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Tuesday, July 29, 2014

DAN CLIZER UPDATE FROM STAGEALPHA FORUM, 30 JULY

Stagealpha forum:
Dan Clizer:"TRN's are expected late tonight from several sources"

EXOGEN DIRECT INTEL UPDATED, 30 JULY

Exogen direct intel updated:Chinese bond payouts flowing.....moving right now.

Kurdish oil delivered to Houston refinery paid in full.
TRNs live....100% confirmed!
Oh look....it's santa's red suit! :-)
And Santa's party bag....LOL

CONDOR TIDBIT, 30 JULY

Condor:There's going to be a level of difficulty for the banks to make the necessary changes projected within 48 hours following the announcement of the PM which Obama is watching and expecting to be announced right now. The QI cards are loaded and TRNs are live.

EXOGEN UPDATE: TUESDAY INTEL CLUES AT 10:11 PM EST, 29 JULY

GUESSES TO EXOGEN DIRECT INTEL CLUES AT 10:11 PM EST

Vinman:Change in direction of tier level breakdown
Obama looking for Iraq to announce PM right now.
Qi card loading process is switched on
48 hr projection for TRN landing.....confirmed.
Platform tiers on alert.
Prosperity package bundles being delivered around the world and opened.
Stockings are hung and waiting for Santa
I got a feeling we're looking for the RV/GCR ....keep your fingers crossed.

Gt: According to the Clues.... EVERYONE's Lokking for the EVENT We've Been Hoping for Happens TONIGHT!!!! Fingers Crossed....

Ranger4564: Change of Direction at Tiers / Platforms.
Obama looking for Iraqi Prime Minister Right Now.
Transactions with QI cards will be enabled in 48 hours.
Projecting TRN's are Landing confirmed.
Platform Tiers Alert.Platform Tiers Alert, RV or GCR appears to be Bundled with the Prosperity Packages - meaning both go together.


Prosperity Packages out for delivery. It is Christmas Eve.
Looking for Santa, got a good feeling, keeping the fingers crossed and wishing.
Or change of direction at tiers/platforms.
Obama looking for iraqi primer minister.
Right now transactions with qi cards have been enabled.
Jim G Hurd:RV projected in the next 48 hours.

Mark:Change is coming on all platforms of government activity

Watch for PM change in Iraq

Banking transactions engaged at local level including QiCard (Mastercard)


Vinman:Change of direction of tiers

Kevin Thompson:change in direction of tiers - much harder to get higher rates
O looking for iraq to announce pm right now
qi cards intergrated into financial system and projected they can be used in 48 hours
trn's live around the world showing on trading platforms confirmed
On high alert for prosperity packages, rv, gcr to be released worldwide at the same time.

Mr Chen:change of direction for rates
hard to get higher rate
Obama looking at Iraq Prime Minister right now
Qi cards activated in electronic processors; Mastercard, visa, banks, etc.
on a 48 hours projected until completion
TRNs have arrived, this is confirmed
3 rates
Alert, bundles of prosperity packages are being delivered.

POPPY3 UPDATE, 29 JULY

Poppy3:  remember that kuwait rv'ed in less than 4 years after their invasion and the reason they were much faster than iraq is because they still had a functioning goi after the war and iraq had zip they have had to start from scratch. We are in awesome position and this shows they have plenty to rv at 3 plus dollars and pay you and I. Announcement of pm and seated goi...from that point forward the rv can be announced at any moment forward. I expect to hear the pm announcement within the next 5 days. My opinion only.

BLUWOLF UPDATE, 29 JULY

Bluwolf: The three key positions that had to be seated are to the fact, once it is published in the Gazette it will be official and the international release shall be a given, all banks worldwide are now expectant of this issue so be prepared.

 We are already there, I can't furnish anymore details for I was asked not to reveal such information at the present.

-----------
Watch out for disinformation
In this message I wish to reach all dinarians. Many have been fooled by some folks who have stated an exchange before the rv officially is released, guess what those folks haven't received jack.

Some so call ministers are encouraging their flocks to return there dinars for it is a scam says them, they are shifting you away from this BLESSINGS FROM GOD, for it is just that a BLESSING.

Look folks, we are actually entering now that last book of the bible,  REVALATIONS, so if you want to know the truth read it in the Holy Book.

The three key positions that had to be seated are to the fact, once it is published in the Gazette it will be official and the international release shall be a given, all banks worldwide are now expectant of this issue so be prepared.
Now I know that those of you out there are not idiots and this is a fact, I know that you are wise and faithful in God, if this thought of mind is so true then hang on to your dinars and just let our Lord Jesus and God Jehová finish for us what is expected and in Their perfect timing.

