FRANK26….9-11-25………NOTHING

KTFA

Thursday Night Video

FRANK26….9-11-25………NOTHING

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

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

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

https://www.youtube.com/watch?v=MS4e62MJ35s

More News, Rumors and Opinions Thurs. PM 9-11-2025

RV Excerpts from the Restored Republic via a GCR: Update as of Thurs. 11 September 2025

Compiled Thurs. 11 September 2025 12:01 am EST by Judy Byington

Wed. 10 Sept. 2025 FEDERAL RESERVE FRAUD: THE DOLLAR WAS NEVER LEGAL! THE BIGGEST LIE IN FINANCIAL HISTORY …@MedBedsTechnologyNews

A leaked memorandum from 1974 reveals what the Federal Reserve never wanted you to know: After the gold standard was abolished, the U.S. dollar became nothing more than a paper contract. Every dollar printed since then is an empty promise — with no real value behind it.

Since that day, $200 TRILLION have been stolen through inflation, banking manipulations, and debt traps. Your salary. Your savings. Your future — devoured by a system that was never legal in the first place.

The document admits: “If the public learns the truth, confidence in the dollar will collapse within one day.”

WHAT THIS MEANS:
• Every debt tied to the dollar is fraud.
• Every tax paid in dollars is extortion.
• The entire global economy is built on a paper lie.

Read full post here:  https://dinarchronicles.com/2025/09/11/restored-republic-via-a-gcr-update-as-of-september-11-2025/

**************

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

Militia Man The Iraqi dinar, is it real?  Of course  it is.  It's completely real...Some of you folks always ask, 'Why did you get into this?' ...I did research to get to my decision to buy the Iraqi dinar.  One of the thing I found was an IMF 198 page document...It was $3.22. That was Iraq's currency based off oil. Today we have non-oil resources... New  banking...  new technology...new natural resources they found.  All of those types of things come into play because that's where valuation comes into.

Frank26   [Iraq boots-on-the-ground report]  FIREFLY:
Alaq...he's telling us the UN is praising him and all of our Iraqi banks...They're also praising our monetary reform and Alaq spoke about how we are meeting international standards now and how electronic is working.  FRANK:  What do they know that we do not?  Because 1310 is nothing to paise.  It's no secret!  That's why they said what they said.

Mnt Goat  WOW! Iraq is quickly heading to a financial superpower.   Article: “IRAQ’S NON-OIL REVENUES JUMP TO 7 TRILLION DINARS THANKS TO REFORMS.”  So, we have read past articles and witnessed all the efforts that Iraq has taken in reforms in all areas of banking, financial and the economy. This is how they got where they are today. This has been an uphill battle. 

************

We Could See Silver Return 4x Gold, Russia's Stablecoin 'Hoax' Call

Mike Maloney:  9-11-2025

Prepare for a monetary upheaval like no other. In this eye-opening episode of The Gold Silver Show, Mike Maloney and Alan Hibbard break down:

The fragility of the U.S. dollar and why the Fed may be cornered.

How gold is primed for a comeback—and silver could soar even higher.

 Why only gold truly qualifies as “money,” while everything else is just credit.

Tactics to navigate the chaos: when to buy silver, when to convert to gold or real assets.

Don’t miss this updated insight into the looming monetary reset and what it means for your financial fortitude.

https://www.youtube.com/watch?v=6N8J5gBt35A

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

~~~~~~~~~

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

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/

***********

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.

************

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

~~~~~~~~~

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   

~~~~~~~~~

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

************

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

************

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