Tuesday, August 1, 2023

"Best dividend ETFs and how to invest in them", 1 AUGUST

 For public companies, one of the simplest ways to communicate financial stability to shareholders is through cash dividend payments. The most established companies often share a portion of their profits with investors, rewarding them with cash dividends. For investors, dividends provide a steady stream of passive income.

Owning dividend-paying companies through exchange-traded funds (ETFs) can be highly efficient. A dividend ETF is a fund that invests exclusively in dividend-paying companies. Fund managers select these companies based on specific attributes such as size, industry, geographic region, and dividend history.

Once you select a dividend investment style, every holding in that ETF will have a similar profile.

For example, suppose you choose a fund that only invests in large-cap companies with a history of consistently paying dividends. In that case, a fund manager typically cannot deviate from that investment strategy. This principle is important, as the investment style you choose will determine the varying degrees of risk and the potential returns.

For retail investors, ETFs are convenient because they provide instant diversification at a low cost. This added benefit makes dividend ETFs appealing to novice investors because picking stocks requires a certain level of investment knowledge.

Top dividend ETFs

Below are some of the most widely held dividend ETFs on the market. (Data as of July 28, 2023)

Vanguard Dividend Appreciation ETF (VIG)

VIG tracks the performance of the NASDAQ U.S. Dividend Achievers Select Index. The investment strategy focuses on dividend growth, selecting companies that have consistently increased dividend payments for at least a decade.

Fund’s dividend yield: 1.8 percent
Top holdings: Microsoft (MSFT), JPMorgan Chase (JPM), Johnson & Johnson (JNJ)
Expense ratio: 0.06 percent
Assets under management: ~$70 billion

Vanguard High Dividend Yield ETF (VYM)

VYM tracks the performance of the FTSE High Dividend Yield Index. The index selects high-yield dividend-paying companies based in the U.S., excluding REITs (real estate investment trusts).

Fund’s dividend yield: 3.3 percent
Top holdings: Exxon Mobil (XOM), JPMorgan Chase (JPM), Johnson & Johnson (JNJ), Home Depot (HD)
Expense ratio: 0.06 percent
Assets under management: ~$50 billion

Schwab US Dividend Equity ETF (SCHD)

SCHD seeks to track the performance of the Dow Jones U.S. Dividend 100 Index, which includes companies with strong financial performance. The low-cost fund holds companies based on the quality and sustainability of their dividends and consists of many household names.

Fund’s dividend yield: 3.5 percent
Top holdings: Broadcom (AVGO), PepsiCo (PEP), Home Depot (HD), Texas Instruments (TXN)
Expense ratio: 0.06 percent
Assets under management: ~$50 billion

SPDR S&P Dividend ETF (SDY)

SDY tracks the performance of the S&P High Yield Dividend Aristocrats Index. The index screens for companies that have consistently increased dividend payments for at least 20 consecutive years.

Fund’s dividend yield: 2.7 percent
Top holdings: Walgreens Boots Alliance (WBA), 3M (MMM), International Business Machines (IBM)
Expense ratio: 0.35 percent
Assets under management: ~$22 billion

iShares Select Dividend ETF (DVY)

DVY tracks the performance of the Dow Jones Select Dividend Index. The index selects high-dividend yield companies — about 100 of them — based in the United States.

Fund’s dividend yield: 4.1 percent
Top holdings: Verizon Communications (VZ), Altria Group (MO), Ford Motor (F), Dominion Energy (D)
Expense ratio: 0.38 percent
Assets under management: ~$20 billion

ProShares S&P 500 Dividend Aristocrats ETF (NOBL)

NOBL tracks the performance of the S&P 500 Dividend Aristocrats Index. The index screens for multinational household names with a history of increasing dividends for at least 25 years, with some of them doing so for more than 40 years.

Fund’s dividend yield: 1.9 percent
Top holdings: Caterpillar (CAT), Pentair (PNR), W.W. Grainger (GWW)
Expense ratio: 0.35 percent
Assets under management: ~$12 billion

How dividends work

Dividend payments are usually issued to shareholders every quarter, although, in some cases, there can be special dividends that act as a one-time bonus. To be entitled to an upcoming dividend, a shareholder must own a company’s stock up to and including what’s known as the ex-dividend date.

