Here There and Everywhere

Expat wanderer

The Customer from Hell at Target

Me. Today I was the customer from hell at Target.

I like Target. I like it that you can find just about anything you need there. I usually look for a deal, or a good price on things, but when I just need something, I just go buy it at Target. I also like their ad campaign, it’s a little camp but very colorful and always has cool products featured.

So today I went in for hair color stuff. I found it, but then I also found a display containing packages of two together, and it costs a lot less. It says Buy Two for Less!

Yes! Yes! I am buying two! I always buy at least two so I don’t have to go shopping that often; holdover from my days of buying six months worth when I was living in Kuwait and Qatar. It doesn’t go bad, and you have it when you need it.

None of the cellophaned two-packs have the color I need, so I take the ones I need and the two pack to the cashier, and I explain I want the special “Buy Two and Save” price, and she says “Whoa! That’s beyond me!” and sends me to the customer service counter.

At the customer service counter they explain to me that this is a special deal to encourage customers to buy more than one; they buy two and get a special deal. I agree with them, and isn’t this great, I want to buy two! Well no, they explain, Target pays a different price for the package than for the singles, so they can’t sell the singles two for the same price as the two bundled together.

Wait. These are the exact same product. EXACT. Except that these two wrapped in cellophane are 2 for $11.99, and the two exact same product I want to buy are priced at $7.99 EACH. So I am supposed to pay $5 MORE to buy two single ones? Something is not right with this picture. I ask to see a supervisor.

I am quiet and mannerly. I have a secret weapon – it is called pleasant persistence. They keep explaining to me that I can’t buy what I want at the special price and I just smile at them and politely explain how it doesn’t make sense. They are telling me in their explanations to “PLEASE GO AWAY!” and I am smiling and politely telling them in my own way that I am not going anywhere, and I want my product at the two-for price.

Finally, the supervisor says to sell it to me at the two-for price. As she is ringing it up, the customer service rep says “this happens all the time, not with hair products but with all kinds of products when we have the bundle price and the single price.” I suggest she mentions it to management, and that it costs a lot in time and in customer frustration and customer service frustration, and she says “it wouldn’t help.”

I still like Target. I imagine there are a lot of customers who give up and walk away. Not me. It doesn’t make sense to me to pay $5 more for something that they WANT you to buy two of . . .

June 25, 2012 Posted by | Cultural, Customer Service, Financial Issues, Living Conditions, Marketing, Pensacola, Shopping, Values, Work Related Issues | , | Leave a comment

Customer Service; the Good and the Ugly

We are not rich people. You might look at the places we go and the places we stay and think that we are more comfortable than we are. We learned a secret a long time ago, and that secret is to live UNDER your income. We live under what we can afford, we pay our bills in full, and we pay attention to small leaks that can add up to big financial leakages over time.

First, the ugly. Today I checked my KLM Flying Blue mileage, and they only gave me 25% of the miles I earned flying from Pensacola to Johannesburg and back. That should have been a huge number, but 25% of that number is very very low. I did some exploration on KLM and learned it has to do with a lot of factors, including type of ticket you buy.

To me, that’s just sleazy customer service. A person who buys a ticket should get the full mileage. If you want to give bonuses for higher levels, then do so, but give me the miles I earn, don’t swindle me with a fraction of the miles I flew. It leaves a really bad taste in my mouth. Honestly, I don’t think Delta is all that much better, but I may switch my frequent flyer program to them because now I am flying Delta more often. I had thought because they were all “Sky Team Partners” that the miles were all the same, but I was wrong. And try booking an award ticket on one of the partners – they have wires and mirrors and a series of hoops to jump through, and you get to the end and the answer is not only “No” but then they have the gall to ask “Can I help you with anything else?”

I promise you, I am very polite, but when they ask that, I tell them “You didn’t even help me with what I asked help for!”

