Seeds of Wisdom RV and Economics Updates Wednesday Morning 12-10-25

Good Morning Dinar Recaps,

Markets Hold Their Breath as Fed Signals a Pivotal Shift
Investors brace for one of the most consequential rate decisions in years

Overview

• Markets paused as global traders awaited the Federal Reserve’s next rate decision.

• Treasury yields and the U.S. dollar edged higher, signaling investor caution.

• Fed guidance for 2026 looms large, with markets focused on the future path more than the cut itself.

• Volatility expectations increased, reflecting uncertainty around policy, inflation, and growth.

Key Developments

• Markets Stall Ahead of Fed Decision
Major equity indexes held flat or slipped slightly on Tuesday as traders positioned defensively before the U.S. central bank announcement. Investors treated the day as a holding pattern, anticipating clarity on the Fed’s direction into 2026.

• Treasury Yields and U.S. Dollar Tick Up
Bond markets reflected a mild risk-off tone, with yields rising and the dollar strengthening. These moves signaled expectations that the Fed may strike a cautious stance despite cooling inflation.

• One of the Most Contested Fed Meetings in Years
Analysts describe this meeting as unusually critical — not simply for the expected rate cut, but for the tone, forecasts, and forward guidance. The Fed’s messaging will determine how aggressively markets price 2026 policy moves.

• Market Sensitivity Heightens Ahead of Guidance
Traders are focused on how the Fed balances growth concerns, inflation stickiness, and election-year dynamics. Futures markets are pricing different scenarios, adding to heightened short-term volatility.

Why It Matters

The Fed’s decision will shape global liquidity, bond pricing, currency strength, and capital flow patterns headed into 2026. With geopolitical tensions rising and global debt at record highs, even subtle shifts in Fed policy can trigger ripple effects across emerging markets, commodities, and risk assets worldwide.

Implications for the Global Reset

Pillar 1: Central Bank Power Recalibration
The Fed’s forward-looking stance signals how the U.S. intends to manage liquidity as other global blocs — especially BRICS — expand non-dollar settlement systems. Rate policy becomes a tool of geopolitical influence.

Pillar 2: Market Repricing Across Asset Classes
Treasury yields and the dollar are the backbone of global finance. A shift in Fed trajectory forces sovereign funds, banks, and corporations to rebalance, accelerating structural changes already underway in global capital markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Markets pause ahead of highly contested Federal Reserve decision”

• Reuters – “Treasury yields, U.S. dollar inch higher as traders await Fed guidance”

• MarketWatch – “Investors brace for Federal Reserve’s 2026 outlook amid rising volatility”

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BRICS Surges Ahead of G7 With 2026 Growth Forecasts Shaping a New Global Order
Emerging economies outpace the West as demographic strength and expansion strategies shift financial power

Overview

• BRICS nations lead global growth projections for 2026, outpacing every G7 country.

• Developing economies demonstrate structural strength, while Western economies stagnate.

• Demographic trends favor BRICS, with growing populations driving demand and productivity.

• Currency and trade realignments accelerate, challenging decades of Western financial dominance.

Key Developments

• BRICS Growth Outshines the G7 in 2026 Projections
Forecasts show Ethiopia (7.1%), India (6.2%), UAE (5.0%), and Indonesia (4.9%) leading BRICS expansion. Even China (4.2%) and Egypt (4.5%) outpace most G7 members, highlighting the widening performance gap.

• G7 Economies Lag With Subdued Growth
The strongest projected G7 performer is the U.S. at 2.1%, with others—Japan (0.6%), Germany (0.9%), Italy (0.8%)—stuck near or below 1%. Population decline and slowed productivity are weighing heavily on Western forecasts.

• Multipolar Vision Gains Momentum
BRICS continues pushing for a rebalanced global financial architecture, expanding local-currency trade, and reducing reliance on U.S. and G7 systems. This shift threatens traditional Western leverage in global markets.

• Demographics Drive Divergent Futures
BRICS countries benefit from expanding labor forces, while declining populations in the West contribute to stagnation. The long-term trajectory favors emerging economies unless the G7 restructures its economic models.

Why It Matters

This divergence in growth underscores a fundamental redirection of global financial influence. As BRICS nations expand their economic footprint, strengthen local-currency systems, and attract new partners, the geopolitical and monetary dominance of the West faces unprecedented pressure.

Implications for the Global Reset

Pillar 1: Eastward Shift in Economic Power
Accelerated BRICS growth reshapes where capital flows, where trade is conducted, and who sets global norms. Higher GDP expansion creates momentum for deeper integration and an alternative financial ecosystem.

