Joe,
You will have to humour me on this one. The last time I checked, Yundum
layout with 219 plots were all sold out! So who is going out of business?
See how loaded diasporans are?
Good night,
Sidibeh
----- Original Message -----
From: "Joe Sambou" <[log in to unmask]>
To: <[log in to unmask]>
Sent: Friday, February 06, 2004 10:07 PM
Subject: Re: The Gambian Dalasi-LEKBI
> Sidebeh, makes three of us (including Conteh) and at this rate, the crook
is
> going to be out of business very soon. I was told he was part of the
> deligation that accompanied Yaya Jammeh is his last wasting of our
resources
> in the US with that crook in Sillah Bai and company.
>
> Chi Jaama
>
> Joe Sambou
>
>
> >From: Momodou S Sidibeh <[log in to unmask]>
> >Reply-To: The Gambia and related-issues mailing list
> ><[log in to unmask]>
> >To: [log in to unmask]
> >Subject: Re: The Gambian Dalasi-LEKBI
> >Date: Fri, 6 Feb 2004 18:32:41 +0100
> >
> >Joe,
> >
> >You can say that again about Taff Construction. On a number of occasions
> >browsing the net for Taff's houses at Yundum and Brufut layouts with
> >visiting friends, we could not belief the price tags attached to these
> >houses.
> >
> >(See: http://www.tafgambia.com/estate-perspective-brufut.htm)
> >
> >A Zeinab at Brufut with a total floor area just under 500 square meters
> >(with three bedrooms) goes for an incredible Euro127,000 which is a
> >whopping
> >1.15 million Swedish Crowns which is more than D4,000,000.
> >
> >I supposed these prices are especially for us diasporans and other
foreign
> >speculators as the prices are not even quoted in dalasi. In subsequent
> >discussions around these houses and their price tags, we figured that
> >buying
> >one is not a mere purchase. One simultaneouly pays for the surrounding
> >infrastructure: the sewage system, water and electricity (plus poles and
> >cables), the paved streets, the community market, mosque and school, and
> >the
> >labour and materials that went into erecting these.
> >During the colonial days, the European administrators stole the tax money
> >paid by Africans to upgrade the infrastructure around their side of town,
> >while the African majority remained in their mud and thatch huts without
> >utilities or decent roads or paved streets. It was Apartheid economics
> >everywhere. Kenya is a shining example!
> >I supposed that is still the order of things except that roles have
changed
> >unrecognisably; and that we our so-called educated selves can still throw
> >in
> >endless explanations apolgising for this "natural order of things".
> >True, entrepreneurs like Mustapha Njie are important in our countries and
> >need our support. On the other hand, we have business people who are only
> >too eager to tie corruptive knots with politicans in power, feeding on a
> >bleeding economy for private, opportunistic gain.
> >
> >The role of entrepreneurs at the very least needs to be to cater for the
> >needs of average Gambians and against politicians-turned-businessmen and
> >against vampiric pricing of their products.
> >
> >Sidibeh
> >
> >.----- Original Message -----
> >From: "Joe Sambou" <[log in to unmask]>
> >To: <[log in to unmask]>
> >Sent: Friday, February 06, 2004 4:31 PM
> >Subject: Re: The Gambian Dalasi-LEKBI
> >
> >
> > > Conteh, thanks for your response. You said:
> > >
> > > "But the reality of the issue is that if every seller values his or
her
> > > sales price in dollars or pounds sterling, the direct consequence is a
> >lack
> > > of confidence in the dalasi. Within a short-run, the dalasi will
> >devalue
> > > because there is less demand for it."
> > >
> > > Yes, you are right, "IF", every seller does that it will impact the
> >dalasi.
> > > However, I think we have to take this situation in context and that
not
> >many
> > > sellers will do that, for their target is the locals for the most
part.
> > > Conteh, please don't underestimate market forces. When the market is
> >not
> > > manipulated, it will do its magic. Taf knows that the overwhelming
> >majority
> > > of locals cannot afford his houses in dalasis, let alone in dollars.
