"Velocity of Money" From Virginia Gentleman

Re-posted for our newest readers……

From Virginia Gentleman   VELOCITY OF MONEY

I know I don't have to state the obvious...GO HAVE FUN WITH SOME OF YOUR NEW FOUND WEALTH. However, I would like to pass on some words of wisdom.

As we get ready to punch it in, please remember to act like you've been in the End Zone before. Take a deep breath and exhale slowly as you collect yourself with the full intentions of acting with class and integrity.

Respectful treatment of others will be an inherent responsibility of your new status, as well as respectful treatment of your money and assets. You owe this to yourself, your family, your neighbors, and your heirs.

Don't hoard it, and on the other hand, don't waste it or give it all away. Save, invest, and spend wisely.

One of the single best things you can do with a small portion, and in effect a very small portion, is to be more generous over at least the next 18-24 months (or the longer) spending your money locally. What do I mean? The answer is the ‘VELOCITY OF MONEY’.

The Velocity of Money is a fairly simple financial concept where a ‘community’ can be positively impacted by the way a group of individuals increase the spending of their money in their economy, and in turn, the ripple effect of that spending as it accelerates throughout that same economy.

It can be local, regional, national, and even global. Velocity of money is most effective in a smaller market with the smaller more predictive population of a local economy, and it isn’t just effective, it is fun for the people spending their increased earnings, or in this case, significant returns on an investment. Yep, that is you!
 
Anyone who has ever lived in a small town or Suburban area where a new large company has come in and opened a large facility and hired a large amount of employees has witnessed this phenomenon.

Money gets pumped in and spending from increased disposable income begins to spread out through the entire community finding its way into the wallets of all the inhabitants.

The goal is to spend your money at local establishments on services, appliances, home improvements, food, entertainment, and such.

More precisely on things like tipping an extra 5-15 percent, using a valet to park at the local steakhouse (tipping extra), go hear a local band (put money in the tip jar), buy cheese or pork or beef at a farmers market instead of 2 month old shrink wrapped processed cheese from a Big Box store or grocer, get an extra manicure or haircut (tipping extra!), get your car repaired at the mechanic down that side road instead of Walmart or the Dealer.

Buy those nicer hiking boots ‘Made In America’, get your computer cleaned up by that geek in the shop she set up in the old 7-11 building, buy your lumber from the local milled lumber supplier not the National Chain hardware store, deal with a local community bank or credit union with a substantial portion of your money… you get it now right.

Think about it. You may be spending either the same amount or perhaps an extra 10-20%, and you’re getting the same things… OFTEN WITH THE BONUS OF MUCH HIGHER QUALITY PRODUCTS WHILE GETTING TO KNOW YOUR NEIGHBORS ON MAIN STREET!!!
 
I personally look forward to trying some of the world’s best Craft Breweries in Richmond (tipping generously) and touring some of Virginia’s wineries (tipping generously)… jealous of you Kentucky folks that can tour the best ‘Bourbon’ distilleries on the planet, or you ‘Whiskey’ lovers in Tennessee just outside of Fayetteville down the Admiral Frank B Kelso highway or those in Nashville who can wander in a restaurant and catch a ‘local’ band like Kenny Chesney, lol. Believe it!
 
By doing this the dominoes of positive change begin to fall within your local community. The ripple effect is that the waiters, mechanics, manicurists, hairstylists, valet, carpenter, plumber, artisan cheesemaker, farmer, and others in your community begin to make more money.

And what do they do? They go out and spend more, tip more, consume more. Your local tax authority makes more sales tax revenue and spends it on improvements.

I’m in America, but the Velocity of Money is true in Canada, Great Britain, Iraq, Vietnam, or anywhere. And guess what? Since this is fun stuff you’ll be doing while spending your hard earned money, you will also be wearing a BIG smile.

There is nothing more infectious and quick to spread goodwill than passing on your smile accompanied by kind words. So be wise with your prosperity and have some fun …LOCALLY.
 
The fruit you bear will fall from your tree and spread its seeds…

Live and grow in the nine fruits of the Spirit and you will sow the nine fruits…

Love, Joy, Peace, Patience, Kindness, Goodness, Gentleness, Faithfulness, and Self-Control.
 
Take care –Virginia Gentleman

Fleming Exchange Appointment Instructions -Reposted

From Recaps Archives

Note: All intel should be considered as "Rumors" until we are making exchange appointments...and “Rates and Dates and exchange instructions ” could change anytime until we get to the banks/redemption centers.

Fleming : Cheat Sheet for Appointment with Supplemental Information( 5.21.2021)

The information in this document is based on the most recent information available. It is not intended to be the authority on the GCR/RV or appointment process. It is expected that there may be changes once final instructions are received. This information is based on exchanges/ redemptions done in the USA. Each country will have its own process and information should be available for all once notifications have been issued.

The redemption/exchange process is streamlined and will be easy and straightforward. The appointment will only be about 15-20 minutes. You will be in and out quickly.

The current understanding (and subject to change) is there will be a “Safe Web Link” or 800# sent to those who purchased currency/bonds online with a registered dealer. This would include: Banks, Travelex, Great American Coin or with the aggregating sites (example: Dinar Recaps, Dinar Chronicles et al). Currently there are approximately 2 million email addresses.

Emails should be coming from Wells Fargo, HSBC, Chase, Bank of America and possibly Fifth Third.

If you do not receive an email, the information will be posted on aggregating sites and/or with those who provide RV Intel.

If you receive an email directly, you may forward it to anyone you gifted currency and/or bonds.

If you received as a gift, you may get the email forwarded to you.

Follow the instructions provided in the email.

You may be asked to verify who you are by answering questions based on publicly available information. This process is similar to when you apply online to open a bank account or a loan.

You may be required to electronically sign an NDA (Non-Disclosure Agreement). Read carefully so you understand what you are agreeing to. The NDA is to protect you. Print a copy for your records and for future reference. At the appointment, you will be signing a paper copy of the NDA.

You may be given an 800# or a unique 800# to schedule an appointment. The number may be to a specific location or you will be giving your Zip Code, to be directed to the closest location.

When you call you may be asked if you have Zim, Currency or both. This is because not all locations will be able to redeem Zim. NEVER say how much you have, and they cannot legally ask.

Remember that bonds (Zim) is redeemed, and Currency is exchanged.

You are free to redeem anywhere inside the United States. You are not required to exchange in your home state. It is recommended that if you live in a small town, that you go far enough from home, so you are not recognized. This is for your safety. There are no restrictions if you want to go to another state. You cannot go to another country to exchange. If you are a US citizen living abroad, check with place of exchange on what options you have available to you.

What to bring to appointment:

1. 2 picture IDs – driver’s license, passport, government ID or anything with your picture

2. 2 recent utility bill statements – this verifies your address

3. If homeless or no permanent address explain this at appointment.

4. Social Security card and/or Birth certificate. These may not be necessary, but bring especially if you have no picture ID.

5. If you have a bank account with a Tier 1 bank (HSBC, Chase, WF, Bank of America) bring your account number and routing number (a blank check will have that info.).

6. If you have a trust, bring the cover and indemnification pages (notarized pages). You may bring the entire trust, but they should only need copies of those pages.

7. Currencies/Bonds – Separate by country and denomination, large to small, facing in same direction. Place each currency into a small plastic bag.

8. If you have a lot of currency, recommend you create a tally sheet of how much of each currency/bond you have.

On day of appointment dress professionally. Do not dress to a point that you are uncomfortable.

Allow yourself plenty of time. Know where you are going and where to park if in a large city/urban area. Do not use Uber or Lyft type services. You might consider hiring a professional security company for transportation if safety is a concern.

Do not share with anyone purpose of your appointment or what you are doing.

Make a list of anything that you need in the first 10 days. Do you have any emergency needs like housing or medical, etc.

If you are redeeming Zim, make a 3-6-month budget. Budget does not include existing debt. Zim proceeds will be placed into a structured payout. Structured payouts take approximately 3 months to set up. By having a budget, you can have funds available for living expenses during that 90-day window.

It is expected that close of appointment that you will receive a debit card with 1-2% of Zim proceeds. Unless you have a large amount of currency you should have access to those funds the same day or within 24-36 hours. Large currency holders may have to put a portion of their funds into a structured payout.

Rates on currencies are based on Street rate, International and Contract rate. Not all currencies have a Contract rate. You can ask if there is one. You will want to know if there are conditions for receiving the contract rate and what they are. *See supplemental information for definitions.

The Redemption Centers will have a default package. This package includes rates, fees, services and benefits/perks. The default rate will be the International rate. If this is agreeable, you simply will follow through on signing all documents.

Leave with copies of all signed documents and any business cards.

Banks are reporting that there will not be time to create a skeleton trust at appointment. If possible, set up appointment for immediately after exchange to meet with a trust attorney or Trust Co. representative to have a trust created. Be prepared to have a unique trust name picked out. Also, who your beneficiaries will be and a successor trustee (person who will take over for you should you not be able to manage duties). Trust name should not be something associated with you directly.