Pillar 2: Declining Western Leverage
Slower G7 growth erodes the West’s ability to dictate monetary policy, enforce sanctions, or maintain dollar-centric dominance. A multipolar financial order moves closer as emerging economies take the lead.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – “BRICS vs G7: Projected Growth Rate For 2026”

• IMF – “World Economic Outlook: Global Growth Projections”

• World Bank – “Emerging Markets Growth Outlook 2026”

~~~~~~~~~~

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Could Paper Checks Be On The Way Out, Like The Penny?

Could Paper Checks Be On The Way Out, Like The Penny?

Chris Isidore, CNN   Fri, December 5, 2025

First the penny. Next, paper checks?

When the US Mint stopped making pennies last month for the first time in 238 years, it drew a lot of attention. But there have been quiet moves to stop using paper checks as well.

The government stopped sending out most paper checks to recipients as of the end of September, part of an effort to fully modernize federal benefits payments. And on Thursday the Federal Reserve put out a notice that suggested it is considering – but only considering – the “winding down” of checking services it now provides for banks.

The central bank’s statement said that as an alternative to winding down those services, it is mulling more investment in its check processing services, but noted that would come at a higher cost. But it is also considering not making any such investments, in order to keep costs roughly unchanged. That would lead to reduced reliability of those services going forward.

“Over time, check use has steadily declined, digital payment methods have grown in availability and use, and check fraud has risen,” said the notice from the Fed. “Also, the Reserve Banks will need to make substantial investments in their check infrastructure to continue providing the same level of check services going forward.”

A report from the Federal Reserve Bank of Atlanta in June found that as of last year, more than 90% of surveyed consumers said they prefer to use something other than a check for paying bills, and just 6% paid by check. That’s a sharp drop from the 18% of bills paid by checks as recently as 2017.

Consumers also reported they view checks as second-worst for convenience and speed of payment, ahead of only money orders. And they’re ranked as the least secure form of any payment other than cash.

But even if it’s true that options such as direct deposit, automatic bill paying and electronic payment systems such as Venmo, PayPal and Zelle have all reduced the need for traditional checks, paper checks are still an important part of the payment system. They make up about 5% of transactions and represent 21% of the value of all those payments, according to a statement from Michelle Bowman, the Fed’s vice chair for supervision, who dissented from the Fed’s Thursday statement.

TO READ MORE:  https://finance.yanother wow momwntahoo.com/news/could-paper-checks-way-penny-165802651.html

MilitiaMan and Crew: IQD News Update-Monetary & Financial Reforms-Final Process?

MilitiaMan and Crew: IQD News Update-Monetary & Financial Reforms-Final Process?

12=9=2-25

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=70bs-jV-eK4

FRANK6...12-9-25.....UN LEAVING

KTFA

Tuesday Night Video

FRANK6...12-9-25.....UN LEAVING

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#

What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE… ORANGE=IMPLEMENTATION

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

Seeds of Wisdom RV and Economics Updates Tuesday Evening 12-09-25

Good Evening Dinar Recaps,

Energy Geopolitics Repositions Global Power as Markets Brace for a Reset

Analysts warn 2025 marks a profound shift across energy, trade, and geopolitical systems

Overview

• Strategic energy realignments accelerate, reshaping geopolitical partnerships and long-term supply routes.

• Analysts describe 2025 as a systemic transition year, linking energy restructuring with broader financial and political shifts.

• Global competition intensifies, as nations secure energy access amid rising geopolitical uncertainty.

Key Developments

• Major forecasts highlight a “profound reset” underway across energy, geopolitics, and technology, signaling structural global changes.

• Energy markets remain volatile, with nations diversifying suppliers and negotiating long-term security agreements.

• Shifting alliances reshape energy influence, affecting global investment, trade flows, and strategic reserves.

Why It Matters

Energy remains the backbone of global power. As nations adapt to new geopolitical realities and volatile markets, shifts in energy supply, partnerships, and security strategies will directly influence global finance, trade structures, and long-term economic stability. These transitions form a critical foundation of the broader systemic realignment already underway.

Implications for the Global Reset

Pillar: Energy
Volatile markets and shifting alliances create new power centers, while reducing reliance on legacy energy corridors dominated by Western institutions.

Pillar: Geopolitics & Trade
Energy realignment cascades into trade and financial restructuring, accelerating the move toward a multipolar system with diversified economic blocs.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• KPMG – “2025 and the Great Reset: Geopolitics, Energy and the AI Imperative”

• Reuters – “China Urges Trade Partners Against Tariffs as Tensions Rise Over Record Surplus”

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CFTC Pilot Opens Door for Crypto Collateral in U.S. Derivatives Markets

New guidance signals a shift toward tokenized assets in mainstream financial infrastructure.

Overview

• CFTC launches a pilot allowing Bitcoin, Ether, and USDC to be used as margin collateral.

• Program sets strict reporting rules for futures commission merchants (FCMs).

• Updated federal guidance expands acceptable tokenized real-world assets.

• Move withdraws outdated restrictions and clears path for broader adoption.

Key Developments

• CFTC acting chair Caroline Pham announced a pilot enabling FCMs to accept BTC, ETH, and USDC as margin collateral, marking the most significant regulatory opening for crypto in derivatives markets to date.

• FCMs must meet weekly reporting requirements, documenting customer holdings and any issues impacting collateral integrity.

• New CFTC guidance covers tokenized assets including Treasury-backed money-market funds, outlining requirements for legal enforceability, segregation, and control frameworks.

• The CFTC issued a “no-action” position regarding payment stablecoins held as customer collateral, reducing friction for stablecoin-based margin.

• Staff Advisory 20-34 was withdrawn, removing a long-criticized barrier that had prevented crypto from being used as customer collateral.

• Industry leaders including Coinbase, StarkWare, and Plume Network praised the move, calling it a major step toward automated on-chain settlement for derivatives.

Why It Matters

This pilot program marks a meaningful shift: crypto assets are now crossing into the most highly regulated financial market in the world—derivatives. By creating a compliant framework for tokenized collateral, the CFTC is laying the groundwork for digital assets to plug directly into institutional trading, risk management, and settlement infrastructure. It aligns with global restructuring trends where tokenized assets, real-world collateral, and non-bank financial rails are becoming central to capital flows.

Implications for the Global Reset

Pillar: Assets

Tokenized collateral transforms how value moves through markets, expanding accepted asset classes beyond traditional banking structures.

Pillar: Technology

On-chain settlement and automated reporting increase transparency and efficiency—core components of the emerging digital financial architecture.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Cointelegraph – “CFTC pilot opens path for crypto as collateral in derivative markets”

• Reuters – “CFTC unveils pilot program for digital asset markets”

