I present to you Publication No.26 of The Weekly Tidbit. I'm confident you'll be exposed to a wealth of helpful information as you continue to grow and develop in your understanding of what is best for you and your personal, family, and financial situation.

Go Tidbits... Go Dinar!

Dinar Daddy

A Physical Silver Shortage Spike Is Imminent

That imbalances in the supply and demand of precious metals, particularly silver, could lead to a shortage of physical product in the future should not come as a surprise to anyone. It is a topic covered extensively here in the past.

Nonetheless, as a useful reminder of the big picture in the silver market, Future Money Trends has released another update video, reminding viewers that if traded purely on fundamentals, there is a high likelihood of increases in the price of silver, and other precious metals. As the authors put it, "There simply isn't enough physical silver to deal with the demand of a fiat currency crisis. As the paper silver market pushes prices down, all hell will break loose in the physical market."

While that conclusion may or may not be applicable just yet, when coupled with recent revelations of potential double counting of precious metals at the warehouse level (see HSBC-MF Global story), the situation will certainly get only more exacerbated. Furthermore, should silver miners take Eric Sprott's advice to heart and decide to convert some or all of their product into physical, the market will suddenly recall that in addition to liquidity.

Prices are also determined by something called fundamentals. And fundamentals, especially in combination with a market risk spike, confirm a price jump may be imminent.

Must watch 4 minute video: LINK Happy Investing, Michael MacDonald, Precious Metal Analyst


By Dave Kauwe

In 1969, Peter Fonda and Dennis Hopper rode across America searching for Freedom to the tune of “Born to Be Wild” by the Band, Steppenwolf in the Movie, Easy Rider.

Today we all are looking for Financial Freedom and the use of very unique Riders is the key to having peace of mind in knowing you will not outlive your income and still have control of your monies!

There are four types of Annuities:

  • Tax Deferred Annuities
  • Immediate Annuities
  • Equity Indexed Annuities
  • Variable Annuities

Tax-Deferred Annuities – These are the typical annuities the banks and many financial institutions market.  They are underwritten by Insurance Companies.  The interest earned annually is deferred until a later time that you withdraw the proceeds.  You can have a variety of payout options.  The Insurance company controls the investments in the annuity.

Immediate Annuities – This type of annuity that will provide an immediate income for a specific time frame, such as for life, or life with a time certain, i.e. 10 years, 20 years to a named beneficiary should the annuitant pass earlier.  The Insurance Company controls the investments.

Equity Indexed Annuities – This type of annuity’s performance is tied to some sort of index such as the S&P 500, DowJones Industrials, Euro Stoxx 50, Hang Seng Index.  The great thing about these annuities is that when the market goes up you participate in the growth up to certain caps, but when it goes down, you are not penalized by the downturn.  You only can benefit from the upside and you do not lose a penny when the market’s down.  You get to choose which indices you wish to use for this annuity.  This type of Annuity also has a great RIDER called the “Guaranteed Income Benefit Rider”.  I’ll discuss this further later.

Variable Annuities – This type of annuity allows for the direct exposure into the investment markets, ie., stocks, bonds, mutual fund, etc.  You direct the investment choices as such you are also subject to the potential losses incurred.  This annuity has the highest potential returns as there are no caps on the gains, however, you also do not have the protection of a bottom floor if the market drops drastically.

Now let’s talk about the various available Riders with these Annuities:

Cost of Living Adjustment Rider – This allows your monthly payments to be adjusted yearly to help keep pace with inflation.  These may not be available with all types of annuities.  Check with your agent.

Cash Installment Refund Rider – This allows your beneficiaries to collect the difference between what was paid out to you in annuity payments and what you actually paid into the contract as a refund.

Guaranteed Income Benefit Rider - This allows an alternate account balance to be calculated based on a guaranteed stipulated interest rate, i.e., 5-7% which will be credited each year to this account.   The Phantom  Account will only be used to calculate a retirement benefit which will be drawn upon at some future date.  Should you pass away or withdraw your funds prior to the specified retirement date, the actual results experienced by your monies in your annuity will be the amount you are able to withdraw less any monies previously paid out and any penalties for early withdrawal.

Long Term Care Rider – This allows you to access your monies penalty free if you qualify based on the terms for confined care, either in a nursing care facility or qualified home health care.

Disability Rider – This allows you to access your monies penalty free if you qualify based the terms of disability.

Terminal Illness Rider – This allows you to access your monies penalty free if you are deemed to be terminally ill by qualified professionals.

As you can see, there are many riders that can help you to have peace of mind to know that if you need to access your monies for specific reasons, you can.  Annuities have come a long way over the past 50 years!

As Always Mahalo and Go RV!