When you get to the actual exchange process:

1. They will run your currency/bonds through the DE LaRue machine. This machine counts and verifies the authenticity of your currency.

2. If you do not like what is being offered, you can ask if any portion is negotiable.

3. You may be asked what you plan to do with funds. If you are redeeming Zim, the expectation is that you would do humanitarian projects, but is not required. At end of this document is a list of projects that you can choose from to support if you wish. (No longer 80/20 requirement on the Zim)

4. Historically, they have been looking for the following things in projects:
   i. Projects are global in nature – start local and grow outward
   ii. Job creation
   iii. Duration – multigenerational
   iv. Improves economy and helps businesses impacted by Covid

The best way to talk about your projects is to explain a problem and then how you want to fix it. Example: Homelessness – want to build safe affordable housing.

Your project should be typed up in a 1-3-page format with bullet points. This just makes it easy for them to read. Attached at end of this document is a cover sheet for your project. A copy of your project write up will be left at Redemption Center.

If you do not like the default package (rates, fees, services and perks) you may be able to request to talk to someone about what you plan to do and why you need something different than being offered. You may be given a Safe Keeping Receipt (SKR). This is where your currency/Bonds are recorded, and you are given the SKR. You will then work with a Trust company and/ or Wealth Manager to assist with negotiations and preparing the needed information.

Discuss what fees they are charging for exchange. It may be that the fees have been calculated in the rates. It is ok to ask if you can negotiate fees. In many cases, you may be further ahead to just pay the fees. This is something you can ask about. The same is true for services and perks.

If all is agreeable, sign and get copies. Remember that any agreements can be rescinded within 72 hours/3 days by law. You may ask if that time can be extended to allow you time to meet with professionals and to come back and renegotiate in your best interests.

You will open a new bank account for each currency and/or bond you are redeeming/ exchanging. These accounts will be under trust account name if you have one.

Each person will be given a US Treasury Account and be in the QFS.

You can take your spouse to appointment or not. You do not want to take anyone who is not familiar with this process as they may end up slowing everything down with too many questions.

Below are some questions to ask and some may not be necessary under the new Banking System.

a. Do the funds from each currency/bond need to be in separate accounts?
b. What about fund protection: Does FDIC still apply, or do I need a Lloyds or Cdars Insurance for amounts over $250,000? Is this something they can assist with?
c. I have been told that these transactions are non-taxable, if not, should that not be true, will you provide in writing that I will have access to the funds to pay taxes.

Ask for a full explanation of what the CAP’s and restrictions are and how they work. How are they scaled and what are the benchmarks for restrictions to be removed?

Read everything they give you including the NDA. If you do not understand, ask until you do. OR if you feel you need help, ask if there is an attorney available who can help.

Be respectful – they are not trying to trick you or deceive you.

Discuss Bank Perks – on the private banking side there are perks that you can request. Understand that you will be paying for them. They typically are tiered – so the more AUM (assets under management) you have, the more options you have.

Let them know you are aware that there will be a number of essential tasks to be addressed in the next 10-15 days. Tell them you will be needing help in setting appointments and managing those tasks. Ask if they can provide you with someone who can help.

Below is a list of possible tasks and list of professionals for short term and long term.

a. Establish primary irrevocable trust and any additional trusts or structures. Basic trust components may include:
i. Complex
ii. Non-grantor
iii. Discretionary
iv. Spendthrift
v. Asset protection
b. Meet with Security and Risk management team
c. Wealth Management Team
d. Attorneys and CPAs
e. Establishing short- and long-term priorities
f. Education for self and family – ask what time frame is for completion

There will be a number of decisions that will need to be made post-exchange appointment including meeting with or hiring professionals to assist you. The list below is intended only as a guide.

a. Accounting / Tax
b. Acquisitions
c. Administrative Assistant
d. Art/Advisory Collection
e. Asset Management
f. Aviation Safety Training
g. Brand Identity / Web Design
h. Charity / Philanthropy
i. Compliance / Oversight
j. Concierge
k. Consultancy
l. Precious Metals
m. Digital Privacy / Cyber Security
n. Education Consultancy / Private Tutor
o. Employee Screening
p. Hiring Advisors / Human Res. Search Team
q. Events/ Lifestyle Management
r. Family Office / Software Solutions
s. Family Video Biographies
t. Genealogy / Family History
u. Governance Specialists
v. Home Entertaining / Party Service
w. Ind. Wealth Mgmnt
x. Insurance
y. Interior Design/ Consultancy
z. Intern. Foreign Exchange
aa. Legal
bb. Medical / Health
cc. Mobile/ Telecomm
dd. Private Banking Adv/instructor
ee. Multi-Dimensional Governance
ff. Family Office
gg. Public Relations/ Comm
hh. Private Aircraft Mgmt/Charter
ii. Property / Hotel / Comm &Res
jj. Security / Risk Mgmt
kk. Security / Protection Services
ll. Succession Estate Planning
mm. Training / Wealth Transition Adv
nn. Trust/Fiduciary
oo. Venture Capital Investments
pp. VIP Travel

Supplemental Information
Many are new to this and often terms are used incorrectly, switched, or interchanged. It is more important that you understand what terms mean when you get to your appointment.

DEFINITIONS

Tier 1 Bank: Tier 1 banks are those that hold the highest assets. They include: include: HSBC, Wells Fargo, Chase, Bank of America.

Full-Service Banks: Banks that offer a full range of services including a foreign exchange department. Credit Unions are not usually Full-Service.

Types of Rates:

Front screen/Street Rate: This is the rate you see when you look to purchase or sell currency. The buy rate is higher than the sell rate and the bank always includes a fee. The fee includes the bank portion and the UST portion.

International Rate/ Back Screen/ Default: This is the rate that is used for trading. It is higher than the front screen/street rate. Example: Street rate per million Dong: $1180. International rate: $470,000. To receive international/default rated does require that you sign an NDA. This protects you and the bank.

Contract Rate: This is a rate that is agreed to between countries. Any contract rate is a written agreement between two parties. When you hear “contract rates” associated with the RV, it is often being misused.

Unless you have a written agreement with another, you do not have a contract rate.

If you negotiate for something different than the default, then you will be signing a written agreement and that would be your contract rate.

In the context of the US, it has written agreements with other countries, specifically Iraq and Vietnam.

With Iraq, it is sometimes referred to as “contract for oil”. This is an agreement between governments. The US holds Iraqi Dinar and will receive that contract rate.

Not all currencies have contract rates.

Currently, if you hold Zim, contract rates will not be available. This is because you will receive more from the Zim than you will with a contracted currency rate.

NDA – Non-disclosure agreement

The NDA is a written agreement between two parties that specifies what cannot be disclosed or shared. Usually there is a time limit, 90 days +. As relates to the RV, you are agreeing to not discuss what rate you received for your currency and Zim. The RV transaction is a private transaction. The UST does not want you talking to the public about your private transaction.

If you choose not to sign an NDA, you will go with the public (Tier 5) and will receive Street Rate.

Who can participate? Generally speaking, you can participate in the RV if you are not and have not participated in gangs, legalized crime, murder, human trafficking etc. If you are unsure, make appointment and ask when you get there.

RV Tiers:
T1 = Governments
T2 = Military, those who put this together, groups
T3 = Humanitarian Organizations/Groups and SKR groups
T4 = Internet group – those who follow what is going on with the RV
T4A = Individuals with SKRs, now part of T3
T4B – Individuals, Internet Group
T5 = Public

SKR: Stands for Safe Keeping Receipt. This is where someone who is licensed and authorized to be a Paymaster (usually an attorney) represents a group of currency holders (were originally done prior to Zim being in the offering). They sign a contract and agree to a specified rate. There are not and have not been any new SKR groups for several years.

Prosperity Packages: These cover a very wide area. Includes funds from large trusts such as St. Germain, Rodriguez, Heritage and Mitterrand Trusts will be used to assist the Common Man and help with some debt relief.

Adjudicated Packages: These are lawsuits where plaintiffs won the legal cases. The largest are: CMKX, Native American Claims, Farm Claims, and others. You will know if you are already a part of these.

CMKX: A diamond mine that oversold stock with the help of the SEC. They were sued by key stockholders and won – often referred to as an Adjudicated Package.

Farm Claims: Lawsuit that involved farmers who were unfairly taken advantage of by bankers. They sued and won.

Currency Basket: Originally there were a few baskets with different countries’ currencies revaluing approximately six months apart. There are 22 currencies that are scheduled to go initially.

Once all currency are asset backed, that currency will be exchanged at 1:1 and it will not matter if it is a Mexican Peso or a Dinar. The RV is about creating a level playing field. Not all currency rates will rise in value and some will fall.

