Version 1.5

INDEX

Disclaimer/All Rights Reserved/Copyright Notification..................................1

I. CONSIDER THIS YOUR DINAR FOR DUMMIES GUIDE................................2

II. WHO WROTE THIS: ABOUT ADAM MONTANA..........................................5

III. TERMS.......................................................................................................6

IV. HISTORY OF THE IRAQI DINAR...................................................................8

V. WHERE DOES ONE BUY DINAR?..................................................................11

VI. WHAT KIND OF RETURNS MIGHT WE SEE?................................................12

VII. UNDERSTAND THE POTENTIAL.................................................................12

VIII. ISNT THIS KIND OF FAR FETCHED, ADAM?..............................................13

IX. GOOD POINT, ADAM, LETS GET TO LEARNING..........................................14

1. IS THIS A SCAM?............................................................................15

2. WARKA INVESTING IN IRAQ.......................................................17

WARKA BANK ACCOUNT ................................................................................18

ISX IRAQI STOCK EXCHANGE...................................................................19

X. EXAMINING CHAPTER 7 .............................................................................22

SUMMARY:

WHAT TO DO WITH THE MONEY ...............................................................27

FAQS...............................................................................................................30

DISCLAIMER OF WARRANTY / LIMIT OF LIABILITY

Please read this disclaimer carefully. Your reading of this book will constitute and be deemed an acceptance of the terms of this disclaimer. If you do not agree with any of the terms below, discontinue reading this book immediately.

The information and content provided in this book is the opinion of Adam Montana, and is being provided for entertainment purposes only. The information provided herein may not be suitable for your situation. Taking any action in reliance on the contents of this information is strictly prohibited. The information is not financial, legal or other advice and is not intended as a substitute for the advice of qualified professional advisors. Before taking any action you should consult with your own financial advisors, attorneys and other professionals.

THE AUTHOR AND PUBLISHER MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE CONTENTS OF THIS BOOK. ALL CONTENT PROVIDED IN THIS BOOK, IS PROVIDED ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT: (A) THE BOOK WILL MEET YOUR REQUIREMENTS; (B) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE BOOK OR ANY INFORMATION OFFERED THROUGH THE BOOK WILL BE ACCURATE OR RELIABLE; OR (C) THE QUALITY OF ANY CONTENT IN THE BOOK WILL MEET YOUR EXPECTATIONS.

IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, ARISING FROM YOUR ACCESS TO, OR USE OF, THE BOOK OR ANY CONTENT OR INFORMATION THEREIN.

You have purchased one personal copy of (Iraqi Dinar: Real RV Intel) e-book for your personal use. Because this is an e-book, there are no refunds on purchase.

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When you purchased (Iraqi Dinar: Real RV Intel) e-book you agreed to the following Copyright, Legal Notice and Disclaimer:

This publication is protected under Copyright Acts including the Digital Millennium Copyright Act (http://en.wikipedia.org/wiki/Digital_Millennium_Copyright_Act) and all other applicable international, federal, state and local laws, and all rights are reserved, including resale rights: you are not allowed to give or sell this document to anyone else. If you received this publication from anyone other than DinarSpeculation.com or RVIntel.com you have received a pirated copy. Please contact us via e-mail at admin@dinarspeculation.com and notify us of the situation.

Although the authors and publisher have made every reasonable attempt to achieve complete accuracy of the content in this eBook, they assume no responsibility for errors or omissions. Also, you should use this information at your own risk. Your particular situation may not be exactly suited to the examples illustrated here; you should adjust your use of the information and recommendations accordingly.

Finally, use your head. Nothing in this Guide is intended to replace common sense, legal, medical or other professional advice, and is meant to inform and entertain the reader. So have fun!

Copyright 2010 Adam Montana. All rights reserved worldwide. This e-book has been coded to the original purchaser for tracking copyright infringement(s).

Earn up to a $50,000 Reward for information leading to Conviction of Criminal Copyright Violation.

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Iraqi DinarReal RV Intel

Consider this your Dinar for Dummies Guide.Let me start off by stating one fact: Iraq doesnt care about you, not one bit.

The people who say Iraq wont LOP, we have too much invested! The US would never forgive them! Etc, etc on and on...

Are you kidding me?! Iraq doesnt care about us! They dont give a fart in the wind how much either of the Bushs, Obama, Donald Trump or the Pope has invested in Dinar!

Heres another fact: Get Rich Quick schemes are usually just that: schemes. Im not writing this book to tell you how you can get rich overnight by buying dinars. Im writing it to give you some good solid information on the whole situation, so you can determine for yourself if this is an investment you care to be part of.

My personal opinion is that this isnt a get rich scheme its more of an invest intelligently with the chance of getting rich quickly plan.*

*Disclaimer: I am realistically optimistic about my investment in Iraq, so you will find a tad bit of bias in my writings. Of course, if you are looking for negative information about dinar investing I doubt you would have bought the book in the first place.

Now, you wont find a link to my favorite dealer. Im not a dealer, no dinar dealer

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gives me any kind of kick back for my work. You also wont find an exact date the dinar will revalue in here. This book is not written to bash dinar dealers, its not written to pump sales, and its definitely not written to make you feel better about your chances of buying that yacht next week sorry! So, for those out there that have a variation of Tourette's and need to holler PUMPER! PUMPERRRRRRR! every time someone finds something encouraging go read the definition of pumper, why dont ya? (Its on page 6).

This book IS written to provide some guidance regarding the very confusing and very vast world of the Iraqi Dinar. If you look in a hundred places on the internet, youll likely find a hundred different opinions what should you believe? Where can you actually find REAL information?

Well, this book is a GREAT start. If youre looking for an exact rate or date the Dinar will revalue nobody can tell you that. The only thing we can do is try and understand the clues that present themselves, as they present themselves.

I can tell you this much Ive heard all the rumors at least twice, and Ive researched, debunked, and verified more Dinar information than any two gurus out there in other words, Ive been around the Dinar block!

As you read through your new copy of Dinar for Dummies, prepare to hear candid answers that you may not like. My reputation as a straight shooter is earned and deserved I'm here to tell it like it is.

By the way, congratulations on taking the step forward and purchasing the book Ive poured 5 long years of experience, knowledge, and Dinar wisdom into this book, and I hope you enjoy reading it.

Important! Iraq is a very fluid situation and will constantly change this book will be updated as needed and new copies will be available to authentic owners without a re-purchase. If you received this book without purchasing it, you are in

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possession of an illegal copy and worse than that, its probably outdated. Dont invest a PENNY on old information! Remember, a day late equals a dollar short!

To see if you have the most up to date version, look here:

http://www.RVIntel.com

Again, this book is a work in progress and will remain so until further notice!

Thank you for your support in my research, and I promise to always do my best to deliver the truth, whether its news we like or not!

Lets continue.

Tell me if this sounds familiar:

Scenario A: You heard about the Dinar from a friend who was very excited. Your friend told you, Not everyone knows about this, but the Dinar is about to Revalue and if you dont get some NOW youre going to miss out on millions!

You bought some Dinar. The days went by, and every day you heard more and more rumors but you cant cash in yet.

Did I nail it? I probably did, unless youre a vet to the investment

Scenario B: You experienced scenario A some time ago, maybe a month... or two months or maybe even years ago. Ive personally held my Dinar for about 5 years now. Youve heard every rumor at least twice and maybe you have faith but maybe you dont know if its ever going to hit.

Now youre wondering if you should sell hold or buy more.

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There IS a chance you found this guide before you purchased some Dinar, although most people seem to be asking questions after they bought. Why hasnt it RVd yet? and When can I cash in? Those are the questions I hear the most.

Those are the common questions I hear from people before they get around to searching deeper and learning more about the very complicated subject of progress and potential in Iraq.

Maybe youre scenario A, maybe youre scenario B, or maybe youre a dealer or a pumper and youre hoping to find something here to discredit me. No matter which you are: I guarantee youre going to learn a few things while reading this book!

This guide will serve as a foundation for new investors and old. Let me tell you a little about me.

Who wrote this fantastic piece of literature, anyway?