> >What
> >I
> > > believe Taf is doing here is to target you and I, diasporans and other
> > > foreigners for his pitch. Like every market, you need a willing buyer
> >and
> >a
> > > willing seller. In that case, Taf can only make a sale if you and I
> >bought
> > > into his pitch. We do not even need to discuss this issue with Taf,
> >the
> > > market will take care of him. Thanks for your thoughts.
> > >
> > > Chi Jaama
> > >
> > > Joe Sambou
> > >
> > > >From: Jassey Conteh <[log in to unmask]>
> > > >Reply-To: Jassey Conteh <[log in to unmask]>
> > > >To: [log in to unmask]
> > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > >Date: Thu, 5 Feb 2004 20:29:44 -0500
> > > >
> > > >Mr. Sambou:
> > > >
> > > >Okay, your analysis takes the form of market forces. I have no
problem
> > > >with that. But the reality of the issue is that if every seller
> >values
> > > >his or her sales price in dollars or pounds sterling, the direct
> >conseqence
> > > >is a lack of confidence in the dalasi. Within a short-run, the
dalasi
> >will
> > > >devalue because there is less demand for it.
> > > >
> > > >We must understand that the functional currency is the dalasi. Have
> >you
> > > >ever seen any product sold in the U.S. denominated in any currency
> >other
> > > >than the U.S. Dollar? The prevailing issue is that the Gambian
dalasi
> >is
> > > >the functional currency. If we disregard the Gambian dalasi at the
> >selling
> > > >point, we are directly inferring our lack of confidence in the
> >currency.
> > > >
> > > >The Ministry of Finance should encourage merchants to denominate
their
> > > >selling prices in dalasi. Though market forces might prevail, our
> > > >objective is to have confidence in our functional currency, which is
> >the
> > > >dalasi.
> > > >
> > > >Naphiyo,
> > > >M.L. J. Conteh
> > > >
> > > >-----Original Message-----
> > > >From: Joe Sambou <[log in to unmask]>
> > > >Sent: Feb 5, 2004 2:55 PM
> > > >To: [log in to unmask]
> > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > >
> > > >Conteh, thanks for your response. I believe you are using the US
model
> >of
> > > >valuing the components of the sale of a home, such as crime stats.,
> >average
> > > >value of homes in the neighborhood, etc. That does not apply in
> >Gambia,
> > > >for
> > > >if I had it, I can build a $500,000 house in my old neighborhood with
> >no
> > > >problems. That is what is rife in Gambia - A high-rise right next to
a
> > > >reed
> > > >house and none is jealous of the other. I still do not see any
problem
> >of
> > > >Taf recognizing revenue in Dollars or Dalasis for a particular sale.
> >The
> > > >government will get its cut in taxes, no matter the currency, so,
> >what's
> > > >the
> > > >problem.
> > > >
> > > >"If you live in Brufut and you are are farmer, my dear question is,
can
> >you
> > > >afford to buy a house from Taff at such ridiculous price? Taff and
> >others
> > > >are part of the devaluation of the dalasi. If we can logically value
> >cost
> > > >incurred in building a house, it will reveal how Taff is robbing the
> > > >Gambian
> > > >people."
> > > >
> > > >Conteh, let the market dictate the outcome. I cannot afford a lot of
> > > >things, should that be a concern for sellers of the things I can't
> >afford?
> > > >I think that's a weak defense for the poor. Have you heard "cut your
> >coat
> > > >according to your size"? If a farmer in Brufut can only afford a
> >$5,000
> > > >house, then that is what he should build. However, if the farmer is
> > > >willing
> > > >to establish a mortgage agreement with Taf, I think that is the
> >farmer's
> > > >problem to solve.
> > > >
> > > >As to your cost accounting/manufacturing analyses, it does not apply
to
> > > >Gambia. If Taf over price his houses, the market will drive him to
> >sanity
> > > >when his homes are over taken by weeds for lack of offers. You saw
> >what
> > > >Taf
> > > >was offering and walked past it without buying, so would I and many
> >others.
> > > >However, if someone decides to ignore the going rate and buys a
$12,000
> > > >house from Taf for $120,000, then the joke is on the buyer. Besides
> >there
> > > >are plenty of contractors that Gambians can go to, and Taf is not
> >putting
> >a
> > > >gun to their head.