List of currencies:
• US
• UK
• Kuwait
• Canada
• Mexico
• Russia
• China
• Venezuela
• Iranian Rial
• IRAQ
• Indonesia Rupiah
• Malaysia
• Vietnamese
• Brazil
• Saudi Arabia
• Qatar
• United Arab Emirates
• Turkey
• Afghanistan
• India
• Libya
• Japan

If you do not have a project but wish to help, below is list of 15 categories of projects from which you can choose. Each category is associated with an Executive Order (EO). You can look up the EO to learn what the focus is. This will help if you do not have an existing project.

• Infrastructure – (There are 5 EOs related to infrastructure. One is #13807 8/15/2017 – Review purpose and what is needed)
• Energy
• International and American business
• Security
• Violence and criminals
• American Indians, refuges and pacific islanders
• Housing
• Technology and space
• Agriculture, oceans, water
• Health
• Spiritual
• Terrorists
• Education
• Financial and money
• Veterans

Project Cover Sheet
Name of Project
Name of Submitter
Phone number
Email Address
Date of Submission
Description of the project – give as much detail as possible. (If you have a plan or outline prepared, attach this form to front of that plan).

10 Powerful Quotes That Made Me A Millionaire

From Recaps Archives

10 Powerful Quotes That Made Me A Millionaire
By Dale-Partridge

Make Your Passion Your Profession

With an overwhelming access to knowledge, this generation often finds itself ten feet wide and one inch deep. Knowing a little about everything but never enough about one thing to matter. We have no shortage of words; rather, we have a shortage of the right words.
  
Poetry has been defined as the best words in the best order. But I believe it goes beyond a poem.
 
The right words listed in concert and color can articulate a comprehensive and deep meaning in just a few characters. A meaning that can fasten your fears to the floor and allow you to step into progress.
 
Anchors that keep us straight and hold us tight – almost like an injection of clarity and control for our most uncertain of times.

Ultimately, words are the stones that bridge the gap to our furthest destinations. From incomprehension and overcoming indifference to closing a sale and believing in God.
 
 Words make up how we think, what we know, and who we become.
 
But the right words change your life. They can change your story.
 
Here are the words that have changed mine.
 
1. "Never get too busy making a living that you forget to make a life."
 
Who Said It?: My Grandmother
 
How It Has Helped Me:

Getting lost in something you love often results in getting lost in general. We live in a culture that measures our success by how much money we make rather than the fullness of our lives.
 
Over the 13 years I've spent building businesses, I've learned the months that feel weighted to one side typically follow a season spent living in the absence of this quote.
 
2. "Speak to people how they need to hear it, not how you want to say it."

Who Said It?: My Mentor
 
How It Has Helped Me:

Empathy is a difficult virtue to master. As an entrepreneur, the best marketing is performed by those who can step into the customer's pain. To put words to their emotions and to create products that solve their most trying problems. As leaders, we must not forget that thoughtfulness is the most effective form of communication. 

3. "Your greatest weakness is often the overextension of your greatest strength."
 
Who Said It?: Jason Benham
 
How It Has Helped Me:

I'm a natural teacher. Speaking, selling, and convincing others is almost instinctive to me. But far too many times I've been kicked in the leg by my wife for not shutting my mouth.
 
As I've matured, I'm learning that the overuse of our inherent gifting can backfire. The secret is learning to take it to the very edge, and stop.
 
4. "A designer knows he has achieved perfection not when there is nothing left to add, but when there is nothing left to take away."
 
Who Said It?: Antoine de Saint-Exupery
 
How It Has Helped Me:

A designer is someone who can make something more beautiful than someone else with the same tools at the same cost. Beauty is my secret weapon. But the more I practice design, the more I realize its purpose is not to draw our eyes to many things, but one thing.
 
So whenever I dislike the aesthetics of something I'm working on, whether it's landscaping my backyard or designing a new website, my first step is to take something away.
 
 
5. "The goal of an argument is to win their heart, not just their mind."
 
Who Said It?: Matthew L. Jacobson
 
How It Has Helped Me:

I used to HATE arguments. For a season, I was even passive. But arguments, debate, and marketing are all important pieces of the persuasion family. In my experience, the secret to removing a fear of confrontation is to re-establish your respect for others.
 
It's to realize our thoughts are directly connected to our hearts. Winning an argument and losing their heart is a cause for hurt. But winning both is a cause for respect. Remember, people don't care what you know until they know that you care.
 
6. "It's impossible to be spiritually mature while remaining emotionally immature."
 
Who Said It?: Peter Scazzero
 
How It Has Helped Me:

Nothing is independent. Over the years I've learned my relationship with God can only go as far as my capacity to connect with His people.
 
Too often, I find myself trying to simplify my spirituality to a one-dimensional experience – as if I can compartmentalize my faith absent of others. But I can't. Because maturity in any area requires maturity in all areas.

7. "We change when the pain of staying the same is greater than the pain of changing."
 
Who Said It?: Dr. Henry Cloud
 
How It Has Helped Me:

The old saying, "if there's no pain, there's no gain" reigns true. But in life, pain doesn't always equal bad. I've learned to re-associate pain with growth or new or beginning.
 

It's helped me not to spend my life avoiding pain but instead identifying pain that is good for me. The pain that grows me. The pain that changes me. The pain that forms me into the person I was intended to be.

8. "Who we listen to will determine who we will become

Who Said It?: Unknown
 
How It Has Helped Me:

I don't give my eyes and ears to many. Because my history tells me those I give permission to speak into my life will determine the direction of my actions.
 
It decides the life that I’ll end up creating. It calls for a change in behaviors that will ultimately adjust my current state of existence. Be cautious with whom you lend your ears. If we let the wrong person in, we could find ourselves far from who we want to become.
 
9. "Success occurs when we shift our efforts from making a million dollars to helping a million people."
 
Who Said It?: Dharmesh Shah
 
How It Has Helped Me:

I spent many years trying to make money to make money. It felt hollow and empty. And surprisingly I didn't make much money either. It wasn't until I had a genuine heart for helping others that I saw a significant jump in my income. Success is often counterintuitive.
 
What looks like the answer to many is often the path to mediocrity. Instead, the harder path is typically the right path. The path to a more sincere prosperity.
 
10. "If you don't build your dream, someone will hire you to build theirs."

 Who Said It?: Unknown
 
How It Has Helped Me:

This quote is a bit like of a backhanded encouragement. It's harsh, but it's true. You can either use your resources (time, energy, passion, etc.) to build the life you want or you will be used as a resource to build the life someone else wants. For me, this quote has been the motivation I needed to become a creator instead of a supporter.

https://startupcamp.com/10-powerful-quotes-made-successful/

How To Deal With Sudden Wealth Syndrome and Manage Newfound Riches

From Recaps Archives

How to Deal With Sudden Wealth Syndrome and Manage Newfound Riches

By Amy Livingston

A lot of people have fantasized about suddenly striking it rich. They imagine that a financial windfall – inheriting a fortune from a distant relative, collecting royalties for a best-selling novel, or even winning the lottery – would make all their dreams come true. They picture themselves traveling the world, lounging on beaches, sipping champagne under blue skies while palm trees wave in the breeze.

But when this dream of sudden wealth actually comes true, it often turns into a nightmare. Instead of feeling happy and carefree, people who get rich quickly tend to become stressed and anxious. Their relationships often suffer too, as the money creates distance between them and the people they were once close to.

Sometimes, the newly wealthy try to comfort themselves by going on a wild spending spree. Unfortunately, this often makes matters worse. If the money isn’t as limitless as they thought, their newfound wealth quickly disappears, leading to even more stress.

These problems are so common that psychologists have given them a name: “sudden wealth syndrome.”

Now, maybe you think that if you came into a fortune, you’d be able to avoid these problems – or at least that you’d love the chance to try. But sudden wealth syndrome can happen to anyone, and it’s important to be aware of the problem. That way, if you ever find yourself with a windfall, you’ll know what symptoms to watch out for and how to head them off.

What Sudden Wealth Syndrome Means

Sudden wealth syndrome can damage your life in several different ways. It can lure you into reckless investments or overspending, which can leave you worse off financially than you were before the windfall. It can also cause mental and emotional stress as you struggle to adjust to your new lifestyle. And finally, it can put a strain on your relationships with others – both old and new. 

Effects on Finances

Ironically, gaining too much wealth too quickly can hurt your finances in the long run. People who acquire large sums of money all at once, rather than building it up over time, often lack the skills needed to manage it wisely. They don’t have a good sense of what things really cost or how much they should expect to pay in taxes. They simply assume they can spend as much as they want – and by the time they realize they’re wrong, they’ve often run through most or even all of their new fortune.

This problem shows up with all different kinds of financial windfalls, including:

Lottery Winnings. A famous 2010 study in the Review of Economics and Statistics looked at nearly 35,000 people who won between $50,000 and $150,000 in the Florida lottery. It found that within five years after their wins, more than 1,900 had filed for bankruptcy. This made the bankruptcy rate for lottery winners in Florida nearly twice as high as regular Florida residents.