Thanks for asking! My name is Adam Montana. I am a Harvard graduate, a self made successful entrepreneur, and I have been following the Iraqi Dinar for over 5 years. I invested in the Kuwaiti Dinar at the right time. I currently hold a substantial amount of Iraqi Dinar, spread among Iraqi Bank Accounts, Iraqi Stocks, and Iraqi Currency. Most importantly, for you as a new or potential Iraqi Dinar investor, I can still remember what it was like when I first stumbled across the investment.

If you know me, you know I run the popular internet site called Dinar Speculation at http://www.dinarspeculation.com. Dinar Speculation is a blog that I use to share current events and my personal perspective on the possibilities of the Iraqi Dinar. I also help run a community called Dinar Vets at http://www.dinarvets.com. I say help because the community has so many members its impossible to run on my own I owe a debt of gratitude to the moderators and the members without whom the site would not be possible. Both sites are free; I encourage you to check them out if youre not already a member.

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I bought my dinar for the same reason you all did, or are considering doing so: because of the possibility that we can make monstrous returns with relatively little risk.

So, now you know a little about me! Before I get ahead of myself here are some terms you should know.

Terms:NID: New Iraqi Dinar. The correct abbreviation is IQD.

IQD: Iraqi Dinar, Iraqs official currency.

RV: Short for Revaluation or reval. When a currency is revalued, it makes a change either up or down.

RI: Short for Reinstatement. Some speculators believe the IQD can be Reinstated to its former value.

Lop - currency: Iraqi Currency has some very large denominations, such as the 25,000 Dinar Note. A currency lop would effectively lop the last 3 zeros off the currency, making a 25,000 note worth 25. (25,000 minus the zeros = 25,000).

Lop exchange rate: The Iraqi Dinar exchange rate is currently calculated at about 1170 Iraqi Dinars to one USD, or an exchange rate of 0.0008547. Lopping the first three zeros off the exchange value would put it at 0.85, or $1.18 per IQD.

Dealer: Most banks do not sell Dinar, nor do they exchange dinar. In order to purchase or sell Iraqi Dinar you must go through a dealer or buy them from someone, like on eBay.

Pumper: Someone who fabricates rumors about the IQD in order to generate sales

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for the Dinar Dealers. If someone is not getting paid for their pumping, its unlikely they are a pumper. Some people pump for attention, rather than money. Some have developed a cult-like following look around; youll find some of them out there.

Lopster: Someone who frequently pushes the idea that an RV is impossible and believes the only option for Iraq is to Lop. Most Dinar investors have Lopster Allergies but are able to tolerate other shellfish (like tuna, shrimp, crab, etc. In fact, many investors partake in regular Lobster with no side effects at all.)

Kool Aid: Kool Aid is a reference to the Jones Town mass suicide led by the Peoples Temple founder, Jim Jones. Over 900 people died when he commanded the congregation to drink cyanide laced Kool Aid. There are people out there who believe everything they are told without using their own brains, these people are said to be drinking the Kool Aid.

(*FYI it wasnt Kool Aid they drank, it was Flavor Aid. Feel free to share that tidbit at the next spiked punch bowl you happen to be standing by for a laugh. *wink wink*)

FOREX: Short for Foreign Exchange, like a stock market for currencies. The IQD is not on the FOREX at this time.

CBI: Stands for Central Bank of Iraq. Oversees smaller banks in Iraq and sets monetary policies. See: http://www.cbi.iq

EL: Election Law.

IMF: International Monetary Fund. See: http://www.imf.org

SDR: The SDR is an international reserve asset created by the IMF in 1969 and serves as its unit of account. The currency value of the SDR is determined by summing the values in U.S. dollars of a basket of major currencies.

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History of the Iraqi Dinar.In 1932, the Iraqi Dinar was equal to USD $4.86. From 1932 to 1973, the Iraqi Dinar was valued from $2.80 to $3.39. 1974 to 1985 the Iraqi Dinar floated from $2.80 to $3.39.

In 2001, war disrupted oil production and the value of the Iraqi Dinar fluctuated between $0.33 and $1.32 from 1986 to 2003.

Since the overthrow of Saddam Husseins regime in 2003, Iraq has been in turmoil and the value of the Dinar dropped from its previous strong position to a low $0.00027. To date, the Dinar has risen to $0.00067 more than double its value 6 years ago. While thats impressive on its own, it is nothing compared to what some economists project for the future of the Dinar.

Many experts speculate that the Dinar could appreciate from $0.10 to $2.80 from it's current value, and possibly overnight which is why the majority of us are involved in this topic.

Current Dinar Value

Iraqi Dinar is currently valued at approximately 1170 IQD to 1 USD, meaning for every $1 you get 1,170 Dinars. Since the Dinar is so low in value, it literally takes almost 4,000 Dinar (or Iraqi Dollars) to buy a loaf of bread! Can you imagine bringing $4,000 dollars to the store for a loaf of bread? If a loaf of bread in the US is $2.00 and my average shopping trip is $140 that means that my average shopping trip in Iraq would be $163,800! Thats not a huge issue in and of itself, as long as Im using a Visa card but what if Im paying with cash? When is the last time you counted out 164 grand in 20s?

For this reason, Iraqi Dinar notes come in much larger sizes. Its a lot easier to get to 160k when youre counting by 25,000s. Instead of (8,200) $20 bills, they count out

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(7) $25,000 notes. Much easier, right?

Now that you understand the basics on the current value and the history of the Dinars value, lets look at what would happen to those large notes if the currency revalued to its former place.

A Dinar Reval Speculation

Fact: Iraq holds one of the largest natural gas reserves in the world - even more than Kuwait.

Fact: Iraq holds the worlds fourth largest reserves of crude oil (black gold) - even more than Kuwait.

Fact: Iraq is moving quickly towards a stable, peaceful democracy capable of sustaining peace and commerce.

Considering those three facts alone, why is the Dinar not worth more, like the Saudis and Kuwaitis currency? I speculate that it isnt worth the same simply because the trigger hasnt been pulled. The pile of obstacles preventing that trigger from being pulled is getting smaller and smaller, and I strongly believe that one day soon we are all going to wake up to find that it has happened.

We do have a couple of things to worry about, as investors.

One possible scenario is this:

The Iraqi Dinar revalues at 1:1, meaning every 25,000 IQD note you hold is now worth $25,000 USD! The Iraqi government will have to cover every note that comes in, which is arguably no problem since they have such a wealth of natural riches. However, why would they make it easy for us to sit on millions? They wont! How

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could they make it hard for investors to recover their profits?

Here is an example of how it could play out. Lets say Iraqi Dinar revalues at 0.10:1, and at the same time Iraq places a mandatory recall on large notes with a 30 day deadline. This means that if you dont cash your 25,000 Dinar note in IMMEDIATELY, you lose your money. In 30 days, your 25,000 note is worth nothing more than what a collector will pay for it. What will you do then?

Once again, the answer is simple. You will take the 10 cents! You were forced to cash in at a lower rate. Make sense?

The good news is that your investment paid off the bad news is you missed out on the FUTURE growth of the newly revalued Iraqi Dinar.

So, what do I suggest?

Listen, I dont get paid to pump the dinar. Im not a dealer; Im just a guy who loves sharing news and educating people. This is an opportunity that can help many lives, and thats all the reason I need to be involved. I dont get paid to open Warka accounts, and I dont get paid to pump the ISX. I am NOT a pumper! I am simply here to help so heres my advice.

There are three ways to invest in the Iraqi Dinar. One is cash dinar, another is open a Warka Account, and the third is investing in the ISX. I believe it is wise to remain diversified in all of your investments. Dont spend more than you can afford to lose, and dont let greed blind you. Perhaps well wake up millionaires tomorrow or maybe well have to wait another day.

Ill be here writing about it, either way.

(Make sure you sign up for the newsletter to get articles like this emailed to you - its 100% spam free and no charge to you.

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http://www.dinarspeculation.com/subscribe.php )

Where does one buy Dinar?

I am not a Dinar dealer, and Im not going to recommend any one dealer in this eBook. My agenda is education, not promotion of sales.

