talk to you about.

I want you to hear me out so please

read this entire email before jumping

to conclusions.

I was introduced to a startup company

called Zurker, which is a social network.

It’s not just another social network

though.

You see, with Zurker you actually own

part of the company through what they

call VShares.

Each VShare is worth about $1 at the

moment.

They are growing steady and just to give

you an idea what a VShare might be worth:

let’s say Zurker gets estimated to be worth

$580 million after 2 or 3 years.

That means your VShare would be worth

about $580!

Now get this. When you join you can invite

others and earn more shares.

I know that there is chance Zurker

will fail, but it’s free to join.

What if?

If they succeed and you ignore this message

today, you will kick yourself in 2 years from now.

You can only join through an invite, and

you can only have 1 account.

Here is my invite for you

I strongly urge you to join and get your invite

links. Within first 24 hours you get 2 Vshares

per each sign up.

Look, it’s one of those things that you just

need to take a chance on.

If it fails, then you lost what? 1 hour of your

time?

If they succeed and become a big player you

will be sitting on a pile of gold.

Anyway, I just wanted to let you know about this.

From what I’ve seen so far they are about to

go viral.

At least join to secure your username before

someone else grabs it lol

Take care,

Mike

Here is the Invite

AVL Capital Ltd (www AVL Capital com) is part of AVLC Group (www AVLC Group com)

AVLC Group comprises of seven registered companies; AVL Capital, PSL Capital, Advance Ventures, Wasili Kenya a micro credit Community Based Organization Becky Travents Concepts, Becky Logistics and BKY Insurance Agency

I’ve known AVL Capital for the last couple of months.. Though I hadn’t transacted with them, I just happened to know them since they were strategically located in the same building floor with a company that I worked with on certain online projects..

I knew they provide Lending facilities like short term loans (1 to 3) months, bid bond financing, trade financing and more.. Obviously I could tell from a banner that they placed outside their premises.

About 3 weeks ago (mid Nov) I had an Item i needed to clear from the mombasa port.. and some funds i had planned to use for clearance were a bit stuck  until mid december. So to bridge the gap and clear the item i wanted some quick credit for 21 to 30 days to utilize in clearing that item up, have it insured so that I don’t accumalate demmarage costs.

So the first idea that came to mind was contact a friend who had used their services for bid-bond financing.. and they told me the last time they used their facility, they were prompt.

On 22nd November I headed to AVL Capital offices in Upperhill. No. 24  Lowehill Duplex Apartment (right opposite Upperhill Secondary School). This was after liasing with them over the phone the previous day. I happened to speak with the front office person who was very helpful and upto speed in sending information on email on the requirements . I also expressed that my request was urgent and that if there was a senior person in the office that I could speak to, so it happened one of the Managing Director, a Mr. Andrew Kanyutu was present, he spoke to me and expressed support and that I can continue with the application process.

From that single encounter I felt this was the company to go for.. NO beuracracy, the MD is kind enough to talk on phone even when he’s busy.. So on the day I visited their offices, I happened not to meet the MD, he had left office, but Luckily I met one other Director a Mr. Kagesha.. who happened to have been briefed about my enquiry  the day before..

Mr. Kagesha (Director AVL Capital) Is a very jovial and welcoming person. I had some paperwork with the likes of bank statement, my online activities e.t.c. He was impressed by what I was doing and my unique ways of making money online as an Internet Marketer and Financial Trader.

At this stage two directors giving a greenlight??  So I was betting my chances at 80% success rate to qualifying for credit facility at AVL Capital.  Having filled the application, personal information, passport photo and other requirements I was told to meet the MD the following day for as further review.

At this point, the system is through in screening and this gives more confidence, as I pass every test it gave me more confidence that I qualify for the credit facility and indeed am the target client they would want to retain.

It’s Thursday 24th Nov. 2011 I’ve submitted my application which is reviewed within 24 hours.  Before the day ends I got a call and my application had passed through.

When you qualify for a credit facility, they have a loan Processing FEE of 3% or 4% if the Item you are clearing  has to  be insured. So I fell for 4%. I had to pay Kes. 12,800 Aprx $ 140.00.

So I paid and I was told that the funds will be available in 4 working days, but given the urgency they were will to process the same in 24 working hours i.e. by Friday 25th Nov. 2011. I was all smiles and it felt like the birds were singing my favorite song.

Make sure you are sitting down as you read this..

On friday 25th – Am calling to see if the check is ready.. the team there.. from Admin & Operations to the Managing Director are not picking calls.. So I guess they are busy working on my check.. or just attending to my clients.. Finally the Op & Admin person called and said there was a delay and I should expect the check on 29th Tuesday. A bit upset, but I understand.. afterall its their shipping time without hussle (4 working days).

