Cheat Sheat from Fleming-Appointments, Terms, Rate Definitions and more......Good for Newbies

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

This was originally posted on May 21, 2021….Procedures may have changed since then……consider everything a rumor until we are at the banks….

Cheat Sheet for Appointment with Supplemental Information, Fleming (Rev. 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:

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

2 recent utility bill statements – this verifies your address

If homeless or no permanent address explain this at appointment.

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

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.).

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.

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

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:

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

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

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)

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 may want to 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 (allegedly)  given a US Treasury Account and be in the QFS.

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

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

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)

Note from Dinar Recaps

Note From Dinar Recaps

Well, It has really been a long road for many of us and we want to thank all of our readers for sticking with us through thick and thin.  We really hope we are almost there, but no one knows the exact timing…certainly not us at DR.

Many of you have emailed us asking us what they could expect to see on our site by way of an RV/GCR announcement once everything happens.

Several Intel Providers have referred their listener’s to our site to receive 800 numbers or secure links in order to make our exchange appointments. We would like to thank these Intel Providers for the confidence they place in us.

A few intel Providers have been told by bankers that they will be sending Dinar Recaps and other Dinar Websites this information to publish (or possibly email out). We hope this is true, but have not been told directly by any bank.

A reminder, EVERYTHING posted on the Dinar Recaps website, emails, or other related social media (such as Facebook and Twitter) are what OTHERS are saying. NOTHING is from Dinar Recaps.

As of right now, we plan on posting exchange information and protocol’s that we are allowed to post by groups and banking institutions.  This will include exchange numbers and links that we are allowed to post for all of our readers when it is “time”.

We could also be posting the exchange tips and other pertinent info from others that could prove helpful and valuable to our readers….if allowed to.

Warning or advise to all…it is very important that EVERYONE does their own research and consult professionals to find out what is best for THEIR own circumstance or situation. Just because something is posted at Dinar Recaps does not mean it is the best option for YOU.

---

At this time we have not been informed of any details or information of what we will or will not be allowed to post.

We think we will get that information as soon as the event happens.

We at Dinar Recaps are currency holders like yourselves. So, IF we all have to sign NDA’s at our exchange appointments it is unclear what we will be allowed to post (if anything) after we conclude our appointments (or even if the website should be kept open.)

Online now, on our website we have our ADVICE and POST RV categories with helpful posts.

Again, we want to thank you all for your readership throughout the years of bringing you the latest in News, Rumors and Opinions from “Dinarland”. We have always posted what we have been reading from all the others in “Dinarland”.

Thank you again to all of the Intel Providers and News Hounds for all their time and research over the years.

As for a RV Announcement post- we do plan to have our website top picture being fireworks. As well as emailing all the people who are on our daily newsletter EMAIL LIST.

The  Dinar Recaps Team  

Dinar Recaps has NO further information about exchanging now, or in the future. DO NOT email Recaps with any exchange questions. EVERYTHING we have now is posted on the website, and/or posted on our POST RV Page online

Exchange Apt Tips and Possible Bank Perks From Recaps Archives

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

TNT:

DAZ: EXCHANGE THOUGHTS

THESE ARE BROAD GENERALIZED STATEMENTS OF GUIDANCE TO HELP MANY OF THOSE THAT REALLY HAVE NO PRIOR EXPERIENCE OR CONCEPT OF BUSINESS OR BANKING.

JUST BE NEAT AND LOOK LIKE YOU MEANT TO GET DRESSED TO MEET SOMEONE THAT YOU WANT TO HAVE A KIND AND FAVORABLE IMPRESSION OF YOU....ITS JUST A FIRST DATE...NOT THE WEDDING..

IM NOT EVEN GOING TO LET THE IDEA OF SOME "QUALIFYING"  CLOUD MY EXPERIENCE OF THIS THING. THE QUICKEST, EASIEST WAY TO APPEAR OR BE PERCEIVED AS FEARFUL AND LACKING CONFIDENCE IS TO FEEL YOU  ARE BEING JUDGED ON THOSE ATTRIBUTES.

WINNERS DONT DO THAT.

