Cheat Sheet For Exchange Appointments with Supplemental Information from Fleming

Note: These instructions may not pertain to any private groups who may have their own individual instructions ……..

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

The information in this document is based on the most recent information available. It is not intended to be the authority on the GCR/RV or appointment process. It is expected that there may be changes once final instructions are received.

This information is based on exchanges/ redemptions done in the USA. Each country will have its own process and information should be available for all once notifications have been issued.

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

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

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

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

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

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

Follow the instructions provided in the email.

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

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

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

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

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

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

What to bring to appointment:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

When you get to the actual exchange process:

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

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

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

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

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

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

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

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

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

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

Each person will be given a US Treasury Account

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

Below are some questions to ask and some may not be necessary under the new banking system:

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

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

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

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

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

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

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

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

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

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

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

DEFINITIONS

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

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

Types of Rates:

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

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

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

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

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

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

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

Not all currencies have contract rates.

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

NDA – Non-disclosure agreement

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

How To Deal With Sudden Wealth Syndrome and Manage Newfound Riches

From Recaps Archives

How to Deal With Sudden Wealth Syndrome and Manage Newfound Riches

By Amy Livingston

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

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

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

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

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

What Sudden Wealth Syndrome Means

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

Effects on Finances

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

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

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

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

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

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

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

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

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

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

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

Effects on Relationships

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

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

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

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

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

How to Deal With Sudden Wealth

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

Protect Your Wealth

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Protect Yourself Emotionally

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

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

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

Protect Your Relationships

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

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

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

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

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

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

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

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

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

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

Possible Exchange/Redemptions Instructions Summary 5-16-2021

From the Restored Republic via a GCR: Update as of Sun. 16 May 2021

Judy:  Exchange/Redemption Instructions Summary

The below is a summary of information put out by reliable sources. As things change on a daily basis the below may not be totally accurate. Be sure to follow the information given on your email notification and the Secure Link Website.

It is my understanding that the Secured Link Website, 800#s, setting of appointments at Redemption Centers and banks, plus being able to chose the location and time for your appointment would apply to all currency and Zim holders worldwide.

Each country will have their own set of procedures they have to follow. There will be instructions on what to do in the emails. Some countries will be doing exchanges through the mail, others strictly through the banks.

Exchange/ Redemption Appointment Notification:

Email notification through secure mail servers will be sent to those who bought foreign currencies or Zim bonds at reputable dealers.

Inside those notifications will be exchange/ redemption instructions that would direct you to a specific website, or personal 800 number.

Banks will send out email notifications (WF, BoA, Chase). They have been adding to the email list for years. Emails came from dealers who sold on-line, and they update that daily. Information is on secure servers. When anyone purchases currency and/or Zim from a licensed dealer you email address was supplied to the US Treasury, along with the amount of the currency/ Zim.

For the last couple of years there have been background checks on everyone that has purchased currency/Zim. The background check included any names that may appear on any of the numerous lists of gang members, organized crime, etc. Also there is a very basic check that is done to see if there are any outstanding warrants or pending charges. Those checks have been done on 99 percent of all currency/Zim holders.

If you did a crime that was against humanity, murder, rape etc., – you will not be able to exchange. Just because someone has been convicted of a crime, may not be prevented from exchanging as long as it did not involve moral turpitude. If you are connected to a crime family, murdered someone, gangs, etc. – you won’t be able to participate. Your family will be prevented as well. 99% of people with currency have had background checks done already. The only ones they can legally do – is with those with outstanding warrants. If you are not connected to crime families, drug dealers, you can participate.

Safelink Website:

If you did not get an email or have changed your email address you could go to a Safelink Website to obtain the same information. The SafeWeb link will be posted on various sites, including the Blog, MZ, Dinar Recaps, Fleming’s Telegram, Discord and Intel on word press.

The SafeWeb link will work for Canada. RBC taken over by another bank and will be handling it. Link will work for Canada. 800 numbers work for Mexico and Canada and may even work for other countries.

On the SafeWeb link you will not be talking to a live person. You will be asked questions based on information that is publicly available. There may be 4-5 questions. They may ask if you have currency, Zim or both –just answer. They do not care what you have – they just want to get you the correct number. They will not ask you what currencies you have. If you do not have Zim, you will go to one place. If you have both you may go to another location. There are different situations. You do not need to provide how much you have or serial numbers.

Once you successfully answer questions you will then receive an 800# specific to you. Part of that number could use part of your phone number or part of your IP address. Once you make appt. that 800 number is not good again.

Your appointment would be specific to you and no one else.

If another member needed to make an appointment then they would go thru the same process as you to obtain their own appointment.

You could give the Safelink Website to anyone, even if they didn’t know about the RV/GCR.

No one is going to get a higher rate than anyone else if you are getting your notification off the Safe link Web Sites.

Preparing for your appointment:

You will have only one redemption/ exchange appointment where the main purpose is to exchange currencies and redeem bonds. The appointment will be short and efficient. You can discuss details in a second appointment with your Wealth Management team.

Have your currency in order and take every currency and Zim bond you have to your appointment. They will exchange it all and redeem all Zim Bonds.

Have a 1-2 page summary – key points – of your Humanitarian and job creation projects.

Organize your currency by country and from the highest to the lowest.

Have two forms of ID: Drivers License, Passport, Birth Certificate, etc.

Have proof of where you live such as gas bill, electric bill, bank statement, etc.

Judy Note: If you are homeless I would suggest having yourself and someone who knows of your situation and who could prove their own identity, sign a notarized statement about your situation. Most banks provide free notary service.