We are already there, I can't furnish anymore details for I was asked not to reveal such information at the present.

But my advice is hang in there, get your paperwork together, think in the positive and do like any real Christian would do and that is hold the faith and wait on God's timing for this blessing is now a given in His timing. Bluwolf

OMEGAMAN UPDATE, 29 JULY

Omegaman: i want my santa.

the number game has nothing to do with it all. The TRNs will be announced when the PM is officially announced; we believe TOMORROW, or shall i say, tonight late Pacific, imo; 

this does not mean PBX, however, the bonds can finally do their thing...according to PT and others, we're looking at Thurs for PBX ( public exchange), and that looks pretty good imo; could be friday though...we'll find out; remember this is omo not confirmed; don't blame me if it dont happen this week...i only attempt to piece together my various sources of intel into a cohesive unit.

TNT TWEET, 29 JULY

@THE_TNT_TEAM: Please don't respond to the idiot using #tnttony. He is lying about the RV being announced and is giving fake phone numbers. #wearethepeople

STAGEALPHA CHAT UPDATE: Will Zim be a straight exchange or will it be also an annuity type deal?, 29 JULY

mattie cute:Referring to N: EXCHANGING ALL OF YOUR CURRENCY QUICKLY TRAP, what is the advantage of exchanging all of your currency at once? (I only have dong.)  The only one I can think of is maybe more perks from the bank. Wouldn’t it be better to exchange maybe $250,000 worth (FDIC insurance limit) & then wait a bit to exchange the rest while you figure out wealth strategies, tax implications, attorneys, CPAs, and wealth managers?  What may be the disadvantage of exchanging just a small amount immediately? Thanks!

Christian Da Silva: Dong is straight exchange.  Dinar will be a structured annuity payout unless you are in a PP.  And it must be an approved UST PP.  FRN vs TRN makes zero difference to you if in the USA. 


SHANNON: Wasn't there a change to that annuity requirement? I am under the impression WF takes 2% and you are free to do whatever you want with your money. Only thing is you sign the NDA to get the contract rate.

Please correct me if I am wrong. Thanks!

SUSAN K: According to Tony and DC, when we pay that 2% to the bank, we are free to do anything we want with the exchanged fund, including withdrawing all of it and switch it to other bank. As for me I'm not interested in the annuity deal so I would do everything I need to avoid that (and it should not be difficult). As far as NDA, we must sign it in order to get higher rate as you said. So I will be very careful what it says. Again quoting Tony/DC nothing of it is too complicated and it's only four pages long. Hope I am not too simplistic and optimistic.

Mac:Christian tell me.about this exchange annuities you have been talking.about with the Dinar?

Christia D silva:Because of the large amount of dinar in circulation the UST has set up with WF annuities on dinar exchanges.  You will be able to cash out up to 100,000 dinar could be less but that is the ceiling.  

The remainder will be put into an annuity that will pay you out the remainder over 29 years plus around 5% interest.  So lets just say you have 1 million dinar and the exchange is $3. 

 That will be 3 million dollars.  So you will receive monthly payments of $8700 plus interest.  If you have 10 million dinar then payments will be $87,000 per month plus interest. You get the point.  THhe funds from the dinar are kept with the bank and used for certain projects mandated by the US Government. 

 These projects will be small business loans, mortgage assistance, and other economic stimulus things.  The money the bank will make from these things will essentially fund your payments and pay for the RV. 

 There is no Dragon family supplying gold and NOONE has 300-400 Trillion laying around to pay for the RV.  If someone says it doesn't matter because it is all digital then they don't understand much about the reality of things.  I am not promoting PP's but they will be 100% funded and not have to go through the annuity process, 

 This is because the UST will put the dinar in the US Reserves to help support the asset backed currency.  They needed a certain amount and that is what they have secured in the PP's.  So still everyone wins.  

Finnick Odair:Very interesting Christian! Thanks for sharing. What you say makes PERFECT SENSE if the US Corporation keeps going forward.

Do you know if the Gen64 group is a PP or will they also go via the annuity route?
Another question that I have is about Zim. Will Zim be a straight exchange or will it be also an annuity type deal?

Christian Da Silva:Zim will be a straight deal. So will other currencies only dinar will be like I mention. Generals is a WF deal specifically. They will get a structured payout as well.

Galactoman*And* the VN Dong? - Separate I suppose, simple full exchange.

The Gen64 *list* is apparently with Wells now, we'll get calls/email from Wells apparently.

Finnick Odair:He said yesterday that the Dong is supposed to be a full exchange. I wonder if the Zim is as well. The Dinars with so many people having them it is smart of them to go via the annuity route. It would be like a retirement check for most folks since they only have less than a million Dinar.

