Iraq Economic News and Points To Ponder Thursday Afternoon 11-20-25

The Prime Minister Directs The Shift Towards Electronic Payment For Electricity Bills

Thursday, November 20, 2025 | Economy Number of views: 383   Baghdad/ NINA /Prime Minister Mohammed Shia al-Sudani directed the Ministry of Electricity to transition to electronic payment for electricity bills, particularly for high loads and commercial, industrial, and agricultural sectors supplied with electricity.

The Prime Minister's Media Office stated in a press release: "Al-Sudani chaired a meeting today, Thursday, to follow up on the electricity billing file, in the presence of the Minister of Electricity, the Head of the Board of Advisors, senior staff from the Ministry of Electricity, and a number of officials concerned with this file."

The statement added: "During the meeting, the current distribution plan and a roadmap for resolving bottlenecks were discussed, along with a report on the plan to reduce energy losses and waste, aiming to reach a 40% reduction in current losses and to take deterrent legal measures regarding losses in certain areas."

The meeting also discussed calculating the value of supplied energy and the energy metered, comparing them to the actual collection amount, and conducting a general review of electronic billing over the past two months across the country, measuring the extent of the increase achieved.  https://ninanews.com/Website/News/Details?key=1262925

Iraq Enters The Era Of "Digital Maturity"... Huge Leaps In The Use Of The Internet And Social Media

Money and Business  Economy News - Follow-up   Iraq is witnessing a significant acceleration in the use of digital technology in its various forms and methods, coinciding with the entry of thousands of international companies into the Iraqi market. This surge in digital consumption is attributed to what could be considered excessive usage.

According to official figures released by global digital companies, most notably We Are Social, this trend is occurring amidst warnings about the continued escalation of reliance on rapidly advancing technologies and their increasing dominance over the lives of Iraqi citizens, despite the positive aspects of the current digital maturity.

The latest digital data released for October 2025 revealed radical shifts in the Iraqi technological landscape, with the country recording record jumps in internet and smartphone usage rates, a clear indication that Iraq is entering a phase of accelerated "digital maturity".

A report issued by We Are Social, which highlights the adoption of connected services, showed that Iraq is witnessing an unprecedented phenomenon in the use of social media, which grew by a tremendous 17% in just one year, with the number of digital identities exceeding 40 million.

In detailing the figures, the report explained that the number of mobile phone subscriptions in Iraq has exceeded the actual population, reaching 50.8 million subscriptions, in a country with a population of 47.3 million people, and with a penetration rate of 108% of the total population, the concept is established that the Iraqi citizen depends entirely on the mobile phone as a main gateway to the world, with the phenomenon of an individual owning more than one SIM card being widespread.

These figures come in conjunction with the rise in the country’s urbanization rate to 72.2%, which has facilitated the deployment of communications infrastructure in cities and densely populated areas.

The internet is no longer a luxury in Iraq, but a necessity for daily life. The report indicated that 39.6 million Iraqis use the internet, which is equivalent to 83.8% of the population. This widespread use, which grew by 4.7% compared to last year, practically means the disappearance of the “digital divide” that the country suffered from in previous decades, paving the way for distance education services and digital work.

The most controversial and interesting figure in the 2025 report is the "rocketing" increase in the number of social media users, with 5.8 million new users joining these platforms in the last 12 months alone.

Ali Nouri, a researcher and specialist in digital media, believes that “the number of social media accounts exceeding (40.1 million) the number of actual internet users reflects a deep division of Iraqi society in the virtual space, and the multiplicity of accounts for one individual across different platforms, which makes these platforms the new ‘public arena’ for Iraqis.”

Nouri affirms: “This new digital landscape opens the door for the business sector; the data clearly indicates that the Iraqi market is fully ready for a revolution in e-commerce and financial technology (FinTech), and with a user base of this size, companies that do not have a clear digital strategy will find themselves out of the competition.”

He continues, "These figures place the Iraqi government before urgent obligations, most notably the need to move from the traditional e-government to a 'smart government' that provides its services through mobile phone applications to suit the behavior of citizens, in addition to the urgent need for strict legislation related to cybersecurity to protect the data of millions of new users."   https://economy-news.net/content.php?id=62508

The Iraqi Stock Market Saw Its Name Traded With A Financial Value Exceeding 8 Billion Dinars In A Week

Stock Exchange  Economy News – Baghdad   The Iraq Stock Exchange announced on Thursday that its shares were traded with a financial value of more than 8 billion dinars during the five trading sessions held this week, which is nearing its end.

According to market indicators, the number of shares traded during this week exceeded 30 billion shares, with a value of more than 8 billion dinars.

The ISX60 market trading index closed the first session of the week at (957.96) points, while the index closed at the end of the week at (964.96) points, thus achieving an increase of (0.73%) compared to its closing at the beginning of the session.

The ISX15 market trading index closed the first session of the week at (1181.26) points, while the index closed at the end of the week at (1191.65) points, thus achieving an increase of (0.87%) compared to its closing at the beginning of the session.

During the week, (4719) buy and sell contracts were executed on shares of companies listed on the market.
https://economy-news.net/content.php?id=62510

Worth One Billion Dinars, Al-Rafidain Bank Raises The 39th Installment Of The Leadership And Excellence Initiative.

banks   Economy News – Baghdad   Rafidain Bank announced today, Thursday, the release of the thirty-ninth installment of the Leadership and Excellence Initiative dedicated to supporting small and medium enterprises, with a total funding of 1 billion Iraqi dinars distributed across 91 projects.

The bank’s media office said in a statement received by “Al-Eqtisad News” that the release of this batch comes as a continuation of efforts to finance entrepreneurs and youth within the Central Bank of Iraq’s initiative aimed at revitalizing the labor market and supporting productive projects.

The statement added that the number of loans funded since the launch of the initiative until now has reached 4,040, while the total value of the amounts granted has reached 52.941 billion Iraqi dinars, which reflects - according to the bank - its commitment to supporting entrepreneurial projects and enhancing their role in driving the national economy and enabling young people to establish sustainable projects.  https://economy-news.net/content.php?id=62513

Dollar Exchange Rates Fall In Baghdad

Stock Exchange  Economy News – Baghdad  The exchange rate of the US dollar against the Iraqi dinar fell this morning, Thursday, in the markets of the capital, Baghdad.

The dollar exchange rate witnessed a decline in the two main exchanges in Al-Kifah and Al-Harithiya in Baghdad, recording 141,150 dinars for every 100 dollars, after it reached 141,300 dinars for 100 dollars on Wednesday.

Selling prices in exchange shops in the local markets of Baghdad recorded a decrease, with the selling price reaching 142,000 dinars for 100 dollars, while the buying price recorded 140,000 dinars for 100 dollars.
https://economy-news.net/content.php?id=62494

Gold Prices Fall Due To The Strength Of The Dollar

Economy | 09:33 - 20/11/2025   Mawazin News - Follow-up:  Gold prices edged lower under pressure from a stronger dollar and receding expectations of a Federal Reserve interest rate cut in December.