Come 29th Tuesday – No one pick my calls.. until late.. so I smell something fishy coming my way.. and I start getting pretty upset.. the Item at the port will start accumalating demmarage costs.. I’ve stopped looking for a credit facility.. As I rest assured that there is a RELIABLE company i.e. AVL Capital sorting me out..

Dec. 2, Friday the following week i.e. 7 days late than the promised date.. no feedback yet, no one picking up my calls or responding to emails. Am pretty busy.. don’t have time to physically pay them a visit.. getting desparate, my item could be accumalating demmarages.. So I wrote this email to them..

Joyce,

This facility is taking longer than i can bear..

Kindly let me know how I can cancel the request and a reimbursement of the application deposit of KES. 12, 800

My reason for cancellation are as follows:

1. There is no communication on your end (no senoir person picks up my call)
2. Lateness in delivering – your turnaround for an already approved request is 4 working days.. which has since passed and its 3 working days late.
3. I need to clear the car with speed and will have to look for other quicker methods from Lenders who do EXACTLY what they say they will do.

Am restraining myself to remain calm, but the truth of the matter is Am NOT Amused at all and in fact very dissappointed with how things are going.

Regards,

As usual no response by email or phone.. So I followed up by call and said thay had gotten my request and would advise.

1o days Later.Monday Dec 5 am is an assurance that this company won’t honor what they said they would and had to look for alternate sourcing.. Eventually, it meant I had to cancel my application.. As usual numerous calls no answer, no commitment and I wrote the following email to operations manager and cc’ed to the MD

Good day,

I wish to withdraw my application for loan in settlement of a  car duty at Mombasa port.

Following non-commitment from AVL team to deliver the loan facility in 4 working days as agreed,
I therefore take the position that AVL is not able or is unwilling to provide the said facility henceforth.

In this respect, AVL should make available the following for pickup:

1. Application fee – Kes. 12,800
2. Postdated check in favor of AVL by XXXX (Edited- the company that had guaranteed the facility)
   
3. my personal copy documents filed by AVL.

Going forward, am not interested in securing a loan facility with AVL as I have suffered severe damages directly and indirectly as a result of poor response in addresssing customers requirements.

NB: Kindly prepare the above for easy pick-up by  1200h, Monday, December 05, 2011

Kind Regards,

Dec. 8 Thursday.. I call them to ask whether the cancellation was honored and if my documents and application were ready.. So I was told by the Operations and Admin person at AVL Capital that the documents i.e. bank statements and pasport photo are ready for pick up but the application fee is non-refundable!!!

Tell me what???

Oh.. what a profitable business model!!

Step 1. Apply for short loan..

Step 2. We vet you and analyze your bank statements, credit worth e.t.c.

Step 3. Congratulations!! you’ve qualified for a loan proceed and apply..

Step 4. Application received. NOW pay 4% of the amount you want e.g. 500K ($5,000) pay 20k ($200)

Step 5. Take client in circles.. till their emergency is no longer important.. make them desparate to look for other means.

Step 6. Frustrate them even further until they give up

Step 7. Client Gives up and they cancel..

Step 8. Hurray.. It’s Party time (Application fee- non-refundable) – Client go to hell (No LOAN, NO refund) afterall we have some fineprint covering our ASS!

Step 9. Leverage. Do that to 40 clients in a month. 40 * 20k = 800k Approx ($8,000)

Step 10. We have a lean staff. pay rent and divide the rest among ourselves!!!

Review: There is easy money being made in this town.. Especially, with the banks raising their lending interest rates.. the public is forced to look for alternative sourcing of funds.. thats where you meet the Private Lenders who hide under the umbrella of Private Lenders Association in Kenya{PLAK}. Am nit sure if such an organization exists, but even if it did.. it would cover the interest of the lending companies not the borrowers.

From my Experience: AVL Capital in Nairobi Kenya is a scam! Stealing from the public by taking Selling what they can deliver., in this regard.. paying for application % of an amount.. that is not realized is like paying for a product that doesn’t get shipped..  This is stealing in the day light and am sure lots of people will get SCAMMED by this Rogue company unless the word gets out there pretty quick..

If I got to exeperience this with AVL Capital, am sure there are a few others who gone through the same but they don’t have access to a platform like this one to voice their word out   BUT I have and am determined to ensure this company doesn’t continue to rob people while covering themselves with Terms of Service.

The directors are pretty young guys in their 30′s and they have a whole-hell of life ahead of them,, they can close the company, start a new one, probable learn from their mistakes and start afresh. Or even worse.. reharsh the whole lending-stealing methodology with even more companies.

Of shock is how some reputable corporations like ChaseBank and CIC Insurance group have partnered with these guys. With CIC they have contracted them as their agency under the name BKY Insurance Agency and I heard Chasebank provides them with Liquidity.