> > > >
> > > >Regarding Taf taking land illegally from the good folks of Brufut, I
> >agree
> > > >that was robbery aided by the government and is wrong and they should
> >be
> > > >compensated accordingly. Did you think to bring that up with Mafy
> >Jarjy
> >or
> > > >S.M. Dibba during your recent trip? :-)! Just kidding.
> > > >
> > > >"Now, Mr. Sambou, at what price should this house be? Did cost of
> >goods
> > > >(house) sold equal $60,000? I can bet my life it is probably less
than
> > > >$10,000. Why should this house be sold at $120,000? Only a fool
will
> >buy
> > > >this house at such a rediculous price. Taf is robbing Gambians. No
> >wonder
> > > >the Dalasi continues to slide."
> > > >
> > > >Yes, indeed only a fool will buy the house at $120,000, but you have
to
> >let
> > > >the fools make that decision - willing seller and a willing buyer =
> >Market.
> > > >Sale price is nothing but a meeting of the minds of the seller and
> >buyer
> >as
> > > >long as each receive consideration in the process - give up something
> >to
> > > >receive something. Now, how does this devalue the Dalasi? I still
> >cannot
> > > >see it. Thanks for your thoughts.
> > > >
> > > >Chi Jaama
> > > >
> > > >Joe Sambou
> > > >
> > > >
> > > > >From: Jassey Conteh <[log in to unmask]>
> > > > >Reply-To: Jassey Conteh <[log in to unmask]>
> > > > >To: [log in to unmask]
> > > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > > >Date: Wed, 4 Feb 2004 10:51:13 -0500
> > > > >
> > > > >Mr. Sambou:
> > > > >
> > > > >Taff is selling his houses in US Dollars and not in Gambian
Dalasis.
> >The
> > > > >realization point is that when a sale takes place, Taff wants to
> > > >recognize
> > > > >revenue in Dollars and not in Gambian Dalasis.
> > > > >
> > > > >One disturbing thing is that Taff builds houses in areas with
average
> > > >book
> > > > >value of no more than $2,000. Please be aware that these houses
are
> > > >built
> > > > >around native Gambians with income of less than $1,000 per year.
How
> >are
> > > > >houses and other tangible properties priced? Are they not valued
at
> >the
> > > > >aggregate or average market rates of other properties around.
Crime,
> > > > >income level, and other unities are equated also. One thing that
we
> >have
> > > > >to understand and realize is that this may in fact bring resentment
> > > >because
> > > > >of disappropriate distribution of wealth.
> > > > >
> > > > >If you live in Brufut and you are are farmer, my dear question is,
> >can
> > > >you
> > > > >afford to buy a house from Taff at such rediculous price? Taff and
> > > >others
> > > > >are part of the devaluation of the dalasi. If we can logically
value
> > > >cost
> > > > >incurred in building a house, it will reveal how Taff is robbing
the
> > > > >Gambian people.
> > > > >
> > > > > 1. Raw materials--where were they purchased and what price?
> > > > > 2. + Direct labor--cost incurred and paid to Gambian workers
in
> > > > >Gambian Dalasi
> > > > > 3. + Manufacturing overhead allocated--based on either
> >predetermined
> > > > >raw material costs or direct labor costs
> > > > > = Total manufacturing costs incurred for current period
> > > > > + Beginning work-in-process
> > > > > = Total manufacturing cost accounted for
> > > > > Less ending work-in-process
> > > > > = Cost of Goods manufactured
> > > > >
> > > > >Now, I will transfer these cost to finished goods inventory:
> > > > >
> > > > > Beginning finished goods inventory
> > > > > + Cost of Goods (houses) manufactured
> > > > > = Cost of Goods (house) available for sale
> > > > > - Finished Goods inventory
> > > > > = Cost of Goods (house) Sold
> > > > >
> > > > > Note that Taff is not paying a dime for the land. This
land
> >was
> > > > >forcefully taken from poor farmers and Taff
> > > > > is running and smiling with greed. Taff is a culprit.