Sources:

1. Banks (see this link to find a current list of banks http://iqd.me/l/5x )

2. Dealers

3. Other places, like ebay etc

There are several reputable dealers out there, a good idea is to ask the members on http://www.dinarvets.com and use someone who everyone has a good feedback on. Do your research and use a company that has been around a while if you choose to buy Dinars! A very smart option is to purchase from a dealer who offers C.O.D. (Cash on Delivery)... I hear from several people a week asking if I can help them get their money back from a shady fly by night Dinar dealer. Im sorry, I cant! The cheapest source isnt always the best source would you rather pay full price and actually get your dinar, or would you prefer to take a chance on a bargain price and possibly never get your product?

Ill say it again: The cheapest is not always the best!

You can also get Dinars on eBay, but you usually pay a higher price doing that and they are handled by too many people, in my opinion. There are very few banks left at the time of this publication that will sell you IQD, but you can always check your local branch. Of course, if things go the way many speculators believe it will by the time you read this book, it will be too late to invest anyway.

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Sorry if you missed out!

What kinds of returns might we see?

Thats a tricky question, and if you are only out for the pie in the sky you might be disappointed. I told you I was going to give it to you straight, so here it is:

If there is no big RV, and the IQD continues to increase as it has over the recent years, I am guessing we will see a modest increase of 6-25% over the next 4 years. This isnt the return many of us are hoping for, but lets be honest a steady 6% return on our investment is NOT BAD!

There is something you need to understand here although the risk is minimal, there IS a risk. Worst case scenario: The Dinar could be replaced by another currency and our investment flopped. DO NOT INVEST MORE THAN YOU CAN AFFORD TO LOSE!

I dont think that will happen, but it is a possibility.

Understanding the potential.

The IQD is currently valued at about 1,170 Iraqi Dinars per 1 US dollar. Prices vary from dealer to dealer, but lets use a round number: if you invest $100, youll end up with about 100,000 Iraqi Dinar. If we were to see a small increase in the IQD, for example a reval of 10 cents, that makes your $100 investment instantly worth $10,000. Just like that. Pow. POW!

What if it RVs at over a dime, though? Well, thats where it gets really interesting! The Kuwaiti Dinar is currently the worlds strongest currency, valued at over $3 per 1 Kuwaiti Dinar. When you look at all the facts, it is indeed possible for Iraq to match

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that. They have a majority of the worlds oil reserves and natural gases. With Saddam Hussein out of power, democracy is flourishing and the country is becoming more and more peaceful and stable. So if Iraqs currency was re-evaluated and put on par with the US dollar, which is only 1/3 the value of the Kuwaiti Dinar (KWD), then your $100 investment is suddenly worth $100,000! What if it goes to half the value of the Kuwaiti Dinar? $100 is worth over $150,000! Take it another step that many speculate: what if they RV it on par with the KWD? Better yet what if you invested $1000 in the IQD AND it RVs at over $3?? Well, my friends, your $1000 investment just made you more than THREE MILLION USD.

Thats pretty exciting, huh?! Yeah, it is. What would you do with 3 million bucks? Buy a house? Pay for your kids college? Get out of debt? Open a restaurant? Donate half to a charity and stick the rest in your retirement fund? A little of each?!

The possibilities are endless

Isnt this kind of far-fetched, Adam?

I thought youd ask that. In fact most people do, unless they have rocks in their head instead of a brain. Before I go into some Frequently Asked Questions about the IQD, let me ask you this:

Q: If you invest $100 for 100,000 IQDs, and it never revals what have you lost?

A: $100. You have only lost $100*, but I bet you learned a bit about foreign countries, world events, and currencies in the process.

Now let me ask you another question:

Q. If you DONT invest $100 for 100,000 IQDs, and it RVs at 1:1 (1 USD per IQD),

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what have you lost?

A: Well, technically, you didnt lose anything except an opportunity.

But thats not how I see it! If I didnt invest that $100, I would feel like I lost ONE HUNDRED THOUSAND DOLLARS. And let me tell you what I would sure rather lose $100 than $100,000!

*Even if the currency never revaluates, the current trend is a steady increase in value. If you dont get rich in the next 5 years, you will still stand a good chance of seeing a decent profit. Profit is good!

Good Point, Adam. Lets get to the learning!

Thats what I like to hear! When I first heard about the Dinar, I was skeptical at first, and then hopeful. A useful phrase that has done me right many times is the old axiom,

If its too good to be true it probably is!

With that truth in mind, I invested a little at first. You know, just because Id hate to miss out because I was too skeptical, and hey, whats a couple hundred bucks, after all ? Answer: Not much! I blow that on stuff that has ZERO chance of turning a profit, so this isnt such a bad idea when you look at it that way! But a funny thing happened the more research I did, the more I found information that did everything BUT prove this is a pipe dream.

In my opinion, in fact.. It actually DOES have the potential to become more than a couple worthless scraps of paper sitting in my desk drawer!

Well, my investment has definitely grown since then. In fact, its gone from a couple

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hundred thousand Dinar in my desk drawer to a couple of stacks of Dinar in my safe. It doesnt fit in my drawer anymore, to be honest and if I happen to be on vacation when an RV happens, I want it to be safe! (No pun intended.)

Because Ive invested pretty heavily in the Dinar, I research every day. I talk to other investors, and I am always on the lookout for news that will tell me to either sell out or maybe buy more. As it is, Ive simply bought a little each month and happened to learn a lot on the way. And when it comes down to it Im a business man. If I sell right now, Ill make a couple bucks due to the growth of the Dinar over the years. A great investment is one thing, and I believe the Dinar to be one. A bad investment is quite another

I dont let my emotions rule my business decisions, and I wont let it affect my newsletter broadcasts. If at any time I truly believe the Dinar Dream is over, Ill let you all know.

Scouts honor.

Now, lets get to some Topics!

Is this a scam?

One of the topics that I get the MOST feedback on is how many people think this investment is a scam. Listen up, readers Im going to set the record straight once and for all about this Dinar Currency Scam.

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First you need to know about the Dinar Currency and what the hype is about. The Iraqi Dinar Currency that is used today in Iraq is arguably the most sophisticated currency in the world. The technology that makes it almost impossible to effectively produce usable counterfeit dinar currency is amazing. When checking your Dinar Currency to spot fakes, you can check for:

Metallic Ink

Embedded security Thread

Horse Head Watermark

Color Changing Symbol

Ultraviolet Feature that glows the Denomination Value (Currency amount)

Now you know what to look for in your Dinar Currency, so what about the investment itself? Is investing in the dinar currency a scam?

Well, thats a tricky question. First look at the source of your information. If your intel is suggesting that you will be made rich overnight, tonight, guaranteed youre a victim of hype and youre probably going to be disappointed. The simplest concept you need to understand when talking about the Dinar Currency is that nobody is going to be able to tell you exactly when it will revalue.

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But does that mean the Iraqi Dinar Currency hype is a scam? Absolutely not!!!

Here are a couple of very real facts. Iraq has a majority of the worlds natural reserves and crude oil, putting it on the same level as Saudi Arabia and Kuwait. If you know anything at all about Saudi Arabia and Kuwait, you should know that their currency is very valuable and their natural resources are one of the reasons. So, why isnt Iraq as rich as Saudi Arabia and Kuwait? That answer is simple they only recently established a stable government, elections are now being held successfully, and the march towards financial recovery is progressing steadily. Crime and terrorism is lower and lower all the time! And just as importantly the Iraqi people are unjustly impoverished as a result of the recent chaos and they cannot remain in that situation for much longer, not when they control a major amount of the worlds black gold.

The question, then, is When will the Dinar Currency of Iraq Revalue?

This investment is not a scam, but you must be prepared to wait for things to happen. It may revalue, or reinstate, to a previous level which would make many of us rich overnight or it might grow slowly, over time, giving a nice return on an investment that many of us were smart enough to make. One thing I do know for a fact the Iraqi Dinar will not stay at 1170 forever.

Warka Investing in Iraq

Warka is an Iraqi bank that allows foreign investors such as us to open accounts

There are three options to invest in the Iraqi Dinar - Cash Dinar (IDQ/NID, or New Iraqi Dinar), the ISX (Iraqi Stock Exchange), and having an Iraqi Savings Account (the easiest we have found is Warka Bank).

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Option 1: Apply for Warka Account at Warka website.

