The Iraqi dinar without zeros: The Central Bank of Iraq launches a historic reform.

TNT:

Tishwash:  The Iraqi dinar without zeros: The Central Bank of Iraq launches a historic reform.

Written by Dr. Subhi Jabara…

Research and writing by: Dr. Subhi Jabara

The Central Bank of Iraq has officially confirmed that it is moving forward with its long-awaited “zero-zero” project, a massive financial reform that will fundamentally reshape the country’s economy and its standing on the global stage.

In a series of statements, the Central Bank Governor emphasized that the project is not mere speculation but a concrete initiative that has generated considerable enthusiasm and interest in international financial circles

 This ambitious project aims to rename the Iraqi dinar by removing three zeros from its nominal value to better reflect the country's growing economic strength.

This move, which has been the subject of rumors for years, is currently under active development, with comprehensive studies and simulations having been completed.

 According to the Governor, the process will be gradual and meticulously planned to ensure financial stability while unlocking the currency's true potential. 

For years, the Iraqi dinar has suffered from a decline in its nominal value as a result of decades of conflict and economic instability.

The current exchange rate, hovering around an unofficial rate of 1,415 dinars to the US dollar, forces citizens to carry large amounts of cash for their daily transactions and complicates international trade and investment.

 The “zero-zero” project was designed to address this problem by simplifying the currency and aligning it with the country’s strong economic fundamentals, including robust oil revenues, expanding gold reserves, and deepening trade partnerships with global powers such as China, the United States, and the European Union

 While the Central Bank has been careful not to commit to a specific timeline, the confirmation that the project has begun marks a pivotal moment for Iraq. This represents a transition from post-war recovery to a new era of economic independence.

Signs of Reform: How Will “Removing Zeros” Work?

The phrase “removing zeros” may sound alarming, but it is a standard monetary policy tool known as currency revaluation.

 It is not a confiscation of wealth, but rather a recalibration of the currency's nominal value.

 In essence, 1,000 old Iraqi dinars will become 1 new dinar. Crucially, all prices, wages, and savings will be adjusted proportionally, ensuring that individuals' purchasing power remains stable at the moment of the shift

The real shift occurs in the subsequent adjustment of the exchange rate

The Central Bank has developed several scenarios, with internal studies predicting that the floating dinar could stabilize automatically at a value in the distant future between 3.22 and 4.25 dinars to the dollar.

The governor clarified that these figures are not a declared rate but rather an indicator of the currency's potential if it is allowed to float freely based on market demand and Iraq's economic fundamentals

Two main paths are being considered for the next phase.

Economists close to the central bank indicate that both options remain on the table. The choice will depend on the government's strategic priorities, whether it favors a gradual, market-driven adjustment or a swift and decisive reset.

 Either path would trigger one of the most significant currency transformations in the modern Middle East.

The economic driver: Why is now the right time for a stronger dinar?

 The timing of this reform is not coincidental. The Iraqi economy is at an evolutionary turning point.

The country's fiscal position has steadily improved, driven by several key factors:

Strong oil revenues:

As a leading producer in OPEC, Iraq's steady oil revenues provide a stable foundation for its economy and strong support for its currency.

Growing gold reserves:

The central bank is actively expanding its gold reserves, a traditional safe asset that enhances monetary stability and international credibility.

 Deepening trade partnerships:

 Iraq has developed strong trade relations with major global economies, including China, the United States, and the European Union, diversifying its economic interactions and reducing its dependence on any single partner.

Despite this strength, the nominal value of the dinar has been lagged, widening the gap between the official exchange rate and its true value.

Each time Iraq's GDP grows or its foreign reserves increase, this discrepancy becomes more pronounced.

The “zero-zero” project is the mechanism to close this gap, allowing the currency to finally reflect the country’s true wealth and economic progress

This reform is expected to have profound global implications.

Revaluing the Iraqi dinar would:

• Boost regional investment: A stable and strong currency would make Iraq a more attractive destination for foreign investment, thereby fostering economic growth throughout the region.

• Reduces dependence on the dollar: By re-pegging its currency into a diversified basket of currencies or commodities, Iraq can reduce its reliance on the US dollar for oil settlements, a move with significant geopolitical implications.

• Inspires monetary reform: It could inspire neighboring economies to reassess their monetary structures, potentially triggering a wave of fiscal modernization across the Middle East. For Iraq itself, this is more than just an economic adjustment; It is a step toward a historic fiscal renaissance, signaling Iraq's transition from post-war recovery to a future of economic independence and self-determination.

 A new chapter for Iraq: The way forward.

The central bank governor has emphasized that this reform is not a rash or hasty move; Every step is carefully measured, documented, and designed to maintain stability and public confidence. While the precise implementation timeline remains confidential, the confirmation that the project has begun and the preliminary studies are complete indicates that implementation is closer than ever.

When the reform takes place, whether through a gradual float or a sudden restructuring, it will permanently alter Iraq's fiscal identity.

The phrase “removing zeros,” as simple as it sounds, represents one of the most ambitious and complex financial engineering projects in the country’s modern history.

The central bank is not just changing numbers; It is redefining how Iraq interacts with the global economy. The world is watching closely.

The potential shift in the dinar's value, with projections ranging between 3.22 and 4.25 to the dollar, has captured the attention of investors, economists, and governments worldwide.

This is not just an economic story; it is history in motion. As Iraq stands on the precipice of this financial transformation, the message is clear: the nation is ready to transcend its past and write a new chapter of prosperity and strength. link

Seeds of Wisdom RV and Economics Updates Monday Afternoon 11-10-25

Good Afternoon Dinar Recaps,

Saudi Arabia’s State-Backed Stablecoin — Gulf FinTech as a New Reserve Tool

Riyadh leads digital finance innovation under Vision 2030.

Overview
Saudi Arabia is pushing the creation of a nationally-issued stablecoin, regulated by its central bank and capital markets authority, as part of its strategy to modernize its financial system and reduce dollar-dependence. 

Key Developments

• The initiative has received endorsements from major cryptocurrency and digital-asset exchanges, positioning the Kingdom as a regional fintech leader. 

• 79 % of Saudi day-to-day transactions are now cashless, offering fertile ground for a digital-asset settlement infrastructure. 

• Industry commentary frames the move as a turning point for the Gulf’s digital-asset ecosystem, linking trade-settlement, cross-border payments and national sovereignty. 