JUST BE A GOOD REPRESENTATION OF YOURSELF...NOT SOMEBODY ELSE...BE KIND, PUT A SMILE ON THE INSIDE...AND OUTSIDE. BE YOURSELF...BEING FAKE WONT GET YOU PAID ANY QUICKER OR BETTER IMO

REALLY FEEL THE SMILE ON THE INSIDE..VISUALIZE IT..PRACTICE IT NOW...IT REALLY DOES CHANGE THE ENERGY IN A MEETING....YOU'LL BE FINE.

I WOULD NOT VOLUNTEER TOO MANY DETAILS, IDEAS OR CONCEPTS GENERALLY,

ALL GREAT IDEAS ALWAYS FIND OPPOSITION. A NEUTRAL CONFIDENT STANCE MAY BE WISE. A FRIEND ONCE TOLD ME...."YOU DONT HAVE TO TELL EVERYBODY EVERYTHING YOU KNOW...AND ITS BETTER THAT YOU DONT".

THEY WOULD RATHER HEAR THAT YOU WANT THEM TO TELL "YOU" ABOUT ALL THE PLANS, POSSIBILITIES, STRUCTURES AND OPPORTUNITES THEY MAY PROVIDE. WM'S DONT WANT TO BE TOLD HOW TO DO THIER JOB OR HOW YOU WANT THEM TO DO IT.

ULTIMATELY THEY TRULY JUST WANT YOU TO HAND THEM THE MONEY TO PLUG INTO THEIR EXISTING SYSTEM. ...THATS THE WAY THEY ARE TRAINED AND WHAT THEY ARE GENERALLY USED TO....AND THATS JUST THE REALITY OF THE THING
.
WE WILL BE CALM, CONFIDENT AND SMILING...THEY WILL BE TIRED, DISORIENTED AND ANXIOUS...SURELY WE CAN MEET IN THE MIDDLE SOMEWHERE.
 
MAYBE A SIMPLE BUT SOMEWHAT AMBIGUOUS REPLY UPON THEIR INQUIRY MAY BE BEST...

"I PLAN TO MAKE MY IMMEDIATE FAMILY A LITTLE MORE COMFORTABLE AND THEN I WANT TO LEARN HOW TO PROTECT AND GROW MY MONEY FOR GENERATIONS...AND I NEED SOME HELP WITH THAT."

THAT WILL PUSH ALL THE NECESSARY BUTTONS.

AND REMEMBER....IF YOU DONT UNDERSTAND, ASK, IF YOU DONT GET AN ANSWER YOU CAN UNDERSTAND, ASK SOMEBODY ELSE AND,......IF IT DONT FEEL RIGHT...DONT DO IT

Sample Script: 

HELLO MR. BANKER, I HAVE IRAQ DINAR, VIETNAM DONG AND ZIMBABWE CURRENCY. I WOULD LIKE TO EXCHANGE...CAN WE DISCUSS THE MOST FAVORABLE RATES AND TERMS, BOTH PUBLIC AND PRIVATE, AVAILABLE FOR EACH?

WELL MR BANKER.....I RECEIVED SOME INFORMATION IN THE PAST THAT THERE MAY BE MORE THAN ONE RATE AVAILABLE DEPENDING ON HOW WE EXECUTED THIS EXCHANGE.

 IF THERE ARE OTHER OPTIONS BESIDE AN EXCHANGE AT THE INTERNATIONAL RATE, I WOULD LIKE TO EXPLORE THOSE TERMS AND REQUIREMENTS IF THEY ARE AVAILABLE TO YOU OR ANY AT THIS BANK.

BE RELAXED, CONFIDENT, FRIENDLY AND PURPOSEFUL

EASY, SIMPLE, HONEST, INFORMED AND DIRECT

Feel free to keep those that may fit you own personal situation and disregard the rest……

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

"Post RV" Tips and Suggestions From Recaps Archives

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?

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Exchange Day Check List and Tips posted by JBH4129 at TNT

TNT: 

Posted by JBH4129

Exchange Day Check Sheet 

The following information is meant as a guide for you on Exchange Day. It does not cover everything or every  situation and may not be what you want to do or say. However, many of us can use this form as a guide to jog  our memories on the day of exchange to make sure we are making the most of our opportunity. Think of it as a  backup plan in case your nerves get the best of you. 

The last two pages are the “Exchange Day Check Sheet”. If you print them “double sided”, it will be one page that you can take into the exchange with you. 

Previous Homework 

This document is made to be used on Exchange Day. You have done lots of work (or should have!) before  getting to this point. Here are a few things you may have already calculated... 

