HSBC folks are "job creators". Let them rape you, it's best for all of us. 

Roll a die. Note the number and go that many streets west. Now roll for left or right turn, even or odd. Now the last roll is how many houses to pass until your "random" house.

I have a better offer. If you give me your BTC I will prevent the world from ending!
 
Try it, you'll see. The world will go on (as the Maya predicted it would) and I will have your bitcoin.

I hope not. "break- ins for bitcoin"?

Anyone with money in a Dwolla account may want to take it out. If they go down hard and quickly who knows what will happen to the money.

For your own personal policy you may want to consider the nature of the transaction, the amount, and the trustworthiness of the trade partner.  For example, If I were selling sodas for BTC I would not even wait for one confirmation. But if I were buying an airplane I would not sign the contract until I see 6 confirmations.

I don't think your dumb. You are asking the right questions. A dumb person would have sent the guy bitcoins. As far as use of BTC... That info is free for anyone willing to search around these forums.

Since everyone else has slapped you for not reading, I won't.

Here are some other things new peers should know.

1. Don't ask for a loan. Earn some fiat money and buy some BTC.

2. Don't buy into any "investments" that you do not fully understand. You can do anything with BTC that you can do with $ . But that does not mean it is a good investment, or that it is not a scam.

3. Be courteous. You probably already know this one, It works in real life also.

Cheers, and welcome fellow bitcoin peer 

lol, muppet. ?
I think I like that. 
We are in agreement. I believe that the OP heard something strange, and that unidentified objects are seen in the sky frequently. But zero evidence suggests that these objects are spacecraft.
This idea of aliens coincides with the rise of science. Prior to that an unknown flying object would be thought to be a God driving a burning chariot on his weekly hunt. Since weekly hunts, chariots, and even most Gods are gone. Well, this is how mythology works to update itself.

Because this graphic shows a BTC symbol on a guy's right hand?

There, I have saved the world from the beast.

Then bring me a piece of a spacecraft, an alien tissue sample, or something other than "a guy saw something in the sky". Bring me anything that shows non-Earth based life or a clearly manufactured piece made from unknown material, and I will happily give all my bitcoins to you.

I want to believe, but believe what? There is no evidence.

That's BS Lurk. I don't know how it's set up, but could you just refuse to pay? Let's see what a judge thinks about their contract.

George Orwell just rolled over in his grave.

I got all excited about it once and bought a detector. What I discovered was that every square foot of the Earth's surface has a piece of metal under it. lol I never found much. some change, old hot wheels, junk jewelery.  Stuff like that.
I did get some great advice however. One thing I remember was to go to the oldest tree in your town, maybe at a park or old estate, and check under it. Before air conditioning people would go to the parks and sit under a tree to do their chores. The stuff they dropped is still there. Of course you need to check to make sure you are allowed to search an area.
But basically you are going to find a lot of those old beer can pop tops.  

Hey seal, look at our respective responses. One day apart and it looks like they have softened their stance. Or is it my wishful thinking?

Any way you guys can get a valid security certificate? The untrusted connection error is going to hurt your business.

MOTHER (bleep bleep)! This is big. Federally insured bitcoins! This will allow more risk averse users wade into bitcoin.
 I think i already know, but can a US citizen set up an account at this bank? What if I did it while I was in Europe? I have set up foreign accounts before so that I have local currency.  Why not BTC ?

That is an awesome idea.  Of course the free steaks and booze is hard to beat.
I get to Vancouver once a year or so. I will be sure to check if there is a meet-up next time i visit.

Me 2. I have learned a lot about money here.

I vote for a full client. There are some real advantages to online wallets.  But for any large amount, you can mitigate risk by keeping them safe yourself.  Personally, I use a mix of wallets. My bit-wealth is stored offline. I keep a full client running to support the network and buy stuff with a few BTC. Then I keep some in an online wallet at an exchange.
With these together I can use my coins just about anywhere in the world.