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UNEEK

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Everything posted by UNEEK

  1. Thanks Machine -- that was sad -- but nice -- glad he has the dog !! They are the BEST !!
  2. Good Points Machine -- I meant to make mention of some of those earlier and got distracted -- much depends on our education - our mindset / attitude - not so much age as the wisdom at the age -- some 30 yr olds could be wiser than some at 60 yrs -- lol many factors can come into play - I have more money now than I have had in previous years - for several reasons -- I work many more hours but have less overhead -- lol anyway -- the point I wanted to add is that because I have a little more and understand inflation I will allow myself to spend a little more for that lb of butter instead of doing without or buying margarine - I feel blessed in a way - but everything comes with a price - I am still frugal in many ways but it is by choice - Thanks for sharing to the thread
  3. WOW Machine, yes things sure have changed -- and I looked at that figure in error the first time - WOW again -- That is 4 Million !!! and 2 score years ago!!!! I still feel that with some discipline and professional guidance that a million bucks can go a long way
  4. Thank You Chess, I feel I do much better researching helpful - enlightening - thought provoking articles instead of giving my total energy & thinking to this dinar saga which consists of lots of speculation and rumors - lol
  5. Ahhhhhhh pokerplayer, thank you for your reading and support -- I have lists and lists of things to remember to do pre & post RV - it's pretty darn overwhelming - little reminders that create a "repetitive thought" like this works for me - and I find helps to find a place in my mind for easier recovery at a triggered important moment -- Right? UNEEK
  6. Ahhhhhh, thank you Texas Granny, I was wondering - I was understanding the Opinions & Perspectives was what WE ourselves would share not someone elses - like I said, I was not sure --
  7. I bet there would be many different "first" reactions to this scenario -- I think it would be a good project for theses people that do things like this and post you tube videos of lol -- What do you think your knee jerk reaction would be and the first thing you would think about doing before you "really" gave it thought without the emotions? lol I like having options don't you? I also like to hear different perspectives on an idea -- especially the pros & cons don't you? Of course the final decision is ours and ours alone -- (unless you have a significant other lol) Below is just more advice with maybe a little different twist to what we have been viewing / contemplating / and discussing for the past few years -- I like to keep things fresh in my mind don't you? I have many posts in archives and find going through them periodically is helpful - UNEEK 3 Things to Do When a Bunch of Money Falls in Your Lap By AJ Smith A windfall of cash can seem like a dream come true, but it turns out that if you're not careful, that money can disappear quickly. It is all too common to ignore the warning and end up squandering the money before putting it to good use. Consider taking the following steps if you ever come into a hefty sum so you can make the most of your newfound wealth. 1. Stop & Think You just received a massive influx of cash so you should hit the stores, right? Wrong. Shopping sprees as soon as your check clears is the No. 1 mistake to avoid. The shock of a sudden large-figure windfall can cause irrational behaviors, lavish spending or sharing too extravagantly. It's a good idea to avoid spending all the money you just received without making proper use of it. You can try to take a few months and consider your short- and long-term financial goals. Then you can make sure your spending decisions align with those goals. Park your money somewhere safe like a savings account or CD so you have time to get your emotions under control, evaluate your needs or wants and get in the right mindset for better decision-making. You can also always consider working with a financial adviser if you are unsure about what to do with the money and feeling overwhelmed with the options. 2. Dump the Debt It's a good idea to consider your whole financial picture when determining how best to use that new money. It may be hard to learn which debts should be paid off first, but consider the high-interest balances like credit card bills before you get to other debts like student loans or mortgages (the lifetime cost of debt is staggering — paying off high-interest debt can make a big dent in that cost). If you can make prepayments or even finish paying out all the money you owe, your life could be in for a big, positive change. It's important to make sure you won't have to pay any penalties if you pre-pay any loans, including your mortgage. Also, even as you pay off debt, it can be a good idea to save some money in an emergency fund so you are covered if any surprise expenses come up. Many experts recommend establishing or strengthening