Possible Bank Appointment/ Currency Exchange Suggestions and Checklist

From Recaps Archives

These are suggestions…you should tailor this sheet to fit your own individual needs …IF you have questions-Be sure to ask the Bankers at your exchange appointment,. Always consult a professional for important decisions

Bank appointment for Currency EXCHANGE Tips/Checklist/Suggestions

Bank Name_________________________________________

Bank 800#__________________________________________

“I am calling to schedule a foreign currency exchange”

My name is___________________________________________

My zipcode is__________________

My e-mail address is  (If they ask for it)________________________________

Note: We have been told not to give amounts of currency over the phone….You can use this sheet for your own personal records or at your appointment..……..

I have________________________ IQN(Iraqi)currency

I have________________________VNN(Vietnamese)currency

I have________________________1000 notes from2000 ofIDN (Indonesian)currency

I have_________100Trillion,________50Trillion,_______20Trillionand_______10Trillion
2008AAnotesofZWN(Zimbabwe)currency

FILL IN THE BLANKS for EXCHANGE appointment information that you get from the call center representative:

Your appointment Information:

Date_________________________

TIME_________________________

The Location____________________

The Day of Your Appointment- Things To Do

1. Make sure you know where you are going. Arrive early so you can “get yourself together, take a deep breath”.

Do not loiter. If you are too early, stay SECURELY in the general area but not in the bank parking lot!

2. Remember to get in and get the EXCHANGE done, there a lot of other people behind you in line so be thoughtful of their time as well.

You will have time for questions at your second appointment with your new Private Banker/Wealth Manager.

3. Be discrete, be professional, and be alert and aware of your surroundings. BREATHE! Seriously consider hiring security to accompany you to your appointment or bring a trusted friend.

4. Collect business cards from everyone or take their name and phone numbers as well as the location of their regular branch office.

5. Read and Sign the NDA. If it is simple and states you cannot tell anyone except your spouse, lawyer, or CPA (These are the people that need to know how you came about your money for tax purposes) how you came about all of your new found wealth, sign it and move forward with your exchange.

Be prepared to uphold it!

If you break the terms, you could lose your newfound wealth.

If the NDA is more complex and you are not comfortable with it, simply let them know you would like to explore your options with another banking institution. They may or may not waive the NDA.

REMEMBER TO GET A COPY OF THE NDA IF YOU SIGNED IT.

--------------

The Day of Your Appointment Things NOT To Do

Do not demand anything while at the bank or act like a lunatic, you will be escorted out.

Remember the Golden Rule “Treat others the way you wish to be Treated”!!!

Items to Bring to the EXCHANGE Appointment

(Check off the list as you put all items needed together to make sure you remember everything)

“Driver’s License

“Second form of ID (accredit card or passport)

“Your most recent utility bill (Water, power, etc.) to confirm residency in case you have never held an account with the bank you will be exchanging with or for another form of ID

“Power of Attorney Paperwork (If you are exchanging for someone else)

“A pad, pen to take notes, calculator

“Receipts for all currency purchased or gifting letter if  they were a gift in case they are needed (Do not offer them, only do so if they are requested)

“IQN / VNN / IDN / ZWN currency

“Have your TOD designees (Transferable on Death) full legal names, phone numbers, addresses and Social Security Numbers written down that you want listed on your accounts.

You can have multiple TOD designations per account (Wife/Husband, Children, Grandchildren, Nieces/Nephews, etc.)

“Have a list of Cashier’s Checks you will need, if any, along with the exact amounts and who they need to be Payable to

“Know the ceiling rate!!! Make sure you do not get hit with a Spread Fee!  If you do not like the spread fee they are charging simply let them know  (In a Professional manner) you will go to another bank.

