They are offering information (supposedly to enable a foreigner to set up a US bank account) that is out of date, worthless and not as described. This guy, calling himself Eric Znoj and his business H.I.R. Investments, answered my email to confirm that his information was accurate and up to date. When I got it, it was only about an E*trade Complete Investment Account. Information about this account is freely available on the Net, and E*trade had already told me that only US residents have been permitted to open the US Complete Investment... read full review »