~~~~~~~~~~

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Newshound's News Telegram Room Link

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Monday Evening 12-8-25

Iraq And Arab Countries Possess More Than 1600 Tons Of Precious Metal Reserves

Money and Business   Economy News – Baghdad   The World Gold Council announced on Tuesday that Iraq and 15 other Arab countries possess more than 1,600 tons of global gold reserves.

The council said in its latest table for December that "15 Arab countries, including Iraq, possess 1,638 tons of gold out of 100 countries listed with the World Gold Council."

He added that the top six Arab countries, namely: (Saudi Arabia, Lebanon, Algeria, Iraq, Libya and Egypt), possess 1,230 tons, while the remaining Arab countries (Kuwait, the UAE, Jordan, Qatar, Morocco, Tunisia, Oman, Bahrain and Syria) possess 408 tons.

According to the table, "Iraq's gold reserves amounted to 170.9 tons, maintaining its 29th position globally out of 100 countries listed in the table with the largest gold reserves."

It is worth noting that the World Gold Council, which is based in the United Kingdom, has extensive experience and in-depth knowledge of the factors affecting market changes, and its members include the world’s largest and most advanced gold mining companies.     https://economy-news.net/content.php?id=63231

Relative Stability In The Exchange Rate In Baghdad Markets

Economy | 09/12/2025    Mawazin News – Baghdad:  The exchange rate of the US dollar witnessed relative stability in local markets amidst normal trading activity.  The selling price in Baghdad's markets was recorded at 143,500 Iraqi dinars per 100 US dollars, while the buying price reached 142,750 dinars.

This stability comes after limited fluctuations in recent days, as markets await any new directives from financial authorities regarding the regulation of trading operations.   https://www.mawazin.net/Details.aspx?jimare=271357

Gold Prices Stabilize As The Market Awaits The Federal Reserve's Decision On Interest Rate Cuts.

Economy | 09/12/2025   Mawazin News - Follow-up:   Gold prices held steady as investors largely priced in the Federal Reserve's interest rate cut, while bracing for signals that the US central bank might proceed with a slower-than-expected easing cycle at its two-day policy meeting beginning later today.

Spot gold was steady at $4,186.99 per ounce by 02:31 GMT. US gold futures for December delivery fell 0.1% to $4,215.80 per ounce.

Wall Street's main index closed lower on Monday, with the Dow Jones Industrial Average down about half a percent, the S&P 500 down more than a third of a percent, and the Nasdaq Composite down modestly.

Earlier this month, Federal Reserve Chair Jerome Powell signaled a hawkish stance on interest rate cuts during his press conference. As a result, investors in the US Treasury market are reassessing their positions.

The yield on the benchmark 10-year Treasury note touched its highest level in two and a half months on Monday. Rising U.S. Treasury yields increase the opportunity cost of holding non-yielding assets, such as bullion.

Analysts widely expect a "tough cut" in interest rates this week, accompanied by guidance and forecasts that point to a high threshold for further easing next year.