Inherited Wealth. A 2012 study in the Journal of Family and Economic Issues found that people who inherit large sums in their twenties, thirties, and forties only save about half the money. They either spend the rest or lose it through poor investments.

Short-Term Income. Even people who earn their riches don’t always know how to put them to good use. A 2015 paper in the American Economic Review looked at NFL players drafted in the late 1990s and early 2000s, who earned more in a six-year career than most people do in a lifetime. It found that 15% of them had filed for bankruptcy within 12 years after retirement. Depending on how you measure, that rate is either close to or much higher than the typical bankruptcy rate for men their age – most of whom earn much less.
 
Effects on Emotions

Even when people know how to handle a windfall financially, they can’t always handle it emotionally. Sudden wealth often brings with it a range of new and unpleasant feelings, such as:

Shock. The newly rich have trouble believing the money is really theirs. Sometimes, they’re afraid to tell anyone about their good fortune because they don’t quite believe it.

Guilt. They feel like they don’t truly deserve the money. Often, they notice that others envy their good fortune, and this makes them feel upset and lonely.

Uncertainty. Instead of feeling empowered by their new wealth, they feel paralyzed. They have trouble making even the smallest decisions about what to do with the money.

Anxiety. They fear their newfound wealth will somehow vanish just as suddenly as it appeared. They often develop what therapist Stephen Goldbart calls “ticker shock” – watching the stock market obsessively to make sure their new fortune isn’t losing value.

Goldbart, who often works with the wealthy, says in an interview with WebMD that the newly rich often face an “identity crisis” – especially if they’re still fairly young. Because they no longer need to work for a living, they feel cut off from their peers in the workforce. They aren’t sure how to see themselves as “retired” when their working lives have hardly begun. By contrast, people who strike it rich in their fifties and sixties often handle it better, partly because it’s seen as normal for people to accumulate wealth as they age.

Effects on Relationships

Just as the newly wealthy begin to feel uncertain about themselves, others in their lives often act differently towards them. Close friends and family members often resent their good fortune and treat them with rudeness or disdain, and the newly wealthy feel lonely and isolated as their old friends pull away.

Meanwhile, other people in their lives start acting more friendly and affectionate than before. Instead of easing the loneliness, this show of affection often makes it worse, because they suspect these people are interested in the money and not in them.

They imagine these people are hoping their newly wealthy friend will choose to lend money to family and friends, handing it out to anyone who asks. The newly wealthy tend to pull away from these “friends” as well and feel even more isolated as a result.

In many cases, their own behavior is part of the problem, as well. Their new wealth gives them the freedom to enjoy travel and other luxuries that some friends can’t. If they decide to take off for a week in the Bahamas, most people they know won’t be able to drop everything and tag along – even if their wealthy friend is picking up the tab.

Sometimes, the newly rich try to fill the hole in their lives by forming new friendships with people who share their lifestyle. But even with other wealthy people, it can be difficult to tell if these friendships are genuine or opportunistic.

How to Deal With Sudden Wealth

The above makes it sound like striking it rich could be the worst thing to happen to someone, rather than the best. But it doesn’t have to be. When you are aware of the signs and symptoms of sudden wealth syndrome, you can take steps to protect yourself. You can also learn how to handle your new wealth so it adds to your life, rather than detracts from it.

Protect Your Wealth

The first thing you need to know when you come into a large sum of money is how to protect that money so you don’t lose it all. Here’s what experts recommend:

Keep It Quiet. Financial planner Robert Pagliarini, writing for Forbes, says that when it comes to sudden wealth, “the fewer people who know the better.” By keeping your good fortune a secret, you can avoid the pressure from swarms of people – friends, businesses, and charities – seeking a piece of it. You can also avoid being bombarded with financial advice, which, even if it’s well-intentioned, isn’t necessarily welcome.

Avoid Hasty Decisions. Don’t rush into any decisions about how you’ll spend or invest your new wealth. Avoid making any promises – financial or otherwise – until you know exactly how much you have and how much you can afford to spend.

Financial expert Susan Bradley, author of “Sudden Money: Managing a Financial Windfall,” recommends spending your first few weeks, or even months, as a wealthy person in a “decision-free zone.” This gives you time to process your feelings about your situation before you to decide to act.

Figure Out What You Have. Before you can start putting your money to use, you need to work out how much you really have. This isn’t always obvious at the outset. For instance, as this CNN article explains, a New York City resident who wins a $1.5 billion lottery jackpot and chooses to take the money as a lump sum will actually end up with only $577 million after taxes.

Similarly, if you’ve inherited money, you’ll need to read the exact terms of the will and find out what form the money comes in and what limits there are on how you can use it. So, before you spend a dime, go through all the legal papers tied to your cash windfall, fine print and all. Highlight any terms you don’t understand and look them up, taking care to use only reliable sources.

Set Goals. Once you know how much money you have, start figuring out what you want to do with it. Think about both short-term and long-term goals. You can break these down into four areas: lifestyle, family, future, and charitable donations. This exercise will help you figure out how to spend your windfall wisely.

Hire an Advisor. Once you know what your specific goals are, you can work out how much money you need to put towards each one. This is where a professional advisor can be a big help. A qualified financial advisor can help you figure out how much you can afford to spend each year so your money will last.

They can also steer you towards sensible investments to make the most of your money. To find a financial advisor, start by asking for referrals from friends, family, and professionals you trust, such as a family accountant. Then take the time to vet all the candidates, looking into their background, philosophy, references, and fees. Don’t rush this step; having a financial advisor you can trust is well worth the wait.

Keep Your Guard Up. A financial advisor can also help you in another way: by protecting you from requests for handouts. Refusing to lend money to friends and family can be awkward, but it’s easier when you can say, “I can’t make any loans without checking with my advisor.”

Your advisor can also handle other types of money-seekers, from charities looking for aid to people trying to squeeze money out of you via threats or frivolous lawsuits. You can tell all these people to send their requests to your advisor, which will help shield you from constant pressure.

Control Your Access to the Cash. There’s one more person you need to protect your wealth from: yourself. If you know you won’t be able to resist blowing through your money, then it’s best to stash it away where you can’t get at it easily. For instance, you could use some of the money to buy a house with cash, put some into college savings funds for your kids, and sequester some in retirement funds.

Get Used to Your New Wealth. Finally, take some time to adjust to your new position. Don’t start thinking of yourself as a rich person and spending willy-nilly, or you probably won’t stay rich for long.

Instead, get used to the new income level you’ve worked out with your financial advisor and do some experimenting to see how much it can buy. If you’re really itching to spend some of the money, experts suggest allowing yourself one clearly defined splurge, such as a vacation or a new car.

Enjoy that one luxury and get it out of your system, then settle down and live sensibly on your new income.

Protect Yourself Emotionally

Taking it slow with your newfound wealth can help you financially, as well as emotionally. It lets you process your feelings about your new situation, instead of trying to adjust to a new identity overnight.

The time you spend in the “decision-free zone” will ease you through the shock of suddenly being wealthy. It will allow you to get over your uncertainty and figure out how to invest your money in ways that fit in with your goals and values. This, in turn, will help relieve you of the anxiety about possibly losing your wealth and convince you that you really do deserve to have it.

However, many people need a little more help getting over the emotional stress of going from rags to riches overnight. Bradley says most people dealing with sudden wealth syndrome should consult a therapist. It’s much easier to get through this transition with the help of a professional than to do it all on your own. After all, you can certainly afford it.

Protect Your Relationships

Protecting your new wealth is paramount, but protecting your relationships with others is important too. Experts say one of the biggest mistakes newly wealthy people make is to retreat from the people who were once close to them. Often, they do this because they’ve become insecure and suspicious, fearing that everyone around them is only after their money. Whatever the reason, this behavior only leads to loneliness.

To avoid this problem, experts advise that you make the effort to stay close with your friends. Continue to take part in the same activities you’ve always enjoyed with them, whether that’s a weekly yoga class or a poker night. Holding on to established friendships will help you stay grounded, and having an active social life will cut down on your stress level.

It’s also important to avoid pushing friends away by accident. When you’re suddenly wealthy, it’s easy to get carried away with spending behaviors that your friends can’t easily keep up with. If you suggest replacing that casual poker game with a trip to Monte Carlo, you’ll probably end up leaving your friends behind. So, make a point of remembering their financial limits when you get together.

Finally, remember that while you don’t have to give money to everyone who asks for it, it’s a nice gesture to share the wealth in ways of your choosing.

For instance, flight-attendant-turned-entrepreneur Sandy Stein shares in a BBC interview about how she took one of her best friends from her airline days on a polar bear expedition. Gestures like this – treating your friends to a trip or a social outing – are a way to show your true friends that you still care about them.
 
Final Word

One of the biggest problems for people with sudden wealth syndrome is that they don’t get much sympathy from others. To a person who’s still struggling along on minimum wage, it’s hard to imagine that a neighbor who just won the lottery could actually be having a difficult time dealing with the change. Many newly rich people don’t dare talk to their friends and family about the problem, because they think it makes them seem obnoxious.