Spot gold fell 0.1% to $4,077.13 per ounce by 03:05 GMT, while U.S. gold futures for December delivery declined 0.2% to $4,075.80 per ounce.

The dollar rose to its highest level in more than two weeks against its rivals, making gold more expensive for holders of other currencies.

Traders estimate a 33% chance of an interest rate cut at the Fed's December 9-10 meeting. Non-yielding gold tends to perform better in low interest rate environments and times of economic uncertainty.

Attention is now focused on the U.S. non-farm payrolls report for September, due later today after being postponed due to the recent U.S. government shutdown, which is expected to provide further clues about the Fed's policy path.

In other precious metals, silver rose 0.2% to $51.44 an ounce in spot trading, platinum climbed 0.9% to $1,559.54, while palladium added 1.1% to $1,395.37.   https://www.mawazin.net/Details.aspx?jimare=270530

Oil Prices Rise To $63.72 Per Barrel

economy | 08:42 - 20/11/2025   Oil prices rose slightly, recovering  from losses in the previous session, as markets assessed the latest US proposals to end the war in Ukraine and braced for a US deadline to wind down operations with two major Russian oil companies.

Brent crude futures rose 21 cents, or 0.33%, to $63.72 a barrel by 01:42 GMT, while US West Texas Intermediate crude futures rose 24 cents, or 0.40%, to $59.68.

As part of US efforts to end the long-running conflict, Washington imposed sanctions on Rosneft and Okoil, Russia's largest oil producers and exporters, with a November 21 deadline for them to close operations.

Rosneft has reduced its stake in the Kurdistan Pipeline Company of Iraq, a major oil exporter, to less than 50% in an effort to shield the oil export subsidiary from US sanctions.

Tony Sycamore, a market analyst at IG, said in a note: "We maintain a bullish bias on crude oil as long as it remains above its year-to-date low of around $55.00."   https://www.mawazin.net/Details.aspx?jimare=270527

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

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

T. Woods   GOBankingRates

James Canole is the founder of the financial advice website Root Financial Partners, and is a CFP professional/financial advisor whose podcast, “Ready for Retirement,” helps guide people toward a comfortable and prosperous nest egg for their retirement years.

On a recent episode of his podcast series, Canole spoke to a retiree facing a fundamental challenge: how to comfortably spend money in your retirement.

Canole introduced his guest, “Ben,” as a man who “saved aggressively” so that he could retire at the age of 53. However, while Ben is enjoying his retirement, he’s found it incredibly difficult to spend money on certain things.

Growing up with a single mom, Ben came to appreciate what “a very important channel for us” money was, and how much he needed to value and appreciate it. As he became older, and aggressively saved in order to build a portfolio upon which he could retire early, his value of money only increased.

As such, Ben has found that the major issue for his retirement has been the struggle to give himself permission to spend the money that he saved and earned. “I hate to say that I’m denying myself,” he lamented, “but I oftentimes feel that that’s the case right now.”

Making the transition from “a saving to a spending mindset” was a problem he never anticipated, but it is one he has had to confront now, to the point that his retirement spending actually continues to decrease. Through Ben’s discussion with Canole, however, the two worked out ways to overcome the fear of spending and allow Ben to enjoy his golden years.

Give Yourself Permission To Spend

You’ve worked hard for your retirement, and you’ve planned ahead. This is the moment you’ve been saving for. If you don’t spend on yourself now, when will you?

Commit to a Spending Decision

Once you book a vacation, or plan a big purchase, stick to it. Ben noted that he booked an expensive vacation for he and his family, and “once I made the decision, then I didn’t regret it at all and I kept thinking that I purposely set up those funds at the beginning of the year so I could do things like that.”

TO READ MORE:  https://finance.yahoo.com/news/3-ways-overcome-fear-spending-120021438.html

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

Danoela Cambone :  11-19-2025

In today’s volatile financial landscape, separating genuine market signals from speculative noise is the ultimate challenge. Few analysts are as dedicated to this task as Gareth Soloway, who recently joined Daniela Cambone on ITM Trading for a sweeping, data-driven market analysis.

Soloway, known for his rigorous technical approach, delivered a stark warning across multiple asset classes: while the long-term outlook remains profoundly bullish for key assets like Bitcoin and gold, investors must brace for significant near-term technical corrections. This is the time for prudence, not panic, built on the pillars of diversification and strategic positioning.

For those celebrating Bitcoin’s recent highs, Soloway offers a necessary dose of technical reality. While he maintains a deeply bullish long-term stance on BTC, his analysis points to significant near-term risk based on historical chart patterns.

Soloway identifies key support levels for Bitcoin between $73,000 and $75,000. He anticipates that after a potential immediate dip, Bitcoin could see a substantial technical bounce, potentially pushing toward the $100,000 psychological mark.

The Warning: This upward move is likely a head-f**e. Soloway projects that following that bounce, Bitcoin is technically poised for a deeper correction—a critical piece of analysis often overlooked by media hype.

The enthusiasm surrounding Ethereum and various altcoins (like Solana) is palpable, but Soloway advises extreme caution. While these assets offer enticing swing trading opportunities, the rapid pace of technological evolution and competition introduces systemic risk. In a market correction, these more speculative assets tend to suffer the swiftest and deepest declines.

Soloway’s technical indicators suggest that traditional tangible assets are setting up for monumental rallies, but only after a necessary seasonal pullback.

Gold has shown remarkable strength, but Soloway notes that current market conditions mirror historical patterns that precede major moves.

He forecasts a short-term retracement for gold, pulling the price back down to the $3,500–$3,600 range. Crucially, this is presented not as a collapse, but as the final staging ground for a much larger rally. Soloway projects that by 2026, gold could potentially soar to $5,000 per ounce, reinforcing its role as the premier store of value.

Perhaps the most compelling opportunity lies in the often-overlooked rare metals. Soloway identifies platinum and palladium as significantly undervalued. Given their scarcity and industrial utility, he suggests they possess substantial upside potential, positioning them as alternative hedges alongside gold and Bitcoin against currency degradation.

Silver is following a similar script, showing strong upward momentum but needing to clear a critical technical hurdle. Soloway expects silver to briefly pull back to around $40 per ounce before resuming its powerful upward trajectory.

Soloway’s most pressing warning is directed squarely at the euphoric equity markets, particularly the technology sector fueled by the AI boom.

He argues that the current valuations in key tech areas are divorced from technical and fundamental reality. Specifically focusing on the semiconductor sector (tracked by the SMH ETF), Soloway projects a significant correction.

Soloway forecasts a 40% correction in semiconductors based on the current historical deviation from the 200-week moving average—a key technical benchmark for long-term health.

Soloway stresses that the euphoria driving the tech sector reflects excessive optimism that historically precedes sharp and painful downturns.

The overarching lesson from Soloway’s comprehensive analysis is unambiguous: diversification is not merely wise; it is essential financial defense.

In an environment where governmental scrutiny on digital assets is increasing, and systemic risks—including potential US dollar devaluation and expanding cyber threats—are intensifying, holding a diverse portfolio is paramount.

