KTFA Monday Night CC 11-30-15: Notes by Aggiedad77 Part 1

KTFA:

Aggiedad77:  Well finally got the notes from last night finished.....that darn snow just won't stop.....just in time to get ready for a great Bible Study tonight, hope to see you there.

Remember GLOBAL is the word Family.  Aloha  Randy

*** The comments made by Frank26, Delta and others are their sole OPINIONS and cannot and should not be used as any form of financial, tax, banking or investment advice! We offer NO DATE, NO RATE on this forum!!! ***

CC Notes from 11-30-2015

Frank26:  This is the conference call that I’ve been wanting to give you….this is the conference call you’ve been wanting to hear…..please enjoy….for there will only be……12…..left.
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WSJ…..Chinese Yuan New Status to Pressure Beijing…..yeah, why…..you have seen what we’ve introduced to you this week. You come to our forum but you don’t post…..but you say “I’m too busy Frank”….”I’m at work Frank”….but that tells me what we do is worth it.

Delta came in and made a post but I took it down…..none of you saw it…..I’ve kept it…..actually we’ve had it and you thought it was time….but I’m being sensitive about my teams…..they work so hard then on Monday’s we give to you and then we see it every where….basically stealing, copy and paste from all others to make themselves what they are…..I’ve even made a compliment to one of them a few weeks ago but nothing in return….nothing….just pray for them.

As far as our currencies that we sell, come to our landing page, KTFAlways.com and scroll to the bottom of the page and see our photo link there, use that to see all the currencies that we do sell.

That post that Delta put up was pretty cool, but I took it down. See we know the UN…..our teams know what the UN is doing…the internet doesn’t….no one else knows. We put up this information from the UN exchange rate chart…..we wanted you to notice the Operational Rate were put up….Iraq and other currencies….

I only sell certain currencies…..and it turns out what we gave you….and the internet copy and pasted….they didn’t know what they had….the last time the UN Operational Rate chart was in 2010 when they posted the rate as 1170….now the rate is 1166…..we told you to look….many of you looked and said WOW…..but why does it say 1170…..it hasn’t said anything since 2010……

It was our way of telling you that the Monetary Reform is poised for 2016….but oh is it ever ready for 2015. Frank said that last week and the week before….yes….but it actually means much more today….well tomorrow on 12/1.

So China gets invited into this picnic basket right Yogi….yes Booboo…..many of these countries have not eaten for years….many of these countries were our enemies…..they have long been our enemy….but today we have a common foe….terrorism…..

It is a different kind of enemy….it follows no borders…..it is like a thousand mouse traps in a room….if one trap goes off, there is chaos in that room with all the other traps……this terrorism is not organized…..if you see an ISIS leader doing something the next thing you know there is abounding chaos….they lose control of their soldiers and of their mission….and no one wants that kind of chaos in their country.

Have you ever seen the cartoon character known as the Tasmanian Devil? He moves in a whirlwind all over and at random, destroying all kinds of things…..these terrorists are like this…..you can’t fight something like this, it is almost impossible to fight…..it’s like a 350 pound linebacker without a shirt at a picnic….the mosquitos will be all over him….not even OFF will help him.

There is much pressure from the bad guys to the whole world and the good guys…..well many of the good guys got together with some of the bad guys to develop a strategy….deals were made with former enemies…..using a combination lock to lock away our issues and secrets.

Terrorism united us, but we need to start making money…..so it also took the world economy to get these players together….it’s not about countries who are about to implode…..it is the planet earth……that is why IMO these are the end times….they are about to be funded for a specific purpose.

