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6pm, October 14th, 2012  

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Our Blog Posts
Dinar Recaps Weekly Email Schedule
Should You Move Your Money to A Credit Union?
Tidbit Rumors & Opinions - Post By Leo GET Forum
Blaino Update - Post By Junebug Dinarian Chat
Sunday Afternoon Dinar Chatter, Rumors and Opinions
Med & Member Chat - Post By GLK Dinar Speculator
Michigander Articles & GET Team Members Chat
Tidbit Rumors & Opinions - Post By Dinar Detectives
SWFG Thoughts and Opinions at MIG Sunday Afternoon
Med Articles & Member Chat - Post By GLK Dinar Speculatorr
News, Rumors, and Opinions Sunday Morning in Dinarland
Top Saving Mistakes To Avoid - By Angela Wu
National Prayer Call Tonight 9PM EDT
Words of Encouragement and Praise from DebTarHeelGirl Sun. AM
The posts shaded in green are on our Iraqi News page
The below posts were in our 11am email
Sunday Afternoon 4pm (ET) Wangdang Conference Call
Top Banking Mistakes To Avoid - By Angela Wu
Ten Things You're Embarrassed To Ask About Saving
Ten Things You're Embarrassed To Ask About
Med & Member Chat - Post By Ksdunlap Dinar Speculator
BWM in chat at 3S's Saturday night
Late Saturday Night Dinar Chatter
TerryK in chat at GET Saturday evening
"Thank You" From the Dinar Recaps Team
Something Fun from Jesus' at KTFA Forum Sat. Evening
Wonderful Story Emailed to Recaps Saturday Afternoon
The posts shaded in green are on our Iraqi News page
© Copyright DRT Distribution, LLC All Rights Reserved
Dinar Recaps Weekly Email Schedule



Should You Move Your Money to A Credit Union?

Should You Move Your Money to a Credit Union? Alden Wicker

You wouldn't normally think of credit unions as sexy or hip.

They don't have glossy ad campaigns and beautiful branches on every street corner. Even their basic definition-non-profit financial co-ops-sounds boring.

But these days, more and more Americans are clamoring to join the club of credit unions because of their low fees, higher interest rates on savings accounts and lower interest rates on loans.

Because they are non-profit, credit unions are the only financial institutions that go out of their way to serve low-income clientele. But you'd be wrong if you think that's the only group they serve. Anyone can benefit from the low-fee, low-rate products that credit unions specialize in. And in fact, many more people are.

After a furor erupted over new debit card fees announced by several commercial banks in September, 650,000 customers have switched to credit unions, depositing $4.5 billion in new accounts. (That's the same amount as existing credit union customers across the country had been depositing in an entire month.) Those bank fees have since been rescinded, but the bad taste in many Americans' mouths remains.

Just take the wildly successful "Bank Transfer Day" on November 5th, organized by Los Angeles small business owner and former Bank of America customer, Kristen Christian. This particular party, to which she at first invited 500 of her friends on Facebook, ballooned to 75,000 RSVPs within a month. On that Saturday, thousands of disgruntled customers closed their accounts at large institutions and sat down with a credit union employee to open an account. It's too early to tell exactly how many people moved their money, but we do know that 54% of credit unions saw growth.

Should you join the party? We spoke with Greg McBride, senior financial analyst at Bankrate.com, to see if credit unions might be a good choice for you.

Why You Should Go With a Credit Union

The Same Basic Financial Services

Credit unions may have different names for their services, like share accounts (savings accounts), share draft accounts (checking accounts) and share term certificates (certificates of deposit), but they work the same way bank accounts by different names do.

Credit unions also offer online banking and credit cards. And if you're worried about finding an ATM when you need it, McBride says, "Many credit unions belong to large surcharge-free ATM alliances that open up thousands of ATMs around the country." These networks have even more ATMs then Bank of America or Chase.

Lower Fees and More Savings

Because credit unions are not-for-profit (unlike banks), they use excess earnings to give their members lower fees, higher rates of return on savings accounts, more affordable loans or new services. Compare the median annual credit card fees for credit cards-$25 at credit unions and $59 at banks-and the median overdraft fee-$6 at credit unions and $10 at banks.

And more than three-fourths of credit unions offer no-strings-attached free checking, while only 45% of banks do. As of late September, the average interest on a savings account at a credit union was higher than at a bank: 0.23% over 0.17% for a $1,000 savings account, or 0.28% vs. 0.18% for a $2,500 money market account.

You're the Boss

Instead of shareholders owning the bank, each member of a credit union owns a piece and gets one vote-regardless of how much money he or she keeps at the union-to elect the Board of Directors. In turn, the Board of Directors decides the interest rates, fees and other practices. So if you don't like what is going on, you can vote the offending board member out. Plus, having local owners instead of shareholders running the show changes the timbre of service you get. Here's why.

