Friday, October 5, 2018



[via Manaolana3]  Synopsis:   Announcement made Mahdi as next PM; question whether his acceptance is constitutional; BUT it's not over yet (announcement took Frank and Teams by surprise).  USA supports Mahdi and is being congratulated by many including ME countries, Amb Silliman, State Dept Rep McGurk,and others.  USA gave list of technocrats to Mahdi; will rid of Iranian influence in Iraq, but most important seating of the government of Iraq.  Mahdi is recognized by all parties due to his history, whereas, Abadi is not.  Mahdi is a bridge, a conduit to the GOI, but is not from the large bloc; may have issues, and if there is opposition, may walk.  Madhi has the support of Sistani; supports Sistani's plans/reforms, is a settlement candidate...

Mahdi is loved by the citizens and everyone in Iraq...Not committed to any political bloc...supports economic and monetary reforms, HCL for citizens, give citizens more purchasing power...wrote many report including his opposition to the auctions.  Mahdi has 30 days to form his government...Mahdi supports the lifting of the 3 o's and will bust-open the reforms.  Mahdi as PM will enhance security and stability and a suitable environment to allow all all economic and monetary reforms to continue PM Abadi is still in charge of the government until Mahdi puts together his government in 30 days...let the dust settle. The most important thing to remember is to seat the government, not who is the PM.


10-5-2018   Newshound Guru Kaperoni  New replacement dinar notes begin circulation next week. 

10-5-2018   Intel Guru Bruce
   What is interesting about that is if they do come out Saturday or Sunday which we think they will...they will be also trading their dinar on their market Sunday night...  We also believe the ISX will be trading, and the dinar will be tradable on the ISX but also it will be tradable on the NASDAQ in the US on Monday morning. We should have visibility more with Iraq and the dinar as the result of what they will be doing over the weekend whether it is Saturday or Sunday. ...It is looking good for the next few days...  I am encouraged. I am excited. I feel good where we are...   [post 2 of 2]

10-5-2018   Intel Guru Bruce   [via Pinkroses] Just when it was safe to close the door on Iraq, something else comes out. Today we got information from Sulaymaniyah, one of our sources there, that Iraq is going to have their lower denominations not only at the ATMs.  These are the lower ones the 10s, 20s...the lower denoms and they will be everywhere. They will be in the stores, the banks, the ATMs.  ​They supposed to bring them out either Saturday or Sunday. Sunday is the first day of their business week...It is a very good sign that they are saying to the world...hey we have revalued. This is our new rate, and we have the new lower denoms to go to.  [post 1 of 2....stay tuned]

10-5-2018   Newshound Guru Bloodloch   New small denominations of the same currency are not what I'm looking for. Rather, I'm looking for something quite different. Perhaps they are just getting the public accustomed to the idea of new currency issues. New artwork and such.

10-5-2018   Newshound Guru MilitiaMan  ...There is nothing that suggests outside of next week.. They clearly are reiterating there intentions to bring in the new [currency ?] next week. Abadi is PM now while and through the end of seating the Cabinet...  The environment is stable and secure now and will be... Thus, the Independence of the CBI can roll out the new when appropriate, and there words are next week and that is their words not mine, or even any speculation about it what so ever.  ...You don't bring in small currency with out a rate change... That is imo a reality..



Sources are reporting that Prime Minister-Designate Abdul Mahdi will announce his cabinet members at the next Parliament session on Tuesday, adding that if not on Tuesday, then it will be announced on Thursday. This cabinet will replace PM Abadi's cabinet, who appears to be in full cooperation with the change of power.  Iraqi TV reports the CBI announcing the placement of large quantities of the smaller notes in circulation next week  to meet the needs of daily transactions. The 1,000 dinar note resurfaces as tattered 250's and 500's are being replaced with new currency. There is speculation that even smaller currency will be introduced next week also...TIME WILL TELL...


[How is the political map looking now that Barham Saleh has been announced as the President?]   I don't see anything wrong with this pick. In fact, his immediate announcement of a choice in PM says a lot about how we can expect things to change.  This is possibly even better than Abadi remaining PM... the status quo is due for a shakeup, and a "fresh face" can certainly do that now.  Looking forward to the coming days! 


June 15, 2018   By  ESI

Here’s another interview with a millionaire as we seek to learn from those who have grown their wealth to high heights.

Recaps Note:  When did they make their first million - how did they make it - how do they spend it and how do they maintain it? -- As you will see in these interviews some share more or elaborate more than others on their answers – We hope you find their stories interesting with insight and advice that you will use.

My questions are in italics and his responses follow in black.  Let’s get started…


How old are you (and spouse if applicable, plus how long you’ve been married)?

I am 56 years old. I am single and do not have children.
hat area of the country do you live in (and urban or rural)?

I live in the southwest.

What is your current net worth?

My current net worth is 1,328,911.

I summarize my accounts monthly on a spreadsheet, so that is why I know to the dollar, and I am looking at that spreadsheet right now. [Editor’s note: This interview was completed on April 1.]

What are the main assets that make up your net worth (stocks, real estate, business, home, retirement accounts, etc.) and any debt that offsets part of these?

My assets can be summarized as follows:

They consist of mostly index funds and ETFs of stocks and bonds. Domestic and international.
Individual stock in Facebook
An annuity tied to a stock index (205k)
Other ETFs such as gold, commodities, and REITs

Real estate (just bought for 417k and paid down payment of 105k, so equity is 105k)

The accounts include:
Annuity with tax deferred money that will be taken as life income in my 60s
Future monthly pension of about $550, from prior job and not counted as an asset in the above total amount of assets
Roth IRA
After tax brokerage accounts
Cash checking accounts


What is your job?

I work for a pension consulting firm as an actuary.

What is your annual income?

Annual income is a base of $185,000 plus some bonus, depending on profitability

Tell us about your income performance over time. What was the starting salary of your first job and how did it grow from there?

