Re: Need Personal Loans so I can Collect Online Donations

On Tue, Nov 08, 2005, Shlomi Fish wrote about "Re: [hackers-il] Need Personal 
Loans so I can Collect Online Donations":
> > > 1. An international credit card.
> > > 2. An account in a U.S. bank.
> >
> > I assume you need just one of these, not both? If you need just one, it's
> > good you chose to try option #1 - you can forget about option #2.
> >
> 
> I don't know - it's possible I need both. As for #2, I can get an account 
> there, either from an online filling of the details or from an American bank 
> that my Israeli bank has contacts with.

Don't be too optimistic. Getting a US bank account is not as simple as you
might believe, if you're do not have an American social security number.
You'll see what I mean when you try to do it. In short, don't even try, you
will fail.

> > before coming to us with such an 
> > unbelievable request? Here are other options I can think of:
> >
> 
> Why is it unbelievable?

Because you're asking people to loan you 15,000 shekels. This is what loan-
sharks do, not ordinary people on a mailing list...

Are you aware that if you loan 15,000 shekels with 10% yearly interest (this
is about what you can expect to get from a bank - friendly loan sharks will
ask for twice), the interest is 1,500 shekels a year, or 125 shekels a month?
Are you sure you're going to make more than 125 shekels a month, just to
return the interest on the loan?

> 
> > 1. Try other banks or other credit card companies. Often, they will agree
> >    to give you good terms (and a credit card), even if you're broke, if
> >    someone else vouches for you. For young people, this is typically your
> >    parents. Have you considered opening an account at the branch your
> >    parents have an account, or at one they are known?
> 
> I want the FIBI bank, because they have good support for Mozilla, and are 
> also 
> well-aware of standards.

This is bullshit (sorry). Instead of trying another bank (Leumi and Poalim
both have adaquate support for Mozilla - and, have you heard of an... ATM?
or PHONE CALL?), you're asking for... people to give you 15,000 shekels?
This makes absolutely no sense. It's like running in the street looking for
a cow, instead of opening the refrigerator to see if there's any milk there.

Like I said, if you go to a bank branch that knows you or your family, and
your parents even agree to vouch for you, you should have no trouble getting
an international credit card. You can even ask for an international credit
card for a limited time (say, 3 months) - banks find it easier to agree to
doing this. I got one when I was 19 for a trip abroad, and I don't remember
any particular hassles (and I didn't have 15,000 shekels in my account).

> I could try to get my father to use his credit card. However, last time he 
> had 
> some resistance to give PayPal his credit card number out of fear they'll 
> abuse it.

Then try to convince him otherwise. It will be far easier than trying to
convince strangers to give you thousands of shekels!
(of course, if someone already loaned you the money, then I'm wrong. But
my guess is that nobody gave you one red cent, and I'm trying to help you
find better options).

-- 
Nadav Har'El                        |      Tuesday, Nov 8 2005, 6 Heshvan 5766
nyh-TS7m/3hpY0sOpacJJkBjfT4kX+cae0hd@xxxxxxxxxxxxxxxx             
|-----------------------------------------
Phone +972-523-790466, ICQ 13349191 |Life is what happens to you while you're
http://nadav.harel.org.il           |busy making other plans. - John Lennon


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