Mr T

Here is Hilary's schedule for today (not in ME either) Public Schedule Washington, DC January 12, 2012 -------------------------------------------------------------------------------- SECRETARY Hillarious RODHAM CLINTON 9:15 a.m. Secretary Clinton meets with the assistant secretaries of the regional bureaus, at the Department of State. (CLOSED PRESS COVERAGE) 10:30 a.m. Secretary Clinton holds a bilateral meeting with Algerian Foreign Minister Mourad Medelci, at the Department of State. (JOINT PRESS AVAILABILITY FOLLOWING BILATERAL MEETING AT APPROXIMATELY 11:05 a.m.) Pre-set time for video cameras: 10:15 a.m. from the 23rd Street Entrance Lobby. Final access time for journalists and still photographers: 10:45 a.m. from the 23rd Street Entrance Lobby. 12:30 p.m. Secretary Clinton meets with Under Secretary of Defense Michèle Flournoy, at the Department of State. (CLOSED PRESS COVERAGE) 7:30 p.m. Secretary Clinton delivers remarks at a celebration of the opening of the American Wing of the Metropolitan Museum of Art, in New York City. (MEDIA DETERMINED BY HOST) Here's the link as well: http://www.state.gov/r/pa/prs/appt/2012/01/180512.htm She was in DC yesterday as well if you want to check the site out. Keepin' it real... Mr T

Hey FF, I wandered where you went after you left F26's daily post. Glad I found you. I hope you keep posting, I always liked your optimism and frank (notice the small "f", not a capital) remarks. Sorry, I couldn't pass up the chance to post a pun that is so obvious. Anyway, you keep postin' 'em and I'll keep readin' 'em Sorry Trooper, I wanted to thank you for bringing this over. +1 for your efforts

Here's some more info on the form instructions... I read through the instructions for this form and it doesn't specify that foreign currencies are included. Here is the link to the IRS site with the instructions: www.irs.gov/pub/irs-dft/i8938--dft.pdf In case I missed something in the instructions related to currencies, I thought I would post the reporting threshholds that are specified. Keep in mind that this is currently in draft form right now on the IRS website. Here are the reporting threshholds: Determining the Reporting Threshold That Applies to You. If you satisfy the reporting threshold discussed below that applies to you and no other exception applies, file Form 8938 with your income tax return. Unmarried taxpayers living in the United States. If you are not married and not living abroad, you satisfy the reporting threshold if the total value of your specified foreign financial assets is more than $50,000 on the last day of the tax year or more than $100,000 at any time during the tax year. Married taxpayers filing a joint income tax return and living in the United States. If you are married and you and your spouse file a joint income tax return and do not live abroad, you satisfy the reporting threshold only if the value of your specified foreign financial assets is more than $100,000 on the last day of the tax year or more than $200,000 at any time during the tax year. Married taxpayers filing separate income tax returns and living in the United States. If you are married, file a separate income tax return from your spouse, and do not live abroad, you satisfy the reporting threshold if the total value of your specified foreign financial assets is more than $50,000 on the last day of the tax year or more than $100,000 at any time during the tax year.

Let's start a list of the sound bytes that have been repeated over the years that we know lack any credibility. This would be a great reference for the unitiated and those still learning. I'll start the list: Sound Bite (Why this is BS) Bank Screens (local banks won't know until it happens, anything else is pure conjecture) Treasury Lockdown (programmers get called in all the time to fix things, to assume this is RV related is just ignorant) LOP (this term is made up by gurus and doesn't even exists in international banking lingo) John Doe is holding up the RV (how could anyone on these forums possibly know if an individual can / is holding up the RV... secret intel? LOL) Some Three Letter Organization is holding up the RV (nice for a conspiracy theorists (CTs), no way to prove or disprove this one, but how would any guru have this level of intel) I can't name my sources due to confidentiality / national security / personal safety / etc. (again, nice for CTs b/c u can't prove or disprove, don't believe anything that doesn't have a clear and legitimate source documented) RV was held up due to technical problems (RVs have happened many times in the past without technical problems, why did everyone get dumb all of the sudden?) Come on folks, let's keep it going. Have some fun with this, and let's educate some people

Hey BruceV, I'm always up for a new prediction, thanks for being honest with the relative value of the rumor and keeping it real for the noobs (I probably still fit into that category). I am amazed that your intel aligns so closely with what the gurus are stating, kind of gives me a warm fuzzy feeling. I also like that you are accepting responsibility for your posting and won't make excuses if it is false. I wish there were more prognosticators like you on these sites. I am willing to get a tiny bit excited by this (usually I just laugh and move on, knowing that I have only been entertained and not informed with predictions) and am willing to give you a couple of shots at this. Please don't let all of the positive responses inflate your ego too much, this group can turn on you quickly if this becomes habitual, and I'd hate to see that happen to you. I'll stay cautiously optimistic for a couple of days before crawling back into my protective shell of general distrust on predictions. Thanks for breaking me out for a short while . I'll give you a plus 1 and hope that this ends soon. Mr T