Markets now estimate the probability of a quarter-point rate cut at the Federal Reserve's December 9-10 meeting at 87%, down from 90% on Monday, according to CME's FedWatch tool. https://www.mawazin.net/Details.aspx?jimare=271350

Oil Prices Remain Stable Amid Anticipation Of Ukrainian Peace Talks

Economy | 09/12/2025   Mawazin News -   Oil prices stabilized in trading on Tuesday after falling 2% in the previous session, as markets monitored peace talks on Ukraine and awaited US interest rate decisions.  West Texas Intermediate (WTI) crude futures for January traded at $58.75 a barrel, down slightly by 0.22% from the previous close.

Meanwhile, Brent crude futures for February traded at $62.39 a barrel, down 0.16%. Oil prices remained stable amid anticipation of the Ukrainian peace talks.   https://www.mawazin.net/Details.aspx?jimare=271349

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

This may Take Down the Paper System: Andy Schectman

This may Take Down the Paper System: Andy Schectman

Liberty and Finance:  12-8-2025

The world of precious metals is undergoing a significant transformation, driven by advancements in blockchain technology, shifting geopolitical landscapes, and changes in supply and demand dynamics.

 In a recent in-depth discussion between Kaiser Johnson and Andy Schectman, CEO of Miles Franklin, the intricacies of the current precious metals market were explored, shedding light on the potential disruption of traditional paper gold systems by tokenized gold and the implications of emerging geopolitical and economic trends.

The conversation began with an examination of current precious metals specials, before delving into the role of blockchain technology in revolutionizing the gold market.

Schectman explained how tokenized gold could offer a transparent, fully allocated, and instantly transferable alternative to the existing paper gold system, which has long been plagued by rehypothecation and fractional backing.

 This new paradigm has the potential to collapse the traditional paper gold market, as investors increasingly seek greater reliability and the ability to take physical delivery of their assets.

The importance of transparency, auditability, and deliverability in any blockchain-based gold solution was emphasized as crucial for gaining investor confidence.

As the COMEX and LBMA systems face declining trust and fragility, exacerbated by central banks repatriating gold and a surge in physical delivery demands, the need for a more robust and trustworthy system becomes increasingly evident.

The discussion then turned to the broader geopolitical landscape, where the emergence of the BRICS+ nations’ gold-backed unit (“the unit”) is set to challenge the U.S. dollar’s global dominance.

This new system, currently in beta testing, leverages cross-border payment technologies to bypass Western sanctions and aims to internationalize the digital yuan through a network of vaults across the Belt and Road Initiative countries.

Schectman highlighted the significant accumulation of physical silver and gold by sovereign entities, as well as the structural supply-demand imbalances caused by increased industrial use—particularly in AI data centers—and strategic stockpiling by governments.

 The recent addition of silver to the U.S. critical minerals list underscores the growing importance of these metals in the global economy.

As the precious metals market continues to evolve, Schectman emphasized the need for a hybrid strategy that combines physical holdings with tokenized assets to mitigate risks from technological or systemic failures. The fragility of complex supply chains and infrastructure highlights the importance of diversification and a cautious approach to investment.

Schectman encouraged investors to take note that the smartest market participants—central banks, commercial banks, and sovereign wealth funds—are actively accumulating physical metals, signaling a major price and supply shift that will eventually reach retail investors.

He stressed that holding physical metals remains the most reliable wealth preservation strategy amid fiat currency debasement.

The precious metals market is on the cusp of a significant transformation, driven by technological innovation and shifting geopolitical and economic trends.

As the conversation between Kaiser Johnson and Andy Schectman highlights, tokenized gold and the emergence of BRICS+ are set to play a major role in shaping the future of gold and silver investments. Investors would do well to take note of these developments and consider a hybrid strategy that combines physical holdings with tokenized assets.

https://youtu.be/DbfRCQn91BI

Ariel: Deletion of 3 Zeros Project for the Iraqi Dinar

Ariel: Deletion of 3 Zeros Project for the Iraqi Dinar

12-8-2025

Deletion Of 3 Zeros Project: Iraqi Dinar

My Hypothetical Analysis Since It Hasn’t Happened Yet

The Central Bank describes it as a currency redenomination, a technical reform designed to simplify accounting transactions, reduce the number of banknotes in circulation, and modernize the cash system.

It doesn’t make a financial difference for Iraqis like it would those living abroad like America. The current mid-market exchange rate is 1 IQD = 0.0007634 USD. We are trying to get it to 0.76.

Which is removing the what? 3 zeros correct? Which means if you hold 100k IQD and the rate comes out at 0.76. You will exchange and get a ROI that will yield 76,000 dollars. Understand now?

You want 3 zeros behind a single digit number. Because that determines how much you are gaining. Not losing.

5000.00

10000.00

20000.00

The more zeros you have in front of a number. The less money and value you have.

0.0007

0.0008

0.0009

This is called the program rate in Iraq. Which is 0.00076.