-----------

New Account Numbers for each Currency EXCHANGED

( Some say to exchange each currency into seperate accoumts…..some say this is not necessary. Ask at your exchange appointment which way would be best)

Name of Bank Exchanger____________________________________________

Bank____________________________________________

Branch___________________________________________

IQN Checking Account Number__________________________________________

IQN Checking Routing Number__________________________________________

IQN Savings Account Number (Deposit 50% of your Exchange for Taxes just in case and do not touch until Tax Time)_________________________________________

Add TOD (Transferable on Death) Names to Accounts (Checking and Savings)

“Make sure you receive copies of the deposit slips and all account information

“Get Clean and Clear Certificates – at least 10 or more (Documentation that your money is not tied to anything illegal)

“Get starter checks if needed until your checks arrive

“Get ATM card if you want one

“Set up Online Banking if wanted

“Inquire about Extra Insurance for your funds __________

------------

VNN Checking Account Number__________________________________________

VNN Checking Routing Number__________________________________________

VNN Savings Account Number (Deposit 50% of your Exchange for Taxes just in case and do not touch until Tax Time)_________________________________________

“Add TOD (Transferable on Death) Names to Accounts ( Checking and Savings)

“Make sure you receive copies of the deposit slips and all account information

“Get Clean and Clear Certificates – at least 10 or more (Documentation that your money is not tied to anything illegal)

“Get starter checks if needed until your checks arrive

“Get ATM card if you want one 

“Set up Online Banking if wanted

“Inquire about Extra Insurance for your funds____________

-------------

Zim Checking Account Number__________________________________________

ZIm Checking Routing Number__________________________________________

Zim Savings Account Number (Deposit 50% of your Exchange for Taxes just in case and do not touch until Tax Time)_________________________________________

“Add TOD (Transferable on Death) Names to Accounts ( Checking and Savings)

“Make sure you receive copies of the deposit slips and all account information

“Get Clean and Clear Certificates – at least 10 or more (Documentation that your money is not tied to anything illegal)

“Get starter checks if needed until your checks arrive

“Get ATM card if you want one 

“Set up Online Banking if wanted

“Inquire about Extra Insurance for your funds

(Use the same format for Rupiah and Rial or other currencies if they are also exchangeable at this time)

DID YOU GET A COPY OF YOUR SIGNED NDA?

Set second appointment with a Private Banker or Wealth  Manager  (The bank will guide as to who you need to speak with based on your EXCHANGE/deposit amount

This appointment will be the one in which you discuss all of your options for investment and your “perks”

Private Banker Name__________________________
 
Telephone Number____________________________

Appointment time______________

Location___________________________

Misc. Notes___________________________________________________________________________

_____________________________________________________________________________________

____________________________________________________________________________________

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)

"In It To Win it" By Dr. Dinar From Recaps Archive Section

In It To Win It   By Dr. Dinar

Is this thing for real?

No... really. Is it?

Yeah, this dinar RV deal.

This entire GCR "thing".

Is any of this really and truly going to happen? Like, ever??

Or are we existing in some kind of an alternate universe, alternating between reality and who knows where.

I'll bet there are quite a few folks asking themselves those very same questions right about now.

Not just family and friends of those afflicted with RV/GCR-itis.

Heck, they've had our Rubber Rooms reserved for us for many years now.

It's no shock to them that this once in a lifetime pipe dream has yet to materialize.

To them it's no surprise whatsoever that we aren't celebrating our new lives as millionaires.

Heck no.

They knew from the very beginning that this pie-in-the-sky, too-good-to-be-true Ponzi Scheme was just a scam perpetrated by the banks, the ABC Agencies and the self-proclaimed behind the screens Guru's.

And so far, they're feelin' pretty good about their predictions.

And they won't hesitate to continue to remind us of that fact either.

"Are you rich yet?"

"Did your ship finally come in?"

"How's that new Ferrari workin' out for ya?"

"Enjoying your new Beach House?"

I'm pretty sure we've all been on the receiving end of those jabs.

And more.

The naysayers that continue on with their relentless doubt filled statements, all in an effort to prove themselves right, at the expense of our being wrong.

Which all serves to undermine your foundation, if even just a little bit.

Completely understandable.

For those of us that have been involved in this made for TV spectacle for many years, those that have done the research and built a foundation based on history and how it's extremely likely that history will repeat itself in one form or another, I have a feeling we're fairing a bit better than those that have recently jumped on board the Insane Train.

Yes, I have a strong feeling that those folks among us that are relatively new to this game are going through those initial stages of serious doubt right about now.

