That's why I gave you my opinion of the basic formula to start with. You don't need to read all of that to get started and of course there is more info out there to be had. But it's worth it to read it all eventually and take notes or whatever you have to do so that you have info on the options that are available to you. It is never a good idea to go by one or two guys interpretation of stuff, including mine. Any "hard facts" would be strictly general and would by no means be applicable equally to everyone. If we had a 'just the facts' thing like you said we would spend as much time undoing the generalizations of it as we would answering questions about it. It is also just not that complicated. In other words, although some of the articles are very specific there is no need to be very scientific and precise about it. Just start with a general formula and adjust according to how it affects you. If you have specific questions about what to do along the way just post up. Really any of the things posted in there would be great to start with.

Anything proporting to be the 'facts' is usually just the 'opinions'.

You just have to be willing to do the work and experiment, etc. There really are no shortcuts.

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If you act sanctimonious I will just list out your logical fallacies until you get pissed off and spew blasphemous remarks.