Remove the 3 zeros and you have 0.76 cents at almost a dollar which is pretty good if Iraq comes out at 0.76 cents and go up from there.

Now turn that 0.76 to 1:1-3:1-4:1 and so on and so forth.

What do you have?

100k (IQD)

200K (IQD)

300k (IQD)

400k (IQD)

500k (IQD)

I always said how much you have determines how much you will get back once you exchange.

100k (IQD) at 0.76 rate on the Forex will be 76,000 in (USD).

200k (IQD) at 0.76 rate on the Forex is 152,000 in (USD).

300k (IQD) at 0.76 rate on the Forex is 228,000 in (USD).

This is really simple to understand.

Elementary school taught us that the more zeros in front of a number the less value it has. 0.76 last up until you hit a new denomination at 100.00. Then zeros proceed to be behind that specific triple digit.

Now you know how the Iraqi Dinar will have purchasing power once the 3 zeros are removed from in front the number.

76 & 100 are 2 different denominations people. One is more the other is less. But if you put too many zeros in front of them they hold no value until it is removed. Hence the “Deletion Of The 3 Zeros Project”.

Are we clear?

Source(s):  https://x.com/Prolotario1/status/1998200150775275708

https://dinarchronicles.com/2025/12/09/ariel-prolotario1-deletion-of-3-zeros-project-for-the-iraqi-dinar/

Seeds of Wisdom RV and Economics Updates Tuesday Afternoon 12-09-25

Good Afternoon Dinar Recaps,

Nations Turn to Hard Assets as Global Reserve Strategies Shift

Gold and commodity reserves regain prominence amid currency volatility and trade realignment

Overview

• Gold’s role strengthens as nations hedge against trade instability and shifting currency dynamics.

• Emerging markets diversify reserves, reducing reliance on the U.S. dollar in favor of mixed-asset strategies.

• Commodity-backed stability grows, with sovereigns increasing exposure to physical assets during financial uncertainty.

Key Developments

• Analysts highlight renewed demand for hard assets, driven by de-dollarization trends and reserve diversification.

• Uncertain global markets reinforce gold’s significance, especially as multipolar currency systems expand.

• Institutional and sovereign investors increase commodity holdings, preparing for long-term structural shifts in global finance.

Why It Matters

As trade partners diversify settlement currencies and global markets remain volatile, nations are returning to tangible assets to protect purchasing power and stabilize reserves. Gold and other commodities are regaining status as strategic anchors—signaling deeper movement toward a financial order less dependent on fiat dominance.

Implications for the Global Reset

Pillar: Assets
Strengthening gold and commodity accumulation supports a gradual move toward asset-backed stability and away from single-currency concentration.

Pillar: Trade
Reserve diversification reinforces multipolar trade networks, allowing countries to operate with fewer constraints tied to dollar-based liquidity.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Crux Investor – “BRICS, De-Dollarization, and What the Shift Means for Gold Investors”

• World Gold Council – “Gold Demand Trends: Central Banks Increase Gold Reserves”

• Itiger – “Central Banks Continue Gold Buying as Nations Diversify Reserves”

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Rising Debt Pressures Expose Fragility in the Global Financial System

Forecasts warn that financial volatility and slowing trade are straining economies worldwide

Overview

• Global agencies caution that financial markets now heavily influence trade, increasing economic vulnerability.

• Debt burdens remain elevated, with forecasts showing weak growth and persistent fiscal strain across developed and emerging economies.

• Trade slowdown intensifies debt risks, as volatile financial conditions reduce investment and economic stability.

Key Developments

• UN analysts warn the global financial system must adapt, highlighting growing misalignment between markets and the real economy.

• Economic forecasts show structural uncertainties, including inflation pressures, fragile growth, and stressed fiscal positions.

• Trade institutions report a global slowdown, driven by financial volatility and rising risk premiums.

Why It Matters

High debt levels across governments and corporations are becoming harder to manage as growth softens and financial conditions tighten. With trade and investment slowing, many countries face increasingly constrained fiscal space—raising concerns about whether the current financial architecture can withstand persistent structural pressures.

Implications for the Global Reset

Pillar: Debt
Rising debt burdens and weakening growth push nations toward exploring new financing models, debt restructuring, and alternative monetary arrangements.

Pillar: Trade
Financial volatility limits global trade flows, accelerating the shift toward regional and bilateral systems less dependent on traditional credit markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Global financial system must adapt to better serve economy, UN trade agency says”

• IFM Investors – “Economic Update: December 2025”

• GTR Review – “Global Trade to Slow Down Amid Financial Volatility, UNCTAD Warns”

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

Why Financial Advisors Are Updating Retirement Advice

 Why Financial Advisors Are Updating Retirement Advice Here's What It Means for You

Jordyn Bradley   Mon, December 8, 2025   Investopedia

Key Takeaways

• Two-thirds of financial advisors are changing their retirement investment advice for clients due to a volatile market and economic uncertainty, according to a new report from Alliance for Lifetime Income.