Could the naysayers be right?

Could this all be a scam?

Did I fall for yet another Pyramid Scheme, just like my Brother in Law said I did?

We all have those twinges every once in a while, even us RV/GCR veterans.

It's only natural.

At the end of the day it comes down to this being a currency speculation.

Yes, a SPECULATION.

There are no guarantees, one way or another.

Absolutely none.

We paid our money, we bought our currency, we all (well, most of us anyway) verified that we were over 48in. tall, which means we're "officially" tall enough to ride this ride.

Basically, we're committed (some believe we should have been committed long ago but that's another story for a different day) to this journey, however long it may take.

Long term investment?

Yeah, we know.

Believe me... we know.

After all, how many times have we heard that.

Not quite as many times as we've heard "It's goin' down tomorrow!" but probably pretty darn close.

Which doesn't bode well for those that thought this was a guaranteed Lottery Ticket win.

Once they realized that this ordeal was going to take some time, they've had to do quite a bit of digging to create foundations of their own.

A means of hanging on and hangin' in there by any means available.

And I feel sorry for those that have yet to go through the initial reality check.

We all got "in" shortly after hearing we only had a few days before this thing popped and suffering through the not-knowingness of whether our shipment of IQD would arrive in time or not.

Yep, been there, done that.

And got the faded Fed Ex envelope to prove it.

Yet, here we are, weeks, months, some of us years later.

Still amazed at how we could still be waiting.

Wondering how all of these endless drop-dead dates and deadlines could have slid by without as much of a provable peep of factual facts to show for it.

Last I checked all the economies around the world should have crumbled at least five years ago.

And yet, here we are, with a world seemingly no worse for wear.

Well, besides the mandatory wearing of the masks, anyway.

Go figure.

And now we're back to the sounds of silence.

Which, I ain't gonna lie, can really be kind of a drag sometimes.

Yep, Dinarland has once again been hushed into submission and to be honest, the silence is deafening.

We've all picked our faves along the way and whether you're a fan of the Newshounds or the Rumtellers, you've surely felt there was someone in Dinarland strummin' the right banjo.

Playin' your tune.

Unfortunately, at the end of the day, here we sit with boxes of funny money and seemingly none of the all-knowing Guru's being any more right or wrong than any of the others.

We're all on the same playing field, left wondering who has the ball.

All part of the Plan? Perhaps.

Maybe all this confusion was just part of a well executed plan of deception.

Myself, I lean more towards the uncontrolled chaos of the situation creating most, if not all, of the confusion.

Not to mention all the behind-the-scenes corruption adding to the confusionism as well.

Mix it all together and you pretty much have the scenario we're currently experiencing.

I'm not so sure they had to add any extra ingredients to spice up the mix.

Does that mean we give up? Heck no!

Does it mean we aren't any closer than we were when Iraq was released from Chapter 7 oh so many years ago?

Again, not necessarily.

Maybe so. Maybe not.

Heck, at this point, everything's a guess because nobody really knows.

One thing's for certain though, we HAVE to be getting closer. Don't we?

I'd sure like to think so anyway.

Unfortunately, closer doesn't necessarily mean close.

Then again, it doesn't mean that we're not close.

It only means that despite how often we might forget, things are happening, things have happened, and things are being done.

Just not on our schedule.

Nor anybody else's for that matter.

And not the one thing we want so emphatically to be over and done, which of course is the GCR.

Therefore, it comes down to making a choice.

Do we bail out early, sell our currency back, and say a quick Adios to Dinarland?

I say Heck No!

I vote we continue to stay strong, to fight the good fight, and to prove, not only to ourselves, but to our family and friends, that we were right.

That "they" were wrong.

That this deal IS real.

That we aren't just plain looney.

That we aren't simply one dim Crayon short of a sharp tool shed.

I know I'm not going anywhere

I'm in it to win it!

And hopefully you are as well.

We've been in this thing for far too long to give up now.

Kindly,

Dr. Dinar

Disclaimer; I'm not a Wealth Manager, Financial Advisor, CPA, Tax Attorney, RV/GCR Committee member, nor am I the Dog Whisperer or in any way involved with the SPCA or the promoting of buying or selling of foreign currency. I'm simply someone that chooses to believe in the power of positive thinking and on the odd chance this thing truly is real, I want to make sure I'm there at the finish line to enjoy it.