Investors pay particular attention to the dividend yield, highlighting how much a company or fund pays in relation to its stock price. Dividend yields are calculated by taking the annual dividend payment and dividing it by the share price. The yield is shown as a percentage. Yields may be calculated based upon payments made over the last year or payments expected to be made over the next year.

For example, if a company’s annual dividend payment is $4 and the share price is $100, you would see a dividend yield of 4 percent with a quarterly distribution of $1.

To be sure, a high yield doesn’t always mean a solid investment opportunity. Indeed, many investors view the highest yields as a red flag that a company’s shares might have taken a hit, causing yields to rise. A very high yield could also be a sign that investors think the company will cut its dividend payment in the near future.

As a rule, be sure to look at a company’s entire financial picture before investing. A dividend payment is just the icing on the cake.

How to invest in dividend ETFs

A solid dividend strategy can be a key component of an investor’s portfolio. Since the 1930s, dividends contribution to the S&P 500’s total returns averaged about 40 percent, according to research by Hartford Funds. And when dividends are reinvested, the returns are even higher, accounting for 69 percent of the S&P’s total returns since 1960.

Inherently, dividend investing tends to be less risky. Companies in a position to issue regular payments are often more cash-rich than those trying to rapidly grow their businesses. Well-established names also have a history of boosting their dividend payouts every year and take a lot of pride in doing so.

When choosing dividend ETFs, here are four steps to consider:

  • Determine your financial goals: The type of investments you choose depends on what you are trying to achieve. For example, someone about to retire will likely have a more conservative approach to investing. So always let your financial objectives drive your decision-making.
  • Research dividend funds: When selecting dividend ETFs, pay attention to factors like dividend history, dividend yield, the fund’s performance, expense ratios, top holdings, and assets under management. Investors can find this information in a fund’s prospectus.
  • Outline your asset mix: Before investing, do an inventory of what you own and how you want to allocate your assets. Remember, the key is to remain diversified.
  • Know what you own: By periodically reviewing your investments, you can take charge of your finances and make any adjustments needed. Leverage any free resources from your broker, like meeting with a financial planner, and always ask questions. Ultimately, there’s no such thing as a hands-off investment.

Like any other investment, dividend ETFs are susceptible to losses. The magnitude of potential losses is tied to the level of risk contained in the portfolio. So a fund that invests heavily in potentially riskier assets like companies in emerging markets will have a very different risk profile than a fund that invests in established, tried-and-true names. Macroeconomic factors like the interest rate environment also play a factor.

Are dividend ETFs a good investment for you?

An investment approach focused on dividends can make sense for many people at different stages of their investing lives. Dividends can be a great way to build wealth over time, as growing companies distribute earnings to their shareholders. Dividends also make sense for those looking to generate income from their investments, such as those who have reached retirement age. Always think about your investment goals and consider whether dividend ETFs can help you achieve them.

What to look for in a dividend ETF

Here are some things to consider when choosing a dividend ETF:

Fees
You'll want to understand the ETF's expense ratio before making an investment. Some ETFs have very low fees, while others can run higher and eat into your returns.
Yield
Pay attention to a dividend ETF's yield to understand what kind of income you can expect to earn over the next year. Remember that future dividends aren't guaranteed, but a yield will give you an idea of what to expect.
Liquidity
Some ETFs might have less liquidity than the more popular funds offered by major ETF managers. When the time comes, this could make it harder to sell.
Portfolio makeup
Keep an eye on the fund's holdings and see if it has a lot of exposure to certain companies or industries. If a fund has significant exposure to one industry, you likely won't get the diversification benefits offered by other funds.

How are dividends taxed?

Depending on the type of investment account you own, dividend distributions are taxed as regular income or at a reduced rate under special considerations. These rules only apply for holdings outside tax-advantaged accounts like a 401(k) or an IRA, where you won’t pay taxes on dividends or capital gains.