• Financial advisors are changing their recommendations based on inflation, Social Security and Medicare uncertainty, and cost-of-living concerns.

• Advisors recommend considering their withdrawal strategy and evaluating assets they may not have incorporated.

 A volatile market and economic uncertainty have led financial advisors to shift how they're helping clients make decisions.

Two-thirds of financial advisors are changing their retirement investment advice for clients, according to a new report from Alliance for Lifetime Income released Thursday.

“Rising inflation, uncertainty around Social Security and Medicare, and overall cost-of-living concerns have led us to adjust both the conversations we’re having and the strategies we’re recommending,” said Nathan Sebesta, a certified financial planner.

Advisors say clients should consider their withdrawal strategy and look to create buffers against volatility. Sebesta said he has even encouraged his clients to consider a phased retirement or part-time work to create more stability amid all the uncertainty.

“In many cases, we’re helping clients rethink retirement altogether,” Sebesta said.

Sequence Risks Are Top of Mind

He also said he is having more conversations with clients about building cash buffers and revisiting allocation models to reduce sequence risk.

Sequence risk, or sequence-of-returns risk, is the risk that the timing of withdrawals from a retirement account can negatively impact an investor’s overall return. When you retire, you begin regularly withdrawing money instead of contributing new money to your account. In bull markets, these withdrawals are partly offset by new gains, but bear markets don’t see new gains.

While sequence risk is largely a matter of luck, it’s essential to remember these things when planning to retire, financial advisors said. Retirees who strictly rely on their portfolio to live off of in retirement might feel the brunt of a bear market, which could lead to making decisions to alter their retirement plan.

Because there is so much that isn’t predictable when it comes to retirement saving, Scott Bishop, another certified financial planner, said there isn’t one-size-fits-all advice. His advice has had to adjust, though. In order for them to create a sustainable plan, clients need to lock down two important details, he said.

“There is no ‘regiment number’ or ‘withdrawal rate’ that will be relevant if they don’t know how much they both need to spend and then want to spend on top of that,” said Bishop.

TO READ MORE:  https://www.yahoo.com/finance/news/why-financial-advisors-updating-retirement-225140273.html

How Old Is Too Old To Buy a House?

How Old Is Too Old To Buy a House?

Sarah Sharkey  Tue, December 9, 2025  GOBankingRates

Buying a house is a major financial decision. And for older homebuyers, the decision to purchase a new home comes with extra significance. While you’re never too old to buy a house, age can play a significant role in determining if the purchase is the best move for your finances.

From mortgage eligibility to long-term financial planning, the decision to purchase property in your 50s, 60s, or beyond depends on your unique circumstances. GOBankingRates reached out to the experts for their insights on whether you’re ever too old to buy a house, and what factors middle-aged and senior homebuyers should consider before making this major investment.

Older Buyers Should Take the Time To Think Things Through

Personal finance expert Suze Orman doesn’t think age should preclude a buyer from making a home purchase, but she does recommend taking the time to think about it carefully. Buying a home at any age only makes sense if you can afford it financially.

In Orman’s opinion, being able to afford a home purchase means the ability to put down at least 20% while holding onto a robust emergency fund. She also suggests not dipping too far into your retirement nest egg to cover the costs and choosing a 15-year fixed-rate mortgage.

Future Needs Become Especially Important

If buying a home later in life, it must meet your current and future living needs. Of course, this applies to the financial principles of not spending down too much of your retirement savings to make this purchase. But it also applies to the physical realities of aging.

“Retirees often come down to Florida dreaming of palm trees and a golf cart lifestyle, but they sometimes jump into a purchase without thinking a few years ahead,” said Jessica Robinson, co-owner of Family Nest North Central Florida, a company that helps families navigate transition periods, like aging.

“I once had a sweet couple buy a two-story home in a gorgeous 55+ community, but after a year, those stairs became a daily hassle and they ended up selling,” she continued. “That’s why I always tell my clients to try and think five to 10 years out when they’re buying a house.”

Before moving forward with a home purchase, make sure it is likely to fit your future needs.

Keep Maintenance in Mind

TO READ MORE:  https://www.yahoo.com/lifestyle/articles/old-too-old-buy-house-210212907.html

Swisher1776: Iraq Enters a Full-scale Financial and Geo-economic Reset Phase

Swisher1776: Iraq Enters a Full-scale Financial and Geo-economic Reset Phase

12-9-2025

IRAQ ENTERS A FULL-SCALE FINANCIAL & GEOECONOMIC RESET PHASE

Iraq is now undergoing a coordinated, multi-layered transformation across oil, banking, currency policy, and government finance — and all of it aligns with U.S./IMF security-finance enforcement under the NDAA framework.