At the current time it is possible to simply apply online and then wire funds into your account. To apply online, you will need a digital copy (JPEG or PDF) of your passport or government ID. You will also need to Type your address on a text or word file to upload with your application. Click here to apply online for an account at Warka Bank. (If that link doesn't work, simply type this into your browser: http://iqd.me/l/5u )

Step 1: Email Warka Bank with appropriate documents.

Compose an email to IFRD@Warka-Bank-Iq.com with the following text:

I would like to open a USD and IQD account with Warka Investment Bank. I am attaching a copy of my ID and the required Authorization Letter.

Thank you,

(your name)

Attach the following items to your email:

This completed Authorization Form (http://iqd.me/l/5v)

A digital (JPEG or PDF) copy of your government approved ID.

Step 2: Get funds in your Warka Account.

Finally, you will need to fund your account in order to invest in Iraqi Dinar (Savings or ISX or both). Once you have your accounts open at Warka, you can fund them by wiring from your domestic bank to:

Account Number: 36908969Account Name: Warka Bank for Investment & finance

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Bank Name: Citibank NABranch: New YorkSwift Address: CITIUS33Fed Wire: 021000089Beneficiary name and Account Number:(Your Name)(your IQD Savings number)

(It is advisable to email Warka first to verify that the information has not changed.)

Important: The minimum balances are $150US plus 300,000 IQD. At current rates (1170 Iraqi Dinar per $1 USD) you will need to send about $425, plus whatever you want to use to buy stocks with.

Option 2: ISX The Iraqi Stock Exchange

As some investors in the Dinar know, there are three main ways to invest in the future of Iraq: The ISX (Iraqi Stock Exchange), paper currency (The New Iraqi Dinar, or NID), and a savings account at an Iraqi bank such as Warka. This page will serve as a quick start guide to getting in the ISX (Iraqi Stock Exchange). It is advisable and convenient to already have a Warka Savings account open in order to facilitate this investment avenue.

Ready? Good! Follow the steps and you'll soon be holding stock that could easily make you rich. This guide is for United States citizens. The steps are similar for citizens of other countries; the main difference will be the process to certify the documents.

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Step one:

Download this file: Legal Declaration for ISX Form ( http://iqd.me/l/5w )

edit the highlighted fields

print it out

get it notarized (you will need to do this in front of a notary with your passport and ID present.)

Step 2:

Send the following items to the Arab American Chamber of Commerce:

Your notarized Legal Declaration for ISX Form

A copy of your ID and Passport

A prepaid return envelope (Use FedEx for tracking purposes)

A money order for either $103 (personal investing) or $258 (business investing).

The address is:

Arab American Chamber of CommerceCertification Department1615 Bayhead Rd, Annapolis MD 21409Tel: (410) 757-5544 or 1 888 999 5991

In case you were wondering, here is what the money order is for:

AACC Service fee is $80.00 to certify any legal document ($35.00 charge for each additional document).

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Notary public and court fee = $5.00

Secretary of State fee = $5.00

Department of State fee = $8.00

Embassy of Iraq fee = $5.00 ($160.00 for business)

You can find more information at the Embassy of Iraq:

http://www.iraqembassy.org/

Embassy of Iraq1801 P Street, NWWashington, DC 20036Tel: (202) 483-7500 Embassy hours: Monday-Friday 9:30 AM - 5 PM

Step 3:

Once you've received your papers back from the Arab American Chamber of Commerce, send them to Warka Bank (keep a copy for yourself). Be sure to use FedEx or UPS, my first attempt got lost in the mail and I had to spend another $103 to get certified docs again. I sure wish I'd used FedEx or UPS! Send them, along with your email address or contact info, to:

Warka Bank for Investment and Finance Main Branch Baghdad IraqInternational Foreign Relations Department Watheq Square Salman Faiq St. Hay Alwihda Sec. 902 14th St.Baghdad, IraqPhone (009)647-1728

Discuss this on the message board: Click here.

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Chapter 7One of the most frequently asked questions by new visitors to any of my sites is this:

WHAT IS CHAPTER VII (CHAPTER 7)?

Thats a good question, and one that deserves a fair amount of consideration before applying any answer to the Iraqi Dinar.

Chapter VII refers to Chapter 7 of the Charter of the United Nations. The United Nations was formed in 1945 following World War II as a way to avoid more wars. There are 5 permanent members of the UN Security council who have veto power: The United States, Russia, The United Kingdom, Peoples Republic of China, and France.

The Charter of the United Nations is, to summarize, the treaty by which the United Nations operates under. There are currently 19 Chapters in the treaty, and 111 Articles.

Chapter 7 contains Articles 39 through 51 of the Charter of the United Nations.

===========================

CHAPTER VII: ACTION WITH RESPECT TO THREATS TO THE PEACE, BREACHES OF THE PEACE, AND ACTS OF AGGRESSION

Article 39

The Security Council shall determine the existence of any threat to the peace, breach

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of the peace, or act of aggression and shall make recommendations, or decide what measures shall be taken in accordance with Articles 41 and 42, to maintain or restore international peace and security.

Article 40

In order to prevent an aggravation of the situation, the Security Council may, before making the recommendations or deciding upon the measures provided for in Article 39, call upon the parties concerned to comply with such provisional measures as it deems necessary or desirable. Such provisional measures shall be without prejudice to the rights, claims, or position of the parties concerned. The Security Council shall duly take account of failure to comply with such provisional measures.

Article 41

The Security Council may decide what measures not involving the use of armed force are to be employed to give effect to its decisions, and it may call upon the Members of the United Nations to apply such measures. These may include complete or partial interruption of economic relations and of rail, sea, air, postal, telegraphic, radio, and other means of communication, and the severance of diplomatic relations.

Article 42

Should the Security Council consider that measures provided for in Article 41 would be inadequate or have proved to be inadequate, it may take such action by air, sea, or land forces as may be necessary to maintain or restore international peace and security. Such action may include demonstrations, blockade, and other operations by air, sea, or land forces of Members of the United Nations.

Article 43

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All Members of the United Nations, in order to contribute to the maintenance of international peace and security, undertake to make available to the Security Council, on its call and in accordance with a special agreement or agreements, armed forces, assistance, and facilities, including rights of passage, necessary for the purpose of maintaining international peace and security.

Such agreement or agreements shall govern the numbers and types of forces, their degree of readiness and general location, and the nature of the facilities and assistance to be provided.

The agreement or agreements shall be negotiated as soon as possible on the initiative of the Security Council. They shall be concluded between the Security Council and Members or between the Security Council and groups of Members and shall be subject to ratification by the signatory states in accordance with their respective constitutional processes.

Article 44

When the Security Council has decided to use force it shall, before calling upon a Member not represented on it to provide armed forces in fulfillment of the obligations assumed under Article 43, invite that Member, if the Member so desires, to participate in the decisions of the Security Council concerning the employment of contingents of that Member's armed forces.

Article 45

In order to enable the United Nations to take urgent military measures, Members shall hold immediately available national air-force contingents for combined international enforcement action. The strength and degree of readiness of these contingents and plans for their combined action shall be determined within the limits laid down in the special agreement or agreements referred to in Article 43, by the Security Council with the assistance of the Military Staff Committee.

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Article 46

Plans for the application of armed force shall be made by the Security Council with the assistance of the Military Staff Committee.

Article 47

There shall be established a Military Staff Committee to advise and assist the Security Council on all questions relating to the Security Council's military requirements for the maintenance of international peace and security, the employment and command of forces placed at its disposal, the regulation of armaments, and possible disarmament.

The Military Staff Committee shall consist of the Chiefs of Staff of the permanent members of the Security Council or their representatives. Any Member of the United Nations not permanently represented on the Committee shall be invited by the Committee to be associated with it when the efficient discharge of the Committee's responsibilities requires the participation of that Member in its work.

The Military Staff Committee shall be responsible under the Security Council for the strategic direction of any armed forces placed at the disposal of the Security Council. Questions relating to the command of such forces shall be worked out subsequently.

The Military Staff Committee, with the authorization of the Security Council and after consultation with appropriate regional agencies, may establish regional sub-committees.

Article 48

The action required to carry out the decisions of the Security Council for the maintenance of international peace and security shall be taken by all the Members

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of the United Nations or by some of them, as the Security Council may determine.