your emergency fund with six to nine months' of expenses. Keep in mind that paying down debt has the added benefit of helping your credit score. On-time payments and lower credit utilization rates can help maintain or build a great credit score. You can see how your debt is affecting your credit scores for free every month on Credit.com. 3. Plan for Your Future Once you address your immediate financial health, don't forget about the future. It's a good idea todetermine how much you will need for retirement, how much your child's education will cost, details on that second home or business you want to start and get to work on those goals. You could even consider using some of the money to pay the closing costs so you can refinance your mortgage to a lower interest rate. Depending on how high your current mortgage rate is, this can save you significantly in how much money you will pay in interest over time. Last but far from least important, remember the taxes you may face now that your income for the year has grown substantially. The exact amount will depend on how you came into the money, but it's important to research what is taxable and be prepared for the sudden bracket bump. Once you have some funds allocated for saving and repayment, you can invest in the market carefully or splurge within reason. Just be sure to review your finances regularly to make sure you get maximum benefit from that windfall. http://finance.yahoo.com/news/3-things-bunch-money-falls-113043756.html
  8. I wonder if I posted this in the right section? Maybe it would be better placed in Opinions & Perspectives? Mods I was not sure -- I think she has been posted in both places -
  9. WOW -- Thanks for sharing your thoughts -- wish I could change your way of thinking -- I do believe in Karma -- I also believe in luck but think we can influence that -- just like our actions influence our Karma -- we are either collecting Karma Debt or Paying our dues -- I can only encourage you to do some research on how our "thinking" -- the way we think and what we think creates our reality -- negative breeds negative -- There is a very inexpensive book by James Allen -- "As A Man Thinketh" -- please give it some serious thought for reading - it is only a few bucks on line - UNEEK There are many other great books that have been my food over the years that I do give credit to for helping me to thrive & survive in a challenging world - Maybe -- just maybe I will compile a list and share it ??? Maybe others would do like wise???? UNEEK The foolish ( or slow learner) learns by their mistakes ----- The Wise learn by the mistakes (or successes) of others -- I have learned by both lol UNEEK
  10. bigwave -- lol great post thanks a bunch it even gave me a chuckle -- yep beans - cheese crackers - peanut butter & jelly - what ever -- even buying clothes from thrift shops which I have done most of my life and do not regret it -- We all make our own choices & decisions - I sacrificed in certain areas in order to afford in others - don't regret that either !!
  11. Thanks everyone for your input / feed back -- These past 6 years have been very enlightening for me but I bet for all here -- I have lived a very frugal lifestyle - leaving home at just barely 17 yrs old -- with a wrecked car and no money in my pocket -- I did have a job though -- Sometimes cheese crackers were my lunch -- My parents were very strict and while at home and working I did pay a small room & board from my earnings -- A curse then in my mind but a valuable lesson for survival & money management when I decided to leave home (under unfavorable conditions, sad to say) My life has changed a lot over the years as I have experienced many set backs from being robbed or just poor economy -- I have been self employed most of my adult life and that in of itself brings a lot more challenges (IMO) - A million dollars really is a lot of money but even more so to the mindset when you do NOT have huge expensive material desires -- I feel that age & wisdom can play an important part in the scenario -- The younger "seem" to be more materialistic and undisciplined in their spending -- I could summarize by saying -- You either augment your means or diminish your wants -- but if you are "WISE" you can balance that to your advantage - UNEEK
  12. WOW - what a dilemma we face these days -- We read & hear about the risk of putting our money in the banks but yet if we hide it in our homes it still poses a risk -- Just what do we do?? One thing that I feel is a major consideration is a back up plan -- a note somewhere to recover in case our memory fails us..... or worse .... we expire our time here .... I just very recently told my daughter some very personal information concerning some valuables ...... just in case ........ I was in that 27% ha ha for the freezer -- I put it there probably 1 1/2 yrs ago and "forgot" -- found it by accident just a few days ago along with a $100 bill in a wallet that I was no longer carrying -- I have hidden small amounts of money for emergencies since my early teen years when I first started earning it - I think I have more hidden but plan to clean out freezer soon so will take a closer look at what I throw away -- lol Maybe it would not be too smart for us to mention our favorite hiding places but it might be fun to read stories of hiding and finding cash / treasures - Have you misplaced things that you still have not found? Or have you found things that were hidden by some one else? I have read some very interesting stories of folks finding huge hidden treasures in old houses - In the walls - behind picture frames - in the floors -- under carpet -- in the basement -- etc. My house is 100 years old but I have not found anything of value yet lol -- I hope some of you will share your interesting stories -- Anyone still looking for their misplaced Dinar ? ??? I think I finally have all accounted for now with receipts -- UNEEK Forget The Bank: Why Many Americans Are Hiding Cash Where to stash your cash? Some Americans are sleeping on it-literally. While banks are still the go-to solution for most consumers, 29 percent say they're keeping at least some savings in cash bills and coins, according to a new survey of 1,820 adults from American Express (AXP). Of those holding cash savings, 53 percent are hiding it in a secret location. Millennials are even more apt than other generations to go the mattress or freezer route, with 67 percent of those saving cash saying that they hide it outside a bank account. "We've long asked people about how they've planned to keep their savings, and for the past few years, we've seen an uptick in people saving cash," said Kimberly Litt, public affairs manager at American Express. This is the first year the company has specifically asked Americans about tucking away cash. The survey also found that about 1 in 4 consumers anticipates a financial emergency this year, and hiding cash at home could be one way people are preparing. "I've also heard of people using it as a budget technique, keeping cash in envelopes set aside," said Litt. AmEx didn't ask where, exactly, that cash is stashed, but a 2012 Marist College survey of 1,080 adults found that the most popular place-with 27 percent of the vote-is the freezer. A little less than 20 percent of Americans hide cash in a sock drawer, while 11 percent put it under the mattress and 10 percent secure it in a cookie jar. Another 9 percent keep their cash somewhere else in the house. "We saw a surge of this back in 2008, when the banking crisis was going on," said security expert Todd Morris, founder and chief executive of BrickHouse Security, a company that sells security, technology and surveillance solutions. The trend has continued in recent years, he said, with more people installing floor and wall safes to store important documents and cash. But keeping large amounts of cash in the house is something that makes personal finance experts cringe. "Can't discourage it strongly enough," said Greg McBride, chief financial analyst at Bankrate.com. "That's a recipe for problems down the road." Primarily, that's because the funds don't have the same loss protections afforded to an FDIC-insured savings or checking account. "Keeping money stashed around the house leaves you at tremendous risk of theft or loss due to fire or some sort of unforeseen disaster," he said. There are plenty of horror stories, such as the Israeli woman who in 2009 replaced her mother's old mattress, only to learn that it was where she'd hidden her life savings, an estimated $1 million. Or the man in Moline, Illinois, who accidentally donated a suit with $13,000 stashed in a pocket. That said, it's not a bad idea to have a little cash at home, for use in an emergency, said McBride. After a major storm, for example, ATM access may be limited or stores' credit card processing systems may not be working. Keep on hand what you'd need to tide you over for a few days, with the exact amount depending on your family's financial situation, he said. But even then, come up with a decent hiding spot. Thieves know which spots are popular, Morris said. "Burglars definitely know certain places to look, like the bottom of your sock drawers, and underneath your drawers, where it's easy to tape an envelope [of cash]," he said. "If you think about your house and you know where things are, you can think about some places where people wouldn't look." Maybe a tool box in the basement, for example, or a little-looked-at book on your shelf. Pick just one place, Morris said. Divvying up cash among multiple spots increases the chance of you forgetting one of the hiding places or otherwise losing the cash (say, by adding the pair of boots where it's stored to the yard sale pile, or throwing out that old hairbrush that's actually a diversion safe). Be sure to tell at least one other person the location of your hiding place, he said. That reduces the chances of an accidental disposal, and also ensures your assets won't be lost if you suddenly pass away http://finance.yahoo.com/news/forget-bank-why-many-americans-161502396.html
