Debit Card fees coming? Will change behavior?

Debit card fees might change behavior

Excerpt:

Chase, for example, is testing a $3 monthly fee for debit cards on new accounts in northern Wisconsin. In Atlanta, it's testing a $15 monthly fee on basic checking accounts.

Among the AP-GfK poll respondents who say they would leave their debit cards in their wallets in the face of such fees, more say they'd pay with cash, 53 percent, or check, 42 percent, rather than another form of plastic.

"Cash or checks -- they're not very expensive," said Aaron Alto, a 44-year-old resident of Grand Rapids, Minn. Alto says he'd be annoyed enough to look for an alternative to his debit card if the fees approached $10.

Debit card fees would cause 22 percent to switch to credit cards, and 12 percent say they would switch to a prepaid spending card.

Comment: Not a fan of the Debit card (except for use at an ATM)

Icahn bids on Clorox

Icahn Makes $10.2 Billion Clorox Bid to Flush Out Suitors

Excerpt:

Billionaire investor Carl Icahn offered to buy Clorox Co. (CLX), the maker of the namesake bleach, for about $10.2 billion in a move designed to flush out other potential bidders.

Icahn, the company’s largest investor with a 9.4 percent stake, offered to pay $76.50 a share, a 12 percent premium to yesterday’s closing price in New York, according to a filing released today. Including debt, the transaction values Clorox at about $12.6 billion, Icahn said in the filing.

Icahn also urged the Oakland, California-based company to seek offers from other bidders, that could generate savings from a merger. In a letter sent yesterday to Clorox Chief Executive Officer Donald Knauss, the investor said he’s confident that there would be “numerous superior bids” for the company. Possible “strategic buyers” include Procter and Gamble Co., Unilever and Colgate-Palmolive Co., according to the letter.

Comment: A stock in my portfolio. Clorox was at one time owned by P & G: "In 1957, Clorox was bought by Procter & Gamble, a purchase that was challenged by the Federal Trade Commission, which feared it would stifle competition in the household products market. The FTC won, and in 1969, Clorox again was made independent."

"they are the system. If it's broken, they're broken, and if they're broken, who needs them? "

This Is No Time for Games - Ronald Reagan wouldn't be playing 'Targeted Catastrophe.'

Excerpt:

Looked at one way, it shouldn't be hard. Both parties in Washington have every reason to want to prove they possess the baseline political competence to meet the government's central and pending crisis, which is the spending crisis. Both parties should be eager to reach a debt ceiling agreement, if only to prove the system isn't broken. Because really, they are the system. If it's broken, they're broken, and if they're broken, who needs them?

So you'd think the hangman's noose would have concentrated their minds. Instead, of course, it's a battle. As this is written, the president seems to have the edge. But if he wins—whatever winning looks like—he'll likely pay a price for his political victory. He usually does. He won on health care, which ruined his first two years in office and sharply accelerated the decline in his popularity.

Comment: Image Shadow of hangman's noose displaying against brick exterior of Konigstor Tower.

Apparently Nancy hasn't read Job recently!

Pelosi: Obama Has More Patience Than Biblical Job

Excerpt:

“I want to commend the president – I have never seen – Job is no place compared to this president in terms of patience,” said Pelosi at a press briefing on Thursday. “He [Job] doesn’t even begin because this president has demonstrated a level of patience, not only during the meetings but as respect, respectful of the suggestions that are made by all parties at the meeting, in his preparation for the meeting, and his coming back to address concerns that are expressed by others.”

Comment: We (wifie and me) literally just finished Job in our through the Bible reading schedule

A Phishing example

Comments: In my GMail spam inbox. I carefully downloaded the attachment and viewed it in an HTML editor. Above images can be enlarged (click on). Note how official the second and third images look. This Phish "hook" is with Submit button (I put a red box around it). The fourth image is the actual code for that button.

The data collecting URL is:

zipprieidiiimoisprrnnmmnrkisiiaowiisrmrnmnrmnirnmn.zuprionaskoliliasnoxikcmrnmn.ru

Note the .ru ... that would a Russian domain suffix

Obama's snowjob (lie!) about his mother

Book Challenges Obama on Mother’s Deathbed Fight

Excerpt:

During his presidential campaign and subsequent battle over a health care law, Mr. Obama quieted crowds with the story of his mother’s fight with her insurer over whether her cancer was a pre-existing condition that disqualified her from coverage.

