If I had spent a year preparing for this sabbatical (and I almost did), I still could not have gotten things set up correctly. My wife, Suzy, and I each had visas valid for two years. So, I thought, our residency issues were resolved.
Finding a place to live in Accra was going to require some investment of time there, because we could not commit to living for a year in a place we had never seen. I had arranged through the internet to occupy a furnished one bedroom house for the first 10 days at a vacationer’s rate of ~$50 per night. We picked the place because it advertised access to the internet, something I felt that I would need, both to start my work and to manage our financial affairs. Ten days, I thought, would be enough to see some properties in Accra and to find a furnished place to move into. In addition, my Ghanaian-American colleague in Ann Arbor, Dr. GK, kindly arranged for a man to help us look for appropriate places to live.
Then, there was the issue of access to money. Before leaving Michigan, Suzy arranged for us to access our US bank account on-line. And for selected purchases, we had a Visa credit card, which is widely accepted here. Suzy called Visa to advise them that we would be in Ghana and possible make credit charges from there. However, to pay rent and utilities, obtain cash for routine purchases, and pay for a car and petrol, we assumed that we would need a local bank account. We knew that checks drawn on American banks, even cashiers’ checks, take a minimum of three weeks to clear in foreign banks. Since I was leery about the prospect of walking around town with thousands of dollars in my pocket, we came up with a simple, logical plan to circumvent the check-clearing delay. My invaluable colleague, Dr. GK, kindly served as a conduit for us to transfer funds to a Ghanaian bank so that we could open an account of our own at his bank. We wired $10,000 from our US dollar account to his Ghana cedi account at the Pan-African Ecobank in Accra. This amounted to about 10,100 Ghana cedis when converted to Ghanaian currency, and this was the amount of his personal check, which we carried with us to the bank the day after our arrival. We were assured that the wire transfer would go through the following day. In addition to the check, Dr. GK gave us a letter of introduction to the bank and made a personal call to his contact at Ecobank, Ms. OE, to let her know in advance that the check we would be presenting would be valid to draw out the transferred funds. It was a brilliant plan.
We also knew that transportation would be a problem, so we arranged to lease a car from the same provider that Dr. GK uses when he is in Accra. In addition, because of the peculiarities of driving in this country, we were advised to have a driver at a small additional cost. GK knew someone in Ghana that he trusted to drive for us. Kwame A. is a farmer from a village near Cape Coast who had driven a “tro-tro” in the past (N.B. a tro-tro is a private minivan that serves as public transportation all over Ghana). According to the plan, Kwame was to stay at the home of a friend of Dr. GK in Accra and to meet us each morning with the leased car to do whatever business that needed doing. If this arrangement worked out, and we eventually found a place to live, he would continue to drive and to do other errands for us in return for room, board, and a modest salary.
So, everything seemed to be in place when we left Ann Arbor. Getting settled would require some effort, but this would be an adventure that we would enjoy. Perhaps, in retrospect, the experiences we had were exactly that. Only more so. They were certainly enlightening, but there was non-stop anxiety on nearly all fronts. So, here is how things actually transpired. . .
Adventures with Immigration
At the airport, our passport was stamped for a stay of 2 months only. We were informed that we would have to stop by the Ghana Immigration Service in downtown Accra to have it extended for the full length of the sabbatical. But — no problem – we had two months during which to extend the visa. Anticipating that something so simple could not possibly be so simple, we went to Immigration on our first day in Accra. It turned out that we each had to fill out a one page form, obtain a letter of invitation from our sponsoring institution, and bring two passport size photos. We filled out the form, went to Osu to have while-you-wait passport pictures taken, and we managed to get a letter from the administrator at the Ghana College, Mr. A, explaining my purpose in the country. We brought all of this back to immigration on the Monday after the weekend to find that the rules for expatriate residencies had changed. Because we were staying for a year, and in spite of the fact that I was to draw no salary here, we were required to have a work permit. According to the new rules, the sponsoring institution was required to apply on our behalf, a new letter was required, and we were asked to supply a police report from the U.S. certifying that we were not Bonnie and Clyde.