Non Disclosure Agreements:

The Non Disclosure Agreement (NDA) is a fundamental process in ALL big contract business. Remember that you are about to become “a Ultra High Net Worth Individual” and your Non Disclosure Agreement forbids you from:

1. Talking about your appointment.

2. What you are exchanging.

3. What rates you achieved in any format whatsoever ever.

The first brief NDA would be signed electronically and generated by the Safe Link Website from which we will get our T4B 800#s to make our exchange-redemption appointments.

The second NDA would be signed in hard-copy at the exchange-redemption appointment.

All calls and voicemails will be recorded, all phone call logs are logged, all text messages are recorded, Twitter is monitored (if active), Facebook is monitored (if active), all social networks and forums are monitored, all devices are connected to departmental systems of the Federal Government and they will be looking to cancel redemptions for anyone who breaks the Non-Disclosure Agreement by discussing the RV exchanges, their appointments or redemptions etc.

These will approximately be 90 days (possibly longer ) NDA’s

Certain words will not be allowed to be mentioned. If you need to speak to specific friends, family or anyone related to your projects, make sure to add them to your NDA addendum/ exemption paperwork. Be careful not to send unnecessary messages or information that goes against the law. These are legal agreements we are signing! Avoid sharing confidential information with your friends and family. Even telling your children puts you at risk….be very careful!!!  Be aware of your surroundings. Everything you text, write or say can be used against you because of your NDA. Don’t take any chances.

IF YOU CONTRAVENE THIS NDA YOUR FUNDS WILL BE FROZEN AND CONFISCATED.

This will come into effect as you complete information on the Safelink website.

There are some mechanics within the Safelink website that requires you to agree to NDA before you receive the 800 number to call.

If you are taking a guest with you to your appointment, tell the phone operator. They will be required to also sign NDA and ask them to bring their KYC documents.

You will not get responses from any mods/admin.

There are exemptions to your NDA who need to know this information and are hell bent on knowing proof and source of funds eg. lawyers, wealth manager, accountants etc. They are already covered with confidentiality within their professional registrations. But that doesn’t mean that you can’t get them to sign another one with you directly.

Ask your banking team to let you have an NDA template that you can use back to back with yours. Print out several copies.

When you get to the appointment you will be re-signing the NDA in wet ink. Ask if you can add a short list of exemptions, eg spouse kids etc. Take that list with you and make sure it is attached to the NDA before you sign it.

Your Appointment:

Bring in all of your foreign currencies. If you have currency that is not part of the 22 currencies, it can be placed in a multicurrency account and exchanged when rate changes and will be done automatically.

Military will exchange on bases. Tier 4B will be going to Redemption Centers because of the amount of currency and have been set up specifically for that.

At one point they were going to show a video and now they are not. They could run everyone through in 3 days if they worked 24-hour days.

At all times be polite, don’t get angry, don’t be demanding or you will be escorted out the door and you will lose your chance to redeem or exchange. 

If anything is not clear to you, ask questions.

You and anyone you take with you to your appointment will have to sign a Non Disclosure Agreement that you will have to abide by or your accounts will be frozen. Once you sign NDA – keep your mouth shut or you will have funds removed. Do not talk to relatives, what you got paid etc. That is a no-no.

You may have to fill out a KYC (Know your Client/Customer) form, if you have project summary/outline, or job creation.

You will sit there till they call your name. Because of Covid will not be able to shake hands.

They will count your currency and Zim so you know what you have.

Then they will make offer on Zim, not much conversation. You can either accept or reject. We do not know what the default rate is. If you want higher rate, will set another appt either that day or different day.

They will go through your overview of your humanitarian project to see if you know what you are talking about. You will be given opportunity to negotiate a rate for the humanitarian project.

The appointment will be about 15-20 minutes. You will go back to meet with WM (Wealth Managers), may be able to do the same day.

At your appointment you will be given $9,000 in cash and a preloaded debit card with 2% of your exchange on the card up to 10 million.

You can talk with WM they can get letters to show you have funds for purchases. You will do most things at 2nd meeting, within 15 days.

The money will be digital but will be able to draw funds from ATM or bank. They are still working on the details and we may not know until we go to appointments.

You don’t have to have a trust account to go in. The bank has a skeleton trust – and puts the bank in charge until you can get into a common law trust and then you are in control. This is why you set an appt. within 15 days after exchange.

At your appointment your monies will be put in a Skeleton Trust. You will have 90 days to transfer your monies out of that trust to where you want it to go.

After your appointment you will want to open one non-interest bearing account for each Currency & Zim. You can work with your lawyer or Wealth Management team to place the monies in trust accounts.

You will be assigned a Wealth Management team that will facilitate your humanitarian projects and advise you on how to manage and grow your money. 

Get signed original copies of everything at your appointment and sign CONTINGENT on approval from your Wealth Mngmt Team.

Tier 1 Banks: Chase, 5th Third, Citi, Wells Fargo, BofA, HSBC

Abide by your Non Disclosure Agreement or all of your monies will be frozen.

Stay hidden. Do not disclose your wealth to anyone. Sudden wealth can ruin your life if you allow it to.

Humanitarian Project:

If you have humanitarian projects, then do not accept default rates on either Zim or currency. You will use your Wealth Management Team to negotiate rates needed to do your project.

If you have a humanitarian project you will take your bulleted outline to your appointment and leave a copy with them. If you have spreadsheets showing budgeted amounts, include that as well.

Key magic words for Humanitarian Projects: Job Creation, Local, National and International Humanitarian, Philanthropic, Global Healing, Multi-Generational, Work with the Government on National Infrastructure.

Taxes:

These exchanges and redemptions were considered tax free events. Though, any interest you earn on monies left at the bank during your payout period would be taxed.

Exchanges/Redemption for those 70 and over:

Is the “over 70, walk-away” rate still in play? Yes. Basically, they will offer you a deal. You do not have to set up a long term payout unless you so wished. This used to apply age 65 and over, but has been changed to age 70 and older.