Here's my philosophy on the investment, and my own financial analysis: I don't think anyone has lost anything yet with the dinar. Even if it doesn't RV, the dinar is still a foreign currency and at worst, we'll lost the spread for buying and then selling the dinar, but that is a relatively minor cost of getting into an investment with the upside potential this still has. Let's look at the math of investing here: - Let's say you bought 1 MM dinar: approximate cost is $854.70 at 1170 dinar / dollar + any transaction fees (estimate at $100 / million dinar) = $954.70 - Worst case is that this RDS (remove the 000's): You then HOPE that this will RV after the RD, so you exchange your 1MM dinar for lower denoms with transaction fee (estimate at $100 / million, just a wild guess here) - Worst case is that there is NO RV after the RD: Then you exchange the 1,000 new dinars back to USD and get $854.70 back: Pay the spread and transaction fees (estimate at $200, another wild guess) So you have spent the spread and transaction fees at 3 transaction points: $100 + $200 + $100 = $400 (this is your potential total loss on the investment) We all know what the potential returns are. - It looks really good if there is an RV without and RD (break even rate is about 250 dinar / USD), anything above that is gravy, icing, cha-ching, etc) - If it RDs then RVs, we could still make $$, but if it RDs with the removal of three 000's, we would need an RV of about 1.35 new dinar / USD to break even I guess we could lose everything if: 1) Iraq splinters into tribal territories and the dinar becomes valueless (unlikely but possible) OR 2) if the Iraqi government does not honor foreign investments (very unlikely, since they do have a sense of national pride and want to attract future foreign investors) BUT they way I see it is I have the potential to lose about $400 / million IQD for an incredible upside potential. This may be a low cost lesson for me in the journey of life, but I am still glad I am on the journey. When I die, the only opportunities I will regret are the ones that I didn't take.

Thanks Blu Collar Guru, I didn't have the time to listen to the entire conf. call, but it is good hear your thoughts. I was a bit put off by the "family" thing at first as well, but after reading through many of the daily posts, I see that there are many very personal conversations going on between / among members. I think there is a feeling of community there that doesn't exist on other dinar forums and can understand why they call each other family. There is also a spiritual component to this, but I do see how this can be construed as "cultish" if taken out of context. It isn't only Frank calling it "family", many of the members feel the same way. As an outsider looking in, it is a bit disconcerting for me, but I won't pass judgement on them as they seem to be at peace with the term. (JMO). Thanks for taking the time to listen to the CC and reporting it here, I wish I had more time to listen to these, but life interferes and family takes precedent Mike, what is your newsletter and where can I get access to it? Sounds like you have done quite a bit of research, and I'm anxious to see your findings. Thanks

Hey everyone, I've been watching the heated debate on Frank's past and present for a couple of days now and I think that we need to get some facts out so that we have objectivity, not just rumor and inuendo. I have been reading Frank's site and several others now for about 6 months and from what I have read, I don't think that he is taking advantage of anyone. I have never seen a factual account from anyone that claims they have been scammed by Frank. I know that many people believe that since he sells dinar and sells VIP memberships, then he must be a con (especially since he has a strong spiritual presence on his website). Please show me / us a factual account of someone that has claimed to be scammed by Frank and I will eat the proper amount of crow and apologize. If you don't have facts, I would suggest that you take a hard look at your own motives for bashing Frank and "man up" by stating that this is your opinion only. Here are my facts: 1) Frank provides a service to all dinar holders (for free) by keeping us informed about the news from Iraq. His newshounds spend a great deal of time searching for, translating, and reporting the latest news stories from Iraq). Frank's dailly posts are available to anyone that registers on his site and I have learned a great deal by reading these posts 2) The many people that also post on Frank's site discuss many things from current events, to sports, to dinar, to religion. I find these posts entertaining and uplifting. There is very little bashing going on and it looks like the vast majority of these people leave the site feeling better than when they entered it. 3) Frank sells VIP memberships that seem to be a valued service for members. I am not a VIP, but I have never heard anyone claim that they are not getting their $$ worth. There is also the power of numbers if/when the dinar RVs for these members to ensure they get solid financial advice and leverage when dealing with banks, dealers, brokers, accountants, and lawyers. Many novice investors may find this type of information immensely valuable if they quickly acquire a great deal of wealth. 4) Frank sells dinar: OK, he does have a vested interest in attracting people to his website, but I have looked around and have not found anyone that sells dinar for less, so he is not charging a premium over the current market value of the dinar. 5) Frank does have a spiritual message weaved throughout his website and on his CCs: I haven't seen where he prophesizes the rate or date of RV, and his message is very positive and comforting for the many people that participate. I have a spiritual side as well and sometimes I read the messages found on his site, sometimes I skip over them. I can tell you that he does not pump dinar using GOD as his Marketer. He holds weekly Bible studies which are actually very uplifting and is very quick to praise GOD in his view of the world's wonders. He and the others on the site frequently lift up the others that are experiencing turmoil in their life, and I have seen several occassions where the group has intervened financially or personally to help someone else. If you have a problem with that, then you need to do some soul searching. 6) Frank has made some predictions on when he expects the dinar to revalue, but has always indicated that it is his opinion and not a guarantee. He does not recycle the same date / rate predictions that many gurus claim (ie: it has already happened, will happen today/tomorrow at the latest, will happen by the end of the week, etc). His opinions are based on the facts that are found in the many news articles found on his site and have remained consistent for the several months I have been watching. If something changes, he acknowledges it and seeks out more information. He is not a "soundbyte" type of guru, his analysis is logical and based on the data available. I also like that he takes feedback and criticizm well and has shown the ability to alter his opinion based on new information (from any source). So, let's stick to the facts. Again, if you have data that proves Frank is a con, please share it with the rest of us. If not, then you are either a con yourself, a competitor with an agenda, a gossip that just wants some attention, or a sociopathic liar. It is bad enough for someone to state their opinion as fact, it is morally wrong to trash another's reputation for your own self-gratification.

