Coffee with MarkZ, Zester, and joined by Mr. Cottrell. 12/19/2025

Coffee with MarkZ, Zester, and joined by Mr. Cottrell. 12/19/2025

MarkZ  Update- 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: Hello to everyone…..! Happy Fantastic Friday!

Member: Good morning, Mark and Zester. Praying for good news today.

Member: Are we there yet, are we there yet??????

CBD Gurus talk during the first 15 minutes…..then Mark, Zester and Mr. C

MZ: Some fun stuff out of Iraq this morning: “ Iraqi Economist warns of possible dinar devaluation amid fiscal pressure” This is very similar to what we saw in Kuwait. Iraq has already told us they would not go there. But these are the kind of stories they run before RVs…we saw the same thing in China as well.

MZ: “ Article 140 and the Council of the Federation with the amendment of the election law. A delegation from the “party” to implement the outstanding files with Baghdad” The Kurdish region is scrambling to get the government done before Parliament sits again (Dec 29) they want the HCL done so they can get their new rate. There is a massive push….this is what we wanted to see…so this is exciting today

MZ: Unfortunately still quiet on the bond side. Most are still hearing it is “imminent”

Member: Al-Mashhadani: The end of UNAMI's mission opens the door to a new partnership with the United Nations

Member: News : Iraq returns to the European stage: Baghdad airport receives its first European plane after 35 years

Member: I wonder what the word speed actually means in Iraq.

Member: Anyone aware that IQD rate is on Coinbase?

Zester: I did notice that one. It has been there for a long time…(Shows the screen) And it is true . The Iraqi dinar is on coinbase and you can do rates on bitcoin vs. Iraqi dinar…..XRP to Iraqi dinar…..I XRP to the dinar is $2, 463. 39.

Zester: Coinbase said they plan on accepting International Currencies at some point in time and they plan on storing International currencies. We have talked before on how Coinbase and Crypto currencies plan on becoming “banks” and Coinbase seems to be positioning itself to be a international bank.

Zester: I expect that soon you will be able to go to coinbase with fiat and IQD and deposit Iraqi dinar and buy “tokenized” Iraqi dinar. On coinbase you can already trade dinar for Euros …This is interesting.

Member: so “tokenized” means digital dinar….which should be gold backed!! Good news.

Member: Happy Holidays Everyone Best Wishes for a wonderful Holiday Season

 Member: have a wonderful blessed trip Mark Enjoy every minute making memories with them

Possibly no podcast on Saturday…..next scheduled podcast on 10 AM est on Monday.

Zester, Mr. Cottrell and CBD Guru’s join the stream today. Please listen to replay for their information and opinions

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

https://rumble.com/user/theoriginalmarkz

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Mod:  MarkZ "Back To Basics" Pre-Recorded Call" for Newbies 10-19-2022 ) https://www.youtube.com/watch?v=37oILmAlptM

MARKZ DAILY LINKS: https://theoriginalmarkz.com/home/

Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

THANK YOU ALL FOR JOINING. HAVE A BLESSED NIGHT! SEE YOU ALL IN THE MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!

FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:      https://www.youtube.com/watch?v=SPKd4yJX4fM

News, Rumors and Opinions Friday 12-19-2025

KTFA:

Clare:  Channel 8 English

 @Channel8English

 “With falling oil prices and forecasts such as JPMorgan’s outlook on future oil markets, the next government may find no financial exit except changing the exchange rate in order to pay salaries, wages, and operating expenses,” Iraqi economist Abdulrahman al-Mashhadani emphasized.

https://x.com/channel8english/status/2001667518675710443

Clare: :  Trump envoy and Joe Wilson: We will make Iraq great again

12/18/2025

Mark Savaya, President Donald Trump’s envoy, wrote on the “X” platform (formerly Twitter) on Thursday that he met with US Congressman Joe Wilson and it was a “great meeting.”

"It was a great meeting with U.S. Congressman Joe Wilson and his team," Savaya said in his post, adding, "We will make Iraq great again."

For his part, Republican US Representative Joe Wilson wrote on the “X” platform that he was pleased to host Mark Savaya, the US Special Envoy to Iraq, in his office for a meeting he described as important regarding Iraq.

Wilson, who is known for raising controversial issues and making provocative statements, particularly regarding Iraq and the Middle East, added: "I look forward to working with the Special Envoy to bring prosperity to Iraq and liberate it from Iran," noting that "there is no one more qualified than him to work on this issue for President Trump."

