$5000 From HSBC
As if the poor grammar and spelling weren’t enough to give this scammer away, the line “to reduce the economy meltdown posed on the continent in general” seems overly generous for a bank, especially a bank I don’t have an account with who is willing to give me 5K, LLLOOLLL.
All I have to do is send him my financial particulars – to South Africa? Right? No, no thank you!
HSBC Bank plc.
ATM Card Department
HSBC Tower, 8 Canada Square,
Canary Wharf area of East London UK.
The HSBC Bank with directive from the world bank to release
funds through the ATM VISA CARD to some beneficiaries in
view to reduce the economy meltdown posed on the Continent in
general.
The HSBC Bank London working in relationship with the World
Bank has concluded to issue you a VISA CARD with which you
can access your contract amount 5,000,000.00 USD. This card
center will send you an ATM card which you will use to withdraw
your money in any ATM machine in any part of the world, but the
maximum is FIVE Thousand Five Hundred United States
Dollars($5,500) per day. So if you like to receive your fund in this
way,please let us know by contacting the ATM payment department.
To file for your claim, please contact our ATM Dispatch personnel,
Contact Person: Mr. Dave Walker .
Email: ( hsbcatm_davewalker@yahoo.com.hk )
Tel: +44-703197-9789
and also send the following information as listed below:
1. Full name
2. Phone and fax number
3. Address were you want them to send the ATM card to (p.o box
not acceptable)
4. Age
5. occupation
6. Nationality
7. country of residence
However for the purpose of proper verification of your Identity,
and other relevant information and release of your HSBC Visa ATM
Card to yo.
NOTE: You are not to reply this sender, you are to reply directly to
hsbcatm_davewalker@yahoo.com.hk with all you information for claims.
It is important you contact the office of the Director,
Debit Card Dept for a special payment at the above listed address or
directly reply to this Email.
Sincerely,
PAUL BRIAN THUSTON
MANAGING DIRECTOR
(c) HSBC BANK 2009.
This message and attachments are subject to a disclaimer. Please refer
to http://www.it.up.ac.za/documentation/governance/disclaimer/ for full
details. / Hierdie boodskap en aanhangsels is aan ‘n vrywaringsklousule
onderhewig. Volledige besonderhede is by
http://www.it.up.ac.za/documentation/governance/disclaimer/ beskikbaar.
Princess Ouadraogo Writes To Intlxpatr for Financial Help, Risk Free
For the most part, I have stopped even sharing these, but this one is too funny. My message to those of you who have helpful hearts – any time a person who doesn’t know you, wants to share a fortune with you, and who requests:
“also i will like you to send all your bank informations where the fund will be transfered and your internatinal passport or driving licence and also send your photograph”
DON’T DO IT! IT’S A SCAM!
Hello and Greetings to you…
I am writing this letter in confidence believing that if it is the wish of God for you to help me and my family, God almighty will bless and reward you abundantly and you would never re-great this.
I am a female student from Burkina Faso University Teachings Hospitals (BUTH) Burkina Faso, Ouagadougou. I am 28 yrs old. I’d like any person who can be caring, loving and home oriented. I will love to have a long-term relationship with you and to know more about you.
I would like to build up a solid foundation with you in time coming if you
can be able to help me in this transaction. Well, my father died earlier eight
months ago and left I and my junior brother behind. He was a king, which our
town citizens titled him over sixteen years before his death. I was a princess
to him and I am the only person who can take care of his wealth now because my
junior brother is still young and my mother is not literate enough to know all
my father’s wealth.
He left the sum of $10.000,000.00US dollars. (TEN MILLION ) in a security
company. This money was annually paid into my late fathers account from Gold
Development Company (spdc) and chevron Oil Company operating in our locality
for the compensation of youth and community development in our jurisdiction. I don’t
know how and what I will do to invest this money somewhere in abroad, so that my
father’s kindred will not take over what belongs to my father and our family, which
they were planning to do without my present because I am a female as stated by our
culture in the town.