In offering the story as an argument for ending pre-existing condition exclusions by health insurers, the president left the clear impression that his mother’s fight was over health benefits for medical expenses.

But in “A Singular Woman: The Untold Story of Barack Obama’s Mother,” author Janny Scott quotes from correspondence from the president’s mother to assert that the 1995 dispute concerned a Cigna disability insurance policy and that her actual health insurer had apparently reimbursed most of her medical expenses without argument.

Ms. Scott took a leave from her job as a reporter for The New York Times to write the book and has not returned to the staff.

On Wednesday, in response to repeated requests for comment that The Times first made in mid-June, shortly after the book’s release, a White House spokesman chose not to dispute either Ms. Scott’s account ...

Comment: Obama's Mother was covered by health insurance!

Budget Blamefest and Presidental Snow Jobs

Budget Shell Games Are Contrary to Law

Excerpt:

By April 1, according to the Budget Act, the House and the Senate must either adopt the president's budget or put forward an alternative. They cannot just hide in the weeds. The House and Senate reports must detail any differences from the president's budget and explain the "economic assumptions" underlying them. By April 15, Congress must adopt a concurrent resolution embodying a congressional budget. Appropriations bills must stay within this budget or be subject to a point of order.

The House of Representatives complied with the law, passing a budget that would reduce spending by an estimated $5.8 trillion over 10 years (according to the CBO). The Senate has not passed a budget. In fact, the Senate has not passed a budget since 2009.

This defiance of the Budget Act is responsible for the current blamefest in Washington. The law was intended to bring transparency and timeliness to debates over taxing and spending. All proposals are public, and all are scored by the CBO according to the same metric. This makes it difficult for politicians to shift blame. This year, without a genuine presidential budget, or any Senate budget, the negotiations are shrouded in fog. The president may tell press conferences that he proposed $3 trillion in spending reductions, but there is no way to know what that means without a budget.

Comment: Another good read: Welcome to Jimmy Carter’s 2nd term

Excerpt:

It has taken three decades, but Americans are finally living through Jimmy Carter’s second term.

Now we’ve got Jimmy Jr. barking at us from the White House about eating our peas and ripping off our Band-Aid. He might not even let us have our Social Security checks.

These are just the latest in a long line of nagging lectures. Already, we have been taught how we should sneeze into the crook of our arm. We need to drive less. And we need to caulk up those drafty houses of ours.

What ever happened to the soaring rhetoric and big bold ideas President Obama promised us in that historic election of his?

Is this what he meant by a new kind of politics? If so, no thanks. Oh, and it is not new. Jimmy already dragged us through all this once and we just barely survived it.

One of the most unpleasant things about Mr. Carter was the condescending disdain he could barely disguise for struggling Americans and their irritating malaise.

Increasingly, Jimmy Jr. is having difficulty concealing that very same disdain for us as the political winds around him turn hostile and all of his bright ideas lie fallow as nothing more than socialist hocus-pocus.

But even Mr. Carter never laid bare so baldly and plainly as Mr. Obama did earlier this week his deep-seated contempt for this whole annoying process we call “democracy.”

The problem with reaching a deal to raise the debt ceiling, he explained in a long sermon, is that there is this huge wave of Republicans who won control of the House in the last election by promising not to raise any more taxes and to cut the absurd overspending that has driven this town for decades.

He bemoaned - in public - that these Republicans are more concerned about the “next election” rather than doing “what’s right for the country.” In other words, he is saying the honorable thing would be for these Republicans to ignore the expressed wishes of voters, break their campaign promises and raise taxes. Wow.

As if the whole problem of Washington spending us into oblivion is the fault of stingy taxpayers and stupid voters. And what we really need is Jimmy Jr., who knows what is best for us despite what we may think.

Behind the "Diageo" name

Diageo Shifts Its Focus in Acquisitions to Fast-Growing Markets

Excerpt:

Diageo was created in 1997 through the merger of Guinness and Grand Metropolitan, though many of its brands, including Johnnie Walker, are more than 100 years old. Diageo, a combination of the Latin word for day and the Greek word for world, went on to sell food businesses it inherited from Grand Metropolitan, like Burger King, to focus on spirits and beer.

Comment: Stock

Zestimate: (GIGO) Garbage in .... Garbage out

Zillow ‘Zestimate’ Shifts, Prompting Howls

Excerpt:

Bill Garber, a spokesman for the Appraisal Institute, the main trade group for U.S. property appraisers, said that Zestimates, like most automated valuation models, or AVMs, are not used by appraisers as a benchmark because they are based on public information and information from local multiple-listing services that is often inaccurate.