Currency Exchange/ Bond Redemption Rates:

The exact exchange or redemption rates will not be published until exchanges begin, so you will not be privy to the information until you reach your appointment.

Zim Redemption:

If you have Zim, you will be offered a default package. The Default Rate for the Zim is on a sliding scale in the US. It all changes. It may be different in other countries.

With the default rate/package on Zim you do not need humanitarian projects.

There will be a default package on the Zim. If you don’t like the rates and have a Humanitarian project you can negotiate for higher rates depending on needs of your project. You do that at a second meeting with your Wealth Manager using your humanitarian project presentation.

If you have Zim, then you will not get Contract Rates on Currency (Dinar, Dong). You will get the International Rate. It will be high enough; you may not need Contract Rates.

The monies will go into a trust and structured payout and can go up to 100 years.

Is there a limit of 2 – ZIM then reduced rate for additional Zim notes? At one point they said 10, then 5 (100T) then said 2. None of this is verified as of yet. I have been told no limit. It will be a negotiated rate if you have 10. You can negotiate on 1 note. Nothing is written in concrete.

If you have Zim you will not get Contract Rates on your currency.

Set up a structured payout with the Zim where you live off the interest… between 60 – 100 years. (80% MUST go for your own or national and international Humanitarian projects that they will present at your appointment.)

On the Zim Notes:

About 90 days prior to the end of last year, Zim swaps (mainly in Zurich and Hong Kong) were stopped. Crime families had trunks and box cars full of Zim, much of which was found to be counterfeit. Their swaps were to go to humanitarian projects. No one received funds. They bundled the Zim and sent it back to Zimbabwe. There have been no new Zim notes turned in since that time.

The Chinese worked out a deal with Zimbabwe on the Zim Bonds. The Chinese are the buyers, and we are the sellers.

Only Zim notes that are 100 Trillion and lower will be redeemable.

The quintillion Zim and Gold Zim notes (no serial numbers) are not redeemable. They are most likely counterfeit. If you try to redeem them it will be confiscated. All you will be doing is assisting crime families.

These Quintillion Zim and Gold Zim notes are being brought in by platform traders and have been trading for awhile due to an insurance company that actually insured them all. Some of these are starting to show up on eBay and other places.

There are bad actors out there that know we are close and trying to get your money and you are the one who gets into trouble. They will continue to be a problem as we get closer to the end of this journey.

You want to be purchasing bonds and currency from licensed dealers. Many on eBay are not licensed.

Some gurus are selling currency on their sites – and that has gotten some into trouble if they are getting paid for doing that.

If a person was a non-violent felon, they will be able to exchange.

Dealers need to be registered with the UST. (Registered Numismatic dealers are professionals).

If you do not make it in to exchange within the 10 day window you will receive the street rate.

Each country has its own procedures that have to be followed.

You are not prohibited from doing humanitarian projects. You will have a higher rate if you have projects. 

Currency Exchange:

If you have currency and no Zim but have a humanitarian project then you can ask for Contract Rates, amount of which depended on needs of your humanitarian project.

If you are holding millions in Dinar, for example, you may be required to have a project and structured payout.

Your Dong & Dinar will be available by the next day, and 20 % of the Zim will be in your account within three days.

Wealth Management Team:

If you have currencies, you could have multiple millions – they will want you to put that into a leveraged program and work with a Wealth Management Team and will have funds on a card.

You will set up further appointments within 15 days to meet with WM team, like Morgan Stanley as an example. There will be attorneys, realtors, secretary, accountant etc. on your team.

Part of the WM team is they have the expertise for this type of thing and for you to be able to keep as much money as well. If you have spreadsheets that you have worked out to do your projects, take them with you and show to the WM or those that will help you. There may be licensing required. It really depends on what and where you are going to be doing the projects. Some who might want to clean oceans, they may combine people to work together. It is a good idea to have an approximation of what you think it will cost. Some think they will get 100T – not going to happen. They will bundle together makes it makes it better for you in the long run.

Wealth Managers are also under NDA as well. It is like attorney client privilege. You can’t talk to any family members. There are 3 NDAs and good for about 6 months, but could go 5 years, depending on how much money you have.

Misc. Information:

When they first come out with this, some were given SKRs and made promises and some will not take place. Some people were just lied to. Back then when that group got started, there were people only getting .25 per Dinar. Some of the church groups that exchanged years ago only got a few cents on the dollar. Those that had SKRs inside Gen. 64 had a contract with rates. Zim was not in it, nor the Dong, only the Dinar. Now even those with SKRs can now exchange for more than what was on the SKRs. They are supposed to be started to be contacted.

Read full post here:  https://dinarchronicles.com/2021/05/16/restored-republic-via-a-gcr-update-as-of-may-16-2021/

Luxury Services, Tips and More for the Wealthy Person

15 Non-Obvious Signs Someone is Wealthy

Feb 16, 2020

In this Alux.com video we'll try to answer the following questions: What are some subtle signs someone is wealthy? What are some non-obvious signs someone is wealthy?

 How to tell if someone is secretly rich? How to tell if someone is actually wealthy? What are the tale-tell signs someone comes from money? How can you tell if someone is old money or new money?

How to pin-point someone who has money from a crowd? How do you know if you're dating someone rich? What are the signs someone is pretending to be rich?

What are some clues someone is actually rich? What sets rich people apart? Do rich people look differently? How do rich people act? How do you act like a rich person?

What is an example of wealth?

 What is the difference between a rich person and a wealthy person?

How do you describe a rich person?

What can make a person rich?

How can I look rich and classy?

How can I look attractive?

 How can I become rich in one year?

 How can I look rich without being rich?

How can I look more rich?

How can I become rich?