WSJ…..Global Finance Section…..remember that word “GLOBAL”…..remember “Chinese Yuan New Status to Pressure Beijing”……yeah because it has joined a basket that has a big responsibility to many other currencies in that basket….we’ve been telling you to help these other currencies….but no…..we’ve told you to help the Dong….but no…..well now that you are in our basket you need to do better….are you in the basket China….Yes we are in your basket, we’ve told our people to go ahead and have 2 children so we might double the population….from 4 billion to 8 billion….but guess what….in our basket you follow our rules….oh yeah….we forgot……

You’ve joined the big boys…..we got rid of the mosquitos….the mouse that ran up the elephants nose…they are gone…but you with your population and currency…..you have to obey our rules…..in the meanwhile in the same article….it says….groups promote trading of China currency in the United States…..wow…..the more we buy and use it the more it will improve the Chinese Yuan…..we started selling it 2 years ago.

The South Korean Won is very powerful…..this is the conference call I’ve been wanting to give you…..this is the conference call you’ve wanted to hear.

Look at all this currency in the basket with the Iraqi Dinar and the USD…..but you keep calling me trying to tell me the Dong is in there too….no it’s not….why do you not listen….why waste my time.

End times….end times….Frank are you saying that…..yes are you deaf. Look WSJ today says get ready…..all we will do soon is swipe a card….it is just the beginning…..from 2016 onward….watch out…you may soon have a number on your wrist….wherever you are exposed…..look for that number.

You know Islamic fighters are defeating this enemy….because we have gotten together…because of the deals struck, the byproducts, dividends that these countries are now going to possess. There is more to the numbers from the UN….you know why those numbers are there….I’ll tell you more later.

Islamic fighters are being defeated left and right….WSJ Islamic faith tightens grip on base…..but all that I’m showing you, even today’s news is all old…..these cowards are now trying to target refugees who have no weapons….who gather to be helped…..ISIS and DAASH have no conscious…..yes they are being destroyed…..but this is old news….that is why tonight you will hear a conference call you’ve wanted.

Japan looks for a silver lining….they got one….they are in that first basket…..next page says….rates….many countries are pulling themselves together and be a part of a basket of currencies that will be explosive with their economic reform because they contributed to getting rid of this type of mental disturbance around the world. But normally this would not have worked without a common enemy….it also has given us many common byproducts that in time we can talk about.

Let me prove my point…..news article…..US Senator are calling for over 20,000 troops in Syria and Iraq…..there are over 40,000 troops in Iraq and over the ME…..but we’ve said we don’t have anyone over there…but we do….we lost a Special Ops who was killed over there….but we have no one over there…..I respect the office of the President….but this man….no, sorry I cannot.

Do you realize that our President and his government want to pass laws that will give them the power to tell us as citizens what we can do on the Internet…..this type of conference call…..forget about it….that is so personal and none of his business….be aware and you are about the be blessed with finances that can give you knowledge and power…..Be aware our government will tear you apart…they will audit you….they will make your life miserable….but that is none of our business.

So we put out this information and the Internet catches onto it and finds it interesting…..before we walk into that subject deeper…..last week I told you there would be nothing….and we told you why….and when they would come back….the why was mainly in respect to us….we work with them hand in hand….there was nothing during our holiday period…..we brought out something new….the UN Operational Rates……what does the UN Operational Rate have to do with the MR.

The next thing you will see is Dr. Shabibi taking control of the CBI…..he’s already started by telling Allak to stop talking about the 50k’s…..Allak is just a temporary servant for Dr. Shabibi…..then today you see an article from WalkingStick that tells you….the governor of the CBI has been successful with what he’s done with the dinar…..the article says…..”On the Road to Reform”….there was a number 4 next to that….it is significant…..will say more on this maybe later this week….this was Dr. Shabibi talking….that was number 4.

What was 1….the laws…what was number 2….the LD’s…..what was number 3…..Dr. Shabibi announcing himself…..we gave you two examples of it last Monday and this Monday…..what was number 4…..we actually gave that to you last Monday but the Internet did not have an understanding of what we said….they merely repeated what we said maybe tweaking it.

On the Road to Reform “4”…..Central Bank reviewed the solution…..Central Bank headed by Dr. Shabibi has succeeded in strengthening the confidence of the IQD….he has done this over the last 2 years…..and these types of reforms which are under the Marshall Plan….and when you look at the Iraqi government commissioning DeLaRue to print their currency in 2004….look out ten years….2014….but here we are 2 years beyond that….but we were set back 2 years when Obama pulled us out of Iraq.

