Ever dream of winning the lottery? The golden ticket holders on this list might convince you otherwise. Most of them either regret winning the jackpot, or admit it made their lives hell. Let them show you what the lottery could make you lose.
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10 People Who Won the Lottery–Then Lost it All
Ever dream of winning the lottery? The golden ticket holders on this list might convince you otherwise. Most of them either regret winning the jackpot, or admit it made their lives hell. Let them show you what the lottery could make you lose. Source
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LOTTO FRENZY 20/20 MARCH 30, 2012
Does winning a lottery jackpot really buy happiness? "Be careful what you wish for" Click to Watch Show (I watched this show last night....Must watch show) GRIPEVINE Be Heard...Get Results
You can get your complaints resolved here. It's simple, free and easy. Gripevine amplifies your online voice and connects you directly with company decision makers who can get your complaints heard and resolved, quickly and easily. Use Gripevine to share your complaints with friends and followers and let companies know exactly what they need to do to keep your business. Dave Carroll Gripevine co-founder Gripevine co-founder Dave Carroll created the now-iconic "United Breaks Guitars" YouTube video that became a viral hit and touched off a revolution in how corporations look at social media. His experience shows that using social media tools and technologies to tell your story can create amazing results without being mean or antagonistic. Dave believes that Gripevine will ensure that all consumers can have the same opportunity to get their voices heard http://gripevine.com/ CONSUMER FINANCE: What To Do If You Fear Your Credit Card Is Hacked
Published March 30, 2012 Dow Jones Newswires A "massive" security breach of potentially more than 10 million Visa and MasterCard credit cards could leave you exposed to fraud and means you will have to be on guard over your accounts and credit reports. Visa Inc. (V) and MasterCard Inc. (MA) have alerted banks nationwide Friday about specific credit cards that may have been compromised at a U.S.-based card processor and are investigating the situation, according to the Krebs on Security.com blog. The processor has been identified as Global Payments Inc. (GPN), an Atlanta firm that acts as a third-party processor of credit, debit and gift cards for banks and merchants, according to The Wall Street Journal. The card associations have told banks that the break-in to the system occurred between Jan. 21 and Feb. 25 and that information stolen could be used to counterfeit new cards. In a statement, MasterCard said that law enforcement is involved and that there is an "ongoing forensic review" by an outside "data-security organization." Visa representatives did not respond to requests for information. Banks are scrutinizing transactions on compromised accounts and have found common purchases in parking garages in and around the New York City area, according to the Krebs on Security blog, which is written by Brian Krebs, formerly a reporter with the Washington Post. At least 482 credit unions also have been alerted by a provider of online financial services to the industry, the blog said, and fraudulent activity has been uncovered on 876 accounts, a relatively small number of the 56,455 member accounts covered by this particular service provider. If you're worried that your information was stolen, contact the bank that issued the card. Visa and MasterCard don't actually issue cards but process the transactions for the bank issuer. "One of the first things consumers should do is pull a copy of their credit report," said Dave Blumberg, a spokesman for TransUnion, the credit-rating agency. The report will list all the cards you have open, alerting you to any new accounts that you may not have opened. You also can get a free credit report every 12 months from AnnualCreditReport.com. If your card was stolen, you're liable, under federal law, for up to $50 of unauthorized credit or debit transactions. In cases like this, though, you're not likely to be responsible for any charges. Yet you could open yourself to greater risk with your debit card if you don't report the fraud quickly or respond within 60 days to a bank statement that shows the fraud. Keep close tabs on your debit account because you could lose all the money in it if it's not reported. You might also want to place a fraud alert or credit freeze on your credit reports to stay vigilant. Those, however, generally only last a year and will have to be renewed. SOURCE MasterCard, Visa confirm credit card data theft described as 'massive
By Bob Sullivan Law enforcement officials are investigating what appears to be a massive theft of U.S. consumers' credit card data, MasterCard and Visa confirmed Friday. The computer security expert who first reported the theft said it might involve as many as 10 million accounts, making it one of the largest known credit card heists. "MasterCard is currently investigating a potential account data compromise event of a U.S.-based entity and, as a result, we have alerted payment card issuers regarding certain MasterCard accounts that are potentially at risk," that association said in a statement. "Law enforcement has been notified of this matter and the incident is currently the subject of an ongoing forensic review by an independent data security organization." Payment processor Global Payments said late Friday it was the target of the hack. In a statement, the firm said it "identified and self-reported unauthorized access into a portion of its processing system." Earlier Friday, trading in Global Payments stock had been halted. "In early March 2012, the company determined card data may have been accessed," the firm said. "It immediately engaged external experts in information technology forensics and contacted federal law enforcement. The company promptly notified appropriate industry parties to allow them to minimize potential cardholder impact. The company is continuing its investigation into this matter." Paymemt processors -- "middle men" that handles transactions between retailers and banks -- have long been a target of identity thieves because of the enormous amounts of data they control. In 2008, Princeton, N.J.,-based Heartland Systems was hacked, exposing tens of millions of credit card account numbers to theft. The theft confirmed Friday was first reported by well-known computer security journalist Brian Krebs on his blog, KrebsonSecurity.com. He reported that hackers had access to the then-unknown processor's data from Jan. 21 through Feb. 25, and were able to siphon off enough data to easily create counterfeit cards. His sources called the leak "massive." Visa, in a statement, also acknowledged the data theft but said its own systems were not hacked. “Visa Inc. is aware of a potential data compromise incident at a third party entity affecting card account information from all major card brands," the firm said. “Visa has provided payment card issuers with the affected account numbers so they can take steps to protect consumers through independent fraud monitoring and, if needed, reissuing cards." Follow @RedTapeChron Gartner security expert Avivah Litan said she's been told that the stolen data is already being used on the street by identity thieves. "I’ve spoken with folks in the card business who are seeing signs of this breach mushroom. Looks like the hackers have started using the stolen card data more recently," she said. She's been told that investigators believe the data theft originated in New York City. "From what I hear, the breach involves a taxi and parking garage company in the New York City area, so if you’ve paid a NYC cab in the last few months with your credit or debit card — be sure to check your card statements for possible fraud," Litan said in her blog post on the topic. MasterCard said none of its computers were hacked as part of the incident. "MasterCard is concerned whenever there is any possibility that cardholders could be inconvenienced and we continue to both monitor this event and take steps to safeguard account information," the association added in its statement. "If cardholders have any concerns about their individual accounts, they should contact their issuing financial institution.... It is important to note that MasterCard's own systems have not been compromised in any manner. " Source 9 things you should know about your credit card receipt
By Melody Warnick You may know them as those annoying scraps of paper that litter your purse or flutter from your wallet at inopportune moments, but receipts for credit card transactions are actually worth paying attention to. Here's what you probably didn't know about them, but should: Receipts are more secure than you think ... Unless a merchant made a big mistake, you won't see your whole credit card number on a receipt. That's because the federal Fair and Accurate Credit Transactions Act -- an amendment to the Fair Credit Reporting Act that took effect in 2006 -- legislated that for better financial security, only the last four or five digits of your card number can appear. That's why you see something like XXX-XXXX-1234 instead. Your card expiration date can't show either. ... but receipts aren't totally thief-proof. Your truncated card number isn't enough to steal, but those digits "should still be treated as sensitive, confidential information," says Jamie May, chief investigator at AllClear ID, an identity protection company. Scam artists who get their hands on even part of your card number can use it to phish for the whole number by posing as your credit card issuer or utility company over the phone. "Your card company will never call you and ask you to give them your whole card number," May says. "A good rule of thumb is to hang up and call them back at a number you know is theirs." Receipt numbers aren't just gobbledygook. Besides the recognizable parts of your receipt, like your truncated card number and the date, are a slew of mysterious numbers. They're not alien communications; they're codes that identify the store to the company that processes their credit card payments -- for instance, a merchant ID number, an approval code, a reference sequencing number and sometimes a terminal number to identify which cash register took the payment. They're generally the same on every receipt issued by the same store. Consider them behind-the-scenes details that you can safely ignore. Store copies and customer copies are the same. You've eaten a nice restaurant meal, tallied the tip and signed the credit card receipt -- only to realize that you've walked off with the wrong copy. "It's usually not a problem," says Heather Petersen, CEO of National Merchants Association, a payment and transaction processor. Most companies now put the tip and signature line on both copies of the receipt, so it's not a big deal if you signed the wrong one. Even if you left only an unsigned copy of the receipt, your dinner will still get charged. You can sign as Mickey Mouse, but you shouldn't. Speaking of signatures, they matter more than you think. In an ideal world, a cashier should compare the signature on your receipt to the one on the back of your credit card. However, that rarely happens these days, and certainly no one at the bank is scrutinizing electronic signatures. That doesn't mean you're free to scrawl whatever you want, though. "This is a legally binding contract," says Petersen. "It states right on there that the undersigned agrees to pay." If the seller does notice that you signed a silly name, he can void the transaction. Plus, if you need to dispute