How do billionaires dress?

 How do CEOS dress?

What brands do rich wear?

Do rich people go grocery shopping?

https://www.youtube.com/watch?v=uXy-OZ2EzHI

15 Luxury Services RICH PEOPLE Use

Feb 23, 2020

In this Alux.com video we'll try to answer the following questions:

Why do the rich have personal assistants? What services do rich people use? What are some services rich only rich people can afford? What are some things only rich people have access to?

What luxury services do rich people use daily? Why do the rich have executive assistants? Why do the rich need assistants? Why do the rich have personal chefs?

Do rich people need private security? Why do the rich have private security? Do rich people have their own PR? How do rich people handle cyber security?

Do rich people have their Wealth managed by private companies? Do rich people have private jets? Why do rich people need private jets? Do Rich people have access to private airstrips?

What is a personal item tracker? Who needs a personal item tracker? How do rich people get their own personal item tracker? What does a personal item tracker do?

Do rich people have personal trainers? Do riche people have personal doctors? Do rich people have private ambulances? How do rich people get medical care? Do rich people meditate? Do rich people have their own private coach?

Why do rich people go to country clubs? Only rich people have access to country clubs? Why do rich people need private groups and country clubs? There are any elite nannies for the rich? How can one be a elite nanny? Why do rich people get elite nannies?

Do rich people have secret identitties? Do rich people have multiple passports? Do rich people have multiple identities?

How do rich people date? How do rich people get a personal life? Do rich people only date rich people? Do i need to be rich to date a rich person? Why do rich people only date other rich people?

 What services do the rich need? What do you need when you're rich? How can you tell if someone is rich?

What is the most expensive service for the rich? What services billionaires need?

https://www.youtube.com/watch?v=uYccln0Py2w

Personal Safety and Security Tips and Checklist

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.

"Remember" From Recaps Archives and "Post RV Tips

From Recaps Archives

"Remember" Post RV Tips from 30MDinar at TNT

Remember... to CHANGE your telephone number and EMAIL address IMMEDIATELY post RV! Think about every call you have dialed in to and how your telephone number has been captured and added to a list. Well, what happens to that list? Do you want YOUR telephone number out there on a "dinar holder" "millionaire" etc. list?

Remember - your goal should be to own NOTHING personally and be judgement proof. Think assett PROTECTION. Get with someone who is a licensed professional in good standing who knows what they are doing. Look in to trusts, foundations etc.

IMPORTANT: when you exchange - make sure you do NOT agree to give the bank power of attorney over YOUR money.

Remember... an opportunity of this magnitude may NEVER happen again. The very last thing you want to do is blow this one! Be smart and triple check everything.

Dont be quick to act. Be slow and calculating. Assemble a professional team of people who know what they are doing, are licensed, in good standing to advise you what is in YOUR best interest.

Remember... when you purchase a home, don’t forget about the property taxes and insurance! Be sure to calculate how much you are going to need and set it aside for however many years you expect to live in that home. Many have lost their homes because they didn't stop to plan properly and ended up not being able to afford the household related expenses.

Remember... one of the most powerful words in any language is NO. Keep this in mind when people approach you for money! Always keep in mind that it is critical for your long term wealth protection that you hold on to your money! Of course I am NOT saying you should not tithe and be charitable. Just be smart and very careful with your money so it will last!

Remember... after you get in to your new home... take an inventory of the contents - furnishings, electronic equipment, clothes etc. Anything that you would want replaced in the event of a fire or some other disaster. A great way to do it is with a VIDEO camera. Place that video in a safe desposit box. An itemized list is also highly recommended. Be sure to keep this list up to date to include new purchases.

Remember... make sure you properly insure your new home for both REPLACEMENT value as well as contents. Always check your coverage amounts.

Remember... people with NO money always want to join forces with someone who has money. The problem is... they usually are only interested in taking your money and rarely can they offer any value.

Remember... if you plan to hire a housekeeper, gardener, nanny or anyone to do anything in or at your home... ALWAYS check references and make sure they are bonded, insured etc. You've got to think like those who would love to cheat you out of your money and stay many steps ahead of them.

Remember... to contact each of your monthly utilities providers and ask them to add a password to your account. This means they will not give out any of your personal information without getting the correct password that is on the account. This is CRITICAL. This is a very simple and basic way crooks get access to your home address.

Remember... be very AWARE of strangers and / or inviting ANYONE whom you don't really know to your home. It;s easy for people to make claims - especially when their goal is to file a claim against your home owners insurance policy or against you etc.

There are PROFESSIONAL CROOKS that prey on people with money because they see you as a payday. Think about the PROFESSIONAL FALLERS who slip and fall in the grocery store and then file a lawsuit against the chain. 

And be especially careful when driving an expensive car, if others have the right of way, make them take it , don't let them wave for you to take it. They could run into you and you would be at fault.

15 Things To Do If You Get Rich All of a Sudden

In this Alux.com video we'll try to answer the following questions:

What should you do if you gen rich all of a sudden?

What do to if you inherit money?

How to manage a large sum of money?

What should you do if you get rich?

What do to if you win the loto? How to manage wealth?

How to get wealthy? How to maintain being rich?

How to keep your wealth? How not to lose money?

Why do people go broke after they went rich?

How do people lose money?

What if you inherit a fortune?

I just inherited a million dollars, what do I do?

How to you being investing money?

What you should know about money?

https://www.youtube.com/watch?v=TVJOyArnq3s&t=8s

10 Best Islands to Buy Property Without Taxes -Post RV Ideas!

10 Best Islands to Buy Property and Retire

Skerry Harry:  Dec 13, 2020

When defining the best island destinations to buy property and retire, it’s necessary to understand the criteria along with considerations of personal needs and tastes.