  13. For those that like to read her musings ... here is her latest ..... UU1010 – “Our Hopes and Dreams” by Mnt Goat Hi Everyone, The weather today in Bavaria is cold and snowy but I am reminded that winter is fun too by Meine Kinder. Yesterday the family took a trip to the sliding mountain and we spent the afternoon enjoying the outdoors in the snow. Later we sat in the lodge ate lunch and sipped on something warm. As I sat cozy with my family I realized something. Call it a revelation if you will. I realized that the colder the winter the nicer the spring seems to be in Bavaria. The larger lesson I guess is always to have hope and keep hoping since there’s nothing like a dream to create the future. I wanted to give all my dinarian friends a quick on the status of what I have been talking about these last couple news letters, that of the imminent RV of the Iraq currency. I hope everyone also read my last news letter dated 01/28 since this is a continuation of this ongoing saga. Today’s News Today is Friday Jan 30th already and yes we are only one (1) day from the end of a span of time ( a window) I was told would be the best possible time for us to witness the revaluation of the Iraq dinar. So why have we not yet seen it? FIRST - let me say this window is not yet over. So we still can expect to see progress if all holds true. SECOND- there where many who got on their “band wagons” and started announcing that the budget was passed prematurely such as on Wednesday and yet we knew that the GOI and Parliament told us the final voting process would not take place until Thursday. So what’s happening here? Once again we witness these “intel gurus” wanting to be the first to call the RV and so they hype up events and want to tell a story their own way instead of just settling back and listening to what is really happening. So once again we see they do not still know or understand the political / legislative process in Iraq. They told us the 2015 budget was passed on Wednesday. Really? I say passed by who? This messed with our minds and causes us to hope for something sooner than later. Do they even understand that the Iraq news media said “The Finance Committee approved the Budget law of 2015 on Wednesday”. This did not say a final vote was taken by parliament on Wednesday! Did it? Did I miss something? Do they still not even know that parliament is the branch of the Iraqi government that has the “final” voting power to make laws. The finance committee does not vote on the laws. They simply, in conjunction with the GOI, write the laws and then pass them on to parliament for review (usually 2 readings) and then a 3rd session for a final vote. Then it goes to the executive branch to get ratified by the president of Iraq. Then it gets published in the gazette to be final and can be implemented. So this is the process we watched for. So these constant misunderstandings then get perpetrated down to the rest of us who trust in their information. Maybe this our mistake, since we trusted them to provide accurate information? Maybe we should not listen to them so closely? Just my thoughts. THIRD - in my last news letter on 1/28 I stated I just got off a call with my CBI contact in Iraq. I also said that the information I received said it might take a couple days before we see any RI or RV after the final vote is accomplished. Let’s dissect what I just said- So the final vote did happened yesterday, as scheduled. It also passed as I said it would or they wouldn’t have even taken the vote in the first place. They postponed the vote twice yesterday just to ensure it would be successful. So how could it have already happened then on Wednesday. Right? It made international news and so this was the announcement we all have been waiting for. Over all we can see that we are soo very close to this RV / RI that if this event was a fly it has landed on our nose and we can see it……lol….. All the news from yesterday is very exciting news and was history in the making. Remember this is the very first budget EVER completed and through the legal, formal parliamentary voting process since post war for Iraqi’s new government. It is a HUGE achievement. It brings hope for Iraq since for the first time all the secs / tribes are working together in some sense of unity towards a common goal. Remember also the Amnesty and the National Guard efforts are closely linked to the budget since both of the programs need funding. Both of these programs are essential for the future of unity efforts and national security. FOURTH - President Obama and the first lady will be visiting Iraq soon. It will be a short visit but I believe it is a hopeful visit. Why do I say this? I say this because Obam refused to go to Iraq when Maliki was in charge and did not want to show any respect for this man. Now he comes to Baghdad to great the prime minister Abadi and congratulate him on all the progress so far. This is a partnership call. But most importantly I believe he is going to nail down two main issues: 1) USA support in fighting ISIS 2) the future of Maliki and how he will be dealt with. Remember I told you months ago there was a plan for a trial and execution of Maliki. This was all supposed to