a fraudulent charge, the signature can be a key bit of evidence. Signing your receipt "Kim Kardashian" will not help your case. Your receipt and your bill may not always match. When your credit card bill arrives, pull out your receipts and make sure what you signed for is actually what you were charged, paying particular attention to transactions where you wrote in a tip. It's easy for a cashier to mis-key the wrong amount or to fraudulently add a few bucks to your tip. Plus, if you messed up on your math, your cashier will generally go by what the total is -- but not always. "It could be a case where they take the liberty of saying, ‘I'm pretty sure they meant $5, so I'm going to charge $5,'" says May. If something is off, your credit card receipt gives you the ammo to dispute the charge with your credit card company. It's wise to keep your receipts around. "By far the best reason for archiving receipts is in case of an IRS audit," says Jake Brereton, marketing manager for Shoeboxed, a company that digitizes customers' receipts. But it's also helpful in case you need it to use a warranty, get a refund challenge a charge or (duh!) make a return. With Shoeboxed, you mail in an envelope of receipts and wait for them to be added to your cloud-based archive; basic service starts at $10 a month. To do it yourself, file receipts for a year or two, then shred. Old-fashioned isn't best. Remember those clunky machines that cashiers once used to make an imprint of your credit card? Occasionally you still see them (or hand-written receipts) when small businesses lack the infrastructure to process your credit payment electronically. It seems like an innocent throwback, but "those are riskiest kinds of transactions," warns May, because you have no idea what happens to your credit card number afterwards. If a salesperson hauls out the old-school imprint machine, it's best to go get some cash. You don't have to get a receipt. If you don't plan on keeping your receipt, don't ask for it. "It's better to not have it than throw it in the trash," points out Petersen -- not only because it's not secure, but because it's a waste. Plus, many retailers have moved toward electronic receipts and ask whether you'd like your receipt emailed to you vs. receiving a paper receipt. According to some estimates, it takes approximately 9.6 million trees to create the 640,000 tons of paper that go into receipts each year. So, if you choose an emailed receipt or just hit "no receipt" when you pay at the pump, you'll be doing yourself a financial and environmental favor. Published: January 26, 2012 Source 6 steps to handle a sudden financial windfall
Knowing what to pay off and how much to save can be harder than you think By Tamara E. Holmes Few people would turn down a financial windfall, whether via an inheritance, lottery winnings or an unexpected bonus. But while a cash infusion may be welcome, it can also raise questions about the most effective ways to use it, particularly if you have credit card debt to pay off and other financial goals to reach. "When people get a windfall, usually there are multiple demands for that money," says Susan Bradley, author of "Sudden Money: Managing a Financial Windfall." While the size of the inheritance determines how many goals you can satisfy, the following steps can help you ensure that your money goes the furthest, whether you've received an additional $10,000, $50,000 or $100,000. Step No. 1: Take a pause An unexpected cash infusion "can feel like it's infinite and will always be there," Bradley says. In fact, many people commit to spending three or four times the amount because they think they have more money than they actually do, Bradley says. To avoid spending impulsively, take some time out before making any financial decisions. "Usually people don't see the full range of what's possible at the very beginning of a windfall event," says Bradley. If the amount seems large to you, hire a financial planner to help you prioritize your goals and a certified public accountant to help you handle the tax implications, suggests Zaneilia A. Harris, president of Harris and Harris Wealth Management Group in Upper Marlboro, Md. Also, create a prioritized list of your financial concerns "because depending upon how much money you received, there might not be enough money to solve all your problems," Harris says. You'll know you're ready to make financial decisions when you stop changing your mind about whether you'll invest the money, go on a cruise or start a business, Bradley says. "If you're going back and forth, it just means you're not ready yet." Step No. 2: Emergencies first While there are likely multiple ways you can improve your financial situation, emergency situations take precedence. For example, "if you don't have a dime in savings and you're behind on the mortgage, take care of that first," says Mike LeClear, vice president of Consumer Credit Counseling Service of Northeastern Indiana. Lottery winner Richard Lustig poured his entire windfall into financial emergencies that had just cropped up when he won $10,000 18 years ago. The seven-time lottery winner, who wrote, "Learn How to Increase Your Chances of Winning the Lottery," had been recently saddled with a leaky roof and medical bills after his son was born. "I didn't have to think twice. All my money went to the hospital bills and the roof," he says. Step No. 3: Cash is king Once emergencies are handled, your strategy will differ based on the amount of the windfall. While clearing up credit card debt is definitely a smart move, "if it's going to take all of that windfall to pay it off, I wouldn't recommend that," says LeClear. You can't get out of debt if you don't save money because inevitably the car will break down or some other unexpected expense will have you reaching for the cards again, LeClear says. Instead, take a portion of the windfall to put toward an emergency fund. While many financial experts suggest having three to six months of savings, if you've amassed a lot of credit card debt, LeClear suggests making that about one month of savings before focusing on those bills. Step No. 4: Prioritize debt Credit card debt and other loans that are weighing you down should be your next priority. Not only should you first consider credit cards that have the highest interest rates, but you should also look to eliminate loans that have the greatest impact on your monthly cash flow, Harris says. For example, a card with a high balance likely carries a high minimum payment. By paying that debt off, you free up the largest amount of money to go toward other financial goals. Step No. 5: Safeguard the future Once your emergency savings and monthly cashflow issues are addressed, it's time to look to the future. "This is when you focus on your long-term objectives," such as saving for retirement or taking care of a child's education, says Harris. This is also the time when you consider financial gifts and charitable donations. Designate an amount you can afford, and be willing to say "no" to requests that exceed what's allotted. "You create a giving plan so you can make the money go the furthest," Bradley says. Step No. 6: Do something fun While it's important to further your financial goals, once you've addressed your top financial priorities, take a portion of the money and enjoy yourself. Doing so makes it less likely that you'll splurge impulsively or squander all of the money, LeClear says. When Lustig scored a $842,000 lottery win, he paid off all of his credit card debt and loans, invested a little -- and then bought a Harley-Davidson. "When you get that kind of money, you also have to have fun," he says. Published: May 16, 2011 SOURCE 5 Reasons You Don't Really Want to Win all that Lottery Money
Do you find yourself dreaming of the day your lucky lottery numbers are called? Or fantasizing about what numbers lurk under the silver bar of that scratch-off ticket you impulse-bought while gassing up? The lure of "Mega Millions," "Powerball" and other lottery jackpots has millions in search of, well, millions. And while it's fun to daydream about what having more money than you can count would be like, winning the lottery might not be all it's cracked up to be. [Related: World record $540 million lottery drawing] A windfall of widely publicized winnings that finally allows you the luxury of affording a trip around the world, a fancy car or flat-screen TVs for every room in your house just might ruin your life. Here's a look at the ugliness landing all that loot can bring to your life. And a reminder that being mega rich isn't all that it's cracked up to be. 1. Your friends will take advantage Once word gets out that you had the winning ticket, you can expect everyone to try to cozy up to you, from the college roommate you haven't heard from in 20 years and the kid who tortured you on the kindergarten playground, to fellow carpool parents and "friends" you barely recognize. It's common for lottery winners to see a flood of online and in-person friend requests that range from wanting to share a meal to suggesting a weekend getaway to relax or catch up. Of course, these "buddies" all hope that you'll ultimately pick up the tab for their good time. After she was one of a pool of 12 people who won the Missouri Powerball in 2006 and split $224 million, Sandra Hayes had to rethink her social network. "It became necessary to be careful about who I make friends with because some people can be cruel and have alternative motives for befriending you. Some feel that just because you have money, you owe them money," she says. "When I would hang out with friends and we would stop to get something to eat, they would order their food and then announce they did not have the money to pay, which happened a few times," says Hayes. She quickly figured out her friends' plan and stopped going to eat with them. "I eventually stopped hanging out with them altogether." Lottery winners get pleas from pals and hopeful BFFs in need of a personal bailout, too. Hayes says one of her friends even expected her to rescue their family from their serious financial woes. "I did not rescue them thanks to the advice of my financial adviser, who told me if I bailed them out they would continue to sponge off me. If I did not draw the line, I would go broke," she says. [Related: 7 Things You Could Do If You Winthe Mega Millions Jackpot] 2. Your relationship could fail Money woes can put a strain on a relationship . But those who come into big windfalls find coming into a lot of money all at once can also overtax a relationship. Alexey Bulankov, a certified financial planner who's worked with a family who won a lottery jackpot saw this devastation firsthand. "Following a string of unfortunate financial decisions, the family fell apart," he says. Bulankov says the husband, who was emotionally unprepared for the enormous responsibility and pressure of winning the lottery, took to gambling and womanizing to deal with the troubles adjusting to his new lifestyle. When his wife found out, she retaliated with vindictive shopping. Eventually, they talked and sorted it out, says Bulankov. "Needless to say, the level of trust was not the same and the fighting and blame-placing for the squandering of their fortune became routine occurrence in this once tightly knit family," says Bulankov. 