Bottom line

History shows that dividends have been a significant source of income for investors. When consistent dividend payments and rising stock values are combined, they can be a powerful wealth-building tool.

https://www.bankrate.com/investing/best-dividend-etfs/#taxes

"IRAQI LEADERS & JUDGES CONVENE TO TACKLE CURRENCY MANIPULATION", 1 AUGUST

 A government meeting to support the dinar and address manipulation and speculation

2023-07-31
A government meeting to support the dinar and address manipulation and speculationA meeting was held at the headquarters of the Supreme Judicial Council, today, Monday, within the framework of supporting national efforts to support the Iraqi dinar and to address manipulation and speculation carried out by some speculators in violation of the law.
The media center of the Supreme Judicial Council stated in a statement, “The meeting brought together the head of the Public Prosecution Service, the head of the Judicial Oversight Authority, the senior investigative judges of the second and third Karkh Investigation Courts, and the Rusafa Investigation Court specialized in cases of integrity and economic crime, in addition to the head of the National Security Agency and an undersecretary of the minister.” Interior for Intelligence Affairs.
The statement added, “During the meeting, the best ways and mechanisms were discussed to address the phenomenon of manipulation of the value of the Iraqi dinar against the dollar, in order to ensure its reduction and the prosecution of those involved in it in accordance with the laws in force.”
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China’s yuan expands its growing foothold in South America as Bolivia reduces reliance on US dollar

Jul 31, 2023, 2:09 PM EDT

China’s yuan is expanding its foothold in South America as Bolivia reduces its reliance on the dollar.

The country’s yuan transactions from May to July accounted for about 10% of its foreign trade in that span.

Bolivia has been hit by dollar shortages recently as lower natural gas production hit exports.

Bolivia is reducing its reliance on the US dollar and turning to the yuan, marking the latest sign that China’s currency is expanding its growing foothold in South America.

The country made financial transactions totaling 278 million Chinese yuan ($39 million) from May through July, or about 10% of its foreign trade in that span, Bolivia’s economy minister said Thursday.

 “We’re already using the yuan. It’s a reality and a good start,” Marcelo Montenegro said at a news conference, according to the Associated Press. “Banana, zinc, and wood manufacturing exporters are conducting transactions in yuan, as well as importers of vehicles and capital goods.”

He later added, “The amount being used in yuan is still relatively small, but it will increase over time.”

Bolivia’s currency, the boliviano, is pegged to the dollar. But the country has been hit by dollar shortages recently as lower natural gas production hit exports.

As its foreign exchange reserves shrink, the government’s ability to defend the dollar peg has come under pressure.

Bolivia joins South America’s two biggest economies, Argentina and Brazil, in tilting toward the yuan and away from the dollar. 

In April, Argentina said it will start buying the bulk of its Chinese imports in yuan instead of dollars, as it seeks to preserve its shrinking supply of greenbacks.

Argentine companies are increasingly turning to China’s yuan amid dollar shortages, though many consumers use the dollar in daily purchases as hyperinflation slams the peso.

And in February, Brazil agreed to using the yuan in cross-border transactions with China. And Brazilian President Luiz Inácio Lula da Silva has urged developing nations to find an alternative currency to the dollar, denouncing the central role of the greenback in global trade. 

https://markets.businessinsider.com/news/currencies/dedollarization-dollar-dominance-china-yuan-bolivia-argentina-brazil-south-america-2023-7

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Iraqi judges, security leaders convene to tackle currency manipulation


Shafaq News / Iraqi judges and security leaders held a meeting at the headquarters of the Supreme Judicial Council to devise mechanisms for addressing "currency manipulation" involving the Iraqi dinar and to pursue those involved in such activities.

According to a statement by the Supreme Judicial Council, the meeting was attended by the Chief Prosecutor, the Chairman of the Judicial Supervision Authority, the top investigating judges from the second and third investigation courts in Al-Karkh, and the investigation court in Al-Rusafa, which handles integrity and economic crime cases. Additionally, the meeting included the head of the National Security Apparatus and the Deputy Minister of Interior for Intelligence Affairs.

During the meeting, they discussed the best ways and mechanisms to address the phenomenon of currency manipulation, particularly concerning the value of the Iraqi dinar against the US dollar, aiming to curb such practices and prosecute those involved in accordance with existing laws, as stated in the statement.

Today, Monday, the Supreme Judicial Council announced the arrest of suspects involved in suspicious financial activities.