My first job provided a starting salary of 21,000. It grew gradually each year as I gained more experience and progressed with earning my professional designations. It continued to grow modestly until it hit 100,000.

At that time I left my job for various reasons and did free-lance work. The freelance work mostly consisted of reviewing pension distributions for former employees of Fortune 500 size companies and working with law firms on class action lawsuits when I uncovered errors.

I probably made in excess of $80,000,000 for former employees by finding errors in calculations. Personally I was earning less than what I did when I had my job, though, the lawyer I worked with owed me over $250,000 from a case and he never paid me, except for a $25,000 stipend.

I then got back into the corporate world a few years later and continued to build my income until the recession. My income went down for a little while and then finally came back up to where it was and has grown some since.

What tips do you have for others who want to grow their income?

Figure out what you are good at and like and then determine if you want to be in business for yourself or be an employee.

If you want your own business, best to be fairly certain as to how much potential there is before making the transition.
And to be an employee, find a job with a good company that offers growth potential. The sooner you find such an opportunity the better.

And always try and improve your skills; both technical and interpersonal. 
What’s your work-life balance look like?

I strive to live a balanced life, though my spare time does sometimes include professional reading (educating myself to do my job better), studying finance, and sometimes being involved with World Financial Group  (WFG).

WFG includes a) financial education with an application to utilize insurance and annuity products, b) building a side business to educate families and c) socializing and inspiration. So the above activities probably aren’t ideal for leading “a balanced life”.

However, I do value relaxation, and that ranges from reading, exercise, movies, dining out, social activities, dating and travel. Since I am close with my immediate family, who live in New York, I get back there frequently, to see parents, brother and friends.

My traveling includes local road trips, meeting up with friends in Las Vegas, seeing family in NY and occasional overseas trips.

I was in Europe a few years ago and plan to take an international trip this year to Amsterdam, Mainz, Germany and Belgium.

I am always paying attention to my personal and social needs, so I do put in effort to make sure I feel healthy and connected with others.

My next step to have a better work-life balance is to semi-retire (hopefully in next year or so), i.e. leave my intense job and do my own free-lance consulting doing work I want to and at a pace in which I am comfortable.

Life is “short”, so I intend to transition my life to a lifestyle in which I can cherish all my time.

Do you have any sources of income besides your career? If so, can you list them, give us a feel for how much you earn with each, and offer some insight into how you developed them?

Generally I would say no, but I have done private consulting in my field outside of my corporate job on occasion. That has provided up to an additional $35,000 or so in a given year.

However, due to my very demanding job responsibilities at this time, I choose to not do much consulting for the time being. The consulting work came about from a prior employer and referrals to other companies.

I recently joined a financial organization called World Financial Group. It has been an opportunity for additional financial education, though most of it is basic review for me. It is also a potential side business that deals with insurance, annuities, long term care and other financial planning products. Not sure if I will ever develop this business as I am not the type that likes to solicit people in general.


What is your annual spending?

I have been keeping a spreadsheet of what I estimate my annual spending would be if I were to retire today and it is useful for estimating what I currently spend. I have been eagerly trying to position myself to semi-retire and do consulting on my own terms, thus the reason why I analyze my retirement expenses, which includes the sizable cost for health insurance.

In any case, my current annual spending is in the neighborhood of $60,000.

I do need to go through my monthly spending some more to get a better handle; I am starting to do that. I only wish I had more time to devote on all these financial projects, thus the desire to semi retire.

My day job gets in the way of everything. I seem to desire working independently, though I do need people contact; so difficult to determine the ideal situation.

Working long days on a day job, seems to make me feel that life is moving so fast and I don’t have time to smell the coffee. I think it is a phenomenon one feels as they reach a more advanced age. 
What are the main categories (expenses) this spending breaks into?

My spending breakdown:

Housing/home insurance: $29,000

Food, entertainment: $14,000

Utilities/maintenance: $4,000

Auto gas/insurance, etc.: $3,000

Medical: $4,000

Travel: $4,000

Miscellaneous: $3,000  ​

Do you have a budget? If so, how do you implement it?

Currently, many of my costs are somewhat fixed, unless I want to make a radical change. The item I try to budget is to give myself $200 per week to cover food and entertainment; though this doesn’t count spending for car gas or dates.

A couple of months ago I tracked what I spent and I will be doing this in the months ahead to see what is really occurring. The month I did track resulted in me spending a little less than I expected.

The importance of the budgeting now is to really see if I am prepared to leave my corporate job. If I left now, my budgeting, while conservative, does not incorporate an expense for travel yet.

 I would need more in savings to include a travel item of what I estimate to be $6,000 per year. I probably need a higher figure if I want to do any overseas traveling.

What percentage of your gross income do you save and how has that changed over time?

I am diligent about trying to save all I can, without being too deprived of course.

I would say that I am saving close to 30% of gross income. Though, I just bought a condo and I don’t count the amount that goes to decrease my loan, which is technically saving too.

I wish I could save more, but living expenses and taxes are just too high.

What is your favorite thing to spend money on/your secret splurge?

I really don’t have any major splurges. Perhaps I am guilty of not traveling as much as I should. I say “should” based on what I believe would add to fulfillment.

I am fairly simple. I splurge too much on eating. I don’t say dining out, since a lot of my eating is just oatmeal, fruit, or a meal at whole foods food bar, etc. Being a bachelor and working hard, I am not motivated to cook and try to spend judiciously on food, but it still adds up.

My spending isn’t a problem for me. My Achilles heel are the setbacks or mistakes I have made, which will be discussed later. These setbacks have plagued me in essentially every decade of my adult life.

What is your investment philosophy/plan?

My philosophy includes having about two to three years of living expenses in cash.

This enables me to have cash to make a purchase/investment should some good opportunity arise, but it also puts me in a position such that if I were to semi retire in some fashion, I would have meaningful reserves to avoid being in a position of having to sell assets for living expenses, at a potentially depressed time.

