Holiday Tidbits From Recaps Archives

HOLIDAY EATING TIPS

1. Avoid carrot sticks. Anyone who puts carrots on a holiday buffet table knows nothing of the holiday spirit. In fact, if you see carrots, leave immediately. Go next door, where they're serving rum balls.

2. Drink as much eggnog as you can. And quickly. It's rare... You cannot find it any other time of year but now. So drink up! Who cares that it has 10,000 calories in every sip? It's not as if you're going to turn into an eggnog-alcoholic or something. It's a treat. Enjoy it. Have one for me. Have two. It's later than you think. It's Christmas!

3. If something comes with gravy, use it. That's the whole point of gravy. Gravy does not stand alone. Pour it on. Make a volcano out of your mashed potatoes. Fill it with gravy. Eat the volcano. Repeat.

4. As for mashed potatoes, always ask if they're made with skim milk or whole milk. If it's skim, pass. Why bother? It's like buying a sports car with an automatic transmission.

5. Do not have a snack before going to a party in an effort to control your eating. The whole point of going to a Holiday party is to eat other people's food for free. Lots of it. Hello?

6. Under no circumstances should you exercise between now and New Year's. You can do that in January when you have nothing else to do. This is the time for long naps, which you'll need after circling the buffet table while carrying a 10-pound plate of food and that vat of eggnog.

7. If you come across something really good at a buffet table, like frosted Christmas cookies in the shape and size of Santa, position yourself near them and don't budge. Have as many as you can before becoming the center of attention. They're like a beautiful pair of shoes. If you leave them behind, you're never going to see them again.

8. Same for pies. Apple, Pumpkin, Mincemeat. Have a slice of each. Or if you don't like mincemeat, have two apples and one pumpkin. Always have three. When else do you get to have more than one dessert? Labor Day?

9. Did someone mention fruitcake? Granted, it's loaded with the mandatory celebratory calories, but avoid it at all cost. I mean, have some standards.

10. One final tip: If you don't feel terrible when you leave the party or get up from the table, you haven't been paying attention. Re-read tips; start over, but hurry, January is just around the corner.

~~~~~~~~~~

*Adventure With Grandma* 

I remember my first Christmas adventure with Grandma. I was just a kid. I
remember tearing across town on my bike to visit her on the day my big
sister dropped the bomb: "There is no Santa Claus," she jeered. "Even
dummies know that!"

My Grandma was not the gushy kind, never had been. I fled to her that day
because I knew she would be straight with me. I knew Grandma always told
the truth, and I knew that the truth always went down a whole lot easier
when swallowed with one of her world-famous cinnamon buns. I knew they were
world-famous, because Grandma said so. It had to be true. 

Grandma was home, and the buns were still warm. Between bites, I told her
everything. She was ready for me. "No Santa Claus!" she snorted. "Ridiculous!
Don't believe it. That rumor has been going around for years, and it makes
me mad, plain mad. Now, put on your coat, and let's go." 

"Go?  Go where, Grandma?" I asked. I hadn't even finished my second
world-famous, cinnamon bun. "Where" turned out to be Kerby's General
Store, the one store in town that had a little bit of just about everything. As we
walked through its doors, Grandma handed me ten dollars. That was a bundle
in those days. "Take this money," she said, "and buy something for someone who needs it. 

I'll wait for you in the car." Then she turned and walked out of Kerby's.

I was only eight years old. I'd often gone shopping with my mother, but
never had I shopped for anything all by myself. The store seemed big and
crowded, full of people scrambling to finish their Christmas shopping. For
a few moments I just stood there, confused, clutching that ten-dollar bill,
wondering what to buy, and who on earth to buy it for. 

I thought of everybody I knew: my family, my friends, my neighbors, the
kids at school, the people who went to my church. I was just about thought out, when I suddenly thought of Bobby Decker.  

He was a kid with bad breath and messy hair, and he sat right behind me in Mrs.Pollock's grade-two class. Bobby Decker didn't have a coat. I knew that because he never went out for recess
during the winter. His mother always wrote a note, telling the teacher that he
had a cough, but all we kids knew that Bobby Decker didn't have a cough, and
he didn't have a coat. I fingered the ten-dollar bill with growing excitement.
I would buy Bobby Decker a coat!

I settled on a red corduroy one that had a hood to it. It looked real warm,
and he would like that. "Is this a Christmas present for someone?" the lady  behind the counter asked kindly, as I laid my ten dollars down.

"Yes," I replied shyly. "It's .... for Bobby." The nice lady smiled at me. I didn't get any change, but she put the coat in a bag and wished me a Merry Christmas.

That evening, Grandma helped me wrap the coat in Christmas paper and
ribbons (a little tag fell out of the coat, and Grandma tucked it in her Bible)
and wrote on the package, "To Bobby, From Santa Claus" -- Grandma said that Santa always insisted on secrecy.  

Then she drove me over to Bobby Decker's house, explaining as we went that I was now and forever officially one of Santa's helpers. 

Grandma parked down the street from Bobby's house, and she and I crept
noiselessly and hid in the bushes by his front walk Then Grandma gave me
a nudge. "All right, Santa Claus," she whispered, "get going."

 I took a deep breath, dashed for his front door, threw the present down on
his step, pounded his doorbell and flew back to the safety of the bushes and
Grandma. Together we waited breathlessly in the darkness for the front door
to open. Finally it did, and there stood Bobby.

Fifty years haven't dimmed the thrill of those moments spent shivering,
beside my Grandma, in Bobby Decker's bushes. That night, I realized that
those awful rumors about Santa Claus were just what Grandma said they
were: ridiculous.  Santa was alive and well, and we were on his team. 

I still have the Bible, with the tag tucked inside: $19.95.

Pentatonix - Mary, Did You Know? (Official Video)

https://www.youtube.com/watch?v=ifCWN5pJGIE

Home Free - Do You Hear What I Hear?

https://www.youtube.com/watch?v=wIQQDYaoWpc

"I Was a Paid internet Shill" from Recaps Archives

From Dinar Recaps Archives

I Was a Paid Internet Shill

Ex-Shill, April 3, 2012, Above Top Secret,

I am writing here to come out of the closet as a paid shill. For a little over six months, I was paid to spread disinformation and argue political points on the Internet. This site, ATS, was NOT one that I was assigned to post on, although other people in the same organization were paid to be here, and I assume they still walk among you. But more on this later.

I quit this job in the latter part of 2011, because I became disgusted with it, and with myself. I realized I couldn’t look myself in the mirror anymore. If this confession triggers some kind of retribution against me, so be it. Part of being a real man in this world is having real values that you stand up for, no matter what the consequences.

My story begins in early 2011. I had been out of work for almost a year after losing my last job in tech support. Increasingly desperate and despondent, I jumped at the chance when a former co-worker called me up and said she had a possible lead for me. “It is an unusual job, and one that requires secrecy. But the pay is good. And I know you are a good writer, so its something you are suited for.” (Writing has always been a hobby for me).

She gave me only a phone-number and an address, in one of the seedier parts of San Francisco, where I live. intrigued, I asked her for the company’s URL and some more info. She laughed. “They don’t have a website. Or even a name. You’ll see. Just tell them I referred you.” Yes, it sounded suspicious, but long-term joblessness breeds desperation, and desperation has a funny way of overlooking the suspicious when it comes to putting food on the table.

The next day, I arrived at the address – the third floor in a crumbling building. The appearance of the place did not inspire confidence. After walking down a long, filthy linoleum-covered corridor lit by dimly-flickering halogen, I came to the entrance of the office itself: a crudely battered metal door with a sign that said “United Amalgamated Industries, Inc.”

I later learned that this “company” changed its name almost monthly, always using bland names like that which gave no strong impression of what the company actually does. Not too hopeful, I went inside. The interior was equally shabby. There were a few long tables with folding chairs, at which about a dozen people were tapping away on old, beat-up computers. There were no decorations or ornaments of any type: not even the standard-issue office fica trees or plastic ferns. What a dump. Well, beggars can’t be choosers.

The manager, a balding man in his late forties, rose from the only stand-alone desk in the room and came forward with an easy smile. “You must be Chris. Yvette [my ex-co-worker] told me you’d be coming.” [Not our real names]. “Welcome. Let me tell you a little about what we do.” No interview, nothing. I later learned they took people based solely on referral, and that the people making the referrals, like my ex-colleague Yvette, were trained to pick out candidates based on several factors including ability to keep one’s mouth shut, basic writing skills, and desperation for work.