Soloway concludes by underscoring the enduring value of physical assets like gold and silver. In an age dominated by digital threats and fragile financial systems, these tangible holdings serve as the ultimate insurance policy against the unknown.

Staying ahead means understanding where the hype ends and the technical realities begin. Soloway’s data-driven outlook provides a crucial roadmap for investors seeking to protect and grow their capital through the inevitable market corrections ahead.

https://www.youtube.com/watch?v=Pn2xkAaUkho

Ariel: We were Not Supposed to Benefit from the Iraqi Dinar

Ariel: We were Not Supposed to Benefit from the Iraqi Dinar

11-19-2025

Why You Should Feel Fortunate: We Were Not Supposed To Benefit (Iraqi Dinar)

The IQD was never for the masses but forged as a private cabal conduit for the banking bloodlines, now tokenized on XRPL rails alongside XRP and XLM to bridge ancient wealth into ISO20022 quantum ledgers

Insider intercepts reveal Iraq’s “repatriated” Sadaam-era gold stash unrecorded 500+ tons buried in Babylonian vaults powers this silent RV, with Najaf summit pacts binding the dinar to BRICS gold-backed resets, rendering every held note a dormant behemoth in value.

In the shadowed vaults of 1932, when the Iraqi Dinar emerged from the ashes of Ottoman collapse under British mandate engineering, it was never birthed for the masses but as a precision instrument in the hands of the veiled architect families the Rothschilds, Rockefellers, and their interlocking kinships who threaded it into the Bretton Woods scaffold as a latent wealth reservoir.

Artificially pegged at 1 IQD to 4.86 USD through fiat illusions sustained by Sadaam Hussein’s iron- controls, amassing untraceable hoards of 500+ tons of Babylonian-sourced gold (buried in Najaf’s subterranean crypts, cross-verified via seismic anomalies in 2004 intercepts) that funneled petrodollar tributes back to London and New York clearinghouses, where each dinar note served as a tokenized proxy for off-ledger bloodline transfers, evading the Basel accords’ gaze while inflating colonial-era debts onto emerging nations.

This was no mere currency but a chimeric ledger, its value suppressed post-1990 sanctions not by war’s chaos but by deliberate de-pegging orchestrated through Coalition Provisional Authority edicts in 2003, which swapped “Swiss dinars” (elite-held, 1:1 parity relics) for “Sadaam dinars” diluted 1,000:1, ensuring the masses clutched worthless paper while the families’ vaults swelled with the real arbitrage trillions in phantom liquidity siphoned via black-market spreads that widened to 20% premiums

A engineered bleed that kept the dinar as their private guillotine, chopping sovereignty into compliant fragments for BRICS-adjacent oil barons and IMF puppeteers alike.

Read Full Article:   https://www.patreon.com/posts/why-you-should-143966589

https://dinarchronicles.com/2025/11/19/ariel-prolotario1-we-were-not-supposed-to-benefit-from-the-iraqi-dinar/

Seeds of Wisdom RV and Economics Updates Thursday Afternoon 11-20-25

Good Afternoon Dinar Recaps,

Metals Signal Early Stress as Demand Softens and Supply Controls Tighten

Industrial commodities reveal underlying strain in global manufacturing and trade.

Overview

• Base metals drifted lower this week, reflecting cautious sentiment and uncertainty around delayed U.S. economic data.

• The European Union announced plans to restrict aluminum scrap exports, moving toward tighter resource management.

• Commodity traders are increasingly pricing geopolitical and macro risk, not just supply-and-demand fundamentals.

• Industrial metals continue to serve as early indicators of shifts in global manufacturing momentum.

Key Developments

• Softening demand pressures copper and aluminum, particularly in regions tied to construction, tech, and power infrastructure.

• The EU’s export restrictions indicate a strategic move, prioritizing domestic processing capacity and supply-chain security.

• Traders are shifting toward defensive positions, awaiting clearer economic signals from the U.S.

• Real assets, including metals, are now moving in sync with global liquidity and currency conditions.

Why It Matters
Metals sit at the foundation of industrial power. Shifts in production flows, export rules, and demand patterns indicate that the real-economy side of the reset is accelerating.

Implications for the Global Reset

• Pillar – Commodity & Supply-Chain Reordering: Nations are beginning to lock down critical materials, anticipating deeper strategic competition.

• Pillar – Real-Asset Revaluation: Metals markets are entering a repricing phase tied to inflation, industrial demand, and geopolitical leverage.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• SkillFarm – “Metals Drift Lower as Markets Await U.S. Data”

• Morningstar – “EU Plans to Curb Aluminum Scrap Exports Next Year”

~~~~~~~~~~

Dollar Strengthens as Yen Weakens, Signaling a New Currency Crossroads

Global currency markets tighten as rising yields and fiscal pressures reshape FX dynamics.

Overview

• The U.S. dollar rose sharply this week, supported by rising yields and risk-off positioning.

• The Japanese yen slid toward multi-decade lows, raising speculation about potential intervention.

• Currency markets are reacting to policy uncertainty, data delays, and fiscal stress across major economies.

• BRICS de-dollarization efforts remain in the background, but structural pressures are steadily building.

Key Developments

• Dollar strength reflects renewed safe-haven demand, as tighter financial conditions ripple across markets.

• Yen weakness raises alarm, especially as Japan balances rising yields, fiscal expansion, and inflation management.

• Traders are bracing for potential coordinated action, especially if yen volatility intensifies.

• Long-term de-dollarization remains a systemic theme, even as the dollar asserts short-term dominance.

Why It Matters
Currency fluctuations now influence debt markets, trade balances, and geopolitical decisions. FX volatility is becoming a core mechanism in the emerging global reset.

Implications for the Global Reset

• Pillar – Currency Realignment: Market-driven FX moves are pushing nations toward new reserve strategies and intervention frameworks.

• Pillar – Monetary System Transition: The clash between short-term dollar strength and long-term de-dollarization highlights the structural shift underway.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Investopedia – “Markets Update: Dollar Strengthens as Yields Rise”

• Reuters – “Global Markets View: Yen Weakness Sparks Intervention Talk”

• Investing News – “BRICS Currency Developments”

~~~~~~~~~~

Saudi’s $1T U-Turn: Turning Away from BRICS, Building With the U.S.

Mohammed bin Salman boosts pledge to nearly $1 trillion in U.S., signaling a major pivot.

Overview

• Saudi Crown Prince Mohammed bin Salman (MBS) announced in Washington that the Kingdom will raise its U.S. investment plan from $600 billion to nearly $1 trillion. 

• This comes during a White House visit, where MBS and U.S. President Donald Trump reiterated strategic deals in technology, AI, and critical minerals (“magnets”). 

• The scale of this pledge weakens BRICS’ attempt to court Saudi Arabia as a major new financial partner.

• Saudi Arabia’s Vision 2030 — its strategy to diversify beyond oil — aligns tightly with the types of sectors named in the investment commitment.

Key Developments

• A $400 billion increase: The Kingdom is boosting its previously announced $600B investment by adding another ~$400B, according to MBS. 

• Broad sector commitment: Investments are earmarked for tech, AI, and “magnets” — a likely reference to rare earths or other strategic materials. 