JES'-U-RUN POST FROM STAGEALPHA FORUM, 29 JULY

This is the main reason all along I have said to park your money.....So what happens to the MASSIVE amount of silver derivative contracts that Deutsche Bank wrote that were dependent on settlement based off the “Silver Fix” after August 14th??
Poof! Hello weapon of Mass Financial Destruction as counter-parties to Deutsche Bank’s 55T Euro derivative book will be decapitated in a Global Derivative Meltdown!
Those who think the ISDA will come to the rescue with a revised definition of the “Silver Fix” don’t understand that this is all being done ON PURPOSE!
The only question left…WHAT WILL WE DO AFTER THE CRASH?........Becareful that you don't have your money available too the crooks because they don't nor did they ever want you to have any money
you either know the truth or your the bait I will tell the truth as its given to me. The fact is the corporations are all wrapped up into the dirivitives the ceo's the board members the investors have milked these corporations to dry......There is going to be a problem. 
Just get parked with you and your families needs then park the money safely then watch the world dirivitives burst like the mortgage market did then there will be safty for investors again do not listen to people who say they don't think its going to be all that. they don't know the truth.
 I would not waste my time with this. I do have a LIFE. So, understand that I am bringing this to you to make you aware. DO whatever you want. But, do not say you weren't warned.

MAILMAN17 TIDBIT: TGE CBI IS READY TO RELEASE THE RATE, 29 JULY

Mailman17: AS MUCH AS I BELIEVE THE CBI IS INDEED READY TO RELEASE THE RATE, THEY HAVE ALWAYS HAD THE MENTALITY EVEN GOING BACK TO SHABS, THAT THEY WILL RELEASE IT WHEN A FULLY FUNCTIONING GOVT IS FORMED. 

I BELIEVE THAT WILL INCLUDE THE NEW MINISTERS AS WELL. WITH THAT SAID, I ALSO BELIEVE THE NEW PM HAS BEEN HAND PICKED AND JUST WAITING FOR THE POP AND POR TO NEUTER MALIKI.

THE NEW PM MOST LIKELY HAS THE NAMES OF HIS CABINET ALREADY PICKED AND JUST NEEDS TO GET THEM IN...THEN THE CBI WILL ACT. AND THAT VERY WELL CAN HAPPEN AS SOON AS HE IS SWORN IN, THE REVAL ALONG WITH INFRASTRUCTURE INCLUDING OIL REVENUE BACK TO THE PEOPLE IS BUILT INTO THE BUDGET.

THE NEWLY RATIFIED AND ADJUSTED BUDGET MUST BE IN PLACE FOR THE NEW MINISTERS TO ACT ACCORDINGLY WITHIN THEIR OWN AREA.  LOOK FOR THE BUDGET TO BE ACTIVATED AND VOTED IN RIGHT AFTER THE NEW PM AND HIS MINISTERS. AND THAT COULD ONLY BE A FEW DAYS BECAUSE MALIKI WILL BE A FORGONE CONCLUSION. JMO. 

MILLIONDAY TIDBITS: LET ME SUMMARIZE THE REPORT!!, 29 JULY

Millionday:I HAVE NEVER TOLD YOU ANYTHING THAT SHOWS A TIMELINE OF ANY KIND FOR ANY REASON...HERE WE GO AND IT IS IN INK...Quote: "This card is used for transferring salaries from companies to the card’s account and it can be used in cash withdrawal through all Warka bank ATMs in. THAT IS THE NEW PAYMENT CARD SERVICE THAT WILL BE AT THE BANKS.  

SO LET ME SUMMARIZE THE REPORT: AFTER THE FEAST --- ALL PAYROLLS AND PAYMENTS WILL BE MADE THEN.  THE FEAST WAS TO BE ANNOUNCED TO HAVE BEGUN TODAY [MONDAY].  [when does it finish?]  THREE DAYS. 

[will the cards require a rate to go global?]  THEY WILL HAVE TO HAVE AN EXCHANGE RATE IN ORDER TO HAVE A VALUE IN PLACE FOR EXCHANGE WITHIN THE GLOBAL SYSTEM IN PLACE FOR MASTER CARD AS WELL.

TNT CHAT WITH WETHRIN, 29 JULY

Wethrin wrote 7/29 12:35 pm edt: THE SHIA STARTED EID AL-FITR TODAY IN IRAQ (TUESDAY) UNLIKE THE SUNNI WHO STARTED ON MONDAY. THIS MEANS THE END OF EID WILL BE THURSDAY IN IRAQ. MUCH IS HAPPENING RIGHT NOW TO LOWER THE BLOCKADES AND GREASE THE WHEELS. STAY STRONG! TNT STRONG! HAPPYS- I AM ALWAYS CLOSE MY FRIEND, ALWAYS WORKING FOR TNT! 24/7 BABY! FOLKS REMAIN CALM, WHEELS PROPERLY GREASED, THIS TRAIN IS MOVING. DON'T PANIC! DOES EVERYONE HAVE THEIR TOWEL? 