Such decisions shall be carried out by the Members of the United Nations directly and through their action in the appropriate international agencies of which they are members.

Article 49

The Members of the United Nations shall join in affording mutual assistance in carrying out the measures decided upon by the Security Council.

Article 50

If preventive or enforcement measures against any state are taken by the Security Council, any other state, whether a Member of the United Nations or not, which finds itself confronted with special economic problems arising from the carrying out of those measures shall have the right to consult the Security Council with regard to a solution of those problems.

Article 51

Nothing in the present Charter shall impair the inherent right of individual or collective self-defense if an armed attack occurs against a Member of the United Nations, until the Security Council has taken measures necessary to maintain international peace and security. Measures taken by Members in the exercise of this right of self-defense shall be immediately reported to the Security Council and shall not in any way affect the authority and responsibility of the Security Council under the present Charter to take at any time such action as it deems necessary in order to maintain or restore international peace and security.

Plans for the application of armed force shall be made by the Security Council with the assistance of the Military Staff Committee.

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========================================

Thats a lot to read, right? It gets worse Iraq is currently under 73 U.N. resolutions and "Chapter 7" sanctions, and is not able to function as a normal country. Iraqi Parliament expects Iraq to be out from under Chapter 7 within the next 6 months (as of a statement given December 24th).

Iraq currently owes Kuwait about $25 billion in reparations due to the crimes against humanity committed under Saddam Husseins regime. As noted in the Chapter 7 provisions, a country IS responsible for the actions of former leaders. Basically, if your leader is doing bad stuff the people need to step up and take him out, or else your kids will pay for your inaction. Thats exactly what is happening now. Currently, 5% of Iraqs oil sales are going to Kuwait in order to pay down that $25 billion debt. That might seem like a lot, but the rate WAS 30%.

What to do with the money (i.e. protection from family and government, what type of lawyer, financial planner, where to invest, etc.)

Whether you come into riches by Dinar Revaluation or other means, many of us are not very smart about what to do with our money when we get it. Fortunes are won in the lottery all the time, and you hear about those same people being broke within years. Is that what you want your story to be?

Here are some tips that should help you manage your money when you get it.

First, think like the rich! Saving money is not just for people on a budget - didn't you

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ever notice some of the richest people are penny pinchers? That's because they understand the value of their Currency; whether it's USD, IQD, Pork Rinds or gold bars.

Here are some common sense ideas to protect yourself, your wealth, and your sanity when you come into money. (More ways to save will be added as they become available.)

Change your number, make sure the new number is unlisted. If you don't, every Tom, Dick and Harry will be knocking down your door when they find out about your new circumstances.

Contact an attorney that specializes in taxes and trust accounts.

Set up your family trust(s).

Contact your bank(s) and set up POD accounts.

Do not deal with banks that have derivatives and hedge funds unless you completely understand the risks!

Set up CDARS accounts.

Pay off ALL debt.

Fix everything that needs repair.

Upgrade your personal, home, auto and umbrella insurance.

(Consider ransom insurance too!)

Set aside enough liquid funds for you to survive for 2-3 years. This should account for every expense you have on a monthly basis - don't go short!

Invest in precious metals (like gold & silver).

Go to seminars to learn to make money through SMART investments.

PAY YOUR TAXES!

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Pick your friends wisely.

Someone will be "watching you" so you'll want to do the following:

Be very low key (non-descript).

Don't flaunt your newly obtained wealth.

Open up a secure Email address.

Get a new cell phone number; cancel the old one.

Get a P.O. Box

Put a security system in your house.

Install high security bolt locks.

Install reflective film on your home windows.

Consider building a safe room.

Get training in self-defense / firearms.

Use a secure password for sensitive online access points, like email, banking, etc. Use a DIFFERENT password for non-important things like facebook etc.

Don't trust anyone ... keep your friends close and your enemies closer.

Best websites to monitor

I keep an updated list of links to monitor here: http://www.dinarspeculation.com/links

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And now for the FAQs!Well reader, youve made it quite a way! Being the astute reader you are; Im sure youve read every word up to now. During the course of writing this book, I asked for feedback on what people needed help understanding with Iraq I hope your question was included in the following list! If not, send me an email or contact me at http://www.dinarvets.com or the http://www.dinarspeculation.com blog. Ill be sure to include the question in a future release of the book; you will get an email when its ready.

Ill also answer questions in the VIP Book Club area at www.DinarVets.com before the new versions come out just another reason to get your VIP membership!

After reading the previous pages, most of this stuff will be making sense by now and youre well on your way to being as much of a Dinar expert as anyone. Congratulations on your diligence and self education, youre miles ahead of most!

The following Frequently Asked Questions were gathered over the course of my blog and are the ones I get the most in email. Some of them Ive only received once or twice, but I still felt they are important enough to answer in this section. Im answering these to the best of my knowledge and most answers are opinion unless stated as fact. My knowledge comes from my professional education, contacts, and years of studying the Iraqi Dinar, but it is still only my opinion.

Here we go!

Is it legal for US Citizens to invest in the Dinar?

Yes, according to Presidential Order 13303: On May 22 of 2003 President Bush gave US Citizens the right and governmental protection for Iraqi investment.

Source: http://www.treas.gov/offices/enforcement/ofac/legal/eo/13303.pdf

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And then again on May 20, 2009 President Obama extended the Order.

Source: http://www.whitehouse.gov/the_press_office/Message-from-the-President-and-Notice-of-Continuation-regarding-Iraq

A great write-up of Presidential order 13303 is at Wikipedia:

Link: http://en.wikipedia.org/wiki/Executive_Order_13303

Will there be a time limit placed on cashing in?

WOW! Lets start this off with a BANG, shall we?! The short answer is maybe. We have to keep in mind that at this time, we dont know who will initiate an RV of any level. It could be Iraq, and it could be an outside agency like the UN or the IMF. To fully understand IF there will be a time limit on cashing in, you need to know WHY there would be a time limit.

Why would there be a time limit on cashing in?

Several reasons. Lets look at a couple of options here:

If Iraq pushes an RV, they may want to protect their assets by forcing you to cash in at a lower rate.

Example: We see an RV at $1 and no time limit to cash in. Half of the physical currency is cashed in and half is held while the Dinar rises to $3.

To simplify, lets pretend there is 100,000 (one hundred thousand) large note Dinar in circulation. (I know, I know - there is a lot more than that out there! Im simplifying this by using a smaller number. The principle is the important part here.)

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Time limit to Cash in:

At a 1:1 rate, Iraq is responsible for $1,000,000,000 (1 Billion USD) based on the amount of Large Note Cash Dinar in circulation. (100,000 dinar x 1000% RV rate at 1:1 value = 1 Billion USD.)

Iraq states that all large denominations must be turned in within 30 days. After 30 days, large notes are dead. All the speculators turn in large notes, Iraq pays out 1 Billion USD.

No Cash-In Time Limit:

At a 1:1 rate, Iraq is responsible for $1,000,000,000 (1 Billion USD) based on the amount of Large Note Cash Dinar in circulation. (100,000 dinar x 1000% RV rate at 1:1 value = 1 Billion USD.)

Speculators and investors are smart. Half the large denomination currency is cashed in, Iraq pays out 500 million.

As the currency rises, the remaining 500 million rises in value to 3 times the value, or 1.5 Billion, as the currency appreciates to a 1:3 level. That currency is finally cashed in for 1.5 Billions USD, and Iraq has paid out a total of 2 Billion USD.

Thats more than twice the amount from the time-limited cash-in!

If the RV is forced by another entity, that entity will have just as much at stake as Iraq and would want to protect Iraqs interests possibly even more so than Iraq itself! Its a good bet that Iraqs currency will be re-evaluated against Iraqs will as allowed under their Chapter Seven sanctions.

Think about this if you owe the IRS money, and you own a house, does the IRS allow you to plead poverty? Heck no! They say, Sell your house! Iraq is sitting on

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the worlds third largest black gold reserves why should they be allowed to plead poverty?

Will there be a time limit on cashing in certain denominations?

No official source has ever made an announcement regarding this, so we can only speculate. However, after reading the last question what do YOU think?