happen already prior to the end of 2014. This did not happen on the timetable and so this is a sticky issue with the USA and it must be worked out with Iraq as to what is the next step. I believe fully that Obama will be talking about this and pressuring Abadi to make the next move. Shortly after this visit we will see some positive actions in this direction. Already we have seen the list of charges and this was a step to let all the citizens know this is coming. My personal feeling is that Abadi did not want to “tip the apple cart” just yet with Maliki since there were so many other more urgent matters to take care of with the Unification effort, Judicial reforms, HCL, 2015 Budget, etc, etc. Granting Maliki the vice president position was a strategic move that I believe will pay off big for Abadi. It is like putting Maliki “on-hold”. Heck he even lets him stay in the prime ministers home, which is one of the former Saddam Hussein palaces set aside for the new prime minister’s residence. From my experience in the intelligence area I can whole heartedly tell you this much: 1) There will never be peace and there will always be bombings in Iraq as long as this Maliki guy resides in Iraq for as I have said many, many times already he is the focal point, and the instigator of these terrorist activities. He is actually the leader of terrorist activities in Saudi, Syria and Iraq led by Iran. Now with the Stryker ISIS and Mosul ISIS incidents they have affirmative proof and the entire country witnessed it; 2) Iraq will never free itself from Iranian influence and become truly a free nation as long as Maliki resides in Iraq. It is time to invite the Iranian quds forces to leave Iraq. Vice President for USA already has stated it is time; 3) The PTB can not let Maliki let lose in the Middle East (if he were to leave Iraq) since he would only move on somewhere else and begin his reign of terror all over again; 4) The PTB must use the punishment of Maliki and his goons as an example of what to expect to the other would-be dictators (i.e. Assad) in this part of the world. Next Steps: I believe they will take this weekend to push the needed rate files once again down to the exchanges and banks as needed for a revaluation rollout. If not this weekend very shortly. Remember the USA controls this software to complete this process. They have signed on to accomplishing this task when Iraq gives them the go ahead. Then the banks and exchanges will verify it is all completed and ready and then they will sign-off on it. Then Iraq will announce their RV and out pops the new rate. I am told it will be a reinstatement (RI) of their currency followed by a revaluation (RV) 4-7 days later. I may be simplifying it a bit but you get the general flow of the events. So you see Al-Abadi had to make a decision soon on when to RV his currency. I believe this decision has already been made weeks ago and we are now in the final countdown window now that the budget is truly done, done, done…tic toc...tic toc…. Peace and Luv To Ya All, Mnt Goat
  14. A million bucks still sounds like a lot of money to me!! I have not calculated what I have made thus far from the many jobs I have had and I guess it could come close to that or maybe even exceed a bit ( I have not had high paying jobs ) This article put things in a sobering perspective -- and unless you exercise some discipline and smarts that million bucks could vanish quickly -- These thoughts have been voiced before but I thought it was still an interesting article to share -- You know we pass over a lot of articles or read them when we are in a certain mindset and they do not necessarily "click" at the time - whereas at a different time they do -- 3 Reasons Why $1 Million Is Just Not a Lot of Money The infamous $1 million. It’s been the top prize on hit game shows like Deal or No Deal and Who Wants to Be a Millionaire? – it’s also a financial goal many people strive to meet. “I want to be a millionaire someday,” people may say when talking about their career and financial goals. But how much money is $1 million? Is it enough to live happily ever after without ever having any financial troubles? Probably not. Even if the $1 million you received was somehow magically tax-free, it’s still probably not as much money as you think it is, and the large sum of money certainly isn’t what it used to be. 1. Past, present, and future Although it sounds like a lot of cash, $1 million of today’s money is only worth about $42,000 of 1914 dollars, which is less than today’s median household income. Even if we go back 50 years, $1 million in today’s money would only be worth a fraction of that amount — or around $133,000 — worth of 1964 dollars. Also, think about it this way: How old are you? If you received $1 million today, at age 25 or 30, for instance, you would probably have at least another 50 years on this Earth (if you lived until the average life expectancy of around 80 years old). During the next 50 years, your $1 million is only going to decline in value. According to Buy Upside’s Inflation Calculator, its value will be roughly $225,000, if the inflation rate is constant at 3%. The only way to protect your money is to invest it, which requires a degree of discipline (you’d have to refrain from spending it all). 