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Flag Set Regulation
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Ryan is a young guy with a young family-he's a self-employed contractor who has aspirations to join his hometown fire department. He likes the economic security of a firefighting career -every financial decision he makes has to fall within practical family guidelines. Except for a 2006 Mustang Saleen S 281 Extreme...
Ryan spotted one on Autotrader.ca for an asking price of 14,500 Canadian. That's a fraction of retail (45-55,000) for a 5000-mile car. Ryan emailed the seller for more information. It was the old divorce story (vindictive, angry, motivated ex-wife equals fire sale). Or so it seemed.
Ryan isn't a naïve guy-he's seen the 20-20/Dateline car scam stories on TV so he paid 30 bucks for a CARFAX report-everything she told him checked out. The car was sold in California, repossessed with a few thousand miles on the clock, sold again, moved up to Vancouver BC Canada and eventually ended up in Edmonton Alberta Canada. This was exactly what she had told him. He asked for more pictures and she emailed a giant portfolio including pictures of the car with Alberta plates and the original California dealer sticker. So far so good.
The seller then set the hook by offering a solution to the "how do I get paid?" question-she offered the "eBay Payment Protection Plan" as a solution. Basically it worked this way: Ryan would send a certified payment to a holding account with a trust company that would keep the funds until both parties were satisfied. She emailed him an invoice (eBay logo and all) detailing the terms of the protection plan: she ships the car and no money exchanges hands for 10 days until buyer is satisfied. Seller also agrees to take the car back at seller's expense for shipping if it isn't satisfactory. From Ryan's point of view she was taking all the risk so, with CARFAX, Auto Trader and eBay apparently involved, he truly believed that he'd won the 'Specialty Mustang' lottery.
Until it didn't show up. She had emailed Ryan to expect delivery at his house on Monday night at 8 pm. 45 minutes went by. Then an hour. Then another hour.
Ryan finally got an answer after several emails when she told him that the car was held up due to a shipping insurance issue with her bank. That's when he threw the penalty flag and phoned her bank in Florida to crash the deal (bank transfer recall). The manager was very unwilling to help. He told Ryan that his customer told him that Ryan had indeed received the car and the believability edge had gone to his client. It took a big move up the food chain in this Florida based banking chain and a call from the Miami police to get this guy off his "protect the lowlife fraud artist" position.
Ryan also phoned eBay about the protection plan invoice. eBay told him that it didn't exist and they contacted IC3 (internet fraud investigation). The bank account was immediately frozen. Ryan's own city police service in Calgary Alberta told him that they see this about five times a week and it can involve anything from a car to heavy equipment and it's always done the same way.
Ryan's case was typical-they'd taken pictures from a legitimate ad (in this case, like most, the real owner had actually tried to sell it earlier this year), done the same CARFAX check, built a divorce story around it and offered this bogus protection plan. Had Ryan waited another hour the 10 days would have been up and he would have been out 15,000 hard-earned dollars.
The worst part about this scam is that even after Ryan phoned Auto Trader to tell them that this ad was fraudulent the same car turned up a week later on Autotrader.ca -3000 bucks cheaper and under a new e mail address. They pulled the ad right after Ryan phoned them again.
The old adage "if it's too good to be true... blah blah blah" clearly applies here but Ryan tried to be a cautious buyer and practice due diligence even with "buck" (or in this case) "mustang" fever. He relied on brand names like CARFAX, Auto Trader and eBay to protect him-and so did the crooks. None of the name brands technically did anything wrong but with any system there is weakness-predators exploit weakness.
Bottom line "caveat emptor"-sure it's an older than dirt expression but living in the 21st century doesn't excuse us from learning an old lesson. Ask Ryan.
Jim Sutherland is a co-founder of mystarcollectorcar.com-dedicated to the average guy in the old car world.
We also like to take on non-car issues on a regular basis on our daily blog because it makes us look a lot smarter than we really are. Plus you can insult a car guy about his taste in music or movies but never hack on his car-those guys always have tire irons handy.
It's fun, it's occasionally controversial and it draws women into the site-we're like an automotive beer commercial so we need the women in the picture to make it interesting.
But we're still going to talk about 57 Chevys and vintage Mustangs.
http://www.mystarcollectorcar.com/
Why Take Up Golf?
span style="font-size: 9pt; font-family: Arial;">Thousands of people play golf. It has always been seen as an upper class game however people’s opinions are now changing. Long gone are the days where you had to wear plus fours and check jumpers. Golf is now more affordable than ever and is now a game for everyone not just old men! Here are some of the benefits of taking up golf.
Exercise
Golf is one of the best exercises that you can do. Many people who have had heart problems and who are not in the best of health take up golf. Lots of doctors recommend walking to patients as a good way of getting fit and especially after surgery. There are 1760 yards in a mile, the average course is anywhere from 5000 yards to 6500 yards. The shortest distance between two points is in a straight line however not everyone is Tiger Woods so the amount of walking can sometimes be doubled. If you are not a straight hitter you will be walking a lot more. Generally not many people use golf buggies due to course regulations and competition rules. Golfing can keep your heart pumping at a good pace depending on the golf terrain. So if you have not walked much in the past taking up golf could be a good idea for you.
Challenge
Many people who do not play golf ask the same question over and over again, “why would anybody want to chase a little golf ball around?” In fact many golfers ask themselves that question. For many golfers the whole reason for playing is the challenge. It is a real adrenaline kick to see the ball fly in the air to the green and see it land 4 foot from the flag. The player gets a feeling of success and people love the challenge of coming back and trying to repeat the same shot. There is a huge amount of frustration of not being able to make the shot over and over again then finally doing it. Golf has more than one challenge. There is a challenge within yourself to play better golf and to beat your competitors. For many golfers it is a real uphill battle to try and beat your own game.
Scenery
Golf courses have some of the best breathtaking scenery. Obviously it all depends on where you play. Many courses have trees of all colours that dtretch out on both sides of the fairway. Many courses have water features and some tee boxes are perched up on a hillside overlooking a valley or body of water.
Tranquillity
Golf is a very relaxing game depending on how well your game is going. There is a lot of natural beauty and it can be nice to play and just clear your head. Many courses take you far away from the club house and people find a lot of peace in the country side.
Social
Golf is a great way to meet people. Whether it is in the club house or playing in competitions you always meet new people. Most people go to their golf course just to have a drink with their friends.
Golf is a great game and can be relatively cheap too start.
About the Author
Bill Wright with Golf Outlets of USA provides you best information to choosing golf clubs. He also provides you details on golf sets and golf equipment.
Math Trivia (just for grins - easy 10 points!!!)?
Mixed questions. All of the answers are numbers.
1. How many deadly sins are there?
2. How many types of chess pieces are there in a standard set?
3. What is the atomic number of Oxygen?
4. How many Nobel prizes are awarded each year?
5. How many commandments were given to Moses?
6. How many ships did Columbus have to discover the New World in 1492?
7. How many days of Christmas (in the song)?
8. How many innings in a regulation baseball game?
9. How many voyages did the Titanic complete before it sunk?
10. How many rings are in the Olympic flag?
Hey just an F.Y.I...........mikezcim was correct (the rest were wrong sorry)
1) 7
2) 6
3) 8
4) 6
5) 10
6) 3
7) 12
9
9) 0
10) 5
Munson: Presidential visits still create small-town stir
Ottumwa, Ia. — Political chatter here this week focused on what the federal government does or does not do well - as in economic stimulus, health care, Wall Street regulation, you name the hot button.
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