The suspects admitted to setting up business companies as a cover for smuggling currency out of Iraq. These companies were raided in various areas of Baghdad, resulting in the confiscation of approximately fifteen million dollars. The seized funds were subsequently deposited with the Central Bank, after the Anti-Money Laundering Office submitted reports indicating suspicions of money laundering through monopolizing the dollar in this manner.


https://shafaq.com/en/Iraq-News/Iraqi-judges-security-leaders-convene-to-tackle-currency-manipulation

"Here's How Apple Could Win Big From AI" by BRENDAN MCDERMID, 1 AUGUST

 Apple (NASDAQ: AAPL) is the most valuable company in the world with a market capitalization of just over $3 trillion. It reached this position thanks to the terrific demand for its iPhones, iPads, and MacBooks over the years. But the company now needs something new to power its next phase of growth.

Apple's growth plateaued thanks to a weak smartphone market. The company's revenue in the first six months of the current fiscal year dropped to $212 billion (compared to $221 billion in the same period a year ago). The iPhone, which generated 55% of its revenue in the first half of fiscal 2023, saw a dip in sales.


There is a good chance that Apple can strike gold with its next generation of iPhones as a massive installed base of users will need upgrades and the company has strong pricing power. But the tech giant is also taking steps to diversify into new areas to accelerate its growth. One way it hopes to do that is by jumping intothe small but fast-growing market for mixed-reality headsets. There are also rumors that Apple is developing self-driving vehicles.


Now it looks like artificial intelligence (AI) is another segment Apple wants to tap to accelerate its growth.

Apple is reportedly developing a ChatGPT competitor

ChatGPT, OpenAI's chatbot, became a raging success after it was launched late last year (with significant funding assistance from Microsoft (NASDAQ: MSFT)). The generative AI-powered chatbot quickly built a big user base, reaching 100 million users within just two months of launch.

Microsoft was quick to capitalize on ChatGPT's popularity and introduced paid subscriptions for the service. Microsoft also deployed OpenAI's generative AI platform into services such as the Bing search engine and Microsoft Office applications. These moves could unlock a solid long-term opportunity for Microsoft in multiple areas.

The chatbot market is one of those opportunities considering the impressive pace at which it is expected to grow. According to a third-party estimate, the global chatbot market could generate $42 billion in annual revenue by 2032, clocking a compound annual growth rate of almost 24% over the next decade. For comparison, the chatbot market was worth just under $5 billion last year.


Not surprisingly, several companies -- both big and small -- are in a race to deploy AI-powered chatbots. Bloomberg's Mark Gurman recently reported that Apple is also in this race. According to Gurman, Apple is reportedly building an AI-powered chatbot to compete with the likes of ChatGPT. Gurman adds that the tech giant has already developed a large language model (LLM) to power its generative AI offerings, including the chatbot.


Apple won't say if it is indeed looking to jump into the generative AI market. But the rumor mill has gotten better in recent years at predicting the company's upcoming products. That suggests that Apple may indeed be on track to jump into this space.


Why AI could open a new growth frontier for Apple

It won't be surprising to see Apple actually move into the generative AI space. The chatbot market is expected to be huge in the long run. And chatbots are just one of the many applications that use generative AI technology. The overall generative AI market is forecast to grow 42% annually over the next decade and generate $1.3 trillion in annual revenue in 2032, according to Bloomberg Intelligence. So, it makes sense for Apple to accelerate its efforts to incorporate generative AI into its offerings, especially considering that other tech giants, such as Microsoft and Alphabet, have already made progress in this space.


Generative AI offerings like chatbots could nicely complement Apple's huge installed base of devices and unlock growth.

Apple CEO Tim Cook said in February that the company's installed base of devices, including iPhones, iPads, MacBooks, and other hardware offerings, now exceeds 2 billion units. So the company already has access to a huge user base that could adopt its generative AI offerings. If Apple charges a fee for the service, that would create a significant new revenue stream.


Microsoft and OpenAI, for instance, charge $20 a month for ChatGPT Plus. The paid ChatGPT subscription allows users to access the chatbot even during peak hours and provides faster responses to their queries. Paying users also get access to new features before others.

Apple could consider doing something similar with Siri, its AI-powered voice assistant, which is present on multiple devices ranging from iPhones to iPads to AirPods to the Apple Watch. Apple could use generative AI to make Siri smarter, using its large language models, and deploy the functionality in its productivity apps, such as Pages, Numbers, and Keynote, as well. If Siri can compose emails, create text such as essays, and write poems based on user prompts -- just like ChatGPT -- Apple could consider monetizing it.