Hawaiian Dave

David A. Kauwe CLU ChFC LUTCF is the Owner of Triangle Estate Planners located in Durham, NC. dave@hawaiiandaves.com or at (919) 698-8832 cell.

Proper Perspective and Real Estate

By Gary Norris, IBD – REIC and Strongbrook Direct

One day, the father of a very wealthy family took his son on a trip to the country with the express purpose of showing him how poor people live. They spent a couple of days and nights on the farm of what would be considered a very poor family.

On their return from their trip, the father asked his son, "How was the trip?" "It was great, Dad." "Did you see how poor people live?" the father asked. "Oh yeah," said the son. "So, tell me, what did you learn from the trip?" asked the father.

The son answered:

"I saw that we have one dog and they had four. We have a pool that reaches to the middle of our garden and they have a creek that has no end. We have imported lanterns in our garden and they have the stars at night. Our patio reaches to the front yard and they have the whole horizon. We have a small piece of land to live on and they have fields that go beyond our sight. We have servants who serve us, but they serve others. We buy our food, but they grow theirs. We have walls around our property to protect us, they have friends to protect them."

The boy's father was speechless. Then his son added, "Thanks Dad for showing me how poor we are."

Isn't perspective a wonderful thing?

No matter how “wealthy” we may become after the RV of the Iraqi Dinar, we all can live a “rich” purpose driven life, regardless of our circumstances.

Let us show you the passive power of real estate as a tool to increase your net worth after the RV with as little as $150,000 over 10 years.

REIC can assist you in acquiring your real estate portfolio in a very passive way for you, while you go out and live your WHY and create your legacy.

Get your free 10 year game plan by CLICKING HEREAppreciate every single thing you have, especially your friends!

Dinar Gifting Info

By Paul Lydolph, Esq.

Please be advised that I am licensed in Florida and Utah only.  Fohttp://weeklytidbit.wpengine.com/wp-admin/post.php?post=134&action=edit&message=10#toggler residents outside of those states, I cannot advise or recommend a certain course of action.  For people within those states, please be advised that this form is a sample and should be used in conjunction with advice from an estate planning or tax attorney.

The document below is for those asking about how to perform a gift of Dinar.  It is for the specific purpose of removing the Dinar from your personal estate and into an entity of your choice (or person).  The gift does not necessarily remove the tax liability, but shifts the liability to the person or entity in receipt.  There are other indications of a gift that you should complete such as the physical transfer of the Dinar to the recipient.  If you have any questions, please consult a local attorney or accountant.

The document underneath the form explains some of the advantages of gifting.  It is an example only.  It is not intended to be a statement regarding your personal situation.

Feel free to contact me directly with questions at Treasury Vault by calling toll free (888) 348-2441, or emailing me at legal@treasuryvault.com.



On December XX, 2011, I signed a Trust agreement, THE XXXXXXXXX FAMILY INTER VIVOS REVOCABLE TRUST AGREEMENT (the "Trust Agreement"), as a Grantor and a Co-Trustee.  Article III, paragraph D, of that Trust Agreement (as amended) describes "Documented Gifts" and how they change the final division and distribution of the Trust Estate by the Trustee.

Having read and understood the provisions of Article III of my Trust Agreement, including paragraph D, I now desire to make this Certificate for the purpose of establishing a "Documented Gift," to reflect one or more donative transfers, and to reduce the donee's ultimate share of the Trust's assets.  Therefore, this instrument certifies that I have given to XXXXX PERSON,TRUST OR CORP. _______________, as a "Documented Gift," cash or assets having a fair market value of $_____________________.

This "Documented Gift" shall be in addition to any other "Documented Gifts" in favor of the donee named herein.  The “Documented Gift” is in the form of Iraqi Dinar in the amount of ________________________ IQD.

Date:  ______________________________

Signed: ______________________________

STATE OF UTAH                    )

: ss.

COUNTY OF _____________   )

On the day of ________________, 20___, before me, the undersigned Notary Public, appeared XXXXXXXX, known to me to be the person whose name is subscribed to the within instrument, and who acknowledged to me that she executed the same in her authorized capacities.

_______________________________________ Notary Public

Generic Illustration of "Documented Gifts"

By Paul Lydolph, Esq.

Kathy Kindheart has three children:  Mark, Susan, and Scott.  During her lifetime, she gave (or "loaned") Susan $75,000 so she could attend college and graduate school.  She gave Mark $25,000 for the down payment on a home.  And (against good advice), instead of placing her $100,000 money market account in her trust, she named Scott as a joint owner.  At her death, her net trust estate came to $600,000 (after death taxes).  She wanted to treat her children equally, so her trust agreement required the trustee to divide the net trust estate equally among her three children.  The result, unfortunately, was very unequal:


By using the "Documented Gift" procedures and forms, however, Mrs. Kindheart could have treated her children equally:

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