3. You'll have an increased risk of bankruptcy Given the fact that you'd have enough dough to clear up your debt, bankruptcy seems a long shot after winning the lottery. But experts say lottery winners actually are at greater risk of bankruptcy. "Winners suddenly have significantly more credit available to them than they ever had. That makes them more likely to make purchases on credit, rather than use cash," says Scott Dillon, a senior bankruptcy attorney at Tully Rinckey in Albany, N.Y. "Winners are much more likely to make significant impulse purchases far beyond their previous means. So the purchase amounts will be much higher, making the interest accrued on those credit cards much higher. And because they don't stop to think the money could run out, winners don't generally think they need to create or live by a monthly budget." "While it may be counterintuitive, a large influx of wealth without proper planning can easily cause people to forget the need to save for the future," adds Dan White, founder and president of Daniel A. White & Associates, a financial planning firm in Glens Mills, Pa., that specializes in asset protection and transitional and retirement planning. 4. You'll have to fight off a host of long-lost family members Jeff Motske, a financial planner and president of Trilogy Financial Services, headquartered in Huntington Beach, Calif., says lottery winners often become targets for long-lost relatives who knock on the door with one hand and hold the other palm up. Somehow they think when one family member wins the lotto, the whole family wins the lotto. "A family member who wins the lottery will appear as a better option than a bank for fast cash that comes with the price tag of little to no interest paid and no application process," says Motske. So many winners find themselves fielding pleas for help with a pile of credit card or medical debt, foreclosure or car repairs. "The majority of my family members treated me the same as they did before I won the lottery, however, there were those family members who suffered the entitlement syndrome," says Hayes. "A few of my family members with whom I did not have a previous relationship with before winning the lottery came out of the woodwork and started calling me to butter me up just for money." [Related: Charitable Donations: What You Need to Know] Hayes says she faced her share of bad experiences, including family members borrowing money that they felt they didn't have to pay back. "Some family members I gave a monetary gift for a special occasion thought I should have given more," says Hayes. 5. You'll be a target for a litany of lawsuits and scams Hoping to carve out a chunk of your fortune, Motske says lottery winners are often targets for bogus lawsuits because everyone starts to come after them. "If the winnings are public knowledge, winners can bet their phone will never stop ringing. Winners hear from investors, reputable firms and scammers, and every planner/schemer under the sun," he says. They also need to be wary of people who purposely "slip and fall" on their property, including claims of winners rear-ending them and so on. That includes contractors, babysitters, friends and family who visit you, borrow your car, etc. Hayes says she endured some less-than-honest business deals. "Some people I dealt with were honest, but others were not. I experienced contractors changing their work bids to a higher price after they found out I won the lottery," she says. "Now I will only work with people who have been referred from trusted associates, friends or family." SOURCE HOW TO SET UP GMAIL Account (Free email account) & Forwarding Instructions Click below to go to GMail GMail Click on: Create Account (top right hand corner) Complete the Info requested on the screen: You will pick a username for your account here - and password (Remember these two) (You do NOT have to enter correct information for any of the other fields if you choose not to & You do NOT have to enter your secondary email address here either) AGREE TO TERMS CLICK NEXT STEP SKIP THE PROFILE (unless you want to set it up) and Click NEXT Click on CONTINUE TO GMAIL Your GMail account is now ready to use.. IF YOU WANT TO HAVE YOUR GMAIL FORWARDED TO YOUR REGULAR EMAIL ACCOUNT(so you only have to use your current email account and not log into GMail) FOLLOW THE INSTRUCTIONS BELOW: On top right of page: Grey box that looks like a wheel (this is the Settings Tab) Choose SETTINGS from the drop down menu Click on: Forwarding & POP/IMAP tab Click on: Add a forwarding address Click on: Forward a copy of Incoming Mail Enter the email address you want to receive all gmail emails sent to you (For example: when I set up my gmail accounts, I forward a copy to my aol account so ALL emails that come in to my gmail account are AUTOMATICALLY forwarded to my main email) Which means I do NOT have to log into Gmail to get my email. SAVE CHANGES A confirmation code email will be sent to the email you entered Go to your email and click on the link that says ALLOW TO FORWARD Then go back to your NEW GMail account and Again Click on Forwarding & POP/IMAP Click on Forward a copy to email Click on SAVE CHANGES ALL DONE..
BEST PLACES TO RETIRE FOR ME.....Thanks to one of my favorite listeners for sending me these great pictures...You help keep me sane....
Thanks to Robert for this Post: The 18 Best Places to Retire Overseas By Kathleen Peddicord | U.S.News & World Report LP – Mon, Mar 19, 2012 4:00 PM EDT When choosing a place to spend your retirement years, the cost of living is important. But it is only one consideration. The ideal retirement spot is a place where you can live a rich life filled with friends, travel, discovery, physical and intellectual distractions, and opportunities for growth. A super-low cost of living is great, but more important is the quality of life your retirement budget is buying you. Many of the best options for enjoying an enormously enriched retirement lifestyle on even a very modest budget can be found overseas. Here are the world's 18 top retirement havens, where an interesting, adventure-filled lifestyle is available for a better-than-reasonable cost. The Americas 1. Panama. Panama is the world's top retirement haven. Panama City no longer qualifies as cheap, but other spots in this country certainly do. Panama continues to offer the world's gold standard program of special benefits for retirees. The currency is the U.S. dollar, so there is no exchange rate risk if your retirement savings and income is in dollars. The climate in Panama City and on the coasts is tropical, hot, and humid. However, the climate in the highlands can be temperate and tempting. Panama is the hub of the Americas, meaning it's easily accessible from anywhere in North and South America and Europe. [Related: 10 hidden-gem destinations] 2. Belize. Belize is a great place for reinventing your life in retirement. This tiny, under-developed, sparsely populated country offers two distinct lifestyle options: Ambergris Caye is the best of the Caribbean at a discount, while the Cayo is a frontier where independent-minded pioneers can make their own way and do their own thing, peacefully and privately. The climate is tropical, warmer on the coast, and cooler in the mountainous interior. The official language is English, so there's no foreign language barrier for Americans. You'll find a well-established and welcoming community of expats in San Pedro and on Ambergris Caye, and an emerging community of expats in the Cayo around San Ignacio. 3. Colombia. Medellin, a city of springtime and flowers, is the unsung jewel of Colombia. This city is pretty, sophisticated, cosmopolitan, safe, and affordable. Perhaps the most appealing advantage in Medellin is the cost of real estate. It's an absolute global bargain. You can buy property in a good neighborhood for as little as $1,000 per meter. Medellin's second biggest appeal is its climate, which is spring-like year-round, thanks to the high elevation. Medellin is a more developed city than you might imagine, with five of the best hospitals in Latin America, universities, museums, art galleries, and an efficient and reliable metro system. It also has international-standard shopping and many interesting nightlife options. If you fancy Paris or other Continental city choices, but don't want or can't afford Europe, I strongly recommend you take a look at Medellin. This city is one of the best places in the world to hang your hat. 4. Uruguay. It seems that the more troubled the rest of the world becomes, the more people are finding appeal in Uruguay, a stable commodity-based economy with a sound banking system. Uruguay is neither an aggressor nor a target of aggression in the world arena, and it's not a high-stakes player in world politics. Costs have risen in recent years thanks to the strength of the Uruguayan peso and the sinking value of the dollar. But, even as the cost of living and of real estate rose, Uruguay has become even more popular as a lifestyle and retirement destination. Accordingly, people are coming to Uruguay in record numbers, with residency applications up over 300 percent since 2007, many of these coming from the United States. 5. Ecuador. Ecuador is perhaps the best choice in the Americas for a retiree looking to enjoy a rich and interesting quality of life on a limited budget. I recommend Cuenca, the former Inca and Spanish capital, a current UNESCO World Heritage Site, and the intellectual heart of Ecuador. Cuenca is home to about 1,500 full-time residents from North America. This is not a big number compared with some more recognized Mexican retirement choices, but Cuenca clearly qualifies as an expat-friendly city, offering one of the most interesting retirement lifestyles available anywhere. Amenities include theater, orchestra, shows, restaurants, broadband Internet service, reliable electricity and telephone, and drinkable tap water. [Related: Ecuador Seen as New Retirement Hot Spot] Cuenca's appeal as a retirement haven is expanding in important ways, thanks to a recently developed program promoting the city as a medical tourism destination. The city's five top hospitals have joined together to offer bundled programs of medical tests, procedures, and services available for from $66 to $401. Costs for comparable services in the United States would be multiples of these amounts. In addition, Cuenca is now offering nursing care of a standard suitable for and appealing to the expat retiree at a cost of just $450 per month, including 24-hour doctor and nurse attendance, food, laundry, personal care, and occupational and rehabilitative therapy. 6. Nicaragua. Another top choice for a retiree with a very limited budget is Nicaragua. This country's Pacific coastline is every bit as dramatically beautiful as that of neighboring Costa Rica. Infrastructure is under-developed in both countries, but the cost of living and especially real estate are noticeably lower in Nicaragua, making the pot-holed roads easier to bear. Nicaragua also boasts two of the top Spanish-colonial cities in the Americas: Granada, a pretty and romantic city that everyone should see once, and Leon. Both places were founded in the early 16th century by Cordoba. 7. Roatan, Honduras. I'm not a big fan of mainland Honduras, which is under-developed and, in some places, unsafe. However, the Bay Island of Roatan is a world apart and one of my two top picks for affordable retirement in the Caribbean (the other is Ambergris Caye, Belize). 8. Argentina. Argentina is a dynamic and charming nation that rides perpetually between crisis and boom. This rich country boasts abundant natural resources and offers many appealing retirement lifestyle choices, including the eclectic and cosmopolitan neighborhoods of Buenos Aires, the provincial capitals, a finca in the countryside, and a boutique vineyard in Mendoza. Retirement life in Argentina could be many things, but never dull. The downside is a rising cost of living, thanks to local inflation and the falling value of the U.S. dollar versus the Argentine peso. 9. Mexico. This is historically one of the most recognized retirement havens for Americans. But Mexico today is suffering from a lot of bad press thanks to its drug wars. However, Mexico is a big country, and the drug goons haven't overtaken it entirely. It continues to offer some of the best coastal lifestyle and retirement options in the Americas, including Puerto Vallarta, my number-one choice for an affordable life of luxury on the Pacific. A couple could enjoy a a five-star retirement in this beautiful and romantic coastal town of marinas, golf courses, yacht clubs, and fine dining on a budget of as little as $2,500 per month. 