Better Customer Service

Since "customers" are technically owners, your local credit union will likely get to know you and work with you to meet your needs. All that individual attention means that credit union customers tend to be a pretty satisfied bunch: Almost 90% of credit union clients plan to stay, while only 60% of customers at big banks plan to do so.

Why You Should Think Twice

Payday Loans

We are never fans of payday loans, which are personal loans that come with exorbitant interest rates that take advantage of low-income customers and plunge them into a cycle of debt. For the most part, credit unions offer low-cost, financially healthy alternatives paired with counseling.

But a few credit unions, 25 to be exact, are doing exactly what they purport to save customers from: handing out loans that charge 300% or more. So, be sure to avoid any credit union that is on this list, and if you must take out a personal loan, don't agree to one with interest rates above 28% per year or a high "application fee." A reputable credit union with your interests in mind will offer a loan with an interest rate of around 10%.

Not Always Federally Insured

Bank accounts at both commercial banks and at most credit unions are insured by equally safe government bodies (the Federal Deposit Insurance Corporation, or FDIC, for commercial banks, and the National Credit Union Administration for credit unions). But notice we said "most" credit unions: Watch out for the few state credit unions that have private insurance, because that is not as safe as a government guarantee.

For instance, if several credit unions insured by one private company fail at once, that insurer may not be able to cover the deposits (as happened with American Share Insurance in 2009 and 2010). So, make sure your credit union is federally insured. As Bankrate's McBride says, "The presence of federal deposit insurance means the risk of the institution failing is their problem-not your problem."

Late on the Technology Curve

If you're a tech/smartphone junkie, you should know that credit unions tend to adopt tech innovations later than commercial banks. For instance, many of them are still in the process of developing mobile banking services and mobile-phone check depositing. It's not as though they'll never adopt these innovations. They just tend to get to them a bit later. (For example, LearnVest's My Money Center is unable to link every single credit union, though it does support many.)

Members Only

Unlike a regular bank where you can walk in off the street and open an account, many credit unions have specific requirements. Some are affiliated with the military, some with universities, some with large employers or certain industries and some require that you be part of a certain church or club. Some just ask that you live in a certain town or area.

You'll have to do some work to find one you can join, though it should be possible for almost anybody. You can start by searching for a credit union by geographic location or your affiliation to an industry or employer with three websites: NerdWallet.com's Credit Union Finder, aSmarterChoice.org and CULookup.com.

Why You Shouldn't Go With a Credit Union

You Tend to Relocate Often

This is only a downside if you want local branch access (and if you're searching for a mortgage or car loan, you likely will): Because many credit unions are affiliated with a location or an employer, if you're young and switch jobs or move before settling down, your credit union will no longer be nearby. (But you can never be kicked out for moving. "Once you're a member, you're always a member of a credit union," says McBride.)

Signing up with a national bank like Bank of America allows you to move to almost any new city, with the only chore being changing your mailing address online. But if you're a member of a local credit union, move to a new state and want in-person branch access, you'll have to search for a new financial institution and move your account. (Also, some credit unions belong to networks that allow their customers to walk into a partner credit union and use it as if it were their own.)

No Wealth Management Services

"If you are a high-income, high-net worth consumer that needs a lot of personal banking options like private banking services and wealth management, credit unions cannot provide that," says McBride. But for people in need of all the basics-checking account, savings account, car loan and mortgage-a credit union can work just fine.

The Bottom Line

As with any financial decision, the choice you make should be right for you. That means you should be fairly certain before joining a credit union that you won't need the wealth management services that they lack, or that you won't be moving locations anytime soon, or that if you do move, you'll be satisfied with online banking, etc. And vet your options carefully. As noted above, some credit unions are better than others.

Above all, do your homework and figure out whether a credit union or bank better meets your needs, in terms of services, rates and locations. As McBride points out, "Credit unions tend to offer higher rates on deposits and lower rates on loans. So for consumers who are seeking the best deal, credit unions need to be included in your comparison shopping."

http://www.learnvest.com/knowledge-center/should-you-move-your-money-to-a-credit-union-464/ 


Tidbit Rumors & Opinions - Post By Leo GET Forum

10-14-12 Easyrider: You have to ask yourself what have they accomplished while Maliki is there? Hmm no NM, no HCL, no chapter 7 release. The guy is obviously a puppet for Iran. Hes done his best to block a lot of important things because of power and greed now he is trying to accuse shabbs because he wants to take over the CBI. This is just getting ridiculous. It's time for them to show him who is Boss, Talabani needs to buck up and the majority need to get him out of there.

10-14-12 LoriC: I believe Maliki is making false accusations against the Shabibi and leaking statements to the press from anonymous sources to set up a CBI takeover and further his grip on the country of Iraq. This is a huge mistake for him. The US, China, Russia, IMF, World Bank etc., will never let this happen with so much riding on this.