Here is the good. I paid as many bills as I could before I left, including some significant travel costs associated with the Grand Canyon / Mesa Verde Trip , but when I got home, I found a letter from the credit card service company, with the check my bank sent, saying that there wasn’t enough account information on the check to credit it. I could see the last five numbers of my account on the check, which I believe many banks are doing to help protect client privacy and exposure to identity theft, so I sent the check back with the account number and today I called and complained, and especially that they had charged me an interest charge, when I had paid the bill in full, they just hadn’t credited it to my account.

They credited the interest charge immediately, no argument. They were pleasant and helpful, and I felt like they were on my side. In a time when banks are not our friends, I had a positive feeling toward our card provider.

I smile when I hear AdventureMan in his office, talking with medical claims people – when we had a recent vaccination, a very expensive one, I was re-imbursed and he was not. He is taking on the bureaucracy, slowly and patiently, to make sure he gets that money back. He is also seeing what can be done about getting re-imbursed for our yellow fever immunizations. It takes a lot of patience and persistence, and it pays off. We laugh that we are becoming those old farts who have enough time to make those phone calls.

Little drops of water . . . and paying attention. Battling bureaucracy, trying to make the most of opportunities . . . that’s how we manage our lush lifestyle.

June 19, 2012 Posted by | Aging, Bureaucracy, Customer Service, ExPat Life, Financial Issues, KLM, Living Conditions, Random Musings, Travel | 2 Comments

Florida Ranks #1 in the Nation for Identity Theft and Fraud; Pensacola #10 Beauty-Obsessed City in US

Just yesterday, I gasped when I learned that Time Magazine ranked Pensacola of all the cities in the USA, #10 in “Obsession with Beauty” as measured by internet access to sites for buying make-up and cosmetics at sites like Sephora and Ulta. New York and Miami didn’t make the list.

Then I understood. We don’t have a Sephora in Pensacola. We don’t have an Ulta. To get specialized make-ups like Urban Decay, you go online, to Sephora. Yep. Guilty. But it must take a lot of Pensacolians buying a lot of make-up online to make us #10 of all the beauty-obsessed cities in the USA.

April 13, 2012 Posted by | Arts & Handicrafts, Beauty, Crime, Financial Issues, Living Conditions, Pensacola, Shopping, Social Issues, Statistics, Values | 4 Comments

“You Brought the Sunshine!”

When I arrived in Seattle, my best friend from University said “You brought the sunshine!”


(This week’s weather in Seattle)

Now, when I fly back to Seattle, it takes a mere half day, not a day and a half. When I leave early enough, I can arrive mid-day, and beat the rush hour traffic. You’d think after driving in Kuwait and Qatar that I would find Seattle traffic tame, but Germany, with it’s wide-laned autobahn, and Pensacola, with it’s laid back version of going-home traffic have spoiled me.

Seattle is beautiful, although my trip is one of those more stressful ones, with things to be done to manage changing circumstances. My Mom may – or may not – have had a stroke. What is verifiable is that she has been very very sick, too sick to live on her own any longer, sick enough to need hospitalization, and professional monitoring from now on. The sisters have handled mountains of work and desperate calls for assistance, and now it is my turn to do what I can.

I stayed in Mom’s condo, but it was a little soulless, all her favorite pieces of furniture moved to her new place, her plants languishing, the stuff and detritus of life waiting to be cleared out.

Thank God for my best friend, and for the sunshine.


The sun just beginning to color the mountains as it rises off in the east.

The sisters had a full day of business, money, finances, and Mom’s recovery plan. We get a little goofy after a while; it’s a family culture. Our way of handling the worst, worst of times is laughter, and there were several times we were almost breathless from laughing. Yeh, I guess some would find it inappropriate, but for us, for our family, I think it is how we survive.

My second day there, we had a joyful family wedding. It was one of the sweetest events I have attended in a long time, and I loved the way the bride and the groom looked at each other, that they enjoyed their own wedding, smiling, laughing, dancing. Their signature was over everything; the colors (Purples!) and the food and the music and the ceremony, it was all perfectly thought through and delightful.