 To some, the best is the most luxurious and indulgent regardless of price. To others, the best means value — getting the most for bang for your buck.

The best climate, scenery, location, health care, and things to do also come into consideration.

Many international islands offer incentives to expats and welcome them as long as they can prove a minimum amount of income or savings.

From prices for housing and local cuisines to distinct, cultural qualities, each island is unique in its own way.

So, here are 10 best islands to buy property and retire.

https://www.youtube.com/watch?v=8XCUIYreH60

10 Places to Buy Property Without Tax

Skerry Harry:  Feb 10, 2021

Property Tax is a tax that is usually levied upon an individual’s property. Property Tax can be observed most commonly in the cases of Real Estate.

The Property Tax is collected by the Tax authority in the region of that respective property’s location. This means that the Property Tax can be collected at various levels such as Country, Region, State, or even a Municipality. But, there are quite a handful of countries that do not impose the property taxes upon their individuals.

 The main reason why countries would remove the property tax system is to grow economically and financially by attracting foreign investors and property owners.

These countries have very low tax rates applicable to properties to no taxes at all.

So here are 10 Best Places Without property tax.

https://www.youtube.com/watch?v=lDlYqz3E9eI

Fleming: Possible Exchange Appointment Proceedures 3-18-2021

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

Fleming Thursday RV/Exchange Appointment Update

Good morning I hope that everyone is doing well.  There is a lot of confusion out there at the moment and it can be hard to understand.  For those of us that have been involved in this for a while it is starting to sound like a replay of what we have been hearing for years.  

We are told that everything is ready and waiting to go, all funds are in place and we are just waiting for the 800 numbers and/or safe link web sites.

 The safe link web sites were brought into this because of all the fraud that was going on concerning the 800 numbers.  The safe link web sites have been working and the servers for the safe link web sites are located in various parts of the world to prevent the servers from being hacked.  

Safe link website servers are located in China and the United States and all of the servers are all supposed to be able get on line any minute.  We will be emailed a link that everyone will be able to access worldwide.  

 The information that you will be asked to provide will come from public information once you have answered the questions then you will be provided with an 800 number that will be specific to you.  You will then be able to call the 800 number provided to you to set your appointment.

 One you have made your appointment then the number will be no good it will expire.  The safe link web site will be available from several Intel providers.  It will be the same web link address for everyone that is involved in this process and will take you to a secure site that is encrypted.  There has been several test runs on the end result is that the links are all working and ready to go.

 We hear a lot of information from Intel providers about rates and the only thing that can be said about that is we will not know what the rates are until we have our appointments and are sitting in the exchange/redemption centers then we will know for sure and not until them.  

What you are going to be needing to bring with you

 1.  Two forms of identification

 a)  Drivers licence

    b)  passport

    c)  Birth certification

 2.  Proof of where you reside

   a)  utility bill

    b)  Cable bill

 3.  All of your currency

    a)  Break it down by country

    b)  highest to lowest

    c)  a complete list of your currencies

 4.  If you have a project then a 3 - 5 page outline

 5   At all times be polite, do not get rude or demanding….. be polite

 We are also being told that if you have Zims then you may not be eligible for the contract rates.  We do not know that for sure until we are talking with the representative that is representing the Treasury.  

We are also being told that it will $1 to $1 on the redemption of the Zim and that is by agreement with the Chinese who are the buyers of the Zims that we hold.  

While it is $1 to $1 on the Zim in the rest of the world it will not be that in the United States.  In the United States it will be on a sliding scale depending on the projects that you are presenting to your wealth managers.  If you do not have a project or projects then a list of approved will be supplied for you to pick from

But if you just want to walk in and out you will be offered a package and we have heard it is different amounts.  We have heard that amounts being offered are from $11 million to $33 million on a 100T note.  We have also heard that it could go as high as $150 million.  But again we will not know for certain until we are in the exchange/redemption center.

If you do not like the default package being offered then just tell the person that you want to get a higher rate ….then they will refer you over to someone else and then you will have 15 days.  

You will be given a debt/credit card for 2% there will be no up-front cash.

At the next meeting you will present your projects and set up your trusts, bank accounts, and your structured account etc.

Currency

The currency is going to be handled much like the procedures of the Zim.

No one at the moment know what the currency rates are because they have not been locked in.

If you do not have Zim then you will be given the opportunity to exchange your currency at a contract rate.  The only two currencies that have a contract rate at the moment is the Dinar and the Dong.

I have said for months that in order to get the contract rate that humanitarian projects may be required and at this moment that looks like the case.

Also that if the total amount of currency reaches a certain that you may be required to have a structured payout.

You will still be given 2% of the total and a $10 million dollar for 15 days in order to get you to the wealth managers to set up your trusts, projects, etc.  for those that do not have a common law trust.

If you have a trust then you can have funds deposited into the trust.

They want you in and out as quickly as possible

There are three documents that you will have too sign.

We do know that you will be required to sign a non disclosure agreement.

Possible Bank Perks To Ask About At Our Exchange Appointment

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

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

1. No fees ever for foreign currency exchanges

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

3. Family Office Services

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

5. Discounts on AUM fees

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

7. No Broker fees ever

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

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

10. Provide Senior Wealth Managers/Investment Bankers for selection

11. Tax/Business/Estate Attorney & CPA

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

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

14.100% funding availability (immediate Funds) before we leave

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

16. Line of Credit available

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

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

19. Bank Trading Platforms & Repurchase Agreement Sweep Accounts

20. Short Term/High Yield Interest Rates

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

22. Access to information on great investment opportunities

23. Pre-IPO deals

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

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

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

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

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

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

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

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

32. Prime seats at charity events

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

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

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

36. ClubCorp Private Membership based on AUM

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

38. Concierge Services 24/7 based on AUM

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

40. Free Family Financial Education provided for group family members

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

"Consequences and Remedies" by Ron Giles 1-1-2021

"Consequences and Remedies" by Ron Giles - 1.1.21

Entry Submitted by Ron Giles at 2:59 AM EST on January 1, 2020

Life requires us to make decisions. Those decisions have consequences, some good, some bad; some intended and some unintended. Have we ever made a decision to do something and then later wished we hadn’t?