The world needs this bad with the global financial crisis reaching it's boiling point and the Prime Minister of Iraq is not going to get in the way of a plan that has been in the works for a decade.
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Blaino Update - Post By Junebug Dinarian Chat

{First part of Blaino Update is in reference to a question / concern that was brought up in morning chat and covers his "opinion" -- Further down the post will be Blaino's Recent Update on the Investment}

4:17 PM junebug: Blaino: I have been assailed about the latest Executive Order from BEBS.... STAND BY FOR ::::::::::::::::: OPINION!

4:20 PM junebug: Blaino: AGAIN... IN MY OPINION

4:20 PM junebug: Blaino: OK, ON THE EO::::::: (executive order)

4:22 PM junebug: Blaino: NOTHING I CAN FIND IN THERE "APPEARS" TO AFFECT OR EFFECT US IN ANY WAY....
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Sunday Afternoon Dinar Chatter, Rumors and Opinions

[bryan1972] Congrats to all, We all have made History!!! guiness book of worlds records called and said that the rv broke the record for being the worlds longest roller coaster ride!!!! lol

[Imperium] If they would only revalue their currency, the rest of the world would begin using it in commerce and they would have all the funds they need.

[Precious]sound like the people are mad because the dinar increased in value months ago and they did not know it lol

[heartfelt] So it sounds like there was a revalue and they have been keeping it from the US and others?

[heartfelt] smoke?

[Precious] yes

[Imperium] ... with strong asset backed purchasing power!

[Precious] could be smoke or truth

[stargate] Imperium Why would other countries be using Iraq's currency for commerce? Iraq has very little to export except for oil which is sold in USD.
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tudor says to (11:13:24): got my heart pumping this morning with the posts , glad its back to normal lol

Med says to (11:13:34): I TOLD CHEEKS NOT TO WORRY I KNOW IT HIT HIM HARD BUT I NEVER PAY ATTENTION TO MORNING BAD NEWS

tudor says to (11:14:03): yep, dealing with Iraq, you just have to wait for a counter

Med says to (11:14:05): PLUS WE ARE TALKING ONE OF THE MOST INFLUENTIAL MEN IN THE ARAB WORLD

tudor says to (11:14:33): for sure the most honest to IMO

Kitchendesigner says to (11:14:41): Yeah, that is what I was thinking

Med says to (11:14:42): THE STATE IS BEGGING FOR PEOPLE TO LET THEM HARM HIM TO DESTROY HIM AND CBI
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Michigander Articles & GET Team Members Chat

3:13 PM [tina] hi Michigander~~~~~~~~~
3:14 PM [michigander0131] 10/13/2012 12:00 am Architecture - Saad Hasan Discussed a workshop organized by the Office of the representatives of the Iraqi parliament in the province of Maysan on the mechanism of deleting three zeros from the Iraqi currency was attended by representatives of Maysan MPs Mohammed Saadoun Chihod Rafi Abd al-Jabbar Noshi and professors from the University of Maysan and bank managers and specialists affairs and financial arithmetic and Mmmthelo civil society organizations in the province.

one of the requirements of the current stage and economics Iraq now need to reform and placed the deletion of zeros is one of the economic reforms that elevate the Iraqi economy to the level of our ambitions, but Multi deleted zeros do more harm than good at this stage.

This big mistake must approve the deletion of zeros is everyone's participation in policy-making Economic by the Iraqi parliament and the Central Bank of Iraq and can not be of the Iraqi Central Bank to be alone with the process of deletion of zeros
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Tidbit Rumors & Opinions - Post By Dinar Detectives

10-14-12 Butifldrm: This is crazy. Something is going to POP. I don't believe the US would allow Shabibi to be arrested. Plus, isn't Shabibi in Tokyo?

Hopefully this is just more NA propaganda. "Regulatory source revealed the issuance of an arrest warrant against CBI Governor Shabibi, sources revealed his escape outside Iraq.

The source, who spoke on condition of anonymity for said that an arrest warrant issued against Iraqi Central Bank Governor Shabibi for his alleged involvement process monopoly of the dollar and money laundering."

10-14-12 Moneysoon: "Shabibi known at the international level for his national courage, competence and integrity. Criticized what it called targeting the Iraqi Central Bank and the attempts by some political forces to undermine the independence of the Bank guaranteed by the constitution of Iraq and Iraqi laws and international."
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SWFG Thoughts and Opinions at MIG Sunday Afternoon

[SWFloridaGuy] I've read a bunch of posts lately where people are saying this is out of Iraq's hands. I respect their opinion and just wanted to offer my views on the subject.

[SWFloridaGuy] Is this about Iraq or are they out of the picture? Some investors maintain that according to their contacts this has been out of Iraq's hands for over a year and that Iraq's upcoming economic reforms are not about the country of Iraq because this is really about the PTB, good guys vs bad guys, etc. (notice they never provide details). This, in my opinion, is utter nonsense.