If you’ve just come into money, one of the most important things you can do for yourself is to acknowledge that it is stressful, and it’s okay to need help to process it. When you understand that gaining money is a real source of financial stress, it becomes easier to deal with it like you would any other kind of stress.

Talk with friends, get some exercise, and, if necessary, see a therapist – and don’t feel embarrassed about doing so. Being stressed out about a financial gain is no more shameful than being stressed out about a financial hardship.

Do you know anyone who’s suffered from stress due to sudden wealth?

https://www.moneycrashers.com/deal-manage-sudden-wealth-syndrome/

Possible Bank Perks To Ask About At Our Exchange Appointment

From Recaps Archives:  Good to make a copy of….some may or may not appeal to you. or be available.anymore , but doesn’t hurt to ask.

Possible Bank Perks to ask for at your Exchange Appointment .
 
AUM - Assets Under Management

1. No fees ever for foreign currency exchanges

2. Provide a Private Banker/Wealth Manager at the time of exchange to initially park the funds in an non-interest-bearing account overnight and sweep those funds into other non-interest bearing accounts within your bank the following day; until I meet with bank advisers and other financial professionals and make some general guidelines for the management of these funds and the distribution of a portion of these funds through your bank, trust, and LLCs.

3. Family Office Services

4. Perks can be based on AUM (Assets Under Management) in a tier grid

5. Discounts on AUM fees

6. No fees ever - no fee to deposit/wire transfer money

7. No Broker fees ever

8. Free Safe Deposit Box, Certified Checks, Notarized, Courier Services

9. Provide Excess Deposit Insurance (i.e. Lloyds of London and/or Travelers) or Abbott Downing

10. Provide Senior Wealth Managers/Investment Bankers for selection

11. Tax/Business/Estate Attorney & CPA

12. Private transactions representation –assistance in buying a house/car/anything ( my trustee will purchase through my bank) 13.

Free Due Diligence Services provided for outside investment opportunities(research on any person or service) they will get it

14.100% funding availability (immediate Funds) before we leave

15. Unlimited Platinum or Black Visa Signature Debit & Credit Card with no ATM fees

16. Line of Credit available

17. Group Health Insurance - to cover the signers and families of depositors

18. Guarantee 12-15% interest per year on deposits

19. Bank Trading Platforms & Repurchase Agreement Sweep Accounts

20. Short Term/High Yield Interest Rates

21. Assist in opening an offshore bank account with affiliate bank for foreign investments

22. Access to information on great investment opportunities

23. Pre-IPO deals

24. Provide free Executive Privacy Plus subscription with Reputation.com

25. Sports tickets in suites and on the floor (Football, Basketball, Baseball, Boxing, Tennis, Golf, NASCAR & etc.) Also, special events like the Super Bowl, NBA Finals, College Bowls, NCAA Final Four, World Series &the Olympics. Based on AUM in a tier grid

26. Entertainment & Concert tickets in suites and on the floor (Music Concerts, Entertainment Awards Shows, Premier Movie Screenings, TV Show tickets & etc.) Based on AUM in a tier grid

27. Limousine & VIP transportation based on AUM in a tier grid

28. Private Jet Travel (5-25 flight hrs. per mo.) based on AUM in atier grid on flight hours per month

29. First Class seats/commercial airlines based on AUM in a tier grid

30. Private Yacht access/usage (40 hrs. annually) based on AUM in a tier grid on access/usage hours per year

31. Donations to our favorite charities (Banks matching a certain percentage)

32. Prime seats at charity events

33. Suites at Luxury Hotels & VIP Dinners at Restaurants based on AUM

34. Membership fee & Annual fees to Inspirato Core resorts & residences

35. Membership fee & Annual fees to Exclusive Resorts & Residences for 60 days with Priority Holiday Access annually

36. ClubCorp Private Membership based on AUM

37. Spa & Massage Club Membership based on AUM in a tier grid

38. Concierge Services 24/7 based on AUM

39. Provide a free Vertu Ti cell phone & concierge subscription service for  members with $1 million and over AUM

40. Free Family Financial Education provided for group family members

41. Provide any and all other perks that was not mentioned

"When Dogs Can Fly" by Dr. Dinar

From Recap’s Archives

When Dogs Can Fly by Dr. Dinar

Well, they did say it would get crazy at the end.

And if you don't think things are getting crazy, then you're living in an entirely different reality than I am.

Although I will admit it's been crazy for quite some time now.

Like about the last 10 years or so.

At least that's the way it seems anyway.

And we were always hoping it was the end but alas, it wasn't.

Nope, not even close to the end.

For as long as I can recall we've been hearing some of the craziest stuff one can imagine.

But it's not like what we have going on right now.

Especially not on such an all-encompassing global scale.

It's as if the two "Stephens", both King and Spielberg, got together to collaborate on a mind blowing mashup in tribute to Gene Roddenberry.

We often hear the saying "You can't make this shtuff up."

Yet, it's more than obvious they can. And do.

Consistently, on a week to week, month by month, basis.

It seems as if they're never at a loss for crazy.

Back in the day it was all about Iraq and the seating of their government.

That game of musical chairs has gone on for years, one regurgitated article after another.

Occasionally they'd get so ahead of themselves that they'd forget to change the date and once their cover was blown, they'd be forced to create an even bigger lie to outdo their previous ridiculousness, hoping to conceal the unreal.

All the while banking on a serious lack of attention span on the part of your everyday currency holder.

Like a runaway freight train that's lost its Engineer, everyone asleep at the wheel.

They'd simply allow it to run its course until they could imagineer the next latest, greatest delay.

Yet another hitch in a long list of glitches that would once again prevent Iraq from ever reaching a point of posting anything in the Gazette.

Even crazier yet, they've pretty much come full circle with their current cast of characters.

Almost all of these folks currently in the articles are all the same names from the past.

Talk about an unforgettable flashback.

Although back then Sadr was the ultimate bad guy, always threatening to have all of "his" people riot if they didn't get things done ASAP.

By "things" I'm referring to laws passed, Budget revealed, HCL implemented, Article 140, Erbil, Arbil, Gerbil whatevered.

The list goes on, add infinitum.

Then post it in the Gazette, announce it in the Mosques and RV the IQD.

The only thing I see as currently missing is the announcement that Talibani, Barzani, Maliki and Shabibi have been spotted at Baghdad Country Club sneaking out for a quick 18 holes before they release the Budget.

That will be the confirmation, for me at least, that they too have reached an entirely new level of crazium.

So here we are, some 10 years later, not knowing for certain if any of that is, has, or ever will be accomplished.

Likely we never will.

But one thing we do know is none of that matters.

Nope, not a factor in any of this RV/GCR process.

They can and will continue to do whatever they do as they twitter... oops, I mean twittle their thumbs, waiting for the official "GO" signal.

Just like the rest of us, waiting impatiently in the queue.

Matter of fact, I'll bet they're all equally as amazed at just how everything is playing out on a global scale and have plenty of popcorn on hand.

I mean, who could've even begun to imagine all that's currently going on.

We've successfully navigated through a myriad of misconceptions throughout the years but nothing even comes close to what we're dealing with right now.

For those that have only been around for the past 5 or so years, although you might have missed out on most of the Iraq outrageousness that used to serve as our daily dose of crazium, you've managed to get up close and personal with plenty of lunacy.

They've done their very best to not only match but to surpass the previous level of impossibilities.

From Clones wearing gold ties and ankle boots on their feet to security Drones to Aliens conducting NDA... oops, I mean DNA probes while they laser-off our fingerprints.

It's been crazy, personified.

And yet, here we sit, not really remembering any of that.

Things seem to have taken on a surreal feeling.

It's almost like an out of body kinda thing.

It's as if we're watching this whole thing play out but not actually experiencing it for real.

Could that be because I've become so jaded after all these years of nothing coming true.

Or could it be the exact opposite.

Because I'm beginning to see so many of the rumors of our past actually playing out right before my very eyes.

So many things that I just about threw my neck out shaking my head from side to side in sheer disbelief when I first heard them, now coming forth as reality.

I have no problem admitting when I'm wrong.

And lemme tell ya', I've been wrong on more than a few occasions during this seemingly never ending journey.

I've been forced to open my mind to the possibility of their implementing an entirely new banking system.

Which I've always felt was needed but wasn't entirely convinced was possible.

And yet, welcome to the QFS.

Consider me convinced.

Same with the whole "rates" thing as well.

No, I'm not a believer in these so called "Contract" rates being anything us regular folks will ever be near or dear to.

While they might be a reality for the higher-up's, I seriously doubt they will be a factor at our level.

But neither am I a believer in the $0.10 rate that had everyone so excited a mere decade ago.

I guess I'm more middle-of-the-road, believing we'll do very well.

Whatever that means.