We sat down at his desk and he began by asking me a few questions about myself and my background, including my political views (which were basically non-existent). Then he began to explain the job. “We work on influencing people’s opinions here,” is how he described it. The company’s clients paid them to post on Internet message boards and popular chartrooms, as well as in gaming forums and social networks like Facebook and MySpace. Who were these clients? “Oh, various people,” he said vaguely. “Sometimes private companies, sometimes political groups.”

Satisfied that my political views were not strong, he said I would be assigned to political work. “The best people for this type of job are people like you, without strong views,” he said with a laugh. “It might seem counterintuitive, but actually we’ve found that to be the case.” Well, OK. Fine. As long as it comes with a steady paycheck, I’d believe whatever they wanted me to believe, as the guy in Ghostbusters said.

After discussing pay (which was much better than I’d hoped) and a few other details, he then went over the need for absolute privacy and secrecy. “You can’t tell anyone what we do here. Not your wife, not your dog.” (I have neither, as it happens.) “We’ll give you a cover story and even a phone number and a fake website you can use. You will have to tell people you are a consultant. Since your background is in tech support, that will be your cover job. Is this going to be a problem for you?” I assured him it would not. “Well, OK. Shall we get started?”

“Right now?” I asked, a bit taken aback.

“No time like the present!” he said with a hearty laugh.

The rest of the day was taken up with training. Another staff member, a no-nonsense woman in her thirties, was to be my trainer, and training would only last two days. “You seem like a bright guy, you’ll get the hang of it pretty fast, I think,” she said. And indeed, the job was easier than I’d imagined. My task was simple: I would be assigned to four different websites, with the goal of entering certain discussions and promoting a certain view. I learned later that some of the personnel were assigned to internet message boards (like me), while others worked on Facebook or chatrooms. It seems these three types of media each have different strategy for shilling, and each shill concentrates on one of the three in particular.

My task? “To support Israel and counter anti-Israeli, anti-Semitic posters.” Fine with me. I had no opinions one way or another about Israel, and who likes anti-Semites and Nazis? Not me, anyway. But I didn’t know too much about the topic. “That’s OK,” she said. “You’ll pick it up as you go along. For the most part, at first, you will be doing what we call “meme-patrol.” This is pretty easy. Later if you show promise, we’ll train you for more complex arguments, where more in-depth knowledge is necessary.”

She handed me two binders with sheets enclosed in limp plastic. The first was labeled simply “Israel” in magic-marker on the cover, and it had two sections .The first section contained basic background info on the topic. I would have to read and memorize some of this, as time went on. It had internet links for further reading, essays and talking points, and excerpts from some history books. The second, and larger, section was called “Strat” (short for “strategy”) with long lists of “dialogue pairs.” These were specific responses to specific postings.

If a poster wrote something close to “X,” we were supposed to respond with something close to “Y.” “You have to mix it up a bit, though,” said my trainer. “Otherwise it gets too obvious. Learn to use a thesaurus.” This section also contained a number of hints for de-railing conversations that went too far away from what we were attempting.

These strategies included various forms of personal attacks, complaining to the forum moderators, smearing the characters of our opponents, using images and icons effectively, and even dragging the tone of the conversation down with sexual innuendo, links to pornography, or other such things. “Sometimes we have to fight dirty,” or trainer told us. “Our opponents don’t hesitate to, so we can’t either.”

The second binder was smaller, and it contained information specific to the web sites I would be assigned to. The sites I would work were: Godlike Productions, Lunatic Outpost, CNN news, Yahoo News, and a handful of smaller sites that rotated depending on need. As stated, I was NOT assigned to work ATS (although others in my group were), which is part of the reason I am posting this here, rather than elsewhere. I wanted to post this on Godlike Productions at first, but they have banned me from even viewing that site for some reason (perhaps they are onto me?). But if somebody connected with this site can get the message to them, I think they should know about it, because that was the site I spent a good 70% of my time working on.

The site-specific info in the second binder included a brief history each site, including recent flame-wars, as well as info on what to avoid on each site so as not to get banned. It also had quite detailed info on the moderators and the most popular regged posters on each site: location (if known), personality type, topics of interest, background sketch, and even some notes on how to “push the psychological buttons” of different posters. Although I didn’t work for ATS, I did see they had a lot of info on your so-called “WATS” posters here (the ones with gold borders around their edges). “Focus on the popular posters,” my trainer told me. “These are the influential ones. Each of these is worth 50 to 100 of the lesser known names.”

Each popular poster was classified as “hostile,” “friendly,” or “indifferent” to my goal. We were supposed to cultivate friendship with the friendly posters as well as the mods (basically, by brownnosing and sucking up), and there were even notes on strategies for dealing with specific hostile posters. The info was pretty detailed, but not perfect in every case. “If you can convert one of the hostile posters from the enemy side to our side, you get a nice bonus. But this doesn’t happen too often, sadly. So mostly you’ll be attacking them and trying to smear them.”

At first, like I said, my job was “meme-patrol.” This was pretty simple and repetitive; it involved countering memes and introducing new memes, and didn’t demand much in-depth knowledge of the subject. Mostly just repetitive posting based on the dialogue pairs in the “Strat” section of the first binder. A lot of my job was de-railing and spamming threads that didn’t go our way, or making accusations of racism and anti-Semitism. Sometimes I had to simply lie and claim a poster said something or did something “in another thread” they really hadn’t said or done I felt bad about this…but in the end I felt worse about the possibility of losing the first job I’d been able to get since losing my “real” job.

The funny thing was, although I started the job with no strong opinions or political views, after a few weeks of this I became very emotionally wedded to the pro-Israel ideas I was pushing. There must be some psychological factor at work…a good salesman learns to honestly love the products he’s selling, I guess. It wasn’t long before my responses became fiery and passionate, and I began to learn more about the topic on my own. “This is a good sign,” my trainer told me. “It means you are ready for the next step: complex debate.”

The “complex debate” part of the job involved a fair amount of additional training, including memorizing more specific information about the specific posters (friendly and hostile) I’d be sparring with. Here, too, there were scripts and suggested lines of argument, but we were given more freedom. There were a lot of details to this more advanced stage of the job – everything from how to select the right avatar to how to use “demotivationals” (humorous images with black borders that one finds floating around the web). Even the proper use of images of cats was discussed. Sometimes we used faked or photo-shopped images or doctored news reports (something else that bothered me).

I was also given the job of tying to find new recruits, people “like me” who had the personality type, ability to keep a secret, basic writing/thinking skills, and desperation necessary to sign on a shill. I was less successful at this part of the job, though, and I couldn’t find another in the time I was there.

After a while of doing this, I started to feel bad. Not because of the views I was pushing (as I said, I was first apolitical, then pro-Israel), but because of the dishonesty involved. If my arguments were so correct, I wondered, why did we have to do this in the first place? Shouldn’t truth propagate itself naturally, rather than through, well…propaganda?

And who was behind this whole operation, anyway? Who was signing my paychecks? The stress of lying to my parents and friends about being a “consultant” was also getting to me. Finally, I said enough was enough. I quit in September 2011. Since then I’ve been working a series of unglamorous temp office jobs for lower pay. But at least I’m not making my living lying and heckling people who come online to express their views and exercise freedom of speech.

A few days ago I happened to be in the same neighborhood and on a whim thought I’d check out the old office. It turns out the operation is gone, having moved on. This, too, I understood, is part of their strategy: Don’t stay in the same place for too long, don’t keep the same name too long, move on after half a year or so. Keeping a low profile, finding new employees through word of mouth: All this is part of the shill way of life. But it is a deceptive way of life, and no matter how noble the goals (I remain pro-Israel, by the way), these sleazy means cannot be justified by the end.

This is my confession. I haven’t made up my mind yet about whether I want to talk more about this, so if I don’t respond to this thread, don’t be angry. But I think you should know: Shills exist. They are real. They walk among you, and they pay special attention to your popular gold-bordered WATS posters. You should be aware of this. What you choose to do with this awareness is up to you.

Yours,

ExShill

https://goldenageofgaia.com/2012/10/01/i-was-a-paid-internet-shill/

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More "Blasts From The Past" From Dinar Recaps Archives

From 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.

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

That moment when………..

Never Sell Your Seed by GTabDinar

Never Sell Your Seed

Hi Mateys! You know….a long time ago I was listening to my grandfather talk about when times were tough on the farms of America…around the time of the great depression (we are close to that these days). He said that his family would live from day-to-day just hoping to make ends meet until the next crop was harvested.

They had planted the crops, watered them, weeded them out, nurtured them, fertilized them, watered them some more and then they harvested them. The harvest needed to last throughout the long winter that was to come, in addition, until the new harvest of that year’s crops.