In addition, I am working on setting myself up so that I have monthly guaranteed income to cover all or most of my fixed costs. For example, beginning at age 62, I can start social security, my annuity that provides life income and a small private pension.

​These, sources of income should cover most of my basic living costs. Again, this is to give me a hedge so that I don’t have to sell assets at a depressed time. Or minimize that.

Finally, for the remainder of my assets, my philosophy includes an allocation that can enable growth and outpace inflation. This includes an overall allocation of close to 60/40, stocks to bonds, generally speaking. It includes individual stocks here and there as I come across companies I want to invest in directly.

Given I have several stabilization mechanisms in place; I may decide to invest the remaining assets even more aggressively than 60/40, though I think 60/40 is somewhat aggressive given my age.

My plan includes rebalancing quarterly to keep my asset allocation and more often when there is some volatility. Rebalancing can be a little scary if one has a short time horizon. I don’t consider my horizon short, but not long either.

And lastly, about 160k of my 401k is in an investment that can be converted to life income after age 59 ½ or taken as cash at its account value. So this gives me more flexibility and more hedging.

This money is invested more aggressively to capture potential up markets. It is 80/20. This account gets an annual step up and can never go below the step up plus new contributions. So you keep any large gains, thus the reason to be aggressive with this account.

What has been your best investment?

I would have to say it is clearly my career skills, experience and credentials. That has enabled me to earn income continuously since I graduated from college.

I would like to say I have a great investment besides that, but can’t really say I have made a lot of money from any one investment. Facebook has done well for me (until recent issues), but not a large scale investment to be worth a substantial amount.
What has been your worst investment?

Unfortunately, I have many bad investments and this has caused me to be worse off financially than I would have otherwise been by a long shot.

My worst investment has been real estate. I have owned 3 properties that decreased by over 30% and 2 of them were over 50%.

I have made several other mistakes (or bad luck) that while not directly investments have hurt me financially. They include:

Leaving a well-paying job to be self-employed without having any meaningful clients set up in advance
​Selling a beautiful house to support my decision above

Taking tax advice from a tax attorney who (I once worked for) has since been disbarred, that resulted in taxes, penalties and interest to the IRS and legal fees

The attorney that did not pay me $250,000 in fees for my services

A couple of poor stock tips from a couple of “know it all’s”.

Perhaps others can learn from my setbacks.

On a positive note, I haven’t had any significant setbacks in the last 5+ years and hopefully my experiences will help me be wiser from this point forward.

What’s been your overall return?

This is really impossible to say. It has varied with the markets and the financial mistakes I have made. I suppose since the 2008 recession I have generally had my conservative portfolio increase by about 6%+ per year or so.

How often do you monitor/review your portfolio?

I review my portfolio every month like clockwork. I have been doing this for the past 14 years when I created my spreadsheet that tracks my wealth and my monthly savings requirement on the road to financial freedom. This change has been what has put me on a direct path to my goals and has been a source of inspiration, satisfaction and empowerment for me.


How did you accumulate your net worth?

I accumulated what I have, including many mistakes, and setbacks, by working hard for many years and saving and investing in the stock and bond markets.

Due to some of the things that didn’t work out well financially for me, it took me until my early 40s to really get on track.

When I reached my early 40s and started a new job in a new city, I created a spreadsheet to track my assets and how much I need to save each month to reach my goals. So starting 14 years ago, I have been more and more focused on my financial freedom and knowledge.

During the past 14 years, there was a roughly 2-year stretch (mid 2010 to mid 2012) when I wasn’t adding to my wealth due to some difficult personal circumstances. The moral is, no matter how much you plan, the unexpected still happens.

I’ve made modest revisions to my goals over the years, but for the most part I have stuck with the same financial goals.

My goals have been two fold. One goal includes being prepared to leave the corporate world today (i.e. as of now) and being able to manage and be self-employed (getting whatever business I can at my own pace) and the other goal is an alternative, where I work until age 61 and then can leave the corporate world and live as comfortably as I do now, without working at all, unless there is really something I want to do.

What road bumps did you face along the way to becoming a millionaire and how did you handle them?

Road bumps include:

Purchasing a coop and then moving to another city for a new job (after being laid off) and not able to get my money back even after 13 years of ownership, when I finally sold it. Rented it out for 9 years with a negative cash flow as well.
Leaving a well-paying job, to become self-employed without good prospects for how I would make money. This caused me to go through a lot of savings and sell my large house to get more cash and lower my cost of living.

Very unfortunate, because the benefit of buying a house when you are young, is that the monthly cost after inflation becomes relatively very low after 10 or 20 or more years of ownership.

Getting bad tax advice that even though I discontinued using the bad advice, it resulted in legal fees, taxes, penalties and interest, since the firm that gave me the advice, had all their clients eventually audited.

Purchasing an investment home in 2006 just before the crash. That was costly.

Buying into a few investment stock tips from perhaps well-meaning people that resulted in losses. I don’t take investment advice from anyone anymore. 
What are you currently doing to maintain/grow your net worth?

For better and worse, I am always eager to learn new things, but need to be careful about not doing anything reckless.

New endeavors include doing financial education with the World Financial Group. Though I am not actively in the business, apparently many people, somehow, are making good money. The business part has not been a fit to this point.

I also have spent time (on and off), studying investing in options. Since I have a mathematical mind, I always have some hope that investing in options could be an additional source of income. I won’t risk much money on this.

Right now maintaining/growing my net worth includes steadily working. However, I am at a point in life where I am weighing the importance of earning more money with the importance as to how I want to spend my time.

For example, does it make sense to leave my job and move back to my home town to be near family as that is becoming an important consideration for me? I am more open to self-employment/consulting than starting with a new employer again.

While my work can be interesting, it is also a stressful position, and I really don’t want to stay much longer at a stressful job that is becoming increasingly more difficult to get out of bed in the morning to go to; though I am not a morning person in general.

Do you have a target net worth you are trying to attain?

Generally I would say as high as I can increase it to, in order to increase my standard of living as much as I am able to.