10. Chile. Chile is a developed, First World destination that is also quiet, safe, and stable. Unlike its more scandalous neighbor, Argentina, Chile offers a cultured, comfortable lifestyle that is relatively calm. Santiago is a city of classic-style architecture, cobblestoned streets, and cafes with outdoor seating, in many ways reminiscent of Paris or Barcelona. This city of 7 million is also remarkably clean and friendly and boasts a diverse and expanding property market that is affordable on a global scale. You could own property at some of the city's best addresses for less than $2,000 a meter. One important downside to retirement in Santiago is the air pollution, which is a serious problem, especially during the winter months. A better option could be the country's beautiful Lake District to the south of Santiago, which is a favorite retirement choice among Chileans themselves. Europe 11. France. France is a land of superlatives. Its capital has been called the most beautiful, most romantic, and most touristed city on earth. It also boasts some of the world's best wines, cheeses, restaurants, shopping, castles, gardens, parks, beaches, museums, cafes, galleries, vineyards, and architecture. The typical concern for anyone who has ever dreamed of a new life in France is that it's too expensive for the average retiree to consider seriously. Not so. Paris isn't cheap. But elsewhere in France you can find realistic options, even if your retirement budget is modest. Perhaps the most retirement friendly region in this country is in the southwest, north of Spain, where small country towns offer a way of life that is quintessentially French and also very affordable. [Related: Most Productive Cities] 12. Italy. The cost of living in Rome, Florence, Venice, and Tuscany might be beyond the limits of your retirement budget. But that doesn't mean you should take Italy off your list entirely if this is the country that stirs your imagination and speaks to your soul. A retiree on a budget interested in Italy could look at Abruzzo. From this beautiful Old World base, within a half-day's drive of both the coast and the mountains, you could plan excursions to Italy's better-known and more expensive outposts as often as you liked. 13. Ireland. Americans have long dreamed of retirement on the Emerald Isle and with good reason. Ireland is safe, peaceful, relaxed, welcoming, friendly, hospitable, and English-speaking, making it an ideal retirement choice for many. Ireland today is also more affordable than it has been in more than a decade, and its property market has fallen off a cliff. Real estate prices are down 50 percent or more in many markets and are still falling. If you, like so many others, have dreamed of wiling away your retirement years on your own little piece of the Auld Sod, this could be the best time in your lifetime to think about making that purchase. 14. Spain. Spain is known among expats for its Atlantic and Mediterranean coastlines, especially its infamous (and unfortunately over-developed) Costa del Sol. But there's more to this country than its costas. Barcelona, for example, is a world-class city on the ocean, perfect if you're looking for a cosmopolitan life near the water. Real estate prices in this country have fallen tremendously since the highs of four or five years ago. If retirement in Spain appeals to you, this could be the time to search for a great deal on Spanish retirement digs. 15. Croatia. Croatia, a country with an extraordinarily complicated history and an extremely open-minded, forward-looking population, is at another turning point in its long history. Countries at turning points are interesting places to be. I recommend the country's Istrian Peninsula, which serves up some of the most delightful scenery on the planet. The land seems to rise up to embrace you, and everywhere you look, something nice is growing like olives, grapes, figs, tomatoes, pumpkins, blackberries, and wildflowers. Even the buildings seem to be part of the earth, built of its white stone and red clay. This sun-soaked region offers one of the most appealing lifestyle options in Europe today. [Related: The New Retirement Resorts] Asia 16. Thailand. Thailand boasts both really cheap and developed and comfortable lifestyle choices. It is also noteworthy as being one of the few countries in this part of the world that offers formal options for long-term and retirement visas. Hua Hin is one of the few classic retirement havens in Southeast Asia, complete with golf courses, factory outlets, and gated communities. Foreigners make up approximately 15 percent of that population, and most of them are retired. With 12 golf courses in operation and another 3 under construction, this is definitely the place to go if you're a golfing enthusiast. Hua Hin is a place where, if you were so inclined, you could live a North American lifestyle and never have to involve yourself more than superficially with the local Thai culture. This could be a plus or a minus for you, but it is worth noting when discussing options in this typically exotic part of the world. 17. Vietnam. While Thailand is well-established as an interesting option for expats and foreign retirees, Vietnam is an emerging choice, which could get a lot more attention in the coming few years. Nha Trang offers an interesting coastal retirement option for adventuresome retirees. Nha Trang's total population of more than 200,000 includes an expat population of about 1,000 people, meaning foreigners here are still pioneers. You'll find no organized activities for foreigners, such as expat clubs or softball leagues. The lack of a big foreign population makes it easier to have meaningful interactions with the locals. The major attraction in Nha Trang is its cost of living, which can amount to much less than $1,000 per month for a retired couple. If you're a budget-minded retiree with an interest in Asia, this town should be on top on your list. 18. Malaysia. After Thailand, Malaysia is the easiest country to navigate in this part of the world. The country's capital, Kuala Lumpur, is a city of contrasts. The shining stainless steel Petronas Towers, two of the tallest skyscrapers in the world, anchor a startlingly beautiful skyline that is truly unique to this city. Modern, air-conditioned malls flourish, selling everything from beautifully handcrafted batik clothing to genuine Rolex watches and Tiffany jewelry. In the shadows of these ultra-modern buildings, the ancient Malay village of Kampung Baru still thrives, with free-roaming roosters and a slow pace of life generally found in rural villages. Less than a 20-minute walk from the city center, you can find yourself conversing with monkeys in the city-jungle surrounding one of the highest telecommunications towers in the world. A walk of less than 30 minutes leads you to Chinatown and Little India, where merchants offer their wares, foods, and culture in happy neighborhoods that showcase the amazing diversity of the city. Unlike some places in Asia, foreigners are genuinely welcomed in Kuala Lumpur. Language isn't a problem, as almost everyone speaks adequate English. Immigration is easy, and it is possible to stay for an extended period with a simple tourist visa. Although Kuala Lumpur is more expensive than rural Malaysia, it can be marvelously inexpensive by Western standards. You can realistically expect to cut your living expenses by a third and still enjoy a lifestyle comparable to what you are accustomed to now. Kathleen Peddicord is the founder of the Live and Invest Overseas publishing group. With more than 25 years experience covering this beat, Kathleen reports daily on current opportunities for living, retiring, and investing overseas in her free e-letter. Her book, How To Retire Overseas--Everything You Need To Know To Live Well Abroad For Less, was recently released by Penguin Books. Source Her book, How To Retire Overseas--Everything You Need To Know To Live Well Abroad For Less, was recently released by Penguin Books. ORDER HER BOOK HERE Link to Order Book
Thanks to Mr Anonymous for telling me about this book..... Scam School by Chuck Whitlock They are Out to Get You! Chuck Whitlock, the world's leading scam-buster, wises you up to the incredible variety of cons just waiting to rid you of your wallet, your health, and your pride. Renowned to viewers of Oprah and Hard Copy, Geraldo and Sally Jesse Raphael, Inside Edition and CNN, Chuck Whitlock has exposed hundreds of con artists and reenacted scores of scams on camera. In his Scam School he reveals the tricks of the con artist's trade as he recounts his adventures going undercover to expose the most common and crafty scams circulating today — scams like: The faith healer who sold "human fat" candles at $900 a pop The new hire who wooed his boss and then bilked her out of her life savings The Three-Card Monte game that cost one man $25,000 The nursing home that double-charged patients and Medicare, pocketing the profits At once shocking, entertaining, and empowering, the true stories in Chuck Whitlock's Scam School will give you a Ph.D. in street smarts. "In a culture where people are increasingly being victimized by fraud, Scam School is a must read." -- Vincent Bugliosi, Author of Helter Skelter "Chuck has educated millions of viewers about the dangers of con artists. This book can help avert tragedies." -- Sally Jesse Raphael "Knowledge is power. Scam School will make you powerful." -- John G. Di Liberto, President & Ceo, National Insurance Crime Bureau "Through his investigative reporting and on-camera scams, Chuck has probably cost con artists millions of dollars in lost revenues" FROM STRAIGHT TALKING MIKE WARNING...BE AWARE OF THE NEW SCAM If you know anybody who posts ads online, forward this article to them — they just might thank you for saving their bacon. TOP STORY March 22, 2012 New scam involves PayPal and Western Union By Woody Leonhard There's a new variation on the old "Nigerian" or "419" scam, one that invokes the names of PayPal, Western Union, and the FBI — and the scammers are raking in billions. Let me introduce you to the way these scum operate — and show you a few tricks that may keep you from adding to their booty. "Greetings, I am writing this letter to you in good faith and I hope my contact with you will transpire into a mutual relationship now and forever. I am Mrs. Omigod Mugambi, wife of the late General Rufus Mugambi, former Director of Mines for the Dufus Diamond Dust Co. Ltd., of Central Eastern Lower Leone …" I'm sure you're smart enough to pass over e-mail like that — at least, I hope so. It's an obvious setup for the classic 419 scam — also known as the Russian scam, the Detroit/Buffalo scam, and, of course, the Nigerian Letter, as described in a Wikipedia page. (The 419 moniker is derived from the Nigerian Criminal Code, Chapter 38, Article 419: "Obtaining property by false pretences; cheating.") Recently I bumped into a more sophisticated version of the same kind of scam and tried to trace it all the way back to its source. I'll take you through the scam's stages and show you some of its wrinkles. Plus I'll whine about the way big companies