Sun setting in the west over the Olympic mountains

The rest of the trip was just hard work. And now, back in Pensacola, I have flights booked already for my next trip back. All part of life’s circle, I guess.

Through all this, we have met with kind, helpful people, who have made all the sorting out easier. Thanks be to God.

March 28, 2012 Posted by | Aging, Circle of Life and Death, ExPat Life, Family Issues, Financial Issues, Friends & Friendship, Health Issues, Interconnected, Seattle, sunrise series, Sunsets, Values, Weather | 3 Comments

AdventureMan Gets a Great Idea

“Hey! I’ve got a great idea!”

AdventureMan scared the hell out of me; I was coming out of the bathroom, it is the middle of the night, and I intend to go right back to sleep, but what the H___? It’s four in the morning and AM wants to tell me his great idea?

AdventureMan has been sick, really really sick, two antibiotics, a steroid, ear drops, a and a probiotic sick. For a week, mostly he slept and groaned with pain, either it was the worst cold in the world or the flu, coupled with a terrible ear infection. Now that the antibiotics have done their job, the combination of all the meds leaves him wide awake much of the night.

I wake up almost every morning feeling great; I am a morning person. We have a family rule; I don’t discuss any financial matters after nine at night. So while AdventureMan’s mind is racing, and good ideas are tumbling around, it is my down time and I am not prepared to discuss anything. Technically, it is still after nine o’clock. although an argument could be made that it is the next morning . . . but it is too early in the morning, and AdventureMan lets me go back to sleep.

Actually, when I woke up the next morning (and AdventureMan slept another couple hours) and I thought about it, it really was one of those great ideas that sometimes comes out of the blue in the middle of the night.

Now that we are no longer getting the expat exemption on our taxes, we were gritting our teeth about what we might yet owe in taxes, but our brilliant new tax preparer found something we would never have thought of in a million years, and . . . we will get money back. God is good. 🙂 It’s a miracle.

March 6, 2012 Posted by | Aging, Communication, ExPat Life, Family Issues, Financial Issues, Health Issues, Living Conditions, Relationships, Work Related Issues | Leave a comment

Qatar’s Balancing Act (from National Post)

Fascinating article on Qatar – thank you, John Mueller, who sends me these great news articles.

From the National Post

Qatar’s balancing act

Fadi Al-Assaad, Reuters Files
Qatar’s Emir, Sheikh Hamad bin Khalifa Al-Thani, has steadily built a reputation for mediation and seeks to be regarded as an “honest broker” in the Middle East.
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Peter Goodspeed, National Post · Feb. 25, 2012 | Last Updated: Feb. 25, 2012 5:16 AM ET
The tiny country of Qatar used the slogan “Expect the Amazing” when it successfully bid to host soccer’s 2022 World Cup.

It’s a phrase that could summarize the reign of Emir Sheik Hamad bin Khalifa Al-Thani, who in just 17 years has turned a small Arabian peninsula of salt and sand flats, once one of the poorest countries in the Persian Gulf, into the world’s richest country and possibly the Middle East’s most influential state.

A former British protectorate, which was noted for its declining pearl fishery when it became independent in 1971, Qatar was once described by the Lonely Planet Travel Guide as “possibly the most boring place on Earth.”

Now, according to the World Bank, its 250,000 citizens and 1.5 million foreign workers have the highest per capita income in the world (US$84,000, twice that of the United States) and an economy that outstripped China by growing 15.8% last year.

Since 2006, Qatar has been the world’s largest exporter of liquefied natural gas and the kingdom is transforming its new wealth into worldwide influence.

Qatar recently led the Arab League’s expulsion of Syria and, on Friday, called for the creation of an Arab military force to open humanitarian corridors to protect civilians in Syria.

Last month, it allowed Afghanistan’s Taliban to open an office in Doha to facilitate peace talks with the U.S.

And in the spring, it was the first Arab country to recognize the rebel government in Libya.

The emirate sent six Mirage fighters to Crete to help NATO enforce a no fly zone over Libya.