AwesomeAaron: Wethrin - does the OIl tanker and the lawsuit over it have anything to do with the hold-up? 

Wethrin: AWESOME- NO THATS JUST SIDE DRAMA. TIMTH- THATS FANTASTIC, I HOPE ALL OUR FAMILY IS AS READY AS YOU ARE! 

IdahoUSA : JCR~~~~~as always a pleasure to see you May I ask you the same question I asked Wethrin.... Wethrin~~~~~~with our Congress going on break this Thursday. Do you think that opens a huge window for the RV. 

 Wethrin :IDAHO- I DONT THING IT IS CONNECTED PERSONALLY. ANYWAY, STAY POSITIVE, STAY CALM, REMAIN READY AND SEND UP THE PRAYERS MY FRIENDS, OUR BLESSING IS VERY CLOSE!  BBL 

Suri: KNOW THIS WILL NOT SIT WELL WITH SOME, BUT THIS SHOULD HAVE NEVER BEEN YOUR PLAN A. THE RV AND THIS MONEY SHOULD BE A BLESSING. YOU CAN'T SIT AROUND WAITING FOR THIS TO DROP IN YOUR LAP. YOU ALSO NEED TO MAKE THINGS HAPPEN FOR YOURSELF, AND WHEN THIS DOES HAPPEN IT WILL BE A MAJOR BLESSING TO YOU AND YOUR FAMILY. 

Wethrin : SURI- TONY HAS SAID THIS MANY TIMES, AS HAVE MOST OF US. VERY WELL STATED AND VERY TRUE! 

woofer :The Oil will be un-loaded per U.S. Magistrate Judge Nancy Johnson of Galveston. Sg I think it means something important.

 Wethrin: WOOFER- ITS NOT. KUL'AM WA ENTA BI-KHAIR! EID MUBARAK!

ROBBIE BENJ POST FROM STAGEALPHA FORUM: DINAR VS. OTHER CURRENCIES, 29 JULY

robbie benj: Why does the Iraqi Dinar have to revalue before the other 197 countries can revalue their money.  Why are they waiting so patiently, and what is preventing them from circumventing Iraq?

carden: This is a good question, Rob. My answer is this. The IRAQ dinar is the lynchpin that holds up this entire GCR. Iraq can't revalue after Viet Nam because if it did, the people that exchanged their VND would be able to buy Iraq and vice versa.

 Having a supply of huge amounts of cash give the holder the ability to be a "market maker" and no authority in the world wants this in unexpected quarters. This is not going to happen. The possibility of that happening are nil. This is a coordinated effort among many (hundreds) of countries. 

I've been wondering about the first, second and possibly third basket opportunities that have been discussed. With all of these delays I've been thinking that it's possible there will be only the one basket and every country will be stable with it's true corrected/balanced-asset-backed valuation in tact. 


Although no one has mentioned this possibility... this is only my imaginings. I've been wondering if this delay is only to make sure that when this does happen we'll be held under the FACTA rules about exchanging our currency. 

If that is the case and we are not all previously recognized and  historically active currency traders we may have a challenge here. There are many areas of question. For now I only wait... and wait... and wait on some answers. They will be presented. Of that I have no doubt.

Truly, the only FEAR I have is that I have to wait another hour before the FOREX GOES LIVE. Ha, ha, ha. You get it, I really have no fear. Just a bit of boredom with the wait. I know everything will be managed. THIS IS A GOD THING and GOD NEVER FAILS.

SKIRACER POST: LESSON 2: CHOOSING A BANK & ACCOUNTS, 29 JULY

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

NOTE: I AM NOT A PROFESSIONAL ADVISOR, THESE ARE PERSONAL OPINIONS SHARED AND NOT TO BE RELIED ON AS PROFESSIONAL ADVICE....ALWAYS SEEK QUALIFIED PROFESSIONALS FOR ALL LEGAL AND INVESTMENT ADVISORY

LESSON 2:  CHOOSING A BANK and ACCOUNTS

BANK TIERS:

Banks are classified very generally by two different criteria: 1) amount of money managed (or deposited), and 2) services offered.  There are "tiers" for each of these, which creates a good deal of confusion to call both "tiers." But there you have it.  
It so happens that these two criteria often track one another. For example, banks that provide "services" like foreign exchange and wealth management typically are large enough to support such activities so they have larger depositories as well. So it is a sort of 2-fer deal sometimes.    