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?

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

"Ready...Set...WHOA!!" By Dr. Dinar

From Recaps Archives

Thank you Dr. Dinar

READY... SET... WHOA!  by Dr. Dinar

As we approach  the end of the year, the one phrase we continue to hear over and over again is "Everybody's ready, everything's in place, we're simply waiting for the GO signal."

There's only one problem. We've been hearing that very same phrase for the past 2 or 3 years.

I don't know about you but I've lost quite a bit of faith in that statement.

Actually, more than just a bit.

As a matter of fact, I've pretty much filed that phrase under the same category as "Sooner than later" and "We're in the window".

The category starts with an "M"... for Meaningless.

And as much as we continually hear there haven't been any delays, the longer this continues to drag out the less I believe in that statement.

If I have to hear about the horses waiting anxiously in the starting gate one more time, I'm going to open up my own Glue Factory.

Well, I would but I'd need to exchange some IQD first. So I guess that will have to wait.

You get the point. Things can only be "ready to go" for so long before they're no longer ready to go.

Does that mean the plan has changed? That sounds a bit more plausible.

For as many decades as this traveling Circus has been on the road it's easy to believe there have been more than a few delays along the way.

Some they could plan for. Others, not so much.

Again, with a never before attempted task as monumental as the GCR, easily understandable.

For example, how many times have you set up your Saturday morning schedule of chores only to just get started and first thing outta the gate, blindsided by the unforseen.

That's life. Regardless of how well you've planned, things rarely, if ever, go as planned.

 For example, let's say your goal for the weekend is to begin your Saturday by mowing the lawn and straight outta the gate, the lawnmower won't start.

Sure enough, it's out of gas. Next stop, the garage to grab a nearby gas can (one of seven or so waiting patiently on the shelf as this is not a new experience).

Wouldn't you know it, it's empty as well. So it's off to the gas station you go.

Upon arrival, you immediately see that your "fave" pump is clear and it's gonna be your day.

Only one small problem. Reaching for your debit card you instantly discover you've forgotten your wallet.

Easy to understand as only a crazy person mows the lawn with their wallet in their cargo shorts pocket.

Nobody wants to mistakenly mow down their wallet, completely shredding everything inside.

Jumping in your car, it's back home you go.

Fortunately you only live a couple miles away.

Knowing you'll be back in a flash, this is really no big deal and should only set you back a half hour or so.

After all, you've been mapping out the entire scenario in your mind all the way home. No worries, you got this.

Upon arriving home, you run in the house knowing all too well just exactly where your wallet is.

Your default spot, where it always is.

Running in the house, it's off to your dresser you go.

It's THE spot for your wallet. Been that way for longer than you can remember.

Well, not this time. Not on top of the dresser.

Not behind the dresser. Not in a top drawer. Not anywhere.

It's gone. Just plain gone. So much for your so called plan. Now what.

That plan just went out the "everybody's ready, everything's in place, just waiting for the GO signal" window.

Whispering (okay, screaming) in your head "Think, you idiot... THINK! Where could that dang thing be!"

It has to be here somewhere. "Ohhh, that's right. Now I remember!"

It quickly dawns on you that you ordered a pizza last night and needed your wallet to tip the delivery guy.

Heading to the living room, knowing it has to be sitting on the table by the front door, on top of the TV, the coffee table, one of those three spots.

It's guaranteed to be there, just like the 30 minute delivery guarantee. It's good as gold.

Or is it. Scouting around, you're still not seeing it. But you know it's close and you'll find it sooner than later.

Under the couch. Behind the TV. That would be a double NO.

Okay, think. Where could it be.

Doing your best not to get too stressed, you already know the last place you used it. To tip the delivery driver.

So you got that goin' for you, which is nice.

Now all you have to do is find it. Between the couch cushions? Nope. In the car keys bowl by the front door? Another nope.

In the pocket of the sweatshirt you were wearing last night when you went to pay the driver? Again, nope.