It is my personal opinion that Iraq would be foolish to give speculators an open-ended cash in period. My advice: Protect yourself, diversify your investments, and use your head!

Of course, this did happen with several currencies other than the Iraqi Dinar. For example, the Kuwaiti Dinar has been introduced and changed several times. In each case, there was a significant window to exchange.

How can I protect my investment from a time limit on cashing in?

Thats a great question! The sad but true answer is this: you probably wont be able to protect yourself 100%. HOWEVER, you do have options.

My best advice is to diversify! If you keep some of your investment in cash, and some in Warka, only part of your investment will be affected by one of these moves.

What banks have De La Rue machines?

Not all banks will have the De La Rue machines. One of the biggest benefits to joining my VIP group is the up-to-the-minute updates you will get after the RV. I will be updating all VIP members with current banks as the De La Rue machines show up at other banks.

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For example, Chase Bank in Chicago has a De La Rue at the downtown branch but not at any of the suburb locations. Your best bet is to call your bank and ask them if they ever sold Iraqi Dinar Currency many banks have kept their De La Rue machines, even if they dont currently sell the Iraqi Dinar.

If they never dealt with the currency in the first place, chances are they will not do it after RV. Ask them which branch you should call to find a De La Rue machine.

Why do I care which banks have a De La Rue machine?

Easy do you want to hand over your investment to a person who is going to take it into a back room, package it up, and mail it to some other location that does have an approved Dinar machine? NO! You want to watch them count it right then and there.

One of the questions I get a lot is this:

"Does it matter what size Dinar notes I have"?

To answer it simply - it's not the size of your note, it's how you use it. (I can't WAIT for this topic to be brought up regarding the Dong! You know the Vietnamese Dong? Its not the size of your Dong, its never mind.)

Will we be able to trade large denominations for smaller ones?

This depends on a few factors. If there is a time limit on cashing in, you will most likely be forced to trade IQD for USD, which means no trading denominations.

Will I have to travel?

See above, regarding De La Rue machines. You will have the option to take it to

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your local bank, but you may not get confirmation of your deposit until they physically verify authenticity, which will be done with the De La Rue machine.

Will you have to travel? Not necessarily. Will you want to travel? Probably!

Will we be able to exchange in the US?

Absolutely, unless Iraq forces an In-Country RV.

Whats an In Country RV?

An In Country RV is something you only need to worry about if you only hold Cash Dinar. The common speculation among many of my professional associates is that Iraq could use an in country RV as a stop loss while they either lop zeros or instate a different currency.

If you dont think this is possible, just put yourself in Iraqs position would you want to pay a bunch of foreigners a ton of money for simply holding your money? No! Now, dont go giving me that Well never let them do it nonsense have we been able to stop Iran from testing nukes? Pfffffffft. Not even a little. UN sanction after UN sanction, and Iran is still a threat more so each day. Iraq has nothing to fear from the US, we are a country of forgivers and the world knows it.

See? I told you this book wasnt going to be all peaches and cream!

The GOOD news is that all of my associates, who are professors, investors, accountants, economists, and more they all agree on one other thing as well. While Iraq MAY screw the speculators, they will not screw their own people. Rather, they wont screw their new constituency. The voting people of Iraq, that is. To instantly take the power of the Iraqi Dinar from a foreigner is one thing, but to take it out of the hands of the Iraqi people is another.

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Heres a possible scenario, and I dont like it.

Iraq determines a value for their currency, revalued from its current level.

Iraq closes the borders for 72 hours.

All Iraqi citizens are notified that they have 72 hours to deposit all paper Dinar Currency into an official bank account, where it will be exchanged to new currency at the new rate.

After the 72 hours, the current currency is worth exactly what the old Saddam notes are worth not much.

And heres how to potentially protect yourself:

Warka. Think about it what denominations do you hold if you have $10,000 in your account? You dont, you simply own the value of the money! If the value of the currency plummets, so does the worth of your account. If the value of the currency rises, so does the worth of your account! Worst case scenario: you get screwed on your paper dinar, and you make profit on your Warka account. If you have equal amounts invested in both, you still come out WELL ahead by holding both.

This goes double for the ISX you trade on the ISX through your Warka account. When the Dinar revalues, those companies are going to have an influx of capital to grow and expand, Your ISX stocks will see huge gains multiplied by the RV effect of the currency! Can you see how powerful the ISX is?!

Where will we be able to exchange?

Once the Dinar is valued and recognized, all major banks will be exchanging them they will want your business! You may not be able to exchange at your hometown

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bank right away, but any bank that has a foreign currency service will be able to service you in a short amount of time.

Is there a level of GDP that needs to be achieved before an RV?

GDP is a very complicated piece of the puzzle, so Ill try to break it down as simply as possible. GDP stands for Gross Domestic Product and is summarized as the value of the sum of all goods produced within the borders. Below is a graph of Kuwaits GDP compared to Iraqs GDP.

Source: http://www.google.com/publicdata?ds=wb-wdi & met=ny_gdp_mktp_cd & idim=country:IRQ:KWT & tstart=- 315619200000 & tunit=Y & tlen=47

Since the topic of this book is the value of the currency, I believe I can simplify the whole thing as follows. Since the Gulf War, Iraqs GDP dipped sharply and hasnt reversed permanently. Many things have contributed to this, but I dont think we should get sidetracked by this information. Heres a simple fact: pre 1990, Iraqs GDP was at 48.4 Billion, compare that to Kuwait in 2003 at 47.9 Billion. In 1989 Iraq was heading down the tubes with war, and their currency was on the verge of

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tanking to the level we see now, while Kuwait was on the rise. Kuwaiti Dinar was valued at about $3.30 US per Kuwaiti Dinar.

What does this have to do with the value of the IQD and the potential for increase in the currency? Well, look at the following picture and you tell me if Iraqs GDP is very important to the value of the currency. This is the same time frame as the previous image.

Source: http://www.google.com/publicdata?ds=wb-wdi & met=ny_gdp_mktp_cd & idim=country:IRQ:KWT:USA & tstart=- 315619200000 & tunit=Y & tlen=48

Thats right Kuwait and Iraq are both barely even on the map when compared to the United States GDP, yet the KWD is worth 3 times the USD and The IQD is lower.

While GDP is important for many reasons, I have to say that the GDP is not an essential component to a rise in the value of the Dinar.

Can you talk about the Kuwaiti currency RV?

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This is a tricky question. First of all there was never an official evaluation or RV of the Kuwaiti Dinar, but it is true that the KWD could be bought for as little as USD $0.06. This was mostly a street rate, imposed by local shop owners who simply had no faith in the KWD. At one point during the Gulf War in 1991, the KWD actually devalued so much that it was almost impossible to trade it for a short amount of time. Nobody had any faith or trust in Kuwait, and even Kuwaiti businesses would not accept it except at extremely low exchange rates.

How does this look for the Iraqi Dinar? The Iraqi Dinar is in the same type of situation, only longer term. If the Kuwaiti war had lasted longer, I have no doubt it would have officially devalued for a period of time, and, assuming the country re-stabilized... the currency would have rose right back up to the point it is at now.

The Iraqi Dinar is officially devalued to the point it is right now because of the trust factor the outside world places on Iraq. To determine if you think the value of the Dinar will ever go up, you must determine if the world will ever see Iraq as more stable and trustworthy than it is right now.

Its hard to find a rate calculator that goes back far enough to see the fall of the KWD, so that makes it hard to pinpoint exact dates. This link regarding the KWD historical rate does show that the dip in value was for a very short length of time: http://www.imf.org/external/np/fin/tad/exportal.aspx?memberKey1=560 & date1key=1996-05-31 & category=EXCHRT & finposition_flag=YES

Did the CBK or IMF handle the Kuwaiti currency revaluation?

After reading the previous question, you understand that there was no official Kuwaiti RV, rather a special set of circumstances that allowed a profit to be made by speculators.

The simple answer is both were part of it, as much as it can be called an RV.