So, who do you call for a police report? I didn’t expect the FBI to be too responsive to our request. And we live outside the Ann Arbor city limits, so the Ann Arbor Police were not likely to be interested either. Eventually, I had my older son contact the Washtenaw County Sheriff’s Department, and to my surprise, they did not find the request particularly unusual. However, they had their requirements. They wanted a letter explaining what we wanted, the reason for the request, an address to send the police report, and a money order for $24. The letter had to be accompanied by copies of photo identification, and everything had to be notarized. I typed and printed a letter explaining our situation (by the time this was happening we were in Kumasi), made copies of our passport identification pages, and took everything to a lawyer in Kumasi to be notarized.
The law office that we were referred to was a second story affair in the center of the downtown Kumasi commercial district, accessible from the stairs behind the street level shop. The reception area was sparse on the furniture and décor line, and the entire support staff seemed to be asleep with their eyes open. The young secretary regained consciousness long enough to call her boss to inform him of the presence of foreign walk-ins. I noted that she addressed him on the phone as “lawyer” as one would address an American physician as “doctor.” “Lawyer,” we were told, was presently at the courthouse, but he would be back in the office momentarily. I took out my laptop and got some work done during the 15 minutes or so that we waited.
When he finally arrived, the lawyer was a charming and jolly gentleman of 77 years, still in active practice. His demeanor was remarkably pleasant and inviting. Clearly, he was more interested in learning who we were and how we got there than in our problem per se. He wore a dark suit and dark tie with subtle food stains on it. Had I not been told that he had come from the courthouse, I would have assumed that he had just attended a funeral with a buffet. His bookshelf contained dusty law books that have likely appreciated in value now that they are rare. The wall behind his desk displayed the usual array of documents and a photograph of a young black man in barrister’s robes (wig included) that turned out to be Lawyer himself some 50 years earlier after obtaining his degree at the University of London (UK). Since Suzy and I had lived in London for 6 months in 1980, we were able to reminisce about the city when it was not so expensive a place to be. (As the reader will later learn, we were finding Ghana to be a much more expensive proposition than London in the 1980s). Lawyer went about the business of notarizing the documents automatically while covering a number of other, unrelated topics of conversation with us. When all was properly sealed, he sent us off with a warm handshake that communicated, “thanks for breaking up the routine” and “don’t worry, it’ll all work out.”
The following week, we entrusted the notarized documents in an envelope addressed to the Washtenaw County Sheriff’s Department to two members of the University of Utah School of Social Work. These lovely ladies, whom we met at the campus guest house where we stayed, agreed to carry the letter to the U.S. for us and mail it on arrival in New York City. A $24 dollar money order was unobtainable here, even at a Western Union office. So, we are depending on our Ute friends to mail the letter and on our children to deliver $24 to the Sheriff when the letter arrives. If all of this actually happens, and the police report on our good behavior is generated, we have asked that it be sent to our home address so that our children can fax and mail it to the Ghana College of Physicians & Surgeons. We will then go back to Immigration in Accra with the fax and the revised letter from the College. And who knows if this will be acceptable?
Spintex Road to Nowhere
The night that we arrived at the Accra airport, we were greeted by 5000 waving taxi drivers and Kwame A. sporting a sign with our name on it. This part of the Plan worked well, and only 2 hours later, we were 10 km from the airport where our short-term rental house was located. The rental house was on Spintex Road, a two-lane thoroughfare that we would later learn is notorious for its traffic congestion. As it was originally plotted, Spintex Road probably made sense. It connected the north airport area, starting at the Accra Mall to the southern beach neighborhoods. The problem with Spintex Road is that it exists in a one-dimensional universe. Once you are on it you can go forward for about 20 km or backward, but you cannot go anywhere else. Development has created commercial businesses, industries, and both high- and low-end neighborhoods on both sides of the road, but for a stretch of ~20 km, any turn you take off Spintex Road eventually ends in a cul-de-sac. The logo of the Accra Mall, a serious nidus of gridlock, should have been a warning to me. It consists of a circle with curved arrows from four directions pointing inward (but no arrows pointing out). And that was the essence of Spintex Road. You can sometimes enter it, but when you do, don’t expect to be able to get out.