That is a much more balanced opinion. Hate tends to blind the holder. I don't have enough history on these sites to make a call on Frank's intentions / agenda. I do know that I have learned alot by reading through the posts on his website (especially from the newshounds) and I do feel more positive from the others that post on the site. I tend to think that I can learn from anyone, and although I do pick and choose what I want to believe on Frank's site, I don't believe everything that is posted there. There are alot of people with big hearts on the site and there is very little bashing going on (which is a pleasant change from most dinar sites). I would say we should just use reasoned logic to evaluate what we read and (if you don't mind me getting a bit spiritual) pray for those that are living in a delusional state of mind. Nice to see that you are able to reflect and restate, that is a rare and valuable quality to have. Betty, it's always great to see (i mean read) your avatar (I mean posts) I am of the same mindset on timing. Any thoughts on a rate??? I'd be thrilled with $1 / IQD but very happy with $0.10 / IQD.

I hope that you are wrong about Frank and that you are able to let go of your hate(for your own peace of mind). I am assuming that you have a personal experience with Frank that is driving your emotions in this manner and not based on heresay or rumor. Please share this experience with us so that we have the benefit of your knowledge / experience.

Nope, they haven't posted one yet. One of their team members generally takes notes while the CC is on and posts it soon afterward. I think that person was sick or indisposed on this call and hasn't typed up any notes from the recording yet. I don't have a couple of hours to spend listening, so I wait along with you for the cliff notes.

Can you feel the IRONY of coleman's last comment? I get the same feeling when I hear about an atheist that says I "believe" there is no such thing as GOD... Not sure if Frank is a con, but I do know that his site does provide a great deal of information for investors on what is going on in Iraq. I don't think he uses GOD to make prophesies about the investment, his analysis and opinions are based on actual events / news articles out of Iraq. He just overlays the site with a spiritual theme that seems to resonate with those that read and comment on the site. Having faith and openly discussing it on his own website is as much his right as it is for you to bash him. Yes, he is selling dinar and provides a VIP level of service for a fee (BTW I am not a VIP member), but I have yet to see anyone claim that they are being cheated in any way. There must be some added-value for those that have joined or bought dinar through him. (just sayin'). I thought I would give you another perspective from someone that is not vested in Frank's website but does spend some time reading what he and his team report.

Thanks again, I have seen a pattern with many of the gurus / self-proclaimed experts as well. Some always claim today / tomorrow, others emphatically claim it has already happened, and others have the "end of week" theory that gets regenerated each Monday. Some have stated that Thanksgiving to New Years is a likely window and now some are saying not until 2012. If it does RV, at least one of the gurus will be right once, but then everyone that is interested will go back to their lives (albeit with more $$ in hand hopefully) and the guru will get his/her 15 minutes of fame and then be forgotten. I am kind of enjoying the speculation and mystery of this all, so I'll continue to watch what is being said, but I'm glad to have some more info to help keep things in perspective. I enjoy Frank's site for the banter and I do learn quite a bit from the new articles they post, so I'll keep it in my favorites tab and continue to see what is being discussed.

I haven't seen a countdown on Frank's site. He does talk about a likely window of opportunity between Thanksgiving and New Year but I haven't seen a specific date predicted. I am relatively new to this (bought into the dinar in July this year) so I don't have any context around your question, is this an annual event for Frank to have a countdown? I do like to have as much info as possible, so would appreciate any historical perspective you can cast on this. Thanks truthful

Thanks Easy, I appreciate your posts and your insights on the others that bring us the daily news / commentary. Keep up the great work... +1 for this objective view of Delta, Blustar, Frank and yourself

Your opinion is always welcome / encouraged Trust is either earned or given freely, it looks like Frank and Delta have some work to do to earn your trust. I don't know either of them so I can't say that I trust them, but I do know that they provide me with a great deal of information through their daily posts that I would have a difficult time finding on my own. Therefore, I continue to read their posts each day to see what I can learn. Their opinions are just that, but the news and insights they provide are useful and the people that post on the daily posts are entertaining and uplifting. I don't think I am wasting my time by reading through the postings because I generally feel more informed and a bit more positive each time I go to his site. I probably would trust them if they told me the sun was up, but don't know if I would run to the bank if they claimed the RV was going to happen soon. I know that the CBI and Forex will tell me when the RV has occurred, the rest is just for my own personal education about currency investments and my own entertainment.