> > > > >
> > > > >Now, Mr. Sambou, at what price should this house be? Did cost of
> >goods
> > > > >(house) sold equal $60,000? I can bet my life it is probably less
> >than
> > > > >$10,000. Why should this house be sold at $120,000? Only a fool
> >will
> > > >buy
> > > > >this house at such a rediculous price. Taff is robbing Gambians.
No
> > > > >wonder the Dalasi continues to slide.
> > > > >
> > > > >Naphiyo,
> > > > >Muhammad Lamine J. Conteh
> > > > >
> > > > >
> > > > >
> > > > >-----Original Message-----
> > > > >From: Joe Sambou <[log in to unmask]>
> > > > >Sent: Feb 3, 2004 7:52 PM
> > > > >To: [log in to unmask]
> > > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > > >
> > > > >Mr. Conteh, could it be that the favored currencies of the Pound
and
> > > >Dollar
> > > > >are targeted for folks living abroad/tourists? Are you saying that
> >these
> > > > >foreign currencies are demanded from local customers? More so, if
> > > > >government and a small circle of crooks are gobbling the foreign
> > > >currencies
> > > > >in the country, how would the tourist industry earn foreign
currency,
> > > > >especially when their services are sold to foreigners/outsiders?
> >Should
> > > > >the
> > > > >commercial banks get a monopoly of foreign currencies in the
country?
> > > >What
> > > > >does that do for the country, that the hotel owner will not doing?
> > > > >
> > > > >In the case of Taf, let's say I decided to buy one of his houses,
> >coming
> > > > >from the US, at $300,000, can't I buy the house by giving Taf that
> >amount
> > > > >straight from my pocket, in dollars, or do I have to give that
money
> >to
> > > >the
> > > > >bank and then turn around and pay Taf in Dalasis, just for Taf to
rub
> > > > >shoulders with Government and other insiders to get to the same
> >dollars
> > > > >from
> > > > >the bank, in order to buy his materials in foreign markets? I
highly
> > > >doubt
> > > > >that Taf is looking to locals to sell in Pounds/Dollars, and if
that
> >is
> > > >the
> > > > >case, then market forces will wake him up to sanity. As a
consumer,
> >I
> > > >will
> > > > >be a fool to buy a house from Taf in dollars at inflated prices.
If
> > > > >anything, I will be buying that house at a discount for providing
him
> > > > >foreign currency. I'm talking the language of market forces here.
> >Just
> > > > >looking at the same issue from a different perspective.
> > > > >
> > > > >Chi Jaama
> > > > >
> > > > >Joe Sambou
> > > > >
> > > > >
> > > > > >From: Jassey Conteh <[log in to unmask]>
> > > > > >Reply-To: Jassey Conteh <[log in to unmask]>
> > > > > >To: [log in to unmask]
> > > > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > > > >Date: Tue, 3 Feb 2004 11:23:14 -0800
> > > > > >
> > > > > >Comrades:
> > > > > >
> > > > > >The functional currency is the domestic currency relative to
> > > > >international
> > > > > >financial transactions, particularly when these goods and
services
> >are
> > > > > >produced and marketed in the domestic market. It is the hope
that
> > > > >entities
> > > > > >in the Gambia are engaged in business to sell their goods and
> >services
> > > >to
> > > > > >their respecitive customers. It also the hope that these
entities
> > > > > >formulate strategic costs incurred that do not exceed benefits
> >derived
> > > > >from
> > > > > >their money measure approaches. These entities should record
their
> > > >sale
> > > > > >prices denominated in the Gambian Dalasi.
> > > > > >
> > > > > >It is thus practical and economically sound that entities in the
> >Gambia
> > > > > >follow the realization principle of pricing their goods and
> >services
> > > > > >denominated in the Gambian Dalasi. One patriotic duty is that it
> > > > > >illustrates confidence in the Gambian Dalasi.
> > > > > >
> > > > > >Analyzation principle, which consists of both financial and
> > > >nonfinancial
> > > > > >data entails, for example, market surveys. These surveys may
> >affirm
> > > > > >customer tastes and preferences. If one successfully pinpoints
> > > >customers
> > > > > >tastes and
> > > > > >preferences; direct materials or services, direct labor and
> > > > > >manufacturing/service overhead allocated are valued as production
> > > >costs.