This eventually created a problem for Kwame, our driver, who was expected to stay the night at the home of Dr. GK’s friend. Unfortunately, the friend’s house was on the other side of the city, and it took hours and liters of petrol to make the trip back and forth each night. Imagine that we were staying in, say, Bridgeport, Connecticut, and Kwame was making a round trip every night to Newark, N.J. for his accomodations. When we added up the damages incurred in time and petrol by this nightly foray, it seemed most practical to find a place for Kwame to stay near us on Spintex Road and to give him food money.
The rental house that we stayed in was pleasant enough (see photos). It was located a few hundred yards down one of the many dirt roads that lead off Spintex, to nowhere — a road on which goats and people are second-class citizens to the automobile elite going in and out of the cul-de-sac neighborhood. The side road features bilateral open drainage culverts, an outdoor market consisting of wooden stalls that never seemed to be fully occupied, night clubs, bars, and chop bars extending streetward from the modest houses of the proprietors, and the occasional, metal cargo container converted into a personal storage facility cum domicile. The house we rented was on a side road from the side road and part of a walled mini-cluster of three houses, one of a few in the neighborhood that constitutes the top end of the socioeconomic scale there. However, our particular house was more the equivalent of the servant’s quarters to the two enormous villas in the same walled-in property. One house on the property was occupied by a Ghanaian-Canadian couple on vacation; the other by a Nigerian businesswoman, her children, and their governess. We did not actually meet either of these families, but we did discover that they had internet service, while we never did. Apparently, in response to our rental request from the US, the owner of the villas (a Ghanaian living in England) ordered an internet connection for the one-bedroom house from Ghana Telecom and charged us $4 (US) per day in advance for it. Instead of an internet connection (and hot water), we had an amazingly complicated array of electronic audio and video equipment and 24-hour satellite TV, none of which I really needed (see photo below). The hot water would have been nice also, but the Wall of Sound was completely unnecessary, since there were local bars and nightclubs blaring music from several directions all night and a functioning sawmill over the concrete wall behind us with the rotary saws buzzing continuously during the daylight hours Monday through Saturday. One could not feel lonely in this neighborhood.
The local staff at this vacation villa complex (the gatemen, the driver, the maid) were really the best thing about the place. Several of them consulted me about medical matters when they learned that I was a physician. One had some form of soft tissue rheumatism that responded promptly to some of Suzy’s ibuprofen; another had some diarrhea, terrible GERD, post-prandial fullness, and upper abdominal bloating following an extended stay in the Ivory Coast. He needed antacids and serious consideration for giardiasis to address potentially reversible causes. In the US, this man would get esophagogastroduodenoscopy. But I knew that this would not happen here, because a colleague of mine from the US is currently helping Ghanaian internists at the University to establish a training program and competency assessment for endoscopists in Accra. I dearly hope that Oliver does not have something obstructive that would be very difficult to address here.
The difficult part about staying in this area was, as I have already mentioned, getting in and out. Unless properly timed, living on Spintex Road and working in central Accra required 3-4 hours of sitting in traffic, inhaling non-catalytically-converted truck fumes every day. If I left the house at 10:00am in the morning and left central Accra after 8pm every night, I could reduce the total commute to 1-2 hours. So, I was not pleased when the fine young man who wanted to find us rental properties restricted his search to the area around Spintex Road. He also had a seriously distorted view of who we were and what we were looking for. The first place he took us to was a brand new “hotel” in neighborhood with houses that would be hard to top on square-footage in any Ann Arbor neighborhood. The hotel had a full staff, but no guests. All of the floors were marble. Every inch of the two-story atrium walls was covered with artwork; some very expensive, some kitsch. The rooms were on the second floor accessible by either of at least two (and I think more) spiral staircases with marble steps. The furniture was all heavy mahagony and overstuffed, leather-upholstery. My overall impression of the place was that it needed a Dubai oil executive to live there to finish the picture. They wanted $1400 (US) a month for us to occupy two rooms, with a year’s rent in advance. Who does this??!
