Seeds of Wisdom RV and Economic Updates Thursday Afternoon 9-11-25

Good Afternoon Dinar Recaps,

Trump Can’t Stop This: BRICS Buys 60,000 Ounces of Gold To Hammer USD

China’s 10-month gold-buying streak signals BRICS strategy to weaken dollar dominance

China Extends Gold Accumulation Streak
BRICS member China purchased 60,000 ounces of gold in August—worth roughly $215 million—marking its tenth consecutive month of accumulation. The People’s Bank of China (PBOC) now holds 74.02 million ounces, raising the value of its gold reserves to $253.84 billion, or 7.64% of total foreign exchange reserves, according to official data.

The strategy is clear: diversify away from U.S. dollar–denominated assets like Treasuries and bonds, and shore up reserves with tangible, non-sovereign assets.

BRICS Turns to Gold as Hedge Against USD
China isn’t alone. Other BRICS nations—India, Brazil, Russia, and South Africa—are also building gold reserves. Allianz chief economic advisor Mohamed El-Erian called the trend “part of a broader risk diversification strategy,” reflecting central banks’ preference for gold amid geopolitical strains.

Data from the International Monetary Fund (IMF) shows BRICS central banks have increased gold purchases fivefold since Russia’s invasion of Ukraine. This collective strategy highlights the bloc’s intention to reduce reliance on the U.S. dollar in reserves and international settlements.

Market Impact: Gold Surges to $3,650
The gold-buying spree has fueled a rally in precious metals markets. The XAU/USD index hit $3,650 on Wednesday, jumping nearly 25 points in a single session. As BRICS trims its U.S. dollar debt exposure, speculation grows that the bloc could back its future common currency with gold to directly challenge the dollar’s global reserve status.

Why This Matters
Even amid President Trump’s renewed tariff push and “America First” policies, BRICS is taking a parallel path—using gold to erode dollar dominance. If the bloc continues its accumulation trend and experiments with gold-backed settlement systems, the dollar’s central role in global finance could face its most serious test in decades.

@ Newshounds News™
Source: Watcher Guru

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7 of the Top Financial Conflicts Couples Face (and How To Overcome Them)

7 of the Top Financial Conflicts Couples Face (and How To Overcome Them)

January 11, 2025

Money matters are a significant source of stress in relationships. According to a 2024 Fidelity study, 45% of partners argue about money at least occasionally, and 27% admit to being frustrated by their partner’s money habits.

Understanding and addressing money conflicts is essential for maintaining a healthy and harmonious partnership. Here are some of the top financial conflicts couples face and effective strategies to overcome them.

Different Spending Habits

One partner may thrive on the excitement of spontaneous purchases and enjoy spending freely, while the other prefers saving and meticulously managing the budget. This difference can quickly lead to frustration and resentment.

In order to overcome this, foster open communication about financial behaviors, ensuring each partner understands the other’s perspectives without judgment. According to MyWellbeing, establishing common financial goals, such as saving for a vacation or purchasing a house, can align spending priorities.

Additionally, try to create a balanced budget that allocates funds for both saving and discretionary spending to satisfy both partners’ needs.

Saving vs. Spending Priorities

Couples often clash over financial priorities, with one partner emphasizing the importance of saving for the future and the other preferring to enjoy the present moment. This fundamental difference can create tension and disagreements about money management, leading to frustration and misunderstanding.

To address this, try allocating a portion of the income to savings and another portion for spending on shared interests and activities. Additionally, commit to regular check-ins to reassess and adjust financial priorities as needed, ensuring both partners remain aligned.

To have a productive conversation, Desert Financial Credit Union recommends creating a safe and comfortable environment, having a set cadence, and practicing active listening and empathy.

Debt and Financial Obligations

TO READ MORE:  https://www.gobankingrates.com/saving-money/relationships/top-financial-conflicts-couples-face-how-overcome/

The Dollar’s 99% Collapse vs. Gold

The Dollar’s 99% Collapse vs. Gold

Wealthion:   9-10-2025

Gold has long been revered as a safe haven, but in 2025, it’s not just holding its own – it’s absolutely soaring. Breaking records and experiencing its best run since the pivotal year of 1979, the precious metal is signaling a critical shift in how investors are protecting their wealth.

This isn’t just a fleeting trend; it’s a direct response to some of the most pressing economic challenges of our time.

In the face of such formidable headwinds, investors are flocking to gold as a tangible, immutable asset – a beacon of stability in turbulent times.

In a recent, must-watch conversation from Wealthion’s Gold Interview Series this month, Brett Rentmeester, Founder and Managing Director at Windrock Wealth Management, joined host Maggie Lake to delve into this very phenomenon.

Rentmeester eloquently explained why gold consistently remains the ultimate store of value and a vital cornerstone of wealth protection.

This isn’t just about market speculation; it’s about understanding the fundamental forces reshaping our financial future and positioning yourself to navigate them successfully.

The current surge in gold prices isn’t just a headline – it’s a powerful message from the markets. Whether you’re a seasoned investor or just beginning to consider wealth preservation strategies, understanding the dynamics at play is paramount.

Watch the full video from Wealthion to gain further insights and information from Brett Rentmeester. Equip yourself with the knowledge to protect your wealth in an era of unprecedented economic shifts.

https://youtu.be/2yoTCO4dAnE

News, Rumors and Opinions Thursday 9-11-2025

Silver Explosion Destroys Babylon’s Financial System

Greg Hunter with Bo Polny:

By Greg Hunter 9-11-2025

At the beginning of this year on USAWatchdog, Biblical cycle timing expert, geopolitical and financial analyst Bo Polny said, “Get ready for a wild ride in 2025 and beyond.” The world is going mad.  

Polny has a new warning that September 2025 is going to bring a huge market event that will end the financial system as we know it. 

Polny explains, “Silver, this time around, is not just going to go through $50 per ounce, it’s going to go through it like a hot knife through butter.  It’s going to go to $60 then $70, and then it’s going to three digits very shortly.