Here’s how the pieces now clearly fit together:

1. U.S. MOVES INTO IRAQ’S LARGEST OIL ASSET (WEST QURNA-2)

• Iraq has formally invited U.S. companies to replace Russia’s Lukoil at the giant West Qurna-2 oil field.

• This comes amid sanctions pressure on Russian global energy assets.

• West Qurna-2 produces ~460,000 barrels/day and is one of Iraq’s largest dollar-revenue arteries.

What this really means:

• Russia is being cut out of Iraq’s oil cash flow

• Iraq’s oil dollars will now clear through U.S./OFAC-compliant banks

• This locks Iraq’s most critical USD source directly into Western financial control

• Even if oil prices fall, the quality, legality, and reliability of Iraq’s dollar inflow improves

This is not just an oil contract — it is a monetary stabilization move tied to dollar security.

2. NDAA ALIGNMENT: LOCKING DOWN MONEY & BLOCKING SANCTIONS EVASION

Under the NDAA, the U.S. enforces:

• Terror-finance shutdown

• Militia dollar access restrictions

• Sanctions compliance

• Energy-security realignment away from Russia & Iran

Now Iraq is actively:

• Activating AML & sanctions name-screening systems at state banks

• Centralizing district-level treasury accounting under the Ministry of Finance

• Digitizing customs and trade controls

These are direct NDAA-aligned behaviors designed to:

Block d***y money, tighten dollar control, and remove non-state control over financial flows.

3. IRAQ OPENS THE ASIA–EUROPE LAND TRADE CORRIDOR (TIR SYSTEM)

• Iraq confirmed success of the TIR international transit system.

• This positions Iraq as a land bridge between Asia & Europe.

• This expands:
  ◦ Non-oil revenue
  ◦ Customs income
  ◦ Trade-based USD inflows

This reduces Iraq’s total dependence on oil alone — a key IMF condition.

4. NEW EXCHANGE-RATE POLICY DEBATE CONFIRMED BY STATE MEDIA

For the first time, Iraqi policy outlets are openly discussing a selective / multi-level exchange rate system:

• Subsidized rate for:
  ◦ Food
  ◦ Medicine
  ◦ Production inputs

• Intermediate rate for:
  ◦ Strategic sectors
  ◦ Reconstruction

• High/free rate for:
  ◦ Luxury cars
  ◦ Electronics
  ◦ Luxury imports

Why this matters:

• Iraq is preparing for possible global oil oversupply

• Officials fear a sharp oil-price crash

• Because oil funds ~90% of Iraq’s budget

So instead of a revaluation, Iraq is discussing a defensive currency architecture to:

• Protect citizens

• Preserve dollar reserves

• Control luxury dollar drain

• Increase government revenue without raising taxes

• Shield the IQD during a future oil shock

State economists explicitly warn this is not a magic cure, but part of a broader reform package.

HOW THIS ALL CONNECTS (THE REAL SYSTEM FLOW)

Here is the real chain now locking into place:

U.S. NDAA Pressure → Russian Oil Exit → U.S. Energy Control → Clean USD Inflows → CBI Dollar Stability → AML Enforcement → Treasury Centralization → Selective FX Defense → Trade Corridor Expansion

This is not a currency “flip switch” — this is a full sovereign economic firewall being built in layers.

It is a pre-stabilization and control phase — the hard groundwork that must exist before any true currency expansion could ever safely occur.

FINAL TRUTH IN ONE LINE

Iraq is being structurally locked into a U.S.-aligned, IMF-compliant financial system — through oil control, dollar enforcement, treasury centralization, and selective currency defense — but this phase is about stability and survival, not an instant revaluation.

Swisher1776:  Tuesday, 09/2025/12 This aligns with: •Database field inversion •SQL index repointing •API stub placeholders •Auto-generated announcements from an unfinished module In banking systems, this only occurs when the schema is being rewritten, typically during:

A shift in monetary policy

A change in liquidity tools

A change in exchange rate management

A new compliance framework (ISO 20022)

A change in FX auction or settlement architecture

Given your timeline and all surrounding geopolitical events, this fits the pattern of a rate-transition pre-check.

Islamic Deposit Certificate auctions disappearing = end of the old phase ICD auctions were part of: •Controlled liquidity tightening

•Monetary sterilization

 •Preparing banks for new reserve requirements

•Absorbing excess dinar supply before a value change

 Once that phase finishes, they stop appearing.

Today appears to be that moment.

https://x.com/swisher1776/status/1998093299693789314

Swisher1776 IQD UPDATE: CBI AUCTION SYSTEM SHIFT ICDs TO CENTRAL SECURITIES DEPOSITORY (CSD)

Let’s break it down The Central Bank of Iraq (CBI) has announced that Remittance Auction No. (B341) — with a 14-day term — is now being published through the Central Securities Depository System (CSD), rather than via the previous Islamic Deposit Certificate (ICD) framework.