 Along with the harvest, they would always save some seed for next spring’s planting. Hopefully more seed than they planted the year before; always looking to provide more for their families and perhaps to help others.

During the winter things got so tough that they had to make ends meet by working additional jobs, cutting back on all expenses and finding other ways to survive the long winter and spring months.

One year it got so bad, things had to be sold in order to buy food to eat and survive. He told me his Father told him that they would “never sell their seed.” He did not know what that meant until later on in life.

In short, his Father and Mother knew that in order to make it next year and the years far after that (and to expand the crops for the future), they had to save their seed. The seed was worth a fortune, but they never sold it.

Without the seed there was a very slim chance to plant the following year’s crops.

On a daily basis, others and myself get emails, IM’s and calls from fellow Mateys and others who are so tired of the ride that they want to just get out and sell their Dinar.

Your Dinar is your seed.

That is the worst thing anyone can do at this point in the journey. I have counseled many to not do that. Do whatever else you need to do….but don’t do that!

Now is not the time to get rid of your Dinar. Sell whatever else you can, if you have to, to make ends meet…but never sell your seed if you can avoid it.

Make drastic changes in your lifestyle, if needed but once again….never sell your seed. Without it….you have no chance of growing crops for future years and even increasing crop production for future years. This is a full reference to income in future years. Crops are your income.

These requests also remind me of my coaching career. I would always tell my kids (all 400-500 of them!) to never quit. You may be getting beat up on the field but you never….never….never quit. There is always the next at bat. There is always the next play. And there is always the next game.

If you quit now…you will have very little chance of playing again, much less winning a game, or getting a hit. Baseball is like life and life is like baseball. Sometimes you win; sometimes you lose….but you never stop trying. NEVER!!!

To sum this all up, I have a love for people in general….and my Mateys in particular. Like I have said before….I wish I could make all our problems go away. I cannot. But if you ask me, I will tell you not to quit. And never…..never…..NEVER….. sell your seed!

 You’ll need it to live your life in the future to the fullest. Lots of nevers today huh?!?!! Our Lord expects this from us. BTW…I read the last chapter….we win!

Thanks Mateys and wake up rich! In more ways than one!!!    gtabdinar

A "Blast From the Past" From Dinar Recaps Archives

A Blast From the Past: From Recaps Archives

Dinar Recaps has been posting news from all over Dinarland for over 10 years…..Here are a few “Blasts From the Past” !!!

Dinar Dictionary

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 "cash-in" 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".

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.

Obama/Biden/Trump/Bush : Known to non Dinar holders as the leaders of the free world. Gurus see this figure as "the holdup". The man of power that has but one job...to delay the RV of the Iraqi Dinar.

LOP: Beware of the LOP. It is the antidote to "hopium".  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).

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

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 taxs 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 .

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

SIGNS that YOU have a Dinar Addiction!!

1. You just tried to enter your favorite dinar site password on the microwave.

2. You chat several times a day with people from all over the world about IMF and BIS , but  you haven't spoken with your next door neighbor yet this year.

3. You pull up in your driveway and use your cell phone to check the Dinar sites before you go in your house.

4. You buy a new computer and a week later it is clogged with Dinar bookmarks.

5. Cleaning up the bedroom room means you have to put your Dinar away.

6. Your reason for not staying in touch with family is that they do not belong to the same Dinar blogs.

7. You consider second-day air delivery of your Dinar painfully slow.

8. You wake up at 2am to go to the bathroom and check the Dinar websites before going back to bed.

9. You get up in morning and go online to your favorite Dinar site before having your coffee and getting dressed

10. You're reading this on a Dinar website.

11. Even worse you might respond to this by adding more to it!!!

EVOLUTION OF THE DINARIAN
In The Beginning Many Years Ago           Today !!!  Need I Say More???

Jim Cramer of Mad Money Talks About Iraqi Dinar

https://www.youtube.com/watch?v=iryWYSrZHg8&feature=player_embedded#t=0

Private Banking Vs. Wealth Management: Not Quite the Same

Reposted for our newest readers: From Recaps Archives

Private Banking Vs. Wealth Management: Not quite the same.

Private banking and wealth management are terms that overlap. However, the financial services offered through private banking and through wealth management differ slightly.

Wealth management is a broader category that involves dealing with the optimization of a client's portfolio, taking into account his aversion to, or comfort with, risk and investing assets according to his plans and financial goals.

Private banking typically refers to an envelope solution for high-net-worth-individuals(HNWIs) wherein a public or private financial institution employs staff members to offer high-net-worth clients personalized care and management of their finances.

The primary difference between private banking and wealth management is that private banking does not always deal with investing clients' assets. Private bank staff may offer clients guidance on certain investment options, but not all banks will be involved in the actual process of investing assets for their clients.

Most clients utilizing private banking services open deposit accounts of one kind or another.

Wealth management employees, including financial advisors, provide advice to clients to help them improve their financial standing and assist clients in investing assets with the goal of generating high returns. In general, private banking can extend to encompass wealth management, but wealth management firms cannot provide clients with private banking facility services.

PRIVATE BANKING

In general terms, private banking involves financial institutions that provide financial management services to HNWIs. In some instances, an individual may be able to obtain these services with assets less than $100,000, but most banks that provide private banking do not accept clients who have assets less than $500,000.

Private banking tends to be exclusive and is reserved for clients with substantial amounts of cash and other assets to be deposited into accounts and to be invested.

Private banking provides investment-related advice and aims to address the entire financial circumstances of each client. Private banking services typically aid clients in protecting and growing their assets.

Employees designated to aid each client work to provide individualized financing solutions. These employees also help clients plan and save for their retirement and structure plans for passing accumulated wealth on to family members or other indicated beneficiaries
.
There are consumer banks of every size with private banking divisions. These divisions offer considerable perks to HNWIs to obtain them as clients. Private banking clients with large accounts generally receive enviable rates and concierge-like service, guaranteeing them instant access to the employees working with their accounts.

Private banking clients never have to wait in line or use a teller for services. Anything the client needs can be done with a phone call. A private banking client can contact the lead advisor working with his account and complete just about any transaction, from cashing a check or ordering more checks to moving large sums of money from one account to another.

These perks are all part of the banking institution’s plan to benefit financially. Banks pursue wealthy clients because their business generates significant sums of money in profit for the bank, guarantees repeat business and brings in new business.

Private banking clients, specifically the ultra-wealthy, discuss the specialized and elite treatment they receive with other wealthy individuals. These are new potential clients. Often, these new potential clients are mentioned to private banking divisions by current clients. The divisions then send out invitations to potential clients and often acquire their accounts through such invitations.

Private banking divisions also find new clients through the course of completing normal lending activities. The banks can access tax returns and additional personal documents and discover other potential clients through this information. Invitations are also extended to these individuals and often private banking divisions acquire clientele by doing so.

Banks draw a line when it comes to individuals who are pursued and contacted to become potential clients, and this line rests in different places for different institutions. The mass-affluent market is the major target, meaning individuals with investable assets in excess of $250,000. Some banks set a much higher bar, targeting only those individuals who have minimum amounts of investable assets in the millions.

Clients utilizing private banking services pay for the specialized treatment they receive. The bank that wealthy clients use has a guarantee of a large pool of money, in the form of the clients' substantial checking account balances, to lend and utilize.

The bank also makes money from the steeper interest charges on larger mortgage and business loans taken out by rich clients. The real money maker for these banks is the percentage earned on assets under management (AUM), which is generally quite large with HNWIs. Charging even a very small percentage fee for services that involve huge sum

Wealth Management

Private wealth management generally involves advice and execution of investments on behalf of clients. Firms that specialize in these practices are the primary sources for clients looking to invest in a variety of funds and stocks.

Wealth management advisors also help with financial planning, manage client portfolios and perform a variety of other financial services in relation to a client’s private financing choices.

Utilizing a financial advisor for private wealth management allows the client to work with an individual educated in solving financial problems and enhancing the client’s overall financial status. These wealth management advisors also help clients achieve financial goals.

Generally, financial advisors seek to assist affluent clients with private wealth management.

The advisors seek to provide the clients with ranges of financial products and services and achieve clients' ultimate financial goals.

Private wealth management services are provided by larger corporations, such as Goldman Sachs, but they may also be provided by independent financial advisors or portfolio managers multi-licensed to offer multiple services and who focus on high-net-worth clients.

A wealth management advisor sits down one-on-one with each client and discusses goals, comfort levels with risk, and any other stipulations or restrictions the client may have in regard to the investment of his assets.