Now, If you can handle this project sincerely and also willing to assist me
in lifting this fund, kindly reach me immediately. Reasons. Please, note that
this matter is 100% risk free and i hope to commence this transaction as quick
as possible, and also i will like you to send all your bank informations where
the fund will be transfered and your internatinal passport or driving licence
and also send your photograph for me to built more trust on you. As soon i
recieve all these informations together with your photo then i will foward my
photograph and datas informations to you immediately.
yours sincerely,
Yours sincerely,
PRINCESS JANNIFA OUADRAOGO.
Qatteri and Kuwaiti Gazingas
We’ve lived in so many different places and dealt with so many currencies, you’d think we’d be used to it by now, but there is always that confusing time at the beginning, when you are mentally trying to multiply and divide and figure out how much things cost. Generally speaking, we call it the gazinga problem, gazinga being our family generic term for whatever currency we are currently using.
I think the cost of food in Qatar is cheaper, but to figure that out, I have to think what it costs here, translate that from Qatteri riyals to dollars, and then to translate that to Kuwaiti dinars. For example, the Vanilla Caramel coffee stuff I like is 2.250 in Kuwaiti dinars (when I can find it) which is about $8.25, and in Qatar, it is QR 15.50, which is $4.25, a significant difference.
Life in Kuwait became much simpler when my Kuwaiti friend told me “Just think about a Kuwaiti dinar being roughly equivalent to the dollar. Otherwise, you will go crazy.” He was right. When I would go grocery shopping and just think of it in dollars, life became much simpler. Every now and then, when I would multiply by 3.65 to figure out the cost in dollars, I would gasp and put the item back on the shelf. Life is simpler if you just go with it. Mostly, I would look for locally produced vegetables, eggs, etc., and that kept grocery costs down. It’s the imported stuff that gets crazy.
So, irrationally, when I have 500 riyals in my pocket, I feel RICH. I feel secure and protected. (500 riyals {$138} is approximately equivalent to 35KD {$128}). I can’t tell you the number of people who come into town in Qatar and offer to take us to dinner (we’ve learned – we always carry extra cash!) – and then when the bill comes, they are stunned – and embarrassed – that they don’t have enough riyals to cover the bill. It’s not that the places are that expensive – although some of them are – but that it all adds up so quickly, and a couple hundred gazingas may not cover a dinner for four.
In both Kuwait and Qatar, I make it a point to quickly learn where all the cash machines are, the ones for my bank, and the ones that you can use your US credit card in and get cash. You just never know when you are going to find something in a shop that doesn’t take credit cards, or find that you are low on cash and still have a couple stops before you get home. Like knowing where the clean toilets are; it’s a matter of survival. 🙂
In Qatar, 100 Qattari riyals is about $27.50, so when doing rapid calculations, I figure it is around $25, then I add a little.
We are working on getting rid of the pigeons. It took a while – when AdventureMan went to the management and said he wanted the pigeons gone, they didn’t understand him. We say “pijjens” and they say “oh! pij-ee-owns!” The cleaning crew came and cleared out the awful nest yesterday, and only one pigeon came to try to spend the night. I threw pencil erasers at him (I had to gather them all up this morning) and then clanked a big stick. Today I am going to buy a water pistol.
The cleaning crew asked if I wanted to have my windows washed, and oh, yes, I did. It really helps to have lived here before. I know that if you want your windows washed, you can go to the desk, they will schedule it and they charge you around 500 riyals – still a bargain, by stateside standards – about $128 for a two story house with some very hard-to-get-to windows. But if you ask the cleaning crew on the compound, they will come during their time off and charge about half – and all the money goes to the guys who clean the windows. I now have bright, shiny windows – I don’t think they had been washed on the outside since I left over three years ago. Now – they sparkle!
Banks in Kuwait and Qatar are way ahead of banks in the US with their use of technology. When I took money out of our bank account yesterday, AdventureMan called me immediately and asked if I had just taken money out of the account. They had SMS’d him what had been taken out and what was left!