Why It Matters
The stablecoin initiative is a concrete signal that monetary sovereignty and digital liquidity are becoming central to how states view reserve-currency architecture. For global finance, this marks a pivot: settlement systems may increasingly bypass legacy dollar plumbing, edging toward regional digital rails. Investors and global institutions must consider that reserve currency dynamics are evolving from dollars + bonds toward digital + asset-linked frameworks.

Implications for the Global Reset

• Pillar: Currency & Reserve System — A national digital currency denotes a shift in reserve-system architecture.

• Pillar: Finance — Enhanced liquidity and settlement efficiency underpin new flows of capital in the Gulf.

• The story underlines that the global reset is not just about de-dollarisation, but about a re-engineering of how money, payment and credit are organised in a digital age.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Al Arabiya News, “Global crypto exchanges back Saudi Arabia’s stablecoin, digital- asset ambitions” 6 Nov 2025. Al Arabiya English

• Watcher.Guru, “Saudi Arabia’s Stablecoin Initiative Receives Major Industry Support” Nov 2025. Watcher Guru

• Forbes, “The real-world rise of stablecoin remittances for the Gulf region” 26 Oct 2025. Forbes

• Carnegie Endowment, “The Future of Cryptocurrency in the Gulf Cooperation Council Countries” May 2025. Carnegie Endowment

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Copper Crisis 2026 — Structural Deficit and the Green-Tech Squeeze

The world’s industrial backbone faces its largest shortage in two decades.

Overview
The global copper market is forecast to face its worst supply deficit in 22 years by 2026—estimated at around 590,000 tons—with potential widening by over 1 million tons by 2029. 

Key Developments

• Morgan Stanley projects copper prices will remain elevated into 2026, driven by supply disruptions and weaker U.S. dollar. 

• Analysts cite major mine disruptions, output contractions (first since 2020) and surging demand from AI data centres and electric-vehicle infrastructure as key drivers. 

• Reuters reports price forecasts rising to ~US $10,500 per metric ton in 2026, reflecting the structural squeeze in one of the world’s key industrial metals. 

Why It Matters
Copper is foundational for electrification, infrastructure and high-tech manufacturing. A structural shortage means inflationary pressure, shifts in mining investment, and potential bottlenecks in global growth. For global finance, this demonstrates that the physical commodity base remains a critical factor in any reset of asset valuations, trade flows and reserve hedging strategies.

Implications for the Global Reset

• Pillar: Metals — Resource scarcity accelerates commodity-backed trade and alternative asset flows.

• Pillar: Markets — Supply constraints force investors to re-evaluate industrial-commodity exposure and inflation risk.

• The copper shortage reveals that the global reset is not only monetary, but deeply physical: scarcity of key materials will shape how the system is restructured.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru, “Copper Market Crisis: 2026 Set for Biggest Shortage in 22 Years” Nov 2025. Watcher Guru

• Chronicle Journal via Investing.com, “Morgan Stanley Bets Big on Commodities: Gold & Copper Shine Amid Inflationary Pressures” 29 Oct 2025. The Chronicle-Journal

• Investing.com, “Copper: Supply Shortages May Spark Explosive Breakout” Oct 2025. Investing.com

• Reuters, “Copper to hold gains in 2026 as mine disruptions fuel deficit” 27 Oct 2025. Reuters

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4 Ways Middle-Class Earners Are Protecting Their Money in Today’s Uncertain Economy

4 Ways Middle-Class Earners Are Protecting Their Money in Today’s Uncertain Economy

Laura Bogart   Sun, November 9, 2025  GOBankingRates

When it comes to the global economy these days, you should expect the unexpected. Stock markets are behaving like roller coasters, prices of everyday goods continue to rise, and the job market remains unpredictable. Middle-class earners are feeling the strain. Protecting their money — and their peace of mind — in such uncertainty is a daunting task. Fortunately, safeguarding their hard-earned savings may be easier than they think.

According to Jayant Mistry, CFA, senior vice president, CFO and treasurer of consumer banking at Synchrony, there are some simple yet effective steps middle-class earners can take to ensure that the ups and downs of the broader economy don’t send their personal finances into a spiral.

He shared some of these tips with GOBankingRates as part of our Top 100 Money Experts series.

Plan for a Rainy Day

While you’d like to believe your life will be nothing but sunshine, rainy days — like a job loss, car troubles, health issues or home repairs — will inevitably roll in. Mistry says middle-class earners can protect themselves from getting wet by setting up an emergency fund.

In addition to saving for major life goals, he encourages people to set aside money that can insulate them from financial surprises.

“I think being financially secure is about planning not just for large events, but also rainy days,” he said. “We all have so much going on in our lives, so having tomorrow or someday funds around allows people to feel more secure and have flexibility when difficult life events occur.”

Set Up a System To Pay Yourself First

Though you might want to dive straight into investments or complex money management strategies, Mistry says you’re better off starting slow and simple. He recommends setting up three different bank accounts: one for required expenses, one for wants (such as a money market account) and one for emergencies (ideally a high-yield savings account).

Once you’ve set up your accounts, Mistry wants you to establish a system that lets you “pay yourself first” — or add to your savings — automatically.

TO READ MORE:  https://www.yahoo.com/finance/news/4-ways-middle-class-earners-162821576.html

News, Rumors and Opinions Monday 11-10-2025

Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.

RV Excerpts from the Restored Republic via a GCR: Update as of Mon. 10 Nov. 2025

Compiled Mon. 10 Nov. 2025 12:01 am EST by Judy Byington

This Global Currency Reset (GCR) to gold/asset-backed currencies of 209 countries and activation of the Quantum Financial System (QFS) was here and has been a long time coming.

Countries of the World had to be at peace in order to participate in the new gold/asset-backed Global Financial System – that took away monies and power from the Global Elites. 

Trump had (allegedly) accomplished that and now has flipped the switch. 

Mon. 10 Nov. 2025 appeared to be an important day for EBS Activation, establishment of the Restored Republic, release of the Quantum Financial System and Global Currency Reset.  

Whispers abound that Ten Days of Communication Darkness will begin on Mon. 10 Nov. 2025.

If that happens, then on the next day of  Tues. 11 Nov. 2025 Veterans Day or soon thereafter, Tier4b (us, the Internet Group who hold foreign currencies and Zim Bonds) could expected to be notified to set redemption appointments.

Activation of the QFS will (allegedly)  abolish the IRS and erase Global debt slavery throughout the World. You can’t owe money to the thieves who have stolen it from you. By January 2026 the Deepstate Cabal Central Banks will collapse, and be replaced by decentralized asset-backed digital currencies of the GCR.