such as PayPal and Western Union are letting us down, and I'll talk about how I rode the paperless trail to its roots. You may be able to, too. There's a reason why everybody gets so much 419-scam e-mail. It's a huge business. The 419 Coalition says that, as early as 1996, 419 scams netted U.S. $5 billion. The subsequent rise of the Internet and e-mail has only increased the opportunities for this type of fraud. (While Nigeria does harbor its share of 419 scams, perpetrators can be found in all corners of the globe, including the U.S. But, as you'll see shortly, there are significant advantages to working out of small countries. New wrinkle on an old ploy — the PayPal scam It all starts when you place an online ad. It doesn't really matter what you're selling, as long as it's physically large and valuable. It doesn't matter where you advertise — I've seen reports of this ploy being played on Craigslist advertisers and other major online sites. I first found out about this PayPal 419 scam when a handful of advertisers in my local newspaper all got hit within just a few weeks of each other. One of the intended victims contacted me the minute he received the first solicitation. He agreed to let me step in and act on his behalf. Here's what happened. The scammer, PaulW (modified by this author), sends me this message from a Gmail address: "I will like to know if this item is still available for sale?" I write back and say, yes, it is, and he'd be most welcome to come and take a look at it. PaulW writes: "Thanks for the response, how long has your friend owned this item? let me know the price in USD? I am OK with the item it looks like new in the photos I am from Liverpool UK, i am sorry i will not be able to come for the viewing, i will arrange for the pickup after payment has been made, all documentation will be done by the shipper, so you don't have to worry about that. Thanks" Three key points: The scammer is using a Gmail address, which is nearly impossible to trace without a court order; he claims to be out of the country; and he claims that he has a shipper who will pick up the item. The plot thickens. I write back and say that the item's practically new, I give him a price, but I express concern about the shipper. PaulW replies: "My shipper will be coming from UK for the pickup, and pls tell your friend to prepare all the export documentations for the pickup. I'm quite satisfied with the condition and price. I will be paying the PayPal charges from my account and i will be paying directly into your PayPal account without any delay, and i hope you have a PayPal account." I respond, giving him a dormant PayPal account and my "address" (which is, in fact, my local police station). He quickly writes back: "I have just completed the Payment and i am sure you have received the confirmation from PayPal regarding the Payment. You can check your paypal e-mail for confirmation of payment.a total of 25,982usd was sent, 24,728usd for the item and the extra 1,200usd for my shipper's charges,which you will be sending to the address below via western union." (I'll call the shipper William C. I've deleted the address because it actually exists in Devon, England. A different person, being scammed at about the same time, was also instructed to send money to the same Devon drop.) Note the ploy here: I'm supposed to immediately send $1,200 to the shipper via Western Union. Of course, no PayPal payment to cover both the purchase and the shipping was ever sent. "You should send the money soon so that the Pick Up would be scheduled and you would know when the Pick Up would commence, make sure you're home. I advice you to check both your inbox or junk/spam folder for the payment confirmation message." I then receive a message claiming to be from "Service-Intl.PayPal.Com": "The Transaction will appear as soon as the western union information is received from you,we have to follow this procedure due to some security reason … the Money was sent through the Service Option Secure Payment so that the transaction can be protected with adequate security measures for you to be able to receive your money. The Shipping Company only accept payment through Western Union You have nothing to doubt about, You are safe and secured doing this transaction and your account will be credited immediately the western union receipt of *1,200USD* is received from you." From that point on, it was hard to keep a straight face — you'd think the scammers would put some effort into writing business-quality, standard-English sentences (or pay someone to edit them). But "PaulW" and "Service-Intl.PayPal" got progressively more strident when I asked questions about the PayPal Service Option Secure Payment method (which doesn't exist). The tone turned downright abusive; I eventually received a message from a different e-mail address, Service[at]Intl.PayPal[dot com], (address modified by this author) with the FBI logo at the top (shown in Figure 1). Figure 1. The scammer's threat included a "Federal Bureau of Investigation" letterhead. The e-mail threatened to take legal action against me: "We use proprietary technology and constantly innovate to help ensure your transactions are safe. In addition, PayPal has over 20,000 staffs worldwide dedicated to keeping PayPal accounts safe, and stopping online criminals. And we work with Internet Service Providers (ISPs) worldwide to shut off fraudulent websites as soon as possible." I exchanged several dozen e-mails, trying to get the scammers to reveal themselves — to no avail. Eventually, they stopped trying. It's possible they were tipped off after my calls to their ISP, or they simply moved on to easier targets. Tips that the offer was not on the up-and-up I knew this was a scam from the beginning. Several people in my area sent complaints to the local newspaper, describing virtually identical ploys — similar messages but with different e-mail addresses. (That was mistake number one.) Although PaulW's message wasn't very convincing, he did use a Gmail account, which (as noted earlier) is essentially impossible to trace. I Googled PaulW's original e-mail address to see whether it was linked to other scams, but I didn't get any hits. So that part of the subterfuge worked. But the rest of the scam was sloppy. The initial "PayPal" message had a return address of Service-Intl.PayPal[dot com] | notification.verification[at]consultant [dot com]. Search [at]consultant[dot com] through Google, and you find references to scams. Go to www.consultant[dot com], and you'll see one of those generic index sites. When I looked at it, there was just one, bogus, online advertisement. Most of the time, when the scammers sent e-mail from "PayPal," they used a virtual private network (VPN) to make it look like the messages originated in the U.S. But on three separate occasions, they forgot to turn on VPN. Using a very simple technique, I traced all three messages back to one specific Internet service provider in Lagos, Nigeria (see Figure 2). Figure 2. Three of the messages originated with the same ISP in Lagos, Nigeria.
Here's how to find the originating ISP of an e-mail: In Gmail, click the down arrow next to the right of the message header (next to the Reply button) and choose Show original. That shows you the entire message, including the full header information (the message routing information at the beginning of the message, which is normally hidden). Copy the entire header and go to the ipTRACKERonline header-analysis page. Paste the header info into the Email header analysis input box and press the Submit button. After ipTRACKERonline reloads the page, scroll down to the Email header analysis report box. There you'll see where the message has been and — most of the time — where it originated. For more on tracking down e-mail origins, see Susan Bradley's Nov. 10, 2011, story, "Find out where that e-mail really came from." What can be done to nail the scammers So I now had three scam messages with identified IP addresses, the name of a large Internet service provider in Nigeria, and a compelling case for both PayPal (to defend its name) and Western Union (which was being used as a drop) to follow up. Here's what happened next. I went to the Western Union site and tried — nearly in vain — to find a security-related, customer-service e-mail address — someone I could talk to about WilliamC in Devon, England, and his apparent use (either knowingly or unwittingly) as a money-laundering mule for these scammers. The Western Union site has acres and acres of warnings, cautions, and lip service about fraud, rip-offs, and cons. It has links to every single consumer protection agency in the U.S. It also has a customer-service 800 number, but it's hard to put an e-mail header into a phone conversation. In the end, Western Union was of no real help. (We eventually found a fraud-reporting e-mail address listed in small type at the bottom of the company's Phone and Mail Support page. — Ed.) Moving from Western Union to PayPal was like night to day. PayPal displays its scam-reporting e-mail address prominently in many of its fraud discussions. I sent a copy of the first scam e-mail to spoof@Paypal.com with an open header and soon received a polite response saying, "Thanks for forwarding that suspicious-looking e-mail. You're right — it was a phishing attempt, and we're working on stopping the fraud. By reporting the problem, you've made a difference!" Except it wasn't a phishing attempt. It was a scam that used PayPal as a key prop in the setup. So I sent a copy of the second fraudulent e-mail, explaining that it's a 419 scam. I got back another nice letter that said, "Thanks for forwarding that suspicious-looking email. You're right — it was a phishing attempt, and we're working on stopping …." Yes, it appeared to be a form letter. I sent three messages to PayPal, and I don't think a human looked at any of them. Next, I wrote to MTN Nigeria, the Internet service provider in Africa, and they did respond. But the upshot was disheartening: "All of our 3G network subscribers now sit behind a small number of IP addresses. This is done via a technology called Network Address Translation. In essence it means that one million subscribers may appear to the outside world as one subscriber, since they are all using the same IP address." It's akin to a massive home network. No doubt MTN Nigeria could sift through their NAT logs and find out who was connected at precisely the right time. But tracing a specific e-mail back to an individual would be difficult — if not impossible. And it would probably require a court order. On the bright side, my complaint was forwarded to the police. (I'm not, however, holding my breath.) The bottom line? From a technical aspect, there's little that can be done about these scams. No doubt, thousands of folks around the world are victims. The solution is to bring these scams into the light and to use common sense when transacting business with strangers via e-mail. Any transaction that seems a bit unusual should raise red flags. That said, there's something to be said for baiting the bustards and making them waste time on someone who isn't going to fall for their tricks. The 419 Eater blog has some handy suggestions. If you know anybody who posts ads online, forward this article to them — they just might thank you for saving their bacon. Source FINALLY A COMMON SENSE ANALYSIS OF THE "LOP" / "DELETING ZEROS"
