14 Please don't address specific queries directly to individual moderators or other contributors
Moderators and contributors give of their time freely and voluntarily so, in general, please post queries for general attention/discussion on the basis that somebody will respond rather than addressing them specifically to individual moderators or other contributors, particularly those who earn a living dispensing financial/tax advice on a professional basis. In any case, addressing specific queries to individual contributors rather than to the wider community in general may have the effect of limiting the number of useful responses that you receive rather than expediting things.