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Judy Note: It is my personal opinion, and I could easily be wrong, that when we hear the EBS go off with the sound of Seven Trumpets, we can soon expect to receive several messages on our cell phones generated from the new Starlink Satellite System. One of those messages should contain information about how to gain a redemption center appointment. Those who don’t have foreign currency to exchange will use their appointment to set themselves up for banking, med bed treatment and voting using personal cell phones linked up to the Starlink Satellite System, while we with currency and bonds will do the same, plus be able to do our exchange.

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Global Financial System:

Sat. 8 Nov. 2025: MASTERING QFS: A COMPLETE GUIDE TO FUND TRANSFERS, ACCOUNT SETUP, AND UNDERSTANDING RV & REDEMPTION FUNDS – amg-news.com – American Media Group

Sun. 9 Nov. 2025: QFS 2025 DECODED: The Gold-Backed, AI-Controlled Financial System That’s Silently Replacing the Old World Order – amg-news.com – American Media Group

Sat. 8 Nov. 2025: BOOM! EXPOSING THE LIE: THEY OWE YOU $495,000 — THE U.S. DEBT CLOCK, HIDDEN WEALTH, AND THE SILENT FINANCIAL COUP! – amg-news.com – American Media Group

Read full post here:  https://dinarchronicles.com/2025/11/10/restored-republic-via-a-gcr-update-as-of-november-10-2025/

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Courtesy of Dinar Guru:  https://www.dinarguru.com/

Frank26   [Iraq boots-on-the-ground report]   FIREFLY:  Sudani didn't say anything yet official but they sure are talking about the rate.  They first talked to us about lifting of the three zeros, now they're talking about the rate itself and the opportunities that we have with this new exchange rate to give us purchasing power.

Frank26   They are using the history of the Kuwait revaluation from the 1990's.  They don't want to repeat a Kuwait syndrome.  They don't want Iraq to make the same mistake and come out like gang busters with a high rate like Kuwait did because it affected Kuwait's inflationary factors, their GDP, their jobs, let alone the confidence that was being established in their new rate and their banks.  Talk about a shock.  The release of their exchange rate was too high and it was undisciplined.  It was not controlled.  It was not managed.  [Iraq's] reinstatement learned from Kuwait's mistakes...

Mnt Goat   ...remember that when I use the term “RV” I am referring to the process. The process is to remove the zeros, watch for inflation and then move to FOREX at the nominal rate reflecting the true dinar rate based on asset evaluation and their economic growth. I feel with where they are right now they should have already gone to FOREX. But they have not because of all the corruption. By taking the time to clean most of it up and then to progress their economy into a diversified  economy, they will be able to support an even higher rate for us...By waiting it only serves us investors too.  

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Latest News from Iraq- Mandatory Silence Before the Election

Edu Matrix:  11-10-2025

Latest News from Iraq- Mandatory Silence Before the Election Iraq is now officially in a mandatory election silence period beginning Saturday ahead of the Nov. 11 parliamentary elections.

The Iraqi Independent High Electoral Commission informed "alliances, parties, and candidates" that the silence period requires a halt to "any activity aimed at promoting a candidate or party to win voter support."

The reason all of this is so important is that Iraq's last parliamentary election in 2021 caused violent clashes in Baghdad and led to nearly a year of political deadlock before a government was formed.

https://www.youtube.com/watch?v=LRYDSKqfjn4

“Tidbits From TNT” Monday 11-10-2025

TNT:

Tishwash:  Iraq is the fifth largest Gulf trading partner after exports to it grew by about 50%

Statistics issued by the Gulf Statistics Center showed that Iraq emerged as one of the most important trading partners of the Gulf Cooperation Council countries in 2024 after the value of Gulf exports to it jumped by 47.9%.

The report, which was reviewed by Shafaq News Agency, indicated that the value of Gulf exports to Iraq rose to $35.5 billion in 2024, compared to $24 billion in 2023, with Iraq replacing the United States of America in fifth place on the list of the most prominent trading partners of the Gulf Cooperation Council.

The Gulf Statistics Center explained that Gulf exports to Iraq included petroleum derivatives, plastics and plastic products, iron and metals, electrical and electronic machinery and equipment, in addition to food and building materials, reflecting the diversity of trade exchange and the broad base of economic cooperation between the two sides.

According to the data, China topped the list of Gulf trading partners, followed by India, Japan and South Korea, with Iraq in fifth place, accounting for 4.2% of total Gulf exports for 2024. link

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Tishwash:  Following the conclusion of the special voting, the Sudanese government stated: "Our national duty compels us to ensure a safe and stable electoral environment."

 Prime Minister Mohammed Shia al-Sudani congratulated the security and military forces on Sunday for exercising their constitutional right and their active and conscious participation in the special voting for the parliamentary elections .

In a statement received by Mail, Al-Sudani said: “Brothers and sisters from our brave security and military forces, we first congratulate you on exercising your constitutional right and your active and conscious participation in the elections, and your choice of your representatives in the upcoming House of Representatives .”

He continued: “At this crucial moment, we affirm that our national duty compels us to ensure a safe and stable electoral environment, and to protect the electoral process from any breach or influence, because the security and stability achieved today is the fruit of your awareness, discipline, and sacrifices, which has made our forces an exemplary model .”

He added: “Let us be worthy of the trust that our people have given us, and let us make election day a day that expresses the awareness of our security personnel and their loyalty to their homeland, and let us make these elections a model to be emulated in discipline, commitment, awareness, and defending the right of citizens to exercise their constitutional entitlement.

May God protect our armed and security forces in all their branches, and may God have mercy on our righteous martyrs, heal our wounded, and protect Iraq and its people from all harm .” link

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Tishwash:  Rubio praises Nechirvan Barzani's efforts to resume oil exports from the region and strengthen the partnership with America.

US Secretary of State Marco Rubio on Sunday praised the efforts of Kurdistan Region President Nechirvan Barzani in reopening Kurdistan's oil export pipelines through Turkey, also appreciating his role in strengthening the partnership between the region and the United States.

A statement from the Kurdistan Region Presidency, received by Shafaq News Agency, stated that Barzani received a letter from the US Secretary of State praising Nechirvan Barzani’s role in reopening the Kurdistan Region’s oil export pipeline through Turkey, appreciating his efforts and endeavors in this regard.

In another part of the letter, he also expressed his continued appreciation for President Barzani’s efforts in facilitating dialogue between Turkey and the Kurdistan Workers’ Party (PKK ), noting his important role in supporting stability and peace in Syria.