I really think that Dr. Shabibi has announced himself and also announced that he is going to float the currency in December. Well thank you for that…..today’s article telling you that the governor of the CBI Dr. Shabibi is no coincidence….it is the plan….remember that old timers…this is Dr. Shabibi’s plan….his Monetary Reform steps.

My teams want you to know that you are studying the MR….we are not….we are beyond the MR…..the MR includes the redenomination from a long time ago…the reinstatement of the currency that is what they are finishing up…and you know it has nothing to do with a rate….and then the next step is the revaluation which adds value to it…then removes Article 8 and enters the GLOBAL world market of trading….you think they will trade oil….no…..they will trade currency…..because this is their power…..we will all peg to the dinar….the deal that many made.

My teams want you to know that our study is not the MR…but the next steps….IOO (In Our Opinion) ….we are with the citizens….the next step will give the citizens a rate and the LD’s…..I love how the whole Internet is saying smaller LD’s with regard to the higher LD’s….sorry.

So many of the other forums simply just copy and paste….today we are with the citizens…..what we study we will not share tonight. We are with the citizens because that is the crucial thing to understand the next step of the reform…..we seek the reinstatement of this currency for the citizens in December and we told you we believe it to be around December 15….that process will start the change of the program rate of the IQD…

This is what I call the new math…..because there will be a new currency….the LD’s…..they tried so many other things…..ki cards, new accounts….so many things…..but the citizens kept their 000’s…..but you guys can’t keep them…that is only for those outside this country……well….you guys want gold….oh that is tempting….yes…but no….how about domestic bonds…..no…..there is only one thing left…..raise the value…..how about 50k’s….no that is stupid…..Dr. Shabibi what will it take…..give them the LD’s and raise the value…..here ye….here ye…..Iraqi citizens we will float your currency in December an introduce it to a GLOBAL standard of trading because our inflation is low and we are ready to give you the LD’s….so did this really happen….yes.

They are so poised for 2016….but they are so ready for 2015….that is why Delta did……I texted him Delta do you know that next year you will be…..he texted back….no next month Frank.

What is wrong with the USD…..we have high unemployment….we have no leadership…..for 8 years Obama has had to hide in the White House….ok he went to the Asian theater often….but don’t go in the direction of the ME….you can be President…knock yourself out…..we will make you look good.

Don’t forget the deal….Clinton….not Hillary….Clinton….leave the cigars alone….tell him what is up….he knows Frank…..everything sucks for America….but yet our dollar closes over 1.00 today…..one of our friends paid 79 cents today for gasoline….it turns out the dollar is artificially high and the price of oil is artificially low for a reason….it is that time of the season.

You ever watch the Marvel comics….Captain America that reminds me of what the USD is today….yet it stands on a landfill in America.

Link to Part 2

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Bits and Pieces in Dinarland Late Tuesday Afternoon 12-1-15

TNT:

DavidM:  MY TNT FRIENDS … THERE COMES A TIME IN EVERYONE’S LIFE, WHERE WE FIND OURSELVES AT A CROSSROAD…. ONE WAY LOOKING BEHIND AND THE OTHER LOOKING FORWARD.

HAVE ALWAYS THE COURAGE TO FIX YOUR EYES *FORWARD*. IT IS IN THAT PATH, WHERE GROWTH AND BECOMING SOMETHING MORE OF WHAT YOU WERE YESTERDAY, CAN BE FOUND.

COME ALONG, JOIN ME IN ALL THINGS *FORWARD ~DAVIDM~

Daz:  RELAX...WE'RE IN THE SAME PLACE WE WERE...WE'RE PARTICIPATING IN THE GRANDEST FINANCIAL TRANSACTION IN THE HISTORY OF MANKIND..HANG IN THERE
....