2. Have more, buy more Those who have more money are inclined to spend more money. A simple glance at the Bureau of Labor Statistics’ consumer expenditure surveys shows that as income rises, so does spending. The lowest income group had $22,830 in average annual expenditures on the latest survey, the middle-income groups had average expenditures of $36,093, and the highest spent an average of $85,264. When you have a bank account that’s filled with all that money, it’s easy to convince yourself that you “need” to buy a five-bedroom house on the water, instead of a modest two-bedroom home. It’s also easy to get into the mindset that you “have to have” a Bentley, instead of a Honda Accord. A million dollars will go quickly unless you hold onto the same lifestyle as you had before you acquired the sum of money. 3. You would likely have to remain employed A $1 million tax-free windfall would probably not allow you to up and quit your job, unless you had some sort of brilliant investing strategy coupled with extreme self-discipline. If you were to simply save and live off of the money, it would only amount to an annual salary of $50,000 over 20 years, $25,000 over 40 years, or $20,000 over 50 years. Also, let’s not forget that those relative amounts will decline in value over time. The average worker with a bachelor’s degree earns $2.4 million over his or her lifetime, which is more than double the $1 million windfall. Even those with no college degree far exceed the $1 million mark over a lifetime. So, although a $1 million cash prize could certainly be life-changing for most people, it wouldn’t necessarily be the permanent answer to all of your money problems. Unless you have a constant income source flowing in — through employment, investment returns, or elsewhere — your $1 million windfall would blow away fairly quickly. http://wallstcheatsheet.com/business/3-reasons-why-1-million-is-not-a-lot-of-money.html/?ref=YF
  15. Good Morning all -- Thanks Thug for the post --- I sure Hope Stryker is right -- I agree with you Chuck Finley ........ Monday sure suits me ... We are so ready for this !!
  16. Wow -- hate to say it but that sure isn't a very complementary picture of him / her in the present -- There sure are a lot of folks coming out of the closet - I see it in the news all the time - We live in troubled times -- or maybe .... These are the times of many trouble lives --
  17. Hello Thug - How's it going?? Hope you are doing well -- I am staying busy - thrive & survive - you know these days it's a task - -- doing my best to stay out of trouble - away from the curb - out from under the bus -- and dodge anything flying -- lol -- -- take care - keep up the good work -- Oh and by the way -- I posted this article earlier -- it is a great article -- http://dinarvets.com/forums/index.php?/topic/195643-a-fake-bank-really/
  18. Thanks for bringing this - I have not seen it in ages and it brought a chuckle when reading it again --
  19. I have said this before -- Just when you think you have seen & heard everything in the outlandish unbelievable category - you get another knee jerk news article that causes you to drop your jaw in awe - Below is such one article -- A Fake Bank? Really? Operated for a year? What's Next? January 28, 2015 Notes From The Field By Simon Black “just because you can log on to your bank’s website and see an account balance printed on the screen doesn’t mean that the money is actually there.” Sovereign Valley Farm, Chile Last May, Mr. Wang from Hangzhou, China walked into a bank on Jiangpu Street in Nanjing, opened an account, and made a 12 million yuan deposit. The bank was new, but it didn’t look different from any other bank that Mr. Wang had been to. It had a giant vault, counters for the tellers, exchange and interest rates posted on the wall. And above all, it was very elegant. But after a few weeks, Mr. Wang stopped receiving the interest he’d been promised. When he tried to withdraw his money, the bank froze his deposit. So he went straight to the police. Turns out that even though it had been operating for over a year, it wasn’t actually a licensed bank. Apparently some people had simply renovated a building to give customers the impression that they were a real bank. But it was a total scam. Some of the senior executives have since been arrested, and the story is now slowly leaking out to the Western world. What I find particularly interesting about this story is that it reveals how people have been programmed to hand over our hard-earned savings to complete strangers, simply because we walk into a building and see a vault. In this case the bank itself was a ‘fake’, i.e. it wasn’t sanctioned by the government. Candidly, though, I find very little difference from government-licensed banks that recklessly gamble their customers’ money… or that are effectively insolvent to begin with. It’s crazy to think that very few people ever conduct