Rubio emphasized that the partnership between the United States and the Kurdistan Region is based on solid foundations of stability and progress, and wrote to President Barzani, saying: "Your leadership and constructive partnership, and your sense of responsibility and wisdom, are pillars for promoting peace and cooperation."

In closing his message, Minister Rubio conveyed his greetings and appreciation to President Nechirvan Barzani, praising his continued efforts to strengthen the partnership and mutual understanding between the two sides.

He stressed that expanding economic cooperation between the United States and the Kurdistan Region is in the interest of both sides and strengthens their strategic partnership.  link

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Mot: Monday Morning

Mot: The List - You KNow - ""The List"" 

Seeds of Wisdom RV and Economics Updates Monday Morning 11-10-25

Good Morning Dinar Recaps,

Syria’s Pivot to Washington — Realignment of the Middle East Order

Historic U.S.–Syria engagement marks a profound geopolitical shift.

Overview
Ahmed al‑Sharaa, President of Syria, is scheduled to meet with Donald Trump at the White House on 10 November 2025, representing the first official visit by a Syrian head of state to Washington in Syria’s modern history. This follows the U.S.’s recent move to lift several sanctions on Syria and open the door to reconstruction financing. 

Key Developments

• Ahmed al-Sharaa rose from rebel leader to Syrian president, overthrowing the long-standing regime of Bashar al‐Assad in late 2024. 

• The U.S. revoked the terrorist designation of Hayʾat Tahrir al‑Sham (HTS) in July 2025, facilitating engagement with Damascus. 

• The U.S. Treasury issued a licence authorising transactions with Syria’s interim government, central bank and state-enterprises. 

• The diplomatic agenda includes Syria’s participation in a U.S.-led anti-ISIS coalition, possible U.S. military presence in Syria, and reconstruction investment estimated at over $200 billion. 

Why It Matters
This meeting signals more than bilateral diplomacy — it indicates a structural realignment in the Middle East. By moving away from Syria’s traditional alliances (Iran, Russia) toward U.S. and Gulf-Arab partners, Damascus becomes part of a new economic and security architecture. Access to Western capital and reconstruction funding can propel Syria from isolation into the global financial system.

Implications for the Global Reset

• Pillar: Diplomacy & Peace — Syria’s integration into the U.S./Gulf sphere restructures regional alliances.

• Pillar: Finance — Reconstruction spending and sanctions relief mark Syria’s entry into Western-backed capital flows.

• The shift reinforces the idea that diplomatic normalization now goes hand in hand with economic reintegration, underscoring how geopolitics and global finance are converging.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters, “Syrian leader Sharaa’s path from global jihad to meeting Trump” 12 May 2025. Reuters

• Reuters, “US revokes foreign terrorist designation for Syria’s HTS” 7 July 2025. Reuters

• Reuters, “US issues orders easing Syria sanctions after Trump pledge” 23 May 2025. Reuters

• Reuters, “Russia to take reciprocal measures if US resumes nuclear tests” 6 Nov 2025. Al Jazeera

• AP News, “Trump to host al-Shraa in first‐ever visit by a Syrian president to White House” 1 Nov 2025. AP News

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Japan–China Diplomatic Clash Exposes Fault Lines in Asian Security

Social media outburst reveals the fragility of regional diplomacy.

Overview
On 8 November 2025, Xue Jian, the Chinese Consul-General in Osaka, posted a threatening message on X (formerly Twitter) targeting Japan’s newly elected Prime Minister Sanae Takaichi, prompting a formal protest by the Japanese government. 

Key Developments

• The post read: “We would have no choice but to cut off that dirty neck that has lunged at us without a moment’s hesitation.” The message was deleted shortly after publication. 

• Japan’s Chief Cabinet Secretary publicly decried the comments as “extremely inappropriate” and lodged a strong diplomatic protest with Beijing. 

• The U.S. ambassador to Japan echoed concerns, posting on X: “The mask slips — again.” in response to Xue’s remarks. 

• The incident occurs amid heightened tension over Taiwan and Japan’s evolving security posture, influencing regional stability. 

Why It Matters
This episode illustrates how digital diplomacy can escalate into full-blown geopolitical incidents. It reveals the fragility of Asia’s security architecture at a time when Japan is deepening its alignment with Western defence postures, and China is assertively responding. The spill-over into financial and supply-chain risk is real: investor sentiment, trade flows and regional stability are all vulnerable.

Implications for the Global Reset

• Pillar: Diplomacy & Peace — A breakdown in diplomatic protocol signals rising system risk.

• Pillar: Markets — Escalation risks heighten volatility in Asian equities, bond markets and currency flows.

• The event underscores that in the emerging global reset, geopolitical risk is directly influencing financial and economic structures, not just military balances.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters, “Japan protests ‘extremely inappropriate’ comments by Chinese envoy” 10 Nov 2025. TradingView

• Newsweek, “Chinese diplomat threatens to cut off Japan’s leader head” 10 Nov 2025. Newsweek

• Bloomberg, “Japan’s Takaichi defends Taiwan views after Chinese criticism” 10 Nov 2025. Bloomberg

• Arab News, “Russia wants US clarify nuclear testing intentions after Trump remarks” 7 Nov 2025. Arab News

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Russia Considers Nuclear Testing — Strategic Deterrence Resets

A return to Cold-War nuclear posturing underscores a shifting power order.

Overview
Vladimir Putin has instructed top Russian officials to draw up proposals for potentially resuming full-scale nuclear weapons testing, marking a dramatic reversal from the post-Cold-War status quo. 

Key Developments

• The order comes after U.S. President Donald Trump’s announcement that the U.S. would “immediately” resume testing nuclear weapons on an equal basis with other powers. 

• Russia has not carried out an explosive nuclear weapons test since 1990 (Soviet era). The move, if actualised, would escalate arms race dynamics. 

• Analysts say any renewed testing would trigger global ripple-effects: new missile defence races, scrambling of nuclear posture doctrines and higher sovereign risk premiums. 

Why It Matters
The potential resumption of nuclear tests by major powers signals that strategic arms control is unraveling. That increases the risk premium on government debt, puts pressure on safe-haven assets such as gold, and compels states to reassess the financial architecture underpinning global security. For investors and global institutions, this is not just a defence story—it’s a structural risk to the collateral underpinning the financial system.

Implications for the Global Reset

• Pillar: Metals — Heightened security risk boosts demand for precious metals as a hedge.

• Pillar: Diplomacy & Peace — Arms-control breakdown undermines trust across economic alliances.

