When you talk about the experience that means you have a lot of failures in yiur life rom them you have learned a lot of things and you can tell the new commers what to do and what will take them to their disaster. This is good to learn from one's failures in order to be successful in life.
I think the forum is really cool because it has a lot of features like positive negative evaluation in addition to member ranking but I am hopeful to add several languages to the forum which will make it perfect. Thanks for the question
Кредиты можно брать для бизнеса.
Кредиты нельзя брать для казино.
Если трейдинг - для вас игра в угадай курс, то не берите.
Если для вас это бизнес и работа приносящая стабильный доход, то используйте кредитные.