I am always searching for something I can have a passion for, such that doing it is not work and increases my wealth.

However, if I reach $2 million, I think I would feel financially secure that I could maintain my current standard of living for several more decades.

How old were you when you made your first million and have you had any significant behavior shifts since then?

I reached my first million in early July 2016 at the age of 54. Given how hard I worked for it, it was quite a good feeling to finally get over that hump. And of course, I don’t want to fall below that level any time soon, if ever, though I don’t have a spouse or children to leave money to.

The change in my behavior since reaching my first million is to increase it as fast as I can, so I never have to go below that mark again.

I have been as diligent as ever in continuing to grow my wealth. Spending wisely, saving as much as I can and searching for ways to increase my income, inclusive of a second source of income.

If I ever stop earning income it seems almost impossible to stay above the $1 million level, but I have purchased an annuity that will pay life income and have a small pension and with social security, the hope is to not have to spend down principal quickly.  ​
What money mistakes have you made along the way that others can learn from?

I have mentioned above, the money mistakes, bad luck, and bad decisions I have made. I think I have learned to try not to be penny wise and pound foolish. I am trying to balance my desire and hope to dream of more success and try things with the necessity to not be naïve.

The biggest things I would have done differently are 1) to not leave a good job without a real solid plan for future income, 2) and not follow advice that could be costly if incorrect, without doing a lot of research.

If you had to give advice to ESI Money readers about how to become wealthy, what would it be?

I think it is worthwhile to keep an open mind when you are young and explore things you might like, take risks when you are young to see where your most potential may be.

After that I recommend to be as valuable professionally as possible to earn as much as you are capable.

Then establish financial goals and a plan to get there. Make this plan at as young an age as possible.

For me, I didn’t get really serious about this until my early 40s, though I did attempt to save in my early years, when I could afford to. I wish I created a serious spreadsheet plan by age 30.


What are your plans for the future regarding lifestyle?

I would like to start my future as soon as possible, maybe this year. My future will hopefully include, as I have mentioned, doing consulting at my own pace and as I desire.

As a consultant, I feel it will give me the chance to explore all opportunities I can discover, think more creatively and enjoy the entrepreneurial aspects afforded to me. I would slow the pace of my life and peacefully experience my time with others and continue learning.

My future may include (as mentioned) moving back to my home town to be near immediate family. While it is important to spend my time doing things I enjoy or interest me, it is essential that I am connected to family, friends and people as much as possible, in order to have emotional fulfillment.

I would like to share my post corporate years with a significant other, if I find one.

What are your retirement plans?

Retirement (or semi-retirement) will hopefully include, travel, sports, fitness, theatre, museums, shows, dining out, and other experiences. Since I have a desire to live well in retirement (based on my last sentence), I need to be careful about leaving my job and steady income without some certainty of future income.

Are there any issues in retirement that concern you? If so, how are you planning to address them?

Issues in retirement that are concerning include:

Retiring too soon and having to live on a tight budget

Health problems without any care taker or place to live if I run out of money

Isolation and loneliness

In order to address them I will need to, in part, be more optimistic, perhaps purchase long-term care insurance and stay as connected to community as possible.

I have an older brother, so he may be a source of support, but he has been unable to save and live completely independently, so I am more likely to be a caretaker for him. I never really thought of these things before, but with my parents in their 80s and with health problems, this has become relevant.

How did you learn about finances and at what age did it ‘click’? Was it from family, books, forced to learn as wealth grew, etc.?

I wish I started to learn about finances as a child, but it wasn’t until my 30s that I began to save for my future.

In my 20s I didn’t earn enough to save much and I bought a home instead. Back then, owning a home was the thing to do and the American dream.

In my 40s I really got serious about my saving as I developed spreadsheets and a concrete plan to reach my goals.

And for about the past five years, I have read many books and taken in all I can on the subject of personal finance and financial freedom; a passion for me.

Though I do realize that people are what are most important at the end of the day. The more my wealth grows, the more focused I get. I know I need to spend money too and have fun, so I will be taking a European vacation in May.

Who inspired you to excel in life? Who are your heroes?

I always excelled in math from a very young age, and it seemed that others (or I) had high expectations of me, which has caused me to put a lot of pressure on myself.

I am still trying to learn about myself and how to balance reality with aspirations. I grew up around successful business owners. My father had his own business and we had a close family friend who had a successful accounting practice. So, that is why I have always wanted to be an entrepreneur.

Hopefully I can fulfill that in the future, but I need to be open minded as to what is the best path for me as we are all individuals.

Do you give to charity? Why or why not? If you do, what percent of time/money do you give?

I have donated to charity frequently over the years. I receive a lot of mail asking for donations, ranging from children causes, medical research, homeless, etc.

I have done some charitable work over the years such as Big Brother, Make A Wish and with a rotary club, where I would clean the community or volunteer for veterans.

This is an area that I need to pursue more vigorously in the future; thus another good reason to become financially free and have more time for such causes.

Do you plan to leave an inheritance for your heirs (how do you plan to distribute your wealth at your death)? What are your reasons behind this plan?

Whatever money I have upon my passing is expected to go to my brother. He has a lot of struggles in his life and I want to do all I can to help him and ensure that he has food, shelter and clothing.

At this point I am at a life crossroads. I have a good job where I live, but my aging immediate family is in NY. So, I am contemplating a move, with the possibility of less financial security. Of course, I may end up enjoying a successful, satisfying consulting practice if I move back to my family.




Bruce:  Welcome Everybody to the Big Call tonight.  Just when it was safe to close the door on Iraq, something else comes out. Today we got information from Sulaymaniyah, one of our sources there, that Iraq is going to have their lower denominations not only at the ATMs.  These are the lower ones the 10s, 20s, like we have here. They will have that in Dinar the lower denoms and they will be everywhere. They will be in the stores, the banks, the ATMs. 