The wealth management advisor then composes an investment strategy that incorporates all information gained from the client and that allows the client to achieve his goals.

The advisor continues to manage the client’s money and utilizes investment products that coincide with the client's stipulations.

Wealth management advisors cannot always offer clients the same specialized and concierge-like services that private banking offers.

However, in most cases, these financial advisors spend a great deal of time with clients. These advisors also cannot open banking accounts for clients, but they can assist them in determining the right kind of accounts to open at the bank of the client's choosing.

Read more: Private Banking Vs. Wealth Management: Not Quite the Same http://www.investopedia.com/articles/professionals/111715/private-banking-vs-wealth-management-not-quite-same.asp#ixzz3t64c3lsT

4 Steps To Make Your Money Last a Lifetime - From Recaps Archives

If you are a new investor,Dinar Recaps will be posting Exchange Tips and information from our archives for our newest readers that may be helpful for you at our exchange appointments and Post RV. Not all questions or information may apply to you and your personal situation…..Take what you like and leave the rest:  Some you may want to save for your own personal records! We hope all our dreams come true very soon ~ Your Dinar Recaps Team

4 Steps to Make Your Money Last a Lifetime

By Jane Bryant Quinn, AARP Bulletin

A simple, easy-to-use formula to make sure you never run out of cash

As a financial columnist, I get asked the same heartfelt question over and over: “How do I make sure I don’t outlive my money?” And that makes sense. Surveys confirm that the No. 1 worry among older Americans is running out of cash.

Fortunately, financial planners have come up with sound ways to prevent this. Collected here are their key rules for maintaining a livable income for life, plus case studies that show how to put these general rules into action. The goal is your peace of mind — knowing that you’re getting the most from the money you’ve saved and that you’ll always have enough.

The Magic Number
 
The key to long-term planning is knowing one essential number: how much money you can afford to spend annually. From there, you can adjust your expenses to fit.
 
You may be tempted to reverse the order — estimate your future expenses, then adjust your investment assumptions to make that spending appear possible. But that’s wishful thinking: a hope that big investment returns will rescue your budget. It leads to overspending early on, and regret later.
 
Instead, let’s focus on the real, guaranteed money you’ll have. There are two main sources:
 
Your personal savings and investments.
Your guaranteed income from other sources.
 
Download this worksheet to help you find your sustainable income. The key steps:
 
Step 1: Tally Your Guaranteed Income
 
The most common source is Social Security, which you may already be collecting. (If you’re not, get an estimate by calling Social Security or by opening a My Social Security account at ssa.gov.) You might also have a pension or annuity.

If you own a reliable rental property, include the amount of rent you receive after expenses. 

Step 2: Estimate Your Income from Savings

How much annual income can you prudently take from your savings and investments? To get the answer, there’s a surprisingly simple rule of thumb:
 
Add up the current value of your spendable assets, such as bank accounts, mutual funds, stocks and bonds. Include both retirement and nonretirement savings.
 
Subtract from that total a cash cushion to help cover near-term expenses.
 
Then take 4 percent of what remains.
 
That’s the “safe” amount of your assets that financial planners say you can afford to spend in the first year of retirement without running the risk that your savings will run out. In each subsequent year, take the same dollar amount plus an increase for inflation.
 
Example: Say you have $100,000 invested (plus a cash cushion). In the first year of retirement you could spend $4,000 of that money. If inflation is running at 3 percent, your second-year withdrawal would be $4,120 — the first-year amount plus an inflation increase. Follow this pattern in each future year.
 
Under this system, known as the “4 percent rule,” your savings should last at least 30 years and probably more. That forecast is based on the pioneering work of planner William Bengen, who tested 30-year spending rates against the historical returns of U.S. stocks and Treasury bonds.
 
Some years the markets are up and some years they’re down, but the 4 percent rule takes that into account. As long as you keep withdrawing a steady amount of money, plus increases for inflation, you won’t run out.
 
This rule would have protected your annual income even during 30-year periods that included the Great Depression of the 1930s and Great Stagflation of the 1970s. In better periods, savings lasted for many years more.
 
Step 3: Total Your Income
 
Add that “safe” 4 percent amount to your annual guaranteed income. For example, if you’re due $20,000 from Social Security and take $4,000 from a $100,000 nest egg, you’ll have $24,000 that you can safely use for living expenses, including any taxes.
 
Step 4: Set Your Budget
 
Finally, divide your expected yearly income by 12 to get your available monthly cash. And that’s it. Don’t worry about inflation; your income should keep up with inflation, thanks to Social Security’s cost-of-living increases and the annual increases you take from savings. 

Special Factors

You're Married

Calculate your spendable income three ways: once as a couple, once assuming that you die first, and once assuming that your spouse dies first. Don’t skip this analysis! Couples generally get two Social Security checks — one per spouse.
 
The survivor will get only one. If you get a pension, it, too, might go down or go away when you die. Each spouse should know what might change after the other’s death.
 
You're a Homeowner
 
Worried that these numbers won’t fund a decent standard of living? You might want to tap your home equity.
 
Home equity loans, however, can be hard for retirees to get. Instead, if you want to stay put, you might get a reverse mortgage: a loan against your home with no payments due until you leave it permanently. The debt is usually settled via proceeds from your home’s sale.
 
Costs are high: If your house is worth $260,500 — the median U.S. price — a $50,000 credit line might carry $13,000 in one-time fees. (That money comes from your home equity, not your pocket.) Another option: Take in a renter. Or you could downsize, adding your home-sale proceeds to your investments.
 
  You Fear Stocks

The 4 percent rule rests on the premise that you invest about half of your nest egg in low-cost funds — index mutual funds or exchange-traded funds — that hold big-company stocks and track the market’s moves. The other half is in Treasury bond funds. If you also hold funds with smaller stocks, Bengen says it’s safe to start at 4.5 percent.
 
If you avoid stocks, however, and own only bonds and CDs, 4 percent is too high. Your initial safe withdrawal rate is more like 3 percent, says economist Wade Pfau of the American College of Financial Services in Bryn Mawr, Pa. You might also start with that number if you retire early or own individual stocks, which are riskier than market-tracking mutual funds.
 
On the other hand, you might go higher. The original 4 percent rule was designed to protect you from the worst of times, says financial planner Jonathan Guyton of Edina, Minn. But most 30-year periods do just fine, and you might find that you’re skimping while money piles up.

Guyton suggests starting with 5 or 5.5 percent. But do that, he says, only if you have at least 60 percent of your investments in stocks and you’re willing to cut back a little — say, 10 percent of your planned annual withdrawal — when markets fall.

Five percent also makes sense if you want only 20 years of income — for example, if you don’t quit work until you turn 75.

https://www.aarp.org/retirement/retirement-savings/info-2018/make-money-last-lifetime.html

5 Things to do if You Receive a Windfall

From Recaps Archives

5 Things to Do If You Receive a Windfall (Or RV)

Getting rich can be easy compared with staying rich.

It isn't likely that you will become fabulously wealthy overnight, but it can happen.

You could learn of a rich uncle who left you a fortune in his will. The lottery gods may bless you. You might be really good at March Madness picks and win $1 billion promised by Warren Buffett and Quicken Loans for correctly guessing the winners of 67 basketball games.

So just for kicks, and for the few readers who find themselves in this position, what should you do if you suddenly, practically overnight, become fantastically rich beyond your wildest imagination?

If you can help it, tell almost no one. You may not be able to prevent everyone from finding out. A will becomes a public document. If you win a gazillion dollars after a successful lawsuit, it won't exactly be a secret; the press will likely have been reporting on your every move.

In most states, if you win a lottery, you must agree to have your name released to the public, which helps their marketing cause but not necessarily yours.

But if you can, keep your mouth shut, advises Sally Mulhern, an estate planning attorney in Portsmouth, N.H.

She says she had a client who won $2 million in a lottery and never told anyone other than his wife. "Not his parents, children, co-workers, friends or anyone else. He told me it's difficult, but definitely worth it," Mulhern says.

Why the secrecy? For the obvious reasons: "Those friends you haven't seen in years are not your real friends," Mulhern says.

And you may even have enemies. Nearly two years after the fact, the murder of Urooj Khan is still unsolved. Khan was an Indian immigrant and Chicago resident who owned three dry-cleaning shops and five condominiums and won $1 million in June 2012 in the Illinois lottery.

Khan apparently told everyone of his windfall; he was so happy when he won his scratch-off ticket that, according to media reports, he tipped the clerk $100.

He was poisoned by cyanide in July 2012, one day after he received a check for $424,449, the amount left over after he selected a one-time payment, minus taxes.