My household goods were delivered two weeks ago today. There are still a few remaining little nests of things that need places, but – not much! We walk around the house with that satisfied feeling of knowing things are in their place, where we can find them insh’allah, when we need them, and there are no more boxes, no more piles – it looks pretty good! Even AdventureMan got his room all in order – Now he walks out of his room and says “Oh! It feels so good to walk in and everything is put away!” and he has a huge grin on his face.
Little Diamond arrives tomorrow night. We can hardly wait. 🙂
The Paper Moon by Andrea Camilleri
Ahhh! Another book about corruption, but this one is no where near so painful for me to read as The Appeal by John Grisham, because this one is set in Sicily, where we expect a certain level of corruption, and Italy, where the whole system operates by rules we can barely begin to comprehend, but it is ITALY, and fascinating, and funny, and another great page turner for these hot hot hot summer days.
Andrea Camilleri has a whole series of books about Inspector Montalbano, which I love almost as I love the Donna Leon series about the Venetian, Guido Brunetti. Brunetti has the edge because he is married and has a family, and it IS Venice – no competition there, Venice will always win, hands down. But Inspector Montalbano’s single status allows for a whole different flavor permeating his investigations, and he, like Guido Brunetti, shares the Italian reverence for really great food.
I didn’t want to fix dinner. I didn’t want to get out of bed. All I wanted to do was to read the whole book, and, when I finished, I wanted another one!
Inspector Montalbano is asked by a woman to find her missing brother, and he finds him almost immediately, dead, under bizarre circumstances. The brother has a very large amount of money unaccounted for, and unaccounted in terms of earnings, as well. He is a pharmaceutical representative, good at what he does – but he still has way too much money, and Inspector Montalbano finds he is rather fond of the prime suspect.
In the meantime, his office has also been tasked to find the reason several high level politicians have suddenly died, purportedly of a variety of causes, but in reality, all have died of drug overdoses. The problem is, that finding the culprit means exposing the reality of high level drug usage, and the inspector realizes the case has been dumped on his office because no one wants to take responsibility for what happens when the culprit is caught. It’s all very Italian, very Sicilian.
Between investigations, Inspector Montalbano eats some amazing meals. 🙂 He takes his glass of wine and walks in the sand out to the sea. We get to know the characters working out of his office better, and to appreciate their quirkiness. This is a great series, a lot of fun. I think I need to go to Sicily for a visit. I definitely need some Italian food and a glass of vino!
Photo courtesy of http://visibleearth.nasa.gov/)
From time to time a word or phrase would appear that required going to the back of the book where the word is not only translated, but the concept explained, something crucial when reading a novel from another culture. In this series, it is particularly valuable, as the background for the crimes and their investigations with political implications, and if you don’t understand the politics, you can miss the point of the novel.
I found this book at Amazon.com. for a mere $10.19 plus shipping.
The Appeal by John Grisham
One of the things I like about John Grisham is that he really likes the underdog. In his books, the person often the least likely to prevail does so, usually because he has a smart attorney, one who is paying attention and taking good care of the client. Warning – this book review contains a spoiler, so don’t go any further if you don’t want to know too much about the plot and resolution.
The Appeal is the exception. No one wins, not even the apparent winner, who sails off in the end with his empty, unsatisfying life. He schemes, he exploits, he lies, he buys elections, and he makes a fortune – and he isn’t satisfied. He is married to a woman who sounds more like a greyhound, all skin and bones and self-absorption.
The subject matter is a case where a chemical company has dumped toxic wastes into the ground in Mississippi, it has penetrated into the groundwater, and polluted the entire water system of a small fictional town. Two lawyers, married to one another, sacrifice everything and face bankruptcy to win a case for their client who has lost both husband and son to cancer caused by the toxic chemicals dumped. They win.
There is an appeal.
What this book is about isn’t just about groundwater contamination, or even about buying elections in Mississippi – it is an indictment of every state that elects judges. The core of the novel is about how big money, big corporations, pick candidates and fund them, legally and illegally, and insure that they win. They pack the courts with judges who are opposed to large settlements.