> > > > > >My question is, did the entities in the Gambia pay their Gambian
> > > >workers
> > > > >in
> > > > > >foreign currencies? No! These costs were paid in the Gambian
> >Dalasi,
> > > > >even
> > > > > >if raw materials were purchased internationally. A case in point
> >is
> > > >that
> > > > >a
> > > > > >pro forma statement is prepared by a bank prior to a purchase of
> > > >foreign
> > > > > >goods, and that the purchaser pays invoice prices directly to a
> >Gambian
> > > > > >bank. It is categorically true that these entities are not
> >directly
> > > > >paying
> > > > > >the foreign seller. It is also true that Gambian banks
> >denominanate
> > > >the
> > > > > >Gambian Dalasi as the money measure amount owed to a foreign
> >seller.
> > > > > >
> > > > > >When total manufacturing or service costs are valued, the notion
is
> > > >that
> > > > > >the entity hopes to make a profit. In this regard, realization
> > > >principle
> > > > > >takes form when a sale or purchase is made. Realization
principle
> >is
> > > > > >defined as the point of sale or purchase, from which a
transaction
> >is
> > > > >first
> > > > > >recorded in the book of original entry called the general
journal.
> >Are
> > > > > >entities in the Gambia recording their transactions in foreign
> > > > >currencies?
> > > > > >I hope not! If this is true, then the Dalasi will continue to
> >devalue
> > > >at
> > > > >a
> > > > > >significant rate.
> > > > > >
> > > > > >Even if an entity that is located in the Gambia is a subsidiary
of
> >a
> > > > >parent
> > > > > >headquartered in a foreign country, asset = liabilities + owners'
> > > >equity
> > > > > >should be measured in the Gambian Dalasi; thus affirming that at
> >point
> > > >of
> > > > > >sale these transactions should be recorded at historical value.
> >This
> > > > > >affirms the notion that assets recorded at historical
> > > > > >values assert that inflation is temporary and that changes in
> >prices
> > > >are
> > > > > >minimal. But if the entity chooses to ignore its funcitional
> >currency,
> > > > >its
> > > > > >is directly affirming its lack of confidence in its own domestic
> > > > >currency.
> > > > > >
> > > > > >Foreign currency adjustments in the form of comprehensive income
> >will
> > > >not
> > > > > >be necessitated by an entity such as
> > > > > >Taff. The principle is further affirmed that the only entity
> >making
> > > > > >foreign currency translation adjustments should be the Central
Bank
> >of
> > > > >the
> > > > > >Gambia. A subsidiary entity located in the Gambia plays no
active
> >role
> > > > >in
> > > > > >the determination of asset = liabilities + owners' equity on a
> > > > > >consolidated basis. Do we even have such entities? No. Why?
> >Because
> > > > > >policies enacted or lack of sound fiscal policies are cultivating
> > > > >negative
> > > > > >trends in the viability of the Gambian's economic output. This
> >policy
> > > > > >should be above politics because it directly affects every
Gambian.
> > > > > >
> > > > > >A note of caution is that since we have numerous merchandises and
> >hotel
> > > > > >industries in the Gambia, why should a price at point of sale be
> > > > > >denominated in the U.S. Dollar and the British Pound Sterling?
> >Does
> > > >this
> > > > > >signal that these entities have no trust in the Gambian Dalasi?
> >Why
> > > > >should
> > > > > >one pay Taff Real Estate foreign currencies at realization point
of
> > > > > >obtaining property? Does Taff have authority directly selling
> >foreign
> > > > > >currencies to respective foreign governments? Is Taff Real
Estate
> >now
> > > > >the
> > > > > >Central Bank of the Gambia?
> > > > > >
> > > > > >Are other Gambian entities also directly selling those foreign
> > > >currencies
> > > > > >with respective foreign governments? I state emphatically that
> >this
> >is
> > > > > >totally impossible. Are these entities mediating as the Central
> >Bank
> > > >of
> > > > > >The Gambia? No. If this is in the affirmative, then we have a
> >fiscal
> > > > > >crisis in the Gambia. Are these entities deposing their daily
> > > > >transactions
> > > > > >denominated in the Gambian Dalasi with commercial banks in the
> >Gambia?