due diligence on their bank. You wouldn’t just walk up and hand over your life savings to some bum on the street. But put him suit standing in front of a vault and suddenly the air of legitimacy compels us to hand over everything to this complete stranger who has a track record of screwing his customers. We’ve discussed this before. Many banks, particularly in the West, are highly illiquid and borderline insolvent. You don’t even have to take my word for it. Go see for yourself. Each quarter, most large banks publish their financial statements. And with a few simple calculations you will be able to see just how illiquid they really are. Some of the largest banks in the west, for example, state in their financials that they only hold a small fraction (often less than 3%) of their customers’ deposits. The rest is loaned out or gambled away. It’s not exactly a conservative practice. Given that they actually publish these results, the banks themselves are telling anyone who’s paying attention that they’re very risky. Fortunately for them there are very few people paying attention. People simply think that just because it’s a bank, it must be safe. This Chinese bank happened to be fake. But again, when you look at the actual data, the “real” banks, particularly in the developed West, aren’t much safer. Bottom line — banking is all about confidence. It’s imperative to have trust and reliability in credible, conservative, strong, transparent financial institutions. Even if you don’t understand finance, one way to test your bank’s transparency is to ask them for their financial statements. If they won’t do it, you should not only walk out the door, you should run. And be sure to take all of your money with you. Handing your money to a stranger DEMANDS transparency. If they’re not willing to be transparent, that’s a bad sign. As the people of Cyprus found out nearly two years ago, just because you can log on to your bank’s website and see an account balance printed on the screen doesn’t mean that the money is actually there. For banks, your account balance is a liability -- money they owe you. Think about that: your bank OWES you YOUR own money. Do they have it? It’s a question worth asking. And a lot of the information is right there in the financials. Just because there’s a vault in a building doesn’t mean that they’re good for it. Trust and confidence are built by conducting serious due diligence and making calculated, informed decisions about the strangers that we’re dealing with. Until tomorrow, Signature Simon Black Founder, SovereignMan.com http://www.sovereignman.com/welcome/
  20. Thanks for sharing -- this is just heart wrenching -- animals are more civilized than humans -- I am doing what I can now here and abroad -- I will surely do more of what I can do financially to help many after the RV - I will work full time in some way to lessen the suffering -- I know first hand many different kinds of pain / suffering and anything to lessen that of others is "huge" to them - UNEEK
  21. I am actually a little excited tonight with all the good news that has surfaced - The CBI really has been busy and it looks like progress is being made with the budget - Lots to be positive about and happy to be where we are -- I have another reason to be excited - while admittedly a little embarrassed at the same time - I was digging in my freezer tonight for something and found a bank bag stuffed on the bottom shelf in the back - Inside was some nice crisp cold cash -- literally !!! in the amount of 1 million dinar -- Ha Ha Ha -- It has been there at least 1 1/2 yrs and I had forgotten about it - Just a couple days ago I also found a $100 dollar bill folded and in behind some papers in a wallet that I had not carried in a year -- my year is getting off to a good start !! Please tell me there are others here who have done this -- Has anyone misplaced their Dinar and still looking for it? Surely I am not the only one -- That would really make me UNEEK :)
  22. It appears that many are watching & talking about the CBI - There were a few "emergency" (lol) conference calls today (My Ladies & Frank26) and much talk about what the CBI is doing - Below are just a few lines from Millionday's chat tonight -- she is still going strong and will likely be another 45 - 60 mins before closing - I also posted 2 articles that seem to have folks stirred -- it all is looking good for us -- I don't post much any more but thought this was something to be positive about -- I hope I have this in the right place -- Mods I apologize in advance if I am in error and thank you for your assistance to proper place - UNEEK 7:54 PM] Josie: ""CBI HAS AGREED TO FINANCE THE BUDGET AND PAY FOR THE BONDS IN A BUY BACK" "ALSO AS WE KNOW THIS DOES NOT TAKE FROM THE RESERVE" So, the CBI able to accomplish this in its' current financial state? Or would they need to Re-Value their currency in order to fullfill this statement based on what our current understanding is on the size and scope of upcoming budget ? Please clarify 7:57 PM] Millionday: NOTE -- THEY HAVE RELEASED ONLY THAT THEY ARE GOING