• Geopolitical pivot away from BRICS: Despite being invited to join BRICS, Saudi Arabia appears to be doubling down on its relationship with the U.S. instead of aligning with the bloc.

• Skeptics question the realism: Some analysts point out that the $1 trillion figure may be aspirational, noting prior commitments were unclear or partially symbolic. 

Why It Matters
This is more than a big investment headline — it’s a structural signal. Saudi Arabia is choosing deep alignment with the U.S. over a geopolitical shift toward BRICS, undermining the bloc’s leverage and reshaping the economic architecture of the Global Reset.

Implications for the Global Reset

• Pillar – Geoeconomic Diplomacy: Saudi Arabia is playing a decisive role in the emerging architecture, choosing strategic U.S. investment over BRICS integration.

• Pillar – Real-Asset & Capital Flow Re-ordering: A committed $1 trillion into U.S. sectors like AI and strategic minerals could reshape power balances in technology and natural resources.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• CBS News – “MBS tells Trump Saudis will increase investments in U.S. to near $1 trillion”

• Bloomberg – “Saudi Arabia’s MBS Says Will Boost U.S. Investments to $1 Trillion”

• Middle East Monitor – “Saudi Arabia to invest $1T in US: Crown prince”

~~~~~~~~~~

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10 Harsh Money Lessons That You Never Learned in School

10 Harsh Money Lessons That You Never Learned in School

By Martin Dasko / STUDENOMICS

“They should teach personal finance in college.”

“I wish I learned more about money in school instead of studying all that useless stuff.”

I’ve seen a variation of this message on social media over the years. Personal finance is one of those topics that we have to figure out on our own as we go through life, and it can be highly frustrating. This is why I wanted to look at what you likely weren’t taught about money as a high school or college student that you should know.

Here’s what college and high school never taught you about money that you need to know.

Money lessons you didn't learn in school

I can’t tell you how many times a reader or friend complained about how they learned nothing about finances in school. You have to figure out credit scores, mortgages, credit cards, investing, retirement planning, budgeting, being able to afford a Friday night with soaring inflation, and career advancement all on your own.

You don’t learn much about personal finance and money management as you go through the education system. You go from trying to get by as a broke college student to being thrust into the real world, where you suddenly have to worry about paying your bills, all while trying to figure out how to balance between saving for your retirement one day and trying to afford all of these weddings that you have to attend.

Let’s go over what every young person should learn about money right now that you probably won’t learn in college or high school. These are ten money lessons that should be taught to all young people.

Lesson #1: The World Is Designed To Separate You From Your Money.

“I firmly believe that everything in this world is designed to separate you from your money.”

An economics professor dropped this gem on us one morning (so I technically learned this in college). Since hearing this, I can’t stop thinking about it because it’s accurate. He described how everything is happening around us to take our money.

There will always be something to spend money on. You can’t scroll social media for more than two seconds without being sold something. There are ads for everything, and the ads are targeted to promote something you likely discussed an hour earlier or thought of in your mind.

What can you do about this?

Save first. Always pay yourself first. Have money automatically come off your paycheck. Don’t attempt to save when you don’t spend after getting paid. Save first.

Hide/lock your money. I call this the Houdini System. I hide my money in an investment account and ensure I cannot access it.

Stop saving your credit card details with every online retailer. It’s ridiculously easy to spend money these days. Don’t save your credit card information with Amazon. You don’t always need everything delivered to you in minutes.

Set priorities. I’ve learned that you can have anything you want, but you can’t have everything you want.

Whatever you do, never rely on willpower. Hide your money and set it aside. The world is designed to take your money from you. On top of finding ways to keep more of your money, you also have to ensure that you don’t get scammed. The video below covers this…

https://www.youtube.com/watch?time_continue=15&v=C0BfZKUKIVY&embeds_euri=https%3A%2F%2Fwww.studenomics.com%2F&source_ve_path=Mjg2NjY&feature=emb_logo

Lesson #2: You Must Figure Out Where Your Money’s Going.

“I have no idea where my paychecks go.”

I’ve heard this from many friends over the years, and it’s always startling. I understand why this happens, though. Life comes at you fast, and everything that you want to do is expensive. Suddenly, you’re a week removed from payday and have no idea where your money went.

You don’t have to track every penny, but knowing where your money’s going is essential. You don’t want to be confused as to why you’re broke. You have to figure out where your money’s going.

How do you figure out where your money’s going?

TO READ MORE:  https://www.studenomics.com/after-college/money-school/

Jon Dowling: NESARA-GESARA and Great Wealth Transfer Updates with Zester

Jon Dowling: NESARA-GESARA and Great Wealth Transfer Updates with Zester, November 2025

11-20-2025

Ever feel like the financial world is constantly shifting beneath your feet? Between rapid technological advancements and whispers of systemic change, it can be hard to keep up.

Recently, on the Jon Dowling podcast, a compelling conversation unfolded featuring Zester, a blockchain and cryptocurrency expert with nearly a decade of experience, who brought invaluable insights to the table.

This wasn’t just theory; it was about the very foundations of our financial future, and what we need to know to navigate the coming transformation.

Zester began with a foundational refresher on blockchain technology, cutting through the jargon to explain its core power: a decentralized, immutable ledger that promises transparency and efficiency. But this isn’t just about future tech; it’s about what’s happening now.

The big looming date? November 22, 2025, and the imminent implementation of the ISO 20022 messaging standard.

 Zester stressed that this is a critical development for traditional banking. Crucially, he clarified a common misconception: ISO 20022 is a messaging standard, not a cryptocurrency or a token. 

It’s about how financial institutions talk to each other globally, paving the way for faster, more transparent, and more efficient transactions. This standard is set to accelerate blockchain adoption within traditional finance significantly.

But technology alone isn’t enough. The U.S. legislative landscape is playing catch-up, with the Clarity Act serving as a crucial precursor to the anticipated Bitcoin Act.

Zester emphasized this bill’s vital role in establishing foundational rules and protections for cryptocurrency, mainstreaming it for the future financial system. He made it clear: these legislative steps are essential groundwork, setting the stage before the full adoption of blockchain-based financial systems and the expected revaluation of gold and precious metals.

Perhaps the most impassioned segment of the discussion revolved around Zester’s critique of current financial instruments. Naked shorting, leveraged trading, and derivatives were called out as fundamentally harmful and even “illigal” practices.

His argument is clear: these instruments don’t produce intrinsic value; instead, they primarily redistribute wealth from retail investors to financial institutions, creating systemic risk.

So, what does this all lead to? A profound financial transformation.

The podcast episode highlighted the anticipated acceleration of blockchain adoption in banking (thanks to ISO compliance), the rising popularity of crypto-related ETFs, and the historical suppression of precious metals like gold and silver, which Zester believes will gain their true value once the new financial system is established.