The mini-shopping mall down the road was also an awakening. Well-manicured, uniformed sales personnel were happy to show us the finest cell phones from a display case that looked like it might have once held the Hope Diamond. A few short steps across the corridor brought us to a convenience grocery store that featured the same items one would find at a 7-11 in the US, only three times the price. We bought a small can of tuna, pita bread, a clutch of green onions (grown locally), and a couple of packages of instant ramen for about $20. A conversation with our host-guide stressing our interest in trying to live in the local economy and within modest means, he subsequently invited us to look at other houses off Spintex Road. We fired him gently but firmly. A subsequent, brief conversation with the U.S. Peace Corps Director about local housing and landlord’s routine demands for literally years of rent in advance convinced me that Suzy and I would probably not be able to afford to live in Accra. We were planning a trip to Kumasi anyway. We would look there. Supposedly, Kumasi was not yet in the overinflated real estate cycle.
It’s Like Money in the Bank (or a facsimile thereof)
Our first night in Ghana, Suzy and I took advantage of the Novotel in Central Accra to eat dinner and use the wireless internet there. One of the restaurant supervisors at the Novotel, Ms. A, is the same close friend of Dr. GK that was initially housing Kwame, our driver, and she had been very welcoming and helpful to us early in our stay. We count Ms. A. among the Ghanaians who have helped us and to whom we are indebted. She was delighted to see us there for dinner, and afterwards, accepted our Visa card for payment. Unfortunately, the Visa card charge was not approved. We paid cash instead, and I immediately called the toll-free number to find out what was going on. Apparently, our pre-travel advisory to the card company was not enough, and they were still blocking payment from Africa. Fine. That was corrected – until a few days later when we again tried to use the card at the same hotel restaurant. Another phone call to Visa revealed that our card account was deactivated, and we were being sent new cards to our home and a fraud report to fill out. Apparently, between the first and second charge that we attempted, there was another charge (of only about $3) that we did not make to a company that was known to Visa as a “fradulent enterprise.” So, after one exposure of our Visa card, we were already experiencing attempted identity theft. Well, no matter. We had our plan to open a bank account with a check drawn on the same bank.
I had known that African banks tend to follow the British and French formalities. They are oriented toward the customer’s money, but not toward the customers. Almost any transaction that involves interaction with a bank employee rather than an ATM is going to take time. Knowing this, Suzy and I were pleasantly surprised when we were able to open a new account, order checks, and order an ATM card all within about an hour. Everything worked as planned. The account was opened on a Friday, and we were assured that the large check we were carrying would be credited to the account on Monday.
When Wednesday rolled around and the account was still not credited, we went back to the bank to make an inquiry. Ms. OE attended to the problem and was able to locate our 10,000 cedi check. Why was it still uncashed and not credited to our account? Apparently, on the basis of insufficient funds in the account from which it was drawn. When we found a place to connect to the internet, we tried logging onto our US bank account information, but access was denied with the correct username and password. Why? When we called, we learned that our bank would not accept log-ins from Ghana because of fears about fraudulent on-line transactions from here. So now, my paranoia was reaching climax. What had happened? Did someone intercept the wire transfer and divert it elsewhere? Was the Visa interloper on our identity trail? Did Dr. GK, who is one of the most honest and upright people I have ever met, decide to begin a new life of crime and take off to Mexico with our money? All sorts of crazy scenarios were caroming around in my head. All except for the correct one. Which was that our trusted bank in Ann Arbor had failed to wire the money.
Dr. GK solved this one, and he persuaded the bank to execute the electronic transaction. Needless to say, I was relieved when the transfer finally arrived the following day (more than a week late). And I felt chastised having thought first that the fault was with Ecobank when it was TCF trying to protect our funds that caused the problem. Another case of “it’s nobody’s fault, it’s just the way it is.”
In the next installment to this blog, I will describe our experiences in Kumasi, and give an account of our “settling-in” here (“With Six, You Get Egg Roll”).