Four2atous:  China finds out being the "BIG DOG" has some drawbacks= Chin​ese banks miss out on the party as Asian M&As pass $1 trillion mark Re​ad more at Reuters 

http://ift.tt/1Rkikzg

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DrG8400:  This is where we find ourselves at this point.  Notice what happens to the Narrator at the end of this poem............

The Road Not Taken BY ROBERT FROST

Two roads diverged in a yellow wood,
And sorry I could not travel both
And be one traveler, long I stood
And looked down one as far as I could
To where it bent in the undergrowth;
 
Then took the other, as just as fair,
And having perhaps the better claim,
Because it was grassy and wanted wear;
Though as for that the passing there
Had worn them really about the same,
 
And both that morning equally lay
In leaves no step had trodden black.
Oh, I kept the first for another day!
Yet knowing how way leads on to way,
I doubted if I should ever come back.
 
I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I—
I took the one less traveled by,
And that has made all the difference.
 
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Stage3Alpha:

KT:  All Mis-Information Is So The United States Can Be By-Passed,   And That's Just How It IS

EXOGEN:  KT- THE POWER HAS SHIFTED FROM THE WEST TO THE EAST!!!!
AND HONOR, LOYALTY, & INTEGRITY WILL BE RESTORED SOON.  THIS IS ALL PLANNED & DESIGNED & 100% ON SCHEDULE

NOTE: THE KHAZARIAN CABAL IS 100% REAL

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ElleR:  Official holiday   

Mr. Prime Minister of Iraq face to disrupt the official working hours on Thursday 12/3 zero, corresponding to 20 in all provinces except the provinces of Karbala, Najaf and Babil Vtkon holiday on Wednesday and Thursday 2 and 3/12

http://ift.tt/1XEPJ7h

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ElleR:  Recovery of 36 billion dinars in favor of the central bank of the private banks

12/1/2015 0 Comments

​It announced the judiciary, Tuesday, for the recovery of 36 billion dinars in favor of the central bank of the private banks. A statement by the judiciary received / scales News / copy of it, that "the head of the Supreme Judicial Council Judge Medhat al-Mahmoud on Tuesday visited the headquarters of the Court of Appeals of the Federal Rusafa on the head of a high judicial delegation that included, the chief prosecutor and head of the judicial oversight body and the supervisor device on the Media Center Authority judicial and general manager of the judicial affairs department and judicial guards. "

He met with Mahmoud According to the statement "the judges of the Presidency of the resumption of the Rusafa court in separate meetings, and listened to the course of judicial work and administrative system where, and recommended quickly resolve claims and overcome the obstacles due to lack of cooperation of some of the relevant authorities, and he stopped on the necessity of solving the problem of similarity of names in warrants old, especially of them, it has been developed solutions to treatment. "

And a look at "percentages completion of specialized issues of integrity, money laundering and economic crime courts, where was left in front of the Criminal Court of integrity only 35 suit under plead 0.20 adversarial suit them, while 33 trial is being conducted in absentia."

The statement said that "the Court of Misdemeanors Integrity completed since the beginning of this year 585 issue, also contributed to the recovery of amounts 36 billion dinars back to the Central Bank of Iraq under the protection of private banks as well as The delay benefits."

He pointed out that "economic crime court in 2500 contributed to the recovery of relics from Jordan, and 77 pieces of the Netherlands, and 78 relics from different countries."

"The Al Mahmoud met with lawyers in their headquarters - in the judiciary Palace in Rusafa and listened to their demands and stressed the implementation and the need for cooperation of judges with lawyers" .anthy 29/4 e SOURCE

KTFA:

JDTolle:  The Gift of Forgiveness – Christmas Story

The Christmas of 1949 we didn’t have a tree. My dad had as much pride as anybody, I suppose, so he wouldn’t just say that we couldn’t afford one.

When I mentioned it, my mother said that we weren’t going to have one this year, that we couldn’t afford one, and even if we could – it was stupid to clutter up your house with a dead tree.

I wanted a tree badly though, and I thought – in my naive way – that if we had one, everybody would feel better.