• This scenario underlines how geopolitical denials of stability drive finance and currency regimes out of equilibrium, signalling a deeper reset of global architecture.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters, “Putin orders proposals on possible Russian nuclear test” 5 Nov 2025. Reuters

• Reuters, “Russia’s Lavrov says work under way on Putin’s order on possible Russian nuclear test” 8 Nov 2025. Reuters

• Reuters, “Russia urges US to clarify contradictory signals on nuclear testing” 7 Nov 2025. Reuters

• Arab News, “Russia says it wants the US to clarify its nuclear testing intentions” 7 Nov 2025. Arab News

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Follow the Gold/Silver Rate COMEX

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Thank you Dinar Recaps

The World’s Secret Bank that Controls the Money Including the IQD

The World’s Secret Bank that Controls the Money Including the IQD

Edu Matrix:  11-9-2025

Ever wondered who truly pulls the levers in the grand theatre of global finance? While headlines often focus on national economies, stock markets, and government policies, there’s a powerful and largely unseen entity operating at the very apex of the financial world: the Bank for International Settlements (BIS).

Often dubbed the “central bank of central banks,” the BIS is not just another financial institution; it’s the ultimate overseer of global financial stability.

Imagine an exclusive club where the world’s most powerful financial minds gather to shape the future of money. That’s essentially the BIS.

With 63 member central banks under its umbrella, representing a staggering 95% of the world’s GDP, its influence is gargantuan, yet it largely operates behind the scenes. Headquartered in the serene city of Basel, Switzerland, the BIS is a testament to quiet power and strategic coordination.

But what truly sets the BIS apart, and why is it so crucial to understand its role?

One of the most striking aspects of the BIS, and a key to its unique power, is its sovereign immunity.

 This isn’t just a fancy legal term; it means the BIS effectively operates above national laws.

It grants this institution unparalleled discretion to manage, transfer, and influence vast sums of money without the typical legal scrutiny faced by other financial bodies. This extraordinary privilege allows it to function as a truly autonomous entity, making decisions that can ripple across continents with minimal public oversight.

Indeed, the operational context of the BIS is deeply intertwined with global events. The video touches on ongoing geopolitical developments like the Iraqi election and infrastructure investments in Iraq, as well as economic shifts in Venezuela.

These real-world scenarios provide a backdrop for understanding how the BIS’s decisions and influence can play out on the ground, affecting millions of lives and national destinies.

In an increasingly complex and interconnected world, understanding the BIS isn’t just for economists or financial elites. It’s crucial for anyone who wants to grasp the true dynamics of how money, power, and global stability intersect.

The central bank of central banks holds a master key to understanding why our financial world looks and acts the way it does.

To truly appreciate the depth of its power, its operational intricacies, and its profound impact on your financial future, you need to dive deeper.

Watch the full video from Edu Matrix for further insights and information that sheds light on this incredibly powerful, yet often overlooked, global institution. Don’t just follow the headlines; understand the forces that shape them.

https://youtu.be/5ZiffUrJpzs

Get Ready for the Biggest Financial Crisis yet

Get Ready for the Biggest Financial Crisis yet

Liberty and Finance:  11-8-2025

In an economic environment defined by volatility, soaring inflation, and mounting global debt, traditional financial strategies are failing to protect wealth.

In a recent, critical discussion on Liberty and Finance, host Kaiser Johnson spoke with returning guest Phil Low, founder of the Bitter Draft, to dissect the true dangers lurking beneath the market surface and outline a timeless strategy for financial survival.

Low’s analysis spans the source of our current troubles—dishonest banking—to the defensive architecture of the classical “gentleman’s portfolio,” offering vital clarity on how to navigate the inevitable bust.

Most people believe inflation is simply the cost of doing business. Phil Low argues it is far more insidious, stemming directly from dishonest banking practices that create credit bubbles.

According to Low, banks generate an “illusion of real loanable funds” using fake dollars, which are actually nothing more than artificially expanded credit.

This manufactured liquidity is misread by the market as genuine profit or real capital. The resulting credit expansion doesn’t fuel genuine economic growth; it merely fuels inflation, directing capital to unproductive ventures and creating a massive, unstable overhang of debt.

The danger is clear: when the market realizes these dollars are fake, the resulting collapse won’t just be a recession—it will be a violent unwinding of credit that has been mistaken for wealth.

What happens when the credit bubble finally bursts in a hyperinflationary scenario? Many fear total societal collapse marked by extreme violence.

Low addresses this soberly, drawing parallels to the economic chaos and violence seen in the Weimar Republic during the 1920s.

 While he agrees that social and political violence will increase as economic scarcity tightens its grip, he suggests that modern civilization is unlikely to be fully destroyed.

The key to preventing total societal collapse, Low emphasizes, is unleashing free markets. While the printing of money destroys capital, economic freedom allows real industry and productivity to emerge, effectively preventing mass starvation and dissolving the structural pressures that lead to chaos.

His advice for individuals during such a crisis is simple: maintain personal prudence and rely on proven, resilient assets.

In an unpredictable environment, where conventional wisdom (like the 60/40 stock-bond portfolio) is failing, Low advocates for a return to the classical “Gentleman’s Portfolio.” This strategy is built on diversification across three fundamental pillars of wealth, designed specifically to weather economic collapse and hyperinflation:

Precious metals serve as real money, offering unique liquidity and intrinsic value not tied to any government or banking system.

 Low stresses that gold and silver are essential tools for maintaining purchasing power and facilitating transactions during periods of monetary chaos.

Productive land offers stability, income potential, and the ability to sustain life regardless of the financial system’s health. This asset is the ultimate hedge against both currency devaluation and food scarcity.

While stocks and bonds represent exposure to the financial markets, they are critical because they represent real business investments. Even after a major crash, businesses that produce essential goods and services will continue to operate, offering a route back to wealth accumulation once stability returns.

This triple-diversified approach is crucial not just for balancing risk, but for mitigating the potential for theft, loss, or government confiscation—a very real threat during times of systemic distress.

Low’s advice is straightforward: look closely at the conditions of credit and scrutinize profitability. If a venture only appears rational because of unlimited, cheap credit, it is a bubble waiting to pop.

Ultimately, the best defense is preparedness founded on honesty. Phil Low champions a return to honest banking as the only true way to prevent future bubbles and crashes.