God bless John Grisham. With all his great legal thrillers, he has made a bundle and can take risks like writing a book like The Appeal, which should be an eye opener, and should be read by every caring citizen.
Judges should not be elected. When the judiciary are elected, they have to think about their next election, with every legal decision. It taints objectivity. It corrupts objectivity. It eliminates objectivity. Without an objective judiciary – why bother? They will always rule on the side whose interests are the most powerful and profitable.
Here are a couple quotes that tell you where the novel is going. My Kuwaiti friends are going to love this – I have taken so many shots at Kuwait corruption – so here it is, my friends, exposure of the institutionalized corruption in my country:
Barry laughed and crossed his legs. “We do campaigns. Have a look.” He picked up a remote and pushed the button, and a large white screen dropped from the ceiling and covered most of the wall, then the entire nation appeared. Most of the states were in green, the rest were in a soft yellow. “Thirty-one states are in the green. The yellow ones have the good sense to appoint their courts. We make our living in the green ones.”
“Judicial elections.”
“Yes. That’s all we do, and we do it very quietly. When our clients need help, we target a supreme court justice who is not particularly friendly, and we take him, or her, out of the picture.”
“Just like that.”
“Just like that.”
“Who are your clients?”
“I can’t give you the names, but they’re all on your side of the street. Big companies in energy, insurance, pharmaceuticals, chemicals, timber, all types of manufacturers, plus doctors, hospitals, nursing homes, banks. We raise tons of money and hire the people on the ground to run aggressive campaigns.”
* * * * * * * *
The Senator did not know who owned the jet, not had he ever met Mr. Trudeau, which in most cultures would seem odd since Rudd had taken so much money from the man. But in Washington, money arrives through a myriad of strange and nebulous conduits. Often those taking it have only a vague idea of where it’s coming from; often they have no clue. In most democracies, the transference of so much cash would be considered outright corruption, but in Washington the corruption has been legalized. Senator Rudd didn’t know and didn’t care that he was owned by other people. He had over $11 million in the bank, money he could eventually keep if not forced to waste it on some frivolous campaign. In return for such an investment, Rudd had a perfect voting record on all matters dealing with pharmaceuticals, chemicals, oil, energy, insurance, banks and on and on.
I like almost every book I read by John Grisham. He is a man with a conscience, and he is trying to raise our awareness of corruptive factors before our system goes entirely under. I couldn’t put this book down, and I can hardly wait to read the next one.
Selling My Car
I have a darling little car, I bought it in Doha six years ago. Aye, there’s the rub. While the company agreed to ship the car for us, Qatar won’t accept a car older than 5 years old. My sweet car has less than 40K km on it, has been lovingly maintained, and I totally love it – I was outraged at Qatar. But being outraged at a bureaucracy is a loser’s game, it isn’t going to change, the rules aren’t going to be excepted for me. So I had to sell the car.
I looked up the blue book price, and I knew my car was better than that, but these are hard times for selling a used car. I just put it out word-of-mouth, and within a week, I had my buyer.
She came. She sat in the car. She said “I will take it.”
I said “but you haven’t even driven it!”
She said “I can look at you, and look at this car, and I know it is a good car.”
We talked about a price. We agreed to a price a little higher than the blue book price, a little lower than I wanted. We were both happy.
She paid me in cash.
When we went to transfer title – this is Kuwait – the administrative section was closed! It wasn’t supposed to be closed! The area was full of Kuwaitis, Jordanians, people like us, wanting to transfer title. Fortunately, the woman knew another administration place nearby, so we went there, and after the normal finagling, the title transferred and all was completed.
We really wanted this woman to have the car. It has so many good years left on it, and this is a good woman.
AdventureMan laughs at how quietly all the decisions were made, all the negotiations done. The day after we sold the car, we got an SMS from the buyer saying how happy she was, and asking God to bless us richly. We feel already blessed, having sold the car to a fine woman.