 What is about to happen are incredible price moves.  This is the end of the Babylonian financial system. . .. They used the money to build Babylon. 

\What is Babylon?  It’s a control system. . .. We are about to see an explosion that is going to blow people’s minds on what is about to happen.  Silver is going to go to numbers unthinkable.  Silver has been prophesized to be the metal, the thing that is going to change people’s financial position forever.”

Polny also predicts, “The war cycle ends on September 21.  The wars are about to come to an end.  I don’t care if people are saying wars come next year and that there is going to be a nuclear conflict. 

They are all going to be 1,000% wrong because the Biblical cycle ends at the end of September and beginning of October. The September date is in my book.  You can’t stop what is coming.  You can only prepare for what is coming. 

 When this move in gold and silver happens, they will finally break free of generations of price manipulation and suppression.  This will be the destruction of the banking cartel.”

There is much more in the 93-minute in-depth interview.

https://usawatchdog.com/silver-explosion-kills-babylon-financial-system-bo-polny/

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

Jeff  The news is becoming so real that its is so blatantly obvious that the rate is probably changing in the second half of September...You're seeing the most critical information in this you ever have.

Frank26  The dinar is backed by gold...and so many other things.  It's ridiculous the value.  The fact that we [Frank and Firefly] are talking about the float tells me the monetary reform has done a good job about educating the Iraqi citizens on all the steps that are required for the reform to come out to them, to release the new exchange rate.  That's exactly where we find ourselves right now, waiting for the new exchange rate for everything to make sense.

Militia Man  Now that they're able to do contracts with e-signatures and they are able to trade with the dinar globally that will draw in the money...faster and faster.  I think that's what [they're] telling us is taking place because of a new mechanism.  So bring in your cash into the bank, you'll be able to do digital transactions for commercial trade internationally in dinar.  That's what I believe [they're] saying.  That's my theory.

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Bond Market Cracks: Your Money at Risk!

Lynette Zang:  9-10-2025

Bond yields are surging, confidence is collapsing, and history is repeating itself. Just like 1971, political pressure and central bank manipulation are pushing us toward hyperinflation.

 Gold is breaking records, silver is racing higher, and the system is cracking. How have you prepared for the reset?

Chapters:

 00:00 – Bond Yields Surge; Gold & Silver Spike

00:32 – Why Rising Rates Crush Bond Prices (and ZIRP Debt Is Underwater)

01:28 – Bank Run Risk: Underwater Bonds Force Real Losses

02:17 – Governments Shift to Short-Term Debt

03:02 – Confidence Erodes: Are Government Bonds Really “Safe”?

03:58 – Downgrades, FDIC Shortfall, and Bail-In Talk

04:58 – A “Reshaped Fed,” Politics, and the Inflation Playbook

 07:06 – Rate Cuts Next? The Hyperinflation Trigger Signal

 07:53 – The System Has Changed: Build a Sound-Money Lifeboat

 09:30 – Gold at Highs, Silver Chasing 50: Final Warning

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

MilitiaMan and Crew: IQD News Update-Iraq Freedom-At Stake-In Process-100%

MilitiaMan and Crew:  IQD News Update-Iraq Freedom-At Stake-In Process-100%

9-11-2025

The Crew:  Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man

Follow MM on X == https://x.com/Slashn

Be sure to listen to full video for all the news……..

https://www.youtube.com/watch?v=WNK0nf7FXo4

Iraq Economic News and Points To Ponder Thursday Morning 9-11-25

$500 Billion Awaits Return: Iraq Faces A Golden Window To Recover Its Smuggled Funds.
  
September 10, 2025  Baghdad / Iraq Observer    At a time when the Iraqi economy is under increasing pressure due to   corruption,   waste, and   mismanagement, the  recovery of smuggled assets stands out as one of the most important legal avenues that can restore a portion of Iraq's plundered wealth and  contribute to alleviating the state's financial burdens.

While the value of these funds is estimated at approximately $500 billion,
    legal opinions and
    judicial sources
        confirm that the
            path to their recovery is
                "legally feasible" and
                requires political will and concerted efforts
                    at both the
                        local and
                        international levels.
 
In this context, legal researcher Ali Al-Tamimi said in an exclusive interview with Iraq Observer,
 
"There are international agreements in force that allow Iraq to claim these funds," adding,
 
"The most prominent of these is the 2005 United Nations Convention against Money Laundering, 
    which Iraq ratified under Law No. 35 of 2007."  Al-Tamimi explains that
 
Legal materials supporting Iraqi rights 
 
"Articles 55 and 56 of the international agreement
    establish a legal framework
        for the recovery of stolen assets located abroad," noting that
 
this agreement has been adopted by many countries that have already succeeded in recovering their assets, such as Nigeria, the Philippines, Algeria, and Egypt.
 
This leaves the way "legally open" for Iraq to recover whatever stolen assets can be recovered.
 
Al-Tamimi pointed out that
    Iraq has a legal right to claim the
        massive sums deposited in the US Federal Reserve belonging to the former regime,
            estimated at $65 billion. He explained that
 
Article 28 of the 2008 Iraqi-US Strategic Agreement
    authorizes Iraq to
        request economic assistance from Washington,
        including cooperation in asset recovery cases.

Potential International Support: From ISIS to Guardianship 
 
Al-Tamimi touched on an important international aspect, emphasizing that
    Article 50 of the UN Charter allows countries that have fought groups classified under Chapter VII
        (such as ISIS)
        to request economic assistance from the UN Security Council.  He noted that
 
UN Resolution 2170, issued in 2014,
    places ISIS under this classification,
        giving Iraq the legal legitimacy to request international financial support in this context.
 
In a significant warning, Al-Tamimi noted that the
    continuation of the
        political,
        security, and
        economic crises in Iraq
            could force the country back into Chapter VII of the UN Charter, meaning
                it would be subject to partial international guardianship.
 
This is a situation from which it had previously exited
    following the settlement of financial dues to Kuwait,
        which amounted to $4.5 billion.
 