Okay, now it's getting to be more than a bit stressful.

Looking at the clock you quickly realize that you're already over an hour past your scheduled time for completing the mow job and you've yet to get started.

But you've still got time and you'll be back on track before you know it.

All these missing wallet problems far behind you.

Telling yourself to calm down isn't working.

So what's the next best thing to bring down your heart rate? Food.

Yep, a "search snack" of some sort. Works every time.

Guaranteed to take your mind off the situation and help you to relax.

And what's better than "day after" pizza. Ummm... nothing!

It's almost as if this whole experience was meant to be.

Rushing to the fridge, knowing you still have half a pizza remaining from last nights delivery, it's off to pizza nirvana you go.

As you grab the box, more than ready to dive on in, what's that staring you right in the face.

No flippin' way. How can that be. It can't, but yet, it is.

Yes, it's your wallet. The very same wallet you've been searching everywhere for over the past 45 minutes.

Then it all comes flooding back.

Shortly before putting the box of uneaten pizza in the fridge, you couldn't help but grab one last slice and as your hands were full, you plopped your wallet down on the box as you began chomping away.

Phew, mystery solved. Time to call off Jim Rockford, his services won't be needed here.

Feeling as if you deserve a Finders Fee, a reward of some sort, for finding your wallet, you can't help but grab a slice before you quickly scramble out the door, jump in your car and head back to the gas station.

Doing your best not to get too down on yourself for this stupid mistake, knowing it was only a two hour setback, all has not been lost

You still have plenty of time to mow the lawn.

Wallet in your pocket, all you have to do is grab a couple gallons of gas and you'll be home and mowin' away in no time.

Pulling in the gas station driveway and seeing your fave pump is once again wide open, it's a sure sign you'll be out of there and back home in no time.

Swiping your debit card and punching in your PIN, everything's ready to go.

Oops, forgot to grab the gas can. Rookie mistake.

Easily understandable as it's not like you have to do this last minute scramble to the gas station every week.

Walking around to the back of your car, opening the trunk, reaching for the gas can and BAM, it's not there.

Say WHAT!?! I know I brought it. I had it in my hands the first time I was here.

Then it dawns on you that yes, you did indeed have it in your hands the first time you were there.

And you set it down next to the pump prior to realizing that you'd forgotten your wallet.

And in your haste to rush home to grab your wallet, you left the gas can sitting by the pump.

Your first thought is "If I ever catch the guy that stole it I'll..." but calming yourself, you decide to head on inside the Gas-N-Go in hopes it was found by some kind soul and returned, knowing you'd be returning for it soon.

No such luck. And even worse, the clerk informs you that they're currently out of gas cans as they've had a run on them as of late.

That's when it hits you. You've been down this road before.

Hence the other half dozen gas cans sitting empty on the shelf in the garage, one of which you'd be grabbing before you headed back to the station for the third time.

No sweat, third time's the charm.

Heading back to your car, shaking your head in defeat, wondering how could all of your plans have gone so wrong, you decide to top off your tank.

After all, you've already submitted your card, not much more of a delay.

Might as well make the best of a bad situation. At least it will save you a trip later on in the week.

Click... click... click. $1.43 later, your tank is full and you're good to go.

Okay, so you filled up a couple days ago and didn't really need this trip to the station after all.

But you did need your wallet. And if it wasn't for this whole fiasco playing out the way it did, who knows how long it would've taken you to find it.

Let alone to even realize it was missing. At least not until what's sure to be a rather stressful Monday morning thanks to today's plans falling through.

Thank you Universe, you done good. Well, good enough anyway.

All the way home you're working out your Plan C for the rest of the day.

Sure, you're behind schedule by about 4 hours but there's still time to get back to your house, grab a gas can, rush back to the gas station, and make it back home again in time to mow the lawn.

Woo Hoo, all is not lost after all. You got this!

Almost home, rounding the corner, Dangit! You've gotta be kidding me!

Pulling in your driveway you can't help but notice that your auto-sprinklers are on full blast and your lawn is completely soaked.

Which, as anybody that's ever mowed a lawn knows, is the number one "No Go" signal for mowing the lawn.