That's like saying my winning the lottery and then protecting that wealth would have nothing to do with me because I was instructed by some entity on how to get to the store to buy the ticket. This has everything to do with Iraq and I don't know how many years have to pass before people realize that their secret contacts were off the mark and all is not done, but rather a work in progress that is not on our time-frame. Iraq must have enough political stability to ensure the success of the economic reforms.

[SWFloridaGuy] If you don't believe that the economic reforms being delayed were due to the political unrest then you don't believe what the UNSC has said in open session, the IMF and World Bank have said in countless meetings, SIGR reported to our Congress, the Finance Committee and even the CBI itself all listed as the preeminent imbroglio which must be rectified before they can move forward.
.... 


Med Articles & Member Chat - Post By GLK Dinar Speculatorr

Med says to (05:44:47): HOLD ON OK YOU ALL NEED TO READ THIS IT IS BIG NEWS VERY BIG

LINK

BAGHDAD / Obelisk: A member of the Finance Committee, which investigated suspicions of corruption in the operations of the Central Bank of Iraq and the auction Haitham al-Jubouri the issuance of an arrest warrant against Iraqi Central Bank Governor d. Shabibi and two of his advisers and employees rank of director general.

Jubouri said in a statement singled out the "obelisk" that "the Supreme Judicial Council on Thursday issued an arrest warrant against Iraqi Central Bank Governor Sinan al-Shabibi and two of his advisers, without disclosing their names and rank of director general officer."
... 


News, Rumors, and Opinions Sunday Morning in Dinarland

[devildogmom] : I pledge allegiance to the flag of the United States of America, and to the republic for which it stands, one nation under GOD, indivisible, with liberty and justice for all. God bless the troops, God bless America and her allies, and God bless all of you!

blue skies] cruiser what's the good word for today?

[cruiser] blue skies Really do not have too much to say. Nothing has changed.

[calibeach] cruiser Do you think they will remove Maliki before they will revalue their curency?

[cruiser] calibeach I really do not follow Iraq. Since I believe they are done and in the same position we are in. Waiting!

[xyz] cruiser hunting animals follows the scent of the target. imagine iraq is the scent and taget is the rv lol

[cruiser] I am gonna run. Time for breakfast. I would like to thank all of you. This is a great group of people who will do great things in the coming future. I also would like to say thank you to those who have worked behind the scenes and fought tirelessly for all of us. I may never get a chance to meet you personaly, but please know that I, as well as many others appreciate all you have done!

[rustyc] cruiser hope some day you can share all the behind the scenes stuff I'm sure there are things you cant say right now!
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Top Saving Mistakes to Avoid By Angela Wu

When there are loans to be paid and birthday gifts to be purchased, it may seem like saving money is your last priority. But in the long run, regularly contributing to your financial security pays off.

We've put together a list of the top mistakes to avoid when you're building up your savings. The biggest of all? Not starting.

1. Forgetting to Make Saving Part of Your Monthly Budget

What we mean: Think of saving as a regular habit, like paying rent.

Why not: If you don't work savings into your budget, you're likely never to do it. Nearly 40% of recently surveyed Americans reported no non-retirement savings at all. The easiest way to avoid ending up in this situation is to put a little away each month.
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National Prayer Call Tonight 9PM EDT

National Prayer call Posted by DebTarheelgirl

Dinar Investors! Join us Today, Sunday Oct. 14-2012 , 9pm EDT for an evening of Praise and Thanksgiving.

Conference Line: 1-805-360-1000 code: 1016947#

Feel free to forward to other Dinar Intercessors
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Words of Encouragement and Praise from DebTarHeelGirl Sun. AM.

Good Morning Everyone,

Ephesians 1:11-12 (MSG) "It's in Christ that we find out who we are and what we are living for. Long before we first heard of Christ and got our hopes up, He had His eye on us, HE had designs on us for glorious living which is part of the overall purpose He is working out in everything and everyone" - Folks GOD has ordained us to be here for such a time as this...

GOD has ordained us to be a part of HIS plan in this very hour... Yes all of us have prayed Lord help us in our financial department - lots of us have gone through horrendous financial trials - some due to the choices and mistakes we made and some due to the enemy that has come to steal kill and destroy...Let's take a stand today to confess that the trials we have gone through have caused us to become better stewards - and choose to walk out in stewardship the principles we have learned, and ask him to continue to teach us so we can learn more

- the bible says to study to show ourselves approved.. Therefore tonight let's make a decision to inquire of the LORD to reveal to us HIS will about this outpouring of this SOON coming financial wealth...
....

The below posts shaded in green
are on our Iraqi News page

Trade: international companies heading to work in Iraq for being an open market to attract investment

Trade: international companies heading to work in Iraq for being an open market to attract investment Sunday 14 October 2012

BAGHDAD - babysit : Trade Minister Khairallah Hassan Babiker be directed international companies to work in Iraq came to being a good and open market to attract a lot of investment, especially after the economic recession in Europe and some other countries of the world.

