doesn't exactly jive with someone who prefaces what they say with "I'm going to say this in the nicest way possible."
"doesn't help either"
Feel free to have a vendetta if you want and downvote my comments if you feel appropriate based on what you personally feel is condescending. I've already made my money (the old fashioned way by the way) and don't really desire to have to sugar coat my reactions based upon my years of experience.
Saying "I'm going to say this in the nicest way possible." creates a negative implication in regards to the poster. Thus you are not putting it in the nicest way possible.
It's like "No offence intended", if you say that, it means what you are about to say is offensive.
"I'm going to say this in the nicest way possible: you're an idiot." Disclaimers only disqualify specific interpretations as judged by the speaker, they don't define the terms of the receiver.
Your incredibly condescending tone doesn't help either. You could have just said the 3rd paragraph and your response would have been just as useful.