In the meantime, the responsibility falls to the individual to secure their capital. Low advises storing wealth in real money—gold and silver—to ensure protection from the inevitable burst.

https://youtu.be/lqbioEOacoY

Seeds of Wisdom RV and Economics Updates Sunday Afternoon 11-9-25

Good Afternoon Dinar Recaps,

FINANCE & GLOBAL RESET — “BRICS Pay: The Quiet Engine of De-Dollarisation”
How a new payment platform is reshaping international settlement and undermining dollar dominance

Key Developments

• The BRICS nations (Brazil, Russia, India, China, South Africa) are developing “BRICS Pay”, a cross-border digital payments/settlement platform designed to enable trade in local currencies and reduce reliance on the U.S. dollar and the SWIFT network. 

• The foundational architecture draws on member-states’ national systems — e.g., India’s UPI, China’s CIPS, Russia’s SPFS, Brazil’s Pix — aiming for interoperability under the BRICS umbrella. 

• The 2024 summit in Kazan demonstrated a working prototype in Moscow (October 2024) and committed to greater use of local currencies in intra-BRICS trade. 

• However, multiple sources note significant technical, coordination and political hurdles: differing currency convertibility, divergent member-objectives, and integration challenges remain. 

Analysis — Why This Could Trigger a Global Financial Reset

The emergence of BRICS Pay is more than just a payments innovation: it represents a structural shift in global financial architecture. Key implications:

• Undermining the dollar’s settlement role: By enabling cross-border trade in local currencies and bypassing U.S.-dominated rails (SWIFT, dollar-clearing systems), BRICS Pay threatens one of the core pillars of U.S. financial hegemony (i.e., dollar dominance).

• Multipolar settlement networks: Rather than one global system anchored on the West, what’s forming is a parallel network of payment and messaging systems (national + interoperable) across major emerging economies. This diversification erodes single-point dominance.

• New reserve/currency dynamics: While BRICS is not yet issuing a unified currency, the shift toward local-currency settlement and reduced dollar reliance is laying the groundwork for alternate reserve/settlement regimes. 

• Resilience to sanctions and financial coercion: One reason cited for this move is the weaponisation of USD/Western-controlled systems via sanctions. A separate BRICS payment architecture reduces vulnerability to such tools. 

Together, these shift-points indicate we are entering a phase of structural reset in global finance — not merely a cyclical adjustment but an architectural redesign of how money, settlement, and cross-border trade operate.

Why It Matters

• For reserve-currency investors, the familiar calculus (invest in dollar-assets because of global demand for dollars) may face disruption. A move toward non-dollar rails raises dislocation risk.

• Countries reliant on dollar-settlements for trade or reserves face increasing competition from networks that bypass them — geopolitical as well as economic exposure must be re-assessed.

• Private-sector finance (banks, payment providers) will need to track emerging rails — BRICS-native and otherwise — to avoid being locked out of future corridors.

• The shift may accelerate fragmentation of the global financial system: instead of one dominant settlement layer, multiple overlapping networks emerge, and this increases complexity, counterparty risk, and need for new governance/standards.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• “BRICS Pay Leads Global De-Dollarization Push Across Nations”, Watcher.Guru (Nov 9 2025) —  Watcher Guru

• “BRICS making progress on payment system”  — GIS Reports

• “BRICS Pay and the Push to De-dollarize Global Finance” —  CivilsDaily

• “How Would a New BRICS Currency Affect the US Dollar?” — Investing News Network (INN)

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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Follow the Gold/Silver Rate COMEX

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“Tidbits From TNT” Sunday 11-9-2025

TNT:

Tishwash:  Al-Saabri: The next parliament is required to legislate the oil and gas law.

MP Hussein al-Saabri affirmed on Saturday that the upcoming parliament is required to overcome all political differences and proceed with enacting the oil and gas law, as it is one of the most prominent pieces of legislation postponed from previous sessions.  

Al-Saabri told the Information Agency that “engaging the law will establish a clear legal framework for managing oil and gas resources and guarantee the rights of all parties, thus enhancing fairness in revenue distribution and reducing ongoing disputes.”  
He added that "postponing the law over the past years has negatively impacted the national economy and led to continued disagreements regarding oil management and export," explaining that "the next phase requires genuine political will to resolve this vital issue, which is directly linked to the state budget and its economic stability."  link

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Tishwash:  Iraq avoids budget deficit thanks to one factor... Expert reveals the secret

Economic expert, Salah Nouri, revealed that the Financial Management Law No. 6 of 2019 served as a safety valve that saved Iraq from entering a state of financial deficit by addressing cases of delay in approving the federal general budget law or its failure to be approved on the specified dates.

Nouri told Al-Furat News Agency that: “The Financial Management Law has addressed several cases related to the approval of the federal general budget law,” noting that “Article 13 stipulated clear procedures to ensure the continuity of spending even if the budget is delayed beyond December 31 of the year preceding the year in which it was prepared.”

He explained that "the aforementioned article authorized the Minister of Finance to issue an official circular based on specific criteria, whereby it permits spending at a rate of {1/12} or less of the total actual expenditures for current expenses for the previous fiscal year, after excluding non-recurring expenses, to ensure the continuity of employee salaries and the operation of government facilities without interruption."

Nouri added that "the same article allowed for spending from the total annual allocation for ongoing investment projects whose allocations were included during the previous and subsequent fiscal years, according to the actual completion rates or completed stages of preparation, with the aim of preventing the suspension of projects under implementation."

The economist explained that “the third paragraph of the article accurately addressed the situation of the budget not being approved at all, as it stipulated that the final financial data of the previous year be adopted as the basis for the financial data of the new year, provided that this data is submitted to the House of Representatives for the purpose of approval, which ensures the continuation of the state’s financial activity in a legal and organized manner.”

Nouri stressed that “this article, with its three paragraphs, represented a comprehensive solution to the situation of delaying or not approving the budget at the end of the fiscal year,” explaining that “thanks to it, Iraq avoided falling into financial paralysis, especially since the House of Representatives had previously approved a budget for three years {2023 – 2024 – 2025}, which strengthened financial stability and contributed to regulating government spending within specific and clear ceilings.”   link

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LouandDebNC: Indonesia plans Bill to redenominate rupiah, potentially slashing zeros from currency

CNA

JAKARTA: Indonesia's finance ministry said it is planning a new Bill to redenominate the rupiah in an effort to improve economic efficiency, maintain stability and improve the currency’s credibility.

"The Bill on redenomination is a carryover draft Bill that is planned to be finalised in 2027," a ministry regulation reviewed on Saturday showed.

The plan to slash zeros from the currency has been discussed in past years.

The last time the government submitted a draft to Parliament was in 2013. It proposed slashing three zeros of the rupiah banknote, but the draft was shelved. 