He said, according to a ministry statement, Iraq sought to build political and economic relations with many countries of the world, which in turn gave a clear vision that in the process of reconstruction in the economic and trade fields, including infrastructure. 

A parliamentary file for "obelisk" the issuance of an arrest warrant against Shabibi

A parliamentary file for "obelisk" the issuance of an arrest warrant against Shabibi Sunday, October 14 2012 10:22

BAGHDAD / Obelisk: A member of the Finance Committee, which investigated suspicions of corruption in the operations of the Central Bank of Iraq and the auction Haitham al-Jubouri the issuance of an arrest warrant against Iraqi Central Bank Governor d. Shabibi and two of his advisers and employees rank of director general.

Jubouri said in a statement singled out the "obelisk" that "the Supreme Judicial Council on Thursday issued an arrest warrant against Iraqi Central Bank Governor Sinan al-Shabibi and two of his advisers, without disclosing their names and rank of director general officer."

Jubouri said that "the arrest warrant and responded to Parliament a copy of issue of the Supreme Judicial Council on Thursday." 


Majority government would be a lifeline to the owners

Majority government would be a lifeline to the owners 14-10-2012

Haider Abbas Naddaw: Will not be able to Prime Minister Nuri al-Maliki to change the reality and overcome the many mistakes that accompanied Sir government of national partnership, both in the electoral period the first of the Ministry of Maliki or in the electoral period the second live Arhasatha and challenges, problems and crises real and contrived, which are in the final stages did they have left plenty of time before they reach the stage of dying and clinical death, and because Alssed Maliki does not have the courage to declare failure and the failure of his government to achieve progress Almlos or address outstanding problems because of mismanagement and exclusivity, he insisted that the imbalance in the government partnership, and not in the curriculum, management and trust.

And he head back Saying Macalt Hanan. Whether government was formed political majority or not formed and the situation remains as it is going on in the orbit of industry and fabricating crises that live off them the Maliki government, all endings lead to a result and one which combustion period remaining life of the current government without seeing Citizen Iraqi any trace of the presence of a real state and at all levels, but the justifications and excuses that argue the current government of each failure and the decline will throw on the peg government of national partnership and will find it cheering for this discovery will be the prime minister to dissolve all the mistakes and misdeeds, corruption and blood given by the Iraqi people and that was he can get rid of them if I give the field and was able to achieve a political majority government that aspires Maliki also leads the wolf-led sheep. 

Wikileaks: Barzani involvement and Shaways, business corruption and smuggling operations with funds and former Defense Minister Hazem Shaalan

Wikileaks: Barzani involvement and Shaways, business corruption and smuggling operations with funds and former Defense Minister Hazem Shaalan Sunday 14 Oct 2012

Revealed WikiLeaks mail for a new document issued by the U.S. embassies in Baghdad and Amman indicate involvement brother Iraqi Deputy Prime Minister Ruz Nuri Shawis and Iraqi businessmen in the smuggling of funds hundreds of millions of dollars out of Iraq and Jordan in particular, and make arms deals and fake with the Minister former Defense Hazem Shaalan knowledge Chairman of Iraq's Kurdistan region Massoud Barzani and Iraqi Deputy Prime Minister Ruz Nuri Shawis then-President Ghazi Ajil al-Yawar.

The secret document published by the website Wikileaks released on 28 / June / 2005: It is in the context of the audit in the news recently received about deposits and extensive in Jordanian banks by the staff in the Iraqi government, he received an official at the Jordanian Embassy in Iraq on information indicating that the company Fake affiliated to the Iraqi Ministry of Defense deposited more than $ 400 million in the number of Jordanian banks during the past several months.

It also said the sources pointed out that the company was established phantom by a clandestine group in the Department of Defense and most of those sources, businessman senior Iraqi living in Jordan, named Talal al-Gaood, has stated that provides information obtained from a former senior official in the Ministry of Defense and managers in two Jordanian banks are the National Bank of Jordan and the Housing Bank for Trade and Finance, according to the document.  

Iraqi condemns targeting of the Iraqi Central Bank of some political forces

Iraqi condemns targeting of the Iraqi Central Bank of some political forces 14/10/2012

Brother Baghdad: Denounced the coalition in Iraq targeting the Central Bank of Iraq and the attempts by some political forces to undermine the independence of the Bank guaranteed by the constitution of Iraq and Iraqi and international laws.

Said Maysoon al spokeswoman coalition in Iraq in a press release, the agency received news news (et) a copy of the independence of the central bank needed to keep the dinar exchange rate and protect the currency and prevent inflation, particularly that Iraq over the bitter experience in the nineties of the last century when collapsed currency between overnight because of the reckless policies of the former regime. 