There is no official word from Apple if it is indeed looking to move into this market. But don't be surprised to see the company integrate generative AI into its products going forward, as other big tech giants could steal market share from Apple if it doesn't step up its efforts in this area. Also, there is a huge incentive for Apple to accelerate its generative AI efforts as it already has a solid opportunity to monetize this technology and give its flagging growth a big shot in the arm.


https://www.nasdaq.com/articles/heres-how-apple-could-win-big-from-ai

"CALLS FOR THE APPLICATION OF ART.204 IRAQI PENAL CODE TO PROTECT THE IQD", 1 AUGUST

 “HCM CITY — HDBank is one of the first lenders in Việt Nam to have successfully adopted Basel III reforms standards.” HD Bank in Vietnam has upgraded from Basel 2 to Basel 3 Reforms across the board on all of the requirements it takes to be compliant. The Basel Committee has recommended this for International Banks since January 1, 2023, and HD Bank is our first International pioneer. They have reached sustainable goals through Article 4…with the IMF, and they are now able to move forward… Iraq being on a similar track…HDBank, one of the pioneers in Việt Nam, has applied leading international risk management standards.

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The Secretary General Of The National Product Calls For The Application Of Article 304 Of The Iraqi Penal Code To Protect The Dinar
07/31/2023
10k Iraqi Dinar notesEarth News/ The Secretary-General of the Parliamentary National Product Bloc, Jassem Al-Amiri, called Sunday, for the implementation of Article 304 of the Iraqi Penal Code to protect the dinar.
Al-Amiri’s media office said, in a statement received by Earth News, that “the government’s measures to control fluctuations in the exchange rate of the dollar, which included authorizing more than 100 exchange companies to obtain their shares of the dollar, and after the United States denied the issuance of any sanctions against Iraqi banks, the dollar prices began It is witnessing, on a daily basis, a significant decrease.”
He added, “One of the reasons for the high price of the dollar is the statements of some that the US Treasury Department could impose sanctions on the central bank, which aroused citizens’ anger and concern, which prompted them to resort to buying dollars, which increased the demand for it.”
Al-Amiri called on “the government, and specifically the Central Bank, to take measures to reassure the Iraqi people and encourage them to deal in the Iraqi dinar, and to take strict measures against manipulators of the exchange rate, and to activate Article 304 of the Iraqi Penal Code, which stipulates the punishment and imprisonment of anyone who publicly broadcasts fabricated facts or allegations that would Causing a decline in the national banknotes or weakening confidence in the state’s currency and its bonds.
He pointed out that “the main affected by the inconsistency in the price of the dollar is the people, who will face a rise in the prices of materials, especially foodstuffs.”
earthiq.news

EVENING UPDATE WITH MARKZ ( SPANISH), 1 AUGUST

 Noticias del lunes por la noche con MarkZ 7-31-2023

Miembro: Buenas noches a todos.
MZ: La charla se iluminó de repente esta tarde de una manera muy positiva. Comencemos con los Rumores.
MZ: Tengo contactos de Asian Bond a quienes se les ha pedido que viajen esta semana... para estar en el lugar el viernes antes del cierre de las operaciones bancarias regulares. ¿Quizás las cosas finalmente se están moviendo?
MZ: Tengo entendido que la NDA o la presión para guardar silencio no es tan severa en Asia... No están tratando de ocultar cosas como lo hacen los bancos centrales de Europa y EE. UU. Me lo tomo como una noticia excepcional.
MZ: Esto es lo primero que escucho desde que el lado de los bonos se silenció hace unas semanas. No hubo noticias de Reno o Zurich, Londres, etc. Todas las noticias procedían de Hong Kong y Asia.
MZ: También hay un enorme hallazgo de gas natural en Austria. Es una locura cómo estos descubrimientos repentinos están comenzando a suceder. .
MZ: "HD Bank logra una ganancia de $23 millones... adopta las normas de Basilea 3" En Vietnam... adoptaron Basilea 3 desde el principio y son muy rentables. Los bancos que no luchan contra este movimiento son más sólidos financieramente,
GRACIAS A TODOS POR UNIRSE. ¡QUE TENGAS UNA BENDECIDA NOCHE! NOS VEMOS A TODOS EN LA MAÑANA PARA EL CAFÉ A LAS 10:00 AM EST ~ ¡A MENOS QUE SUCEDAN LAS ÚLTIMAS NOTICIAS!