US Representative Joe Wilson posted a picture of himself with Trump's envoy, holding the Iraqi flag, with the American flag behind them and the new Syrian flag beside it.

Joe Wilson   @RepJoeWilson

Grateful to host Mark Savaya, U.S. Special Envoy for Iraq, in my office for an important meeting on Iraq. I am excited to work with the Special Envoy to Make Iraq Great Again and Free Iraq from Iran. There couldn’t be anyone better working on this issue for President Trump!   LINK

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Clare: Article 140 and the Federal Council, along with amending the election law... A delegation from the "Party" to implement outstanding issues with Baghdad 

12/18/2025 

On Thursday, December 18, 2025, the Central Committee of the Kurdistan Democratic Party held an expanded meeting during which it discussed several issues, most notably the formation of the Kurdistan Regional Government, the Iraqi parliamentary elections, partnership and cooperation in Baghdad, in addition to the political situation in the region, and the implementation of outstanding issues with Baghdad.

 The committee said in a statement, a copy of which was translated by Al-Jabal, that “the Kurdistan Democratic Party does not see it as right to mix the talks on forming the regional cabinet with the federal government; the issues of the region must be resolved first, and then the necessary and joint steps towards Baghdad must be taken, and our party’s delegation has begun its tasks in this regard.”

 According to the statement, the meeting emphasized "the need to implement the outstanding issues with Baghdad, such as: Article 140, the establishment of the Federal Council, the formation of the Federal Court in accordance with the Constitution, and the Oil and Gas Law

." It also stressed "the serious endeavor to amend the unfair Iraqi election law, and to resolve the budget and salary issue permanently and in accordance with the federal system. A high-level delegation from the Kurdistan Democratic Party was designated for this purpose."

 Below is the text of the statement:

Under the supervision of His Excellency President Masoud Barzani, and in the presence of the Vice Presidents, members of the Central Committee and branch officials, the Central Committee of our party held an expanded meeting today, Thursday, December 18, 2025.

The meeting began with a minute of silence in honor of the pure souls of Kurdistan's martyrs, foremost among them the immortal Barzani and the late Kak Idris. Following this, several important and timely issues were raised and discussed, and the necessary decisions were made.

 First topic: Formation of the tenth cabinet of the Kurdistan Regional Government

This process began in conjunction with the end of last year's elections, and unfortunately, the Kurdistan Parliament has not yet been activated, the President of the Region has not been elected, and the tenth cabinet has not been formed.

Immediately after the election results were ratified, our party, through a special delegation, visited the Kurdish parties and groups to initiate dialogue aimed at forming a broad-based government. However, some parties chose to join the opposition, and we respect their decision.

Simultaneously, dialogue continued between our party and the Patriotic Union of Kurdistan (PUK). We exerted considerable effort to ensure that our agreement would not be finalized until the Iraqi parliamentary elections. Unfortunately, the PUK—due to flawed readings and preconceived notions of the parliamentary election results—unjustifiably extended the dialogue beyond the November 11, 2025 elections, despite our warnings that the pre- and post-election circumstances would be significantly different. The PUK, however, had already made its decision.

 Currently, the door to dialogue remains open for reaching an agreement based on the results and entitlements of the Kurdistan Parliament elections, and the votes and trust of the people of Kurdistan must be respected.

 Our party does not believe it is appropriate to conflate the discussions on forming the regional cabinet with those of the federal government; the region's issues must be resolved first, and then the necessary joint steps can be taken with Baghdad. Our party's delegation has already begun its work in this regard.

 Second topic: Elections for the Iraqi Federal Parliament

The meeting discussed the November 11, 2025 elections, in which our party achieved a resounding victory, securing the votes and trust of over 1.1 million voters in Kurdistan and Iraq, and winning a significant number of provincial seats. This victory is the fruit of the struggle and sacrifices of our martyrs, the wisdom and efforts of our party's cadres, members, and supporters, the enduring legacy of Barzani, and the trust placed in our party's leadership and structures by the people of the Kurdistan Region and the Kurdish areas outside the region's administration.