It is the Tier 1 SERVICE banks that are our target. Of course we do not ignore the advantage 1) above gives us, but it is the Foreign Exchange (FE)  service in particular that appeals to us at the moment.    We wish to seek out a bank that itself offers FE services. That means it operates its own FE division or department where currencies are verified and funded, even if not every branch has this function. This means personnel trained in FE work for this bank as employees.  That means the bank has a vested interest in making sure FE works right.  I like that.
Some of such banks are the Big 4: Bank of America, Citigroup, Chase, Wells Fargo.  USBank may also offer these services in larger cities. HSBC offers them in San Francisco as best I know and I think BNP Paribas offers them in New York.   

Banks that do not themselves offer FE services normally contract with the banks that do. However, that means that your dinar/dong will be in transit "inter-bank" via some transportation means, which may open the door for some funny business. It also could mean delays in crediting your account, from a few days to upwards of a week or so.  In our case, Seller beware. 

Tier 2,3 and Community Banks

There are multiple banks that are not Tier 1 and are excellent banks.  The safety of your deposit should be utmost in your mind. Pick a local bank that has 4 or 5 star ratings. Check the internet in your area by Googling "regional bank safety ratings [zipcode]."   This returns pretty amazing results that I was not expecting.  A word of caution: One bank by a certain name in one area (zip) may be highly rated, but the same named bank in another zip may have a much lesser rating. This is because of past performance and likely the local management.  So do your homework.  And BTW this includes the Tier 1 Big-4 banks as well!  This also surprised me.

FDIC INSURED BANKS

As far as I am concerned this is all bogus hoopla. It is not worth a dime. The FDIC has 99 years to pay you your money back, even the $250,000 insured amounts per signature on an account. Next, only 6% of all FDIC deposits are actually insured. If there is a run on banks, do you really think you will be in the 6%? Then you get to wait up to 99 years for it.  So I recommend private insurance if you are worried, or don't be using banks at all.  

BANK SERVICES:

As we've discussed FE is one important service. Another we might be interested in shortly is wealth management services. This essentially allows you to invest in various instruments  (Pay attention:) offered by this bank, such as stocks, mutual funds, annuities, etc. So each bank has a specific tailored set of instruments it offers, compensates it employees for selling, commissions are normally paid to them, etc.  So one must query whether such instruments:
  • are the best available on the open market
  • are selected based on the incentive to earn the commission or to put you in the right instrument
  • are serviced by the most knowledgable individuals in such instruments
  • provide you with the most experienced possible persons, (or someone in training?)
  • what monthly charges will using said services impose? Are they fixed or dependent on the balance managed?
My own personal objective is to find the very best wealth manager I can who  has a proven track record, is acting in my best interests and not their own, etc. I do not plan to use a bank for such services. I'd rather pay someone for performance rather than selling to me. Each of you will need to decide these matters for yourself.

CHOICE:

So your dilemma becomes what you want in your bank. Is it full service, one stop shopping? Is it timeliness during the exchange process? Is it personalized service? Is it a full range of comprehensive wealth products?  Is it being recognized and acknowledged when  you set foot in the door?
If you know your objectives it'll make it more obvious which bank fulfills those objectives. Now is the time to ferret out those decisions.

ACCOUNTS:

Once you have chosen your bank it is wise to have your accounts already opened before you try to do your Currency Exchange (CE). Here are the accounts I recommend:
  1. One account for dinars, due to different tax treatments
  2. One account for dongs and all other non dinar currencies, due to different tax treatments
  3. One account per currency type to sequester taxes for that dreadful day when your first Estimated Tax payment is due (Sept 15, 2014 we hope!!)  (This may become more clear when we receive our packets for the RV from Tony et al.  At one point the UST  was going to track your asset-backed funds ad infinitum but I understood on 7/25's call that Tony indicated otherwise.  Let's see if there is additional info on this. If you find it pls PM me and let me know and I shall update this.)  
I shall refer to 1&2 s the "mother lode" accounts.  These accounts will hold all your disposable proceeds from the CE, which is likely more money than any of us have ever seen.  So here is my plan:

A. Neither Mother Lode account will have any checks printed for it, not have online banking of ANY kind, no credit or debit cards, no wiring allowed in or out, etc.

B. When I wish to access funds to move to "working accounts" where I do have checks printed, etc. I will present myself in person to the bank and do a withdrawal and deposit into a separate account.

C. I shall request that no low-level teller has access to the Mother Lode accounts. Only my personal banker is allowed to access it at the bank.

D. I shall severely limit the signature authority on the Mother Lode accounts.

E. I shall evermore refuse any "special high roller credit cards" of any and all kinds forevermore. These merely advertise to anyone who gets it that you have money and you have now blown your cover of privacy.  Ask yourself, "What would a waiter in a fancy restaurant do with a credit a card against an account KNOWN to have hundreds of thousands of dollars in it?" duh.  