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The more detailed answer requires an explanation of CBK and IMF. CBK is Central Bank of Kuwait; IMF is of course International Monetary Fund. The CBK was in place during the biggest changes of the Kuwaiti Dinar, in fact they distributed the new currencies as they came out. (The Kuwaiti Dinar has been changed out 5 times now.) The IMF is more than a single entity its an organization comprised of 186 countries that oversees the global financial system. They offer loans to poor countries and their goal is to provide stable exchange rates amongst the worlds many currencies and payment systems. The CBK is essential in Kuwait, and the IMF is an integral part of any currency movement on many levels.

Do we need proof of purchase?

No, just as you dont need proof of a bank transaction to deposit your US dollars or any other currency. However, you MAY need proof of purchase if you want to claim that youve held the dinar for a certain amount of time. Investors who did not save their purchase receipt might be forced to pay taxes on short term gains.

Im not your financial adviser, but Ill offer my common sense opinion. There are people who claim no taxes will have to be paid, but lets keep it real. If you walk into a bank with a million in cash I guarantee you your bank teller will be throwing flags like her name tag had Mike McCarthy printed on it. And those flags are landing right at the feet of the IRS. (Sorry, little Packer humor there you know Im from Wisconsin, right? Go Pack! :D)

If I dont have a receipt, how can I prove when I got my Dinar?

You cant but you CAN prove that youve had them from today on. It may be a good idea to record the serials of your Dinar and have a notary recognize your possession on todays date.

Do you recommend a Warka Account?

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ABSOLUTELY. See above for Warka information.

Is my investment in Warka guaranteed?

Not even a little bit. Unfortunately, there is no guarantee. Iraqi accounts do not have any kind of FDIC like we have in the U.S., and any Iraqi banking law protections will not automatically cover you.

Where do I cash in?

You will be able to cash in at most major bank chains. There is no way to know for sure at this time, but my best suggestion is to get on the newsletter. Ill send out an email the instant this information becomes available.

Ill even send it out before I go cash in. Thats a promise!

What will the cash in procedure be?

Great question! Most likely you will simply go to your bank and deposit the cash. You will be credited whatever the current exchange value is, just like trading in Euros or any other internationally recognized and traded currency.

After RV, how do we get the best rate?

This depends on a TON of variables, most of which Im prepared for. Make sure youre on the newsletter list for the quickest and most up to date info when this happens.

For now, though let me give you a little peace of mind. The hype about traveling to Iraq, finding a Dealer who will trade it back, and all that other nonsense... is simply that. Plain nonsense.

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If you have 72 hours to trade in, take whatever rate you get!!! If you have longer look around, most banks will be competitive.

Taxes?

Im not even going to pretend I can help you on this one, other than to tell you dont be a cheapskate! Get a high priced, highly recommended financial advisor. Look at the wealthiest person in your city and find out who THEY use and hire the same person.

My wife is a CPA and we still use other people for certain investments and ventures. Every person has a specialty, dont let anyone fool you into thinking one person can be an expert in all financial areas! Use your tax attorney for taxes, your financial advisor for financial advice, and your caddie for golf advice. Dont confuse the three!

Taxes in other countries?

Same as previous. Speaking of other countries, Im interested in traveling. Id love to borrow your condo in Spain or your bungalow in Australia.

Should I cash in all at once?

That depends on the time to cash in allowed and how much you invested. If there is a time limit, then most likely you will want to take your money and run! The old saying holds true, A bird in the hand is worth two in the bush. If you invested very little and theres a chance to turn a tiny profit into a large one Id say sit on it.

If the Dinar comes out at a dime, at this time I say cash in enough to recoup your initial investment and sit on the rest. Best bet, again, is to be on the email list Ill send out a detailed message the minute its available. I have several draft emails already prepared that cover several

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likely scenarios and it will only take me a minute to tweak them based on the current circumstances there is nobody more prepared to help you through this exciting time than myself.

Will Iraq print new currency or will the current Dinar stay in place?

Another great question! We cannot know the answer to that, but I do know that one way to protect yourself is to diversify.

(I feel a bit like Jim Cramer talking about diversification so much, but its true. Putting everything in one basket is never a good strategy!)

What about Canadian banks?

Canada has banks? I thought you all traded Maple Syrup and Molson for your goods.

Ok, Im kidding! Any bank that has a serious foreign exchange / foreign currency department will pick up the Dinar shortly after its internationally traded.

What determines the value of a country's currency?

The value of a country's currency is determined by many factors. Currency that is traded on the FOREX is evaluated by what the public is willing to pay for it based on political climate, economic stability, and more. The dinar is different, because it is not traded on the FOREX. The Dinars value is primarily determined through the CBI auctions. When the publicly accepted perceived value goes up, local banks will pay more for it, and the rate will be changed.

To summarize, nothing is worth more than someone is willing to pay for

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it. The local banks and the CBI say the value is 1170, and so it stays until something changes that.

How does Iraqs currency/economy compare to other countries currency/economy?

Iraqs currency is extremely stable compared to almost any other country in the world. Iraqs economy is also worth noting: inflation is below 10% and many economists project a steady increase in economic well being. Heres a file you might find interesting.

How much Dinar is in circulation?

There is nowhere to find an exact number at this time. However, as of January 2004 there were 6.36 trillion Iraqi Dinars in circulation. More have been printed; possibly even the smaller denominations that will be needed to support a strong Dinar value.

Is that relevant?

Of course it is! Does it mean there will be no appreciation for the Dinar? I dont believe so. As of April 2004 the US had $700 billion in circulation. The US only had $829 Billion in currency as of December 2007, but we keep our money in banks. For one thing, we have ATM machines to get cash everywhere we go and VISA cards that we can use to make purchases at pretty much any shop in the country. Iraqis deal primarily with cash, so its imperative that they have cash on hand at all times. The majority of their cash is not kept in the bank account, with very little access to it its kept on hand. They HAVE to have more cash printed and available to use.

The first ATMs were only recently installed in Iraq, and there is still relatively little access to them!

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Are there forums that are sponsored by dealers?

A few forums are sponsored by dealers in the fact that the dealers will pay for a banner or an advertisement on the website, but that doesnt necessarily mean they are full of bad information. The pumper factor is a lot lower than most people believe. The kool-aid factor, on the other hand that does get pretty high at times!

Everyone involved in this investment should be prepared to wait it out until it happens. If you bought your Dinar in 2005, you have already seen a profit unlike those of you who stuck your money in a 401k!

Exactly who or what determines the exchange rates for the Dinar?

Quite simply, the world determines the exchange rate. Anything that is available for purchase is worth what someone is willing to pay for it. At the present time, since the currency is not for sale on the Foreign Exchange market, the CBI and the smaller local Iraqi banks that bid on the currency at the CBI auctions are the ones determining the value.

Even though the currency isnt on the Foreign exchange market, there are enough political influences from the outside, such as Chapter 7 and even our speculation, to keep the banks on the same page. This explains why the rate has remained the same for so long.

The good news, now! There are many triggers that could prompt the value to go up, such as:

With a dinar RV, it could push the ISX to go live international. This would be great for Iraqs economy and the country in general.

When the ISX goes international, it could push the Dinar to the FOREX which would allow the world to bid on it, raising the value.

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When the Dinar goes on the FOREX, it could prompt an RV, or a plain old rapid increase in value.

When Iraq is out of Chapter 7, they could RV on their own.

When IMF decides to pull the trigger and force Iraq to act, the currency value can change whether Iraq likes it or not.

Thats the tip of the iceberg, and I only named 5 of the things that could trigger the dinar movement.

Will we be able to join you on the next currency venture?

You bet! I enjoy sharing what I learn, and I find an active community is a great way to share information.

Can Iraq get out of Chapter 7 without an RV/RI? Why or why not?

I believe so. There are several catalysts that could pull Iraq out of Chapter 7, force a revalue of the currency, or shove Iraq forward in global terms.

When will IQD go on FOREX?

The answer to this is a little bit of all the previous answers. The cold hard fact is that the IQD will not go on FOREX until people are confident that they are purchasing something of value. This means we need to see a recognizable currency, a globally backed currency, or a history of stability that inspires confidence. We could very likely be on the verge as you read this.

Adam, do you believe the RV will happen without a LOP?

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Im betting on it! There IS a chance that a LOP will occur, though, which is why Im invested in ISX and Warka as well. Nobody is guaranteed to make a profit, but I like my chances the best being diversified.