Speaking of opening my mind, if you've been around for half a decade or so then you'll surely remember Zap and his Flying Purple Pig "Snuffles".

Part of his weekly updates.

And by "updates", I mean rebuttals as he continually received plenty of flak for his predictions that never materialized.

Welcome Zap, join the crowd.

Up to this point, everybody's been wrong.

It goes without saying Zap's a lively character and I believe he's still out there somewhere.

Through no fault of his own he truly thought he had a handle on how things were going and where we stood in the world's slowest rollout.

Unfortunately he wasn't any closer than anyone else on the GCR Guesstimation Gauge.

Had he been, we'd already be oot 'n aboot, enjoying the "Pay It Forward" lifestyle that we're all looking oh so forward to.

Who knows, with all the other outrageous stuff that's come true after all these years I won't be the least bit surprised to get word of a Flying Purple Pig sighting in the near future.

Even better yet, I'd love to see a Flying Dog or two land on my window sill.

I'll bet they could slide in under the recently imposed travel restrictions.

That could very well be the missing sign we're all so anxiously awaiting.

The tipping point.

The signal telling us we've finally reached the necessary level of crazy.

Crazy enough for them to finally release the RV/GCR.

Buckle up folks because things could get a bit bumpy.

While I don't believe we've actually reached maximum crazium level just yet, one can't help but be extra encouraged by the level of crazy we're now experiencing.

We've got to be getting close.

Please don't bail out now.

You've made it this far, you can make it to the finish line.

Kindly,

Dr. Dinar

Disclaimer; I'm not a Wealth Manager, Financial Advisor, CPA, Tax Attorney, RV/GCR Committee member, nor am I in any way connected to Wall St., the NASDAQ, the Stock Market, day trading, nor am I the owner of a Flying Dog-Bird. I'm simply someone that chooses to believe in the power of positive thinking and on the odd chance this thing truly is real, I want to make sure I'm there at the finish line to enjoy it.

Don't Quit

From Recaps Archives

DON’T QUIT

When things go wrong as they sometimes will,
When the road you’re trudging seems all uphill,
When the funds are low and the debts are high,
And you want to smile, but you have to sigh.
When care is pressing you down a bit-
Rest, if you must, but don’t quit.

Life is queer with its twists and turns,
As every one of us sometimes learns,
And many a fellow turns about
When he might have won had he stuck it out.
Don’t give up though the pace seems slow-
You may succeed with another blow.

Often the goal is nearer than
It seems to a faint and faltering man:
Often the struggler has given up,
When he might have captured the victor’s cup.
And he learned to late when the night came down
How close he was to the golden crown.

Success is failure turned inside out-
The silver tint of the clouds of doubt,
And you never can tell how close you are,
It may be near when it seems afar:
So stick to the fight when you’re hardest hit-
It’s when things seem worst that you must not quit.
Anonymous

“Thanks John for letting Recaps know this post was by Edgar A. Guest, written (with apparently no exact date of publication) in the 1920’s.”

"Blasts From the Past" From Recaps Archives

Blasts From the Past- From Recaps Archives

TNT:  Daz:   ITS EASY TO BELIEVE IN JUST THE FACTS 

I SUSPECT MUCH OF THE STUFF WE HAVE HEARD FROM ALL OVER THE NET OVER THE YEARS CONTAINS AN ELEMENT OF TRUTH..SOME MORE THAN OTHERS OF COURSE.

I DETERMINED LONG AGO THAT THERE HAVE BEEN VERY FEW DELAYS IN THE PROCESS. BUT THERE HAVE BEEN A LOT OF COURSE CORRECTIONS AND FALSE STARTS...AND THE RV WAS EVEN USED AT TIMES AS A TOOL TO PRY OPEN A FAULT OR WEAK SPOT THAT NEEDED REPAIR OR ARREST.

WITH ALL PROCESSES YOU MUST SET GOALS AND THOSE GOALS ARE MARKERS TO MEASURE PROGRESS TOWARDS A FINAL SUCCESSFUL RESOLUTION. SOMETIMES THOSE GOALS ARE HIT...AND SOMETIMES THEY ARE MISSED...BUT EITHER WAY YOU ADAPT, ADJUST AND TRY TO NAVIGATE A NEW OR MORE SUCCESSFUL PATH TO THE END OF IT...ULTIMATELY, IT IS JUST A PROCESS.

I ALWAYS GO BACK TO A SINGLE PIECE OF INFORMATION THAT IN PART, SHOWS CLEARLY A FEW SIMPLE FACTS. AND FOR ME, ITS THE FOUNDATION OF MY CONFIDENCE AND TRUST.

WITH THAT SAID, LETS LOOK AT WHAT WE "KNOW".
__________________________________

IRAQ HAS ALWAYS BEEN A WEALTHY, RICH CULTURE WITH A STRONG HERITAGE AND SIGNIFICANT HISTORY.

IRAQ ALWAYS HAD AMPLE RESOURCES AND A STRONG ECONOMY... IN ITS OWN RIGHT.

THEIR MONEY ALWAYS HAD VALUE, HISTORICALLY AND CONSISTENTLY.

DUE TO PRESSURES TO ENACT A LIBERATION OF IRAQ AND EFFECT A REGIME CHANGE...A COALITION OF NATIONS "TURNED OFF THE MONEY (DINAR)" AS PART OF A WAR EFFORT AND STRATEGIC ASSAULT TO DEBASE THE FINANCES OF REVOLT, RESISTANCE AND INSURGENCY AGAINST THAT CHANGE IN 2004.

THERE WAS, AND STILL IS, A PLAN TO GIVE REBIRTH AND REVITALIZE THAT ECONOMY, INFLUENCE THAT CULTURE AND, EVENTUALLY EMBRACE IRAQ, ITS PEOPLE AND THEIR WEALTH AND TRADE INTO THE GLOBAL ECONOMIC FOLD.

AND, WHEN A SATISFACTORY CONDITION AND ALIGNMENT OF ALL THE VARIOUS INTERESTS AND POWER STRUCTURES INVOLVED HAVE REACHED A POINT OF REASONABLE SATISFACTION THAT THEIR INTERESTS AND GOALS ARE MET...  THEY WILL JUST AS SIMPLY.... "TURN THE MONEY BACK ON".

IT WILL ALL COME TOGETHER WITH A PUBLIC RELEASE AND PERMISSION FOR ALL OF US TO EXCHANGE IN ANY MANNER WE WANT, ALMOST ANYWHERE WE WANT...AND IT WILL BE A SAFE, ORGANIZED, ULTIMATELY FAIR AND REASONABLY SIMPLE BUSINESS TRANSACTION.

HANG IN THERE BUT...KEEP LIVIN'.

WE'RE READY WHEN THEY'RE READY.

************

KTFA: When this happens … Do's and Don't !  by sigshome

Do take time for this to sink in .
Do not be in a hurry or impulsive .
Do pay your taxes and tithes .
Don't tell anyone about your new wealth .
Don't invest with someone before checking them out .
Do seek wise counsel from someone who excels in the area you need advice
Do make a life time budget and stick to it .
Don't think you can do it alone .
Do thank God for his blessing and use it wisely .

85 % of people will lose this money in 3-5 years ...FA:

************

DebTarHeelgirl:  FREE AND CLEAR LETTERS - This is on my list of to do's.
 
When speaking to the wealth manager of your financial institution after the GCR exchange, ask for FREE AND CLEAR LETTERS. They should give you 3 if you ask for them but may charge you for additional ones. 

You should ask for at least 30 and if they charge PAY FOR IT – it’s a legal doc clearing your monies that your deposits and the giftings thereof are clean and not from illegal activities. 
 
Since the Patriot Act was enacted after 9/11, all monies have to be seasoned. That means that Financial Institutions want to be sure that the funds are not coming from terrorists or drug deals. Wells Fargo, upon exchanging your currency will have validated where it came from and that the deposit is legal and legitimate with these Free and Clear Letters. 

When you give funds to ministries and agencies, you want the receiving Financial Institution to know that the gift money you have given to the charity, family or friend has already been "seasoned and is legitimate".
 
Without the FREE AND CLEAR LETTERS, it may take weeks for the recipient to have the funds cleared for use. That would tie up valuable time and resources.
 
This also prevents and protects you from saying WHERE and HOW you obtained your funds... Great protection with this document to not violate any agreements to never share how you obtained your wealth.