F. The jury is still out for me on whether these Mother Lode accounts will be interest bearing (IB). My dilemma is:
  • I'd like the minuscule income interest produces
  • I don't know if making them IB causes me to enter some kind of default contractual agreement with the bank wherein I am the lender for the bank and permits the bank to leverage MY money for their benefit and my detriment.
  • If non-IB accounts prohibit such usage.
These answers have not been easy to obtain, but it concerns me greatly. 
Choosing a bank is a personal decision on many levels. Identify your objectives to help wade through the morass of choices.
BANK CONTRACTS and FEES:

At one time we were told the banks would have contracts for us to sign that would specify a percentage of the money that had to remain at the bank for some duration, such as 12 -24 months. I now think that has gone by the wayside and is replaced with a flat fee to be charged by all banks.  That fee is 2%, which is a whopping fee, and represents the profit the bank will get, less the small fees due to the UST.  So the 2% should be the total fees you will be charged, payable to the bank out of the proceeds of the CE. 

I do not feel shy about trying to negotiate this. I probably don't have enough dinar or dong to sway a reduction in this policy but some of you might. It is worth the try.

DINAR IRAQ & DONG VIETNAM UPDATE, 29 JULY

DINAR IRAQ & DONG VIETNAM: just keep in mind that once Iraq has a PM and will have a budget very soon…as a government they will NOT be able to function using the IQD unless the CBI steps forward and completes the monetary reforms. In other words, they are showing us their intended time frames…it is now serious for Iraq because they are not protected (financially) by the UN Security Council anymore.

STAGEALPHA CHAT UPDATE: NO HOLDUP!!, 29 JULY

bn: OmegaMan... Cardin... Exo... Do you all think this situation will hold up the anticipations of the RV and PM announcement tomorrow? I thought I would get to go to sleep with sweet dreams of what tomorrow will bring.... Any thoughts on this???

omegaman: no holdup...many believe thurs. is PBX...me too...latest friday..imo

condor: Do you really think a court order questioning one illegal shipment of oil would hold up a huge global event like the one we are waiting for? No one has their eye on that oil tanker.

SKIRACER POST FROM TNT FORUM: LESSON 5: PROTECTIONS, 29 JULY

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

NOTE: I AM NOT A PROFESSIONAL ADVISOR, THESE ARE PERSONAL OPINIONS SHARED AND NOT TO BE RELIED ON AS PROFESSIONAL ADVICE....ALWAYS SEEK QUALIFIED PROFESSIONALS FOR ALL LEGAL AND INVESTMENT ADVISORY
FYI: THe other lessons have disappeared as of 7/28 AM. I am trying to find out what happened to them. 