Your monthly expenses. If you know your future monthly expenses, you will know how much money you need  your investments to provide to you each month. Knowing your future lifestyle will help you determine the rate  you are willing to settle for. Use this spreadsheet to help calculate your future monthly expenses. https://bit.ly/MoExp 

Once open, choose FILE, MAKE A COPY so that you have an editable version. To save this spreadsheet to  your device, choose FILE, DOWNLOAD, MICROSOFT EXCEL and choose where to save it.  

Your currency. You should already know how much currency you have and approximately what it is worth.  Sort it by country and by denomination. You can use this currency converter spreadsheet to help you determine  the approximate value of what you have. Change the values as needed to reflect recent rates. https://bit.ly/CurConvert 

Once open, choose FILE, MAKE A COPY so that you have an editable version. To save this spreadsheet to  your device, choose FILE, DOWNLOAD, MICROSOFT EXCEL and choose where to save it 

Other resources. “Tech-on-Que” has created a valuable resource page (TNT Resource) packed with  information. Lots of links and articles. Go read. Be knowledgeable. 

https://tinyurl.com/tntresource 

How banks make money. This is for your information... not necessarily to be discussed during the exchange as  the exchanger may not know this information. You may say to yourself, “How can I justify asking for such high  interest rates?!” Any money that you leave with the bank can, and will, be used by the bank. They will loan  your money out to others at any rate they choose. Using “fractional banking,” the bank will be able to loan out  even more money than they have in house. Through “overnights”, banks will collect 1% interest on the  balances they have in house. There are 22 overnights per month. The bank is going to be using your money to  make money for themselves. They can share this wealth with you by giving you a higher interest rate. 

You may also want to learn more about Compound Interest. A good interest rate combined with interest compounded more frequently can produce higher returns. Definitely worth some research. Here is a starting  point to learn more. You can also search “compound interest” online for more information. https://bit.ly/2R9nCmp 

How you best learn. Remember to do your part. You have to have some “skin in the game’ in order to really  understand what will happen on exchange day and after. Be willing to do some research. Be willing to learn.  Be willing to share and contribute to discussions. The more you learn and the more you do with that  information, the better your exchange will be.

Here is some background information on the items on the check sheet. 

Verify Currency Amount 

Know how much of each currency you are taking into the bank. Make sure the amount the bank counts during  the exchange matches what you have. It has been suggested that it would be helpful to organize your currency  by country and then by denomination. It may be helpful to know how much of each denomination you have.  Organizing your currency could help your appointment to move along faster.  

Highest Exchange Rate 

Hopefully, before we go to our exchange appointments, we will have a call where the currency rates are shared.  We’re likely to be given a range of rates. It may be helpful to calculate how much money you will receive  using the highest rate and then calculate again using the lowest rate. This will give you an idea of the range of  dollars you will be receiving for your currency. Having an idea of this range will prevent you from having  “sticker shock” when big numbers are discussed during the exchange. It would be helpful to practice saying  these large numbers aloud. Get use to them rolling of your tongue with ease.

Need help reading large  numbers? Start here: https://eslblogs.waketech.edu/esl-english/2016/05/22/how-to-say-big-numbers/ 

Keeping these high and low rates in mind, negotiate your highest and best rate. Remember the saying, “He who  speaks first, loses.” Rather asking for a specific rate, try using the phrase “What is the highest rate available to  me?” “Are there any other rates I might qualify for?” You must politely advocate for yourself. The exchanger  works for the bank, not for you. 

If there are caps or maximums in place on the amount you can exchange for the “contract rate”, try to negotiate  your best deal using all of your currency. Let’s take the Dong as our example. It has been said that there will  be a 50 million Dong maximum that can be exchanged for the contract rate. If you have 120 million Dong, is it  better to get the contract rate on the first 50 million Dong and some other amount you negotiate on the  remaining 70 million Dong? Or, would you receive more by not taking the contract rate on 50 million but  negotiating a lower rate for all 120 million Dong? Be prepared to do some calculations while you are there.  Bring your tablet, laptop, calculator, phone, pencil, paper ... whatever you are comfortable using for calculating. 

Fees 

Expect to pay some fees somewhere along the line ... but the less the better! Remember, a 1% fee on a million  dollar exchange is $10,000! Ask if there are monthly fees on your new account(s). Ask if all fees can be  waived. If they say, “I don’t think I can do that...” say “Let’s put it in the computer and see if it works.”  Everything is negotiable.  