For as long as possible, do nothing. That is, don't spend unusually large amounts of money. The last thing you want to do is blunder into an expensive purchase you can't return and will soon regret.

According to Dan White, a Philadelphia-area financial planner, "Many people move too quickly, acting on impulse and not giving themselves the time to think."

He says some of the issues you'll need to think about include your current debt, your plans for retirement and what you want to do about taxes. This is the time, in any case, to process what has just happened to you.

Hire a good team. While you're doing nothing, here's something you can do. "Surround yourself immediately with expert, trustworthy advisors," Mulhern says. "This includes an estate planning attorney, but perhaps more important, a tax accountant."

Mulhern stresses this point because she says she had a client who won $70 million in a lottery, but because his income in previous years hadn't been high enough to require him to file, he didn't report his taxes.

"Before meeting with us, [he] got into trouble with the IRS," Mulhern says.

There are other reasons to hire a tax accountant besides staying in good graces with the IRS, although that's an excellent one. Lawrence Pon, a certified public accountant in Redwood City, Calif., who has been doing clients' taxes for 28 years, says talking to a tax advisor first can help you avoid mistakes like bad investments or overspending.

For instance, Pon says, "some inheritances are set up so they aren't paid until a certain age or conditions are met."

He adds that he once saw a trust that indicated the child would be disinherited if he didn't pass a drug test.

In other words, if you go from having no money to a lot of it, you're going to come in contact with a lot of issues you probably aren't familiar with.

Yes, you'll spend money hiring an estate planning attorney, accountant, financial advisor, tax advisor and whomever else you decide to bring aboard, but if they save you thousands or millions in the long run, it will be money well-spent.

And, of course, if you're worth millions and everyone knows it, you may want to hire a security firm – at least for a while.

Your newfound attorney, accountant or financial advisor or should be able to point you to a local firm that specializes in protecting high-net-worth clients.

5 Things to Do If You Receive a Windfall

Finding a Financial Advisor or Planner

Over the next few days Dinar Recaps will be posting Exchange Tips and information from our archives for our newest readers that may be helpful for you at our exchange appointments and Post RV. Not all questions or information may apply to you and your personal situation…..Take what you like and leave the rest:  Some you may want to save for your own personal records! We hope all our dreams come true very soon ~ Your Dinar Recaps Team

Finding a Financial Advisor or Planner
By Troy Segal   Jun 3, 2019
 
If it's ever occurred to you how complex and vital 'getting it right' is when it comes to saving, investing, maximizing the value of your wealth and planning for a safe, comfortable retirement, you've probably asked yourself if you should employ a financial planner or advisor.
 
Similarly, if you've felt the pressure of deciding on a big investment, such as a home or education—or felt overwhelmed with the financial details after a wedding, the birth of a child, divorce, death of a spouse, or major illness—you've probably wondered about finding someone to advise you.

Services of Advisors and Planners
 
According to a 2019 CNBC and Acorns Invest survey, over a third of Americans don't have a good understanding of what a financial advisor actually does. That figure balloons to 46% for Millennials.
 
So what kind of services do financial advisors and planners provide? Broadly, they can help you manage your financial life using a variety of strategies and products to both manage your wealth and improve your financial habits.
 
Types of Financial Advice
 
Not all financial advisors are the same. Some specialize in certain practice areas, types of clients, income levels, investment strategies, and products. Some work with clients all over the country, while others focus on clients in their town.
 
Some can help you with your taxes, insurance needs, or estate planning and others will focus on retirement planning. There are advisors for the younger client and some specialize on retirees. You can find a planner to help with life stages planning, estate distribution strategies, and business planning.
 
From managing every aspect of your personal or business financial life to simply suggesting directions, there are specialized professionals available to help.
 
Reasons to Seek Financial Advice
 
You may need an advisor for many reasons. For example, perhaps you just received a considerable sum of money from a relative who died or a windfall from the state lottery. As a person goes through different stages in life, their need for a financial professional will change.
 
Perhaps you just had a baby and want to ensure their future in case the worst happens. Many parents seek help for college savings for children and setting up estates that can convey wealth to future generations.
 
The approach to investing at or during retirement is different than that of a young worker. As you near retirement your risk tolerance level will change, and your style of investing should change as well. Perhaps your company is offering a too-good-to-resist early-retirement package, and you want to make sure the money lasts.
 
Any of these events (and many others) could naturally trigger the desire for some professional help in managing your financial affairs.
 
How to Find Good Financial Help
 
How should you go about finding the right advisor? The first step is to figure out what sort of professional financial help you need. Like many people, some of your deepest financial thinking comes at tax time.
 
So if you just want someone to dole out tax advice and preparation, a good old Certified Public Accountant (CPA) will probably suffice. That CPA may or may not also be a financial advisor. 

Investment Management—Financial Planners

Financial planners are professionals who help businesses and individuals create investment plans that meet long-term goals.

Say you're looking for help in creating a savings plan, devising investment strategies for your investment portfolio, getting out of debt, and start saving for a house. In short, if you want someone to look at your entire situation, you should seek the help of a comprehensive financial planning firm or an individual financial planner.

Firms typically have a staff of professionals that includes a financial planner. Solo-practitioner planners may not be able to provide you with the full range of services that a firm can, but many will work hand-in-hand with other professionals who can provide those services.

Financial planners can carry designations such as:

Certified Financial Planner (CFP®)

Chartered Financial Analyst (CFA®)

Certified Fund Specialist (CFS)

Chartered Financial Consultant (ChFC)

Certified Investment Management Analyst (CIMA)

There are many other designations as well

Each of the specific designations will require a different set of experience requirements as well as the successful completion of an exam or series of tests.

To locate a planner, start with referrals from colleagues, friends or family members who seem to be managing their finances successfully. Another avenue is professional recommendations. An accountant or a lawyer might make a referral. Professional associations can sometimes provide help. The Financial Planning Association (FPA) will also be able to help you locate a planner in your area.

Managing Money—Financial Advisors
 
A financial advisor is a broad term that covers many types of professionals. They may help you manage your investments by facilitating the buying and selling of securities. These individuals include bankers, accountants, stockbrokers, insurance agents, and estate planners.
 
Financial advisors handle a wide range of money matters for individuals and businesses while a financial planner handles more specialized matters.
 
Financial advisors may work in independent practices or part of a firm or financial institution. All advisors who work with the public must have a current Series 65 License. The National Association of Personal Financial Advisors (NAPFA) is a good place to start your search for help.

Fee-Only vs. Fee-Based
 
A fee-based structure can be hourly, project, retainer or a flat ongoing amount that is derived from the percentage of assets being managed; usually, the greater the assets, the lower the percentage. Commission-based means the advisor charges a straight commission every time a transaction occurs or a financial product is purchased. 

Commission Based
 
Although most of the big retail brokerages offer financial planning services, be cautious with their personnel. While many are highly trained and can be trusted, others may just be glorified stockbrokers hired by large wirehouses to sell proprietary mutual funds and stocks.
 
Known as fee-based, they are incentivized, sometimes even required, to push these products, which are owned by their firm—and for which they receive top commissions. And with some wirehouses, it's all about quantity, not quality. The more buying and selling that a broker does in an investor's account, the higher his commission payouts.
 
Fee-Only
 
Another type of advisor is the fee-only advisor. These professionals carry designations such as registered investment advisor (RIA) or investment advisor representative (IAR). They are held to a high degree of accountability, and you'll typically find them knowledgeable.
 
They are also required to provide to all potential investors upon request a Form ADV Part II. This form is a uniform submission used by advisors to register with state regulators and the Securities and Exchange Commission (SEC).
 
Form ADV Part II—which must be completed each year—contains information about the individual. Among other things, this will allow you to determine whether your advisor has ever applied for personal bankruptcy and their investment in other financial institutions. The form identifies the individual's investment style, officers of the firm, and the firm's assets under management (AUM).

The Debate Between the Two Structures
 
Fee advisors claim that their advice is superior because it has no conflict of interest. Commission-based professionals, they argue, can compromise an advisor's integrity, affecting the selection or recommendation of products (some companies might compensate the advisor better than others).
 
In return, commission advisors respond that those who get paid based on their assets under management (AUM) are more likely to recommend financial strategies that increase their AUM, even if they aren’t in the client's best interest. They argue that commissions keep their services affordable (though the costs of these commissions are born by you the investor and serve to reduce your returns).
 
Each year, more investors are shifting from the traditional commission set up and moving towards the modern fee-only approach. Because set fees are new to many investors, some common questions have risen, such as:
 
"What is a fair fee?"
"How will I be billed?"

With the average mutual fund still charging an expense fee of approximately 1.4%, it's safe to say that a total fee of 1.8% to 2% is fair.