​They supposed to bring them out either Saturday or Sunday. Sunday is the first day of their business week. If they bring them out Saturday, great.  If they bring them out Sunday, great. It is a very good sign that they are saying to the world hey we have revalued. This is our new rate, and we have the new lower denoms to go to.
Bruce:  What is interesting about that is if they do come out Saturday or Sunday which we think they will by then with the lower denoms, they will be also trading their dinar on their market Sunday night, on the Asian market because the Asian market opens up 9:00, 9:30 pm EST.  Over there is it 9:00, 9:30 Asian time, Hong Kong in the morning, Monday morning. That would occur where those would be traded. We also believe the ISX will be trading, and the dinar will be tradable on the ISX but also it will be tradable on the NASDAQ in the US on Monday morning. We should have visibility more with Iraq and the dinar as the result of what they will be doing over the weekend whether it is Saturday or Sunday.                                                                 
Bruce:  Then Sunday night for China when they open up the markets over there and then Monday morning when our markets open up at 9:00, 9:30am on the East Coast then the NASDAQ opens. When we talked about the ISX, Iraqi Stock Exchange, being connected directly to the NASDAQ.  So that just a little bit more where Iraq is right now.  They already have done some celebrating over there. I think that is what we can look forward the weekend over there.     

Bruce:  When it comes to us here, we are looking to move forward. There were some things today and yesterday pointing to very much the start of a very good weekend for us. It could be, but also I am hearing some things that look very strong for early next week.  I can’t definitely say it is this or that.

It is just certain things we were learning yesterday and today are pointing towards a positive thing for the weekend. When you do hears things about Iraq with their lower denoms, with the ISX, and with the trading on the NASDAQ come Monday, it kind of makes you look beyond the weekend. It is looking good for the next few days. Again Guys if I try to call it I just might be wrong. I am not going to call it. I can’t even make up my mind how I feel about it. I mean really I am getting things pointing to one or another, this day or that day. A lot of stuff like that.

Bruce:  Here is what happened.  This is what I try to do is give you what has occurred. That tends to be better than generalities. I think you guys like specifics too.  Yesterday at 2:18 EST time everybody in the US should have received their text message on their phone. Everybody but Bruce. I didn’t get one. I don’t know why. I wasn’t on the phone at the time. I had my phone. I was waiting for it. Just about everybody I know got one. Not everybody get it. However 4 minutes later at 2:22 pm EST I saw the announcement on Fox TV. I had the DVR and I froze it and watched it and watched it again. That was interesting because I got the gest of the Emergency Alert System, EAS, and how it was used.  What was cool about that announcement even though it was just a test that was a precursor to what I believe we will be getting as information on that system because I believe that kicked off the start of NESARA. I believe that announcement was an initial start to the process of NESARA. That had to happen. That test had to go forward.

Bruce:  My gut says we are going to get more announcements on that system direct from the President.  This was called a Presidential Alert.  I think President Trump is going to use that system to get us information direct to the people of the United States in the similar fashion he uses Twitter to get information out.  He kind of does an end run around the media. Doesn’t mean the media isn’t going to cover information like Fox did yesterday where I happened to be tuned in and I saw it. I believe there is going to be some things about NESARA. It has been 8 years since I have known about that. I don’t know everything about it. I know a little about it.  It could be very interesting how that will be utilized. I wanted you to know that.
Bruce:  There are some other cool things that are happening with our security. We got it all clear yesterday a little bit after that announcement.  We got it all clear from Homeland that everything was 100% secure.  That was after a number of cleanups on aisles 3, 4 and 5 that I talked about on Tuesday.  That is in a good position, good shape right now. The timing of that memo that went out yesterday afternoon was very good in the sense that it allowed for the US Treasury to have a call yesterday that was very positive. What it was able to do was the US Treasury was able to put a large amount of liquidity into not only Tier 1 Banks but also Tier 2 Banks. It started last night at 11pm with Tier 2 Banks, and then at 2am this morning with Tier 1 Banks.  These were very large numbers of liquidity  to each of those banking institutions.

Bruce:   Tier 1 Banks-HSBC, Wells Fargo Bank, Chase Bank, Bank of America, and Citibank. Tier 2 Banks- Regions Bank, SunTrust Bank, etc. All the Tier 2 banks got started with a good chunk at 11pm last night, and then same thing happened at 2am this morning for the Tier 1 Banks. That liquidity is what they are calling it Standby Capital. That Standby Capital is going to be utilized by us when we go in for our redemptions.  It is amazing because that supposed to continue that daily, the infusion of capital into the banking system for the next 91 days. It is an amazing amount, and we need it. They need it.

Bruce:   Even though it is digital, it still backed by our gold back USTNs. It is really a good thing that we have. I understand that even the amount we got this morning and last night are doubled now and not only they are doubled, but they are happening  starting at 2:30am tomorrow, they are going to be doubled and going about every 13 hours. That is quadruple  of what we got today.  It is twice as fast every 13 hours instead of every 24 hours.

​Instead of 400 trillion it is 800 trillion for the Tier 1 banks. It is a huge amount. That liquidity goes on and on and on, and we need it.  It is cool because also the Redemption Centers are getting daily infusions of cash for us. That is continuing.  They are getting that to get ready for this. It is a very positive thing for us moving forward.

Bruce:  We have this amount of reserve capital or liquidity at the banks that is increasing daily as they are getting ready for us. We know of transactions that are happening real time today where a certain amount of liquidity  has been assessed by people who are doing exchanges and redemptions.  Not a whole lot. Just a little  bit what we call walk around money, but we know full access to one particular account I can think of will be granted on Tuesday.

​I don’t know if that is an indicator for us, but it could be an indicator.  Next Tuesday full access to 50% of the mother lode will be available. I am encouraged by that because it shows movement with money that is actually coming out. It shows when full liquidity will be available, blah, blah, and blah.
Bruce:  It is all good and we are moving forward. I can tell you we are definitely  moving forward.  Even though sometimes this is behind the scenes and not really be aware of it unless you are listening to the Big Call. I can tell you I get this kind of information every day. I just feel good where we are.  I really do. I heard things out west are moving forward. I don’t  think anyone has gotten liquidity  yet as far as that large amount yet. Maybe a little bit of walking around money.