Jaygo, I wouldn't judge a person's knowledge / opinion based on the number of posts they make (you can see that I don't post very much either, but I have read a great deal abou this investment and consider myself to be an objective and relatively well informed investor). I would also say that although Mike101 has a right to his opinion as much as anyone else on the forum, but I would suggest that he take a closer look at the content of Frank's message. He seems to have a biased view based on his reported knowledge of Frank's past (not supported by facts, but stated as such). Frank does have a spiritual perspective that he weaves into his message, but he seems to have an objective view of the investment and provides a great service by informing others of many facts / truths on his daily posts. He has also surrounded himself with a team of newshounds and experienced investors that provide a great deal of information about the dinar. His daily posts are a combination of objective news, opinion, commentary, humor and spirituality that I find entertaining, educational, and uplifting. Frank may well have a questionable past ( I don't know if this is true or not so I won't judge him either way), but that doesn't change the fact that he is providing a service to dinar investors and does not condone or initiate frivilous predictions. Alot of people feel better when they read his forum or listen to his CCs, so I would say that he has a positive effect on many people and if people choose to contribute to his website / company, then I would say that they are most likely getting value for their $$. I have never seen anyone bash Frank on this or any other site, claiming that they have been scammed or cheated out of their money (something to think about before you lash out again). People on these forums are very vocal and if there was anything odd going on with Frank's site, I'm sure we would all have heard about it by now (from multiple people on multiple sites). I would surmise that you have some strong feelings about your decision to enter into this investment, and are looking for ways to warn off others to help them avoid the feelings you are experiencing. That is a noble gesture, but I don't think that Frank is an appropriate target for your resentment. There are plenty of other "gurus" out there that probably deserve to be put in their place (just sayin').

OK, I'm a relative noob as well, but my thought is that the members and participants on the forum actually have alot more power than we think. If you see inappropriate negative comments or bashing going on, the members have the responsibility to call that person out and give them a negative rating. The plus / minus system works both ways. I think there are many more optomists out there than the negative nellies, so let's start using the power of the ( - 1) to weed out the rotten apples. Also, let's start using the power of the (+1) to negate the bashers. The mods can only do so much, we need to help them out with our votes. Plus one to you Betty, I'll start this train

Glad to help boogs2335. You can see the same type of information about many of the gurus in my post on the rumors section.

boogs2335: I took a look at several gurus predictions over the last 5 weeks (posting in the rumors section about guru rate & date predictions) and here is what I have for jonnywg: Day prediction made / Date prediction made / What Date was predicted / What Rate was predicted / Guru Friday / 10/7/2011 / 10/7/2011 / $5.77 / Jonnywg Saturday / 10/8/2011 / 10/9/2011 / $5.77 / Jonnywg Sunday / 10/9/2011 / -- / $5.77 / Jonnywg Monday / 10/10/2011 / Probably has happened / -- / Jonnywg Tuesday / 10/11/2011 / $5.96 (not an official rate) / Jonnywg Wednesday / 10/12/2011 / 10/14/2011 / -- / Jonnywg Thursday / 10/13/2011 / 10/14/2011 / $1.00 to $8.00 / Jonnywg Friday / 10/14/2011 / 10/14/2011 / -- / Jonnywg Tuesday / 10/18/2011 / 10/20/2011 / -- / Jonnywg Wednesday / 10/19/2011 / 10/19/2011 / -- / Jonnywg Thursday / 10/20/2011 / 10/22/2011 / -- / Jonnywg Friday / 10/21/2011 / 10/22/2011 / -- / Jonnywg Saturday / 10/22/2011 / 10/22/2011 / 2.00 / Jonnywg Monday / 10/24/2011 / 10/29/2011 / -- / Jonnywg Thursday / 10/27/2011 / 10/27/2011 / -- / Jonnywg Generally jonnywg's Date predictions are that the RV will occur within the next 48 hrs (13 predictions in the last 5 weeks) and his Rate predictions have ranged from $1.00 to $8.00 just in the last 5 weeks. You can draw your own conclusions, but it looks to me like either he is being fed bogus information from his sources (I would have to ask why he continues to use them if this is the case) or he is just making stuff up as he goes along. I don't know what his motives would be for this, but there is either a need to be heard or he is benefiting somehow from these predictions. I'll let you make the call, I am just trying to keep people informed about the gurus prediction trends. Hope this helps...