 
If you can find an advisor who can package an investment program that includes the cost of the investments, trading, custody, and the advisor's professional services for 1.8% or less, you're getting a sweet deal. Most fees are now billed quarterly, so you'll need to know whether they will be pulled in advance or in arrears.
 
A combination of payment methods may also occur. Before you sign on to work with an advisor, you should make sure that the rates, fee structure, and commission schedules are clearly laid out (preferably in writing, as RIAs are required to do by law) so there are no surprises later.
 
Evaluating the Professional
 
Anyone can call him or herself a financial analyst, financial advisor, financial planner, financial consultant, investment consultant or wealth manager, warns the Financial Industry Regulatory Authority (FINRA).
 
In fact, an individual could drop out of high school, rent some office space, pass a FINRA general securities exam and be selling stocks—all within a couple of weeks. While exams such as the Series 6, 7 and 63 satisfy the industry regulatory requirements, they do not offer the advisor experience when it comes to real-life situations.
 
The financial industry is also rife with professional designations, many of which can be obtained with little or no effort. However, it does have three leading certifications that have significant educational and ethical requirements:
 
A Chartered Financial Analyst (CFA) has a wide range of expertise in securities, financial analysis, investing, portfolio management and banking. The testing regimen for this certification is long and rigorous.
 

A Certified Financial Planner (CFP) must hold a bachelor’s degree and must have completed “a college-level program of study in personal financial planning, or an accepted equivalent.”
 
In addition, a CFP has booked at least three years of industry experience and passed a series of comprehensive tests, abides by a code of ethics, and meets continuing education requirements. You can check the CFP Board’s website to verify that your advisor or financial planner belongs to this group.
 
A Chartered Financial Consultant (ChFC) holds a certificate that uses the same core curriculum as the CFP but does not require a comprehensive board exam and does not require that he or she abide by a code of ethics.
 
The latter two are often considered best for creating a general financial plan. If you are looking for someone with more of a retirement focus you may want to seek out a Chartered Retirement Planning Counselor (CRPC), who have completed intensive training in retirement planning through the College for Financial Planning.
 
If your concerns are dominated by taxes, try a Personal Financial Specialist (PFS) who is a CPA but has also undergone additional education and testing, thereby offering more expert financial planning qualifications. For insurance and estate-planning matters, you might want an advisor who has attained mastery as a Chartered Life Underwriter (CLU). 

FINRA's Broker Check Site

You can check for any regulatory blemishes on the advisor’s record at FINRA’s broker check site. One thing to keep in mind, however, is that an isolated complaint or infraction does not necessarily mean that the planner is dishonest or incompetent.
 
Any charge brought against a broker or planner will go on the person's record, regardless of whether the planner is in the right. But if the record shows a long-term pattern of violations, customer complaints or charges of a serious nature, then you should probably find someone else.
 
Importance of Fiduciary Standard

Whatever sort of services you need, make sure that advisor is held to fiduciary standards, which charges them with the responsibility of acting in the best interests of an investor. In the investment world, RIAs are required to abide by a fiduciary standard; stockbrokers generally only have to abide by the less-rigorous suitability standard.
 
However, the Department of Labor's Fiduciary Rule partially phased in on June 9, 2017, greatly expands the types of professionals who are expected to comply with fiduciary standards.
 
Registered investment advisors are either registered with their state of residence or the SEC. They are regulated under the Investment Advisors Act of 1940.
 
Questions to Ask
 
Once you've identified a firm or individual to work with, make sure you understand all of the services that are available. At a minimum, consider the following:
 
Will they track your investment cost basis for you?
 
Can they file your tax return and help you with other tax-related questions?
 
Do they look at insurance products including life insurance, long-term care, and annuities?
 
Can they help you plan your estate and distribution of wealth?
 
Will they refer you to another professional if the firm cannot provide the service itself?
 
Is there a succession plan, in case something happens to your advisor? 

Ask About Communication
 
It’s also important for clients and prospective clients to understand how their financial advisor communicates with clients and the frequency of those communications. How often will you meet to review your portfolio and your overall situation? Quarterly, semiannually, annually or as needed?
 
Will these meetings be done in person or perhaps over the phone, or via a service like Skype? It's becoming more and more common for clients to work with their financial advisor remotely.
 
Additionally, does the advisor typically communicate by phone, email, or perhaps text message? Any or all are fine, and both your preferences and the advisor may be based on your age and digital comfort level.

Ask About Financial Expertise

It's also good to ascertain if your situation is typical of the advisor’s client base. For example, if you are a corporate employee looking for help planning for the exercise of your stock options, you should ask the advisor about their knowledge and experience in dealing with clients like you.

A financial advisor who deals primarily with clients at or nearing retirement might not be a good choice for you if you are a 30-year-old professional looking for a financial plan.
 
The Bottom Line

Good financial planners and advisors are compared to "life coaches" because they can help you with many of your complex financial decisions throughout your life.
 
A financial advisor can offer tips on buying a car, saving for college and refinancing your home mortgage, just to name a few. They deal with other financial professionals on a daily basis, and they typically know if you're paying too much for something or not getting a competitive rate.

Great financial planners will not only help you make money on your investments but will also help you reach your goals, avoid undue investment risks, and save money on insurance and other major decisions throughout your lifetime.
 
To maximize your experience with your planner or advisor, you should meet with the person regularly, share your concerns and goals, and allow your advisor to review all of your financial and legal documents regularly.
 
https://www.investopedia.com/updates/find-financial-advisor-planner/

Nesara info and The "Hidden Secrets of Money Series" From our Archives

Over the next few days Dinar Recaps will be posting Exchange Tips and information from our archives for our newest readers that may be helpful for you at our exchange appointments and Post RV. Not all questions or information may apply to you and your personal situation…..Take what you like and leave the rest:  Some you may want to save for your own personal records! We hope all our dreams come true very soon ~ Your Dinar Recaps Team

What is Nesara????   Many sites are talking about it……here is some information

Information about NESARA:

A law was passed in the United States in March 2000 and signed into law in October of 2000. This law is called N.E.S.A.R.A. – National Economic Security and Reformation Act.  All politicians and media members are under a gag order to not speak of it publicly until it is officially announced. This new law will first be enacted in the United States and eventually will be rolled out across the world. The law provides:

Forgives all credit card, mortgage, student loan and other bank debt due to illegal banking and government activities

Dissolves the IRS and ends all income tax

Creates flat rate non-essential “new items only” sales tax (food, medicine and all used items will not be taxed)

Increases benefits to senior citizens

Returns Constitutional Law to all our courts and legal matters – re-trains all judges and attorneys in Constitutional Law

Provides for new representational elections within Constitutional Law.

Monitors elections and prevents illegal activities of billionaires and special interest groups

Ends the Federal Reserve System and begins a new US Treasury bank system  that follows Constitutional Law

Creates new US Treasury currency backed by gold, silver and precious metals,ending US Government bankruptcy. This will initiate global economic reform.

Restores financial privacy

Ceases all aggressive US Government military action worldwide

Leads to peace throughout the world

Enables release of over 6,000 patents of suppressed technologies and enormous sums of money for humanitarian purposes

The provisions of the National Economic Security and Reformation Act have been composed by visionaries who wish to correct past wrongs against the people in the United States. It is supported and inspired by statesmen around the world, as well as off-world, as a vision for global peace, freedom and prosperity.

Source: http://www.ashtarontheroad.com/nesara-flyer-2-8-16.html

Further information about N.E.S.A.R.A. history at these sources:

http://2013rainbowroundtable.ning.com/page/history-of-nesara-1  

www.ashtarontheroad.com/history-of-nesara.html

https://freedomforhumanity2016.wordpress.com/tag/nesara-gesara/page/12​/

A very good series to watch to learn the history of money/currency……

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

Security and Privacy Tips and Suggestions - Now and Post RV

From Recaps Archives

Post RV- We all need to think "Security" Take what tips meet your own individual situation and discard the ones that don't........

Information Security & Privacy for the Dinar Holder …You can have Security without Privacy, but you can’t have Privacy without Security!

Personal Security Checklist for Home, Business and Vehicle

A. Home

· Do not put your name on the outside of your residence or mailbox.

· Have good outside lighting.

· Control vegetation to eliminate hiding places.

· Entrances and exits should have Solid door with deadbolt locks.

. One way peepholes in doors.

. Bars and locks on skylights.

· Restrict the possession of house keys. Change locks if keys are lost or stolen
and when moving into a previously occupied residence.

· Lock all entrances at night, including the garage. Keep the house locked, even if
you are at home.

