MEMBERS ONLY

THE G.E.M.

~GROUP

Going The Extra Mile

-Quote of the Week

Dedicated To The G.E.M. ~ GROUP

Life Is Short ~ Live It

Love Is Rare ~ Grab It

Anger Is Bad ~ Dump It

Fear Is Awful ~ Face It

Memories Are Precious ~ Cherish Them

Submitted By~ BoMonkey

Group Discussions

Tuesday 12/09/14

Discussion open 9:05pm EST -11:30 pm EST

Song: Various Christmas Music~

Open Prayers ~ Delightful

Closed Prayers ~Faith Forward

Recite of Pledge ~ Delightful

Mission & Vision Statement ~ DNC

Welcome ~ Beloved

Roll Call ~ 23 present

Call in ~ 2

No Shows ~ 2

Minutes taken by Blk Pearl - Thursday 12/04/14 - Read & Approved

No Announcements

Role Playing ~ Exchanging your currencies with Deekin & DNC & Grateful.

After the role playing ended it was suggested by Deekin this points:

*Don't be afraid to negotiate your rates ~ ask for odd #s, it seems the bank appreciate it more

*Make sure to keep you currencies in separate accounts ~ for tax purposes

*Don't be afraid to ask to look at the screen ~ as rates are being quoted

*Develope your credit ratings ~ Don't be in a hurry to pay off creditors balances in cash- just a portion

*Deposit into a compound interest account ~ High yield no risk

*Learn the right termionology to use when speaking to your Wealth Manager or Fianancial Banker

*Ask about any benefitional perks ~ there may be a gift tax involved depending on the perks

Grateful: Comment ~ I recently learned that some banks don't compete by offering perks they rely on giving the best customer services!

Is there anything we should be doing before we recieve the 800#?

Deekin: Be ready & have a plan in place! Have your questions ready for your Wealth Manager. Prepare yourself on how to negotiate. Don't be afraid to ask for the next level up if neccessary if you don't feel your being treated properly.

Hope44: Comment ~ Do anyone feel this would be a good move to exchange some of your currencies into other countries currencies?

KIR: It probably best to purchase other currencies now, instead of waiting. This will give you the opportunity to Diversify your portfolio. But use caution as an investor and get knowledge beforehand on the country & their currencies.

Grateful: Comment ~ Very interested in investing in Africa. She has been doing a lot of research on Zenith Bank in Africa.

Deekin: Comment ~ Zenith Bank with be the 1st Global Bank!

KIR & Grateful: Lets strategize as a group on the 52 countries in Africa. Each person take a country to see if it worth investing? Look into their natural resources & infrastructures.

Deekin: Comment ~ You can also inquire with the bank of that country.

Amazing Grace: Comment ~ Make sure you look into the structure of their government!

Closing Song: Silent Night by The Temptation

Closing Prayer: Faith Forward

In Attendances

Blk Pearl

DNC

Grateful

Fabulous Girl

Faith Forward

Keeping It Real

BoMonkey

Crystal From Texas

The Author

Angel From Florida

Beloved

Deekin

Michigan

Dance All Night

Paradise Plum

Delightful

Peacemaker

Tessie

Lady Ethel

Diva Girl

Hope44

Hot Chocolate

Amazing Grace

Call In Abences

Jr Dinar

Cancer Free

No Show

Show Me ~ No Longer Eligible for Membership

Candid Yams

*Staff & Positions

Beloved ~ Senior Group Leader

DNC ~ Jr. Group Leader

Blk Pearl ~Group Leaders Assistant ; Board Moderator & Website Design/Coordinator

Keeping It Real ~ Senior Advisor

Fabulous Girl- Back up- Board Moderator

Faith Forward ~ Motivational Speaker

Special Dedication To My

G.E.M. Family

All my days have already be written;

When I go thru a disappointment,

I don't stop on one account

I stay they course

I keep believing

I may be tired; discourged and frustrated

But I didn't give up on my future

We all hit times when we lose hope & need someone to put their arms around us & say....

"I got you right now! I won't let you face this alone!"

Thanks & Graitude

When I needed you the most you always been there;

So I didn't get things twisted!