About three days before Christmas, I was out collecting for my paper route. It was fairly late – long after dark – it was snowing and very cold.

I went to the apartment building to try to catch a customer who hadn’t paid me for nearly two months – she owed me seven dollars.

Much to my surprise, she was home. She invited me in and not only did she pay me, she gave me a dollar tip! It was a windfall for me – I now had eight whole dollars.

What happened next was totally unplanned. On the way home, I walked past a Christmas tree lot and the idea hit me.

The selection wasn’t very good because it was so close to the holiday, but there was this one real nice tree. It had been a very expensive tree and no one had bought it; now it was so close to Christmas that the man was afraid no one would.

He wanted ten dollars for it, but when I – in my gullible innocence – told him I only had eight, he said he might sell it for that.

I really didn’t want to spend the whole eight dollars on the tree, but it was so pretty that I finally agreed.

I dragged it all the way home – about a mile, I think – and I tried hard not to damage it or break off any limbs.

The snow helped to cushion it, and it was still in pretty good shape when I got home.

You can’t imagine how proud and excited I was. I propped it up against the railing on our front porch and went in.

My heart was bursting as I announced that I had a surprise.

I got Mom and Dad to come to the front door and then I switched on the porch light.

“Where did you get that tree?” my mother exclaimed.

But it wasn’t the kind of exclamation that indicates pleasure.

“I bought it up on Main Street. Isn’t it just the most perfect tree you ever saw?” I said, trying to maintain my enthusiasm.

“Where did you get the money?” Her tone was accusing and it began to dawn on me that this wasn’t going to turn out as I had planned.

“From my paper route.” I explained about the customer who had paid me.

“And you spent the whole eight dollars on this tree?” she exclaimed.

She went into a tirade about how stupid it was to spend my money on a dumb tree that would be thrown out and burned in a few days.

She told me how irresponsible I was and how I was just like my dad with all those foolish, romantic, noble notions about fairy tales and happy endings and that it was about time I grew up and learned some sense about the realities of life and how to take care of money and spend it on things that were needed and not on silly things.

She said that I was going to end up in the poorhouse because I believe in stupid things like Christmas trees, things that didn’t amount to anything.

I just stood there. My mother had never talked to me like that before and I couldn’t believe what I was hearing.

I felt awful and I began to cry. Finally, she reached out and snapped off the porch light.

“Leave it there,” she said. “Leave that tree there till it rots, so every time we see it, we’ll all be reminded of how stupid the men in this family are.”

Then she stormed up the stairs to her bedroom and we didn’t see her until the next day.

Dad and I brought the tree in and we made a stand for it.

He got out the box of ornaments and we decorated it as best as we could; but men aren’t too good at things like that, and besides, it wasn’t the same without mom.

There were a few presents under it by Christmas day – although I can’t remember a single one of them – but Mom wouldn’t have anything to do with it.

It was the worst Christmas I ever had.

Fast forward to today, Judi and I married in August of 1963, and dad died on October 10 of that year. Over the next eight years, we lived in many places. Mom sort of divided up the year – either living with my sister Jary or with us.

In 1971 we were living in Wichita, Kansas – Lincoln was about seven, Brendan was three and Kristen was a baby. Mom was staying with us during the holidays. On Christmas Eve I stayed up very late. I was totally alone with my thoughts, alternating between joy and melancholy, and I got to thinking about my paper route, that tree, what my mother had said to me and how Dad had tried to make things better.

I heard a noise in the kitchen and discovered that it was mom. She couldn’t sleep either and had gotten up to make herself a cup of hot tea – which was her remedy for just about everything. As she waited for the water to boil, she walked into the living room and discovered me there. She saw my open Bible and asked me what I was reading. When I told her, she asked if I would read it to her and I did.

When the kettle began to whistle, she went and made her tea. She came back, and we started to visit. I told her how happy I was that she was with us for Christmas and how I wished that Dad could have lived to see his grandchildren and to enjoy this time because he always loved Christmas so. It got very quiet for a moment and then she said, “Do you remember that time on Twelve Mile Road when you bought that tree with your paper route money?”