Legal amendments are required 
 
Earlier, Integrity Commission Chairman Mohammed Ali al-Lami
    stressed the
        need to recover Iraq's looted funds.
 
The Federal Integrity Commission stated in a statement that
 
“the Chairman of the Board of Directors of the Iraq Asset Recovery Fund, Mohammed Ali Al-Lami,
    held a meeting of the Board of Directors of the Iraq Asset Recovery Fund,
        during which several topics on the agenda were discussed, including a
            review of the files presented to the Fund, and the
            importance of
                diligent follow-up and
                investigation of this information.” He pointed out that
 
“the Iraq Asset Recovery Fund Law No. (9 of 2012), as amended,
    requires some important amendments that the legislative authority should take the initiative to legislate.” 

According to the statement,  Al-Lami stressed the
 
"need to exert maximum efforts to recover Iraqi funds looted during the era of the former regime,
    in accordance with the current Iraqi Fund Recovery Fund Law,"
 
urging that "the information received by the fund be given due importance."  Al-Lami pointed out that
 
"the task of recovering Iraq's assets
    is a national responsibility that
        requires the combined efforts of all Iraqis
            to participate in, and
            to support the relevant authorities
                by providing information that helps uncover the
                    amount of these funds and
                    their locations." He explained that
 
"the Ministry of Foreign Affairs'
    acceleration of its procedures in sending the files within the legal deadlines to the relevant authorities
        contributes to
            accelerating the completion of the files and
            culminating in the efforts to recover Iraq's assets."
 
Despite the importance of this issue,
    observers believe that the most important step remains the
        activation of international diplomatic tools and
        official legal action by the Iraqi government
            to form specialized teams
                in cooperation with the
                    United Nations and the
                    countries where the smuggled funds are located.
 
While the legal aspects
    demonstrate that the recovery of smuggled funds is possible and
    supported by valid and proven agreements from other countries,
        political will and
        effective management
            remain the key to
                success or
                failure
                    in this matter.    
  
https://observeriraq.net/500-مليار-دولار-بانتظار-العودة-العراق-أم/ 

 For current and reliable Iraqi news please visit:  https://www.bondladyscorner.com

Seeds of Wisdom RV and Economic Updates Thursday Morning 9-11-25

Good Morning Dinar Recaps,

GOP Crypto Bill Faces Setback as Senator Warns “We’re Not Ready”

Internal GOP rift threatens timeline for sweeping U.S. digital asset legislation

Kennedy Pushback Threatens Scott’s September Deadline
Senate Republicans are facing fresh divisions over digital asset legislation, as Sen. John Kennedy (R-La.) signaled Wednesday that the Banking Committee is “not ready” to advance a landmark cryptocurrency market structure bill this month.

Kennedy’s remarks directly challenge Chairman Tim Scott’s pledge to mark up the bill before September 30. “People that I talk to still have a lot of questions. I know I still have a lot of questions,” Kennedy told reporters.

The legislation would divide oversight of digital assets between the Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC). Kennedy warned that the framework risks giving the crypto industry too much influence over the process.

Scott’s Efforts to Build Momentum
Scott’s office has defended the push, noting that Republicans have reviewed thousands of pages of stakeholder feedback and consulted with more than 160 industry participants since June.

“The House has already acted, and the Senate should not fall behind,” said Jeff Naft, Scott’s spokesperson, referencing the House-passed CLARITY Act in July.

Meanwhile, Republicans earlier introduced the GENIUS Act, which established rules for U.S. dollar-pegged stablecoins. Kennedy, however, dismissed that effort as a “baby step” compared to the broader overhaul now under debate.

Crypto Industry Pushes for Action
Industry leaders have lined up behind Scott’s September deadline. Coinbase CEO Brian Armstrong described it as “a clear path forward,” while Andreessen Horowitz’s Colin McCune called comprehensive regulation “sorely needed for years.”

The sector has poured hundreds of millions of dollars into Washington lobbying to secure long-awaited clarity.

Democratic Skepticism Grows
Doubts about the bill are not limited to Republicans. Sen. Andy Kim (D-N.J.) argued that pushing the bill forward this month would be “a mistake,” while other Democrats have urged Republicans to slow the process.

In early September, twelve Democratic senators unveiled their own framework, marking the party’s first coordinated position on crypto regulation this year. Their plan emphasized:

• Stronger disclosure requirements

• Mandatory registration of platforms with FinCEN

• Expanded SEC and CFTC oversight

• Restrictions on lawmakers profiting from digital assets

Momentum for CLARITY Act Fades
Expectations for swift passage are fading. Prediction platform Polymarket now gives the CLARITY Act just a 32% chance of becoming law in 2025—down from nearly 90% in July.

Sen. Cynthia Lummis (R-Wyo.), a key supporter, had earlier expressed optimism that the legislation could pass with bipartisan support before year-end. She has since warned that the U.S. risks falling behind the EU and Singapore without regulatory clarity.

Why This Matters
The stalled momentum highlights the political challenges of crafting digital asset legislation in a divided Congress. With Democrats advancing a competing framework and Republicans fractured, the future of U.S. crypto market structure rules may remain uncertain well into 2025.

@ Newshounds News™
Source: CryptoNews

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US Senate Committee Advances Trump’s ‘Crypto-Friendly’ Fed Pick

Stephen Miran’s nomination sparks partisan split amid questions over Fed independence and digital asset policy

Senate Committee Vote Falls Along Party Lines
The U.S. Senate Banking Committee has advanced the nomination of Stephen Miran to the Federal Reserve Board of Governors, setting up a full Senate vote. The decision came in a narrow 13–11 party-line vote, with Republicans in favor and Democrats opposed.

Miran, previously tapped by President Donald Trump to lead the Council of Economic Advisors, is being considered for a temporary Fed seat vacated by Adriana Kugler, whose term ends January 31.

During his confirmation hearing last week, Miran said he would not resign from his role advising the White House even if his time at the Fed extended beyond January.