I'm not sure how to get the Mods to correct the original post, but if any of the Mods are watching this, please make this change. In the original post, I had summarized many of the Gurus date & rate predictions. In this summary, I inadvertently indicated that Adam Montana generally predicts dates for the end of the week. That is incorrect, it should actually show that Adam Montana has consistently predicted the RV date to be between Thanksgiving and New Years. I changed this in a subsequent post, but to Rossenbos' point, if someone were to come into the original post, they may be misled regarding Adam's predictions. I have a great deal of respect for Adam Montana and have learned quite a bit about the IQD from his postings and chats, and would not like this misrepresentation to be carried forward into the future. Please either change the original posting (my corrected post was on Oct 29th at 4:45pm) or delete the original post and I will start a new thread with the corrected information. Thanks Rossenbos, this is a great idea

Okie is included in the OOM data. I thought they were one and the same. ZZZZZZZ is in there as well. I didn't include all gurus, that is a task I don't want to take on. I think I captured most of the key gurus, but some may be missing. Thanks to everyone that responded, I appreciate the thanks and constructive feedback as well. This is a pretty smart group of people and very little gets by the group. I hope this helps some of the newbies out there to better understand what they are receiving as "intel" or rate / date predictions. Have a great week everyone. Don't forget to live your life to the fullest while you wait for your dreams to come true. You'll never get that time back no matter what the rate or date of RV it. Mr. T

Markinsa, Here are the Adam Montana quotes I pulled the information from. 10-19-2011 Guru Adam Montana today is a great day to be a dinar investor! I am VERY positive on this right now. I have people emailing and calling me, people I work with every week and I RESPECT their opinions telling me that YES, Iraq can sustain an RV. we are close to seeing the HCL completely in effect and the rate should be at least double what I expect. you know my opinion is that the Dinar SHOULD come out at closer to a Dime. I'm excited right now...I think it's a good day to be a dinar investor. I'm excited to see what the next couple days and weeks bring. I'll be surprised if it "pops" in October, but I will NOT be surprised to see it pop in November! Read more: http://www.another site.com/#ixzz1cDzyTW9g 10-12-2011 Guru Adam Montana Allawi is not stepping down from the government, he will still be a part of this investment, this is a GOOD development. in his own words, he is stepping away "for the good of Iraq". this is AWESOME, because for a very long time we have seen delay after delay over the political struggle between the Sunnis (Allawi's supporters) and the rest of the country. with Allawi officially stating that he is "renouncing" the current government, but at the same time officially "stepping back" from the political tug-of-war...this gives us an opening to actually RESOLVE and MOVE FORWARD. in my opinion, this is great for the value of dinar and puts us on track for a 2011 RV. I think it could happen by Thanksgiving but I feel even more confident that we should see it by the end of the year. Read more: http://www.another site.com/#ixzz1cE0hauWy 10-5-2011 Guru Adam Montana I think inflation is our FRIEND right now! if inflation is allowed to get out of control, then the value of the Dinar will also get out of control, the only way to raise the value is to completely control it so with inflation threatening, I think they have more reason than ever to act quickly this is one of the main reasons I believe we should see the value raise soon, as in pre-Thanksgiving . Read more: http://www.another site.com/#ixzz1cE1NoLSS