“Yes,” I said, “I’ve just been thinking about it you know.”

She hesitated for a long moment, as though she were on the verge of something that was bottled up so deeply inside her soul that it might take surgery to get it out. Finally, great tears started down her face and she cried, “Oh, son, please forgive me.”

“That time and that Christmas have been a burden on my heart for twenty-five years. I wish your dad were here so I could tell him how sorry I am for what I said. Your dad was a good man and it hurts me to know that he went to his grave without ever hearing me say that I was sorry for that night. Nothing will ever make what I said right, but you need to know that your dad never did have any money sense (which was all too true).

We were fighting all the time – though not in front of you – we were two months behind in our house payments, we had no money for groceries, your dad was talking about going back to Arkansas and that tree was the last straw. I took it all out on you. It doesn’t make what I did right, but I hoped that someday, when you were older, you would understand. I’ve wanted to say something for ever so long and I’m so glad it’s finally out.”

Well, we both cried a little and held each other and I forgave her – it wasn’t hard, you know.

Then we talked for a long time, and I did understand; I saw what I had never seen and the bitterness and sadness that had gathered up in me for all those years gradually washed away.

It was marvelously simple.

The great gifts of this season – or any season – can’t be put under the tree; you can’t wear them or eat them or drive them or play with them. We spend so much time on the lesser gifts – toys, sweaters, jewelry, the mint, anise and dill of Christmas – and so little on the great gifts – understanding, grace, peace and forgiveness. It’s no wonder that the holiday leaves us empty, because when it’s over, the only reminders we have are the dirty dishes and the January bills.

By John William Smith – from “Hugs for the Holidays.”

Wishing all a safe, warm and blessed day   JDT

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"Private Banking Vs. Wealth Management: Not Quite the Same" Posted by Diamond56 at TNT

TNT:

Diamond56: Private Banking Vs. Wealth Management: Not quite the same.

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

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

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

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

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

PRIVATE BANKING

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

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

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

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

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

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

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

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

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

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

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

Wealth Management

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

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

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

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

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

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

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

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

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

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

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

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Randy Koonce Update 12-1-15

Post From Currency Chatter 12-1-15
​Randy Koonce Update

How are you makin it.  I am adding a date to archive.. Tuesday, December 1, 2015
 
First Off I won the Nigerian Lottery so I am set as it is.......Man it is great to win multiple times in a row.
 
Ok I am sending a note out to give everyone an idea of the place they are in. There is a little window that is open between now and Christmas, I know everyone wants to have a back door but there is no such thing, can anyone say why, well because this is just an RV that is controlled by Iraq and Iraq alone...... and Iraq is controlled by Obama....
 