 Therefore, the meeting expressed its gratitude to all party and government officials, Peshmerga forces, and cadres, as well as to the families of martyrs, the loyal public, election committees and teams, and professional organizations, for their dedication to the party's success

. It also thanked the security forces for providing a calm environment for the process and congratulated the winning candidates, commending the efforts of all candidates on list (275) who worked diligently. The meeting called upon the winners to faithfully represent the hopes and aspirations of all citizens of Kurdistan and Iraq, and to work towards enacting laws that serve the people and establish good governance.

 Third axis: Partnership and work in Baghdad

The meeting affirms that the people of Kurdistan have the right to negotiate in Baghdad with a unified voice and as a single entity, as a Kurdish nation, not as separate political parties. The Kurds and Kurdistan must be genuine partners in governing Iraq alongside their Shia and Sunni brothers, while respecting the rights of all other communities, just as the new Iraqi state was founded on three principles: partnership, balance, and consensus, which have become the spirit of the permanent constitution.

The meeting emphasized the necessity of implementing outstanding issues such as Article 140, establishing the Federal Council, forming the Federal Court in accordance with the Constitution, and the Oil and Gas Law.

 It also stressed the importance of seriously pursuing amendments to the unfair Iraqi election law and finding a permanent solution to the budget and salary issues in a manner consistent with the federal system. To this end, a high-level delegation from our party was designated.

Fourth axis: The political situation in the region

The general political situation in the region, Iraq, and Kurdistan was discussed. The meeting noted that developments in Türkiye regarding the resolution of the Kurdish issue and the peace process are a source of hope and will have a positive impact in all areas.

 Regarding the changes in Syria, the meeting welcomed the vision of the countries seeking stability in Syria, which links stability to the extent to which the distinct identities of the various components, including the Kurdish people, are respected. We hope that these changes, by learning from the mistakes of the past, will guarantee the rights and freedoms of all national, religious, and sectarian groups, and promote peaceful and civilized coexistence.

 Fifth axis: Regulatory affairs

The provincial organizational offices presented an analysis of their activities and challenges. The meeting discussed proposals to strengthen ties with the public in cities and villages, enabling party organs to more effectively convey the people's demands and opinions to the leadership, so that our colleagues in the regional and central governments can play their part in addressing these issues and providing for the needs of the people.

In conclusion, the meeting made several decisions regarding topics that required legal and regulatory resolution.  LINK

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

Frank26   Everything is on course.  T-minus [13] days and counting according to the Central Bank of Iraq concerning December 31, 2025 where 1310 dies and the following day on January 1, 2026 something new replaces it.  All according to the CBI.

Jeff   Back from December 20, 2020 when Iraq devalued their currency by 23% Article "Iraq's central bank devalues dinar by 22% amid public anger".  I know it says 22% but it was actually 23%.  No big deal.  Anyway they devalued the currency on Sunday, December 20, 2020.  I just wanted you to be aware that was a date and time frame in which they devalued or changed their exchange rate historically 5 years ago.  Will they do it again on a similar time frame?  Maybe, possibly.

Militia Man  The Central bank is independent of the government.  We're not talking about politics...They're not going to tell you the date and the exchange rate...There's no bearing whatsoever on Alaq and the gatekeepers to be able to adjust an exchange rate.  Alaq can do it whenever he feels like it.  But...in this digital environment he has to do it in sync...The outlook is good as far as I'm concerned...

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4-Digit SILVER Coming as Paper Game ENDS - 'The Bankers Are Losing Control': Lynette Zang

Commodity Culture:  12-16-2025

Lynette Zang believes that once the paper manipulation game completely ends and true price discovery occurs in the silver market, the metal is headed to four digits, in a move that will shock investors who aren't paying attention.

Lynette points out that silver's rapid rise past $60 is only the beginning of a parabolic run driven by physical demand and not rigged paper promises.

00:00 Introduction

 01:18 4-Digit Silver is Coming

 05:24 Is Silver Manipulation Over?

06:56 Silver Import Surge in India

10:02 China Silver Export Controls

14:19 You Don't Hold It, You Don't Own It

 20:36 End of Fed Independence

31:06 Chaos By Design

32:56 BRICS Versus the West

https://www.youtube.com/watch?v=Cd6BIcPn9OI

Seeds of Wisdom RV and Economics Updates Friday Morning 12-19-25

Good Morning Dinar Recaps,

De-Dollarization Comes in Cycles, Not a One-Way Path: U.S. Fed
Federal Reserve research shows dollar dominance rises and falls in waves — not a straight decline

Overview

• Dollar dominance is cyclical, not linear
Federal Reserve research shows the U.S. dollar’s role in global debt markets expands and contracts over long cycles rather than permanently declining.