 If so, then we usually move on to damage assessment and then consider our remedies to fix the problem. Regardless of the outcome, decisions are a part of life and what we do in figuring out beforehand becomes a major part of the decision process.

In business, this is called risk assessment or risk management. The trick is to assess the risk before the decision and determine whether the possible negative consequences are manageable.

The RV process requires us to make many decisions prior to the actual RV appointment.

 It is our responsibility to gain enough information to be able to pick through the possibilities and come up with a plan. If the process of making a decision is easy then it is a breeze, but if not, we need to assess the risk of a negative decision and mitigate the negative consequences to our, once-in-a-lifetime-decision to be sure it is correct to the best of our discernment.

Many warnings have been given about listening to the gurus who have never been correct in giving their predictions as to when the RV is to take place. What are the risks of believing their intel when they have never been right? Add to that their endless Zim rate fluctuations and their exchange rates with Contract rates, sovereign rate, negotiated rates, front and back screens rates, ad nausium.

Is the risk assessment something we can live with or should we rethink our position and get better intel from a source that does not predict things?

One has been proven wrong and the other source seems to be using integrity as a basis of their intel. As a guru, if your source is always wrong, then why do you continue to use it as if something will change?

Your integrity comes into question when you continue to report intel from a source that never gets it right. If your integrity is intact, you would either get a new source or get out of the business. Or is there money involved?

On the other hand, the source has a chance of being right because they have not predicted something that was wrong. Which one do you give credence to? What is your risk assessment? It is important to go with the intel that has a better chance of being right.

Here are some Truths to consider:

1. There is a front door to the Redemption process within the QFS. Those going through this “Front Door” will redeem without a problem. Those who think they are special and can get in through a side door or the back door will be sadly mistaken.

2. The Alliance will have prepared a website on the Quantum computer that we can access with our computer or mobile device. Accessing the website, we put in our location information (zip code, etc.) and a local phone number will be given that we can call and make our redemption appointment.

3. Rates for exchange and redemption will be a factor of two things; YOU, and your humanitarian projects.

4. Contract rates are for group currency exchanges that were negotiated years ago for “First Basket Currencies,” if they still exist. Those contracts were made with a bank and not with the Alliance nor the QFS. There is no Contract Rates for Zim. Your rate for currencies or the Zim is negotiable, however, you will probably get what you are asking for if you are a Sovereign Humanitarian.

5. There are no contract rates for Zim, only negotiated rates. You are the Sovereign and nobody should be negotiating for you.

6. Each individual Zim Holder will negotiate their own rate according to the needs of their humanitarian projects.

7. Those Zim Holders also having other RV currencies may exchange them at the same redemption appointment. All of the funds will be deposited in your QFS account.

8. All RV/Redemption funds will be put into an individual’s personal or Trust account within the QFS. These funds will be the new gold-backed digital currencies using digital gold certificates for transfers.

9. The Central Bank banking system will be dismantled or repurposed for use by authorized agents of the QFS. A new Financial System will be put in place with branches being called Financial Service Centers. Normal banking services will be accomplished within these Financial Service Centers.

10. Due to the fact that there will be no profits dealing with money within the QFS, Banks will fail. Certain Zim Benefactors will take over all bank assets and pay the overhead and employee wages & benefits, for employees, and turn it into the new Financial Service Centers Industry.

11. The QFS will not deal with old Fiat currencies. Financial Service centers will be tasked with doing individual exchanges from Fiat currencies to gold-backed currencies. Exchanged Fiat currency will be assigned a gold certificate for use in the new Quantum Financial System.

12. Currency dealers and other financial institutions holding cash will go through reconciliation to exchange Fiat into gold-backed currencies. Not all cash repositories will be successful in the reconciliation process. Ill-gotten or illegally obtained funds will not exchange. The QFS will know the bad money and block it from being exchanged. The powers that be have been working on this for years. If funds are in a bank account anywhere in the world the QFS already knows where it came from and who owns them. If its dirty money it will not be exchanged in the QFS

13. All Zim holders will receive a structured payout for their funds. The term of the payout will be negotiated with quarterly, biannual, or annual payouts for the duration of the term. The payments you will receive will be a percentage of the principle. You can negotiate that percentage of the principle up to 10% and this will act as a quarterly budget for the use of the funds.

14. Education on the use of the QFS will be given at the redemption appointment with website addresses for continuing educational needs.

15. A Proof of Funds letter will be available for those who request them.

16. A temporary Revocable Trust document will be available at the redemption appointment for those who do not have a Trust already set up. The information can be amended after seeking a more permanent Trust document.

17. The interviewer at the appointment will be a resource for you. They will try to give you all the money you will need for your humanitarian activities. They have been trained to answer all of your redemption questions. Write your questions down before the appointment.

The forgoing is the process for your redemption/exchange. You will never be asked to give serial numbers of your Zim Bonds over the phone or to write them down to email to an alleged online redemption entity. There are some questionable heads of groups that have told their people to release their Zim Bond serial numbers to an alleged HSBC Wealth Management group. This is a fraud and a trap.

They were also told that once they give their Zim serial numbers they can destroy their Zim Bonds and wait for their debit card to come in the mail. If you proceed with these instructions the QFS will block this type of group redemption attempt. Keep your Zim Bond(s) and other currencies and go through the process of getting your own redemption appointment. Never destroy your Zim or currencies or you may not get to redeem for your humanitarian funds.