- by Mr. Anonymous There has been a lot of confusion and frankly a lot of mis-information about the two terms "LOP" and "DELETING ZEROS" of the Iraqi Dinar. I would like to take just a minute or two of your time and offer to you a common-sense approach to look at these two very confusing terms! These two terms are simply nothing more than a casual language expression for the Iraqi Banks taking the IQD currency "old" bills which have "three zeros" on them (i.e. the 1,000; 5,000; 10,000 & 25,000 IQD Notes) and removing them from the Iraqi Economy! That's it! Nothing More! HERE IS AN EXAMPLE WE ALL CAN RELATE TO In the United States, several years back, when the Federal Reserve wanted to roll out our "new" currency with the "large" pictures on them to better fight counterfeiting (humm, sound familiar?), what did The Fed Reserve do? The Fed Reserve told all the Banks to "delete" the "old" US currency (i.e. "small" pictures) from our US Economy! Right? And, note this, the Fed Reserve told our Banks to "delete" the "old" US currency, but it is still valuable, you can still spend it, right???!!! So, how are the US based Banks able to "Delete" the "old" US Currency? Simple, whenever the Banks receive an "old" currency note they hold it, then send it to the Fed Reserve, where the Fed Reserve will destroy those "old" notes. DOES THIS NOW MAKE SENSE? Comparing what the United State's Fed Reserve is still doing with "deleting" our "old" (small pictures) currency to that which Iraq's Central Bank (www.CBI.iq) is essentially going to do with the process of "deleting" their "old" (three-zeros) currency to replace it with the "new" currency, does this now make sense to you? Because it made sense to me when I heard it explained. Think about this also, the head of the CBI, Dr. Shabibi has said that this will be a process which will take two years. He has also said in a very recent News Article as posted on TheIQDTeam.com website and read on one of their recent conference calls, the CBI plans to honor all of the "old" (three-zero) currency notes for at least 10 years! After knowing this, now you can feel safe in knowing the truth of the process!!! And not what you may have heard or read on an "Intel" or "Rum-tel" site. There is no need to panic. Think about it, if you still are holding on to "old" US Currency, you can still use it - right? ANOTHER THING TO CONSIDER IS THIS... Why did Dr. Shabibi tell the world in several News Articles that the IQD's "old" (three-zero) currency will be valuable for at least 10 years? Was he saying this to his people of Iraq? Was he saying this to you and me? NO!!! Well then why???!!! Here is why! Dr. Shabibi was telling this to the US Treasury and to most of the Governments around the world that currently hold IQD in their Foreign Currency Reserves! Governments will NOT tolerate these "old" (three-zero) currency to suddenly be valued as "worthless"!!!! Right!!!??? Can you say WAR!!!??? Do yourself a favor if you are new to the IQD "Investment" or if this issue still confuses you or worries you. Please take a little time and read the Article "The Future of Iraq Project" (especially the last section 20 on the Banking system) Here is the direct download link: http://www.theiqdteam.com/future-of-iraq-project--other-links.html IN CONCLUSION... Hopefully you now better understand these two terms "LOP" and "DELETING ZEROS" of the Iraqi Dinar and are no longer confused by them when you hear them or read them. You now know that these two terms are nothing more than a badly translated expression that is being used for the well planned process of removing the "old" (three-zeros) IQD currency from the Iraqi Economy by the Iraqi Banks. This will be done over a specific time and it has absolutely NOTHING to do with the IQD currency's actual value! As most of us Dinarians have already figured out, there are a LOT of RUMORS out there and "Gurus" that seem to purposefully (for whatever reason) want to float "bad" information on the Dinarian Boards, Chat Rooms and Conference Calls. If you have questions about the Iraqi Currency, or you saw a post that the IQD has "RV'd" and you want to verify it for yourself, then the very first place to check before calling or emailing anyone is check the www.CBI.iq website. The CBI.iq website is your ONLY RELIABLE SOURCE OF INFORMATION as to the ACCURACY of the Current IQD Exchange Rate! THANKS FROM THE IQD TEAM The two links below will help you understand the "LOP that is brought up so many times on the call...Take the time to review this information to help you understand this.
Finally a Common Sense Analysis of the LOP - Deleting Zeros Recorded Explanation LOP Recording of a portion of a Conference Call with "Highlander" about the LOP...Sept 2011
641-715-3900 Pin 391178# LINK CHARITY NAVIGATOR
Charity Navigator, America's leading independent charity evaluator, works to advance a more efficient and responsive philanthropic marketplace by evaluating the Financial Health and Accountability and Transparency of America's largest charities. http://charitynavigator.org/ Below is just a sampling of some of the information available on this website: Top Ten Lists At Charity Navigator, we recognize that charity evaluation may not be the most scintillating of topics for most observers. That said, we are constantly searching for ways to help givers navigate a crowded marketplace, and to make this often-complex subject a tad more interesting. In the following Top 10 Lists, we identify those charities in our database that meet certain desirable or undesirable patterns of performance. As with all of our ratings of charities, the inclusion of each charity in this list is based entirely on whether or not it matched the criteria we defined for the list. In other words, we included charities based on how they performed in our rating system, not on our subjective opinions of those charities. Furthermore, our lists are dynamic. The charities on each list changes when we publish updated and new charity ratings. We publish new ratings data on the first of each month. As such, users are invited to return to the site on a monthly basis to see how the composition of our Top 10 lists have changed.
Homeland Security & Patriot Act BANKING & SECURITIES It is clear — especially in the aftermath of September 11th — that no bank or financial institution wants to see its name in the headlines as the source of funds that facilitated an act of terrorism. Effective screening of Specially Designated Nationals (SDN) and other government terrorist and law enforcement lists is one method by which the financial services industry and the government can work together to ensure that terrorists don't use our own banks against us. Doing so is now the law. About OFAC The Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury administers and enforces a series of new laws that impose economic and trade sanctions against targeted foreign countries and their agents, terrorism sponsoring organizations and agencies, and international narcotics traffickers based on U.S. foreign policy and national security goals. Under these laws, financial institutes, securities firms, and insurance companies are obligated to block or "freeze" property and payment of any funds transfers or transactions, and to report all blockings to OFAC within 10 days of occurrence. Any institution in non-compliance is open to adverse publicity, fines, and even criminal penalties. Many of the sanctions are based on United Nations and other international mandates, are multilateral in scope, and involve close co-operation with allied governments. OFAC acts under presidential wartime and national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze foreign assets under U.S. jurisdiction. New Treasury Rules Recently, as an extension of the U.S.A. Patriot Act, OFAC created new Rules impacting on financial institutions. The objective of these Rules is to eliminate the flow of funds in any form to terrorists (broadly referred to as "money laundering"). These Rules require all U.S. financial institutions (banks, insurance companies, credit unions, etc.) to screen new customers against federal lists of known and suspected terrorists, with an emphasis on Specially Designated Nationals (SDN). Executive Responsibility Responsibility for this process will be held at the executive level, and must be a component of an executive involved and approved plan. U.S.A. Patriot Act, Section 326 Specifically, Section 326 of the U.S.A. Patriot Act calls for the following:
Be prepared for mandatory screening Screening for Blocked Persons is mandatory under OFAC regulations. Homeland Security meets your screening needs by providing all the tools and content you need to make sure you and your company stay on the right side of the law, and contribute to U.S. national security. Homeland Security
These features are supported by a real-time notification system. The Homeland Security E-Mail Alert System is configured to suit your needs. You don't need to rely on screening data-entry personnel to ensure senior management is fully informed. Reports are automatically dispatched by email to everyone on your institution's notification list — whether at your local, regional, or national offices — when a possible security breach is detected. Using Government Lists Can Be Time Consuming Homeland Security screens all your new accounts against Denied lists from several federal departments, commissions, and agencies, some available over the internet. Some of this information is not published by the government agencies, but appears only in the daily Federal Registry. Using these lists, one by one, is time consuming, cumbersome, inefficient, and extremely prone to errors. Comprehensive Screening Homeland Security provides the most comprehensive available service for Blocked Persons screening, including the following lists of particular pertinence to the new banking rules. Banking and Securities Blocked Party and Law-Enforcement Screening (Domestic)
Restricted Party Screening Homeland Security also covers all lists published by other government departments. Principally the Bureau of Industry and Security [BIS] of the Department of Commerce, and the Office of Defense Trade Controls [ODTC] of the Department of State (for exports and munitions orders) as well as the U.S. General Services Administration, and the Office of Inspector General.
The new OFAC regulations are not limited to banks. Insurance companies, securities and investment firms, and import/export trading companies are also subject to OFAC Rules. More specifically, Section 352 amends the definition of a financial institute to now include:
http://www.homelandsecurity-us.com/banking.html LOOKING AT APPLE'S STOCK - SHOWS HOW THE IQD RV CAN HAPPEN - by Anonymous This morning I saw on a Blog that is very dedicated to reporting about Apple and iOS that Apples Stock (AAPL) just went above $600/share today!!! For your reference, here is the direct link to the article: http://www.idownloadblog.com/2012/03/15/apple-stock-600/ You can also go to http://finance.yahoo.com (http://finance.yahoo.com/q?s=aapl&ql=1) and search "AAPL" ticker symbol to get highly detailed financial information on Apple. Now, how does this relate to the Iraqi Dinar (IQD)??? Okay, before I go any further, to keep the Attorneys happy, remember this is NOT investment advice or counseling, these examples are illustration only and have not been evaluated for accuracy. You must consult your own Professional Investment, Tax and Legal Advisers for relevant advice that best meets your own personal and unique situation. Well, if you may remember, just over 10 years ago, when Steve Jobs was brought back to "save" Apple from Financial doom, Apple's stock was trading around $6.50/share!!! I had purchased around a thousand shares back then, and I took a nice payout for holding them a while, but holy cow, if only I had waited 10 years, how rich would I be today for a small investment???!!! My investment in just AAPL, would have gained OVER 8,822%!!! Why is this example even relevant?