The Richest Man in Town
This is from AOL’s WalletPop, their how to manage money series.
As I read through this very American tale of building wealth, I wonder . . . how does this apply cross-culturally? Do you think the richest men in the Gulf follow these guidelines? The richest in the EU? The richest Asians? Indians?
Review: The Richest Man In Town by W. Randall Jones
Tom Barlow
May 20th 2009 at 7:30PM
Filed under: Wealth
Some people dream of getting rich. Instead of dreaming, W. Randall Jones, author of The Richest Man In Town, set out to talk to the richest person in each of the 100 U.S. towns he visited for his study to see what commonalities he could find. From these interviews he found 12 attributes that ran rich within these mostly self-made magnates. Apparently, while God could get by with 10 commandments, the rich need a dozen; thus the subtitle, The Twelve Commandments of Wealth.
Let’s get those 12 on the table first (I paraphrase)-
Don’t seek money for money’s sake
Find your perfect niche
Be your own boss
Get addicted to ambition
Be early
Execute or get executed
Fail so you can succeed
Location doesn’t matter
Don’t compromise your morals
Embrace selling
Learn from the best and the worst
Never retire
I have the last one nailed.
Book after book about wealth and entrepenuership seem to boil down to these same points, usually derived from the same inductive reasoning that seems to underlie this book; watch what rich people do, then figure out the principles behind their success. What is missing, imho is the study of failed businesspeople. I often wonder if, for every multimillionaire that followed these commandments, there might not be a hundred who followed them yet failed. Everyone talks to the winners, but until you study the losers, it’s hard to know which commandments are the important ones.
Although the “secrets of the millionaires” genre is well mined, Jones does a particularly deft job of weaving the stories of a hundred people within the commandments structure. His many years of experience as a writer and founder of Wealth magazine are evident in the book’s engaging storytelling and brisk pacing. Many writers of similar books have taken the easier person-by-person approach,
which gives the reader more of the personality of the people interviewed but obscures the insights that the readers seek. Kudos to Jones for taking the hard road.
He also manages to land some very colorful subjects to interview, such as Hartley Peavey of Meridian, Miss. who told him “I believe that life is a test to see how much BS you can take.” Ron Rice of Daytona Beach was fired from six teaching jobs in eight years. Phil Ruffin of Wichita wants his tombstone to read, “This is his last real estate deal.”
For readers who are curious about how the richest man (Jones is apologetic about the use of the word man, but sadly, the richest person in most towns is one) in town came by his fortune, this book may well be best in class. And these commandments leave you free to covet all you want.
Investment in Africa
This was in the morning’s e-mail. Unlike the e-mails I post inviting me to get lots and lots of free money, this one seems to have some interesting information. Here is one excerpt from their opening page, The Conversation Behind Closed Doors:
To make itself more attractive for US investment, Africa should:
Invest in education , health and infrastructure
Ensure the rule of law and a business-friendly climate for all investing companies
Show it is serious about attracting foreign investment
Market itself as aggressively as other regions of the world
Demonstrate opportunity cost of not investing
I would have to say there is nothing I disagree with there. I have not explored the whole site, but it looks legitimate, and interesting, if you, like me, are interested in Africa, and future solutions.
Hi
I’m reaching out to you because I thought you and the readers of here there and Everywhere would be fascinated by what my firm has recently uncovered about the attitudes toward corporate investment in Africa among leading U.S. corporations — according to senior officers of 30 American Fortune 100 corporations we interviewed. Why has Africa not attracted more interest from the U.S. business community? We have collected all of the answers and case studies into a news release introducing a study that launched yesterday commissioned by the US Chamber of Commerce:
http://www.usafricainvestment.com
We’re very excited about the revelations in this paper and would love it if you could let your readers know about what we’ve uncovered through a post or a tweet. If you are able to post please let me know so that I can share it with the team. If you have any questions or would like to speak to the partners who wrote this paper, let me know and I will set it up.
Thank you so much,
Fabiane
—
Fabiane Dal-Ri
fabiane@usafricainvestment.com
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