Many different sources have warned against fraudulent activities. There are negative consequences that will come to you if you follow through with this alleged safe redemption process. No one is special nor will anyone be given a priority for the redemption process – no one.

When the redemption website is activated, we will all begin our redemption process at the same time, regardless of the Tiers you are in. Those Tiers that have already redeemed would have been given SKRs and in doing so may have forfeited their chance to have liquid funds. If you think you are special and can redeem before others and get your funds there may be a reason you got to redeem and received SKRs, there may be circumstances where you will not get liquid funds.

“Where we go one, we go all,” Keep within the bounds that have been set up and you will do well. If not, all may not be lost. As a remedy, you may piggy-back on other Zim Holders who did things right. They will be looking for good people to get involved in their humanitarian work.

Maybe this weekend will be the time, but I don’t think so. The release of funds will be a pre-arranged set of circumstances and not a date. Military deceptions are part of the War and the real intel is never given out to the public. Don’t fall for the scams, there are consequences you may not see coming and circumstances you may not like. Be safe and be wise.

Blessings to All,

Ron Giles

https://inteldinarchronicles.blogspot.com/2021/01/consequences-and-remedies-by-ron-giles.html

Post RV Tips and Suggestions From Recaps Archives

Post RV Tips & Suggestions

From Just Da Truth  (Repost From Our Archives)

While there are numerous ways to prepare for the RV I feel this will assist you in preparation for that most awesome day.

When you see RV in big letters on your favorite currency forum, , or when you hear me scream hallelujah from wherever you are in the world…that is when you will know that glorious day has arrived. But will you be ready?

Prepare: I realize many of you have done your research on how to invest, donate, and spend your money (Lord knows we have had plenty of time to do that, LOL) but time should also be allocated to how you are going to receive your investment.

Preparation is not a huge task and I believe it is essential.

Many of us have our dinar stuffed in the sock drawer, safe deposit box at the bank, or maybe even locked in the pages of your Bible but when that day arrives for you to exchange your currency there are a few things you should consider. Here are some simple steps and advice…

Give thanks: First and foremost hit your knees!

Keep Quiet: On the day you discover your investment has RV’d your first reaction is to scream with excitement and to tell the world. Think of your safety and your family’s safety first. Handle your affairs as quiet as possible.

Even though this event trumps all events you could ever post on Facebook and Twitter…it is better not to tell anyone about this particular event.

Identification: If you decide to use a bank or your currency trader at time of exchange both are going to ask for 1 to 3 different forms of identification.

Make sure your id’s are current. You will likely use your driver’s license, passport, credit cards, student ID, work ID, and/or a utility bill.

Banking: If you are dealing with small banks, go straight to the VP or upper management. If your bank has a foreign currency exchange department immediately ask for the VP or President of the department. 

With larger national  banks, go to their Private Banking or equivalent division for customers with great wealth. I think you get the point I amtrying to make…

(Note: Many feel we will be exchanging at designated Redemption Centers instead of banks…..)

If the new exchange rate is considerably higher and you have several dinars to exchange you will be dealing with a high amount of cash in exchange. This step will only move the process along and further protect your asset.

They may have more options when it comes to banking, and have a better grasp of the disclosure and security procedures in the bank.

It would also be beneficial, if you know your banker, to have his/her name and phone number ready in case there is a technical challenge wiring the funds. 

If not, have the banks phone number and address readily available…go ahead and log into your contacts in the cell phone.

Also, research your own bank options, banking fees, bank account features, return rates, FDIC insurance, NCUA insurance, etc.

Contingency Plan: Lets say you plan to go to your local bank to exchange your dinar. You find out there is something you are not too familiar with or maybe…they do not offer a currency exchange service.

Do some calling around before you leave to see what services your institution offers. Ask about the rates and if there will be a delay for the money to be deposited into your account.

Take a preventive measure today by writing down a list of banks near your home, next major city, or an adjacent state that you can contact if a problem with your initial bank arises.

Depositing your Cash: Regardless of the method you use to exchange your dinar into dollars you will likely deposit a large sum of funds into a bank account. If you are in the United States banks are required to report to the IRS any single deposit exceeding $9,999.99. This is toidentify potential criminals dealing in fraud, theft, or even terrorism.

Furthermore, funds deposited in the amount of $10,000 or more can be “frozen”by the bank or by the bank on behalf of the IRS if the deposit appears“suspicious”. These frozen funds can by tied up to 10 days or until you can provide valid proof where these funds originated.

There are suggestions on how to avoid your bank account from being frozen but none will guarantee you will not wait to have access to your funds. Banks can hold wired funds, checks and cashier checks until funds are honored by the issuing  institution. Much like a second party check each bank has a “clearing”period based on different transaction types

(Note: If we exchange into the new QFS Banking system- these rules may not apply) .

Prior to making the deposit (especially if it is a large deposit) talk with the manager and explain the situation as an investment payout. You may need validation of some kind such as a written statement. This may avoid the IRS from being directly involved and shorten the time frame you will have access to your entire deposited funds.

Please discuss this with your banker, attorney, and/or CPA for further clarification and understanding.

“Walking” out with your money: If you were cashing a check for a few thousand dollars it is likely the banker would place your bills in a zipper bag and let you walk out the door. 

However, if you ask to walk out with more….. be prepared to wait.

Banks refrain from having large bulks of cash on hand for security purposes and most transactions are electronic. 

However if you desire to have “cash” be prepared to make a request anywhere from 24 to 72 hours prior to your withdrawal in order for the bank to make arrangements.

Trusts, LLC, and Other Legal Entities: There are many ways to suggest how to set up your financial portfolio. Some have suggested to set up a trust(s), some have suggested establishing a LLC. Some just plan on cashing in as a single person.