• De-dollarization narratives oversimplify reality
Despite rising rhetoric, historical data suggests dollar usage rebounds after downturns.

• Alternatives face liquidity and trust limits
China’s renminbi and other currencies lack the scale, openness, and confidence needed to displace the dollar.

• A multipolar system may emerge — not dollar collapse
The future points toward more currencies used in trade, with the dollar still at the center.

Key Developments

Dollarization Waves Identified by the Fed
The Federal Reserve paper Dollarization Waves: New Evidence from a Comprehensive International Bond Database analyzes over 60 years of global bond issuance. It finds repeated cycles where dollar usage rises, retreats, and then resurges — challenging the idea of a permanent shift away from the dollar.

De-Dollarization Momentum Faces Structural Barriers
While de-dollarization efforts have gained traction over the last two decades, the study shows that most developing nations still borrow heavily in U.S. dollars, reinforcing dollar demand during financial stress.

RMB Expansion Falls Short of Displacement
China has pushed the renminbi as a global alternative, but limited convertibility, capital controls, and trust concerns restrict its international adoption compared to the dollar.

Dollar Still Anchors Global Reserves
The U.S. dollar remains the dominant reserve currency worldwide. Even as its share fluctuates, no competing currency has matched its liquidity, legal transparency, and global acceptance.

Why It Matters

This research reframes the global currency debate. Rather than signaling the end of dollar dominance, current de-dollarization trends resemble past cycles that eventually stabilized or reversed. Understanding these patterns is critical as markets adjust to shifting trade alliances, rising geopolitical risk, and evolving monetary systems.

Why It Matters to Foreign Currency Holders

Foreign currency holders should recognize that dollar pullbacks historically create volatility — not replacement. Periods of diversification often precede renewed dollar demand during crises, debt servicing, and capital flight events.

Implications for the Global Reset

Pillar 1: Cyclical Dollar Power
The dollar’s dominance adapts rather than disappears, reinforcing its role during global stress while allowing room for diversification in calmer periods.

Pillar 2: Controlled Multipolar Transition
The global system is moving toward broader currency usage in trade and settlement — but without dismantling the dollar-based financial architecture.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – “De-Dollarization Comes in Cycles, Not a One-Way Path: US Fed”
  

• Federal Reserve – “Dollarization Waves: New Evidence from a Comprehensive International Bond Database”

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BRICS Bloc Counters Trump: China and Russia Back Venezuela
Beijing and Moscow signal resistance as U.S. pressure on Caracas escalates

Overview

• BRICS pushes back against U.S. pressure
China and Russia publicly back Venezuela as Washington escalates sanctions, seizures, and military deployments.

• Trump orders aggressive oil enforcement
The U.S. announces a blockade of sanctioned Venezuelan oil tankers and seizes vessels tied to sanctions violations.

• Diplomatic lines harden into blocs
Statements from Xi Jinping and Vladimir Putin underscore a widening geopolitical divide.

• Global markets face rising instability risks
Energy supply fears and military posturing raise volatility concerns.

Key Developments

Trump Announces Blockade and Seizures
President Trump ordered what he called a “total and complete blockade” of sanctioned Venezuelan oil tankers. U.S. forces seized vessels allegedly tied to sanctions breaches and drug trafficking, intensifying tensions in the Caribbean and threatening oil supply flows.

China and Russia Issue Firm Support Statements
Russian President Vladimir Putin wrote directly to President Nicolás Maduro, expressing confidence Venezuela would defend its legitimate interests. Chinese President Xi Jinping went further, categorically rejecting external interference and pledging continued support for Venezuela’s sovereignty and stability.

Military Posture Escalates in the Region
The U.S. deployed a nuclear-powered submarine, surveillance aircraft, and approximately 15,000 troops to the Caribbean. Strikes on vessels allegedly involved in illicit activity reportedly resulted in dozens of deaths, heightening fears of miscalculation.

BRICS Solidarity Meets Practical Limits
While Russia and China signal diplomatic backing, analysts caution against expectations of direct military involvement. Officials emphasize political support and deterrence rather than escalation, reflecting competing priorities elsewhere.