Miran’s Crypto-Friendly Outlook
Though Miran has made few public statements on digital assets, he signaled in a December interview that “crypto has a big role potentially to play in innovation.” Since joining the Trump administration, however, he has been largely silent on the issue.

If confirmed, Miran would join the Fed as it prepares for an October conference on payments policy, including discussions on stablecoins and tokenization—areas where his openness to crypto innovation could play a role.

Fed Independence Tested
Miran’s nomination comes at a tense moment for the central bank. President Trump recently attempted to remove sitting Fed governor Lisa Cook, citing mortgage fraud allegations in an August 25 letter.

Cook refused to resign, and on Tuesday a federal judge in Washington, D.C., blocked Trump’s order, ruling the president had not provided sufficient cause. The administration has filed an appeal.

The episode underscores ongoing tensions over the independence of the Federal Reserve, with critics warning that political interference could undermine its credibility.

Why This Matters
Miran’s potential appointment would place a “crypto-friendly” figure on the Fed at a pivotal time for digital asset policy. With the central bank set to address stablecoins and tokenization in upcoming discussions, his stance could influence how the Fed balances innovation with oversight.

@ Newshounds News™
Source: CoinTelegraph   

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SEC Postpones Decision on Franklin XRP ETF, Sets New Final Deadline

Commission pushes review to November as optimism builds for XRP ETF approval

Franklin’s XRP ETF Faces Extended Review
The U.S. Securities and Exchange Commission (SEC) has delayed its decision on the Franklin Templeton spot XRP exchange-traded fund (ETF), setting a new final deadline of November 14, 2025.

Franklin’s proposal dates back to March, when the Cboe BZX Exchange filed to list and trade shares of the ETF. After initial publication in the Federal Register on March 19, the SEC began its statutory review process.

By law, the SEC must rule within 180 days but can extend the review by an additional 60 days if needed. The agency exercised that option this week, citing the need for more time to assess the proposal.

Final Deadline in November
The SEC’s notice makes clear that November 14 will be the final deadline for Franklin’s application. At that point, the agency must either approve or reject the XRP ETF.

If approved, the product would give investors regulated exposure to XRP’s performance, marking a milestone for both Franklin Templeton and the broader digital asset market.

The delay follows a familiar pattern: the SEC has often used the full extension period for crypto-related ETF filings, citing the need to evaluate market structure, custody, and investor protection issues.

Other XRP ETF Applications Also Pending
Franklin’s application is one of several in front of the SEC. Other asset managers—including Grayscale, Bitwise, Canary, 21Shares, and CoinShares—are also awaiting decisions.

The SEC is expected to rule on multiple proposals in mid-October, with Franklin’s deadline now set slightly later.

Market Sentiment Points to Approval
Despite the delay, investor confidence remains strong. Prediction market data from Polymarket shows a 92% probability that XRP ETFs will launch this year, up from 91% last week.

Optimism stems from the SEC’s evolving stance toward digital assets, highlighted by its Project Crypto initiative and recent remarks by SEC Chair Paul Atkins, who declared that “crypto’s time has come.”

Why This Matters
The SEC’s November decision on Franklin’s XRP ETF could open the door to mainstream adoption of XRP as a regulated investment product. With multiple applications nearing resolution, the coming weeks may mark a turning point for digital asset ETFs in the U.S.

@ Newshounds News™
Source: The Crypto Basic

~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

Follow the Roadmap

Follow the Timeline 

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

“Tidbits From TNT” Thursday Morning 9-11-2025

TNT:

Tishwash:  Rafidain Bank supports nearly 2,000 projects worth 24 billion dinars.

Rafidain Bank announced the allocation of the 11th installment of the "Leadership and Excellence" initiative, noting that the projects funded by the initiative have reached 1,804.

The bank stated in a statement, seen by Al-Masry, that the initiative (Leadership and Excellence) included the 69th batch of registrations, with a total amount of one billion dinars, within the framework of initiatives supported by the Central Bank of Iraq.

The statement added, "The total number of projects funded under the initiative reached 1,804, with a total value of 23 billion, 941 million Iraqi dinars, reflecting the bank's commitment to supporting pioneering projects and contributing to the development of the national economy." link

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Tishwash:  Kurdish Life in Nashville; A small Kurdistan in the heart of America

Nashville, Tennessee, has been home to a large Kurdish population since the reception of Kurdish refugees in the 1980s. It is known as a small Kurdistan in the heart of the United States.

Two years after the Kurdistan Region of Iraq (KRG) was named the sister city of Nashville, the presence of the Kurdish community in the city has become more pronounced. From Kurdish restaurants and markets to Kurdish festivals, cultural events and sports programs, Nashville has become a symbol of the Kurdish diaspora in the United States.

The “A Country in Our Hearts” podcast, recently broadcast by local radio (WPLN), attempts to make a connection between the past and present of the Kurdish community in Nashville by looking at the stories of Kurdish immigrants. "The choice of this topic reflects the fact that Kurds have been forced to migrate to other countries, especially the United States and Europe, in recent decades, and this idea is the point of contact between the various fronts of Kurdish immigrants who have started a new life in Nashville.

According to Gilbert, a significant part of that history dates back to the 1980s; When the Anfal operations ordered by Saddam Hussein led to the massacre and cleansing of the Kurdish people in northern Iraq, the destruction of thousands of villages and hundreds of thousands of Kurdish refugees. Most Kurdish families, including Nash Chalka, whose father was a Peshmerga, have finally arrived in the United States after years of fleeing and hiding in temporary shelters.

By 2025, refugee housing plans will continue to be suspended and the US political climate will accept fewer immigrants than in the past. This issue has become especially difficult after a massive wave of Kurdish immigrants, especially Kurds from Turkey, across the Mexican border to the United States. Because unlike the first front of Iraqi Kurdish immigrants who entered the United States through organized programs, this new group faces a complex legal process and strict legal and social measures.