It also supplied rebels with the fuel, weapons, cash and the training they needed to overthrow dictator Muammar Gaddafi. Qatari special forces provided basic infantry training in the Nafusa Mountains, west of Tripoli and some helped lead the final assault on Col. Gaddafi’s compound in the capital.

They were so proud of their achievement, they hung a Qatari flag from the wreckage of his palace.

“The Qataris have really adopted a kind of adventurous foreign policy in the last couple of years and shown a willingness to send special forces to these kind of areas of conflict,” said Andrew McGregor, senior editor of the Global Terrorism Monitor for the Jamestown Foundation.

“They’ve used their considerable wealth to supply arms and whatever else is needed.

“I would be keeping a close eye on what they are doing [in Syria]. They are rapidly emerging as a real power in the Arab League, despite their size. They are very influential and very wealthy, and they have shown a willingness to be engaged.”

The Emir, Sheikh Hamad bin Khalifa Al-Thani, sometimes referred to disparagingly as the “Arab World’s Henry Kissinger,” has steadily built a reputation for mediation and seeks to be regarded as an “honest broker” in the Middle East.

“Since the mid-1990s, Qatar has pursued an activist foreign policy, using its affluence, unthreatening military position and skills as a mediator to interject itself in conflicts around the Middle East and beyond,” said David Roberts, deputy director of the Royal United Services Institute’s Doha Centre.

In recent years, Sheikh Hamad has carefully inserted himself in conflicts in Libya, Lebanon, Gaza and the West Bank, Sudan, Syria, Yemen and Afghanistan.

In 2008, an agreement negotiated in Doha averted another civil war in Lebanon by establishing a power sharing agreement between the country’s different factions. Around the same time, Qatar helped negotiate a short-lived ceasefire in Yemen, mediated a border dispute between Djibouti and Eritrea, and hosted peace talks between Sudan and rebel groups in Darfur.

A regional actor with international reach, Sheikh Hamad has pursued a foreign policy that is ripe with conflicts and contradictions.

Qatar maintains good relations with Iran, while still offering the U.S. its biggest and most important air base in the Middle East at al-Udeid, a few kilometres outside Doha.

Unlike most Arab states, Qatar has generally had good relations with Israel and allowed the Israelis to maintain a commercial office in Doha until the 2009 Gaza invasion.

At the same time, it has warm relations with Israel’s enemies Hamas and Hezbollah, and provides safe haven to hardline Islamists from all over the Arab world.

Leaders of the Muslim Brotherhood in Egypt and Syria fled to Qatar in the 1960s and 1970s, even though the kingdom’s rulers frown on organized political Islam and ban all political parties.

Qatar “has a reputation for ‘omni-balancing’ between seemingly incompatible policies,” said Kristian Coates Ulrichsen, a Gulf expert at the London School of Economics.

“Qatar’s rise, seemingly from nowhere, is rooted in deeper political, economic and security shifts and, in turn, is reconfiguring the balance of regional power.”

Those changes highlight Sheikh Hamad’s own rise to power and his reign in Qatar, where his family has ruled since the 19th century.

Raised by a maternal uncle’s family, after his mother died young, the Emir attended the Royal Military Academy at Sandhurst, west of London, graduating in 1971, the year Qatar won its independence and when its first natural gas field was discovered.

He was made a lieutenant colonel in Qatar’s army and, after his father deposed an uncle to become emir in 1972, he rapidly rose to become commander-in-chief of its armed forces.

As crown prince, Sheikh Hamad was gradually given the power to run the country day-to-day, while his father cultivated a taste for extravagance and spent most of his time on the French Riviera.

Sheikh Hamad oversaw development of Qatar’s oil and gas industry and carefully planned an economy that provides Qataris with free education, health care, housing and utilities – and no taxes.

But when his father returned home briefly in 1995 and arbitrarily demoted another son from his position as prime minister, Crown Prince Sheikh Hamad staged a bloodless coup. He informed his father by telephone while he was holidaying in Switzerland.