Zester eloquently used the metaphor of building a “field of dreams” – a description of the painstaking legislative and technological groundwork being laid today.

 This groundwork is necessary before the financial system reset can be fully realized and truly benefit everyone, not just a select few.

Zester’s commitment extends beyond analysis; it’s about public education. Through his online platforms, he stresses the importance of knowledge and preparation for the coming financial transformation.

 This isn’t a passive event; it’s a transition that requires collective understanding and effort to navigate with minimal harm.

The Jon Dowling podcast episode with Zester offers a potent blend of foundational knowledge, urgent warnings, and a hopeful yet realistic vision for the future of finance.

The financial reset isn’t just coming; it’s being built, brick by digital brick and legislative act by legislative act.

For a deeper dive into these critical insights and to fully grasp the nuances of this impending transformation, be sure to watch the full video from Jon Dowling. Your financial future may depend on it.

https://youtu.be/WGLCx62w4So

https://dinarchronicles.com/2025/11/20/jon-dowling-nesara-gesara-and-great-wealth-transfer-updates-with-zester-november-2025/

News, Rumors and Opinions Thursday 11-20-2025

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

RV Excerpts from the Restored Republic via a GCR: Update as of Thurs. 20 Nov. 2025

Compiled Thurs. 20 Nov. 2025 12:01 am EST by Judy Byington,

Judy Note: The below is a compilation of opinions on the rollout of the Restored Republic and new Global Financial System. Please treat as rumor as the Intel changes daily, sometimes hourly, or even by the minute, plus only a select one or two were authorized to expose certain details or the exact timing:

The long-awaited RV release codes have (allegedly) been entered. NESARA/GESARA protocols are (allegedly) executing in real time, initiating total debt jubilee—every mortgage, credit card, student loan, and unjust financial burden forgiven by divine decree. Payouts in the trillions (allegedly) flow now through secure QFS accounts, protected from all Cabal interference.

This is the moment the prophets foresaw—the return of stolen wealth to the people, the restoration of sovereignty, and the dawn of the Golden Age. As the old Babylonian money magic collapses forever, a new era of prosperity anchored in truth and righteousness rises in its place. The meek truly inherit the earth, for the Kingdom of Heaven manifests through these sacred financial channels.

The long-awaited Global Currency Reset and full activation of NESARA/GESARA now (allegedly) stand at the threshold of public manifestation. Multiple bonded sources confirm that Tier 1 and Tier 2 payouts have completed processing, with trillions in prosperity funds unlocked and flowing securely through the Quantum Financial System.

On or about November 20, GESARA will (allegedly) begin enforcing universal debt forgiveness, wiping clean mortgages, credit cards, student loans, and medical debt for all citizens under the Restored Republic.

Saturday, November 22 the old SWIFT system(allegedly)  officially expires.

Redemption centers worldwide are on highest alert, with notifications for Tier 4b (the Internet Group) expected no later than Tues. 25 Nov. when Redemption Centers (allegedly) officially open.

Seized Cabal assets are already (allegedly) being redistributed into individual QFS accounts, preparing for the greatest wealth transfer in human history. The Iraqi Dinar leads the revaluation wave, followed by Zim at(allegedly)  1:1 parity and the Vietnamese Dong under the new BRICS gold-backed structure.

By Thanksgiving, November 27, President Trump is (allegedly) scheduled to formally announce the return to the gold standard and the full launch of our sovereign Restored Republic.

The time of reckoning is upon us. Hold fast to faith. The best is yet to come.

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Wed. 19 Nov. 2025 THE WORLD IS HOLDING ITS BREATH FOR THE CROSSING INTO 2026 – Nesara Gesara QFS

WHEN THE CLOCK STRIKES THE NEW YEAR, THE WORLD WILL NOT JUST CELEBRATE A DATE. IT WILL CROSS INTO A NEW STRUCTURE. DEBT SYSTEMS COLLAPSE. DIGITAL ID GRIDS SPLIT. QFS MIRROR NODES ACTIVATE. THE POWER OF NATIONS REARRANGES INSTANTLY, WHETHER THE PUBLIC IS READY OR NOT.

Read full post here:  https://dinarchronicles.com/2025/11/20/restored-republic-via-a-gcr-update-as-of-november-20-2025/

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

Walkingstick  Question: "What do you think about the statement Sudani made when he said, 'in the 4th quarter of 2025 we will bring you your purchasing power to your currency, we will add value to it'?"  It has to be voted on.  That's what they're doing...He didn't lie...They're voting on the 2025 budget and everything that's in that '25 will be reflected  in the '26 which is the new exchange rate.  Because the budgets are voted on before the new year.  You're seeing '25 activating the new exchange rate and you're going to see '26 show the new exchange rate.

Militia Man   The need is to get the rate ready first and then pass the laws because it's going to be cheaper for them to do so.  When they pass these laws it is going to be far cheaper to the country of Iraq than they would be if they were today.  In other words, the plan would be to make it cheaper, more stable, make the system work better for Iraq...The architects of this have been brilliant.  I'm fascinated on how well they've done...The last 72 hours the elections have been done, banking rails are live, they're making fuel at home, Gold and reserves are higher than advertised...BIS application filed and accepted for review...Things are working quietly in the background...Alaq has the legal button in his hands.  Let's hope he pushes it.

Frank26   [Iraq boots-on-the-ground report]    Omar: Iraq's economic plan summary Oliver Wyman August:  In 2024 to 2025 collaboration and preparation phase with the international partners.  In 2026 official implementation phase kicks off. Then they say from 2026 to 2028 is the expected timeline for the currency value to increase as part of the broader economic stability and growth strategy.  FRANK:  That's the float!  All of this is in the Oliver Wyman report?  ...I'm stunned.  I'm shellshocked.  I'm extremely surprised.  No wonder Sudani said, 'In the forth quarter.' No wonder he said all the things he's saying because everything Sudani said is in this report.

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You Won’t Believe What the Fed Just Secretly Revealed

Goerge Gammon:  11-10-2025

https://www.youtube.com/watch?v=dYB3s4B3x2U

“Tidbits From TNT” Thursday 11-20-2025

TNT:

CandyKisses:  US delegation to visit Baghdad soon with messages from the White House

twilight News- Baghdad

He unveiled something.  An Iraqi diplomatic source on Wednesday announced the upcoming visit of a US delegation to the capital Baghdad To deliver messages from the White House administration regarding Iraqi files.

He said The source told Shafaq News Agency, "A delegation of American political figures will soon visit Baghdad with messages from Washington to All partners in the political process in Iraq."

"The upcoming U.S. visit is a confirmation of for Washington's interest in what is happening in Iraq."

and witness U.S.-Iraq Relationship: Diplomatic Stalemate Since Donald Trump Took Office The position, as communication and meetings were limited to the Chargé d'Affaires of the U.S. Embassy in Baghdad, Stephen Fagen, and a single call received by Prime Minister Mohammed Shia al-Sudani, from a minister Foreign Affairs Marco Rubio.

Last August, however, a high-ranking U.S. delegation visited Baghdad, the Iraqi capital, to discuss a number of files with Iraqi officials.

According to An informed source who spoke to Shafaq News Agency at the time said that the delegation discussed the US withdrawal file from its main bases in Iraq and the repercussions of this, in addition to an economic and other file related to Powered.

Loyal On October 19, US President Donald Trump decided to appoint Mark Safaya as Special Envoy for Iraq.

He wrote Trump on his platform "Truth Social" and followed by Shafaq News Agency, saying that "Mark has a deep understanding of Iraq-U.S. relations, and his extensive connections in the The region, will contribute to advancing the interests of the American people."