This gap between two immigrant experiences shows that Nashville's “Little Kurdistan” is not just a historical immigrant narrative, but has now become a meeting place of two opposing realities: the memory of displacement in the 1980s and the challenges of asylum in the United States today.

Thus, Kurdish society in Nashvik has been able to establish a stable identity by preserving their traditions and ceremonies. The celebration of Newroz, which has been held in the city since 1994, is a clear example of this cultural resistance. The lighting of the symbolic bonfire and the gathering of thousands of people not only mark the beginning of the New Year, but also a symbol of resistance and hope for a society that has turned its painful history into an opportunity for revival.

In this sense, Nashville's “Little Kurdistan” is higher than an immigrant neighborhood, and its Kurds reflect the broader challenges of US immigration policy and the role of the diaspora in redefining identities in a new country. The Kurdish experience in Nashville shows how Washington's political decisions, from Saddam's Anfal to the restriction of access to refugees, directly affect the fate of displaced people and the future of their fronts in the United States  link

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Tishwash:  Digital banks and financial inclusion

Today, Iraq is witnessing the launch of a new era of banking services, shifting toward digital services in line with the global trend toward digitization and the abandonment of traditional services.

This sound approach is not just about smart applications and digital platforms, but rather represents the launch of an ambitious vision for a more comprehensive and efficient financial future.

The traditional banking sector has always been the cornerstone of economies, but for years it has been confined by walls of branches and long bureaucratic wires, which has prevented it from reaching broad segments of society. Obtaining a bank account or a simple loan is an arduous journey, especially in remote areas. Here, the... 

The importance of the real revolution of digital banks.

The technology has matured, becoming more secure and safe than ever before thanks to advanced encryption and biometrics. Consumer confidence has matured, as consumers have learned how to manage their daily affairs through their smartphones. More importantly, the urgent need to popularize the concept of the financial citizen, who has the right to save, invest, transfer, and finance with ease and transparency, has matured.

A digital bank, then, is not a luxury, but a strategic necessity. It is the bridge that will allow millions of the "unbanked" to cross into a world of economic opportunity that once seemed out of reach. It is the means by which the small shopkeeper, the woman working from home, the ambitious young man, and the elderly man in a remote village will be brought under the umbrella of the formal financial system. These are not just transactions; they are true empowerment.

Hence the importance of digital banks in achieving financial inclusion. 

Digital banks are distinguished by their absence of the huge operating costs of traditional branches. Digital banks can offer their services at highly competitive prices, lower fees, and higher returns on savings, benefiting all customers, especially those with limited income.

The launch of these banks is a clear message of confidence in our economy, our technological capabilities, and our future. It is a declaration that we believe in all our citizens and strive to provide every individual with the tools they need to be an effective part of the economic fabric.

This is not the end of banking as we know it. Rather, it is a new birth—smarter, faster, and closer to the pulse of the people. The financial future begins today, with the push of a button, the touch of a screen. Let us all be the ones who make it happen.

Today comes the Central Bank's step 

 The launch of e-wallets is a fundamental prerequisite and an important path to launching digital banks in Iraq. This approach forms part of a broader strategy for digital transformation in the Iraqi banking and financial sector. This step—and I mean the launch of the e-wallet—can be considered

Preparing the digital infrastructure and developing the payment and financial transfer system in Iraq. These wallets serve as a technical and operational foundation for building integrated digital banking services.

• By enabling transfers between e-wallets and merchants, the Central Bank facilitates the transition to cashless transactions, a necessary step for digital banks that rely entirely on electronic services. This will contribute to enhancing digital financial literacy.

Having secure e-wallet systems in place also makes it easier for future digital banks to comply with regulatory standards without having to build systems from scratch. 

All these efforts coincide with the banking sector reform plan launched by the Central Bank, which focuses on enhancing financial inclusion and digital transformation. link

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Mot:  The Work of Gary Larson: The Far Side 

Mot:  . Why I Mow My Own Yard!!!!  

A New Financial Order? Why the BIS is Quietly Expanding Now

A New Financial Order? Why the BIS is Quietly Expanding Now

Miles Harris:   9-10-2025

In the bustling narratives of global finance, we often focus on the obvious players: central banks, major economies, technological disruptors.

But lurking quietly, yet growing monumentally, is an institution that might just be the most significant architect of our financial future: the Bank for International Settlements (BIS).

As global financial trust fractures amid rising geopolitical tensions, the erosion of dollar dominance, and the advent of digital currencies, the BIS is not just holding the line; it’s actively building the infrastructure for a new era.

And its symbolic new tower stretching skyward in Basel, Switzerland? That’s more than just bricks and mortar – it’s a monument to a burgeoning global role.

Often dubbed the “central bank of central banks,” the BIS is an institution many have never heard of, yet it coordinates the actions of 63 central banks, representing a staggering 95% of global GDP. Think of it as the ultimate neutral ground, where the world’s monetary authorities converge to discuss, coordinate, and innovate on monetary policy, financial regulation, and the technology that underpins it all.

Miles Harris’s insightful video brings this overlooked giant into sharp focus, revealing how the BIS is positioning itself as the indispensable coordinator for central banks worldwide at a time when that coordination is more critical than ever.

The physical expansion – that impressive new tower – isn’t just about more office space. It’s a tangible reflection of the increasing complexity and demands of global financial governance. Imagine grappling with high inflation, unprecedented financial volatility, and the seismic shifts of de-dollarization pressures. That’s the BIS’s daily brief.

These aren’t theoretical exercises; they require specialized legal, technical, and policy teams working tirelessly to shape the financial rails of tomorrow. Beyond digital cash, the BIS’s foundational Basel Committee is also expanding its regulatory purview dramatically, moving from traditional banking oversight into uncharted territories like climate risk, crypto regulation, and even the ethical deployment of AI in banking.

In a world increasingly fragmented by geopolitical tensions between East and West, the BIS’s role as a neutral platform becomes even more critical. It’s the meeting point where diverging financial infrastructures can still find common ground, enabling crucial integration without overt political alignment.