Interest Rate 

For the money that you are leaving at the bank, even if only temporarily, you will want to negotiate the highest  possible interest rate at the time of exchange. You will have to use your knowledge and skills to impress the  person you are speaking with to get the highest rate. A 20% interest rate has been talked about as possibly  being available – maybe even higher. There was a conversation shared on a call where someone was offered  and accepted 15%.  

You should ask for this high interest rate for any and all accounts that you establish with this bank... checking,  savings, spill over accounts where you place your interest each month, business accounts, trusts... all accounts.  Some of us may decide to temporarily ‘park’ our money at the bank where we exchange while we are  investigating other bank products at other institutions. Naturally, you will want to be earning money on your  money while you are doing this! Ask for their best interest rate and be willing to negotiate. Remember the  bank works for the bank, not for you. 

Shoot for the moon: 30% interest rate on all accounts, compounded monthly, and interest paid monthly.... but a  15% interest rate, compounded yearly, with interest paid monthly may be more reasonable.

Everyone will have a different comfort level in their asking and in what will be acceptable. Start with an “outrageous rate” but have  a number in mind that you would be willing to settle for before you go to the bank. No one knows for sure what  rates will be offered until we get there.  

Also consider using compound interest as a bargaining tool. Ask for your money to be compounded daily  instead of weekly.... or weekly instead of monthly. The more frequent the compounding, the more earned. 

Assignable Account 

Make sure that all the accounts you create are assignable to another owner. Basically, this means that the name of the account owner can change. If the accounts are set up in your name, you may want to change the ownership once you have created a trust or a business entity and put the account into that entity’s name. Make  sure this is allowed. 

Option to Renew 

When setting up your accounts, ask for the option to renew. You will want to keep the same terms and be able  to renew the agreement every 3-5 years, in perpetuity (forever). This is why it is important to get the best  interest rates now. Ensure that you (or your entity) are collecting on those high interest rates to keep funding  your plans and dreams.  

TOD/POD 

For personal accounts, you will want to ensure you have added beneficiaries for Transferable on Death (TOD) (for investment accounts) / Payable on Death (POD) (for bank accounts) to all of your existing and newly  created accounts. This will tell the bank what to do with your accounts when you leave this earthly plane of  existence. Bring this information with you on the day of exchange. 

Restrictions on Accounts 

You do not want just anyone to be able to see your accounts. Ask that these restrictions be placed on all of your accounts: Access restricted, Tag as non-test / non-training accounts, No offers, No counter staff. The less  people with access to your accounts, the better your privacy.  

Deposit Slips 

Be sure to have receipts for all of your deposits into all of your accounts. Also be sure you have all information  for all accounts, routing numbers and account numbers, so you are able to move your money to any other  institution when you are ready.  

Online Banking 

If you would like online banking for your new accounts, set it up before you leave. Ask to see your new  balances displayed on their screen in these accounts. Consider privacy and security concerns with this access if  you are accessing this information from your phone. Definitely do not save your banking password to the  phone. It may be best to have a separate computer used only for accessing your bank accounts. 

Availability of Funds 

Be sure to understand when your funds will be available. A percentage will be available immediately. The  balance may take time to become available, but it should not be a lengthy period of time. It may be helpful to  write this information down.  

Clean and Clear Certificate 

Clean and Clear certificates were used prior to September 11th as a way to indicate that new found wealth was  not somehow tied to illegal business dealings. With the passing of the Patriot Act, once foreign currency is  deposited and accepted by the bank, then it is deemed to be clean and clear. You may want to ask if these  certificates are still necessary. If yes, ask for 10 to have with you for other business dealings.

Starter Checks 

If you are getting checks with a new account that you establish during the exchange, ask for some starter checks  to tide you over until your new checks arrive.  

ATM / Debit / Visa card 

If you want a card for your account(s) be sure to order one. A credit card offers more protections than a debit card. It has been suggested that you do not have such a card for any account that has large balances. A better  idea is to move the money you plan to spend into an account with a lower balance and have a card for that  account. This way, if your card information is stolen, the thieves will not have access to large balances.  