The old emir returned to the Gulf the following year, publicly disowning his son and trying to drum up support for a countercoup, but Sheik Hamad snuffed out the plot by freezing billions of dollars in his father’s overseas bank accounts.

Then, just 44 and the youngest ruler in the Gulf, he set about to reform and redefine Qatar.

Surrounding himself with young, Western-educated advisors, he drew up a longterm plan to develop a post-oil knowledge-based economy.

He has allocated 40% of Qatar’s budget between now and 2016 to massive infrastructure projects, including an $11billion international airport, a $5.5-billion deep-water seaport and a $1-billion transport corridor in Doha, as well as $20billion in new roads.

He has also invited foreign universities to establish Middle East campuses in a $100-billion Education City in Doha.

Without an elected parliament to advise him, the Emir has final say in the disposition of the country’s $70-billion to $100-billion sovereign wealth fund, which has made it a financial powerhouse internationally by investing heavily in everything from German carmakers Porsche and Volk-swagen to the Agricultural Bank of China, Harrods department store in London, a Brazilian bank, Chinese oil refineries, a Spanish soccer team and a French fashion house.

The Emir’s most influential investment was his creation of the 24-hour Arab-language Al Jazeera television network in 1996.

Granted a level of editorial independence unheard of in the Arab world, Al Jazeera is encouraged to report freely and aggressively on everything but Qatari politics, and is the most watched TV network in the Middle East.

The broadcaster was widely regarded as one of the driving forces behind the spread of the Arab Spring.

“Qatar hopes to insert itself as the key mediator between the Muslim world and the West,” Mr. Roberts said.

“Qatar sees its role as a highly specialized interlocutor between the two worlds, making – from the West’s point of view – unpalatable but necessary friendships and alliances with anti-Western leaders.”

Sheikh Hamad Bin Jasem Al-Thani, Qatar’s Prime Minister and a distant cousin of the Emir, likes to say his country is small and has to be proactive to protect its interest and avoid being run over by more powerful neighbours.

“Our policy is to be friendly with everybody,” the Emir said recently in a television interview. “We are looking for peace. It doesn’t mean if two parties turn against each other, we have to go to one party. No, we would like to stick with the two parties.”

– Formerly a British protectorate, Qatar has been ruled by the Al-Thani family since the mid-1800s. The current Emir, Hamad bin Khalifa Al-Thani, overthrew his father in a bloodless coup in 1995.

– Oil and natural gas revenues have enabled Qatar to attain the highest per-capita income in the world (US$84,000 according to a report this year by Global Finance).

– Oil output at current levels should last 57 years, according to the CIA World Factbook.

– It has a zero unemployment rate and zero percentage below the poverty line.

– The mostly flat and desert land is 11,586 square kilometres – only slightly larger than Jasper National Park.

– It has a population of 848,016 – similar to the population of Edmonton.

SOURCE: NATIONAL POST NEWS SERVICES

JONATHON RIVAIT / NATIONAL POST

pgoodspeed@nationalpost.com

February 26, 2012 Posted by | Bureaucracy, Character, Community, Financial Issues, Leadership, Political Issues, Qatar | Leave a comment

Australian Woman Scams the Nigerian Scammers

You gotta love this story. I found it on AOL HuffPost; I only wish she had been truly scamming them and not cheating them:

How does it feel when the tables are turned?

The Courier Mail in Australia reports that Sarah Jane Cochrane-Ramsey pleaded guilty last Thursday to one count of aggravated fraud for scamming Nigerian con artists out of $33,000.

Cochrane-Ramsey opened an Australian bank account that the Nigerians could use to funnel payments they got through their “dodgy account on a popular car sales website,” according to the Courier Mail.

The terms of her arrangement with the con artists said that Cochrane-Ramsey was supposed to keep eight percent of all monies sent to the account, with the rest going back to the Nigerians. Instead, she kept the money for herself.

Slate points out that Cochrane-Ramsey denied knowing she was working for fraudsters, thereby “denying herself the defense that she was somehow attempting to give her fellow scammers a taste of their own medicine.”