And speaking of integration, consider the $200 billion-plus in foreign reserves the BIS manages for central banks. As countries look to diversify away from U.S. Treasuries, the BIS is increasingly handling asset management that includes shifts towards gold, the Chinese yuan, and other alternative assets.

This quiet rebalancing act underscores profound shifts in global financial power.

What truly sets the BIS apart now is its emerging role in consolidating monetary governance. We’re talking about a shift of influence away from traditional multilateral institutions like the IMF or the UN, towards a model centralized among central banks themselves.

 The BIS is actively developing infrastructure for real-time cross-border transactions using Central Bank Digital Currencies (CBDCs), which could potentially bypass traditional intermediaries like SWIFT. This isn’t just about speed; it’s about fundamentally reshaping monetary sovereignty and global trade.

And here’s a fascinating paradox: while official policy rhetoric often downplays gold’s monetary role, its resurgence, particularly among BRICS+ nations, signals a quiet repositioning of the metal as a monetary safeguard outside direct regulatory frameworks.

 This divergence between public statements and central bank actions is a crucial trend the BIS is navigating, subtly incorporating it into a broader, more diversified monetary landscape.

Ultimately, the BIS is not just reacting to change; it’s actively crafting a multipolar, programmable monetary ecosystem. This future promises shared protocols and technological standards, with the BIS firmly at its core.

The goal? To maintain centralized control and stability, even under the appearance of cooperation and pluralism. The new BIS Tower stands tall, not merely as an office building, but as a silent monument to this new era – a future where no single currency dominates, but where stability and control are preserved through sophisticated, centralized coordination.

The story of the BIS is a complex, pivotal one, and understanding its trajectory is essential for anyone interested in the future of money.

For a deeper dive into these intricate developments, I highly recommend watching the full video from Miles Harris. It’s an eye-opening exploration into the institution that’s quietly building the financial bridges of tomorrow.

https://youtu.be/7nckpQQ1IA4

50 Habits That Will Prepare You for a Comfortable Retirement

50 Habits That Will Prepare You for a Comfortable Retirement

Lydia Kibet   Wed, September 10, 2025   GOBankingRates

A comfortable retirement isn’t built overnight and it doesn’t require a six-figure salary. What makes the difference are the small habits you build over time. Whether you’re in your 20s or 50s the right habits will help you build the kind of retirement you want.

The 50 habits below will set you up for a comfortable retirement.

Saving and Investing

1. Start saving and investing early. Time is your greatest asset. The earlier you start, the more time your savings and investments have to grow.

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2. Automate your finances. Set up automatic transfers to your savings, investing and retirement accounts.

3. Build an emergency fund. Save at least three to six months’ worth of living expenses to avoid tapping into your retirement accounts during emergencies.

4. Take advantage of employer 401(k) match. This is free money. Always contribute enough to your 401(k) to get the full employer match.

5. Contribute to an IRA. Use a traditional IRA or Roth IRA to grow your retirement savings tax-efficiently.

6. Diversify your investments. Don’t invest in one asset class. Spread your money across stocks, index funds, ETFs and bonds to reduce risk.

7. Invest consistently. Use dollar cost averaging to invest consistently regardless of where the market goes.

8. Rebalance your portfolio regularly. Review your portfolio year and adjust asset classes based on your risk tolerance and goals.

9. Understand your risk tolerance. Pick investments that align with your risk appetite.

10. Avoid emotional investing. Stick to your plan despite the market swings.

11. Increase your retirement contributions annually.

12. Don’t panic during market downturns. Don’t panic sell your investments when the market is going down.

13. Stay invested long-term. Time in the market beats timing the market.

4. Shop for insurance annually. Compare rates for auto, home and health insurance to ensure that you’re getting the best rates.

15. Use catch-up contributions. Contribute more to your retirement accounts once you hit the age of 50.

16. Avoid early withdrawals. Don’t tap into your retirement accounts unless it’s an emergency that deserves the withdrawal penalty.

17. Harvest tax losses. Strategically realize losses to offset gains and reduce current tax liability

Spending and Budgeting

TO READ MORE:  https://www.yahoo.com/finance/news/50-habits-prepare-comfortable-retirement-185504786.html

How Happy Couples Handle Money — Even When They Disagree

How Happy Couples Handle Money — Even When They Disagree

September 4, 2025  Top 100 Money Experts

What’s the best way to manage money with a partner? 

You’re sitting at the breakfast table with your partner. Gazing into their eyes, you think about how much you love them, how much they — to quote “Jerry Maguire” — “complete you,” and how fortunate you are to have them.

Just as you’re about to fall even deeper in love, they open their mouth to tell you they might have, ahem, put a little more on the credit card than they planned. Or perhaps to chide you for not taking your employer match on your 401(k).  

Ah, love. Ain’t it grand? It still can be — even if your money habits clash — when you learn how to balance different financial styles. That process might sound complex and uncomfortable, but according to Emma Johnson, founder of Wealthy Single Mommy and author of “The 50/50 Solution” and “The Kickass Single Mom,” it starts with something simple: listening to each other.  

GOBankingRates caught up with Johnson to get her take on how happy couples can stay happy couples when it comes to managing money together.

YOU TUBE VIDEO:  https://www.youtube.com/watch?v=dqyl46S4HvM&embeds_referring_euri=https%3A%2F%2Fwww.gobankingrates.com%2F&source_ve_path=OTY3MTQ 

Respect Each Other’s Financial Independence  

One of Johnson’s first pieces of advice is to recognize that you and your partner are, well, your own people. You each had fully formed identities and managed your own money before you got together. Acting like a parent or boss with your partner’s finances can only breed resentment.

Each partner needs some financial autonomy – money you can spend without checking in first,” Johnson said. “You’re both adults.” 

Therapists back this up. Given how often couples argue over money, it’s not surprising that services like Ascencion Counseling include financial advice right on their websites. To keep your financial independence while managing joint responsibilities, you and your partner need to communicate and plan together.