Why It Matters

The standoff highlights how geopolitical power is fragmenting into competing blocs. As sanctions, blockades, and counter-alliances multiply, energy markets, trade routes, and diplomatic norms face sustained pressure, accelerating global realignment.

Why It Matters to Foreign Currency Holders

Escalating sanctions and military risk increase volatility in oil-linked currencies, emerging market assets, and reserve allocations, reinforcing the need for diversification amid geopolitical stress.

Implications for the Global Reset

Pillar 1: Bloc-Based Power Alignment
BRICS coordination reflects a shift away from unilateral U.S. dominance toward competing centers of influence.

Pillar 2: Energy and Sanctions as Financial Weapons
Oil blockades and asset seizures underscore how control of trade and finance is central to modern geopolitical strategy.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – “BRICS Bloc Counters Trump: China and Russia Back Venezuela”
  

• Newsweek – “China and Russia Pledge Support for Venezuela Amid U.S. Pressure”
  

~~~~~~~~~~

🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.

For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:

• No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents.

    Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News

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

15 Tactics to Encourage Financial Independence in Adult Kids

15 Tactics to Encourage Financial Independence in Adult Kids

Wealthy Single Mommy  Creator   Sat, November 8, 2025

The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

Your basement dweller is 28. Your kitchen raider is 32. You’re ready to travel but can’t afford it because someone else’s phone bill, car insurance, and grocery habit are eating your budget alive. You’re not alone in this mess. One in three American adults aged 18-34 live with their parents, and it’s hitting record highs not seen since the 1940s. While high housing costs and student debt averaging $38,375 per borrower make launching harder than when we were young, that doesn’t mean you should accept permanent dependency. The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

1. Draft a Real Living Agreement With Actual Consequences

Verbal agreements are worthless when money and family mix. Write down house rules, financial expectations, chore assignments, and deadlines. Include both signatures and schedule quarterly reviews. Make it collaborative, not dictatorial, but ensure consequences exist for non-compliance. When families skip the paperwork, arguments multiply and expectations get fuzzy. A written contract removes the guesswork and gives you both something concrete to reference when things get heated.

2. Charge Rent That Reflects Reality

Start with $200-400 monthly for employed adults, increasing by $100 every six months. If they’re jobless, require 20 hours weekly of household work or community service instead. The specific amount matters less than establishing the principle that adults contribute to their living expenses. Consider saving their rent payments secretly for their future apartment deposit while teaching them monthly budget responsibility right now.

3. Master the Three-Question Test Before Opening Your Wallet

Before handing over any cash, ask yourself three critical questions. How will this affect my own financial security? What impact will this have on our relationship and their dependency patterns? Which lesson are they missing by not solving this problem themselves? Financial expert Jini Thornton found that over 25% of parents now assist adult children up to age 33, often sacrificing retirement security. Make them present solutions, not just problems.

4. Transfer Financial Responsibility Gradually

Begin with one bill in Year 1, maybe their cell phone or streaming services. Add 2-3 more expenses every six months, moving from discretionary spending like entertainment to essential expenses like groceries and utilities. The final step involves housing contributions. This gradual approach prevents overwhelming them while building genuine money management skills. Most successful independence transitions take 18-24 months when done properly.

If you’re children aren’t all that financially savvy, you could sign them up for an economics course for kids that will guide them on building their money skills and independence.

5. Set Clear Job Search Expectations With Tracking

Require minimum weekly applications, starting with 2-3 per week rather than daily grinding that leads to burnout. Track efforts in a shared spreadsheet showing company names, positions, and outcomes. Help with resume reviews and interview practice, but never make calls or submit applications for them. If they resist job hunting, mandate volunteer work to build skills and references.

6. Establish Age-Appropriate Financial Independence Benchmarks