Insurance 

Although it is highly unlikely, banks can fail. You will want to be sure your money is protected if the bank does fail. Be sure to ask, “How will my funds be insured?” “How are other customers with large balances  protecting their funds?” FDIC protection only covers $250,000 per person per bank. (A jointly held account is  covered for $500,000) Other insurances exist such as Lloyds of London or a program called CDARS. Read up  on these programs now so you are familiar with how they work. The bank should know of more options and  their cost. (Wells Fargo had a division for “ultrahigh net worth” clients called Abbot Downing. In March 2021,  it became part of “Wells Fargo Private Bank”.) Research then ask about Multimillion dollar FDIC Insured Cash  Sweeps “ICS”. 

If you are on the wealth management private side of banking, these protections may not be necessary as your  money would not be “on their books”. Ask to be sure. 

NDA 

If you signed a Non-Disclosure Agreement, be sure to have a signed copy in your hand before leaving the  exchange. This will remind you of the conditions you and the bank agreed to at the time of exchange. For  example, you may not be able to discuss the rates you were given for a period of 90 days.  

Perks 

Ask what perks are now available to you. Banks offer different perks for different levels of customers. Some  services are complimentary for high balance account holders, some are available at cost or for a service fee.  Some perks may be taxable. It could be helpful to have a copy of the perks that details which are free, which  have a fee and which are potentially taxable.  

Additional Information 

Exchange Day will be exciting and nerve wracking! Be sure to write down important details as the exchange  process is proceeding. The second page (or back page) of the Exchange Day Check Sheet gives you space to  write down any important information. 

If you have multiple currencies, you may want to print a sheet for each currency you are exchanging. You may wish to deposit each currency exchanged into a separate account. In the event that there is an unforeseen hiccup with one currency, all of your money will not be tied up or effected. Do what is comfortable for you. 

Remember, there is no set script for how this is going to go and everyone will have their own comfort levels  when interacting at the bank. All we can do it take our best guess as to what we think will happen and continue  to grow our knowledge as we wait.  

Print the following two pages “doubled sided” to take with you to your Exchange Appointment as the  Exchange Day Check Sheet.

~~~~~~~~~~~

Exchange Day Check Sheet 

___ Verify currency amount. I have _________________________________________________________ 

___ What is the highest exchange rate available to me? (what we call “contract rate”)  Are there any other rates that I qualify for? 

___ Can all fees be waived? (“Let’s put it in the computer and see...”) 

___ Negotiate highest possible interest rate on any and all accounts - money being ‘parked’ or money being  invested at the bank (20% ?)  

Justifications: My money available to loan, Fractional Banking, Overnights @ 1% x 22 night (“Let’s put it in the computer and see...”) 

___ Account is assignable to another owner (ex: to a trust or business) 

___ Option to renew all accounts, same terms, every 3-5 years, in perpetuity  

___ Add Transferable on Death (TOD) (investment accounts) / Payable on Death (POD) (bank accounts) Add these names to all personal accounts 

___ Restrictions on all accounts: 

Access restricted, Tag as NON-test/NON-training accounts, No offers, No counter staff ___ Deposit slips and all account information.  

___ Online banking set up / verified working (“Can you show me on your screen?”) ___ My funds will be available on ________________________________ (all / ______ percent) All of my funds will be available on ______________________________________ ___ Is a Clean and Clear Certificate necessary? If yes, ask for 10.  

___ Get starter checks, if wanted, for your new account(s).  

___ Order ATM / debit / Visa card (credit card only recommended) 

___ How will my funds be insured? “How are others with large balances protected?” (ex: CDARS, Lloyds of London, Multimillion dollar FDIC Insured Cash Sweeps “ICS”...) This may not be needed if you are on the wealth management or “private side” 

___ Do I have a signed copy of the NDA(s)? (if applicable) 

___ What Perks are available to me? (Ask for list with details on costs, fees, taxability)

~~~~~~~~~~~

Exchange Day: 

Names of Bank Exchangers  

Exchange Bank  

Branch  

Bank Routing Number  

Checking Account Number(s) 

Savings Account Number (s) 

Other Account Name / Number (s) 

Private Banker / Wealth Manager Name  

Direct Telephone Number  

Future Appointments: 

Private Banker / Wealth Manager Name  

Direct Telephone Number  

Bank Name  

Location  

Appointment Date _____________________________ Time: ________________________ Additional Notes:

(Dinar Recaps Note: This post is for informational purposes only.  It is not legal, tax or investment advice.  Dinar Recaps advises that everyone should do their own due diligence and seek local Professional tax, legal and/or investment advisers.)