There is no Global reset that we are waiting on we are not waiting on China or any other country Just on Iraq to RV their currency....China becoming a reserve currency has ZERO to do with the RV...
 ~~~

So the next question I always get asked is how can 1 man control the whole process.... the reason is you have been misled into thinking that this RV is controlled by someone other than Iraq... But ask yourself this is they were controlled by other countries this would have happened already....Because of the pressure they are putting on Iraq to let this go.....
 
I will talk about the 2 monkeys in the room.... the 50K and the 100K notes First off there is no new Bills anywhere..... the article about the big bills is 6 to 7 years old and resurface ever so often
 
Since I have been in the dinar I have seen the articles at least 4 times....... Please keep in mind ALL BILLS have been printed since 2004 there is no new currency..... When articles mention NEW currency it is the low bills and that is all..... on the large notes I have contacts in local banks in Baghdad and they did not receive any large notes... Again it is a misleading article....
 
If you want to try and follow anything in the paper there is only 2 things that matter and that is the tariffs and the payment of Salaries  - theses things have never happened......
 
 Iraq was going to start tariffs on August 1st and per say they did ... then they should have needed the RV well they circumvented the tariff law by just not collecting them.....
 
Before they collect the tariffs they need the RV before they pay the Salaries they need the RV before they Pay any country with other than oil that they already have dedicated they need the RV.... Kurds have not been paid....
 
I do not post unless there is a chance for it to happen... and we are in a window until Christmas....
 
Please ask yourself since the last time I posted how many times have you been on a mountain, to this is never going to happen..... Quit listening to everybody who believes they know exactly on what is going on.... Obama will run out of Money and need this and I believe that he is a narcissistic person and will not let anyone but him to do this.. and take credit for it.... after 7 years from the author he will try and find a way....
 
I get asked more times a day on wanting any bit of intel that I have so that you can hold on to hope because you are running out of faith......Just remember it is not a matter of If just a matter of when....... Political forces play with this...All things will come to a head.
 
 Info does not come out on demand... if someone tells you there is an IN Country RV they are Lying, if anyone says they have Cashed in, in Baghdad Banks they are Lying,
 
If someone Tells you that the Government will not let you cash in here in the states they are Lying... This is an RV and when it happens go to chi.iq and the rate on the Website will be something other than 1166. UNTIL that number changes it has not RV’d.....
 
One more thing is anyone says it is not happening until 2016 or 2017 they are lying because this is set to go at any time, but the political figures involved IRAQ and Obama have to say go......... the other beauty is Obama only have one more year.... the closer to the election the less and less power he will hold over it....
 
Quit being scared this is never going to happen it will....Take the attitude that if it takes another 3 years you will just relax and let this happen.........Just breathe....
 
The Lord is in control this will happen in His timing even tho people in control of it do not believe that... 

 
So to recap we are in a window until Christmas after it is a little less until the 1st after the 1st if we get there I believe Iraq will just about explode to get this done as soon as they can....
 
If we get to Middle of Jan there will be more info come out, then we can look at it then.... Lets just believe that we will be done by Christmas.
 
On the Rate it will come out 1 to 1 Obama would not sign off on their budget rate... creating a provisional budget for Iraq....at the dollar rate... 120 to 160 days after the rate will RV again.... to the 3 dollar rate......
 
the reason for this is to get all the people out that have 1mill or less to dump there dinar at a low rate.... thus preventing a wealthy class.. so do what you want but hang on and let the Lord guide you on how you exchange and how much.....
 
We are close.. Every large bank will exchange.. RELAX the RV is coming...   Breathe,,,
 
Check www.cbi.iq every day to see if it has changed... do not take a guru or a post about in country RV or anything else do not be fooled just check the CBI
 
Do not let your emotions get to you.
 
BREATHE BREATHE......... Yes I will do a meeting after the RV...... do not worry I will send out email.....

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​The Iraqi Dinar Exchange Rate Options

​The Iraqi Dinar Exchange Rate Options
December 1, 2015 in the media center, articles comments on the Iraqi dinar exchange rate options closed
 
In light of the suffocating financial distress taking place in the Iraqi economy because of the large decline in oil prices, and experts concerned to discuss the most appropriate option to determine the dinar exchange rate.
 
The Iraqi parliament discussed before the possibility of lowering the dinar-dollar exchange rate by 10 percent to 1300 dinars to provide the general budget of 5 trillion dinars ($ 4.2 billion), or down 20 percent to 1400 dinars to provide nine trillion dinars.
 
There is no doubt that reducing the rate of the dinar was any additional resources will provide the public budget because it will increase the amount of the Iraqi dinar, which you get by the Ministry of money in exchange for the replacement of its revenue from oil or foreign loans in dollars with the Central Bank.