Frank26….7-31-23…….IQD…YOUR TURN

KTFA

Monday Night Conference Call

Frank26….7-31-23…….IQD…YOUR TURN

This video is in Frank’s and his team’s opinion only

Frank’s team is Walkingstick, Eddie in Iraq and guests

Playback Number: 605-313-5163   PIN: 156996#

What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE.

Coffee with MarkZ 08/01/2023

Thank you MarkZ for all your time, and encouragement daily….. PDK

MarkZ Tuesday Update- Some highlights by PDK-Not verbatim

MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context.  Be sure to consult a professional for any financial decisions

Member: Welcome to a new month.

Member: I’m always a bit down when another month slips away with nothing happening. Hope August is different

Member: Welcome to another Groundhog Day, lol. 

Member: Y’all! It’s a super moon, all the planets are aligned… it’s a great day for some awesome news!

MZ: Lets start with Iraq. They are again trying to remove dinar from circulation. I was told we should see this at the end. We have seen in the past where they are trying to clean dinar from foreign accounts that doesn’t belong there. From corruption in governments ect…….. In Iraq they are told that they are going after illegal smuggling operations. 

MZ: I liked this one. “The US hopes in Iraq have ended with the Oil for Gas deal with Iran”  They are going to pay with oil supplies for gas and electricity from Iran. The US would not allow them to pay with US dollars because of sanctions…so they are going their own way. Iraq is trying to survive. The US basically pushed Iraq away and now they are upset that Iraq is improving ties with the rest of the gulf regions. 

Member: USA has a lot of nerve calling Iraq corrupt!

MZ: We are also hearing from people inside Iraq that the instructions for releasing the implementation for the budget have been issued a time ago and publically they been acting as if things were not done. They are doing this on purpose as certain people and positions were being removed. They were quietly cleaning house behind the scenes. Firm discussions were issued from the Prime Minister’s office to NOT disclose these matters. They are about ready to announce they have made these necessary changes. 

MZ: I think this lets us know they are working diligently on full implementation of the budget…..and This should bring us a change in value. 

Member:  Guru Mnt Goat  I know for a FACT they must reinstate the dinar to satisfy their plans to revive Iraq and make it hub for the middle east. This is their plan and they know they have to reinstate the dinar to do it. This is just not Mnt Goat speaking but the IMF, World Bank and the CBI...you have come this far in the process. Don’t give up now we are about to cross the finish line very soon.

MZ: Mountain Goat is dead on right on that one. 

MZ: On the rumor side I am still hearing phenomenal things. I don’t know whether to take them seriously. 

MZ: I know a number of very connected people who are traveling to be in place by Friday. I hope it means this thing is finally coming to an end. We just don’t know. But it is very encouraging the sheer number of reports from folks that were asked to travel and be in place. 

MZ: Stay calm – but this is getting interesting. 

Member:  All intel is leading to RV/GCR 209 countries on the same economical page.

Mark, I wonder if there is any significance in Iraq paying their retiree’s salaries today?

Member: Mark, I heard estimates that 100m people own foreign currency. I wonder will calling the 800 number be difficult and will appointments be scheduled days or weeks out? 

Member: Good news- my bank manager knows about our COLORFUL NEW CURRENCY coming out soon. 

MZ: We are getting more and more leaks now – even from the lower or branch levels. 

Member: Once we receive our appointment notice how long will we have to do the redemptions. Just wondering because I will be out of town for a week.

Member: Mark has said we have 10 days to make appointments and 30 days to exchange…..unless it has changed since then. 

Member: How restrictive is the NDA going to be?

MZ: I was told repeatedly the NDA will be about the rate you are paid.  So to me that doesn’t sound too restrictive. IF that is accurate. But whatever it is- honor it. 

Member: Bearded Patriot is reporting liquidity started to get ready Iraq is communicating with the treasury they want it published this Saturday! Lots of good news.

Member:  Per bearded patriot this am. He has been told to be quiet as this is very close

Member: I pray we are close to Nesara, Gesara being implemented!!

Member: it’s a difficult time to be alive but a very rewarding time because we get to see a time in history most of us have only dreamt would ever happen in our lifetimes, Justice for ALL

Member: Thoughts are things…..let’s make this happen!

Member: Happy birthday to all celebrating today….and prayers for all who need it…

Member: See you all tonight. 

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