“Zestimates are a form of AVM … AVMs have limitations, the biggest being the lack of inspection and oversight of any improvements. Complex markets render them nearly useless. They’re basically an aggregation of public records data, and public records are riddled with errors,” Mr. Garber wrote in an email. “Some AVMs are now intermixing MLS information, which is also filled with incorrect information. Garbage in, garbage out.”

Comment: Still interesting. My take is that the Hennepin County home value (on the tax bill) is pretty accurate.

Pasta strainer: Headgear for followers of the Flying Spaghetti Monster

Austrian driver's religious headgear strains credulity

Excerpt:

Niko Alm first applied for the licence three years ago after reading that headgear was allowed in official pictures only for confessional reasons.

Mr Alm said the sieve was a requirement of his religion, pastafarianism.

The Austrian authorities required him to obtain a doctor's certificate that he was "psychologically fit" to drive.

The idea came into Mr Alm's noodle three years ago as a way of making a serious, if ironic, point.

A self-confessed atheist, Mr Alm says he belongs to the Church of the Flying Spaghetti Monster, a light-hearted faith whose members call themselves pastafarians.

Comment: Flying Spaghetti Monster. Article has D/L photo of said Pastafarian

How Cincinnati got suckered into two stadium deals

A Stadium's Costly Legacy Throws Taxpayers for a Loss

Excerpts:

Here in Hamilton County, where one in seven people lives beneath the poverty line and budget cuts have left gaps in the schools and sheriffs department, residents are bracing for more belt-tightening: rollback of a property-tax break promised as part of a 1996 plan to entice voters to pay for two new stadiums.

The tax hit is just the latest in a string of unforeseen consequences from what has turned into one of the worst professional sports deals ever struck by a local government—soaking up unprecedented tax dollars and county resources while returning little economic benefit.

With a combined estimated cost of $540 million, the stadiums—one for football's Bengals, the other for baseball's Reds—were touted by the teams and county officials as a way to generate cash and jobs. The Bengals, who had threatened to relocate if they didn't secure a new home, drove negotiations. And it is that deal—the more lucrative arrangement struck with the teams—that has fanned the county's current struggles.

...

At its completion in 2000, Paul Brown Stadium had soared over its $280 million budget—and the fiscal finger-pointing had already begun.

The county says the final cost was $454 million. The team's estimate, which doesn't include infrastructure work around the stadium, puts the tab at $350 million.

But according to research by Judith Grant Long, a Harvard University professor who studies stadium finance, the cost to the public was closer to $555 million once other expenditures, such as special elevated parking structures, are factored in. No other NFL stadium had ever received that much public financing.

...

On top of paying for the stadium, Hamilton County granted the Bengals generous lease terms. It agreed to pick up nearly all operating and capital improvement costs—and to foot the bill for high-tech bells and whistles that have yet to be invented, like a "holographic replay machine." No team had snared such concessions in addition to huge sums of public money, Journal research shows.

To help finance its stadiums, Hamilton County assumed more than $1 billion in debt by issuing its own bonds without any help from the surrounding counties or the state. As debt service ratchets up, officials expect debt payments to create a $30 million budget deficit by 2012.

"The Cincinnati deal combined taking on a gargantuan responsibility with setting new records for optimistic forecasting," says Roger Noll, a professor of economics at Stanford University who has written about the deal. "It takes both to put you in a deep hole, and that's a pretty deep hole."

The stadium's annual tab continues to escalate, according to the county's website. In 2008, the Bengals' stadium cost to taxpayers was $29.9 million, an amount equivalent to 11% of the county's general fund.

Last year, it rose to $34.6 million—a sum equal to 16.4% of the county budget.

Comment: A cautionary tale! And the teams suck too!

Hobson's choice, Brinkmanship, and Harakiri

Debt-Limit Harakiri - Mitch McConnell isn't selling out Republicans.

Excerpts:

Republican Senate leader Mitch McConnell said yesterday he's concluded that no deal to raise the debt ceiling in return for serious spending restraint is possible with President Obama, and who can blame him? We've never thought the debt ceiling was the best leverage for a showdown over the entitlement state, and now it looks like Mr. Obama is trying to use it as a way to blame the GOP for the lousy economy.

This may have been the President's strategy all along: Take the debt-limit talks behind closed doors, make major spending cuts seem possible in the early days, but then hammer Republicans publicly as the deadline nears for refusing to raise taxes on business and "the rich."