 But artificial way to increase government resources at the expense of citizens. Valmtdharr is normal especially those with limited income citizens will drop as the purchasing power of their incomes, especially prices of imported goods, as creditors will be affected in the local currency, including the Iraqi government bondholders at home.

Almost adoption of Iraq entirely on oil revenues and the weakness of other resources as commodities and services, excluding oil, or the existence of financial investments abroad or large foreign reserves, and the high cost of external borrowing, are all indicators to a lack of available to address the problem of the current lack of government resources from foreign exchange options.

This makes cut spending on the one hand and try to increase some direct taxes and fees types and the issuance of treasury bonds in the local market solutions are inevitable.

Anyone who has followed the march of the Iraqi dinar exchange rate when it was equal to $ 3.3 for before the start of the Iraq war - Iran until it reached 3000 dinars to the dollar, during the recent years of economic blockade, ie, from 1990 to 2003, he realizes that the problem simply lies in the difference between the width dollar demand the one hand, and between the supply and demand for the dinar on the other hand.
 
 It is a simple equation of price control not only the currency, but all kinds of goods and services. So if it is difficult to state control to one end of the equation have to control the second party to ensure that the incomes of the exchange rate in chaos.

When it was Iraq's resources from limited oil by the First Amendment of oil prices in 1973, he hired the law of the currency, which is a remnant of the gold standard, and is supposed to cover 70 percent of exporting gold and foreign currencies, currency, to control the amount of display dinar through government spending.
 
Because of the Iraqi - Iranian war abolished the currency law and disturbed the balance between the supply and demand of foreign exchange as a result of the increased military and civilian government spending.
 
The government allowed the private sector to import goods from its resources and sell prices are not subject to its control.

​Thus, there are two prices has become the exchange: official he keeps to $ 3.3 and is used for official expenses, and parallel is determined by the relationship between the foreign currency supply and demand. And the expansion of much difference between the two prices after the imposition of the economic embargo on Iraq in 1990 rose parallel to 3,000 dinars sometimes.

After the occupation and again allowing the export of Iraqi oil and the liberalization of deposits frozen, it was expected that the reform of Iraq hereby withdraw cash surplus banknotes from circulation.
 
 But he used the daily currency auction which specific amounts of dollar sold to the banks and the private sector to meet domestic demand for foreign currency, especially for the purposes of importation.
 
And it resulted in the continued increase in oil revenues to a gradual improvement in the exchange rate even reached 1220 dinars to the dollar.
 
Many politicians and technicians and that is the daily currency auction way to smuggle the dollar by private banks under the pretext of import. And increased their criticism in the light of the current financial crisis.
 
The question addressed by concerned now in Iraq is: Do I have to continue in the daily currency auction, despite accusations to the auction? Or it should halt its work and resort to other means if it becomes free and purchased the process of selling the dollar without restrictions as some suggest?
 
The choice of the appropriate exchange for any state-minute process of price and related economic and financial situation of the State Economic and its ideology.

The state that choose full flotation of its currency and make it sell the currency and buy Harin and without restrictions are usually powerful developed economies that have sources of important and multiple foreign currency and be their currencies of importance in international trade and investment flows and have large reserves of an international weight currencies.

The countries that demonstrate their currencies in a foreign currency and one as dollar or a basket of currencies, Felthafez at this price in front of her two options: first, to have large reserves of foreign currency and gold to enable them to intervene to support the currency price installer when necessary, eg the Gulf Cooperation Council (GCC).
 
And second, to maintain the exchange rate through the management of this price by the monetary authority that affect the factors that determine the demand for foreign currency. This is what Iraq was doing before the first oil boom.

As in Iraq, the government does not have an official rate of the dinar against the dollar or a basket of currencies. The old and the price is no longer $ 3.3 Mstamla any type of trading, even though he has not been formally repealed.
 
Accordingly, and in light of the limited resources currently of foreign currency and the difficulty expanding beyond oil resources, it is imperative that manages the State the current exchange rate through the development of the central bank balance of foreign exchange determines the share of each paragraph of imports of goods and services and transfers without charge and others.
 
 And thus can maintain the stability of the current price on the one hand, and restricting expenditure in foreign currency limits of available resources on the other hand, to become favorable conditions for monetary reform and the adoption of an appropriate official exchange rate.

Intelligent loyal Khalidi
Citing the newspaper "Life

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