It was not immediately clear how many digits would be removed under the latest redenomination plan, though state news agency Antara reported on Saturday (Nov 8) that the Bill proposes removing three zeros from rupiah denominations.

Local news outlet Jakarta Globe reported that the latest measure appeared in Finance Ministry Regulation (PMK) No 70/2025 on the ministry’s 2025–2029 strategic plan, issued on Oct 10 and enacted on Nov 3.

Currently, rupiah banknotes range from 1,000 to 100,000 in denominations. A 100,000 rupiah note is equivalent to US$6. 

Redenomination would remove the number of digits on currency without altering purchasing power or the exchange rate. 

In 2023, Bank Indonesia said it was ready to implement redenomination, but had not yet found the right timing. 

Jakarta Globe reported that policymakers cited three main considerations then: Domestic and global macroeconomic conditions, monetary and financial system stability, and social-political dynamics. 

On the last point, the central bank reportedly emphasised that redenomination is not devaluation, but the public could still be cautious given past experiences with inflation and currency crises.

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Mot:  Every Where -- siigghhhh -- They Is Simply Everywheres 

Mot:  Hes just a ""Shopping"" After da ""RV"" 

https://www.youtube.com/watch?v=mhO7wSAoQCI

News, Rumors and Opinions Sunday 11-9-2025

Ariel : Trump Confirms Rollout of 50 Year Mortgage

Stop Reading News In A Vaccum: Remove Your Tunnel Vision

Dominic Michael Tripi:  NEW: Trump administration confirms the planned rollout of 50 year mortgage according to Director of the Federal Housing Finance Agency Bill Pulte.

This mirrors Trump’s directive to normalize extended terms, slashing monthly burdens by spreading principal over generations. A direct assault on the affordability chokehold that locked millennials and Gen Z out of ownership for decades.

What Is The Standard Rate People Pay Today?

Standard 30-year fixed at 6.5% on $400,000 loan: ~$2,528 monthly (principal + interest) right?

What Would Be The Result If The 50 Year Became Standard?

50-year extension at projected 5.5-6% (post-tax cut/Fed alignment): This will drop to around ~$1,900-2,100 monthly – instant $400-600 relief per household.

But That Is Not All We Should Factor In

-Gas Will Come Down
-Gold Standard Will Return (No Inflation)
-Purchasing Power Will Increase
-Robots & AI Will Bring Down Cost
-Property Taxes Will Be Removed Over Months & Years

Do you know how much money you will be saving off of these things you do not have to work for?

People we are not transitioning to a more expensive economy. I didn’t even mention the money that will be coming from Tariffs into your account.

We have to stop reading headlines as if we are being attacked. You seen the results of what this type of thinking does to people who are not thinking beyond their nose when they were fooled into thinking they had no alternative to challenge mandates promoted by main stream media.

Source(s):   https://x.com/Prolotario1/status/1987248086390087963

https://dinarchronicles.com/2025/11/08/ariel-prolotario1-trump-confirms-rollout-of-50-year-mortgage/

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Courtesy of Dinar Guru:  https://www.dinarguru.com/

Frank26   [Iraq boots-on-the-ground report]  FIREFLY: Iraqi television Shafaq news started showing the possible new lower denomination dinar notes to the public.  This is being seen as a big step towards changing the exchange rate for the Iraqi dinar.  The new notes they tell us have upgraded security features that we have never seen before and are a signal of Iraq's financial reforms moving forward.  The show is that these notes are real and ready and they're doing that just ahead of a potential exchange rate change...We're not seeing it on Baghdad Channel 1 or any other outlet here.  Kind of confusing.  [Post 1 of 2....stay tuned]

Frank26   [Iraq boots-on-the-ground report]   FIREFLY:  They're showing us pictures but we're not sure if these are the real lower notes.  But they're telling us these are the real and these notes are ready.  FRANK:  Wow!  It's time to launch the rocket of the monetary reform into the stratosphere.  These are what we...call samples but in reality they're more an example...They are pictures of real lower notes, yes, to prepare you for your real lower notes that they're about to give you.  They're about to put the real lower notes in your hands very soon...Do you realize how close you are?!!! ...Oh my goodness I'm jumping for joy! ...This is it.  There's no turning back now, now that they have shown you the sample/specimens.[Post 2 of 2]

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$2 TRILLION DEBT BOMB EXPLODES—Wall Street's PANICKING and YOU Will Too!

Steven Van Metre: 11-8-2025

The next financial meltdown is exploding right now in the trillion-dollar shadows of private credit in what is the first domino in a chain reaction that could wipe out jobs, crash markets, and plunge us right into a financial crisis.

https://www.youtube.com/watch?v=G6R9s58--xw

Seeds of Wisdom RV and Economics Updates Sunday Morning 11-9-25

Good Morning Dinar Recaps,

“THE GREAT DEVELOPMENT FINANCE RETREAT: PRIVATE CAPITAL STEPS IN”

How falling government aid budgets are accelerating a new financial architecture

Key Developments

• OECD nations are slashing Official Development Assistance (ODA) by 9% in 2024, with projections of up to 17% declines in 2025.

• Western governments cite domestic fiscal strain, security costs, and shifting priorities.

• Emerging economies now turn to non-traditional lenders, including China’s Belt & Road channels, Gulf sovereign funds, and private equity consortiums.

Analysis — The Quiet Restructuring of Global Finance

The withdrawal of traditional Western development finance marks a turning point in the global lending order.
For decades, institutions such as the World Bank and OECD donors provided the backbone of infrastructure and poverty reduction programs. As this funding retracts, private finance and bilateral arrangements are rapidly replacing multilateral aid.

This reallocation creates an emerging parallel finance ecosystem:

• Debt-for-asset swaps, especially involving critical infrastructure.

• Commodity-backed lending, reviving patterns last seen in pre-dollar global trade.

• Hybrid finance models where ESG or development outcomes are tied to investor returns.

Such changes could gradually dilute the IMF–World Bank monopoly over global development capital — one of the five pillars underpinning the post-Bretton Woods system.

Why It Matters

The pivot from public to private funding deepens financial polarization:
wealthy nations internalize resources, while capital-seeking economies look elsewhere — often to BRICS-linked or regional solutions.
If sustained, this pattern leads to multi-polar capital formation — a precursor to a broader global financial reset.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Atlantic Council — Without Development Finance, the U.S. Can’t Deliver on Strategic Investment

• OECD Data Portal — Development Finance Trends

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“SUPPLY CHAINS AS WEAPONS: THE NEW DIPLOMACY OF DEPENDENCE”

Why global trade interdependence is becoming the new battleground of peace and power

Key Developments

• China’s shifting demand is reshaping global commodity flows, with soybean and wheat markets seeing price declines as Beijing diversifies suppliers.