LESSON 5:  Protections 
Caveat:
We self divide into groups that have different objectives. Mine are privacy, freedom, safety, and future both here and afterlife. This is necessarily colored by my life experiences, my expertise, and my personality. So I want to be upfront about that.  I am not a professional financial advisor or attorney. I am just a nerd.
OVERVIEW:
There are multiples levels of protections you will need. 
  • Personal/Physical: Your family, home, privacy
  • Electronic: online hackers, internet trollers, identity thieves, etc
  • From obvious predators: Thieves, moochers, sales people, politicians, telemarketers, bankers, even various charities, etc. In short these are people who see you as an easy mark to hit up for money.
  • From Lurking Predators: The would-be victims, people looking to punish you because you are rich and they are owed, victims who sue for a living, party people looking for a sugar daddy, the gold digger deceivers who marry for money, in short the ambulance chaser mentality.
Your personality will dictate further protections that may be needed. 
PERSONAL/PHYSICAL:
Anonymity is one of the best forms of protection. 
Protect your Home & Family
  • Get a security system. Expensive does not mean the best, but it could. As a nerd I know how "stuff works" behind the scenes and this colors my view considerably, that's a caveat. It all comes down to either electrical currents or ones and zeros. Study various systems available and choose one that is the safest for assorted reasons. Simply Safe, as an example, builds a system based on a wireless LAN of sorts. There are no wires a thief can cut, no wires to install, no limitations on positions or placement, no outside workers invited into your home, etc. It maintains connectivity to a central location via a dedicated cell phone system rather than a landline, which could be disabled by the experienced thief. This  makes it suitable for owned homes, rented homes, apartments, etc. It goes with you when you move totally easily. It is thus good for college students in a dorm situation, kids in their first apartments, the elderly, etc. The monitoring is even optional.  On the other end of the spectrum you can get crazy and run wires everywhere and spend big bucks.  It is all a matter of your life experiences, expertise, and objectives. 
  • Get a Distant Mailbox. Pay for a new version of Post Office boxes, one with a street address and a suite number (i.e. the box humber). They cost about $12-15 a month and sign for packages, etc. Use this for any communication except personal. Choose one easy for you to get to so you will actually pick up your mail occasionally.  
  • Get a burner phone. Why? There are no contracts, no records by cell companies, it prohibits even NSA monitoring that can be traced to you!  You get to be anonymous. Trac Phone is an example sold at Target and Wal-Mart. You buy minutes as you need them. Use this phone number anytime you must provide one.
  • Have Self Defense.  Why? The police will not get to you in time in most cases. Maybe it is a bat, a gun, pepper spray, a bug bomb, etc. But have something by your bed and near your kitchen, the two places you spend a lot of time. But have something!
  • Get a safe INSTALLED.  WHY? It is the perfect place to stash cash, gold, jewelry, guns, important life-papers, computer backups, etc. Have it bolted to floors and walls. Make it big and heavy.
  • Set up an LLC.  WHY? You can use the anonymity of that LLC to do charitable and political contributions for one thing. For another it sets up a shield of economic protection against lawsuits; the plaintiff can only go after assets in the LLC not you personally. That is huge. People own cars in LLC for that reason. People own houses in an LLC name for that reason. YOU get the picture. 
  • Go to your state's website and search for LLC. They normally let you do it online. Once it is set up you go to the IRS site and get a tax id (specify you want the LLC to be a "disregarded entity" and you only need to file a Schedule C on your taxes. Now that money is not the object this may not be so important. Check with your professionals.) NOW the LLC has its very own ID, like a social security number, but it is not tagged to Y-O-U. 
  • Be sure to use the Distant Mailbox and burner phone number!  Y-O-U are not easy to connect to this LLC then.
Protect yourself electronically
  • Online. Do not post pictures of yourself or family on public sites. You would be AMAZED and awe-stricken by the facial & voice recognition software available today. There are also web-crawlers that can use an image to go seek other images throughout the internet, then start putting addresses and phone numbers with them. There truly are evil people out there and you must protect yourself. It comes from vigilance and a little common sense.
  • Don't use online banking except from a home LAN that is protected. Even then it is unwise. NEVER access your online banking systems in a public WI-FI environment, even a password protected one, in a hotel, or library, etc. NEVER.
  • Banks: Manage your bank accounts by moving money at the bank not online.
  • Debit Cards: Maintain VERY limited funds in a debit card-accessed account. Isolate this account if you must have it. Make it self standing and not part of any other portfolio accounts you may have. When you set it up use your Distant Mailbox, above, and  your burner phone. Some people refuse to have one.
ATMs.  Yes there are times you must use one. Be more responsible and don't go for $20 everyday. Instead, get a weekly amount in cash and use that for everyday small purchases. Choose a secure one, not one in a mall. There are remarkable devices that can be inserted into ATMs that read your card, capture your PIN, then BINGO, your money is a goner. Cash is not traceable. We have entered a very monitored system as citizens. You can opt out by using cash. You can even go to the bank (!!) and make a withdrawal for this weekly money, or keep a month's supply in a home safe.  My ones and zeros expertise guide me to avoid ATMs and any sort of electronic banking. 
Credit Cards.  Set  up one that you use exclusively if you do ANY online purchasing, which I also discourage BTW.  THis card should use your new Distant Mailbox and Burner phone and should have limited money in the account.  Online sites: Avoid those that keep your records, such as Ebay, PayPal, opt out of "joining any site" where they keep your information; remain a guest though it is inconvenient. Avoid Facebook with your real identity. If you do use it go to the SETTINGS and opt out of absolutely everything public; the default is completely public so anybody can see everything even if you do not so intend. 