Young adults should cover 1-2 major expenses independently by age 24. By 25-29, they should handle half their living costs. Complete self-sufficiency should be the goal by ages 30-34. Research shows only 16% of 18-24 year olds achieve complete financial independence, rising to 44% by ages 25-29 and 67% by ages 30-34. Use these benchmarks as realistic targets, not impossible demands.

7. Implement Consequences That Actually Matter

TO READ MORE:  https://www.yahoo.com/creators/lifestyle/story/15-tactics-to-encourage-financial-independence-in-adult-kids-105224295.html

“Tidbits From TNT” Friday Morning 12-19-2025

TNT:

Tishwash:  A parliamentarian reveals the difficulty of meeting the demands of the protesting engineers due to the budget.

MP Haider Al-Salami stated on Thursday that the demands of the protesting engineers have not been met for more than four months, despite his addressing the Prime Minister to include their rights to appointment within the budget amendments .

Al-Salami explained in a statement received by Al-Sa’a Network that “the Ministry of Finance was unable to implement the request due to the budget law before the amendment,” noting that “this reflects the difficult financial situation the country is going through as a result of previous wrong financial policies.”   link

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Tishwash:  Prime Minister Mohammed Shia' al-Sudani chairs a special meeting on the oil and gas sectors.

Prime Minister Mohammed Shia Al-Sudani chaired a special meeting on Wednesday concerning the oil and gas sectors, in the presence of the Ministers of Oil and Finance, a number of advisors, and senior staff from the Ministry of Oil and SOMO.

His Excellency affirmed the government's intention to review the financial and economic aspects and raise the efficiency of the Ministry of Oil's sectors, as they are the main source of revenue for the state's general budget.

The meeting discussed plans to develop crude oil production and exports, as well as efforts to achieve self-sufficiency and export petroleum products, and to determine the rates of local consumption.

The meeting addressed the localization of industries necessary for the oil sector, and the development of national capabilities in the public and private sectors in the fields of drilling, extraction, mechanical engineering, and others, in order to rely on national personnel in these aspects.  link

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Tishwash:  Nasiriyah goes digital... FTTH fiber optic internet has reached Al-Jubayish

The IT manager is optimistic

 Nasiriyah is nearing a complete digital transformation, a goal pursued by a department called the "Digital Transformation Center," as confirmed by Hussein Muhi Hariz, Director of Communications and Information Technology in Dhi Qar.

He tells 964 Network that the FTTH (Fiber to the Home) internet has reached all areas of Dhi Qar, even Al-Jubayish in the south and Al-Fajr in the north. Nasiriyah has reached 98% completion, making Dhi Qar the second most successful governorate after Baghdad.

 With the arrival of this service, experts and officials expect the era of poor internet in Iraq to end, eliminating the need for wireless internet and its many problems. However, tower owners have a different opinion, and 964 Network has previously documented their repeated protests

Hussein Muhi Hariz - Director of Communications and Information Technology in Dhi Qar, for 964 Network :

The number of subscribers to the fiber optic cable service has reached 85,000 in Dhi Qar, after the service was non-existent or at a low level, and most of the districts and sub-districts have been covered, and it is in a state of continuous development.

There are projects between Dhi Qar and neighboring governorates such as Muthanna, Basra, Maysan, Wasit and Diwaniyah, which are related to international projects and capacity transfer and are currently under implementation. There are also other projects to provide protection routes to ensure that communication service in the governorate is not interrupted.

Previously, only one company was responsible for the (FTTH) project, and now there are two companies. The completion rate in Nasiriyah has reached 98%, and it has been almost completely completed in one of the districts.

Most government departments have been equipped with internet services through e-government, and we have maintenance teams in three districts, North, South and the governorate center, to ensure that the internet service is not interrupted.

We have a committee specializing in promoting citizens’ subscription to (FTTH) services, which offer services that are much better than “wireless” services, as they are secure and of high quality, and most of our staff are trained to respond quickly in case of any damage.

The terrain of Dhi Qar is different from others due to the presence of marshes and agricultural lands, and this is the biggest challenge.

Interaction is ongoing between government departments, and we do not start any project until we have obtained approvals from the relevant departments to prevent conflicts.

The Minister of Communications took it upon herself to equip schools with free internet, and Dhi Qar was in second place after the capital, Baghdad, with 300 schools and the number is increasing.

