I know too many people bogged down in debt that are drowning in the compound interest that they owe!

You are preempting my next post!! :D

but for some silly reason it is the thumbnail images and formatting/marking that gives me the most headaches.

Are you using peakd?
Easiest way is to set up templates in the snippets section. I use this for pieces of the formatting code, as well as for different signatures etc. You can even create a whole template in there. There are also different inbuilt functions in the editor.

> this is a quote

this is a quote

That is very easy to do without a template.

But, this is a good list of basics too :)

Also, just think how cool is it that you can play a monetized game like Splinterlands, and then earn more in a community talking about the game you paly :)