• Gulf states, notably Qatar, navigate a volatile geopolitical environment as energy diplomacy collides with Western sanctions and regional realignments.

• Supply-chain dependence and security are replacing ideology as tools of diplomacy.

Analysis — Trade Becomes Strategy

In the post-COVID, post-Ukraine landscape, economic interdependence is weaponized.
Beijing’s strategic commodity management, Washington’s sanctions diplomacy, and Gulf states’ balancing acts all point to a world where diplomacy is executed through supply contracts rather than summits.

The structural impact:

• Regional blocs (ASEAN+, BRICS+, GCC) consolidate to preserve trade autonomy.

• Countries seek dual-track supply chains — one for the U.S./EU sphere, another for BRICS/Eurasia.

• Trade data increasingly mirrors security alliances, not comparative advantage.

This transformation signals the erosion of the globalized “single-market” model, one of the central assumptions of the old world financial order.

Why It Matters

As economic blocs decouple, capital flows, logistics insurance, and currency settlements are all impacted.
A new diplomacy based on resource control and production security replaces the free-trade consensus.
This creates the foundation for regionalized finance and independent settlement systems — a building block in the architecture of the coming financial reset.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters — Qatar in the Firing Line Again as It Balances Diplomatic and Business Ambitions

• MarketMinute — Agricultural Markets Brace for Impact as Soybean and Wheat Prices Tumble Amidst China’s Shifting Demand

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“ASIA’S REBALANCING ACT: JAPAN’S NEW INDUSTRIAL STRATEGY AND THE END OF WESTERN MARKET MONOPOLY”

Tokyo’s pivot under new leadership signals a redistribution of global capital flow

Key Developments

• Japan’s new Prime Minister Taro Takaichi unveils a national industrial investment plan focused on semiconductors, AI, and green manufacturing.

• Improved U.S.–China trade sentiment removes friction for triangular trade opportunities across Asia-Pacific.

• Regional private equity funds and sovereign wealth investors are accelerating investment in Japanese and ASEAN assets.

Analysis — The Next Capital Center of Gravity

The U.S. market’s dominance in global equities and finance may face its first major structural challenger in decades.
Japan’s stable governance, combined with access to both Western and Chinese markets, offers investors a “bridge economy” during geopolitical fragmentation.

Key dynamics to watch:

• Yen-denominated capital instruments attract renewed interest as hedges against dollar volatility.

• Asian venture capital and sovereign funds rise as alternative liquidity hubs.

• Western funds seek co-investment partnerships to maintain exposure without political entanglement.

If sustained, these flows could mark the decentralization of capital pricing power — another pillar of the global reset taking shape through markets rather than policy statements.

Why It Matters

Capital no longer moves solely through New York or London.
As Tokyo and Singapore become new liquidity engines, the valuation logic of the global economy shifts.
This multipolar market ecosystem decentralizes both price discovery and financial influence — key precursors to a post-dollar capital order.

This is not just politics — it’s global finance restructuring before our eyes.

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• The Diplomat — Japanese Markets Look Poised to Prosper with New Government and China–U.S. Trade Truce

• Nikkei Asia — Japan’s Investment Pivot in Technology and Manufacturing

~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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Follow the Gold/Silver Rate COMEX

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Thank you Dinar Recaps

4 Tips To Handle Your Finances in an Uncertain Economy

4 Tips To Handle Your Finances in an Uncertain Economy, According to Money Expert Michela Allocca

Chris Ozarowski  Wed, October 9, 2024  GOBankingRates

Michela Allocca is a personal finance creator who shares tips for managing money through her social media pages.  In a recent post on her Instagram @breakyourbudget, she offered viewers four tips to help them handle their finances and prepare for an uncertain economy or even a recession.

Why Recession Prep?

So why prepare for a recession? According to Allocca, in recent years there has been a noticeable rise in financial anxiety among people across the U.S. This isn’t necessarily confined to any particular age group, income bracket or industry — concerns are universal. Record inflation has impacted essential expenses like rent, groceries, gas, insurance and home prices.

Recently, an economic indicator known as the Sahm Rule was triggered, signaling that the country may be on the verge of a recession. The Sahm Rule is used to detect the start of a recession quickly. Developed by economist Claudia Sahm, it focuses on changes in the unemployment rate.

The rule states that if the three-month average of the national unemployment rate rises by 0.5 percentage points or more above its lowest point in the previous 12 months, it signals the beginning of a recession. A recession could mean more layoffs and a tougher and more competitive job market, so preparing as much as you can can be a good idea.

Michela Allocca’s 4 Tips for Recession Prep

1. Take a Financial Snapshot

Allocca suggests starting by getting a firm understanding of your current financial situation. “Review your accounts and get clear on how much you have and where,” she said.

Start by listing all your bank accounts, investment accounts, retirement funds and other assets. Then list all of your debts, such as credit cards, student loans or mortgages. This gives you your net worth — the difference between your assets and liabilities.

Next, assess your cash flow — the amount of money coming in and going out of your accounts each month. List all sources of income, including your salary and any freelance work or side gigs. Then, compare that to your expenses by reviewing bank statements and receipts. You should categorize your spending into essentials like housing, utilities and groceries, and non-essentials like entertainment and dining out.

By auditing your outflow, you can identify areas where you might be overspending. If you find places where you are spending more than you need to, you can cut back and put that money aside for a rainy day.

2. Audit Your Cash Position

Allocca explains that it’s important to decide where you keep your money, especially when the economic situation is more uncertain. She describes this as auditing your cash position. Allocca lists two options for where to keep cash.

One option is a high-yield savings account. Allocca says that this is “a great place for your emergency fund or any other short-term cash savings.” An emergency fund should be one of your top priorities — you’ll need it if you lose your job or have unexpected expenses.

By keeping your emergency fund in a high-yield savings account, you make sure that your savings keep pace with inflation to some extent and that your money remains easily accessible when needed.

Another option is a certificate of deposit. A CD is a savings product where you deposit money for a fixed period in exchange for a guaranteed interest rate. According to Allocca, a CD “is an option if you have additional cash that you know with 100% certainty you will not need for the defined period you select.” CDs typically offer higher interest rates than regular savings accounts, but your money is locked in until the maturity date.

TO READ MORE:  https://www.yahoo.com/finance/news/4-tips-handle-finances-uncertain-140210755.html