Some Possible Questions to Ask at Your Exchange : Posted by Red at TNT

TNT:

Red:  Dinar- Questions For Private Banker/Wealth Manager/Brokerage General Manager, Source Internet, authors unknown.

No suggestions being made. I post only what I am doing.

 NOTICE, this conversation is being recorded for training or other use. If this is acceptable to you, please say YES.

I want to request your permission to ask a few questions as our interview progresses. Okay?  Yes

Your full name. ____________________    Your best contact phone number._______________________

I am Asking about all the professional licenses you hold? Abbreviations.___________________________

I hope you do not feel these questions are too personal or suggestive. I want to make sure my best interest will be put in first place in every transaction we do together.

1.       I want a mutual understanding we are both in this investment portfolio as a team so that we may both be richly and adequately compensated. Teamwork, Is this goal acceptable to you?

2.       How long have you been employed in mega client account level banking?

3.       How many clients are you currently serving?

4.       How many of those are in the 60 million dollar and up segment?

5.       What other services do you provide to me as a megabank investment client?

6.       Are you able to give me precise custom advice on individual investments?

7.       At this time, as my banker/wealth manager. Do you represent a team? How many members?

8.       How often does this team meet to discuss my exclusive current investment portfolio?

9.       May I ask how many years you have been married to your current spouse?

10.   How many children do you have? How many with your current spouse, if applicable?

11.   I understand that you are exclusively employed with this bank. Is this correct?

12.   Is any part of your income derived from commissions or fees from my investment relationship?

13.   Do you have a written client relationship document for me to review and hold?

14.   How long have you lived in the nearby vicinity of this bank facility?

15.   As my advisor, are you working solely in my interest as a fiduciary?

16.   I want all my accounts to be 100% private between my fiduciary agent and myself. Will you make sure this is the case? IE No testing, training, marketing, or other staff or employees have access.

17.   Thus far, do you believe you and your financial institution can strike a mutually agreeable investment relationship on my behalf?  

18.   Do you feel comfortable with being my leading team player?

19.   I want to receive copies of all the necessary insurances you carry on my behalf, like E&O.

20.   I want to review your ADV form registered with the securities and exchange commission and state security Authority. May I have copies of those for my review before entering into our investment agreement?

21.   I would like to have a printout on how much the principals of this institution have invested with this institution.

22.   I want to request a printout of the percentage of your investment held in this institution.

23.   Now that we are ready to discuss investing my funds, the interest to be paid, and the term of this investment contract, is there anything I should have asked you to present or reveal that I have overlooked? Is there anything I need to know that we haven't covered?

24.   To start the investment, I want to be included in our agreement never to have a fee, or a charge of any kind applied to my banking or investments with this institution, agreed? 

Note:   Not all information may apply to you and your personal situation…..Take what you like and leave the rest:  Some you may want to save for your own personal records!

Private Jet vs. First Class Flight: An Overveiw and Comparison

Private Jet vs. First-Class Flight: An Overview and Comparison

Posted in Travel by Marco Tadesse

Whether it’s a business trip or a vacation, a chartered jet allows you to maximize your time at your destination and minimize the number of hours you spend traveling.

On the other side, first class travel is also a lavish way, even though it involves dealing with airport safety and other commercial flight inconveniences. So what helps determine whether flying first class or chartering private jets is better for you? If you can afford only one, there is no reason to consider both alternatives so let the economic factor out of the way. A private jet is a little more priced than a first-class seat which can run from $800 to thousands of dollars.

On-demand charter service price depends on the plane size, Light Jets start at $2,800 per hour. Mid-Size Jets start at $3,800 per hour. Super Mid-Size Jets start at $4,500 per hour. Large Cabin Jets start at $6,500 per hour.

On a commercial aircraft, you are essentially renting a seat. You rent two seats and pay double the price if you want to take someone with you. If you plan on to take a group of eight with on the two-hour journey from Atlanta to Vegas, you’re paying close to $8,000. Where you fly first-class on an eight-person business jet. On the other side, you fly first-class on a eight-person private jet for that same price.

KEY TAKEAWAYS 

If you’re flying abroad, first class might be a bit cheaper than a private jet.

Private aircraft may be more economical for business executives whose time is as precious as capital.

