Don't let them get your gander. You might be reading too much in to what they say and taking it as a personal attack. After all, sometimes you sound like a salesman for Charles Schwab so they might be just messing with you but, I am sure they pretty much mean it all in fun.
Thanks, I could care less if people go with CS or Fidelity or stay with the way they now do things, all I am trying to do is help people to save some money so they can enjoy their life in the Philippines with few extra dollars a month more. I have nothing to do with CS and I believe Art may have started this topic, either way, people should weigh their options, I told one friend to open a Fidelity or CS account before his trip to Cebu in March, he did and it was lucky he did since the local banks would not open an account for him and he needed one so he could buy a condo, I was finally able to get him and account with a smaller bank but that was almost at the end of his trip, so had he not had the Fidelity ATM card, then he would have had to borrow from me and he did not wish to do that, even when I had offered, so having the Fidelity ATM card worked out great for him.