​I believe they are about to be hydrated.  As I have said for months those groups even the core groups may not see liquidity until we see our toll free numbers released. It may be timed so that occurs so no one has unfair advantage of major liquidity until we all can go. The banks are excited because they are seeing the Treasury come forward with this  reserved capital, Standby Capital. Standby Capital is what they are calling it.

Bruce:  With that I am going to say that is about as close a picture as I can paint for you in terms of where we are and what is actually happening behind the scenes. Keep an eye on Iraq over the weekend.  What about Kavanough? Does the vote need to happen before we go?  I am have been  told no it doesn’t even though the vote suppose to take place maybe tomorrow night and might drag into Saturday. I don’t think it is not tied to this as far as we can see.  I don’t believe in consequences. We will see how that shakes out.

Bruce:  I am encouraged. I am excited. I feel good where we are. I hope you got a feeling of  that with the Intel segment. That is where we all are. Let’s keep that stance. Everybody thank you so much. I appreciate you. I appreciate you Sue, Pastor Steven, and Bob. What a great team to be associated with. Thank you Big Call listeners everywhere. Thank you, Pinkroses, for transcribing the call. Really appreciate that and it is wonderful you have done that for so long now. I appreciate that so much.  Thank you team and Thank you Big Call listeners. Good night Everybody. I hoped you enjoyed the call. God Bless you.


Restored Republic via a GCR: Update as of Oct. 5, 2018

Compiled 5 Oct. 12:01 am EST by Judy Byington

The below is a summary of information from the Internet. It would be up to the individual reader to do their own research and decide whether or not it is valid. Patience is a Virtue. Having Virtue is a sign of a good moral being. Good moral beings have the power to overcome evil and change the world.

Judy Note: Justice Kavanaugh’s confirmation as a Supreme Court Justice Oct. 5 would complete the US requirements for GESARA implementation, hopefully instigate 800#s release and the unsealing of over 55,000 indictments filed in federal courts across the country this year.

The transition from Cabal rule back to The People could go smoothly, though that was unlikely. Mass Arrests could lead to violence in the streets, followed by Martial Law to secure borders, ports, airports and public safety so suspected criminals couldn’t get away.

It has been recommended that while in Military Law to have the food and water you need for a few days, stay close to home and don’t go out after curfew without a military escort (which could be provided for currency exchange/redeem appointments).


Summary as of Early Morning Oct. 5 2018:

Dan: QAnon said we were in Red October; 800#s release this week; the nation’s top election machine maker admitted adding software that allowed outside access; Ford’s testimony against Kavanaugh was in question, with a predicted Kavanaugh for Supreme Court Justice vote and confirmation Friday Oct. 5. (Also on Friday Oct. 5 Zimbabwe would be announcing their financial reform package).

Intel Report: Trump's Presidential Alert test was actually a public display by the Alliance to discretely inform the public of what's to come. The Sting Operation was over and timing of the RV was no longer a security concern. Under GESARA law a SCOTUS confirmation vote was essential to timing of the RV. Mass Arrests and Military Tribunals would follow a Stock Market Collapse - required to activate the QFS and release the RV.

Bruce: Iraq would have their lower notes everywhere, not just at the banks by Sat. or Sun. Oct 6, 7. If so, they would be trading the Dinar on the Asian Market, ISX and NASDACK Sun. night Oct. 7 and Mon. Oct. 8. Today and yesterday pointed toward it happening this weekend and was really strong for next week. Transactions were happening today. Full access to one account would be granted on Tues. Oct. 9.

Summary of links: Q Drops; Mainstream Media Lies; Evil George Soros; Ford Mind Control, Kavanaugh Event and FBI Investigation Sting Operation; Sessions was in Utah to begin the process including declassification of over 55,000 federal indictments.


A. Oct. 4 2018 The Big Call, Bruce: Thebigcall.net: 712-770-4016 pin123456#

1. Iraq would have their lower notes everywhere, not just at the banks by Sat. or Sun. Oct 6, 7. If so, they would be trading the Dinar on the Asian Market, ISX and NASDAX Sun. night Oct. 7 and Mon. Oct. 8.

2. Today and yesterday pointed toward it happening this weekend, and really strong for next week.

3. Bruce believes the EBS test was the start of NESARA. We should get information from the President on that system, as well as on TWITTER.

4. We received an all clear for security from Homeland Security right after that test.

5. Yesterday Oct. 3 the US Treasury sent out large numbers of liquidity to Tier 1 and Tier 2 banks. More liquidity would be sent out on a regular basis. That standby capitol would be used by us during our exchanges.

6. Transactions were happening today in exchanges and redemptions.

7. Full access to one account would be granted on Tues. Oct. 9.

8. Things out West were moving forward. The groups won’t receive liquidity until we received the 800#s.


B. Oct. 4 2018 11:51 am EST Intel Alert: Operation Disclosure: GCR/RV Intel Alert for October 4, 2018 Operation Disclosure

(Disclaimer: The following is an overview of the current situation based on intelligence leaks received from several sources which may or may not accurate. Other confirmed sources may also be included in this overview.)

1. Trump's presidential alert test was far more than meets the eye. It was a public display by the Alliance and a way of discretely informing the public of the what's to come.

2. The sting operation involving the RV was over and the timing of the RV was no longer a security concern.

3. The SCOTUS confirmation vote was essential to the timing of the RV via negotiated terms under GESARA law.

4. Mass military tribunals followed by a stock market collapse was inevitable. It would be the "break in the system" required to activate the QFS and release the RV.