Iraqi List condemns targeting central bank

Iraqi List condemns targeting central bank  10/14/2012 11:00 AM

Uzmatk _ Baghdad : Denounced the Iraqi List, targeting the Central Bank of Iraq and the attempts by some political forces to undermine the independence of the Bank guaranteed by the constitution of Iraq and Iraqi and international laws.

Said Maysoon al-speaking on behalf of the coalition, the Iraqi official In a statement received "news agency Uzmatk" copy today Sunday that the independence of the central bank are necessary to maintain the exchange rate of the dinar and the protection of the currency and prevent inflation, particularly that Iraq over the bitter experience in the nineties of the last century when the currency collapsed between overnight because of the reckless policies of the former regime.
 

Source: local and international intervention preventing arrest Cpie impact demand sacking four managers in the Central Bank on corruption charges

Source: local and international intervention preventing arrest Cpie impact demand sacking four managers in the Central Bank on corruption charges Sunday, October 14 2012 15:06

Baghdad - where: A source in the parliamentary committee tasked with investigating the processes of corruption and money laundering in the central bank, demand Bank Governor Sinan al-Shabibi Prime Minister Nuri al-Maliki to sack the four bank officials involved with corruption.

The source told all of Iraq [where] that "Shabibi Maliki's request three years ago to dismiss four of the managers in the management of the central bank for being responsible for what is happening corruption in the bank, but the latter rejected this demand." 


The below posts were in our 11am email
**WANG DANG CONFERENCE CALL**

SUNDAY, OCTOBER 14,2012 AT 3  PM CST

DIAL IN 530-881-1300 PIN 111646

PLAY BACK 530-881-1399 PIN 11646 (AFTER CALL) 

MP3 RELEASED AFTER CALL

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Top Banking Mistakes to Avoid   By Angela Wu

Remember the good old days, when all you had to do was slip your allowance into a piggybank? Sad to say, your bank is a lot more complicated than that now, though last time we checked, piggybanks don't pay interest or extend loans.

You interact with your bank every time you deposit a check or get money from the ATM, so you may think you're familiar with how it works. But don't think that's all you need to know. To make sure you get the most of out of your bank accounts, we've put together a list of banking mistakes to steer clear of, with tips on how to avoid them and how to get out of the problem if you've already gotten into it.

1. Keeping Your Checking and Savings Accounts at the Same Bank

    What we mean: You should choose one bank for checking, and another for your savings accounts.
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10 Things You're Embarrassed to Ask About Saving   By Angela Wu

Saving, in theory, seems simple: You put some money away and keep your hands off it for a while. But when you have so many other competing real-world demands on your money-from student loans to a desperately needed car repair, exactly how you apply the principles of saving gets more complicated.

We've put together a list of some of the most common savings-related questions you'll need to understand to start saving responsibly.

1. What should I be saving for?

Separate your savings into three main categories: emergency fund, retirement, and goals.
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10 Things You're Embarrassed to Ask About Banking  Paul Sisolak of Go Banking Rates


You check your Financial Inbox every day, so you always know not only what's going on in your bank account, but where every dollar went.

But even though you know the ins and outs of your own banking universe, you may not know how the whole system works or what you should do if something goes awry. Read our answers to 10 questions you might be embarrassed to ask about banking so you know what to do when you or your friend have an overdraft emergency or ATM snafu.

1. Why are there so many different types of banks? Don't they all do the same thing?

Technically, yes. All banks operate on the same principle: Customers deposit their money for safekeeping into a bank, and the bank earns its income by charging fees to customers for the service they provide. But different types of banking institutions cater to different clientele.
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SallyDS (19:12:41): I did a google search on today;s date and Maliki and came up with this - Tentative Deal in Iraq Keeps Maliki in Power Iraq's leaders reached a tentative agreement to end an eight-month political impasse and return Nuri Kamal ... But can't find the rest of it....has anyone seen anything like this?

well...guess not so far.

mpw: no i havent sally sorry

SallyDS: thank you....I looked at the news source but I can't find that either...so...don't know.

Med (19:18:54):I WANT TO READ AN ARTICLE IN THE FORUM I WILL BBIAB

mpw: Ok hurry back med

Med: OK BACK I WAS THINKING ABOUT SALLY DS'S COMMENTS AND WHAT SHE GOOGLED  AND THE BEGINNING OF THE ARTICLE ON THE 8 MONTH POLITICAL IMPASSE THAT STATEMENT IS NOT FROM TODAY  IT IS FROM 2 YRS AGO TODAY WHEN THEY SETTLED THE POLITICAL IMPASSE OF 8 MONTHS
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BWM: Hey Tony

Scotzgirl: BWM is the 15th a real deadline as some are saying?

