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15 global challenges that cannot be addressed by any government acting alone

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  The 15 Global Challenges  from t he Millennium Project, a global participatory think tank. 1. How can sustainable development be achieved for all while addressing global climate change? 2. How can everyone have sufficient clean water without conflict? 3. How can population growth and resources be brought into balance? 4. How can genuine democracy emerge from authoritarian regimes? 5. How can decisionmaking be enhanced by integrating improved global foresight during unprecedented accelerating change? 6. How can the global convergence of information and communications technologies work for everyone? 7. How can ethical market economies be encouraged to help reduce the gap between rich and poor? 8. How can the threat of new and reemerging diseases and immune micro-organisms be reduced? 9. How can education make humanity more intelligent, knowledgeable, and wise enough to address its global challenges? 10. How can shared values and new security strategies reduce ethnic conflicts,...
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Do credit cards charge cash advance fees for gambling

By Jim Sheng
My pal said to me that he saw his boss uses credit card to play at the bookies, sometimes he need cash, but don't want to pay cash advance fee to withdraw from a cash machine, he goes to the bookies, and deposits credit to the machine from his credit card, then collects cash from the cashier.  I don't believe this can work out, and wonder if my pal mistakes a debit card for a credit card.

I check online, some say 99 percent credit cards in UK charge cash advance fees for gambling, which include HSBC, but I check the Terms and Conditions, it seems don't treat gambling as cash advance:

b Except for gambling transactions, we will charge a cash fee for Cash Advances. The
amount of the fee is set out at the start of this Agreement.
But many forums and blog articles say HSBC bank do charge cash advance fees for gambling, and without a usual interest free period.


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