Well, back about 10 years ago, before Saddam Hussein pissed off the United States and the UN, the Iraqi Dinar was trading around $3.32 per $1.00 USD. Today, as you are aware, the sell rate on the www.CBI.iq website is: 1166 / and the buy rate is: 1164 IQD per $1.00 USD. As we all know, Saddam "ran Iraq into the ground" (by bringing sanctions and war on the people and country of Iraq). Now, the former CEO / Chairman of the Board of Apple didn't take Apple to war, but he did run Apple "into the ground" also. I hope you are following my parallels, sure there is a vast difference between a country and a corporation, but the financial principles I'm trying to get you to understand are actually more similar than you would at first believe or understand. Actually just after the war, when the United States "swapped" the IQD that had Saddam's face on it, to the current IQD currency we are familiar with (http://www.cbi.iq/index.php?pid=Banknotes) the IQD around 10 years ago was worth between 3,000 - 4,000 IQD to a $1.00 US Dollar!!! Over these past 10 years this has increased in value to the current rate of 1,166 I listed above. When Dr. Shabibi, the head of the Central Bank of Iraq (CBI) finally decides that everything the Iraqi Government is in order, he has said on several occasions that he will make the IQD very powerful and bring it back to what it used to be. Dr. Shabibi's words which have been reported and relayed here by the IQD Team and can be found on their website: www.TheIQDTeam.com - there is even a short video that was taken of him actually saying this. The IQD has already made Thousands of Investors HUGE Profits!!! Lets assume you were introduced to this opportunity to invest in IQD 10 years ago, lets see what would have happened if you had held them up to today. Had you invested say $10,000.00 USD back 10 years ago with purchasing the new IQD notes, you would have an investment that is now worth more than $30,000.00 USD!!! That is much better than some of the Top Mutual Fund Companies can do with that $10,000.00 - even at a higher 10% rate of return! So, now lets assume you are in the majority of people who have heard about this only within a short while, around a year or less. We don't get the gain as if we has learned about it 10 years ago. However, we are speculating (or maybe even gambling) that Dr. Shabibi will hold true to his word, and Revalue (RV) his Iraqi Currency (IQD) to what it was and historically has been - around $3.32 to $1.00 USD - up from the current rate of 1166 to $1.00 USD. In Conclusion.... This kind of gain, if it happens as we all hope, would be very exciting to say the least, and also a true life blessing of immense proportion for most importantly, the people of Iraq! Yes, the people of Iraq and NOT you and me!!! Remember, we were never supposed to learn of this! Only thanks to the Bush Administration allowing "The Future of Iraq Project" (http://www.theiqdteam.com/future-of-iraq-project--other-links.html ) document to be "leaked out", and also when G.W. Bush signed an Executive order making it legal for us to own the currency of a "terrorist nation" (which until Ch 7 is lifted is, I believe, their current "status" with the UN). Remember in your heart that this is NOT for "us", it is for the people of Iraq who suffered decades of tyranny by Saddam and his cronies. You must believe that you are only blessed to have this knowledge and foresight to purchase some for yourself, but only purchase what you can afford. Don't stop paying rent to buy IQD if you know what I mean! Thanks to Brenda for this Great Information
MY PRIVATE BANKING: Independent Advice to Get More out of Your Wealth Manager MyPrivateBanking.com is the first independent information and networking platform for clients of private banks and clients of wealth managers worldwide. MyPrivateBanking.com is not a bank but helps you to get more value out of your wealth manager. The founders have the vision to make wealth management a lot more transparent, cost efficient and client-focused – driven by their own experiences as clients of a number of wealth managers. We believe that for an informed decision clients need more independent, well-researched data and analysis on wealth management. Clients also need a platform to exchange experiences and information from client to client: First-hand, unbiased and anonymous. MyPrivateBanking.com aims to support private banking clients in all decisions that make or break the success of their investments: Choosing the best wealth managers, improving their wealth management strategy, lowering the cost of wealth management and optimizing the management of their wealth managers. MyPrivateBanking.com provides wealth management clients with the following value-added: Primary research by our experienced analysts on all topics related to improving wealth management Articles, news and updates that help clients on a daily basis to follow the world of Private Banking Directories and client ratings of banks that help the client make better decisions which wealth managers to select The networking platform “MyWealth” that gets clients of wealth managers in touch with each other, share their experiences and help each other to get more out of their wealth management. Portfolio Tools that allow members to track the allocation and performance of their portfolio and share their strategies, ideas and experiences with that of other users. MyPrivateBanking.com guarantees protection of its users and full independence. MyPrivateBanking.com is the only global platform targeted to wealth management clients that is completely independent of banks or other financial service providers. There is no funding by banks and there are no advertisements by wealth managers on our website. We are: Always on the side the client Definitely not sponsored by or linked to financial services providers Free and without obligations for users Safe to use because users stay anonymous Guaranteed spam free Source Private Banking Directory Listings http://www.myprivatebanking.com/Directory/DirectoryListing User Ratings of Wealth Managers & Private Banks http://www.myprivatebanking.com/Ratings/ Wealth Guides http://www.myprivatebanking.com/Category/Research/wealth-guides/ Don't forget to check out all of the other Private Banking Resources including Questions to Ask Source 20 Tax Changes You Need To Know About Several important tax changes took effect in 2011 that will impact federal income tax returns filed this April. While some of the changes are straightforward, such as the standard mileage rates, others, including the tax handling of foreign financial assets, may be more complicated. Following is a list of the tax law changes for 2011 Federal tax returns. Alternative Minimum Tax The alternative minimum tax (AMT) exemption amount increases for tax year 2011 to the following levels:
The alternative motor vehicle credit cannot be claimed for a vehicle bought after 2010, unless it is a new fuel cell motor vehicle. Capital Gains and Dividends Lower rates for long-term capital gains and dividends remain in effect for 2011 and 2012. The rate on long-term capital gains and dividends remains at zero for those taxpayers in the 15% income tax bracket and below; the rate is 15% for taxpayers in the 25% bracket and above. Most taxpayers will use new Form 8949 to report capital gain and loss transactions. Schedule D, the form that has been traditionally filed to show these transactions, is now used as a summary sheet. Child Tax Credit The 2010 Tax Relief Act extended the credit of $1,000 per eligible child through 2012. Designated Roth Accounts Taxpayers who rolled over an amount from a 401(k) or 403(b) plan to a designated Roth account during 2010 and did not elect to report the taxable amount on a 2010 return must report half on the 2011 return and the rest on the 2012 return. Due Date of Tax Return Because April 15 is a Sunday and April 16 is the Emancipation Day holiday in the District of Columbia, tax returns are due on Apr. 17, 2012. Estate Tax For individuals who died after 2010, the federal estate tax provides a $5 million exemption and a maximum 35% rate. These estate tax rules are scheduled to end following 2012. First-Time Homebuyer Credit In order to claim the first-time homebuyer credit for 2011, a taxpayer (or their spouse, if married) must have been "a member of the uniformed services or Foreign Service, or an employee of the intelligence community on qualified official extended duty outside the United States for at least 90 days during the period beginning after Dec. 31, 2008, and ending before May 1, 2010." For more, check out Top Tips For First-Time Home Buyers. Foreign Financial Assets For tax years beginning after Mar. 18, 2010, certain taxpayers may have to file the new Form 8938 with their returns. Form 8938 is used to report the ownership of specified foreign financial assets (including any financial account maintained by a foreign financial institution) if the total value exceeds a specified threshold. The threshold amount varies depending on if the individual resides in the U.S. and if the tax return is filed jointly with a spouse. It is a separate form and does not replace existing requirements for reporting foreign assets to the Treasury Department using Form TD F 90-22.1. Health Savings Accounts and Archer MSAs Beginning in 2011, the additional tax on health-savings account and Archer medical savings account distributions not used for qualified medical expenses has increased to 20% (up from 10% for HSAs and 15% for Archer MSAs). Also, starting in 2011, only prescribed drugs and insulin are considered qualified medical expenses. Income Tax Rates The 2011 rates carry over from 2010, but the income brackets are higher to account for inflation. The 2011 tax rate schedule can be found on page 273 of IRS Publication 17 "Your Federal Income Tax: Tax Guide 2011 For Individuals." Mailing Your Return The mailing address for paper returns may have changed because the IRS has changed the filing location for several regions. Taxpayers are advised by the IRS to read the "Where Do You File?" page at the end of the 1040 instruction booklet. Making Work Pay Tax Credit The making work pay tax credit has expired and cannot be claimed on the 2011 return. Energy Tax Credits for Homeowners The "25(C)" credit for energy-efficient improvements has been extended, but the amount of the credit has been reduced to a maximum of $500 per taxpayer per lifetime. Taxpayers who took the maximum $1,500 credit in 2010 are not eligible. Personal Exemptions The amount one can deduct for each exemption has increased to $3,700 (up from $3,650 in 2010). Repayment of First-Time Homebuyer Credit Taxpayers who must repay the credit may be able to do so without using Form 5405. Roth IRAs Unlike 2010 conversions, all income resulting from a 2011 conversion must be included in that year's return. For 2010 conversions, half of the resulting income must be reported in the 2011 return, and the rest in the 2012 return. Self-Employed Health Insurance Deduction For 2011, qualified self-employed taxpayers and S corporation shareholders can use the self-employed health insurance deduction to reduce income tax liability. The taxpayer must not be eligible to participate in an employer-sponsored health plan, and the insurance plan must be set up under the taxpayer's business. Premiums paid for health insurance for the taxpayer, spouse and dependents typically qualify for the deduction. The deduction is taken on Form 1040 Line 29. The deduction from self-employment income for determining self-employment tax, available for tax year 2010, no longer applies. Standard Deduction Increased The standard deduction for certain taxpayers who do not itemize their deductions on Schedule A of Form 1040 has been increased. The amount of the deduction depends on the taxpayer's filing status. The standard deduction for most people is $5,800 for single or married filing separately, $11,600 for married filing jointly or for qualifying widow or widower with a dependent child and $8,500 for heads of household. Standard Mileage Rates The standard mileage rate for the business use of a car, van, pick-up or panel truck has increased to 51 cents a mile for the first half of 2011, and 55.5 cents per mile for the second half. The Bottom Line The Internal Revenue Service's website provides detailed information on these important tax law changes. If you have questions about these changes or about your 2011 tax return, please consult a qualified tax professional. Please note: While every attempt has been made to provide timely and accurate information, this article should not be considered a definitive tax guide, nor should it replace the advice of a qualified tax professional. SOURCE FROM STRAIGHT TALKING MIKE THE IQD TEAM Sudden Wealth-Avoiding 12 Deadly Mistakes http://www.tgsfinancial.com/pdfs/Sudden_Wealth__Avoiding_the_Twelve_Deadly_Mistakes.pdf Thanks to Dinar Recaps for this Great Post and information The IQD Team DOES NOT endorse any legal, tax, or professional individual or group. All material is provided for information purposes only. Read, and study all material before making your decision, as well as consult any and all professionals. How to Remove your personal information from Spokeo.com