· Develop friendly relationships with neighbors.

· Arrange for an unlisted home telephone number (limits accessibility to home
address).

· Don't leave notes on doors.

· Don't hide keys outside house.

· Use a timer to turn lights on and off at varying times and locations.

· Leave radio on (best with a timer).

· Notify the police or a trusted neighbor of your absence.  

******

B. Business

· Install deadbolt locks on office doors leading to hallways and other public areas.
Consider installing a "buzzer" entry door system.

· Managers should issue and control keys, conduct semi-annual inventories, and
have locks changed when keys are missing.

· Have offices cleaned during the day.

· Instruct all employees on operation of your security system.

· Make certain that cleaning personnel do not have access to security alarms or
authorization to turn them on or off.

· Do not allow visitors access to secure areas.

· Do not allow persons visiting one office to have access to other offices or areas.

· Immediately report persons who appear unannounced in your work area or who
say they "opened the wrong door" or "were looking for another office."

· Do not admit unexpected repairmen or deliverymen.

· Check with a reputable security company for information on available equipment
and services.

Many local law enforcement agencies offer free home and security surveys. You should contact your local precinct, substation or office to avail yourself of this service.

C. Vehicles

· Do not use "vanity" plates that identify you by name or business affiliation.

· Do not have your name or official title displayed at your office parking place.

· Keep vehicle in good repair -- you don't want it to fail when you need it most.

· Keep gas tank at least half full at all times.

· Park in well-lighted areas.

· Always lock your car.

· Don't leave your car on the street overnight, if possible.

· Never get out without checking for suspicious persons. If in doubt, drive away.

· Leave only the ignition key with parking attendants.

· Don't allow entry to the trunk unless you're there to watch.

· Use a remote garage door opener if available. Enter and exit your car in the
security of the closed garage.

· Before leaving buildings to get into your vehicle, check the surrounding area to
determine if anything of a suspicious nature exists. Display the same wariness
before exiting your vehicle.

· Before entering vehicles, check for suspicious objects on the seats and floor.

· Guard against the establishment of routines by varying times, routes and modes
of travel.

· Avoid isolated roads and dark alleys.

· Know locations of safe havens along routes of routine travel.

· Habitually ride with seatbelt buckled, doors locked, and windows closed.

· Do not allow your vehicle to be boxed in; maintain a minimum 8-foot interval
between you and the vehicle in front and avoid the inner lanes.

· Be alert while driving or riding.

· Know how to react if surveillance is suspected or confirmed.

· Circle the block for confirmation of surveillance.

· Do not stop or take other actions which could lead to confrontation.

· Do not drive home if you think you are being followed.

· Get description of car and its occupants.

· Go to nearest safe haven. Report incident to the local police.

· Recognize events that could signal the start of an attack such as:

  . Cyclist falling in front of your car.

  . Flagman or workman stopping your car.

  . Disabled vehicle/accident victims on the road.

  . Unusual detours.

  . Motorist advising you of flat tire or possible problem with your vehicle.

******

Commercial Buses, Trains and Taxis

· Vary mode of commercial transportation.

· Select busy stops.

· Don't always use the same taxi company

· Don't let someone you don't know direct you to a specific cab.

· Ensure face of driver and picture on license are the same.

· Try to travel with a companion.

· If possible, specify the route you want the taxi to follow.

Question Sets to Evaluate Security & Risk

A. In the Home

· My home has good lighting.

· Doors are secured with effective locks (deadbolts).

· Do you have a peephole so that you can see who is outside without having to
open the door?

· Do you always verify a person's identification before opening your door?

· All unused doors and windows are securely locked.

· I always lock all windows and doors when I go out.

· If a stranger ask to use your phone, do you refuse to let them into your home and
offer to make the call yourself?

· Do you as a woman living alone use your first initials only in telephone
directories, on mailboxes, etc?

· Do you always ask to see Company ID before allowing a scheduled (cable,
plumbing, electric) repairman in the house?

· Do you refuse to reveal personal information to anyone on the phone or at your
door?

· Do you always have your keys ready when approaching your home?

· If you return home to find windows and doors tampered with, would you avoid
entering and go to a neighbor's house to call the police?

· Do you have an active alarm system? (active = calls in to alarm company (new
technology uses a cellular phone signal so phone lines being cut won’t affect
efficacy of alarm notification))

B. Telephone Answering

· Do you teach family members not to give personal or family information to
strangers over the phone?

· Everyone in the household knows how to call for help.

· My phone answering message does not imply that I live alone or am not home.

· Do you record only non-specific messages on your phone and avoid  messages like "we'll be back at 7 o'clock on Sunday?

· If you receive an obscene or crank call, would you hang up immediately, saying nothing?

******

C. On The Go

· Do you plan in advance to use the safest route to your destination?

· Do you choose busy, well-lit streets?

· Do you avoid routes that pass by high-risk areas, i.e. vacant lots, alleys?

· Do you avoid isolated bus stops?

· Do you walk facing traffic so you can see approaching cars?

· Do you walk near the curb to avoid the element of surprise or someone hiding between shrubs or in a doorway?

· Do you stay out of reach if someone in a vehicle stops to ask directions?

· Are you wary of approaching strangers?

· If you continue to be followed, do you flee to the nearest safe place?

· Do you try to get a description of the person and/or vehicle following you?

· Do you carry large sums of money in your purse or wallet?

· Do you carry your purse close to your body, without wrapping the straps around
your arm or hand?

· Do you avoid leaving a purse unattended, even for a moment?

· Do you avoid displaying large amounts of cash in public?

******

D. In Your Car

· Do you always lock your doors while driving?

· Do you keep windows rolled up whenever possible?

· Do you avoid picking up hitchhikers?

· Do you keep your car in good running order to avoid break downs in dangerous areas?

· Do you look for well-lit areas to park your car?

· Do you always lock your car when it is parked?

· Do you look around the car before you get out, especially at night or in deserted
areas such as underground parking lots?

· When returning to your car, do you have your keys in hand?

· Do you look in the back seat before getting into the car?

· If you are being followed, do you avoid going home and go to the nearest place
of safety instead?

E. On Campus

· Door and window locks are secure.
· Halls and stairwells have adequate lighting.
· Dorm doors are not left unlocked or propped open.
· I do not give dorm or residence keys to others.
· I keep my door locked.
· I do not allow strangers into my room.
· I do not walk, jog, or exercise alone at night.
· I use campus escort services or walk with friends.
· I know the areas that security guards patrol and stay where they can see or hear
me if possible.

If you answered "NO" to any of these questions, consider a change in behavior to increase your security, privacy and safety.

Summary

We should never wait until we have experienced a breach of our personal | private information before we react. Proactively addressing potential risks now can make any loss a non-issue to your information, assets, and well-being. Properly and robustly Implementing the products and practices mentioned in this document should mitigate, or lessen the risks we all face now, and in the future.
.
Taking stock of your security posture should become part of your daily routine.

If you hire an individual or a firm to provide bodyguard services, be sure they provide you with a list of assessment criteria that they will use in assessing your personal safety.

Do You Wonder Why We Will Get Such a Big Return When the Iraqi Dinar Revalues???

Over the next few days Dinar Recaps will be posting Exchange Tips and information from our archives for our newest readers that may be helpful for you at our exchange appointments and Post RV. Not all questions or information may apply to you and your personal situation…..Take what you like and leave the rest:  Some you may want to save for your own personal records! We hope all our dreams come true very soon ~ Your Dinar Recaps Team

If anyone is wondering how We will be getting so much money for exchanging Iraqi Dinar when we paid so little for it-Here is a GREAT explanation. Enjoy. From Recaps Archives a few years ago.

REMEMBER: The figures and procedures may have changed over the years but the basic concept will help you understand what is happening when we exchange

CONCEPT EXPLAINED:

First off, I’ll use the exchange of a 10,000 IQD note as my example. To help explain the economics of this cash-in example, I will use a 1:1 cash-in ratio between the USD and IQD, that is given a two-tier payout, and a 2% bank spread.

What You Will Receive:


If you were to cash in your 10,000 IQD note with a bank that charges you a 2% spread, you would personally receive a net take-home of $9,800 credited to your bank account.

What Your Bank Will Receive:


Your Bank will receive a $10,000 credit to its Federal Reserve Account. They will also be able to add the $200 profit to their “capital account”.