5. Switzerland is even publicly expressing their willingness to participate in the QFS. http://inteldinarchronicles.blogspot.com/2018/10/switzerland-would-join-alternative.html

6. As Q stated, be prepared, united we stand, strong together. This is Red October and the end of the Cabal.


C. Oct. 4 2018 GCR/RV Highlights, Dan: Dan's GCR/RV Highlights for October 3, 2018

1. Bruce: Everything is pointing toward a release that should be this week. You will have the opportunity to negotiate your rate of interest (on your structured payment). Even a small rate of 1-2% will yield tremendous amounts quarterly.

2. Nationwide Presidential Message System went off today, missing a bunch of iPhone users. No special messages were noted. https://www.foxnews.com/us/fema-tests-presidential-alert-to-225-million-electronic-devices

3. Nation’s top election machine maker admits adding software which allowed outside access to the system! https://motherboard.vice.com/en_us/article/mb4ezy/top-voting-machine-vendor-admits-it-installed-remote-access-software-on-systems-sold-to-states

4. Blasey-Ford’s testimony is falling apart. Sex Crime Prosecutor Mitchell gives Blasey-Ford's testimony a Fail. Other accusers’ testimonies likewise are no longer holding water. Kavanaugh and family have been run out of their home by Democrat criminals and vandals. FBI report predicted by Thurs. Oct. 4, a Senate vote on Fri. Oct. 5. https://twitter.com/Kevin_Shipp/status/1047333936102363136

5. Continue Reading:
Wednesday Noon 3 October 2018.pdf

QAnon Posts: https://qanon.pub/

Wednesday Evening 3 October 2018.pd



October Surprise: A Whole Month of Shock and Awe:


FBI investigation is not what you think. People will be shocked:


QAnon Oct. 2 Red October:


Watch Red October:



D. Oct. 4 2018 12:38 am EST X22 Report (video): (Video) X22 Report -- Episode 1680: The Beginning Indicator | Sting Operation Active

The plan is moving forward, use the manipulation used in the past to make the economy look incredible. US services economy was bouncing all over the place and a lot doesn't make sense. Hello Manipulation. The retail apocalypse was picking up speed, more stores are filing for bankruptcy. US households load up on stocks - a recipe for disaster. NYT used taxes to get at Trump and his family. Trump signaled the end of the Fed and the Deep State by not showing his taxes. In the end this would be reversed.

Trump would sit down with tech giants to discuss banning. Pompeo would visit with NK leaders again. The US decided to break the 1955 treaty with Iran. Syria was protected with the S-300 missile system. The Presidential Alert message was sent out. Q drops more bread - having to do with how Ford was conditioned, who coached her and how they created the issue. The Kavanaugh Event might have been used as a Sting Operation. Sessions was in Utah beginning the process. The plan to declassify was now active.
E. Oct. 3 2018 11:46 pm EST Russia Probe a Setup, Pentagon Whistleblower: Pentagon Whistleblower: Russia Probe was 'All a Set-Up'


F. Oct. 4 2018 1:03 am EST Mainstream Media Lies, Deep State: The Mainstream Media Lies -- The Media is the Deep State's Most Valuable Tool


G. Oct. 4 2018 12:07 am EST Soros: the Most Evil Human on Earth: George Soros, the Most Evil Human on Earth

1. Soros controls Obama, along with many members of Congress, and their every move in manipulating the world and nation.

2. Controlled Obama's reluctance to accept help on the oil spill. You wonder if the spill is part of the plan to destroy the US ? "In history, nothing happens by accident. If it happened, you can bet someone planned it." ~ Franklin Delano Roosevelt

3. George Soros brought the market down in 2 days.

4. George Soros is an evil man. He's anti-God, anti-family, anti-American, and anti-good." He killed and robbed his own Jewish people. What we have in Soros, is a multi-billionaire atheist, with skewed moral values, and a sociopath's lack of conscience. He considers himself to be an elitist world class philosopher, despises the American way, and just loves to do social engineering and change cultures.

5. When Hitler's henchman, Adolf Eichmann arrived in Hungary , to oversee the murder of that country's Jews, George Soros ended up with a man whose job was confiscating property from the Jewish population. Soros went with him on his rounds.

6. Soros has repeatedly called 1944 "the best year of his life." 70% of Mr. Soros's fellow Jews in Hungary, nearly a half-million human beings were annihilated in that year, yet he gives no sign that this put any damper on his elation, either at the time or indeed in retrospect."

7. In an article Kyle-Anne Shiver wrote for "The American Thinker" she says, "Soros made his first billion in 1992 by shorting the British pound with leveraged billions in financial bets, and became known as the man who broke the Bank of England . He broke it on the backs of hard-working British citizens who immediately saw their homes severely devalued and their life savings cut drastically, almost overnight."
8. In 1994 Soros crowed in "The New Republic ," that "the former Soviet Empire is now called the Soros Empire." The Russia-gate scandal in 1999, which almost collapsed the Russian economy, was labeled by Rep. Jim Leach, then head of the House Banking Committee, to be "one of the greatest social robberies in human history. "The "Soros Empire" indeed.

9. In 1997 Soros almost destroyed the economies of Thailand and Malaysia . At the time, Malaysia 's Prime Minister, Mahathir Mohammad, called Soros "a villain, and a moron." Thai activist Weng Tojirakarn said, "We regard George Soros as a kind of Dracula. He sucks the blood from the people."

10. The website Greek National Pride reports, "Soros was part of the full court press that dismantled Yugoslavia and caused trouble in Georgia , Ukraine and Myanmar [ Burma ]. Calling himself a philanthropist, Soros' role is to tighten the ideological stranglehold of globalization and the New World Order while promoting his own financial gain. He is without conscience; a capitalist who functions with absolute amorality."

11. France has upheld an earlier conviction against Soros, for felony insider trading. Soros was fined 2.9 million dollars. Recently, his native Hungary fined Soros 2.2 million dollars for "illegal market manipulation." Elizabeth Crum writes that the Hungarian economy has been in a state of transition as the country seeks to become more financially stable and westernized.

12. Soros deliberately driving down the share price of its largest bank put Hungary's economy into a wicked tailspin, one from which it is still trying to recover.