ems, Nice catch on Adam Montana I'd give you a plus if I could figure out how... I apologize to Adam Montana for the misrepresentation. I was in a flurry of copy and paste activity and inadvertently copied over my general trend with Adam's prediction. He has stated on 3 occassions that he expects RV to happen by Thanksgiving or by the end of the calendar year. Here is an update to the original post with corrections. Date & Rate Predictions for the past 5 weeks: I have reviewed several online forums / chat rooms related to the IQD and have seen many date and rate predictions. I have also seen many statements that either support or reject these predictions. I have also noticed the predictions have become more aggressive over time and the opposition has become more aggressive as well. Since these predictions are most frequently placed in the “Rumors” forums, I don’t place a lot of weight on them, however, I wanted to see if there were any common themes or trends that stood out. A big part of my day-time job is related to statistical analysis and finding “the story” in a given dataset. There is a lot of data here to analyze and although I could have gone further back in history, I felt that it would just lead to diminishing returns and wanted to share what I have found with everyone. Feel free to repost this on your own preferred forum (in the rumors section please, since analysis of rumors should by definition be a rumor itself) so that others may benefit from my efforts. If you want to flag me or give me a negative, knock yourself out…. I have only been invested in the IQD for about 4 months (yes, a relative newbie to these sites), but I have learned a great deal about currency speculation (mostly from the same gurus that make these predictions. I am not a guru, I am an analyst. I have decided to continue reading the rumors for entertainment and the occasional nugget of worthwhile information and watch the news sections with more interest. I also track the CBI, Forex, and a couple of currency rate sites so that I have a real-time feed of actual rate information. So here is a list (not comprehensive by any stretch of the imagination) of the rates and dates predicted by several gurus, grouped by the guru in chronological order. Down below I have summarized my key take-aways from this data. I also summarized the rate prediction ranges that are shown here as well as the frequency that each guru made a rate prediction. Enjoy! Day of Week Date Predicted RV Date Predicted RV Rate Guru (No later than) Wednesday 10/5/2011 12/31/2011 8Ball Monday 10/17/2011 11/20/2011 8Ball Wednesday 9/21/2011 0.1 Adam Montana Wednesday 10/5/2011 11/24/2011 Adam Montana Wednesday 10/12/2011 12/31/2011 Adam Montana Wednesday 10/19/2011 11/30/2011 0.1 Adam Montana Wednesday 9/21/2011 Over 3.00 Bear5642 Tuesday 9/27/2011 9/30/2011 Bear5642 Monday 10/3/2011 11/24/2011 Bear5642 Wednesday 10/5/2011 11/4/2011 Bear5642 Thursday 10/6/2011 11/31/2011 Less than 4.00 Bear5642 Friday 10/7/2011 11/31/2011 Bear5642 Tuesday 10/11/2011 11/3/2011 Bear5642 Wednesday 10/12/2011 11/3/2011 3.62 Bear5642 Saturday 10/15/2011 11/30/2011 Bear5642 Wednesday 10/19/2011 10/27/2011 3.22 Bear5642 Friday 10/21/2011 11/7/2011 Bear5642 Sunday 10/23/2011 11/3/2011 Bear5642 Monday 10/24/2011 11/5/2011 Bear5642 Monday 9/26/2011 9/29/2011 BGG Thursday 9/29/2011 10/29/2011 BGG Wednesday 10/19/2011 10/25/2011 BGG Sunday 9/25/2011 9/28/2011 Bluwolf Sunday 10/16/2011 10/23/2011 Bluwolf Tuesday 10/25/2011 10/26/2011 Bluwolf Friday 10/21/2011 1/1/2012 -- Breitling Sunday 10/23/2011 12/31/2011 0.86 Breitling Saturday 10/1/2011 1.00 Brietling Wednesday 9/21/2011 9/23/2011 Bulldog75 Tuesday 9/27/2011 9/29/2011 Bulldog75 Wednesday 9/28/2011 9/29/2011 Bulldog75 Wednesday 9/28/2011 9/28/2011 Bulldog75 Thursday 9/29/2011 10/1/2011 Bulldog75 Friday 9/30/2011 10/1/2011 Bulldog75 Saturday 10/1/2011 10/2/2011 Bulldog75 Monday 10/3/2011 10/8/2011 Bulldog75 Thursday 10/6/2011 10/6/2011 Bulldog75 Saturday 10/8/2011 Over 4.40 Bulldog75 Monday 10/10/2011 Over 4.40 Bulldog75 Tuesday 10/11/2011 10/14/2011 Bulldog75 Tuesday 10/11/2011 10/14/2011 Bulldog75 Thursday 10/13/2011 10/15/2011 Bulldog75 Thursday 10/20/2011 10/31/2011 Bulldog75 Friday 10/21/2011 10/26/2011 Bulldog75 Saturday 10/22/2011 10/29/2011 Bulldog75 Wednesday 10/26/2011 11/4/2011 3.00 Bulldog75 Thursday 10/13/2011 10/16/2011 BWM Sunday 10/23/2011 10/29/2011 BWM Monday 10/24/2011 10/31/2011 BWM Tuesday 10/25/2011 10/29/2011 BWM Tuesday 9/27/2011 9/29/2011 