BWM: Scotzgirl absolutely NOT... there is NO and I repeat NO deadline... if some haven't figured that out by now they need special parking

BWM: I was told in no uncertain terms NOT to put a deadline or "back wall" on this thing...

Scotzgirl: that doesn't sound so good

BWM: Scotzgirl it's not saying it can't happen now... but rather it could but to stick an absolute on it... is completely poor judgement...

Scotzgirl: BWM totally agree with that statement

billuke: BWM are there truly people trying to hold up the RV or is it just things not completed yet?
,,


3Sintel Topic: "I am realistic - I expect miracles."- Wayne Dyer

[hub] BoA banker, said his boss call him , friday about noon and said the iqd was on the bank screen and should pop shortly

[hub] the guy that got me involve, had the guy that involved him call him on friday, said his nephew who is a banker with BoA, call him and tell him that his boss...(a dinar owner) called him and told him the iqd is showing and should pop any time,,,,,,,,,,,,,,,,

 [hub] i dont know anyone, i dont have any contacts, but it is amazing what happens when these things start to happen, who knows who and who can do what...........................................................

[highhopes] hub- that is exciting and wonderful news. and I say woohoooo and Thank you very much.

[Lauren305] hub yep, sometimes you are minding your own business, and wham!! intel is dropped on you. Always good to know as it gives you a gauge of where things stand.

SSO_Scooby] just fyi there will be 3 diffrent rates Goverment Rate ....Bank Rate ...and than our Rate ..thats how all currencey rate work for any rate in any country

[da58] SSO_Scooby and a group rate!
....


[terryk] hello all

[terryk] anything going on

[terryk] hey tina[tina] you having a good day

[terryk] kinda got alot done

[terryk] blood sugar down to 140

[terryk] from 311

[Biddy 10] still praying that you will have to cancel for your flight tomorrow.

 [terryk] but i have been told on one side of the house tomorrow thru tue

[terryk] on the other it can be a few days past

 [terryk] then another not till later

[terryk] sometime

[msjeta1] is Dinar Banker going to exchange dinar that was bought elsewhere with proper paperwork?
,,
Read More Link on Right


Dear Dinar Community,

Here at Dinar Recaps, we have always strived to post the news, rumors, and intel that help all understand our Currency Investment in a optimistic and uplifting manor until the Currency Revaluation happens.

From time to time, we have been asked to not post specific sensitive date and rate information or rumors that could possibly delay or hold up our investment, and we have agreed to not post that information. We are all investors just like you and know that none of us want this to be delayed one day longer then it has too.

Since most of the Intel Providers have gone almost totally silent , it has been wonderful to see the incredibly resourceful and intelligent members of all the Dinar sites dig out information and news for themselves and share with the Dinar community at large. We thank all of you and always try to post your opinions, theories and encouragements exactly as you wish them to be shared.

We sincerely admire and wish to thank all the Intel Providers and Dinar Super Sleuths for all your hard work, your selfless optimism and for bringing hope to so many in the Dinar community. 
....


For all the Dinarians who can't wait to retire from theirJobs Post-RV. Heres what supervisors will be writing about your replacements!! From Jesus'   at KTFA Forum.

Jesus" Some of you might like to know what the supervisor is really saying in all those glowing employee work performance evaluations he/she keeps cranking out.

AVERAGE: Not too bright.

EXCEPTIONALLY WELL QUALIFIED: Has committed no major blunders to date.

ACTIVE SOCIALLY: Drinks heavily.

ZEALOUS ATTITUDE: Opinionated.

CHARACTER ABOVE REPROACH: Still one step ahead of the law.

UNLIMITED POTENTIAL: Will stick with us until retirement.

QUICK THINKING: Offers plausible excuses for errors.

TAKES PRIDE IN WORK: Conceited.
....


When we have all exchanged and the RV dust has settled I am really looking forward to being a good  Samaritan just like this!!! 

Dxxxxx Mxxxxx posted to Discount Tire:

My name is Dxxxxx Mxxxxx, I work at xxxxxx in Txxxxx SC... Today I had a customer come in for two tires, she was badly in need of four but could only afford the two, she paid for her two tires and went to wait in the waiting room... As her car was being worked on another customer came up to me and asked how much it would be to put two more tires on for her... He paid for her tires, wrote her a note and left without saying a word to her...

When the work was complete I told her what happened, gave her the note that he wrote and she almost came to tears with gratitude... It just goes to show that there are good people out there, they just hide in the shadows not seeking acknowledgement for their good deeds... I have never actually been witness to such altruism until today and I'm still in awe of this person... I just wanted to share this story with everyone and want to be able to pass on some hope for the less fortunate that good things can and do happen, I know my customer and her child will be safe now thanks to a complete stranger!
....
The below posts shaded in green
are on our Iraqi News page
Iraqi Deputy express fears of a financial corruption in the payment on credit law
10/14/2012  10:03 AM

Showed Iraqi List MP, Mutashar al-Samarrai, fears of a financial corruption in the event was the enactment of the payment on credit, stressing at the same time the need to reconstruct the country's infrastructure.