Why switch from ICDs to a “B341 remittance auction”? Because remittance auctions are the predecessor to: FX auctions. And FX auctions are being phased out completely in a revaluation scenario.

So today’s artifact means:

ICD cycle: completed

FX auction module: offline

Remittance module: ghost-firing / placeholder

CBI auction system: transitioning The mismatched tool (remittance vs ICD) + the impossible date = proof the monetary operations table is being overwritten. This is exactly what a central bank system looks like right before a live-rate change, especially when new rate tables are being pre-loaded.

Grok: Transition Impact: Yesterday's auction was one of the last under the old centralized "dollar auction" model (launched 2003, criticized for opacity and $6B+ in past leakages).

The mixed date format is the smoking gun If the date issue were isolated, we could blame a clerical error. But paired with the instrument-type anomaly? It becomes a system-level transition artifact.

The date listed: “Tuesday, 09/2025/12”

This aligns with: •Database field inversion

•SQL index repointing

•API stub placeholders

•Auto-generated announcements from an unfinished module In banking systems, this only occurs when the schema is being rewritten, typically during:

A shift in monetary policy

A change in liquidity tools

A change in exchange rate management

A new compliance framework (ISO 20022)

A change in FX auction or settlement architecture

Given your timeline and all surrounding geopolitical events, this fits the pattern of a rate-transition pre-check.

 Islamic Deposit Certificate auctions disappearing = end of the old phase

 ICD auctions were part of:

•Controlled liquidity tightening

•Monetary sterilization

 •Preparing banks for new reserve requirements

•Absorbing excess dinar supply before a value change

Once that phase finishes, they stop appearing.

 Today appears to be that moment.

CBI STATEMENT (excerpt): “We would like to inform you that the auction of Central Bank of Iraq remittances No. (B341) has been announced with a term of 14 days… published in the Central Securities Depository System (CSD). Traditional banks can submit bids… Data determining 50% of private sector deposits was dated Nov 20, 2025…” This is a clearly visible system transition.

https://x.com/swisher1776/status/1996611478548250852

Source(s): https://x.com/swisher1776/status/1998124711323304409

https://dinarchronicles.com/2025/12/08/swisher1776-iraq-enters-a-full-scale-financial-and-geo-economic-reset-phase/

Tuesday Coffee with MarkZ, 12/09/2025

Tuesday Coffee with MarkZ, 12/09/2025

Some highlights by PDK-Not verbatim

MarkZ Disclaimer: Please consider everything on this call as my opinion. People who take notes do not catch everything and its best to watch the video so that you get everything in context.  Be sure to consult a professional for any financial decisions

Member: Good Morning Mark, Mods and members

Member: Wonderful December greetings to you all!!!

Member: Any bond news today Mark?

MZ: I do have a bond contact today that was delivered “Travel Cash” so they can travel to deliver their “Historic Assets” and close their bond deal as well. They have a large amount of bonds. They hope to close this the end of the week going into the weekend. They received spendable cash to make that trip to complete the deal. This was comforting to me.

MZ: I had another contact with meetings today. I still have not heard from him

Mark, when are the Iraqi people going to get tired of the old crap about raising purchasing power and make the government do something. They have been lied to for decades.

Member: Iraqs budget for 2026 was supposed to be completed by 08 Dec.

MZ: New Parliament in Iraq cranks up Dec 9th. That is today.

MZ: “ Al Sudani: Iraq’s vision in the field of energy pushes it to cooperate with International companies” this is part of the White Paper Reforms.

MZ: From Seleh-Sudanis Fiancial advisor: “ Iraq has succeeded in creating an attractive climate for foreign investments and opening new markets” Many articles have this theme today.

MZ: “ Integrity Commission in Kurdistan records more than 590 corruption cases in 2025”  they are doing the big clean up before passing HCL.  

Member: I wonder- What are the bullet points in the Gazette about the exchange?

Member: Frank26 talking about 2 exchange rates last night we have to be very close… Iraq wouldn't bring that up if we weren't

Member: rumor from Mike Bara that they are tired of waiting for Iraq…so Vietnam may fo first now.

Member:  I still think they all RV at once…. imagine the double dipping if they don't go at once?

MZ: I have heard nothing new on the dong or Prosperity packages or Venezuela .

Member: Silver $60.02. We made it. Andy said last night it would be $75.00 by year end.

Member: just think of all the distractions in the news right now...so much news it's hard to keep up on a daily basis....looks like 'cover' to me ;)

Member: Please- Whoever pulls the trigger, Please not another Christmas without the RV!!!

Member: IMO- there's a strong chance we could go before Christmas!!

Member: Mark, Just a quick Thank You for everything you bring to all of us every morning and many nights!!

Lewis Herms joins the stream today…Please listen to replay for his opinions and information.

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