1. Today I am going to enlighten you on few banks, and on how banks spend our money.
The first bank sent us few of its representatives, who gave the sun on one hand and the moon on the
other, swore to us that if we buy in to their investment it will quadruple in few years, and all we need to
do is pay up for 18 months. I signed up the whole office, started paying the gratuity money, when the
18 months were over, we all stopped the payment, and waited for those few years to be over to get our
quadrupled money back, until one day we received the statements that mentions that if we surrender
our investment, the value will not even be a third of what we paid.
The girls in the office were so unhappy that they lost their savings, and so was I; they would look at me
every time I enter the office accusingly, as I convinced them to enter into this investment. Two girls left
us, as they didn't want to continue to pay more, and I had to pay them back their portion of the
investment (they invested a part, and I invested another part). One day, some money was withdrawn
from these two girls' accounts! They called me asking what is happening, I advised them to go to the
bank and ask, as after few hundred missed calls and text messages with our investment banker, we
realized that nothing would be solved. To our surprise, the branch manager told them that he had no
idea what this is, and told them that he will check and let them know.
After few weeks, the same happened, and they went again, quietly closed off their accounts and
withdrew all their money before that cookie monster eats it all.
Since the past three years we were trying to chase the bank with no avail. I found where their hub is,
the office is staffed with two clerks, a manager, and a bunch of monkeys (so called investment bankers)
who were all standing in the streets smoking and reflecting about the fall of Wall Street, the rise of
Shenzhan and the importance of the India futures. what they had forgotten is that, while they are
theorizing the market, people are investing their hard earned funds into it, and they shouldn't be
allowed to just talk and smoke, they should actually work to improve the situation of the dropped value
of their clients' funds, and must actually consider the money as their own money and try to make it
more valuable.
So this is the real story. A bank goes into a venture with foreign investment houses, hires a bunch of
idiots to run it, doesn't even bother to brief their own branch managers about it, get them on their side
and instead make the clients unhappy. Also what the bank had totally forgotten about, is that all the
bank expenses are actually paid from the clients (us) and all the shirts, pants, rent for their houses,
stationary and that delicious cup of cappuccino they ponder upon is actually paid from our money. how
can this bank allow its employees to play around, spend time on their own things rather than focus and
make our money grew more and show us the clients that they are actually caring about us.

2. The second and third bank have done exactly the same thing, they provided us with things that have not
worked, we trusted their judgment as they are the experts, we cannot all be financiers and we cannot
all understand financial instruments; we need the banks to be the protectors and the advisors. I needed
a letter from one of them, the letter costed me a trip, an exhibition, a car buyer, and also my trust. To
add to this, the branch manager thinks that it was my fault that they didn’t do their job properly, he
reckoned that the client should look after his/her own interests. All it was is a letter that I had paid off
my car loan; why on earth does this go to head office, and takes 8 days to print?
If it is left to me, I would open my own bank, and pamper my clients to the extent that no one would
ever think of changing from my bank to any other bank.
Why am I saying this? Ok let me give you a story. A tiny consulting office like ours, we go to Oman three
times a year to promote, one of the families over there that we had met during one of our trips, have
provided our numbers to all its members, and since then we have advised them all, and they had all
been educated by us. I am not saying that we are the best, what I am saying is that we must be a good
company as the repeat business we receive is a sign.
Will I provide you a name of a bank to work with over here? No way, I do not trust any of them, nor do I
want you to later on criticize me for providing you that contact, no way Jose, my reputation will be at a
stake here, as I normally only recommend the best to everyone.