All my best-Debbie

The "Hidden Secrets of Money" series by Mike Maloney

Money vs Currency - Hidden Secrets Of Money Episode 1 - Mike Maloney

https://youtu.be/DyV0OfU3-FU?t=1

Seven Stages Of Empire - Hidden Secrets Of Money Episode 2 - Mike Maloney

https://youtu.be/EdSq5H7awi8?t=1

This Timeline Shows The Death Of The US Dollar As World Reserve - Hidden Secrets Of Money Episode 3

https://youtu.be/y-IemeM-Ado?t=1

The Federal Reserve: Biggest Scam In The History Of Mankind - Hidden Secrets of Money Ep 4

https://youtu.be/iFDe5kUUyT0?t=1

Where Does Money Come From? - Hidden Secrets Of Money Ep 5 - Mike Maloney

https://youtu.be/OQWMd_NPSBA?t=1

Top 4 Reasons For Deflation BEFORE Hyperinflation - Hidden Secrets Of Money Episode 6 (Mike Maloney)

https://youtu.be/8GP87dgTqF8?t=1

The Money Illusion - Hidden Secrets Of Money Episode 7 - Mike Maloney

https://youtu.be/P4_1pwsm5LY?t=1

From Bitcoin To Hedera Hashgraph (Documentary) Hidden Secrets Of Money Episode 8

https://youtu.be/SF362xxcfdk?t=1

Fall Of Empires: Rome vs USA (Hidden Secrets Of Money Ep 9)

https://youtu.be/OuOcnGAv4oo?t=1

American Bread & Circus (Hidden Secrets Of Money Ep 10)

https://youtu.be/fiCKf7hfagk?t=1

Dinar Dictionary - Vic ticious post at GET Forum

09/17/2011

For all of us on this journey I have made a dictionary of terms used in the Iraqi Dinar re-evaluation investment/speculation.

Hopium: Preferred drug of the Dinar investor producing feeling of euphoria and a general sense of well being. A typical dose last 2 days at which time a new fix must me acquired or serious withdrawal symptoms occur. Warning withdrawal symptoms can manifest in events called "bashing".

Guru: Dinar drug dealer. A person responsible for distributing the addicting drug called "hopium". The "Guru" delivers the controlled substance simply be writing what's known as a "post". This "post" must contain the term "RV" and "exchange" to give the proper dose of hopium an addict needs.

Intel: Intel is the main ingredient of the drug known as "hopium". It is collected by "Guru's" from "sources". A good example would be: A "source" (cleaning lady at the white house) over hears the president say to a staff member "I can't be late for "Dinar tomorrow" or Michelle will kill me. She is making something special". Since the source clearly hears the words "Dinar" and "tomorrow" clearly she tells the Gurus that the president said the "Dinar" will RV "tomorrow" and hopium is created.

RV: This can be both a time or a place.

1. Time: RV is a time where all is set right in the world. Each country in the world is given a gazziliion dollars (called "global settlement packages") and everyone lives "happily ever after". A time in which there is no evil. All trees bear fruit and the fruits are comprised of gold, silver, and precious gems.

    2. Place: Similar to what takes place after one dies. In some Dinar folklore this place is sometimes referred as "heaven like". Streets of gold, no evil exists here etc...etc. In other Dinar folklore this is a place where god is a pimp and gives all men that are Dinar holders 40 virgins. For non-folklore types this is just a place of peace where one doesn't have to work any longer and can retire and see the world and live in luxury.

Done: Any process that has been started. Example: I am going to wash my car. I have got a bucket and a rag and I am walking towards the car. I am therefore "Done".

98-100%: A mathematical term used in place of the word "done".

LOP: Beware of the LOP. It is the antidote to "hompium".  The most evil of all words. It is said that if you say LOP 3 times in a mirror at night you will turn to stone. Others view the LOP as a mythical creature that will sneak into your home and alter all of your Dinars removing 3 of the zeroes.

Iraqi holiday: An event that happens in Iraq at least every 3 days. The purpose of these holidays are not known at this time (not even by Iraqis).

Historical RV Figures

Shabibi: A god-like figure to Dinarians. He holds the magical keys to the "RV". The all knowing "Shabibi" writes his own posts. These are also called "news articles" He and his friend "Seleh" post these articles every other day about  an event called "the removing the 3 zeroes". He is also at war with the evil wizard called "Maliki".

Maliki: Many consider him the evil wizard that holds back all things that are good.

Allawi: Simply known as the one "left behind". A one time player in the Dinar world this figure has been banished and the evil Maliki will not let him back into the kingdom even though he has promised his people that he would.

"Enough Talk-Let's See Some Action!" by Dr. Dinar

Thank you Dr. Dinar!!!

Enough Talk... Let's See Some Action! by Dr. Dinar

I don't know about you but I'm pretty much done.

To the point where I'm done hearing it's done.

As in everything's done.

Done... duh duh duh DONE!

Like, really done.

Done to the point where there's nothing left to do.

Nothing left to do because it truly is done.

That's definitely closer to my definition of the word done.

Admittedly, I like everything I eat to be well done.

Even to the point of refusing to eat Sushi unless it's well done.

So, perhaps I'm a bit more demanding when it comes to the true definition of the word done.

Nevertheless, it shouldn't be all that difficult to determine the difference between done and close to done but not actually done, therefore it's not done.

First place to start might be with the persistent rumors continually permeating all throughout Dinarland.

Rumors of everything being done.

How long have we been hearing that.

Seems to me, according to my Dinarland calendar, it's been done for at least the last two years.

And yet, here we are.

Not done.

Would we be hearing all these rumors if indeed everything truly were done?

Not likely.

On second thought, we might still be drowning in rumors but chances are they'd have a more post-process, after the GCR kind of feel to them as opposed to the same ol' this is our week or it's gonna pop this Saturday night or we're only expecting to do one more call, our Celebration call kinda rumors.

So please, don't get me wrong.

I'm not expecting Dinarland to go completely rumorless overnight.

i mean, let's not get crazy here.

But wouldn't it be nice to hear a different batch of rumors for a change.

An extremely welcome change to say the least.

Well, I for one would certainly love it anyway.

Even better yet, I'd enjoy seeing that it's done based solely on the number of zero's in my bank account.

That's the kind of proof I'd enjoy seeing.

As it is now I'm still unable to make a trip through the In-N-Out drive thru and order a Double Double with grilled onions, well done, and have any means of paying for it when it's done cookin', all wrapped up and ready for release.

Until that day comes, it's still not done.

And while I'm on the subject of phrases I can hardly wait to never hear again, let's start with it CAN happen today.

Sheesh, give it a rest.

As far as I'm concerned it could've happened any day over the past one thousand days.

Yes, I'm more than aware that they needed to reinvent the current banking system to accept the GCR formula as well as numerous other changes required to release the GCR.

But you get my drift.

Enough with the talk.

I'm ready for some action.

I want to know it WILL happen!

As in today.

Or any other day ending in "y".

Even better yet, I'd love to hear that IT HAS HAPPENED!

As in past tense, check your emails, make your appointment, grab your "To Go" bag and get to the Exchange Center ASAP!

Is that too much to ask.

Just a factual confirmation of completion, in whatever form it comes.

Be it an email, a barrage of posts all throughout Dinarland or a Piper Cub draggin' a giant banner across the sky with a 1-800-CALLNOW number plastered on it.

At this point, I'm not about to be picky.

I'm open to most any form of communication.

Make it a fortune cookie.

Why not a clever saying on a Starbucks cup.

Heck, at this point I'll settle for a homing pigeon with a Post-it note taped to its leg.

What I'm trying to say is I'm flexible.

Whatever it takes, just send me a for real signal of this thing having reached the end of the line.

Of actually reaching a conclusion.

Actually being concluded.

As in DONE.

Talk is cheap.

No more rumors.

We don't need any more stinkin' rumors, regardless of whose super secret source supplies 'em.

We need action.

Action, leading to results.

Results resulting in our receiving our exchange instructions.

I've pretty much had enough of the boy crying wolf.

To the point where I'm ready to sic the wolf on him and let him eat, just to get the kid to shut up.

As I mentioned earlier, enough already.

We've lived through the rumor stage of this adventure for far too long.

It's time to begin the action phase.

As we've always been told, actions speak louder than rumors.

And after all, isn't that exactly what a rumor is.

A bunch of words lined up in the form of a sentence, completely void of all action.

In other words, just words.

And words don't pay the bills.

So to whomever it may be that's supposedly working feverishly on completing the GCR, forever claiming we're close, please feel free to call it "close enough" and dispatch the "GO" email ASAP!

And to those out there rumored to still be throwin' wrenches, please feel free to close the lid on your toolboxes and call it a day.

You have to know when enough is enough.

And let's face it, enough is enough.

We all know this GCR thing is going to happen eventually, the rest of the world has committed to it.

Why not do the right thing by all involved and go ahead and release it.

Then we can all move on to something much more interesting.

Like life beyond Dinarland.

Hang in there folks.

According to the latest rumors, we're right on top of this thing and it has to happen soon.

If not, the entire global economy will crash.

And supposedly they don't want that to happen.

Or do they.

Who knows what they want.

Who even knows who "they" are.

Chances are they don't even know who they are, nor what they want.

Maybe that's why they can't seem to get anything accomplished.

They have no idea what it is they're supposed to be doing.

This thing is so compartmentalized that they forgot to create the "GO Signal"  Department.

At this point, anything's possible.

Anyway, don't let the rumors get you down.