Samarrai said in a statement told all of Iraq [where], "Iraq presented to the havoc and destruction in all his joints, and one of them is the infrastructure that is today unable to provide services to citizens," stressing at the same time "the need to rebuild."

He explained, "I'm not against the enactment of the payment on credit, before the table of the House of Representatives, and on rebuilding the country's infrastructure, but I am afraid of the issue of corruption by, though known by everyone what is happening in all state institutions of administrative and financial corruption and sectarian quotas."

 

Dry calls for the formation of a committee of specialists to clarify the law payment on credit and claim the presidency of the parliament to end the controversy around him
10/14/2012 9:45 am

Called an MP for the Kurdistan Alliance longings dry to form a committee of specialists to clarify the law payment on credit and claim the presidency of the Council of Representatives to end the controversy around it.

The dry in a statement received by the agency Buratha copy today that "there are those who use this important law for the promotion of things is far from the truth, calling for the formation of a committee of experts and specialists and academics provided to be independent and Aantamoa to any political bloc to clarify things positive and negative law Payment on credit to the Iraqi people that do not have one of the members of the Committee of parliamentarians, stressing the need to hold a hearing of this committee just like other laws to get out a final draft of this law. "

She added that "this law led to the adjournment of Parliament for most of the time and this does not serve the legislative process."

 

MP Abbasi supports the arguments of Mr. Hakim on a majority government
10/14/2012  9:09 am

Wade MP for the coalition of state law Ahmed Abbasi arguments of Mr. Ammar al-Hakim, head of the Supreme Council on Islamic Iraqi government majority.

He said in a statement to the Euphrates News Agency {} on Sunday that "we let the former to be a majority government as it can not continue the success of democracy in Iraq unless there is a majority government."

Abbasi said he "has the experience of a government of national partnership and we found useless as each member of the executive or legislative power works for his party or nationality."

He stressed that "when there is a majority government and there is a minority monitored we can create a democratic system able to take responsibility."

 

Kurdistan: political dispute is not in the partnership but genuine participation in running the country
10/14/2012 9:07 am

He attributed the Kurdistan Alliance, Sheriff Soliman political controversy in the country to lack of active participation in the decision and run the country.

said in a statement to the Euphrates News Agency {} on Sunday that "the current government was formed on the basis of partnership and consensus but the difference lies in the lack of effective and real participation."

And that "all partners in the country, but there is something wrong in the process of participation and lack of seriousness in engaging others in the administration to the country."

 

Member of the Parliamentary economy: corruption, security and the role of passive ambassadors behind the deterioration of investment in the country
10/14/2012  8:56 am

Saw a member of the Committee for the Economic and investment and reconstruction, the subject of investment in Iraq need to many actions and resolve obstacles facing it, indicating that the administrative corruption and the security situation and the lack of investment culture in the forefront of the obstacles, in addition to the role of Iraqi ambassadors negative abroad towards the promotion of investment in the Iraq.

Said Rep. Nora Albejara told all of Iraq [where] that "there many obstacles to the issue of investment in Iraq, including that the issue of investment in Iraq Multi interview being for the first time acknowledges investment law was amended on in 2009 was not the modifications required level, where contains Law on the many obstacles and needs to be revised again. "

"We as a committee economic formed a small committee made up of the national investment and investment bodies for all of Iraq's provinces and the Economic Commission representative, and through this paradise was formed a small committee and committee held mini three meetings detailed amend the investment law, including land ownership and single window and banks where Iraq owns banks absorb large deposits owned by the investment. "

 

Member of the economy: no files prove the involvement of political figures from within and outside the central bank deals "corruption suspicious"
14/10/2012 12:57:41 Sunday

Baghdad (news) : According to a member of the Committee of Economy MP / Iraqi List Free / Aziz Sharif Mayahi, there are files prove the involvement of a number of political figures from within the central bank and outside deals "corruption suspicious," calling Presidency of the Council of Representatives to present the report of the fact-finding committee in this regard at a meeting tomorrow Monday.

said Mayahi in a statement received Agency (news) copy of it on Sunday: The criticism of some political blocs and prepared those blocks of targeting the Central Bank and an attempt to undermine its sovereignty, something strange does not go out except by the beneficiaries of the survival of those corrupt files hidden and non-public service agendas. added: that accuse the bank did not come from a vacuum, nor have any animosities personal with the Central Bank or with the province, so ask the presidency of parliament introduced the report of the fact-finding committee on the corrupted files central bank in the parliamentary session tomorrow to brief all members Council on the report in detail to find out who the beneficiary of hiding such deals in the auction to buy the currency which led to the deterioration of the financial sector in Iraq.

http://www.ikhnews.com/news.php?action=view&id=59890

 



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