Private aircraft offer more personal accommodations than first-class flights to travelers.

If you travel solo, first-class tickets will probably be less expensive than chartering a seat on a Private jet. A private jet may be less expensive for larger groups than purchasing several first-class tickets

Private Jet 

For customers in the top tier of flight travel, private jets are available to meet all their personalized needs.  A surprising amount of businesses, professionals and individuals use private aviation for travel. While first-class air travel still has many advantages, private jet flights have several distinct advantages and amenities over commercial airlines.

Modern private jets are consistently becoming roomier and more sophisticated than the best first class cabins on the market. On a private jet, the comfort is increased dramatically thanks to spacious cabin areas, bespoke catering and top of the line amenities.

But of course, convenience and luxury are improved at a cost. That being said, some private jet charters companies are finding more inexpensive methods to make private travel more affordable.

First Class 

While flying first class on a commercial aircraft offers several amenities, its not at same level—or personalization—of flying privately.

Check-in, screening and customs facilities are typically much faster if your flying on a first class , but after all, you are still on a commercial flight and have to arrive several hours prior to your flight. First class passengers also must finagle with busy airport terminals, safety queues and lengthy walks across terminals. Although you are invited first to board, but you still required to wait for other passengers to board before you depart.

Commercial aircraft are mostly limited to large airports because of their size. Travelers also must account for driving time, if the location they are going to is outside the metropolitan area.

Private Jet clients can also take pets— golf clubs, skis and other large items which do not fit readily on commercial planes. The risk of losing these items on in the baggage claim process is also avoided.

Private Jet vs. First Class Comparison

Price: Private Jet vs. First Class Cost

The first big difference between first class and private jet is, when you fly on a private jet, you charter an entire jet. When you fly first class, you only charter a seat. Chartering an aircraft is understandably costlier than just a single seat. However, the price per seat is less on a private jet for many routes. Therefore, the price difference operates in your favor when you fill all seats on the flight. This particularly applies to flights less than 2 hours, where small to mid-sized aircraft can be chartered. If your flying internationally, you’ll need a larger aircraft with a bigger range, which equates to a more expensive charter.

Businesses use private jets on a regular basis as the cost is beneficial. When teams of individuals or clients have to travel, they get a better deal because the costs of a private charter are divided by the number of people that fly.

Comfort: First Class vs. Private Jet Charter

Comfort really depends on the aircraft and airline. With more room, less individuals and lots of facilities, one of the main attraction to private jet charter is undoubtedly its comfort. While the first class has a variety of advantages, such as additional legroom and food, a private jet flight takes it up a level with personalization.

Despite private jet preconceptions, flying first class tends to be as luxurious as an executive jet.

However, because of the luxury nature of their industry, private jets have additional benefit. Whether it’s catering or entertainment on board, you can request various sort of amenities. As you are the only passenger, you will always receive VIP service. Above all, you can select an airplane best suited for your requirements.

First Class vs. Private Jet Charter – Who has the better experience?

Private jets generally depart from private terminals and airport FBOs. You can breeze through security, be on your flight in short amount of time. At most airport FBOs you can drive onto the runway and board the jet. It is an exclusive experience, as it is a private terminal. No queue and no waste of time, no need to go through crowds or no far-flung terminal gates. And if perhaps your delayed, a private jet will wait for you.

First class passengers have a similar airport experience to economy class passengers. Of course there is a swanky lounge to wait in and prioritized check in, but everything else is very similar, including the need to arrive two hours before departure. When flying on a private jet you don’t need a lounge to wait in, because there isn’t any waiting time.

It’s easy to imagine that the airport experience is improved at a private terminal versus a commercial terminal. But the key difference is the time saved. Airport FBOs have expedited systems that can save you upwards of one hour for every flight. And that’s just for take off. Land at a private airport and you save additional time.

Comparing First Class Flight vs. Private Jet in Business Experience

Intensive business schedules often mean visiting multiple destinations in one day or week. To optimally do this you need a dedicated aircraft. With private charters, scheduling is extremely flexible, enabling you to make adjustments that accommodate any overrunning or cancellations. If you have to regularly reschedule then a private charter is best suited for you, as commercial flight schedule is fixed.

While some airlines implemented business cabins, this characteristic has always been an integral features of private jets. So when traveling as a team or traveling with clients, private jets give you a chance to re-group or de-brief. Since its private, you can proceed your discussions without interruption. Ultimately you can get business done and optimize every moment in the day.