Nigeria’s The Nation notes that Cochrane-Ramsey is not the first person to con Nigerian scofflaws.

In fact, “This American Life” produced a story in 2008 on a group of people who made a Nigerian scammer travel 1,400 miles in search of a promised cash reward.

Photo by Flickr user B Rosen.

February 24, 2012 Posted by | Africa, Crime, Financial Issues, Scams | Leave a comment

Three Lies About the American Economy

Here is what makes me sad. Even though this information is available to everyone, these three misconceptions will continue to be put forth as “truth.” People believe what they want to believe, and they don’t do the research. I found this on the AOL Daily Finance page.


By Morgan Housel

At a conference in Philadelphia last October, a Wharton professor noted that one of the country’s biggest economic problems is a tsunami of misinformation. You can’t have a rational debate when facts are so easily supplanted by overreaching statements, broad generalizations, and misconceptions. And if you can’t have a rational debate, how does anything important get done? As author William Feather once advised, “Beware of the person who can’t be bothered by details.” There seems to be no shortage of those people lately.

Here are three misconceptions that need to be put to rest.

Misconception No. 1: Most of what Americans spend their money on is made in China.

Fact: Just 2.7% of personal consumption expenditures go to Chinese-made goods and services. 88.5% of U.S. consumer spending is on American-made goods and services.

I used that statistic in a recent article, and the response from readers was overwhelming: Hogwash. People just didn’t believe it.
The figure comes from a Federal Reserve report. You can read it here.

A common rebuttal I got was, “How can it only be 2.7% when almost everything in Walmart (WMT) is made in China?” Because Walmart’s $260 billion in U.S. revenue isn’t exactly reflective of America’s $14.5 trillion economy. Walmart might sell a broad range of knickknacks, many of which are made in China, but the vast majority of what Americans spend their money on is not knickknacks.

The Bureau of Labor Statistics closely tracks how an average American spends their money in an annual report called the Consumer Expenditure Survey. In 2010, the average American spent 34% of their income on housing, 13% on food, 11% on insurance and pensions, 7% on health care, and 2% on education. Those categories alone make up nearly 70% of total spending, and are comprised almost entirely of American-made goods and services (only 7% of food is imported, according to the USDA).

Even when looking at physical goods alone, Chinese imports still account for just a small fraction of U.S. spending. Just 6.4% of nondurable goods — things like food, clothing and toys — purchased in the U.S. are made in China; 76.2% are made in America. For durable goods — things like cars and furniture — 12% are made in China; 66.6% are made in America.

Another way to grasp the value of Chinese-made goods is to look at imports. The U.S. imported $399 billion worth of goods from China last year, which is 2.7% of our $14.5 trillion economy. Is that a lot? Yes. Is it most of what we spend our money on? Not by a long shot.

Part of the misconception is likely driven by the notion that America’s manufacturing base has been in steep decline. The truth, surprising to many, is that real manufacturing output today is near an all-time high. What’s dropped precipitously in recent decades is manufacturing employment. Technology and automation has allowed American manufacturers to build more stuff with far fewer workers than in the past. One good example: In 1950, a U.S. Steel (X) plant in Gary, Ind., produced 6 million tons of steel with 30,000 workers. Today, it produces 7.5 million tons with 5,000 workers. Output has gone up; employment has dropped like a rock.

Misconception No. 2: We owe most of our debt to China.

Fact: China owns 7.6% of U.S. government debt outstanding.

As of November, China owned $1.13 trillion of Treasuries. Government debt stood at $14.9 trillion that month. That’s 7.6%.
Who owns the rest? The largest holder of U.S. debt is the federal government itself. Various government trust funds like the Social Security trust fund own about $4.4 trillion worth of Treasury securities. The Federal Reserve owns another $1.6 trillion.