> > > >I
> > > > > >concur affirmatively.
> > > > > >
> > > > > >A case in point is that the Gambia Central Bank is the
intermediary
> >of
> > > > > >foreign currency sales between affected foreign governments. Is
> >this
> > > >not
> > > > > >of sound fiscal policy that our house be in order. This in my
> > > > > >interpretation should be above politics. I practically and
> >sincerely
> > > > > >affirm constructive engagement. The APRC government should
change
> > > >course
> > > > > >and listen to its critics. We all have stakes in the Gambia, and
> >thus
> > > >it
> > > > > >is prudent that the realization principle not be violated by
these
> > > > >entities
> > > > > >and the Gambian government.
> > > > > >
> > > > > >Naphiyo,
> > > > > >Muhammad Lamine J. Conteh
> > > > > >
> > > > > >
> > > > > >-----Original Message-----
> > > > > >From: Abdoul Njie <[log in to unmask]>
> > > > > >Sent: Feb 3, 2004 11:52 AM
> > > > > >To: [log in to unmask]
> > > > > >Subject: Re: The Gambian Dalasi-LEKBI
> > > > > >
> > > > > >Mr. Jasseh,
> > > > > >
> > > > > >At your convenience, for those of us who are not savy in the
fields
> >of
> > > > > >accounting and financing, could you kindly elaborate on the
> >realization
> > > > > >principle( Revenue Recogniton Principle) and the effect such
> >practices
> > > > > >have
> > > > > >on the devaluation of the Gambian Dalasi?
> > > > > >
> > > > > >
> > > > > >Welcome back and hope you had a wonderful time.
> > > > > >
> > > > > >
> > > > > >As always to You- BEST REGARDS,
> > > > > >
> > > > > >
> > > > > >Ablie Njie- Lekbi
> > > > > >
> > > > > >
> > > > > >
> > > > > >
> > > > > >
> > > > > >
> > > > > >Best Regards,
> > > > > >
> > > > > >
> > > > > >Ablie Njie0- Lekbi
> > > > > >
> > > > > >
> > > > > >
> > > > > >
> > > > > >
> > > > > > >From: Jassey Conteh <[log in to unmask]>
> > > > > > >Reply-To: Jassey Conteh <[log in to unmask]>
> > > > > > >To: [log in to unmask]
> > > > > > >Subject: The Gambian Dalasi
> > > > > > >Date: Tue, 3 Feb 2004 10:12:29 -0500
> > > > > > >
> > > > > > >Comrades:
> > > > > > >
> > > > > > >I was just checking around and noticed that hotels, taff's real
> > > >estate
> > > > > >and
> > > > > > >other
> > > > > > >entities in the Gambia are denominating their respective sales
> >prices
> > > > >in
> > > > > > >the U.S.
> > > > > > >and the British Pound Sterling. This should be stopped by the
> > > >Ministry
> > > > > >of
> > > > > > >Finance
> > > > > > >because it has contributed to the devaluation of the Gambian
> >Dalais.
> > > > > > >
> > > > > > >Since these entities are located in the Gambia, both the
revenue
> >and
> > > > > > >expenditure
> > > > > > >measurements state that the domestic currency should be the
> > > >functional
> > > > > > >currency
> > > > > > >for the realization principle. I hope the Ministry of Finance
> >takes
> > > >a
> > > > > > >serious look
> > > > > > >at the lack of confidence that these entities are contributing
to
> >the
> > > > > > >economic stability of
> > > > > > >the Gambia.
> > > > > > >
> > > > > > >Naphiyo,
> > > > > > >Comrade M. Lamine J. Conteh
> > > > > > >
> > > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > > > >To Search in the Gambia-L archives, go to:
> > > > > > >http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
> > > > > > >To contact the List Management, please send an e-mail to:
> > > > > > >[log in to unmask]
> > > > > > >
> > > > > > >To unsubscribe/subscribe or view archives of postings, go to
the
> > > > >Gambia-L
> > > > > > >Web interface
> > > > > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > > > > >
> > > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > > >
> > > > > >_________________________________________________________________
> > > > > >What are the 5 hot job markets for 2004? Click here to find out.