TO DO THIS BUT WE DONT KNOW THE DATE -----THEY ARE TO FINANCE THE OPERATION OF THE FOREIGN OIL OPERATING COMPANIES SO THIS SHOULD BE IN US DOLLAR FOR THE BONDS WHICH THEY HAVE DUE TO OIL SALES -- AND THEY ALWAYS HAVE US DOLLAR AT CBI BECAUSE OF AUCTIONS AND EXCHANGE OF PROCEEDS --- THE FUNDING OF THE DEFICIT WILL BE UPCOMING AS IT IS EXPENSES [8:15 PM] Millionday: SO THEY ARE SAYING THAT THE BANKS WILL ALSO BOOST THE ECONOMY WITH INTERNATIONAL INVESTMENTS DUE TO THE LACK OF DEFICIT THEY SAY THIS IS A GREAT TIME TO ACTIVATE THE INTERNATIONAL INVESTMENT--- IT WOULD BE A GREAT TIME WITH THE ECONOMIC CONDITION OF THE GLOBAL ECONOMY --- 8:23 PM] Millionday: parliamentary Finance Committee, on Tuesday, for completion of the draft federal budget for the current year law within hours, he did not monthly grant for university students Cancel. The committee member said Masood Haider Rustam in an interview / Baghdadi News / "The committee is now discussing the latest proposals on the federal budget law," expected "the completion of the federal budget bill during the evening." "The Commission has completed the budget report fully," noting that "the doors fixed in the budget is still valid in the new draft law, including the monthly grant university students that has not changed so far." [8:25 PM] Millionday: NOTE -- IT SAYS WITHIN HOURS OR THIS EVENING WOULD SHOW A FINISHED BUDGET BUT WE WILL SEE CBI supports commercial banks and buy treasury bonds January 27, 2015 16:00 Iraqi Central Bank has agreed to support the liquidity of specialized commercial banks $ 5 trillion dinars to enable them to provide loans to industrial and agricultural and providing loans to industrial and agricultural and providing housing and real estate loans in support of economic activity and job creation. According to a statement obtained by direct a copy of which has been the central and also agreed to buy back treasury bonds from the secondary market, where the central bank will buy about 5 trillion dinars first stage of those bonds. Note that previous actions do not affect the Central Bank of Iraq Special Reserve. LINK Central Bank decides to support banks five trillion dinars and finance the budget six trillion dinars Tuesday January 27, 2015 12:37 the Iraqi Central Bank decided Tuesday commercial banks to support five trillion dinars and finance the budget six trillion dinars. The bank said in a statement, "Alsumaria News" received a copy of which was "in line with the central bank's tasks and responsibilities in supporting the development and stimulate the Iraqi economy, and agreed Management Board of the Central Bank, among the proposals made ​​by the Bank's management, including specialized support liquidity of commercial banks in the amount of five trillion dinars to enable them to provide loans to industrial and agricultural and providing housing and real estate loans in support of economic activity and job creation. " The bank said it was "also decided to finance public Budgeting state $ 6 trillion dinars run through 50% of the deposits of commercial banks reserves with the Central Bank of Iraq," noting that "he also decided to buy back treasury bonds from the secondary market, where the central bank will buy about ( 5) five trillion dinars first of those bonds as a stage. " The bank said that "the actions taken by the Bank for upholding the private reserves of the Central Bank of Iraq." The prime minister for economic affairs adviser to the appearance of Mohammed Saleh, in (December 25, 2014) that the Bank of Aakarz government If the low budget Iraq General indicating the direction to activate the budgets of development banks and funds housing. The new law, the Central Bank of Iraq No. 56 for the year 2004 despite the objection of private banks on some of its articles, but he granted independence of the central bank's monetary policy in the administration of Iraq. LINK
  23. Hey Patty - nice to see you again -- yes the Machine is awesome -- he is so smart -- like I said earlier -- I wish I would have started my economics schooling 20 yrs ago - but I took a different direction - I made money but did not learn how to multiply or protect what I made -- It seems I always made just enough to get by -- ( but not really even that) even working hard that was still about the best I could do -- My thinking is to put more blame on "the system" lol -- but seriously -- I am taking a positive assertive direction on more protection -- I have been buying silver for a long time in small amounts - I am not looking to live an outlandish luxurious lifestyle -- I just want a nice new house and a new car -- and the rest to help others -- and the animals -- love the animals !!!
  24. Just when you think you have seen it all - heard it all -- the most outrageous - the most unbelievable - inconceivable -- and then someone moves the bar -- This week has really been a challenge with reading the news -- Pattyangel -- I join you in that prayer -- each person can do something -- and through prayer we can each know what our part is to be --
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