However you decide to set up your arrangement make sure all of the legal documents are close by so that you can refer to them, if need be.

If you desire to open a bank account under a Trust, LLC, etc. these documents will be required. See bank accounts above.

Be careful of online offers and Dinar forums offering trust advice or assistance. Do you research…you don’t know who these people are..Don’t send anyone funds prior to a thorough investigation. Call the Better Business Bureau for advice.

Wills: I realize this sounds morbid but it is essential. I hate to say it but here is a  scenario…you cash in and deposit $1 million in your bank account. On the way out of the bank you do your best impression of the Snoopy dance. 

Not watching where you are going you come face to face with a large RV…not revaluation but a recreational vehicle! Your RV came twice that day…first to make you wealthy and  the second time to meet your maker. So what happens to your $1 million?

This is why it is essential to draw up a will. Even a simple notarized will is better than nothing. Easy wills are found at places like Office Depot…some are free online as well.

Tax: The ugliest three letters ever made up. But it is something we all will deal with. Don’t try to avoid it as you will find yourself regretting you ever did. Its better to place a certain percentage aside allocated just for taxes and never touch it! 

These percentages have been quoted all across the spectrum but whatever you decide to allocate..remind yourself not to spend it till you decide to send that check to Uncle Sam.

My advice would be to look up the phone numbers of local CPA’s, CPA/Tax Attorney’s and have their numbers available to make appointments with them post RV. 

Get their advice and reconcile their thoughts. Once you pick someone you are comfortable with he/she can walk you through the needed forms and steps.

Of course, choosing a CPA or a Tax Attorney is not that simple…so keep your ears open for a well-qualified person to handle your taxes.

I understand some are saying their are methods to avoid paying taxes on currency exchange. Listen! Be Smart! Get the advice of a tax professional and don’t end up owing money or perhaps be under investigation.

Don’t be fooled…the IRS follows every transaction at banks so just be cautious and pay your taxes.

Post RV Investments: The only advice I can give you here is to… get advice.

Seek the services of a financial consultant, go to the library, Google everything that comes to mind. I will admit that just about any financial advisor that exists would likely roll of out of his chair in laughter if he heard about this investment pre-RV but I would also place a handsome bet that he or she would want your business when you are in search of advice post-RV.

Do your due diligence before you spend money. Don’t be afraid to get second opinions and ask around.

This kind of blessing will likely never happen like this again so be wise.

Also..Be wary of fellow dinar investors asking you to partner with them in an investment. Just because they are a fellow investor doesn’t mean they have your best interest at heart. Be Smart!

Donations/Tithe: I think it is imperative we should all give back, pass it forward, and donate. But do your homework and give your money o honest charities. It’s shameful to think that people make up fraudulent organizations and never spend donations instead they line their greedy pockets. Give to organizations that are close to your heart. 

Tithe to your church. The tax man is going to take a chunk of your wealth you might as well offset the tax man by giving those funds to something meaningful and worthwhile.

Document Everything; This can’t be emphasized enough. If you are fortunate to gain a large sum of wealth remind yourself to treat your accounts appropriately and be careful not to let others mishandle your money.

You may have more money than you ever had before but that doesn’t mean you will always have it. Keep records, bank statements, receipts, contracts, agreements, etc.

If you hire a financial advisor be actively involved with your account and have understanding of what your advisor is doing with your money. Also, be aware of all of the fees advisors charge for their services.

After all how many times have you heard of celebrities discovering they are broke because they trusted someone else with their money?

Debt: When the RV occurs you will have been blessed with a sudden amount of wealth. No matter how small or large the sum of your return find it in yourself to reduce your personal debt.

Pay off the mortgage, pay off the credit cards, pay off the installment loans, pay off the student loans, pay it all off. Stop being a slave to debt and avoid at all costs reentering into a lifestyle of owing a creditor.

(Note: Some beleive there will be a debt Jubilee……if so…great…if not….pay attention)

Pay yourself: There is nothing wrong with spending money on yourself. Take a vacation, buy a car, pay off some bills, go to the mall. Withdraw some “fun”money but take the rest and let the interest and dividends accrue.

Remember to buy smart: Many of us have lived modestly most of our lives and with a sudden amount of cash in the bank your buying potential could be endless. But remember to be smart when making purchases. 

Sure you can afford a 10,000 sf house but remember the taxes, utilities, and cost to maintain the home. Sure you can afford a Ferrari, Lamborghini, and a Porsche but remember the maintenance cost associated with these high end cars. Enjoy your wealth…learn to keep it.

Loose Lips, Sinks Ships: Its sad but true…the minute you have money in your bank account will be happy. But if friends and family that are non-dinar investors hear of your recent influx of wealth they are going to want a piece of your pie.

I am sure you are going to want to help your friends and family but do it under your own will and not because of their solicitation. Be quiet and serve your fortune to those with gratitude and need.

Safety: Lets just be honest. There are some cruel people in this world and they will do anything they can to harm you or your family in order to obtain a portion of your wealth. 

This refers back to being quiet. Fly under the radar. Live as normal as you can. Enjoy your life but be aware of your surroundings and the people you invite into your life.

Enjoy your life: Money does not buy happiness. Some of the richest people in history were the most miserable. Let the happiness in your life result from living your life right, spending your wealth of time with your family, and being debt free.

Now that you are rich avoid falling into the temptation the desire to become wealthier.

Don’t let money be a driving force in your life. It is perfectly fine to invest and protect your wealth just don’t allow it to consume your life.

These are just a few tips and suggestions. This is my soul my opinion and I am not a financial consultant, CPA, lawyer, and in no capacity have the power to give financial or legal advice however I am a concerned investor that wants all of us to be informed.