> > > > >
> > > >
> >
>http://msn.careerbuilder.com/Custom/MSN/CareerAdvice/WPI_WhereWillWeFindJob
> >sIn2004.htm?siteid=CBMSN3006&sc_extcmp=JS_wi08_dec03_hotmail1
> > > > > >
> > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > > >To Search in the Gambia-L archives, go to:
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> > > > > >
> > > > > >To unsubscribe/subscribe or view archives of postings, go to the
> > > >Gambia-L
> > > > > >Web interface
> > > > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > > > >
> > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > > >
> > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > > >To Search in the Gambia-L archives, go to:
> > > > > >http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
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> > > > > >
> > > > > >To unsubscribe/subscribe or view archives of postings, go to the
> > > >Gambia-L
> > > > > >Web interface
> > > > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > > > >
> > > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > >
> > > > >_________________________________________________________________
> > > > >Get a FREE online virus check for your PC here, from McAfee.
> > > > >http://clinic.mcafee.com/clinic/ibuy/campaign.asp?cid=3963
> > > > >
> > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > >To Search in the Gambia-L archives, go to:
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> > > > >
> > > > >To unsubscribe/subscribe or view archives of postings, go to the
> >Gambia-L
> > > > >Web interface
> > > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > > >
> > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > >
> > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > > >To Search in the Gambia-L archives, go to:
> > > > >http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
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> > > > >
> > > > >To unsubscribe/subscribe or view archives of postings, go to the
> >Gambia-L
> > > > >Web interface
> > > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > > >
> > > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > >
> > > >_________________________________________________________________
> > > >Scope out the new MSN Plus Internet Software - optimizes dial-up to
the
> > > >max!
> > > > http://join.msn.com/?pgmarket=en-us&page=byoa/plus&ST=1
> > > >
> > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > >To Search in the Gambia-L archives, go to:
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> > > >To unsubscribe/subscribe or view archives of postings, go to the
> >Gambia-L
> > > >Web interface
> > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > >
> > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > >
> > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > >To Search in the Gambia-L archives, go to:
> > > >http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
> > > >To contact the List Management, please send an e-mail to:
> > > >[log in to unmask]
> > > >
> > > >To unsubscribe/subscribe or view archives of postings, go to the
> >Gambia-L
> > > >Web interface
> > > >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > > >
> > > >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > >
> > > _________________________________________________________________
> > > Plan your next US getaway to one of the super destinations here.
> > > http://special.msn.com/local/hotdestinations.armx
> > >
> > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> > > To Search in the Gambia-L archives, go to:
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> > > To unsubscribe/subscribe or view archives of postings, go to the
> >Gambia-L
> >Web interface
> > > at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> > >
> > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> >
> >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> >To Search in the Gambia-L archives, go to:
> >http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
> >To contact the List Management, please send an e-mail to:
> >[log in to unmask]
> >
> >To unsubscribe/subscribe or view archives of postings, go to the Gambia-L
> >Web interface
> >at: http://maelstrom.stjohns.edu/archives/gambia-l.html
> >
> >~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
>
> _________________________________________________________________
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> Internet Software. http://click.atdmt.com/AVE/go/onm00200359ave/direct/01/
>
> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
> To Search in the Gambia-L archives, go to:
http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
> To contact the List Management, please send an e-mail to:
> [log in to unmask]
>
> To unsubscribe/subscribe or view archives of postings, go to the Gambia-L
Web interface
> at: http://maelstrom.stjohns.edu/archives/gambia-l.html
>
> ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
To Search in the Gambia-L archives, go to: http://maelstrom.stjohns.edu/CGI/wa.exe?S1=gambia-l
To contact the List Management, please send an e-mail to:
[log in to unmask]
To unsubscribe/subscribe or view archives of postings, go to the Gambia-L Web interface
at: http://maelstrom.stjohns.edu/archives/gambia-l.html
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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