This would explain the President's newly discovered fondness for press conferences, which he has rarely held but now rolls out before negotiating sessions. It would also explain why Mr. Obama's tax demands have escalated as the August 2 deadline nears. Yesterday he played the Grandma Card, telling CBS that seniors may not get their August retirement checks. Next he'll send home the food inspectors and stop paying the troops.

The reality is that Mr. Obama is trying to present Republicans with a Hobson's choice: Either repudiate their campaign pledge by raising taxes, or take the blame for any economic turmoil and government shutdown as the U.S. nears a debt default. In the former case Mr. Obama takes the tax issue off the table and demoralizes the tea party for 2012, and in the latter he makes Republicans share the blame for 9.2% unemployment.

This is the political context in which to understand Mr. McConnell's proposal yesterday to force Mr. Obama to take ownership of any debt-limit increase. If the President still insists on a tax increase, then Republicans will walk away from the talks.

Comment: Hobson's choice. Comment. I don't think the Republicans should cave on the tax increases. As long as more revenue is on the table, there will be no significant cuts.

41 years ago I attended the MLB All-Star game

1970 Major League Baseball All-Star Game

Comment: It was the Summer between my Junior and Senior year of college. I was working at the Monsanto Chemical Plant in Addyston OH (currently owned by Bayer Polymers).

More information on the game here and here. Riverfront Stadium (now gone!) was brand new. Our seats were way up in nosebleed area behind home plate ... the topmost seats.

What a thrilling game. As I recollect it went past midnight. More information of the game here. President Nixon threw out the first pitch

After the game, I had to go to work (I was working the midnight shift.) As I recollect I arrived to work past 2:00 a.m.

Stand to Reason Blog: Tithing (Video)

Stand to Reason Blog: Tithing (Video)


Comment: Worthwhile video (3 min)

Roger's big catch

Roger's 4th of July catch - 8 lb Northern Pike

Where Benjamin Franklin rules!

As Plastic Reigns, the Treasury Slows Its Printing Presses

Excerpt:

For two decades, since the fall of the Soviet Union, demand has exploded for the $100 bill, which is hoarded like gold in unstable places. Last year Treasury printed more $100 bills than dollar bills for the first time. There are now more than seven billion pictures of Benjamin Franklin in circulation — and the Federal Reserve’s best guess is that two-thirds are held by foreigners. American soldiers searching one of Saddam Hussein’s palaces in 2003 found about $650 million in fresh $100 bills.

This is very profitable for the United States. Currency is printed by the Treasury and issued by the Federal Reserve. The central bank pays the Treasury for the cost of production — about 10 cents a note — then exchanges the notes at face value for securities that pay interest. The more money it issues, the more interest it earns. And each year the Fed returns to the Treasury a windfall called a seigniorage payment, which last year exceeded $20 billion.

To meet foreign demand, the Fed has licensed banks to operate currency distribution warehouses in London, Frankfurt, Singapore and other financial centers.

In March, largely because of the boom in $100 notes, the value of all American notes in circulation topped $1 trillion for the first time.

Comment: NYTimes graphic: Denominations in Decline

A couple of times a year I might have a $ 50 bill. My dear neighbor to the North (a widow woman) gives me a $ 50 twice a year (I mow her grass and plow her driveway). I can't think of the last time I've seen a $100 ... I think years. No ... I got a $ 100 this year from the bank and gave it to my niece as a wedding gift. My demonination of choice is the $ 20. Every couple of weeks we get $ 80 out of the ATM and divide it up for petty cash.

I would like to see the penny and the dollar bill eliminated.

Rare Baptist candor on predestination

Pastor says God chooses who will be saved

Excerpts:

Lawson said mankind has a “moral inability to believe upon the Lord Jesus Christ.” He quoted John 6:44, where Jesus said “No one can come to me unless the Father who sent me draws them.”

...

“The word predestined means the destination is determined before the journey begins,” Lawson said. “Predestination means that God has marked out on the horizon of time the destination by which he is bringing all of human history to an appointed end, and God has predetermined and pre-scripted everything that would come to pass.”

Lawson said there is “nothing harsh or offensive” about the doctrine of predestination, but it is rather “God exalting,” “joy producing” and “humbling.”