zzzzzzzzz Wednesday 9/28/2011 9/30/2011 zzzzzzzzz Friday 9/30/2011 10/5/2011 zzzzzzzzz Saturday 10/1/2011 10/5/2011 3.50 to 4.00 zzzzzzzzz Friday 10/7/2011 Over 3.22 zzzzzzzzz Wednesday 10/26/2011 10/31/2011 3.22 zzzzzzzzz Friday 9/23/2011 3.63 Eagle Has Landed Tuesday 9/27/2011 12/31/2011 Frank26 Thursday 10/20/2011 11/24/2011 1.00 Frank26 Thursday 9/22/2011 9/30/2011 Freeway Bill Sunday 9/25/2011 9/26/2011 Freeway Bill Wednesday 9/28/2011 Over 1.00 Freeway Bill Friday 9/30/2011 8.47 Freeway Bill Monday 10/3/2011 11/17/2011 Freeway Bill Sunday 10/9/2011 10/14/2011 8.47 Freeway Bill Tuesday 10/11/2011 10/13/2011 Over 3.00 Freeway Bill Monday 10/17/2011 10/31/2011 Freeway Bill Saturday 10/22/2011 10/26/2011 Freeway Bill Tuesday 10/25/2011 10/25/2011 3.00 Freeway Bill Monday 10/3/2011 10/6/2011 Ghost Thursday 10/27/2011 10/27/2011 Ghost Friday 10/7/2011 10/7/2011 5.77 Jonnywg Saturday 10/8/2011 10/9/2011 5.77 Jonnywg Sunday 10/9/2011 5.77 Jonnywg Monday 10/10/2011 Probably has happened Jonnywg Tuesday 10/11/2011 5.96 (not an official rate) Jonnywg Wednesday 10/12/2011 10/14/2011 Jonnywg Thursday 10/13/2011 10/14/2011 1.00 to 8.00 Jonnywg Friday 10/14/2011 10/14/2011 Jonnywg Tuesday 10/18/2011 10/20/2011 Jonnywg Wednesday 10/19/2011 10/19/2011 Jonnywg Thursday 10/20/2011 10/22/2011 Jonnywg Friday 10/21/2011 10/22/2011 -- Jonnywg Saturday 10/22/2011 10/22/2011 2.00 Jonnywg Monday 10/24/2011 10/29/2011 Jonnywg Thursday 10/27/2011 10/27/2011 Jonnywg Tuesday 9/27/2011 12/31/2011 Kaperoni Sunday 10/23/2011 12/31/2011 Kaperoni Tuesday 10/25/2011 12/31/2011 0.86 Kaperoni Sunday 9/25/2011 1.00 Med Wednesday 9/28/2011 1.00 Med Thursday 9/29/2011 over 3.00 Med Tuesday 10/4/2011 11/30/2011 Med Tuesday 10/11/2011 12/31/2011 1.00 Med Tuesday 10/18/2011 11/24/2011 Med Friday 10/21/2011 1.00 Med Wednesday 9/21/2011 9/29/2011 OOM Monday 9/26/2011 9/29/2011 OOM Wednesday 9/28/2011 9/29/2011 OOM Thursday 9/29/2011 10/1/2011 OOM Friday 9/30/2011 10/1/2011 OOM Tuesday 10/4/2011 3.40 OOM Tuesday 10/11/2011 11/3/2011 OOM Thursday 10/13/2011 10/31/2011 OOM Saturday 10/15/2011 10/31/2011 3.43 OOM Monday 10/17/2011 10/31/2011 OOM Thursday 10/20/2011 10/23/2011 OOM Saturday 10/22/2011 11/3/2011 OOM Monday 10/24/2011 11/5/2011 OOM Thursday 9/22/2011 9/25/2011 1.00 Phoenix333 Monday 9/26/2011 10/1/2011 Phoenix333 Wednesday 9/28/2011 10/1/2011 Phoenix333 Wednesday 10/19/2011 10/20/2011 Phoenix333 Wednesday 9/21/2011 10/1/2011 Poppy2 Wednesday 10/12/2011 Done on 6/30/2011 Poppy3 Saturday 10/15/2011 Done on 6/30/2011 Poppy3 Thursday 10/20/2011 10/28/2011 Poppy3 Sunday 10/9/2011 10/16/2011 High Purplehelmet300 Monday 10/24/2011 10/29/2011 Purplehelmet300 Sunday 10/2/2011 3.45 Randy Koonce Thursday 10/27/2011 12/31/2011 Randy Koonce Monday 10/3/2011 3.40 Ray Thursday 9/22/2011 9/23/2011 3.50 - 4.40 ScottiG Sunday 9/25/2011 Probably has happened ScottiG Monday 9/26/2011 3.50 - 4.40 ScottiG Friday 9/30/2011 10/2/2011 3.60 - 4.50 ScottiG Monday 10/3/2011 10/8/2011 ~3.00 ScottiG Sunday 10/9/2011 10/31/2011 Low rate to High Rate ScottiG Friday 10/14/2011 12/3/2011 Low rate to High Rate ScottiG Monday 10/24/2011 11/5/2011 ScottiG Tuesday 10/4/2011 12/4/2011 Steve1 Wednesday 10/5/2011 3.50 to 4.50 Studley Friday 9/30/2011 10/8/2011 8.00 TerryK Saturday 10/8/2011 5.67 to 8.16 TerryK Thursday 10/20/2011 10/23/2011 TerryK Thursday 10/27/2011 10/27/2011 3.43 TerryK Thursday 9/29/2011 9/30/2011 8.47 Tmoney Wednesday 9/21/2011 10/1/2011 TonyTNT Friday 9/23/2011 9/26/2011 TonyTNT Saturday 9/24/2011 9/26/2011 TonyTNT Sunday 9/25/2011 9/26/2011 TonyTNT Monday 9/26/2011 10/1/2011 TonyTNT Tuesday 9/27/2011 9/30/2011 TonyTNT Wednesday 9/28/2011 9/30/2011 TonyTNT Friday 9/30/2011 10/1/2011 TonyTNT Sunday 10/2/2011 10/3/2011 TonyTNT Monday 10/3/2011 10/5/2011 3.65 to 8.00 TonyTNT Wednesday 10/5/2011 10/18/2011 TonyTNT Friday 10/7/2011 10/8/2011 over 3.00 TonyTNT Monday 10/10/2011 11/9/2011 TonyTNT Tuesday 10/11/2011 1.00 to 5.00 increasing to 8.00 TonyTNT Monday 10/17/2011 11/3/2011 1 to 8.47 TonyTNT Thursday 10/20/2011 10/25/2011 TonyTNT Friday 10/21/2011 10/23/2011 TonyTNT Tuesday 10/25/2011 10/29/2011 TonyTNT General Trends with Date Predictions: Guru # of Date Predictions Summary of Predictions TonyTNT 16 Generally within days, lately moved to weeks Bulldog75 15 Generally an End of Week RV Prediction each week Jonnywg 12 Within 48 hours or already happened Bear5642 11 Thought end of Sept. now consistently end of Oct / early Nov OOM 11 Generally predicts end of current month / early next month Freeway Bill 8 Generally an End of Week RV Prediction ScottiG 7 Already happened at end of Sept, now into December Med 6 Thanksgiving to End of year predictions zzzzzzzzz 5 Generally an End of Week RV Prediction Adam Montana 4 Thanksgiving to end of calendar year (Corrected) Phoenix333 4 Generally an End of Week RV Prediction BGG 3 Predicts end of month Poppy3 4 End of month predictions or already done TerryK 3 End of week 8Ball 2 Thanksgiving to End of year predictions Bluwolf 2 Predicts by end of the week Breitling 2 End of year Frank26 2 Thanksgiving to End of year predictions Ghost 1 Days away Kaperoni 1 End of year Purplehelmet300 1 End of week Steve1 1 Thanksgiving to End of year predictions Tmoney 1 Tomorrow Prediction Day of Week Summary: Day of Prediction # of Predictions among all gurus Monday 19 Tuesday 19 Wednesday 28 Thursday 21 Friday 18 Saturday 10 Sunday 12 I don’t see any huge trend here other than a spike mid-week (Wed, Th.) and decline on the weekend. Sort of coincides with the “must RV on Tues., Wed., Thurs. “ school of thought… GURU RATE PREDICTION RANGES Guru Times a Rate Was Predicted Range (USD / IQD) Adam Montana 2 0.10 Bear5642 4 3.00 - 4.00 Brietling 2 0.86 - 1.00 Bulldog75 3 3.00 - 4.00 zzzzzzzzz 3 3.22 - 4.00 Eagle Has Landed 1 3.63 Frank 1 1.00 Freeway Bill 5 1.00 - 8.47 Jonnywg 6 1.00 - 8.00 Kaperoni 1 0.86 Med 4 1.00 - over 3.00 OOM 2 3.43 Phoenix333 1 1.00 Purplehelmet300 1 High Randy Koonce 1 3.45 Ray 1 3.40 ScottiG 6 3.00 - 4.50 Studley 1 3.50 - 4.50 TerryK 3 3.43 - 8.16 Tmoney 1 8.47 TonyTNT 4 1.00 - 8.00 Draw your own conclusion about the rate predictions. I think you will probably find a range and corresponding guru that you personally are aligned with. That is just human nature, but my take-away is that there are a couple of realists shown here, they don’t predict rates often and have at least put some analysis behind their prediction. Some are all over the place and typically don’t have any supporting data to back their prediction up, and others just bump what they hear from someone they are aligned with and put it in their own words. In summary, there are a couple of gurus that are so vague with their predictions (dates and / or rates) that I couldn’t pin it down, so I did not include them here. If date ranges were predicted, I only included the date that was the furthest into the future to keep this as conservative as I could for the guru. Needless to say, most of the gurus have been consistently incorrect with their date predictions (some of the predictions are yet to occur, so we’ll see how those turn out) and only time will tell if any of the rate predictions are accurate. While I hope for the $3 - $5 rate range, I am prepared for break-even. While I hope that the RV has already happened (as a couple of gurus have stated), I am prepared for months or even years to happen. Hang in there everyone, remember this is only money. Don’t sweat the small stuff, and believe me this is the small stuff in life. Don’t forget to live your life to its fullest while you wait for the RV. Thanks for the post Cam1, I included okie (and many other "gurus") so that everyone has some information about what he has predicted historically so that people can draw their own conclusions about his accuracy. If a newbie comes on board and sees a post by any of the gurus, they will have a frame of reference on their history. Rather than being influenced by a single post, this provides a longer term view with multiple data points so put things in perspective. Nothing is more powerful than information, and my objective was to compile some basic stats on the gurus so everyone is better equipped to make an intelligent decision on whether to believe or not.

KrispyKreme: First of all, I am currently eating celery for lunch because of you. Only 15lbs more to lose, but man are those donuts incredible (worth every pound). Secondly, if I was smart enough to plan a retirement portfolio, do you think I would have invested in the IQD? Just kiddin'... I have bought my lottery ticket and am waiting for them to draw the winning numbers. Now, I plan to finish paying off my debt, then put away 6 mths of expenses, then start saving 15% of my income and pay off my mortgage. No magic bullet, just requires discipline and delayed gratification. If you want details, I would recommend you look into Dave Ramsey's program. It ain't sexy, but it has teeth and I only wish I had started following it years ago. Good luck