Which is also the reason why you needed to get an early morning start in the first place. In order to beat the sprinklers.

So much for all your Saturday plans. The lawn will never be dry before dark. Looks like you'll have to give it another go tomorrow.

Oh wait, no can do. You already made plans to have friends over to watch football. Better make plans for next Saturday instead.

Now, what to do with the rest of your Saturday since all of your plans have been cancelled.

Looks like it's going to be an afternoon chillaxin' on the couch with a few slices of leftover pizza.

Sitting there, you begin to reflect on this whole GCR thing and can't help but wonder if this is what's going on with those hard working guys and gals back at GCR Headquarters.

Perhaps they're experiencing these same glitches, continually making plans, only to have them fall through time and time again.

Can't be something as stupid as them simply forgetting to wind the GCR Clock. Or can it?

Naw, chances are the QFS is now in charge of the GCR Clock along with all of its other duties.

One would also think they have a backup plan as well, just in case their original clock goes cuckoo.

And what about all of the people rumored to be waiting "on hold" at some 7,000 Exchange Centers across the country. They have to be pretty sick and tired of leftover pizza by now.

Any way you choose to look at it, at least you know there are many others who share your frustration of endless plans being cancelled.

At this point the only thing you know for certain is you're guaranteed to have the best Christmas ever.

And by the time your family and friends arrive for the holidays you're going to have the best looking lawn on the block.

That is, of course, unless you run out of gas and have to make alternate plans.

If that happens, then all bets are off.

Hang in there folks. We're getting closer with each passing day and before you know it you'll be ever so grateful that you never gave up.

Sincerely,
Dr. Dinar

Disclaimer; I'm not a Wealth Manager, Financial Advisor, CPA, Tax Attorney, RV/GCR Committee member, or a horse jockey. I'm simply someone that chooses to believe in the power of positive thinking and on the odd chance this thing truly is real, I want to make sure I'm there at the finish line to enjoy it.

Holiday Tidbits From Recaps Archives

HOLIDAY EATING TIPS

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

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

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

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

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

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

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

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

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

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

~~~~~~~~~~

*Adventure With Grandma* 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Home Free - Do You Hear What I Hear?

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

"I Was a Paid internet Shill" from Recaps Archives

From Dinar Recaps Archives

I Was a Paid Internet Shill

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Yours,

ExShill

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

<

>

More "Blasts From The Past" From Dinar Recaps Archives

From TNT:

Daz: ITS EASY TO BELIEVE IN JUST THE FACTS

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

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

WITH ALL PROCESSES YOU MUST SET GOALS AND THOSE GOALS ARE MARKERS TO MEASURE PROGRESS TOWARDS A FINAL SUCCESSFUL RESOLUTION.

SOMETIMES THOSE GOALS ARE HIT...AND SOMETIMES THEY ARE MISSED...BUT EITHER WAY YOU ADAPT, ADJUST AND TRY TO NAVIGATE A NEW OR MORE SUCCESSFUL PATH TO THE END OF IT...ULTIMATELY, IT IS JUST A PROCESS.

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

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

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

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

THEIR MONEY ALWAYS HAD VALUE, HISTORICALLY AND CONSISTENTLY.

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

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

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

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

HANG IN THERE BUT...KEEP LIVIN'.

WE'RE READY WHEN THEY'RE READY.

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

That moment when………..

Never Sell Your Seed by GTabDinar

Never Sell Your Seed

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

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

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

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

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

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

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

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

Your Dinar is your seed.

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

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

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

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

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

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

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

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

A "Blast From the Past" From Dinar Recaps Archives

A Blast From the Past: From Recaps Archives

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

Dinar Dictionary

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SIGNS that YOU have a Dinar Addiction!!

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

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

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

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

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

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

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

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

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

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

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

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

Jim Cramer of Mad Money Talks About Iraqi Dinar

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

Private Banking Vs. Wealth Management: Not Quite the Same

Reposted for our newest readers: From Recaps Archives

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

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

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

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

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

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

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

PRIVATE BANKING

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

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

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

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

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

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

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

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

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

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

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

Wealth Management

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

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

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

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

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

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

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

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

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

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

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

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