“If salvation begins with me, if it is initiated by me, if it is within myself to be able to believe unaided by God, then I should pat myself on the back and share some of the praise with God and take some for myself,” he said. “But if I understand that it is all of God -- that before time began God chose me and set his heart upon me and put into motion by his Son and by his Spirit all that would be necessary to bring me to himself and bring me to glory -- then all praise and all glory goes to God.”

Lawson said God offers not only “saving grace that washes away our sins” but also “believing grace that has enabled us to believe upon his Son, the Lord Jesus Christ.”

“Why do some believe and others do not believe?” he asked. “Why is it that you have believed and others in your family have not believed? Why is it that you have believed and others who are friends or classmates have not believed? Is it because you are smarter? Is it because you have a higher IQ? Is it that you were more spiritual when you were lost? Is it that you are wiser? Do you have greater insight? The answer to all of these is no. The reason that you have belief is because of the grace of our God and the saving work of the Holy Spirit of God.”

Lawson also said that Jesus’ death atoned only for sins of the elect.

“He did not die for an anonymous, nameless group of people, but specifically he died for you and me who were chosen in him from the foundation of the world,” Lawson said. “It was a very particular death. It was a very specific death. Not one drop of his blood was shed in vain. Upon the cross, Jesus accomplished all that he came to do. Upon that cross Jesus did not merely make us save-able, Jesus actually saved us.”

Lawson said that “every molecule in this universe was pre-scripted by God in this eternal, sovereign will.” That includes details such as “the means by which we would come to hear the gospel and come to a saving faith in Christ” and “when we would be born in history and who our parents would be and where we would grow up, what our gender would be, who would live next door us, who we would go to school with.”

“There are no accidents in our life,” Lawson said. “There is no such thing as blind fate. There is no such thing as good luck or bad luck. Those are all pagan myths.”

Lawson says since humans cannot know which people are predestined, they have a responsibility to preach the gospel to all people. He closed the sermon with an invitation to anyone in the audience under conviction to accept Christ.

“You may say I don’t know if I was chosen, I don’t know if I was predestined,” he said. “You may know that you are chosen and you may know that you are predestined if you will believe upon his Son, the Lord Jesus Christ.”

Comment: Messages like this are rare! Not heard in "Fundyland".

Rick Perry's bona fides

A Texan's ‘exceptionalism’

Excerpts:

Social issues, especially abortion, are gateways to the Republican nominating electorate: In today’s climate of economic fear, a candidate’s positions on social issues will not be decisive with his electorate — but they can be disqualifying. Perry — an evangelical Christian, like most Republican participants in Iowa’s caucuses and the South Carolina primary — emphatically qualifies

...

Between 2001 and last June, Texas — a right-to-work state that taxes neither personal income nor capital gains — added more jobs than the other 49 states combined. And since the recovery began two Junes ago, Texas has created 37 percent of America’s net new jobs.

Perry Breaks With a Fellow Texan: Bush

Excerpts:

... in recent years, Mr. Perry has broken politically with Mr. Bush, questioning his credentials as a fiscal conservative, accusing him of going on “a big government binge” and playing down some of Mr. Bush’s accomplishments in Texas in light of his own.

Mr. Perry’s public statements exposed a long-simmering rivalry that had been little known outside of the political fraternity here but underscores the rightward drift of the Republican Party since Mr. Bush was president. More acutely, Mr. Perry’s criticism holds potential peril and benefit for him should he decide to mount a presidential campaign, allowing him to establish an identity distinct from Mr. Bush but risking a guerrilla campaign against him by the former president’s inner circle.

...

The rivalry has become lore in the state capital, at times bordering on urban legend. “An eight-foot alligator in the sewer,” said Mr. Perry’s chief political strategist, David Carney. Stressing that the two men were friends with more similarities than differences, Mr. Carney said, “They are in the same church, different pews.”

Neither Mr. Bush nor Mr. Perry would be interviewed for this article, and people close to both said the rivalry existed far more between their aides than between them personally.

The relationship between the camps includes a rich mix of political differences, class distinctions, loyalty questions and perceived slights of campaigns past. And it is a uniquely Texan story, opening in the Western dust bowl where both emerged — Mr. Perry as a conservative Democratic state lawmaker from a modest farming family, Mr. Bush as a failed Republican Congressional candidate of famous New England stock.

Mr. Bush had returned to his hometown of Midland in 1975, to break into the oil business, after his years at Phillips Academy, Yale and Harvard Business School — time away from the state that Mr. Perry’s close associates brought up frequently in interviews. Mr. Perry returned to his struggling family farm in Paint Creek roughly two years later, after graduating from Texas A&M and serving as a captain in the Air Force.