Wasfaya He is an American businessman of Iraqi (Chaldean/Assyrian) origin from the state of Michigan. He has emerged in recent years with his support for Trump's election campaign and his moves among Middle Eastern Communities in the United States

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Tishwash:    The National Bank of Iraq announces the completion of its transition to the new global standard, SWIFT MX.

The National Bank of Iraq announced the completion of its transition to the new global standard SWIFT MX for financial messages, a step that marked a significant milestone in the bank's technological infrastructure modernization and enhanced readiness for digital transformation.

The bank said in a statement, “The implementation of this transformation comes as part of the bank’s transition from the old MT standard to the MX ISO 20022 model, which is the most advanced, structured and data-rich framework in the global financial messaging sector.

The transformation process was carried out across all operational channels with high efficiency and minimal downtime, reflecting the bank’s strong technical readiness, accurate planning, and commitment to providing its services without any significant interruption.” 

He pointed out that “this transformation is an advanced step within the strategic roadmap of the National Bank of Iraq to modernize its systems, enhance its compatibility with global best practices, and provide an advanced digital banking experience for its individual and corporate clients.” 

The statement quoted Aqeel Ezzedine, Chief Operating Officer and Deputy CEO of the National Bank of Iraq, as saying that “the smooth transition to the MX standard is the result of a robust system of governance, teamwork and careful planning, and represents an important step in modernizing the payments infrastructure and enhancing the reliability and security of banking operations.” 

Hani Khalil, head of the transformation department at the National Bank of Iraq, said, according to the statement, that “the completion of this transformation embodies the bank’s commitment to keeping pace with the latest international standards in payment systems, and building a more transparent, integrated and high-quality financial data structure, which enhances customer experience and strengthens the bank’s position within the regional financial system.” 

The MX standard enables a more accurate and richer exchange of information in financial messages, with substantial improvements in transaction tracking and identification of parties, supporting global trends towards greater efficiency and transparency in payments.

Since the new system came into effect, the bank has not recorded any significant problems, which confirms the success of the implementation process and the close coordination between the transformation, IT and operations teams, in addition to effective cooperation with partners and regulatory authorities.  link

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Tishwash:  The oil and gas law: Kurdish priorities in the Iraqi government formation negotiations.

Following the election results and the announcement of the number of seats won by the Kurdish blocs in the Iraqi parliament, attention is now focused on the Kurds' objectives for the next phase and their future plans.

President Masoud Barzani called for the implementation and enactment of five key laws, most notably amending the election law, implementing Article 140 of the constitution, and enacting the long-stalled oil and gas law, which has been stalled for nearly two decades. He

also reiterated his call for Kurdish political forces and parties to proceed with forming the new Kurdistan Regional Government.

In his address, Barzani stated that after 2003 and the fall of Saddam Hussein's regime, a golden opportunity presented itself, and the political process was built upon three principles: balance, consensus, and equality. He added that in 2005, the country's permanent constitution was ratified.

Despite some shortcomings, it is considered one of the best constitutions in the region, promising a bright future. This constitution, he emphasized, must be respected as it will usher Iraq into a new era by regulating its relations with regional and international partners.

The passage of the oil and gas law is considered a solution to most of Kurdistan's problems and a crucial step towards resolving outstanding financial issues and unifying oil policies between the federal government and the Kurdistan Region. Among these issues are the deep and persistent disagreements over energy resource management, which have prevented the law's enactment.

These disagreements have led to the law's failure to pass. The unresolved problems between Baghdad and Erbil include issues such as the oil and gas contracts signed by Kurdistan, which have resulted in legal disputes between the Iraqi Ministry of Oil and the regional government.

 Meanwhile, former Patriotic Union of Kurdistan (PUK) MP Gharib Ahmed asserts that most of the outstanding problems between Baghdad and Erbil stem from the lack of an oil and gas law. Speaking to Al-Mada, he emphasized that "passing the law will contribute to resolving the most significant challenges, namely oil exports, the payment of employee salaries, and the economic problems that have plagued Kurdish citizens for years." 

He pointed out that "the disagreements between the federal government and the Kurdistan Regional Government have prevented the law's passage and its submission by the federal cabinet for parliamentary approval." 

The Kurdistan Region experienced a severe financial crisis as a result of the federal Ministry of Finance's withholding of employee salaries, accusing the regional government of failing to remit non-oil revenues and of not fully delivering oil to the State Oil Marketing Organization (SOMO). Months ago, the federal government and the Kurdistan Regional Government reached a historic agreement that allowed the region to resume oil exports through the Turkish port of Ceyhan. 

Although the federal government began disbursing salaries to employees in the region, delays persist, with Baghdad and Erbil exchanging accusations regarding who is responsible. Meanwhile , Sabah Hassan, a member of the Kurdistan Parliament from the Kurdistan Democratic Party (KDP), indicated that passing the oil and gas law is the solution to the problems between Baghdad and Erbil.

 In an interview with Al-Mada, Hassan stated, "The solution to the problems between Baghdad and Erbil, and the crisis that recurs monthly, is the passage of the oil and gas law in Parliament, which will guarantee everyone their rights."

He added, "The salary problem has persisted for 10 years, and there is a deliberate effort by some political entities to create problems. The optimal solution to these recurring crises lies in passing the oil and gas law, as it will provide a comprehensive solution. All agreements between Baghdad and Erbil are temporary and are not adhered to by the federal government."

He emphasized that "the oil and gas law is based on a constitutional provision and article, but some political blocs are shirking their responsibility to implement this article because it pertains to the Kurdistan Region, just as they have shirked their responsibility to implement Article 140 of the Iraqi Constitution."

In Erbil, Deputy Prime Minister of the Kurdistan Region, Qubad Talabani, received a delegation from the US-Kurdistan Business Council, headed by its president, David Tvorey. The two sides discussed several issues of mutual interest.

The Deputy Prime Minister indicated that "we support the swift passage of the oil and gas law during the new session of the Iraqi Parliament, which will contribute to resolving the disputes between the region and Baghdad in accordance with the Constitution and the relevant powers, and in a manner that respects the special status of the Kurdistan Region."

The oil and gas law is one of the most prominent outstanding issues, with disagreements resurfacing with each parliamentary session without reaching a final settlement that satisfies all parties.

Regarding he revitalization of the economy, economic expert Salar Aziz believes that the oil and gas law can only be passed by prioritizing it in the negotiations to form the Iraqi government.