From an entrepreneur perspective: Now even come to think of it.. If AVL Capital has to rely on a bank to provide liquidity for them.. it could be a reason enough that the bank was taking longer to approve the funds, but if the company has had a history with the bank.. It would even be easier to get liquidity approved.. but if they don’t pay their debts.. then the delay from the bank is also escalated to the customer like me..

Now what makes it EVIL.. is if AVL Capital is dwindling financially and bank is not approving their liquidity.. based on whatever factors.. now they have to punish the little guy by stealing application fee, without necessary shipping on their promise..

AVL Capital is a start up.. and I also believe the Group is a just a marketing gimmick.. you know what they call.. Fake it till you make it.. Unfortunately, with the way they are treating clients, i don’t see them recovering anytime soon, they probably remain a start up for the 7 years or so.. In fact I wont be surprised if the closed down soon.. They might continue.. thriving on old clients who had their ran when they started… but thats all they’ll have.. if this is how they will treat new clients..

“Post you comments below..

Certain details are required:

Bank Account Details

Currency: USD/ KES [enter the correct currency of your KCB A/C]

Routing / SWIFT:    KCBLKENX

Account Holder Name: John Doe [Enter name as it appears on A/C if its company don't give directors name.. give company name]

Bank Account Number / IBAN: 1111111111 [enter your KCB account number]

Routing Code / Sort Code: ******* Enter your KCB Branch code e.g. 01204 for gateway Mombasa road -call your branch to ask

Bank details

Bank Name: Kenya Commercial Bank

Bank Address: P. O. Box 48400,

Zip code:00100

Bank City: Nairobi

Bank Country: Kenya

Branch Name:   Enter Branch name e.g. Kipande House

Branch Number: enter Branch number – call to ask

Bank Contact Name:    Branch mangers name/ operation managers name not front office/ sales guys

Bank Phone: 254 20828889

If you are sending more than USD 5,000 you can call their treasury department to negotiate for exchange rate. Alternatively open a Dollar account to receive exactly what was sent.

===================================================

[these details are key as well - but you can ignore if not requested for the same]

Sending money from the USA
For remittance from the USA, you will need to quote our correspondent bank, Deutsche Bank Trust Co.
The correspondent bank'scode is BKTRUS33.

Sending money from Europe
For remittance from Europe, you will need to quote our correspondent bank, Deutsche Bank AG.
The correspondent bank code is DEUTDEFF.

Winners are as follows

The winners are:

