One of our posting guidelines is that posters refrain from comments about each other in any way other than flattering.
Occasionally we encounter threads that evolve into the issue of how people in the financial services industry earn their living (fees or commissions). At that point some posters jump to conclusions about unethical conduct, conflicts of interest and other kinds of anti-consumer behavior.
The truth is that all commercial endeavors in all industries seek to earn a profit and that there are ethical and knowledgeable people in each camp (fees and commissions.) It's also true that for the most part there is not enough information disclosed in these short conversations to make an informed judgment about fellow posters.
Accordingly, posters who insist on denigrating someone's character or implying that they should be run out of town simply because of the way they earn a living should not expect to see their posts here.
IT CONTINUES TO BE PERFECTLY ACCEPTABLE to analyze/criticize someone's suggestions, strategies and products. And it is certainly Ok to hammer away at the importance of expenses. But the focus should be on ideas - not on other posters and whether or not that poster is a good person and helpful to consumers.
--------- As usual, please do not respond to this post. Those who wish to comment on newsgroup policy should read the weekly post, "Posting to misc.invest.financial-plan".
-HW "Skip" Weldon Columbia, SC