One common approach is to open a joint account for major shared expenses like rent, utilities and groceries, while keeping separate accounts for personal spending. Once you agree on how much each of you will contribute — ideally based on income rather than splitting everything 50/50 — you can still maintain individual control over your own separate accounts.  

This kind of setup gives each partner more confidence in their financial abilities while also minimizing potential resentment. That’s a win-win.

Love Each Other Through Your Differences  

TO READ MORE: https://www.gobankingrates.com/saving-money/savings-advice/one-saves-other-spends-financial-pro-manage-money-couple/?hyperlink_type=manual

Ariel: Acceleration of Dinar Revaluation

Ariel: Acceleration of Dinar Revaluation

9-10-2025

ACCELERATION OF DINAR REVALUATION

The CBI could announce an emergency imminent rate, following the strike (e.g., September 12-15), using a 48-hour bank closure to update ATMs and SWIFT codes to a 1:1 or 3:1 rate or more, backed by gold ($17.4 billion) and reserves.

Capital controls ($5,000 withdrawal limits) would curb speculation, while $200 billion in FDI driven by U.S. trade deals (March 2025) would flood in, mirroring Vietnam’s 2007 surge.

This rapid shift bypasses delays like Powell’s tenure or gold revaluation, as Trump’s strategy hinges on immediate economic leverage.

The assault’s shock value, neutralizing Iran’s loyalists, would force Iraq to act, fulfilling global dinar holders’ expectations and repositioning Iraq as a financial hub.

This aligns with Bukele’s warnings of accelerated change, outpacing traditional timelines. I will go into detail as to why it is not feasible for a country like Iraq to have a weak currency during this type of turmoil that can target their oil which they are currently reliant upon for exports.

Listen, 1:1 is the basis and IMF approved years ago. Because the lowest they can come out with is .76 cents and float it from there.

You will have to watch the markets and go from there as to how you will decide to proceed. Iraq is just the start gun for me.

I hold other currencies so I can afford to wait as I make way more than your average person every month so my priorities are different from yours or those who are facing financial challenges.

So I understand the immediate concern once it goes for most people.

Source(s):  https://x.com/Prolotario1/status/1965541570670952511

https://dinarchronicles.com/2025/09/09/ariel-prolotario1-acceleration-of-dinar-revaluation/

Bruce’s Big Call Dinar Intel Tuesday Night 9-9-25

Bruce’s Big Call Dinar Intel Tuesday Night 9-9-25  

Transcribed By WiserNow Emailed To Recaps  (INTEL ONLY)

Welcome everybody to the big call tonight. it is Tuesday, September 9th and you're listening to the big call. thanks for joining us again on the big call where we hope we have a lot of good information to give you, and we know we have great stuff coming from Sue and from Bob, and hopefully from me as well.

So let's get into our little Intel segment. We've got a few things to bring up. First of all, I'm always reminded about, where do we stand on Social Security? DOGE, the what do you call it? The tariff dividends, etc.

Well, we did get something yesterday, which I think is very good from our Social Security contacts. And they said that Social Security increases are locked in place for the month of September.

Now I know you guys that get your social security on the first Wednesday the third did not get your increase, and tomorrow is the second week on the 10th I don't know if you're going to get it or not, but I've been told the increase itself is locked in, which means sometime in the month of September, the increase should show up. Okay.

 Now, as far as Doge and the  $150 trillion that's supposed to be part of the dividends of the tariffs, tariff dividends and so on. I don't know the latest on that. We were told a while ago that we should get that also in the month of September, but we'll have to wait and see if that's what happens. Okay. The other thing is, I’m thinking of the or whatever else I wanted to mention.

Well, Sue covered it very nicely about the idea of the experience of going into the redemption centers and what we should come out with, remember, you'll come out with your credit debit card, which will give you the opportunity to do either credit or debit.

You'll come out with a with a quantum card that's attached to your quantum account. This is what I wanted to say about that. If you're a married couple going in to do your exchange together, which is recommended, one of the two of you will actually do the biometric fingerprint or thumb print, and all of the other Parts of it, which are the new username, new password, the five digit PIN code, if you will, and the new email and new password for the email, all of that, those little six steps are What you need to do to access your quantum account using your quantum card.

Now, only one of the two of you can do that if you're married and you go in as a couple, so just decide which of the two you want to be the one to do it, and the other person, of course, will have signing privileges on bank accounts and everything --  the only thing --  remember, the quantum card is only used for one purpose, to move money from the quantum account into one or more of your bank accounts.

 So if you go into your Chase and go into your wells and go into your trust account, whatever, however you set it up, and that would be what it's used for. And remember for the first 60 days, they want us to put an amount from our quantum into a master account. I call it masterwork. Call it a primary account with Wells --  put an amount in there that you think you'll need for the first two or three months, and then after they see how you spend it, making sure that you don't do something wrong with it.

And then when that, when that happens, they will watch you make sure. The Quantum account will watch to see how you spend. It Simple as that, the QFs, the quantum financial system will monitor all transactions.  That's okay. If we're not doing anything wrong, it's not a big deal.

Now, after 15 days, you can move a much larger  for whatever you want to move into primary or secondary bank accounts.

Okay, so that's and if you haven't trust already. You should put your exchange in the trust so that you're covered and it's considered private, obviously, and you have your trustees, and you have your successor trustees, should something unfortunate happen to the primary trustees, and you've got your beneficiaries and all of that stuff, right, and successor beneficiaries, possibly.

So all of that, if you've got it set up, is good to go. If you don't have a trust, they would like for you to have one made through your attorney, whatever attorney you want to choose, state planning attorney, trust attorney, and if you don't have one, or don't know of one, they can help you to get one, and they want you to have a trust in place within the first 30 days of your exchange. Okay? They want it done.

