H.S.B.C. How Stupid Bankers can Be (Part 2)

So my saga with HSBC Malta continues, I saw I could apply online for a loan I didn’t really need one but was interested if as a foreigner I would get one. My meeting today went as follows.

H Good morning Mr Chalkley…how old are you? me 68. H Oh you don’t look your age. me Thank you that’s the nicest thing anyone has said to me all week. H,Now I will go through the details….. Now I will go and check but you should know we don’t usually give loans to people over 65..

The nice lady returns, H. sorry but unless you can give us the equivalent amount as security we can’t do the loan. ME…To put it simply I’m not surprised HSBC Malta is a mess, they have always been the worst country to deal with and the most uncooperative, I’m tempted to apply again but that would just be mischievous

DEATH AND TAXES

In a favourite movie of mine Meet Joe Black, Brad Pit as death said “there are two things that are guaranteed in life Death and Taxes”.

So is the IRS more concerned with death or taxes?

I have been in a constant battle with the IRS since January 2019 the IRS is impossible to deal with, they ignore communications and instead continue to issue meaningless false notices, here’s the whole skinny: –

Until January this year I paid no tax on my small pension from the TRS (Teachers Retirement System). I pay my taxes in Malta and under the double taxation treaty this has always been the case. However, for the first time they suddenly started deducting tax at 30%, now this may not be a whole lot of money as far as most people are concerned but to me was a big slice of my US pension. Fortunately, most of my pensions come from the UK and they remain untaxed as they should be.

IRS Commissioner Charles Rettig recently said it was cheaper and easier for them to audit the poor as auditing the rich cost more in money and expertise, he asked the US government to give them more money to commence audits for the rich but for some reason the government don’t want to do that. Conflict of interest maybe? The whole scam of tax and the cost of recovering it could be settled easily with a more transparent and fair way of taxing people. Tax on what we consume, VAT, Power, etc. What is the point of trying to find hidden money, its like searching for a needle in a haystack?

Death and Taxes indeed, well my problems will not be the death of me, in fact perhaps I should send a copy of this deliberately short post to Charles Rettig (long words seem to be difficult for him.

Becoming A Buddha

When I started this blog, it evolved around The Buddha, but how many people understand Buddhism so maybe I should add my thoughts. Firstly, Buddhism is not a religion The Buddha sought the middle path and when he found it he shared it with others to save us having to go through the long journey he went through to find his enlightenment. He never expected to be worshipped as a god, he didn’t even preach that there is a god so why do we seek these spiritual experiences? There is something inherent in us that tells us there is more to life than just what we are today. Reincarnation, when we die, we don’t simply disappear whatever happens our atoms our being is reabsorbed back into the universe, I happen to believe in reincarnation but that’s for each of us to decide for ourselves.

So what about The Buddha? He was born a prince (Siddhārtha) his father wanted to protect him from the outside world and built a palace were his every need was catered for. One day Siddhārtha went outside and saw old people, illness, death etc. for the first time (can you imagine the impact that would have on you). Buddhism was founded and he is believed to have lived and taught mostly in the north-eastern part of ancient India sometime between the 6th and 4th centuries BCE.

Gautama taught a Middle Way between sensual indulgence and the severe asceticism found in the Sramana movement common in his region. He later taught throughout other regions of eastern India such as Magadha and Kosala.

Gautama is the primary figure in Buddhism. He is believed by Buddhists to be an enlightened teacher who attained full Buddhahood and shared his insights to help sentient beings end rebirth and suffering. Accounts of his life, discourses and monastic rules are believed by Buddhists to have been summarised after his death and memorized by his followers. Various collections of teachings attributed to him were passed down by oral tradition and first committed to writing about 400 years later.

So Buddhism has been around a long time, longer than Christianity, Islam and many other so called religions. We should be encouraged to know that there is this middle path, a life to enjoy, its our duty to enjoy this life and so long as we do no harm to others then anything goes. Forget the teachings we’ve been indoctrinated with throughout our lives Peace and Love will prevail. Namaste.

RISKY BUSINESS

4-30 am may does not seem to be the best time for writing a post but for some reason that happens a lot with me. Yesterday I got into something of a financial crunch and had to ask my sisters to bail me out. I don’t mind saying my eldest sister (the matriarch of the family) gave me a right hard time, I deserved it I’d taken a financial risk in my recent home move, but it paid off.

Now that produced the dream I’ve just woken up from, the many time I took risks in business and pulled off some major coups. This dream was about Frank Dee Corporation now (IF its still around) Gateway, they were then based in Hull and as a seasoned salesman I popped in by chance to their head office and asked why they weren’t stocking our household products. Frank Dee himself said that actually they thought the same thing and agreed to place a range in each of their hundreds of stores.

When I returned to my H/O my boss Barry (BMW) was amazed at this coup and wanted to come with me to the next appointment from here the dream progressed to the high I’d get from getting the big million pound order something I’ve done a few time in my life.

The fact is sometimes we have to take chances (and risk it on one turn of pitch-and-toss-R.K) sitting safely on the side-lines gets us nowhere.

Nordstrom’s

In between moving house I found myself with a little time and as I’m also in the process of another case decided to put my thoughts down. I expect the truth and in the USA as many places justice is not only blind but dumb. I took Nordstrom to the feds and they agreed to represent me, however through some manipulation behind the scenes I was left to fight the case myself while they hired one of the biggest firm of attorneys in Texas Strasbourg. Kim Young their lead attorney was/is an attractive blond woman and in my usual unconventional way I communicated outside of court and as they say come into my parlour said the spider to the fly, I the fly went into the web, and what a web it was. My case was fought on discrimination sex,age etc. They were and are wholly wrong in what they did and had commited what was a serious breach of the law. Their chairman Eric Nordstrom could well have found himself in prison, maybe thats why on the day of the hearing they flew staff in from all over the US, I stood alone’.

Now I’m a big boy and am happy to fight the bigger boy’s but I have to admit to being a bit naive in my quest for justice. The little people don’t count to the big boy’s but social media is levelling the field. this is just one of the notes I found from the time and was really the final straw that affected 2 young kids …

1st  occasion little girl 3-4 left at door Mother walked away to her car, the little girl was crying, I followed the mother and waved to her telling her to come back she reversed the car and told her daughter to come to the car across the busy lot which she did under my observation.

2nd occasion a young boy 8-9 was left in foyer to the store, I saw him and asked if he was OK he was sitting on the floor in the corner with a black eye and clearly distressed, I said come inside the store he said he couldn’t he’d been told to stay there. 15 minutes later still there, customers also concerned. I called Loss Prevention for a lady to come. She came and sat with the boy still no mother. I explained to shoe dept. manager our responsibilities he said he didn’t know what to do. I explained the DFPS regulations still no response. I clocked off and said I would do it as an individual then. Then LP lady calmed boy down then the mother turned up apparently 45 minutes later and LP let them go, she said she was concerned about the child and said there was clearly something wrong. I have experience of child abuse having worked with many at-risk kids.

I will continue this post in part 2 but for now enough is enough, and I have hundreds of documents to post involving communications from Nordstom’s directors. Namaste the truth is out there.