You may want to check out http://www.spokeo.com to see what personal information is there. Spokeo.com is a new online phone book w/personal information: everything from pics you've posted on FB or web, your approx credit score, home value, income, age, etc. You can remove yourself by first searching for yourself on their site to find the URL of your page and going... to the Privacy button on the bottom of their page to remove yourself which takes you to http://www.spokeo.com/privacy. Pass this onto those you care about. Thank you to one of our listeners who shared the information about www.neighbors.whitepages.com
If you are listed on this site and you want to remove it, follow the instructions below by going to www.whitepages.com: How can I remove my listing information from WhitePages? Easy. To remove a home or work listing, just follow these three steps: Search WhitePages for the listing you want to remove. If your search includes multiple results, find and click on your name. On the Details page, scroll down to the bottom of the page. Look for the link that says, "Remove this listing." Click the link and follow the instructions to remove your listing. Following this process will remove published listing information (e.g. name, address and phone number) from WhitePages. Removing your published listing information will not remove information displayed through advertisements or other pages where non-listing information is displayed. For example, when doing a reverse phone search, we will return the city, state and phone "type" if full listing information is not available. On our "Names Popularity" pages we provide general information about names. No personally identifiable listing information is displayed in these cases and this information cannot be removed. More information about White Pages: Hi. We know that managing your privacy in today's info-rich world can be daunting. We'd like to help. Use this page to learn more about listing information published on WhitePages, as well as other resources that you may find helpful. Our Privacy Policy To learn how we collect, use, share, access and secure the information you may provide to us, please read our Privacy Policy. Common Questions Here are the questions we frequently hear from our customers about WhitePages and our approach to privacy. What is WhitePages? Is WhitePages the "phone company"? Where do you get the information for your listings? Why does WhitePages include age ranges, job titles and other info? Why does WhitePages include maps and directions? How can I remove my listing information from WhitePages? Will WhitePages re-publish listing information after it's removed? What other ways can I protect my information? Are there other "people search" sites that sell personal information? What is WhitePages? WhitePages is a privately-held company located in Seattle, WA. Our purpose is to make it fantastically simple for everyone to connect with confidence. Is WhitePages the "phone company"? No. WhitePages is not owned by or affiliated with any phone company. Where do you get the information for your listings? We get our listing information for home and work listings in these three ways: Publicly Available Information Sources This is what it sounds like: information that's available to the public. It includes addresses, street names, cities, states and ZIP codes. Other examples of publicly available information include published phone directories and information published on the Internet. Third-Party Data Suppliers Information from third-party data suppliers originates from a variety of sources. It may include publicly available information, such as phone directories, as well as information from other sources. For example, people often provide name, address, phone number, email address and other personal information when filling out forms for contests, sweepstakes, subscriptions or other similar offers. Often, this information can be shared with third parties. Whenever you provide personal information – either online or offline – you should understand how the information will be used and whether it can be shared with third parties. Member-Published Listings We obtain a portion of our listings from members who add their cell phone number or email address directly to our website. Member-added listings have this logo next to their listing: Member-added listing icon If listing information is not on WhitePages, it is either unavailable or has been removed from our websites. You can choose to remove your listing from our site. To do so now, click here. Why does WhitePages include age ranges, job titles and other information? Our goal is to make it fantastically simple for everyone to connect with confidence. Based on extensive feedback from our members, attributes such as age and occupation are helpful in identifying the person they are searching for, especially if there are multiple results for a search. Why does WhitePages include maps and directions? Because our members want them! We do a lot of research and talk frequently with members. They overwhelmingly say that maps and driving directions are two of the most important and useful features on WhitePages. How can I remove my listing information from WhitePages? Easy. To remove a home or work listing, just follow these three steps: Search WhitePages for the listing you want to remove. If your search includes multiple results, find and click on your name. On the Details page, scroll down to the bottom of the page. Look for the link that says, "Remove this listing." Click the link and follow the instructions to remove your listing. Following this process will remove published listing information (e.g. name, address and phone number) from WhitePages. Removing your published listing information will not remove information displayed through advertisements or other pages where non-listing information is displayed. For example, when doing a reverse phone search, we will return the city, state and phone "type" if full listing information is not available. On our "Names Popularity" pages we provide general information about names. No personally identifiable listing information is displayed in these cases and this information cannot be removed. Will WhitePages re-publish listing information after it's removed? We take steps to block the re-publication of listing information that's been removed by a member. However, similar listing information may be published. Here's why: if you move or change your name, a listing with your new information may appear on WhitePages. There's nothing we can do about that. But, you can always remove new listing information that may appear. We encourage you to visit WhitePages regularly to check for newly published information. If you choose, go ahead and remove it. What other ways can I protect my information? There are a number of steps you can take to control how and where your listing information appears on the Internet. Understand the fine print on "free" offers. When something is advertised as "free" it often means that – in return for a free service or chance to win a prize – you must provide information about yourself. If you're concerned about having your info shared with third parties, be sure to read the fine print before you hand over your name, address, etc. Read websites' privacy policies (and other fine print). Privacy policies tell users how their information is collected, used and shared. Be sure to read a company's privacy policy before providing any personally identifiable information. It's also a good idea to review the terms of use/service to understand a company's principles regarding your use of their products and services. Get a P.O. Box. One of the most effective and inexpensive things you can do to keep your home address private is to get a post office box. Once you have one, submit a permanent change of address to that P.O. Box and use that address when filling out forms and applications. Taking these steps helps reduce the circulation of your home address, both online and offline. Use available technology. Here are a few useful technologies that protect your information: o Block "caller ID" on your phone. o Use spam-blocker, anti-virus and anti-spyware software on your computer. o Obtain your annual free credit report online. There's only one online source authorized to do that, and it's here: annualcreditreport.com o Set your web browser's privacy settings to your preference. Be vigilant. WhitePages offers a fast, easy and free method for you to remove information from our websites. Click here. Unfortunately, not every company that publishes listing information offers the same level of service. Your ability to control personal information held by offline companies is even less accessible. If there is not a clear path to remove your information from a company's website or records, we recommend that you contact the company directly to request the removal of your information. Persistence is often the key to success. Develop a personal privacy routine. Create a privacy schedule and set reminders for yourself. Spend time searching for and removing information that you wish to keep private. By establishing a sensible, recurring, privacy-centric routine, you will be better able to control and maintain your privacy preferences. Other helpful websites. Below are links to some resources that will help you further protect your privacy. Free Annual Credit Report: http://www.annualcreditreport.com/ FTC Do Not Call Registry: http://www.donotcall.gov FTC's ID Theft Resource Center: http://www.ftc.gov/bcp/edu/microsites/idtheft/ BBB Online Privacy Tips: http://www.bbbonline.org/understandingprivacy/toolbox/tips.asp Network Advertising Initiative: http://www.networkadvertising.org/index.asp Are there other "people search" sites that publish or sell listing information? Listing information – your name, address and phone number – is available through a number of websites and third parties. Controlling your listing information on WhitePages is just one step in protecting the privacy of your information. To understand the availability and use of listing information, here's a list of several websites that publish or sell listing information in some form. Addresses.com AnyWho.com Classmates.com Dexknows.com Facebook.com Intelius MySpace PeopleFinders.com PIPL.com PublicRecordsNow.com MyLife.com Spock.com Switchboard.com USA People-Search US Search Yahoo! People Search Wink.com ZabaSearch (NOTE: The inclusion of the links above does not imply endorsement by WhitePages. All registered trademarks and service marks are used for reference purposes only, and remain the property of their respective owners. WhitePages makes no representations or warranties with respect to how the companies listed above handle your personal information. You should visit each company's website to learn about their privacy policies and respective opt-out procedures. We encourage you to read and understand the privacy policy and information practices of all companies with whom you share any personally identifiable information.) Source SUDDEN WEALTH BOOKS & RESOURCES WEALTH MANAGEMENT IN ANY MARKET
SUDDEN MONEY: MANAGING A FINANCIAL WINDFALL
Sudden Wealth: Additional Books & Resources
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