Both are unique owners: Interest paid on debt held by federal trust funds is used to cover a portion of federal spending, and the vast majority of interest earned by the Federal Reserve is remitted back to the U.S. Treasury.
The rest of our debt is owned by state and local governments ($700 billion), private domestic investors ($3.1 trillion), and other non-Chinese foreign investors ($3.5 trillion).

Does China own a lot of our debt? Yes, but it’s a qualified yes. Of all Treasury debt held by foreigners, China is indeed the largest owner ($1.13 trillion), followed by Japan ($1 trillion) and the U.K. ($429 billion).

Right there, you can see that Japan and the U.K. combined own more U.S. debt than China. Now, how many times have you heard someone say that we borrow an inordinate amount of money from Japan and the U.K.? I never have. But how often do you hear some version of the “China is our banker” line? Too often, I’d say.

Misconception No. 3: We get most of our oil from the Middle East.

Fact: Just 9.8% of oil consumed in the U.S. comes from the Middle East.

According the U.S. Energy Information Administration, the U.S. consumes 19.2 million barrels of petroleum products per day. Of that amount, a net 49% is produced domestically. The rest is imported.

Where is it imported from? Only a small fraction comes from the Middle East, and that fraction has been declining in recent years. Last year, imports from the Persian Gulf region — which includes Bahrain, Iran, Iraq, Kuwait, Qatar, Saudi Arabia, and the United Arab Emirates — made up 9.8% of total petroleum supplied to the U.S. In 2001, that number was 14.1%.

The U.S. imports more than twice as much petroleum from Canada and Mexico than it does from the Middle East. Add in the share produced domestically, and the majority of petroleum consumed in the U.S. comes from North America.

This isn’t to belittle our energy situation. The nation still relies on imports for about half of its oil. That’s bad. But should the Middle East get the attention it does when we talk about oil reliance? In terms of security and geopolitical stability, perhaps. In terms of volume, probably not.
A Roomful of Skeptics

“People will generally accept facts as truth only if the facts agree with what they already believe,” said Andy Rooney. Do these numbers fit with what you already believed? No hard feelings if they don’t. Just let me know why in the comment section below.

Motley Fool contributor Morgan Housel owns shares of Wal-Mart. Follow him on Twitter @TMFHousel. The Motley Fool owns shares of Wal-Mart Stores. Motley Fool newsletter services have recommended buying shares of and creating a diagonal call position in Wal-Mart.

See full article from DailyFinance: http://www.dailyfinance.com/2012/02/13/3-economic-misconceptions-that-need-to-die/?icid=maing-grid7%7Cmain5%7Cdl6%7Csec1_lnk3%26pLid%3D135454&icid=sphere_copyright

February 14, 2012 Posted by | Cultural, Financial Issues, Lies, Living Conditions, Political Issues, Social Issues, Statistics, Work Related Issues | Leave a comment

It’s All ‘Insh’allah’

(Forgive me if I ramble a little bit; New Year’s Eve day is always something of a day of reflection for me. It’s not something I plan, it’s something I just find myself compelled to do; I do it whether I want to or not.)

I joke with my friends that the Lord kept sending me back to the Middle East until I learned that it was less my mission to share, than to learn. Once I shut up and watched and listened, I began learning, and what I learned contradicted many of my ignorant prejudices. In learning about my friends in the countries of the Middle East, I learned a lot about our Christian culture, and about myself.

When Westerners first get to the Middle East, the phrase ‘Insh’allah’ (God willing, or ‘if God wills it’) makes them want to tear their hair out. When your heat breaks down in the midst of a cold winter (and yes, there are very cold patches in many Middle Eastern countries) and the heat people tell you ‘Insh’allah’ they will be there ‘in the afternoon’ but won’t give you an exact time, it makes us want to slam the phone down. When you make plans to meet up with a friend for coffee, set a time, and then she says she will see us ‘insh’allah’, we don’t know whether she is going to show up or not.