Successfully running for the Texas House of Representatives in 1984, he won early attention as a dogged campaigner who flew himself to his own events in a beat-up propeller plane.

In 1989, Mr. Rove, already a powerful Texas political consultant, helped persuade Mr. Perry to join the Republican Party and run as agriculture commissioner.
...

Mr. Perry is said to believe that there is a big opening for a Republican like him in the race, and aides are mapping out how a campaign could come together. “The Republican field of candidates looks like a drought-stricken cotton crop,” said a close friend, Cliff Johnson.

Comment: First article is George Will's; second NYTimes. I think Perry could fire up the Republican race! Tim Pawlenty's star is setting because of poor showings in debates. I see the # 1 being Romney and # 2 being Bachmann (who looked good in Iowa last week!).

Anti-Stimulus

Obama’s Economists: ‘Stimulus’ Has Cost $278,000 per Job

Excerpt:

The report was written by the White House’s Council of Economic Advisors, a group of three economists who were all handpicked by Obama, and it chronicles the alleged success of the “stimulus” in adding or saving jobs. The council reports that, using “mainstream estimates of economic multipliers for the effects of fiscal stimulus” (which it describes as a “natural way to estimate the effects of” the legislation), the “stimulus” has added or saved just under 2.4 million jobs — whether private or public — at a cost (to date) of $666 billion. That’s a cost to taxpayers of $278,000 per job.

In other words, the government could simply have cut a $100,000 check to everyone whose employment was allegedly made possible by the “stimulus,” and taxpayers would have come out $427 billion ahead.

Furthermore, the council reports that, as of two quarters ago, the “stimulus” had added or saved just under 2.7 million jobs — or 288,000 more than it has now. In other words, over the past six months, the economy would have added or saved more jobs without the “stimulus” than it has with it. In comparison to how things would otherwise have been, the “stimulus” has been working in reverse over the past six months, causing the economy to shed jobs.

Comment: An Anti-Stimulus would be a retardant

Fun with Spam (X 3)

Comment: Three weird ones today:

Hello

My name is Mrs. Natte James Ray a dying widow , who wants to do some charity works
and i seek your help .contact my lawyer, Tell him that I have WILLED 14.258M to you for the
good work of the lord. quoting my personal reference number
JJ/MMS/953/5015/GwrI/316us/uk. I have paid for the state tax on this money
to be transferred to you.

My lawyer's Name: Barrister stacy miller

Email: stacey-grant@live.com

STACY GRANT MILLER
Attorney at-Law.
S.Miller & Associates LLP
11 Staple Inn Buildings,
London WC1V 7QH,
United Kingdom
+447031875842

Dear friend

FROM: DIPLOMATIC AGENT

I am a Diplomat named Mr. Dom May, mandated to deliver your inheritance to you in your country of residence.

The funds total US$7.5 Million and you were made the beneficiary of these funds by a benefactor whose details will be revealed to you after handing over the funds to you in accordance with the Agreement I signed with thebenefactor when he enlisted my assistance in delivering the funds to you.

I am presently at JFK Airport in the United States of America and before I can deliver the funds to you, you have to reconfirm the following Information so as to ensure that I am dealing with the right person

1. Full Name
2. Residential Address
3. Age
4. Occupation
5. Direct Telephone Numbers

After verification of the information with what I have on file, I shall contact you so that we can make arrangements on the exact time I will be Bringing your package to your residential address.

Send the requested information so that we can proceed.

Regard
Mr. Dom May

Elena Ezhkova
Central accounting unit
Yukos oil corporation
Russia.

Hello,

I am Elena Ezhkova I work with the central accounting unit of Yukos Oil Corporation in Russia. I have the documents of funds
for anesthesia group pty in our central accounting system a company secretly owned by The chairman of Yukos oil corporation,
Mr. Mikhail Boris Khodorkovsky who was jailed for financing political parties in Russia (the union of right forces,
led by Boris nemtsov,and Yabloko, a liberal / social democratic party led by Gregor Yavlinsky).

The total amount of funds in the central accounting system due for payment to anesthesia group pty is (65 Million) Due to the fact
that his finances And the Russian government has frozen assets, his wife (Mrs.inna khodorkovsky)has approached me to get an individual
or preferably a company to help re-profile the money in their name and Transferred out of Russia for investment on their behalf. Agreed to
compensate us with 20% of the total amount.


Regards
Elena Ezhkova