In an interview with Al-Mada, he explained, "This issue must be a top priority in negotiations between the Kurdish, Shia, and Sunni parties to ensure its passage during this session. This requires unity among the Kurdish parties on this matter, speaking as a unified voice, so they can form a force to be reckoned with."

He added, "Passing the law will contribute to improving the region's economy, ending the salary crisis, operating refineries and gas plants, and utilizing the untapped oil reserves in the region's fields. link

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Mot: . Its a Marital Thingy!!!! 

Mot:  I Do NOT Want a Dog!!!! 

Seeds of Wisdom RV and Economics Updates Thursday Morning 11-20-25

Good Morning Dinar Recaps,

Surging Bond Yields Signal a Brewing Financial Squeeze

Global markets tighten as shifting rate expectations pressure governments, lenders, and credit systems.

Overview

• Long-term U.S. Treasury yields continue climbing, reflecting diminished expectations of near-term Federal Reserve rate cuts.

• Japan’s long-dated government bond yields have spiked to multi-decade highs, driven by fears of aggressive fiscal expansion.

• Global borrowing costs are rising simultaneously, creating stress points in sovereign, corporate, and banking balance sheets.

• Delayed U.S. economic data adds uncertainty, forcing markets to price risk with incomplete information.

Key Developments

• Federal Reserve expectations shifted sharply, with markets now projecting far fewer chances of a rate cut in December.

• Japan’s fiscal plans triggered investor concern, pushing yields meaningfully higher and signalling potential credit-rating and currency pressures.

• Cross-market tightening is accelerating, with U.S. yields rising, the dollar strengthening, and credit conditions firming globally.

• Regulators and central banks face new challenges, as rising yields expose vulnerabilities in banks, shadow lenders, and derivative markets.

Why It Matters
Tightening financial conditions are a core driver of global realignment. Higher yields increase debt-service burdens, slow growth, and raise systemic-risk potential — all foundational to a global restructuring of money, credit, and capital flows.

Implications for the Global Reset

• Pillar – Credit & Debt Realignment: Rising borrowing costs push nations and institutions toward restructuring, refinancing, or new liquidity backstops.

• Pillar – Monetary Policy Breakpoint: Markets are signalling the end of ultra-loose policy, accelerating the transition toward a new monetary framework.

This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Global Markets: Investors Scale Back Fed Cut Expectations”

• Financial Times – “Japan’s Borrowing Costs Hit Multi-Decade Highs”

• Investopedia – “Market Update: Yields Rise as Rate Bets Shift”

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Geopolitical Fault Lines Shift as Fiscal and Currency Pressures Rise

Domestic economic stress is now bleeding into diplomatic decisions and peace negotiations.

Overview

• Japan’s surge in long-term borrowing costs is sparking international concern over future fiscal stability.

• The yen’s renewed weakness is reviving discussions about coordinated currency intervention.

• Reports of a newly circulated U.S. peace framework for Ukraine have intensified debates over territorial concessions and military posture.

• Economic and diplomatic pressures are increasingly co-mingling, shaping negotiations and alliances.

Key Developments

• Japan’s fiscal agenda is sending shockwaves abroad, as higher yields complicate its defense, social, and diplomatic commitments.

• Currency volatility is re-entering geopolitics, with the yen's slide nearing levels that historically prompt multilateral action.

• The reported U.S. peace outline for Ukraine signals a shift toward economic and territorial pragmatism, rather than a purely military solution.

• Diplomatic coordination is becoming more financially driven, especially across the G7 and EU.

Why It Matters
Geopolitical alignments are increasingly dictated by economic constraints. Fiscal risk, currency instability, and war negotiations now intersect directly with the emerging global restructuring.

Implications for the Global Reset

• Pillar – Geoeconomic Diplomacy: Nations are recalibrating foreign policy through the lens of debt, currency stability, and economic leverage.

• Pillar – Risk & Contagion: Diplomatic shocks can trigger financial spillovers, especially where conflict, inflation, and currency instability overlap.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Financial Times – “Japan’s Borrowing Costs Hit Multi-Decade Highs”

• Reuters – “Global Markets View: Currency Pressure Mounts Ahead of Talks”

• Reuters – “Reports Surface of New Ukraine Peace Framework”

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Markets Reprice Risk as Tech Volatility Spreads Across Global Equities

AI-driven optimism meets macroeconomic uncertainty, driving sharp swings across sectors.

Overview

• Nvidia’s latest earnings beat briefly boosted global markets, calming fears of an AI-valuation bubble.

• Earlier losses across U.S. indexes highlighted fragility, with investors bracing for delayed economic data.

• Stronger U.S. Treasury yields and a firmer dollar complicated the bullish equity narrative.

• Cross-asset volatility is tightening, pulling equities, yields, and FX into the same macro channel.

Key Developments

• Tech valuations remain under the microscope, as investors debate whether AI-driven market gains are sustainable.

• The week’s earlier sell-off revealed structural fragility, not merely headline-driven nerves.

• Rising yields are exerting pressure on risk assets, creating tension between growth expectations and financial conditions.

• Markets increasingly trade in lockstep, suggesting a broad system repricing rather than sector-specific movements.

Why It Matters
Markets are reflecting deep realignments beneath the surface. When equities, yields, currencies, and tech valuations shift simultaneously, it indicates structural change within the global financial architecture.

Implications for the Global Reset

• Pillar – Asset Repricing: Tech-led volatility is signaling the early stages of a broader, multi-asset valuation reset.

• Pillar – Risk Premium Reset: Investors are redefining acceptable risk levels as liquidity tightens and macro uncertainty grows.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• The Guardian – “Markets Rally After Nvidia’s Strong Results”

• Reuters – “Global Markets Under Pressure Ahead of Data Releases”

• Reuters – “U.S. Markets Reassess Fed Expectations”

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Thursday Morning 11-20-25

Carrying Messages From The White House, A US Delegation Will Visit Baghdad Soon

Political | 07:02 - 19/11/2025   Mawazin News - Baghdad:  An Iraqi diplomatic source revealed an upcoming visit by a US delegation to Baghdad to deliver messages from the White House regarding Iraqi issues.

The source stated that "a delegation comprising American political figures will visit Baghdad soon, carrying messages from Washington to all partners in the Iraqi political process."  He added that "the anticipated US visit confirms Washington's interest in what is happening in Iraq."

Relations between the United States and Iraq have been strained diplomatically since Donald Trump took office, with communication and meetings limited to the US Chargé d'Affaires in Baghdad, Steven Fagin, and a single phone call received by Prime Minister Mohammed Shia al-Sudani from Secretary of State Marco Rubio.

However, last August, a high-level US delegation visited Baghdad to discuss a range of issues with Iraqi officials.

According to a well-informed source, the delegation discussed the US withdrawal from its main bases in Iraq and its repercussions, in addition to economic and energy matters.

On October 19, US President Donald Trump appointed Mark Savaya as Special Envoy to Iraq.
Trump wrote on his Truth Social platform that "Mark's deep understanding of the relationship between Iraq and the United States, and his extensive connections in the region, will contribute to advancing the interests of the American people."

Savaya, an American businessman of Iraqi (Chaldean/Assyrian) descent from Michigan, has risen to prominence in recent years through his support for Trump's presidential campaign and his outreach to Middle Eastern communities in the United States.   https://www.mawazin.net/Details.aspx?jimare=270511

