Re: Need Personal Loans so I can Collect Online Donations

On Tuesday 08 November 2005 14:48, Nadav Har'El wrote:
> 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.
>

Aviram Jenik was able to do it, and he doesn't have an American social 
security number:

http://linmagazine.co.il/node/view/6987

My parents had American bank accounts when they stayed in the U.S. and they 
aren't American citizens.

So what makes you think I "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?

By interest, I mean that I will return some more of the money, not more of it 
as time goes by. And I asked from some loans from a friends, so I can get 
ahead. 

>
> > > 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?), 

It's the Internet age. I live, eat and breathe the Internet.

> 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 see. I'll see what my options are.

>
> > 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!

BTW, I didn't ask that someone necessarily give me the entire sum. You may 
also give me part of it.

> (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).

Regards,

        Shlomi Fish

---------------------------------------------------------------------
Shlomi Fish      shlomif-ik1l9ssToec+JF/nGntIXQ@xxxxxxxxxxxxxxxx
Homepage:        http://www.shlomifish.org/

95% of the programmers consider 95% of the code they did not write, in the
bottom 5%.


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