Why Choose to charter a Private Jet Over First Class when it come to Flight Duration?

This is the biggie, especially for business travelers. Commercial flight schedules are restricted by a hub and spoke model. So while there are many options for flying New York to Los Angeles, or between other major US cities, reaching smaller destinations often requires a layover. With a charter flight you can fly anywhere, anytime. This becomes increasingly important when you need to reach multiple destinations in a single day or week.

Total Time

With private jet travel, the time you save is not saved in the air. In a Boeing 747 or medium-sized private jet, the flight time between Los Angeles and New York is relatively the same. It’s the time saved on the ground that makes all the difference with that kind of routing. You can show up ten minutes’ prior to your flight vs two hours. Disembark in 10 minutes versus 30 from the airport. Contribute on the time saved thanks to flexibility and easy rerouting of a private jet; then note the difference in flight duration when commercial schedules are unable to meet your needs.

Private jets can transform how you travel by saving flexibility and time. It can originally seem costly to travel on a private jet, however, take into the importance of time, the cost wont seems outlandish.

https://coastprivate.com/private-jet-vs-first-class-flight-an-overview-and-comparison/

Private Banking Vs. Wealth Management: Not Quite the Same

Reposted for our newest readers: From Recaps Archives

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

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

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

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

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

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

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

PRIVATE BANKING

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

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

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

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

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

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

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

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

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

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

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

Wealth Management

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

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

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

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

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

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

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

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

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

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

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

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

5 Things to do if You Receive a Windfall

From Recaps Archives

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

Getting rich can be easy compared with staying rich.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

5 Things to Do If You Receive a Windfall

Finding a Financial Advisor or Planner

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

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

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

Investment Management—Financial Planners

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

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

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

Financial planners can carry designations such as:

Certified Financial Planner (CFP®)

Chartered Financial Analyst (CFA®)

Certified Fund Specialist (CFS)

Chartered Financial Consultant (ChFC)

Certified Investment Management Analyst (CIMA)

There are many other designations as well

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

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

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

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

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

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

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

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

FINRA's Broker Check Site

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

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

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

Ask About Financial Expertise

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

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

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

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

Security and Privacy Tips and Suggestions - Now and Post RV

From Recaps Archives

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

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

Personal Security Checklist for Home, Business and Vehicle

A. Home

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

· Have good outside lighting.

· Control vegetation to eliminate hiding places.

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

. One way peepholes in doors.

. Bars and locks on skylights.

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

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

· Develop friendly relationships with neighbors.

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

· Don't leave notes on doors.

· Don't hide keys outside house.

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

· Leave radio on (best with a timer).

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

******

B. Business

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

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

· Have offices cleaned during the day.

· Instruct all employees on operation of your security system.

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

· Do not allow visitors access to secure areas.

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

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

· Do not admit unexpected repairmen or deliverymen.

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

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

C. Vehicles

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

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

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

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

· Park in well-lighted areas.

· Always lock your car.

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

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

· Leave only the ignition key with parking attendants.

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

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

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

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

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

· Avoid isolated roads and dark alleys.

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

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

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

· Be alert while driving or riding.

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

· Circle the block for confirmation of surveillance.

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

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

· Get description of car and its occupants.

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

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

  . Cyclist falling in front of your car.

  . Flagman or workman stopping your car.

  . Disabled vehicle/accident victims on the road.

  . Unusual detours.

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

******

Commercial Buses, Trains and Taxis

· Vary mode of commercial transportation.

· Select busy stops.

· Don't always use the same taxi company

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

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

· Try to travel with a companion.

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

Question Sets to Evaluate Security & Risk

A. In the Home

· My home has good lighting.

· Doors are secured with effective locks (deadbolts).

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

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

· All unused doors and windows are securely locked.

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

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

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

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

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

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

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

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

B. Telephone Answering

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

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

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

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

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

******

C. On The Go

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

· Do you choose busy, well-lit streets?

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

· Do you avoid isolated bus stops?

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

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

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

· Are you wary of approaching strangers?

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

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

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

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

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

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

******

D. In Your Car

· Do you always lock your doors while driving?

· Do you keep windows rolled up whenever possible?

· Do you avoid picking up hitchhikers?

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

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

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

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

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

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

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

E. On Campus

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

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

Summary

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

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