If you don’t understand the “Fractional Banking“ concept that runs our country, you may want to, as that is what this is based on, and is what is behind this entire concept and plan. To learn more about this concept, I suggest you click HERE, and go to a video post I brought to the forum previously, and posted in my “Tidbits“ section.

Ultimately, the bank wins because they are able to gain $2,000 in lending power under the 10% “Fractional Banking“ model.

What the US Treasury Will Receive:


First off, the US Treasury will receive $3,500 in estimated taxes in the quarter after the exchange, because you are now in the “rich” category and get to enjoy the 35% tax bracket. This lowers the “net cost” of the IQD exchange to the US financial system to $6,500 USD (i.e. $10,000 out – $3,500 in). Furthermore, the US Treasury’s rate is higher than the banking rate (we will use in this example 1.25), thereby further reducing their “net cost” from $6,500 to $4,000.

Oil Now Enters the Picture:

At some point, a Fed-appointed agent orders $12,500 worth of oil from Iraq. Payment will consist of a $12,500 transfer from the Fed’s foreign currency reserve IQD account to the IRAQ Oil payment account at the CBI in a form otherwise known as PetroDollars/PetroDinar. Even though the world spot price of oil is defined in terms of USD, the actual transaction may take place in any internationally recognized currency agreed to by the parties. For example, Iran only accepts Yen from Japan for their oil orders, because they don’t want USD in their foreign currency reserves.

How the CBI “RECAPTURES” the Money:

The $12,500 order is filled with 250 barrels of oil based on the spot price on the date of the sale (for this example we used a $50 USD spot price). What does it cost Iraq to produce the oil to fill this order? Well they have negotiated productions agreements for approximately $1.50 USD/barrel. From that price $.50 USD goes to the national Iraqi oil company who is the partner in the field the oil came from. Out of the remaining $1.00 the other oil field partners have to pay the Iraq government a profit tax of $.35 USD (35%). The net cost to Iraq to produce a barrel of oil used in this scenario is $.65 USD. (i.e. $1.50 – .50 – .35)

What does all that mean? It cost Iraq $162.50 to bring back a 10,000 IQD note! Can they afford that? I think so! So, instead of paying out $12,500 for a 10,000 IQD note, they only pay $162.50! That doesn’t add to the money supply much at all does it! They receive their IQD back and place it in the CBI, or destroy it.

The transaction is completed with the Federal Reserve exchanging foreign reserve credits which are equal to $12,500 USD (which had a net acquisition cost of $4,000 USD for the US) for 250 barrels of oil (which has a TOTAL COST to produce of $162.50 USD for Iraq.

More completely explained, and simply put, it cost Iraq $162.50 USD from their foreign currency reserve accounts to redeem the value of 10,000 IQD, which goes into their operating accounts. At the same time the US got $12,500 worth of oil for a net cost of $4,000. That’s how it was originally planned for Iraq to RV at 1 IQD = 1 USD, with the variable being the political element (i.e. UN Sanctions, GOI actions, IMF actions, World Bank actions etc.)

Other Factors that Strengthen Iraq’s Position and Ability to RV:

• DFI Funds Returned & Other Assets: $280+ Billion USD, plus other frozen assets (estimated at $100 billion) will be returned back to Iraq and added to their foreign currency reserve, bringing it up to $430+ billion USD.

• CBI IQD Reserve Requirement Adjustment: The CBI will change the current fractional IQD reserve requirements from 100% to 15% at the appropriate time. As a result, the the total potential money supply will be raised in value to $2.8 Trillion (430 billion/15), while at the same time, the total physical IQD in circulation will be reduced by removing the large bills with the 3 zeros over a period of 2 years, as they have indicated.

• Oil Production Increased: Iraq will also execute the plan they announced to increase oil production from 2+ million barrels/day to 10 million barrels/day with the resulting revenues flowing directly to the Iraq treasury.

• Oil Futures & Forex Contracts Added: To further stir the pot, the CBI will continue to use it’s sales window to market oil futures and forex contracts. They have shown they can generate significant cash flow in the private market. Think of their impact in public markets.

There, my friends, is how this plan will be enacted and made possible. Taking NOTHING, and turning it into SOMETHING, then bringing it back to a “manageable and reasonable something” that is accepted and supported by seeming endless supplies of oil. This is how the world’s ENTIRE NEW MONETARY SYSTEM will be regenerated and supported and backed, given, in essence, a re-birth and renewed for most governments and economic regions… even by “Black Gold”.

So, here’s the summary for all the “players” involved, giving ballpark numbers, and not taking into account superfluous costs, fees, and other small details that don’t really affect the larger picture:

• Investor’s Net Gain: $10,000 – $200 = $9,800 x .65 = 6,370 for an investment that cost $10
• Bank’s Net Gain: $200 added to “capital account”, plus $2,000 they can use to loan out.
• US Treasury Net Gain: $2,500 from the .25 spread on top + $3,500 in quarterly taxes = $6,000
• CBI/GOI/Iraqi People Net Gain: $12,500 – $162.50 = $12,337.50 + Profits from “Other Factors”
• Overall Net Gain for All Involved: $6,370+$200+$6,000+12,337.20 = $24,907.20

This is the wealth that was generated from a single 10,000 IQD note that was given an original value of approximately $10! Is that amazing or what?! You tell me… can Iraq afford NOT to RV?!!! Will the IMF allow them to NOT RV their currency, but simply replace their large denoms for smaller ones?!!! LOL!!!

In this scenario, EVERYONE WINS… and the IQD is slowly (over 2 years) taken back in to the CBI… eventually destroyed, leaving a manageable M2 behind, having created HUGE WEALTH throughout the world to re-supply what was allowed to be destroyed in the “great bleed” over a period of just a few weeks a couple of years ago, even the greatest redistribution of wealth the world has ever seen.

Believe it or not, it has happened for this very purpose, and it IS coming!

For the people who do not understand how this can happen $$$$ posted by FREEWAY BILL

Let me just say that I am not a guru. I do not claim to know when the RV will happen or what rate it will come in at. Does not matter. So many people have used the abundance of money involved makes it impossible for it to happen.

Let me give you some things to ponder:

There were originally 30 trillion dinar printed. Well over 80% of that amount has been accounted for and is in the hands of Iraq. That leaves 6 trillion dinar out of which US, China, Russia, Brazil and other countries hold a substantial amount of these in their countries. So let us say that there is 1 – 1.5 trillion is out in the hands of regular people, trusts, etc. How could Iraq possibly cash in this much at one time?

They can’t! Or Can They?

China and the US have signed agreements that they each will take all of their dinar and all that they cash in from their citizens in OIL @ an agreed upon rate of $32.00 per barrel for however long it takes. Now taking the total of 6 trillion that is supposedly out there which would be multiplied by the rate that we will set at $ 4 just to go from a number of some kind.

So now we have $ 24,000,000,000,000! Seems like an amount that just will not be possible? Read on.

24 trillion dollars will transform to 750 BILLION barrels of oil @ $32.00. That is what it will cost Iraq to payoff. That is still a lot of money, right? Well, considering that one barrel of oil cost Iraq less than $ 2.00 per barrel to process which means that Iraq can pay off ALL of the Dinar still out for $1,500,000,000 while coming out of sanctions, becoming a powerful country and a part of the UN and WTO and go forward.

 Being that this RV would basically make it so the US will be able to pay off most or all of their national debt along with the other countries involved would be doing the same making the World Economy would get a tremendous shot in the arm and everyone would be on a better playing field meaning World trade would be enhanced and the US and China emerge as the strongest and Iraq comes out as either the richest or the 2nd richest country in the world.

So, my friends, the RV can happen and actually if you take Iraq’s assets, it could actually justify RVing at upwards of $ 8 – $ 12 and this calculation would work and still leave Iraq with a smidgen of debt compared to the assets they have.

So rest assured that there will BE NO LOP because it is not necessary and it would deflate this entire plan and not help anyone and Iraq would not emerge as a stable government or friend to anyone.

So, poke holes in this if you wish. I would be interested to see what anyone can come up with that will change these numbers. I am not a genius, just an investor that has to reason out everything I invest in to see where the return can come from and how much it can actually reasonably be…

I didn’t come up with this plan, but whoever did was a genius. This is historic. People have said to me, “How can you invest so little and gain so much?”

Well, not in our lifetime has any country been completely destroyed, government and all with the agenda to build it back up. This plan was IMO in place before the first boot hit the ground in Iraq. It all makes sense.

Please feel free to credibly pick this apart if you can. I have studied this to no end and I keep coming up with the same numbers.

GOD BLESS THE USA :   FREEWAY BILL,