We have completed 98 communication booths in Nasiriyah Central Prison and the Correctional Prison to provide a secure communication service, under the supervision of the competent security agencies to ensure that inmates can contact their families.

Dhi Qar Governorate is distinguished by the presence of e-government. It is the first governorate in Iraq to work on the subject of e-government, and the Digital Transformation Center has been activated and opened in the governorate. God willing, the future will be better for activating e-government and the official government email.

Even districts far from Nasiriyah, such as Al-Jubayish district (90 km south) and Al-Fajr district (120 km north), were included in the (FTTH) services and the service reached them.  link

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Mot:  a Motisum!! -- How to Get Rid of Junk  

Mot: I Finded Him I Dids!!!!

FRANK26….12-18-25……GOOD GUYS VS BAD GUYS

Thursday Night Video

FRANK26….12-18-25……GOOD GUYS VS BAD GUYS

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=Jirt8gnqxFQ

Iraq Economic News and Points To Ponder Thursday Evening 12-18-25

Al-Waeli Meets With A UN Delegation And Confirms: Border Crossings Are Undergoing A Broad Digital Transformation Through The Introduction Of Modern Technologies

Thursday, December 18, 2025 | Politics Number of views: 242   Baghdad / NINA / The Head of the Border Ports Authority, Omar Adnan Al-Waeli, received an official delegation from the International Trade Centre (ITC), a United Nations agency based in Switzerland.

The delegation was headed by Pierre Bonthoneau, Director of the Trade and Investment Facilitation Division, and included the Director of Trade Facilitation and Digital Transformation Programs and a Trade Policy Advisor. The meeting aimed to enhance cooperation and facilitate international trade.

Al-Waeli provided a detailed explanation of the Authority's work and efforts to maximize non-oil revenues and combat smuggling in all its forms. He emphasized that the Authority is undergoing a significant digital transformation through the introduction of modern technologies, data exchange among relevant stakeholders, the networking of sonar systems at all border crossings, and the activation of cross-border trade according to the TIR system.

Al-Waeli stressed the continued commitment to strengthening security and stability at border crossings, which will positively impact the volume of trade in Iraq and facilitate international trade.

For their part, the delegation members commended the Authority's measures in the areas of governance and electronic oversight, and expressed their admiration for the efforts exerted in combating smuggling and reconstructing border crossings. They affirmed their readiness to provide technical and training support to enhance the Authority's technical capabilities.

This visit reflects the International Trade Centre's interest in strengthening cooperation with the Border Ports Authority, with the aim of improving operational efficiency and promoting stability and economic development. /End
https://ninanews.com/Website/News/Details?Key=1267327

Gold Catches Its Breath Near The Peak, While Silver Continues To Approach Historic Highs.

Economy | 18/12/2025   Mawazin News - Follow-up:  Gold prices stabilized while silver approached record highs on Thursday, supported by dovish signals from the Federal Reserve, ahead of key US inflation data due later this week.

Spot gold fell 0.2% to $4,332.29 per ounce by 02:56 GMT, after rising more than 1% late in Wednesday's session.
US gold futures also declined 0.2% to $4,364.70 per ounce.

The dollar index held onto its earlier gains after hitting its highest level in nearly a week, putting pressure on dollar-denominated gold prices.

In contrast, spot silver rose 0.2% to $66.44 per ounce, after reaching a record high of $66.88 in the previous session.
Silver has gained approximately 129% since the beginning of the year, surpassing gold's 65% gain, supported by strong industrial demand, investor interest, and declining inventories.

Data released earlier in the week showed the US unemployment rate rising to 4.6% in November, its highest level since September 2021, reinforcing expectations of continued accommodative monetary policy.
https://www.mawazin.net/Details.aspx?jimare=271732

Basra Crude Oil Price Falls Despite Global Rise

Thursday, December 18, 2025, | Economy Number of views: 271   Baghdad / NINA / Prices of Basra Heavy and Basra Medium crude oil fell on Thursday, despite rising global oil prices.

Basra Heavy crude dropped 50 cents, or 0.88%, to $56.42, while Basra Medium crude fell 50 cents, or 0.84%, to $58.97. Global oil prices rose following reports that the United States is preparing to impose new sanctions on Russia's energy sector if Moscow does not agree to a peace deal with Ukraine.

This comes as markets assess supply risks stemming from the US blockade on Venezuelan oil tankers.   https://ninanews.com/Website/News/Details?key=1267322