Will the Dinar be released on FOREX at the current rate?

Thats a great question, and at the same time impossible to guarantee an accurate answer to. My opinion is that theres a 50/50 chance it will go on the FOREX at the current rate and the value will rise naturally. The other option I see is that it is forced onto the FOREX when people see the value rising.

I keep reading about economists projecting X rate. Who are they and why do they predict that rate?

Some of them are pumpers, and some are legitimate. An economist is someone who studies an economy there are small scope economists, perhaps an expert in a community. There are also large scope economists, someone who might specialize in a region (like the Middle East or North America) or even a global economist. The label economist doesnt mean someone knows when the Dinar will RV, but the science of economic data and proposing theories is respected among many of the people who will be involved in a rate change for the Dinar.

Here are some examples:

Legitimate Economist: Has an education and is employed in some capacity for the purpose of studying the local economy, perhaps of Iraq. Reports to the CBI and gives theories on what will happen in the event of a rate change either up, down, or screwball.

Kool Aid Economist: Someone you know has a friend who heard from his professor friend who is also an economist said the rate will be $3.29 or even $5.27 because of some reason that is too complicated for us normal people to understand.

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Summary: Dont drink the Kool Aid.

The funny thing about the economist angle is that no matter how right or wrong they may be, politics come before logic when it comes to money. That is the real deal.

How high will the rate go?

I have a friend who knows an economist that says its guaranteed to hit $15.32 before June. He tried to explain why, but I really dont get it hes too smart for me to understand. Im not saying you should buy some more Dinar, but Im calling my dealer first thing in the morning!

;-)

When will it mature?

This is typical of at least half the questions that I get when I copy them to a notepad, they end up completely out of context. The conversation at this point was referring to what would happen if the Dinar came out low, and then slowly rises in value. Its natural for us to want to know when the currency will hit its peak.

Actually, its a natural tendency to want to know when anything will hit its peak! Stocks, currency, my natural good looks (I know, eventually Ill start to get less attractive instead of more attractive. I just wish I knew when!)

All jokes aside I obviously cant answer to the date, but I dont think it will ever go higher than the KWD unless it takes more than 7 years and Iraq keeps oil production low. If that happens, Iraq will begin to leverage itself into a position to hold oil longer than other major countries, and the sky will be the limit.

Things will get very interesting if we dont see an RV any time soon, thats for sure!

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Will the government get a different rate than the public?

First, this only matters if youre the government. Either way, the rate you get is the rate you get! Dont fret over things you cant change focus on what matters.

Second, its like asking if there is a mafia. The answer is NO. Otherwise you end up sleeping with the fishes.

Would Chapter 7 penalties being removed have an immediate impact on the Iraqi Dinar, its trade and IMF recognition of their currency?

When Chapter 7 is removed, look out! This is not an insignificant question, and the results of this action will be tremendous.

Where will the money come from to cover the millions being traded in at time of RV?

Short answer: The money will come from trust and good will of the world and the investors in the IQD, Iraqi Stock Exchange, Iraqi Banks, Iraqi economy, and more.

Longer answer: The US doesnt have the reserves to cover its debt if China wanted to cash in on what we owe, and we definitely dont have the cash reserves to pay out what we owe to our total national debt! The USD is valued at what it is valued at because of the trust the world places in our currency and our ability to repay the loan. Iraq will get the same thing the level of trust will determine the value of the currency. The amount of assets, stability of the country, and the ability for the country to repay investors is what will cover the millions being traded in at RV time.

Can you deposit your current physical dinar into an Iraqi bank account, how do you do it, and is it risky?

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Yes, see below and also in my tutorial for opening a Warka Account here: page 18.

This question dealt with mailing dinars to Warka. It is NO LONGER AN OPTION. Warka has stated that they will no longer accept physical currency through any delivery service. (Although I assume personal delivery via camel would be ok, as long as you're riding it and it fits through the drive through.)

Should I expect to walk out of a bank with a briefcase full of money after the RV?

Not likely. The first thing you need to understand is that banks report any transactions over $10,000 this includes a currency exchange, buying a cashiers check, etc. See this file for more info: http://www.yale.edu/tax/docs/rules_def_8300.pdf

Since the IRS does have laws that affect large currency transactions, the most likely scenario is a new procedure regarding IQD transactions will be put in place. You will likely have to deposit your money and wait for exchange approval.

Banks are going to be cautious when exchanging the Dinar and will impose any restrictions they can to prevent you from walking out with a briefcase full of cash. I wouldnt be surprised to see all banks require a 72 hour holding period for new deposits to verify authenticity of the large amounts of Iraqi Dinar.

The bottom line is: youre going to have to be patient. Even on Cash In Day, I wouldnt expect to be able to instantly spend your newly acquired riches. Patience, however, is a virtue remain calm and follow the advice of your legal counsel.

Is the Dinar expected to follow a course of appreciation similar to the Kuwaiti Dinar?

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The Dinar is already on a different course than the Kuwaiti Dinar. See above for a more detailed explanation.

What US Banks carry the Dinar?

The list is constantly changing, and its usually getting smaller. At this time, I know of only a couple that still sells the IQD. Check this page for an updated list: ( http://iqd.me/l/5x )

What effects will the bombings have?

Thats impossible to answer. Bombings are a part of the violence factor, which is getting lower and lower all the time but on the other side of the coin, Iraq is a fluid situation and things could blow up at any minute.

However, the less we see bombings in Iraq, the closer we are to a stable environment. Until we see a drastic change in violence, we will not likely see a movement in the currency unless something else forces it.

Speculate on the rate low or high? .10, or $2 right out of the gate?

My personal opinion is that it will not come out at a high number. Iraq has much more to gain by coming out low, getting on the FOREX, sucking some cash in from the speculators at a low rate, and allowing the currency to rise in value based on the buying and selling of it on the world market.

With that said, my investment strategy is to hold it until I do see a decent return. You wont catch me running to the bank the instant it comes out, I can almost guarantee it!*

*Unless Im wrong, of course. If I can cash in at $2.00 right away, Ill be the first in

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line!

Are there any banks paying interest on dinars?

Yep! Warka.

Has there ever been a time that there was more buzz, or is this the hottest the Iraqi Dinar has ever been?

This is the peak! Ive never seen such buzz in the years that Ive been invested; which is precisely what prompted me to start the dinar speculation blog. As I researched, I kept finding more and more like-minded individuals who were hearing about this investment, and were all hearing the same things. As Iraq progresses towards stability, the outlook of a successful economy and valuable currency get progressively better and better!

Conclusion for now.I hope you enjoyed this book as much as I have enjoyed putting it together. If you walk away with anything, I hope you at least know this:

The Iraqi Dinar is a complex animal that has many triggers. One pull is all it will take to make this pig fly or bring it to the ground. While many of the indicators look good, there is still risk! If there wasnt, it would be called a sure thing. Its not a sure thing, not by any means. Its speculation, pure and simple.

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Dont invest any more than you can afford to lose.

Know that you have many things to be thankful for.

And dont let anyone steal your dreams!

One day soon I will be re-writing this final chapter with notes on the lives that have been changed. Im excited to one day soon talk about how thousands have been put to work, how a country regained its former status in the world, and many more wonderful things happened.

We are indeed on the path to that final chapter, and until this is concluded

Keep an eye on the blog, friends, Ill be keeping you updated.

Warm RV Wishes,

Adam Montana

P.S. As time has gone on, I have had the opportunity to do many things. I've recently taken and passed the Series 65 (Registered Investment Adviser exam.) I've put together a few amazing deals with banks, foreign and domestic. The VIP members on DinarVets.com have complete access to some incredible Wealth Protection strategies, some of which are designed to reduce tax liability, protect from lawsuits, and generally avoiding pitfalls that many new investors will fall into.

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In fact, the VIP members recently expressed an amazingly positive response to this article I wrote: How to turn $400 into $520,000 without buying ANY more Dinar! http://iqd.me/l/520kin10years

Another amazingly popular resource is the free Cash In Guide if you don't have that, get it here: http://dinarnews.net/cashinguide.php

The list keeps growing and growing... I try to keep the most current list of benefits and resources on http://dinarnews.net.

Stay in touch!

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INDEX