The Iraq Stock Exchange Traded More Than 10 Billion Dinars Last Week

Economy |  18/11/2025   Mawazin News - Baghdad:  The Iraq Stock Exchange announced that trading volume last week exceeded 10 billion dinars, with significant activity encompassing the majority of listed companies.

In its weekly report, the exchange explained that "63 listed companies saw their shares traded during the week, while 28 companies' shares did not trade due to discrepancies between buy and sell orders. Trading remained suspended for 13 companies out of a total of 104 listed companies due to their failure to submit the required disclosures.

" The report  added that "the number of shares traded reached 22.234 billion, representing a 700% increase compared to the previous week, with a total value of 10.622 billion dinars, a 63% increase, across 3,358 transactions."

It also noted that "the ISX60 index closed at 960.15 points, marking a 1.65% increase from the previous close."

He confirmed that “the transactions of non-Iraqi investors witnessed the purchase of 31 million shares worth 66 million dinars through 13 deals, compared to the sale of 101 million shares worth 207 million dinars through the execution of 109 deals.”    https://www.mawazin.net/Details.aspx?jimare=270459 

Rapidly Widening Deficit And Dwindling Reserves… Warnings Paint The Most Dire Picture Of The Iraqi Economy In Years

Economy | 19/11/2025   Mawazin News – Special Report   : Economic expert Manar al-Ubaidi warned that the Iraqi economy is entering its most critical phase in years, amidst escalating political turmoil and the clamor of electoral alliances. He pointed out that current financial indicators reveal a worrying reality that requires urgent intervention and bold decisions.

Al-Ubaidi told Mawazin News, "According to the Ministry of Finance's data for August 2025, total revenues reached 82 trillion dinars, including 73 trillion dinars from oil sales, compared to only 9 trillion dinars from non-oil revenues. This reinforces the continued reliance of the budget on oil revenues by more than 90%."

In contrast, public spending reached 87.5 trillion dinars, including 73 trillion dinars in operational expenses, in addition to 5 trillion dinars paid as government advances, which are usually included in actual expenditures at the end of each year. This raises the real deficit to approximately 10 trillion dinars by the end of August.

According to Al-Ubaidi, estimates indicate that the deficit could exceed 15 trillion dinars by the end of the current year if spending continues at the same pace.

Regarding monetary policy, data from the Central Bank of Iraq reveals that the bank purchased only about $49 billion from the Ministry of Finance during the first nine months of the year, while selling more than $60 billion through the currency window. This forced the bank to use about $11 billion of its reserves to meet the increasing demand for dollars, a dangerous indicator reflecting deep imbalances in the market.

This financial drain coincides with oil prices remaining within the range of $60-65 per barrel, a level insufficient to cover inflated operational expenses. This means, according to Al-Ubaidi, that the current government, as well as the next one, may face real difficulty in fulfilling salary and subsidy obligations unless urgent measures are taken to increase [the budget/funds/etc.]. Revenues and spending rationalization.

The expert also points out that "the option of resorting to borrowing will not be readily available, especially after the internal debt exceeded 90 trillion dinars, and the local market's ability to absorb more debt instruments has declined, making the options available to the government narrower than ever before."

Al-Ubaidi believes that "real reform begins with a thorough review of public spending schedules down to the smallest expenditure items, focusing on the issues of financial waste, ghost salaries, pensions, and social welfare, which drain billions annually, with a significant portion going to those not entitled to them or being exploited for electoral purposes."

He also emphasizes the need to reassess the food ration card system, drug subsidies, and other support programs to ensure their efficiency and achievement of their objectives.

The economist summarizes that "Iraq stands today at a critical financial crossroads, coinciding with the possibility of a delay in approving next year's budget due to the formation of the new government, which could push the country towards an 'ambiguous' fiscal year without a clear spending ceiling," stressing that "the crisis is no longer just figures in official data, but a real danger threatening the state's ability to continue paying its salaries and obligations," warning that delaying reform will lead to Coercive measures that affect the poor citizen even more than the employee." https://www.mawazin.net/Details.aspx?jimare=270485

Economist: Concerns About A Possible Change In The Exchange Rate With The Formation Of The New Government

Economy | 19/11/2025   Mawazin News - Baghdad:   Economic researcher Diaa Abdul Karim believes there is anticipation and apprehension among the Iraqi public regarding a potential decision by the incoming government to change the exchange rate of the dollar against the dinar.

Abdul Karim stated, "Previous governments have altered the exchange rate, and this has negatively impacted the Iraqi people, particularly individuals and their cost of living."

He added, "Changing the exchange rate to devalue the dinar means a general rise in prices, which is a source of concern for Iraqi citizens who have become accustomed to such decisions with the formation of new governments."

He emphasized the urgent need for assurances from those leading the political process, or the largest bloc, clarifying the nature of the government's program for the upcoming phase: whether it includes a change in the dinar's value against the dollar or maintaining the current status quo.   https://www.mawazin.net/Details.aspx?jimare=270471

Gold Prices Are Rising... How Much?  

Economy |  19/11/2025   Mawazin News - Follow-up:   Gold prices rose on Wednesday as investors awaited the minutes from the Federal Reserve's latest monetary policy meeting and the US jobs report, which could shed further light on the path of interest rates.

Spot gold rose 0.2% to $4,074 per ounce at 04:49 GMT, while US gold futures for December delivery also climbed by the same percentage to $4,074.40 per ounce.

Tim Waterer, senior market analyst at KCM Trade, said, "Gold's momentum has been somewhat dampened by the stronger dollar and uncertainty surrounding the timing of the Fed's next interest rate cut."

He added, "However, a wave of risk aversion in the market has kept gold in the investor's safe-haven interest rate circle, limiting the decline."

The dollar index rose 0.1% against a basket of major currencies. A stronger dollar makes gold more expensive for holders of other currencies.

Global stock markets fell sharply this week, with the S&P 500 posting a four-day losing streak amid concerns about the valuations of artificial intelligence stocks.

Investors are now awaiting the minutes from the Federal Reserve's latest meeting, due later today, and the September non-farm payrolls report, due tomorrow, Thursday, after being delayed due to the U.S. government shutdown.

Economists polled by Reuters expect the report to show employers added 50,000 jobs during the month.

Data released Tuesday showed that the number of Americans receiving unemployment benefits hit a two-month high in mid-October.

The U.S. central bank has cut interest rates by 25 basis points, but Chairman Jerome Powell has expressed caution about any further rate cuts this year, citing several reasons, including a lack of data.

As for other precious metals, silver rose 0.4% to $50.90 an ounce in spot trading, platinum fell 0.2% to $1,533.82, and palladium gained 0.6% to $1,409.19.   https://www.mawazin.net/Details.aspx?jimare=270475

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

MilitiaMan and Crew: Update-Mirror on the Wall-Swift MX (ISO 20022)-INB

MilitiaMan and Crew: Update-Mirror on the Wall-Swift MX (ISO 20022)-INB

11-19-2025

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=HH0n5K4m1Ck

FRANK26….11-19-25…..MOVING FORWARD

KTFA

Wednesday Night Video

FRANK26….11-19-25…..MOVING FORWARD

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=ThsK6_5seHQ