And some of us have it done already. If you've got LLCs already set up, I've got my LLC, so I need to modify one or maybe two of them to reflect the change that I want to make in the name of the LLC and put and I'm going to put four different accounts together that would be sub accounts underneath the primary account. They'd be secondary, each one in the name of an LLC.

Okay, so you need to get with an estate planning attorney fairly soon. If you don't have one yet, if you don't have one and don't have a trust yet.

They really way to go. We haven't talked a lot about trust, about the mechanics of it, but it's something that you should get with a professional on. Okay, now that takes care of that aspect of it. The other thinking is we are very close to getting notified.

I don't have an exact day that I think it would come  but I have an “opinion” - and I’ll tell you why -- you guys have heard the term disclosure. You've heard that we will be getting some disclosure on certain things that have happened in our history to get the truth brought out. Well, guess what Thursday's date is?  9/11

Do you think there might be a possibility that we will receive an emergency alert  system and an Emergency Broadcast System notice and broadcast on 9/11 ?   I think it’s very likely that will be brought out about what really happened on 911 and several other things like the Murrah Building in Oklahoma City that blew up that whole thing.

I think also we could get something about the excellent Valdez oil spill. I think we could get something about the BP oil spill in the Gulf, and we should get another piece of disclosure,  - it might take 2 – 3 - 4, days, I've been told  we could get five days of disclosure that could start on Thursday the 11th of September, 9/11 - Thursday, Friday, Saturday, Sunday, Monday. That's five days. We'll see. Just keep that in mind now. What about where we are right now I've not been contacted. I do not yet have an 800 number to put out  

I think that could  change in the next day or so, and based on the idea of the possibility of the Emergency Broadcast System on Thursday, we could very well get started, I think on Thursday. Now I don't have that absolutely -- I'm hearing some things that are making me go in that direction.

That's all. I may be wrong.  If I’m wrong – I’m wrong -- But I feel  it is coming to that conclusion 

So, what do you do the meantime?   Do what Sue suggested - about  getting your paperwork, your files and all of that lined out. Make sure your currency is lined out ready to go. You've got it organized by country and currency of that country. You've got it set up by denominations, meaning the value of each note, from highest to lowest, or lowest to highest.

You've got it set up where they just feed it right into the Delarue machine and identify it, verify it, count it, all of that. And what I would suggest is that you get ready for the med beds that are coming out and that are there. They're waiting for us.

We've got to get the exchange done first before we have access. And they're going to give people with dire act dire needs and Zim holders first priority. So if you have Zim and you've got medical needs and other things like that, you'll get in a little sooner. You want to let them know if that's the case.

All right, one other thing before I do another med bed, because I don't want to forget this --  I found out today, even though we've talked about the contract rate at the redemption center on the dinar, the Iraqi dinar, - by the way --  I don't think, Since this is Tuesday, we didn't have this  --

On Saturday -- The Iraqi dinar was finally published in the Gazette - their official publication, and it becomes law when something is published in the Gazette, they had the Dinar in the Gazette, since it was public, and you could theoretically find it, it was at $3.91 at that time.

Now it's going up, and it's already traded up significantly since then, since Saturday and I've got raised. I'm not going to say, pay what they are, but they're higher. I gotta go even higher. Remember what Dr sino Al shabibi said back in 2012 at the US Chamber of Commerce Meeting?  He said he believed when asked by  Blue Star. What value to the US dollar did he believe the Iraqi dinar could support?

Dr Shadi said, I believe the Iraqi DINAR will support a rate of about $16 -- Now that's a killer rate. It's not at 16 yet, but realize it could very well be on our way, and it would not surprise me at all at the redemption centers, NOT AT THE BANKS - but at the redemption center, you could see a rate easily on the front screen of that amount $16.

Now we're not here to do rates, but I will say this, the contract rate on the dinar is only available at the redemption center. NOT available at the bank - can't get it there. It's going to be substantially higher -  but you have dinar, you need to call the 800 number, set up an appointment and go give and especially if you have zim, nobody else will be doing the same except the redemption centers period.

So the contract rate on the dinar was officially agreed upon, already by President Trump and by the well, let's just say the prime minister of Iraq and the head of the CBI, Alok, Dr Alok. And so I think it's, it is a lock. It's locked in, and it's a very good rate, and it does not appear to be contingent on the per barrel price of oil selling from Iraq because it's already agreed upon – it’s contracted.

And I finally got that through my head today, I wanted to share that with you guys bring up  -- anybody that has dinar. I um, so Med beds are available for us very soon after we exchange, and you should have a list of your SIX people that you recommend or that you're referring to go into the Med bed when you go in, to give them that list.

When you go into the Med bed center, we're calling them the Med bed center. When you go in there, get that list of six name and phone numbers we have address or email that they don't have to I'm just working off my contact list and doing that on from my phone.

Right away after you exchange, you can get in there five or six days for most people with a dire need, maybe a little sooner. But I think they want Zim holders and dire need in first, right away. They want us to live a long time to see our projects come to fruition .

Keep an eye out between now and Thursday. And you know, we expect to have a call Thursday night. Maybe it'll be a celebration call. Who knows, but be prepared for it, and I just look for to it as much as you guys do. Okay, so let's, let's do this. Let's thank everybody.

Thanks Sue for doing a marvelous job on the teaching and on bringing the prayer requests praise reports out, and everything else he does for me and for us on the big call. And thank you Bob for a wonderful job with boomers.

So I'm excited about I'm going to say towards the end of the week, let's see where it goes. Let's thank big call universe for you guys listening to us on the big call for the last 14 years. All right, so thank you everybody. Let's go ahead and pray the call out, and we'll turn off the recording.    We look forward to great things on Thursday or by Thursday

Bruce’s Big Call Dinar Intel Tuesday Night 9-9-25 REPLAY LINK   Intel Begins   1:14:00

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Bruce’s Big Call Dinar Intel Thursday Night 8-21-25 REPLAY LINK   Intel begins   1:07:00

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Bruce’s Big Call Dinar Intel Thursday Night 8-14-25 REPLAY LINK   Intel begins   1:06:40