It was only after many many years in the Middle East that we relaxed and accepted ‘insh’allah.’ Now, living back in the USA, we laugh, because life here is insh’allah, too, it’s just that people don’t know it. We’ve had several things done with our house, and whether or not the workers show up – it’s all insh’allah. When making plans with our family, a lot depends on when the baby is awake or sleeping, insh’allah. How much money our investments are worth? It’s all insh’allah. The same factor is there, it’s just cultural as to whether you acknowledge it or not.

Today’s New Testament reading from The Lectionary is all about insh’allah:

James 4:13-17, 5:7-11

13 Come now, you who say, ‘Today or tomorrow we will go to such and such a town and spend a year there, doing business and making money.’ 14Yet you do not even know what tomorrow will bring. What is your life? For you are a mist that appears for a little while and then vanishes. 15Instead you ought to say, ‘If the Lord wishes, we will live and do this or that.’ 16As it is, you boast in your arrogance; all such boasting is evil. 17Anyone, then, who knows the right thing to do and fails to do it, commits sin.

7 Be patient, therefore, beloved,* until the coming of the Lord. The farmer waits for the precious crop from the earth, being patient with it until it receives the early and the late rains. 8You also must be patient. Strengthen your hearts, for the coming of the Lord is near.* 9Beloved,* do not grumble against one another, so that you may not be judged. See, the Judge is standing at the doors! 10As an example of suffering and patience, beloved,* take the prophets who spoke in the name of the Lord. 11Indeed we call blessed those who showed endurance. You have heard of the endurance of Job, and you have seen the purpose of the Lord, how the Lord is compassionate and merciful.

And I think my New Year’s resolution is clear: Not to grumble against one another. 🙂

December 31, 2011 Posted by | Cross Cultural, Cultural, Education, ExPat Life, Family Issues, Financial Issues, Interconnected, Middle East, Random Musings, Spiritual | 12 Comments

Qatar: The Richest Fattest Nation on Earth

Thank you, reader John, for passing along this fascinating article from The Atlantic:

Qatar is a tiny country with a big problem.

This Connecticut-sized nation, sticking out like a loose tooth in the Persian Gulf, is one of the most obese nations in the world, with residents fatter, on average, than even those of the United States, which often takes the cake in such competitions.

According to recent studies, roughly half of adults and a third of children in Qatar are obese, and almost 17 percent of the native population suffers from diabetes. By comparison, about a third of Americans are obese, and eight percent are diabetic. Qatar also has very high rates of birth defects and genetic disorders — problems that, along with the prevalence of obesity (PDF) and diabetes, have worsened in recent decades, according to local and international health experts.

So what’s going wrong in little Qatar?

Qatar also has very high rates of birth defects and genetic disorders — problems that have worsened in recent decades.
To misappropriate a well-worn phrase: It’s the economy, stupid. In September, Qatar officially became the richest nation in the world, as measured by per capita gross domestic product. It also recently became the world’s biggest exporter of natural gas, and earned the title of fastest growing economy in the world. By international development standards, all this growth has happened virtually overnight, making Qataris’ lifestyles much more unhealthy, and at the same time leading many to hang on resolutely to what’s left of their fleeting tribal traditions — practices that include inter-marriage between close family members and cousins.

“They’re concentrating the gene pool, and at the same time, they’re facing rapid affluence,” said Sharoud Al-Jundi Matthis, the program manager at the Qatar Diabetes Association, a government funded health center in Doha, the capital. As a result of these factors, Qataris are becoming obese, passing on genetic disorders at an alarming rate, and getting diabetes much more often than others around the world. They’re also getting diabetes a decade younger than the average age of onset, which is pushing up rates of related illnesses and complications, like hypertension, blindness, partial paralysis, heart disease, and loss of productivity. “It’s a very, very serious problem facing the future of Qatar,” Matthis said.

It’s a fascinating read, not too long, little more than double what you have already read. You can read the entire article by clicking HERE: The Atlantic

Thank you, John, for the recomendation.

November 20, 2011 Posted by | Community, ExPat Life, Financial Issues, Health Issues, Living Conditions, Qatar, Social Issues, Statistics, Women's Issues, Work Related Issues | Leave a comment