uzanunua.comSector: Wholesale and Retail Trade	Uzanunua.com enables Kenyans to buy and sell goods online. Payments to uzanunua are facilitated by local systems such as m-pesa, zap, yu cash. Online auction and classifieds website, uzanunua.com has since acquired 13,000 members and growing at 200% per annum. The platform is based on ebay and is easy to use and has 3,000 unique visitors per day and growing. Kenyans now have their online auction and classifieds site where they can shop from their place of comfort.
Mbetsa Innovations LtdSector: Manufacturing	Morris Mbetsa, a young Kenyan invented an anti-theft device that uses SMS technology to both block and track car theft. The system brings the whole concept of vehicle security into one’s hand thanks to the mobile phone; it enables car-owners to monitor their vehicle from a distance and even be able to completely stop the vehicle. Morris Mbetsa had just graduated from high school when he came up with this security device. The innovation is an entirely Kenyan designed GPRS tracking device.
AGA KHAN UNIVERSITY HOSPITAL NAIROBISector: Health Care Delivery	The Aga Khan University Hospital have used ICT  to improve their services.  They have used a combination of health management information systems (HMIS)and mobile phone technology to improve health care service delivery.  With a central database accessible to their entire countrywide network branches, patients are served and monitored using the same file number whenever they visit any of Aga Khan Hospital branch. Electronic capturing of patient diagnosis has simplified reporting on the numbers encountered on particular diseases for a given period.
Websimba LtdSector: Tourism	Websimba’s Eat Out website and Eat Out Mobile site allows consumers to search for restaurants based on various criteria such as area location, type of cuisine and/or budget.  Users are provided with the most comprehensive restaurant information including opening hours, photos, videos, customer reviews, menus, maps and details of any offers or special events.    The end-user can reserve tables using the online booking engine or by calling our customer services advisors.  For restaurants, the site provides a low cost online presence and allows better preparation as customers are pre-booking rather than walking in.
UshahidiSocial Equity and Poverty reduction	Ushahidi is a non-profit technology company  that specializes in developing free and open source software for crowdsourcing, visualization, and interactive mapping.      Ushahidi started as an ad hoc group of technologists and bloggers hammering out software in a couple days, trying to figure out a way to gather more and better information about the post-election violence in Kenya in January 2008.     It has since been used around the world for mapping instances of violence and disaster relief.
Horizon Contact Centers LtdSector: Business Process Outsourcing/Offshoring	Horizon’s HK_V2 Platform is a locally developed web based solution similar to a CRM which allows for integration with a soft phone to make outbound calls and update data real-time. Horizon designed and deployed the solution with a dynamic front end that can be customized to meet data requirements, ability to integrate it to a soft phone in order to initiate calls on preview mode from an existing database of contacts or manually inputted and a dynamic back end database.
MOBIKASH AFRIKA LIMITEDSecotr: Financial Services	MobiKash offers an all-in one independent mobile commerce and banking solution, which allows users to perform a wide range of financial transactions using their mobile phone.  It works across all networks and a user can link up to fifteen bank accounts on a real time basis.  It gives a user total control of their money anytime anywhere.
International Livestock Research InstituteSector: Agriculture	Index-based livestock insurance (IBLI) is a promising and exciting innovation in insurance design that allows the risk-management benefits of insurance to be made available to poor and remote clients. The IBLI product being piloted in Marsabit District aims to provide compensation to insured pastoralists in the event of livestock losses due to severe forage scarcity. Incorporating remotely-sensed vegetation data in its design, delivered via mobile ICT-based transactions platforms, and with experimental extension methods used to educate the remote pastoral herders, the IBLI product boasts many firsts in product development.
Space Kenya Networks LTDSector: Gender, Youth and Vulnerable Groups	Whive.com is a Social Media Tools Aggregator that offers a platform for SMS, Facebook, Twitter and Mobile Applications that are built for local use in Kenyan and African settings. Whive offers a variety of services. Whive differs from other platforms because they are localizing mobile applications to all Kenyan communities by making them available in local languages. Starting with Swahili, Sheng and English Whive is seeking to initially target the Kenyan youth with its classifieds application. These applications will also form a basis of lingual translation services of key Kenyan languages.
Virtual Essence LtdSector: Education and Training	MsingiPACK 2011 E-learning/E-revision Solution is a comprehensive digital supplement for upper primary classes under the New 8-4-4 Syllabus, based 100% on Local Content.    The content has been generated originally by an Academic Task Force comprising of over 100 teachers, Education Consultants and Curriculum specialists. The tutorials are well structured and sequenced to form a Guided Learning Path while adequately covering everything that the K.I.E syllabus stipulates, including the newly revised Social Studies syllabus that is now based on the New Constitution of Kenya. The KCPE past papers in the programme have been digitized and fully automated under the copyright authority of Kenya National Examinations Council. With the MsingiPACK now available via Mobile Phones, there is value addition to this gadget.
ANNIVERSARY LABSector: Housing and Urbanisation	Robert Mburu incorporates home-made gadgets like the touch switches among other bridge detectors to displays number of intruders on a digital display and repulses them with a discharge 10000 volts. The system is linked to a camera that takes over all electrical gadgets in the house including your TV set  and records intrusion at instances, it comes with an 8hrs power back up,. The alert system is connected to the GSM Texts owner and if an SMS goes unread, it calls the owner of premise and if not available calls two other sets of numbers. The system can also take up commands and execute them when texted eg ‘switch on lights’.

 

 

If you are a business person, the transition doesn’t really matter.
what matters is the direction your business is taking.

You made a sound decision to join this site so that you can get information on how to start an online business.

As days go by, you need to take an audit of the baby steps you’ve taken in building your online business. if you’ve not started one don’t worry, here is why:

Every vision has an incubation period, I hope you’ve dreamt enough in 2010 and now more than ever is the time to start taking action. it doesn’t matter how small, as long as you know your goals and are headed on the right direction.

When I started this group I was championing Affiliate marketing. It’s a lucrative business model that requires hardwork but pays of eventually.

In the last couple of months I ventured on another online income opportunity i.e. the financial market. dealing with shares, currencies and commodities

This niche commonly reffered to as Forex trading, is a risky business, but with sound understanding of how the market works you can make it big. You can make more money in record time, than you’ve ever thought of or even read about.

This is the 3rd stream of income on the system I developed last year SCS. Inside the members area you’ll learn how to copy trades from Experts. hence simphoning from their tools and experience in minutes.

If you have some spare $37 I’ll show you how on this link:

http://www.newprweb.com/go-get/online-biz/

To your Success,

Mike Ndegwa

That’s too much text right there…

How do you drill down to what affects you?

Here is how:

Step 1.  Do a search on Google.com for the term “WikiLeaks”. The top result currently is showing http://213.251.145.96/

Step 2.  Go to  http://www.google.com/sitesearch/. Scroll all the way to the bottom, until you find.

Try it out!

Enter your website’s URL and a sample search query – and see Google Site Search in action for your website.

Enter URL: http://213.251.145.96/

Search Term: e.g.Kenya

See a Sample Screen Shot

Mike Ndegwa