Just do your best to hang in there, no matter what it takes.

Kindly,

Dr. Dinar

Disclaimer; I'm not a Wealth Manager, Financial Advisor, CPA, Tax Attorney, RV/GCR Committee member, a Federale of the Spanish Mounted Police, nor am I in search of the treasure of the Sierra Madre. I'm simply someone that chooses to believe in the power of positive thinking and on the odd chance this thing truly is real, I want to make sure I'm there at the finish line to enjoy it.

Keep Watering Your Bamboo Tree

From Recaps Archives

Keep Watering Your Bamboo Tree - Eric Aronson 

In the Far East, there is a tree called the Chinese bamboo tree. This remarkable tree is different from most trees in that it doesn't grow in the usual fashion. While most trees grow steadily over a period of years, the Chinese bamboo tree doesn't break through the ground for the first four years. Then, in the fifth year, an amazing thing happens - the tree begins to grow at an astonishing rate. In fact, in a period of just five weeks, a Chinese bamboo tree can grow to a height of 90 feet. It's almost as if you can actually see the tree growing before your very eyes.

Well, I'm convinced that life often works in a similar way. You can work for weeks, months and  years on your dream with no visible signs of progress and then, all of the sudden, things take off. Your business becomes profitable beyond your wildest dreams. Your marriage becomes more vibrant and passionate than you ever thought it could be. Your contribution to your church, social organization and community becomes more significant than you have ever imagined.

Yet, all of this requires one thing - faith. The growers of the Chinese bamboo tree have faith that if they keep watering and fertilizing the ground, the tree will break through. Well, you must have the same kind of faith in your bamboo tree, whether it is to run a successful business, win a Pulitzer Prize, raise well-adjusted children, or other important endeavors and business you have been nurturing.. You must have faith that if you keep making the calls, honing your craft, reading to your kids, reaching out to your client base, that you too will see rapid growth in the future.

This is the hard part for most of us. We get so excited about the idea that's firmly planted inside of us that we simply can't wait for it to blossom. Therefore, within days or weeks of the initial planting, we can become discouraged and begin to second guess ourselves or outside influence can slow or impair our dream.

Sometimes, in our doubt, we dig up our seed and plant it elsewhere, in hopes that it will quickly rise in more fertile ground. We see this very often in people who change jobs every year or so. We also see it in people who change churches, organizations and even spouses in the pursuit of greener pastures. More often than not, these people are greatly disappointed when their tree doesn't grow any faster in the new location.

Other times, people will water the ground for a time but then, quickly become discouraged. They may even start to wonder if it's worth all of the effort. This is particularly true when they see their neighbors having success with other trees. They start to think, "What am I doing trying to grow a "bamboo" tree? If I had planted a lemon tree, I'd have a few lemons by now." These are the kind of people who return to their old jobs and their old ways. They walk away or abandon their bamboo dream in exchange for a more common "sure thing."

Sadly, what many people fail to realize is that pursuing your dream will be a "sure thing" if you never give up. So long as you keep watering and cultivating your dream, it will come to fruition. It may take weeks, months, years or even much of a lifetime, but eventually, the roots will take hold and your tree will grow. And when it does, it will grow in remarkable ways.

We've seen this happen so many times. Henry Ford had to water his bamboo tree through five business failures before he finally succeeded with the Ford Motor Company.

Richard Hooker had to water his bamboo tree for seven years and through 21 rejections by publishers until his humorous war novel, M*A*S*H became a runaway bestseller, spawning a movie and one of the longest-running television series of all-time.

Another great bamboo grower was the legendary jockey Eddie Arcaro. Arcaro lost his first 250 races as a jockey before going on to win 17 Triple Crown races and 554 stakes races for total purse earnings of more than $30 million. 

Remember, we all have a bamboo tree inside of us just waiting to break through.  Keep watering and believing and you too can be flying high before you know it.

 https://www.worldpulse.com/community/users/tinan/posts/26730

Diary of a Demented Snow Shoveler

Humor While We wait………..from Recaps Archives

Diary of a Demented Snow Shoveler

December 8 6:00 PM
It started to snow. The first snow of the season and
the wife and I took our ****tails and sat for hours by
the window watching the huge soft flakes drift down
from heaven. It looked like a Grandma Moses print. So
romantic we felt like newlyweds again. I love snow!

December 9
We woke to a beautiful blanket of crystal white snow
covering every inch of the landscape. What a fantastic
sight! Can there be a more lovely place in
the whole world? Moving here was the best idea I've
ever had!

Shoveled for the first time in years and felt like a
boy again. I did both our driveway and the sidewalks.
This afternoon the snowplow came along and covered
up the sidewalks and closed in the driveway, so I got
to shovel again. What a perfect life!

December 12
The sun has melted all our lovely snow. Such a
disappointment! My neighbor tells me not to worry-
we'll definitely have a white Christmas. No snow on
Christmas would be awful! Bob says we'll have so much
snow by the end of winter, that I'll never want to see
snow again. I don't think that's possible. Bob is such
a nice man, I'm glad he's our neighbor.

December 14
Snow, lovely snow! 8 inches last night The
temperature dropped to -20. The cold makes everything
sparkle so. The wind took my breath away, but I warmed
up by shoveling the driveway and sidewalks. This is
the life! The snowplow came back this afternoon and
buried everything again. I didn't
realize I would have to do quite this much shoveling,
but I'll certainly get back in shape this way. I wish
I wouldn't huff and puff so.

December 15
20 inches forecast. Sold my van and bought a 4x4
Blazer. Bought snow tires for the wife's car and 2
extra shovels. Stocked the freezer. The wife wants
a wood stove in case the electricity goes out. I think
that's silly. We aren't in Alaska , after all.

December 16
Ice storm this morning. Fell on my a** on the ice in
the driveway putting down salt. Hurt like h***. The
wife laughed for an hour, which I think was very
cruel.

December 17
Still way below freezing. Roads are too icy to go
anywhere. Electricity was off for 5 hours. I had to
pile the blankets on to stay warm. Nothing to do but
stare at the wife and try not to irritate her. Guess I
should've bought a wood stove, but won't admit it to
her. I hate it when she's right. I can't believe
I'm freezing to death in my own living room.

December 20
Electricity is back on, but had another 14 inches of
the d*** stuff last night. More shoveling! Took all
day The d*** snowplow came by twice.
Tried to find a neighbor kid to shovel, but they said
they're too busy playing hockey. I think they're lying.

Called the only hardware store around to see about
buying a snow blower and they're out. Might have
another shipment in March. I think they're lying.

Bob says I have to shovel or the city will have it done
and bill me. I think he's lying.

December 22
Bob was right about a white Christmas because 13 more
inches of the white s**** fell today, and it's so cold,
it probably won't melt till August. Took me 45 minutes
to get all dressed up to go out to shovel and then I
had to p***. By the time I got undressed, p***ed and
dressed again. I was too tired to shovel. Tried to
hire Bob who has a plow on his truck for the rest of
the winter, but he says he's too busy.
I think the a**h*** is lying.

December 23
Only 2 inches of snow today. And it warmed up to 0.
The wife wanted me to decorate the front of the house
this morning. What is she, nuts?!!
Why didn't she tell me to do that a month ago?
She says she did but I think she's lying.

December 24
6 inches - Snow packed so hard by snowplow, I broke
the shovel. Thought I was having a heart attack. If I
ever catch the son of a b**** who drives that snow
plow, I'll drag him through the snow by his b**** and
beat him to death with my broken shovel.. I know he
hides around the corner and waits for me to finish
shoveling and then he comes down the street at a 100
miles an hour and throws snow all over where I've just
been! Tonight the wife wanted me to sing Christmas
carols with her and open our presents, but I was too
busy watching for the d*** snowplow.

December 25
Merry Christmas! 20 more inches of the d***
slop tonight - Snowed in.
The idea of shoveling makes my blood boil. D***, I hate
the snow!
Then the snowplow driver came by asking for a donation
and I hit him over the head with my shovel. The wife
says I have a bad attitude. I think she's a idiot.
If I have to watch "It's A Wonderful Life" one
more time, I'm going to stuff her into the microwave.

December 26
Still snowed in. Why the h*** did I ever move here? It
was all HER idea.

She's really getting on my nerves.

December 27
Temperature dropped to -30 and the pipes froze;
plumber came after 14 hours of waiting for him, he
only charged me $1,400 to replace all my pipes.

December 28
Warmed up to above -20. Still snowed in. The B------  is
driving me crazy!!!

December 29
10 more inches. Bob says I have to shovel the roof or
it could cave in. That's the silliest thing I ever
heard How dumb does he think I am?

December 30
Roof caved in. I beat up the snow plow driver, and now
he is suing me for a million dollars, not only for the
beating I gave him, but also for trying to shove the
broken snow shovel up his a?. The wife went home to
her mother.
Nine more inches predicted.

December 31
I set fire to what's left of the house. No more
shoveling.