  • Watch what sites you frequent. It is not hard to physically locate an internet user for anyone with proper knowledge of how the internet works internally. And it is not complex really. Some sites are notorious, such as Yahoo. 
  • Be aware of all the sites hacked in the past year alone: Target, Ebay, Chase credit card division, the IRS, Home Depot, Obamacare, countless others, etc. Remember Snowden.  All the consolidation of data is not necessarily a good thing.
Mother Lode account: (see Lesson 2, Choosing a bank if you don't know what this is.)  It is worth repeating that this account must not have electronic banking associated with it. 
  • Absolutely no debit card (your PIN is only 4 digits, it is entered in countless places, any idiot can figure it out!…there are only 10,000 possibilities that an iPhone can run thru in an instant). Abso-positively-freeking NO debit card. 
  • No credit card. While they are marginally safer, they open this account to multiple vulnerabilities. This is your Once-In-a Lifetime stash. Protect it with all you've got.
  • No pre-printed checks. This advertises to anybody you write a check to all the info to access the account, even the routing number!  be smart.  
PROTECTION FROM PREDATORS ( the not-evil ones, the annoying ones):
Anonymity is one of the best forms of protection. 
Location and Connectivity
  • Use your Distant Mailbox:  Direct them to a different physical location for their house-to-house sales calls AND all their junk mail. Be sure to use this for politicians as they are the worst; they routinely pass laws then exempt themselves from them. And they sell  your name and contact info to anybody with a dime.
  • Use your burner phone: For all the same reasons. I helped design multiple call center internals and I hate telemarketer calls! There are tricks to fool the autodialers, but the best protections for landlines in cue they still have that number are: 
  • Have an answering machine to screen your calls, meaning you never answer your phone. Pause in your recorded message after, "Hello (or Good day)." for about 2 seconds. It causes autodialers to route the call to the next agent. Then they get to hear the rest of your message. It also fools people who call you though.
  • Have a listed phone number that you give out to everybody.
  • Have another phone  number you pay extra for that has distinctive ringing and that you only give to your family or friends.
"Additional Services"
Most companies we do business with these days have OPT OUT requests, but of course they make it difficult to do sometimes. But take the time to do it. Otherwise you give them permission to sell your name and ALL ACCOUNT information to all their affiliates, subsidiaries, third parties (whatever the heck that means!!  ...the net just gets larger), etc. Big holding companies maintain huge databases and we have no idea how much information is in those. OPT OUT OF IT ALL.
Banks are notorious because they have a consumer division and a commercial division. The difference is we are the consumers and we need checking and savings accounts. BUT somewhere along the way under assorted deregulation laws banks may now be in the financial services industry, i.e. the brokerage and stock business. That is the commercial division.  Banks historically have a lot of consumer expertise. Commercial? mmmm not so much in general.  
Even commercial financial institutions have not fared so well of late. Remember Lehmann Brothers, Merrill Lynch, and the whole Wall Street debacle?  yeah. Well, buyer beware.  If their primary purpose is to manage funds and they lose them can you imagine what they are doing with IT (Information Technology) when it is not "their bailiwick?"
Insurance companies are another source of invasion of privacy. They have all sorts of info on you, like what special add-ons on your homeowners policy you have for that jewelry or artwork, or antiques or the whatevers you treasure. Then of course they sell that information to the highest bidder and all "affiliates, third parties, etc." again.  Is it any wonder we have identity theft?  OPT OUT OF IT ALL EVERY CHANCE YOU GET.
Charities are among the worst sellers of your information. Charities make a lot of money by selling their lists to "other affiliates and third parties" (those guys again!)  I have quit donating in my name for this reason.
  • Use the LLC to make donations 
  • Better yet donate to a Donor-Directed charity once and let THEM do your donations. It gives you another layer of privacy and anonymity. (See Lesson 4 on Taxation)
Politicians: Ditto for the Charity advice. NEVER donate another dime to politicians in your own name.  BUT do support your causes please.  
(Recreation tip for the slightly demented: Do a small donation to some politician or charity using a version of your name, like SJ Smith when  your name is James Samuel Smith.  Then trace it and see how many letters show up over the next 4 months addressed to SJ.  This will prove the major industry of selling contact lists.)  Old people get into too much mischief!
PROTECTION FROM LURKING PREDATORS (the evil ones):
Anonymity is one of the best forms of protection.  These are the people who basically want to sue you because they tripped over a rug in your house, you opened your car door and barely hit their car parked next, or just because, etc. 
SUE-Happy people
  • Use your Distant Mailbox
  • Use your burner phone
  • Use your LLC to own cars and houses
  • Insure yourself to the hilt.  
  • Get an umbrella policy for $5M that really does cover almost everything. 
  • Up your car insurance a bit too to liability limits of $2M.
  • Up the liability insurance on your home(s).
The gold diggers   (may also include long-lost relatives)
There will alway be opportunists. They are the ones that marry for money not love. They marry the old guy or gal in hopes they kick the bucket soon.  We won't change them, but we can avoid them. 
  • Don't flaunt your money
  • Rent fancy cars if you want for the first year (a different one every weekend or month), but don't buy one right away if you are single. A small BMW is fine but not a Bentley!
  • Dont' buy rounds of drinks in a bar for strangers
  • Don't wear fancy watches to advertise your wealth
  • Find a soul mate that loves you first for YOU then introduce the idea of a Pre-nuptial agreement before the BIG day.  Divorce is one of the costliest endeavors man has created. Protect yourself.  "Sole and separate property" is a really good thing to research and understand, particularly in community property states.