13. Obama promised 10 billion of our tax dollars to Brazil, in order to give them a leg-up in expanding their offshore oil fields. Obama's largesse towards Brazil came shortly after his political financial backer, George Soros, invested heavily in Brazilian oil (Petrobras).

14. SorosWatch.com mission: "This blog is dedicated to all who have suffered due to the ruthless financial pursuits of George Soros. Your stories are many and varied, but the theme is the same: the destructive power of greed without conscience. We pledge to tirelessly watch Soros wherever he goes and to print the truth in the hope that he will one day be made to stop preying upon the world's poor, that justice will be served."

15. Soros has been actively working to destroy America from the inside out for some years now. News sources reported that "Soros [is] an extremist who wants open borders, a one-world foreign policy, legalized drugs, euthanasia, and on and on. This is off-the-chart dangerous. In 1997 Rachel Ehrenfeld wrote, "Soros uses his philanthropy to change or more accurately deconstruct the moral values and attitudes of the Western world, and particularly of the American people". His "open society" is not about freedom; it is about license. His vision rejects the notion of ordered liberty, in favor of a PROGRESSIVE ideology of rights and entitlements.

16. Perhaps the most important of these "whistle blowers" are David Horowitz and Richard Poe. Their book, "The Shadow Party", outlines in detail how Soros hijacked the Democratic Party, and now owns it lock, stock, and barrel. Soros has been packing the Democratic Party with radicals, and ousting moderate Democrats for years. The Shadow Party became the Shadow Government, which became the Obama Administration

17. Networks.org: "By his [Soros'] own admission, he helped engineer coups in Slovakia, Croatia, Georgia, and Yugoslavia. When Soros targets a country for "regime change," he begins by creating a shadow government, a fully formed government-in-exile, ready to assume power when the opportunity arises. The Shadow Party he has built in America greatly resembles those he has created in other countries prior to instigating a coup."

18. Soros is a partner in the Carlyle Group where he has invested more than 100 million dollars. According to an article by "The Baltimore Chronicle's" Alice Cherbonnier, the Carlyle Group is run by "a veritable who's who of former Republican leaders," from CIA man, Frank Carlucci, to CIA head and ex-President George Bush, Sr

19. In late 2006, Soros bought about 2 million shares of Halliburton, Dick Cheney's old stomping grounds. When the Democrats and Republicans held their conventions in 2000, Soros held Shadow Party conventions in the same cities, at the same time. In 2008, Soros donated $5,000,000,000 (that's Five Billion) to the Democratic National Committee, DNC, to insure Obama's win and wins for many other Alinsky trained Radical Rules Anti-American Socialist. George has been contributing a billion plus to the DNC since Clinton came on the scene.
20. Soros has dirtied both sides of the aisle, trust me. And if that weren't bad enough, he has long held connections with the CIA. And I mustn't forget to mention Soros' involvement with the MSM (Main Stream Media), the entertainment industry (e.g. he owns 2.6 million shares of Time Warner), and the various political advertising organizations he funnels millions to. In short, George Soros controls or influences most of the MSM. Little wonder they ignore the TEA PARTY, - Soros' NEMESIS. As Matthew Vadum writes, "The liberal billionaire-turned-philanthrop ist has been buying up media properties for years in order to drive home his message to the American public that they are too materialistic, too wasteful, too selfish, and too stupid to decide for themselves how to run their own lives."

21. Richard Poe writes, "Soros' private philanthropy, totaling nearly $5 billion, continues undermining America 's traditional Western values. His giving has provided funding of abortion rights, atheism, drug legalization, sex education, euthanasia, feminism, gun control, globalization, mass immigration, gay marriage and other radical experiments in social engineering."

22. Some of the many NGOs (Non-Government Organizations) that Soros funds with his billions are: MoveOn.org, the Apollo Alliance, Media Matters for America, the Tides Foundation, the ACLU, ACORN, PDIA (Project on Death In America), La Raza, and many more. For a more complete list, with brief descriptions of the NGOs, go to DiscoverTheNetworks.org.

23. Poe continues, "Through his global web of Open Society Institutes and Open Society Foundations, Soros has spent 25 years recruiting, training, indoctrinating and installing a network of loyal operatives in 50 countries, placing them in positions of influence and power in media, government, finance and academia."

24. Without Soros' money, would the Saul Alinsky's Chicago machine still be rolling? Would SEIU, ACORN, and La Raza still be pursuing their nefarious activities? Would big money and lobbyists still be corrupting government? Would our college campuses still be retirement homes for 1960s radicals? America stands at the brink of an abyss, and that fact is directly attributable to Soros. Soros has vigorously, cleverly, and insidiously planned the ruination of America and his puppet, Barack Obama is leading the way.

25. Judy Note: According to Kevin Annette, the ITCCS and International Common Law Court of Justice in Brussels, George Soros was a leader and main financial contributor to the Vatican’s Ninth Circle Satanic Cult, their International Child Trafficking Ring and for years has organized and participated in Satanic Child sacrifice rites in Europe, Australia, the US and Canada. http://beforeitsnews.com/contributor/pages/243/590/stories.html


H. Oct. 4 2018 Trump to Enact Martial Law to arrest Deep State Traitors including Obama and Clinton, Zublick: https://www.youtube.com/watch?v=w1jqvhpxHng

President Trump was about to enact Martial Law throughout the United States, which would temporarily limit the freedoms of citizens and have severe repercussions for violators. The purpose was to arrest Deep State traitors using sealed indictments and to set up Military Tribunals - just as was done during World War Two.

This included Deep State actors with names as common as Clapper, Mueller, Brennan, Obama, and Clinton - to finally bring them to justice.

Was Trump finally about to drain the Swamp? David Zublick unseals the horrible truth in Part One of this two part Special Report.

Part Two: https://vimeo.com/channels/davidzublickhttps://www.bitchute.com/channel/davi...https://www.real.video/channel/aameri...