Again, The Dollar Is Declining Slightly In Baghdad.

12/18/2025  Mawazin News – Baghdad:  The exchange rate of the US dollar against the Iraqi dinar fell slightly this morning in Baghdad's markets.

The dollar dropped in Baghdad's main exchange bureaus, Al-Kifah and Al-Harithiya, to 142,600 dinars per 100 dollars, compared to 142,700 dinars per 100 dollars yesterday, Wednesday.

The selling price at currency exchange shops in Baghdad's local markets also decreased, reaching 143,000 dinars per 100 dollars, while the buying price was 142,000 dinars per 100 dollars.  https://www.mawazin.net/Details.aspx?jimare=271739

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

Evening News with MarkZ, joined by Dr. Scott Young. 12/18/2025

Evening News with MarkZ, joined by Dr. Scott Young. 12/18/2025

MZ: A little news out of Iraq before Dr. Scott Young joins us.

MarkZ Disclaimer: Please consider everything on this call as my opinion. Be sure to consult a professional for any financial decisions 

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

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THANK YOU ALL FOR JOINING. HAVE A BLESSED NIGHT! SEE YOU ALL IN THE MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!

FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:     https://www.youtube.com/watch?v=PlEBJ13GJ7Y

Stephanie Starr: Connect the Dots, this is Getting Interesting

Stephanie Starr: Connect the Dots, this is Getting Interesting

12-17-2025

Stephanie Starr @StephanieStarrC

CONNECT THE DOTS… THIS IS GETTING INTERESTING

Iraq’s PM just ordered a re-evaluation of state spending — senior salaries, allowances, and unified pay scales — while officials admit oil alone can’t cover salaries and expenses anymore.

That’s not panic…

That’s pre-reform behavior.

When a country:

Reviews salaries
Tightens budgets
Talks about “other alternatives”
Refuses devaluation
And pushes banking & fiscal reform

…it’s usually preparing for a NEW financial framework, not collapse.

Media says “currency crisis” — but insiders know this looks more like:

• Structural pressure

• Fiscal stress-testing

• Justification for BIG moves

And let’s not forget:

• Banking reform is underway

• Digital systems are rolling out

• Budget laws & emergency mechanisms are in place

• International eyes are watching closely

This feels less like IF and more like WHEN Pressure + Preparation = Change

The pieces are moving… stay sharp.

Look below for more information that came out today.

THIS IS NOT SMALL. THIS IS HISTORIC.

The U.S. just voted to repeal the 1991 & 2002 war authorizations against Iraq — officially ending the legal framework of war.

Let that sink in.

• No war status

• No sovereign-risk excuse

• No more “post-conflict” label

AND ON THE SAME DAY

U.S. lawmakers meet with the Special Envoy for Iraq to discuss Iraq’s future — not war, but rebuilding, sovereignty, and independence.

Meanwhile:

Iraq is tightening budgets
Reviewing spending
Reforming banks
Refusing devaluation
Ending decades-old restrictions

This is what chapter-closing looks like.

This is what pre-normalization looks like.

This is what systems reset before value changes look like.

Watch actions, not hype. The legal, political, and economic doors are opening — fast.

Source(s): https://x.com/StephanieStarrC/status/2001473014471205316

https://dinarchronicles.com/2025/12/18/stephanie-starr-connect-the-dots-this-is-getting-interesting/

Seeds of Wisdom RV and Economics Updates Thursday Afternoon 12-18-25

Good Afternoon Dinar Recaps,

🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.

For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:

• No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents.

    Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News

~~~~~~~~~~

Trump Backs Gas Deal in Middle East Peace Plan
U.S.-backed Israel–Egypt energy agreement strengthens regional power balance

Overview

• The Trump administration backed a landmark natural gas export deal between Israel and Egypt, positioning energy cooperation as a diplomatic bridge.

• The agreement is valued at approximately $35 billion, making it Israel’s largest gas export deal to date.

• Gas will be supplied from Israel’s Leviathan field to Egypt through 2040, supporting Egypt’s ambition to become a regional LNG hub.

• Washington views the deal as a step toward broader Middle East normalization, including renewed momentum behind the Abraham Accords.

Key Developments

• Israel will export approximately 130 billion cubic meters of natural gas to Egypt, with Chevron, NewMed Energy, and Ratio Petroleum as partners.

• U.S. diplomatic pressure helped finalize the agreement, after pricing concerns initially delayed approval.

• Egypt currently imports roughly 20% of its natural gas from Israel, highlighting Cairo’s growing reliance on cross-border energy flows.

• The deal is seen as a precursor to a possible Trump-Netanyahu-Sisi summit, expanding cooperation beyond security into economic integration.

Why It Matters
This gas agreement serves as a strategic economic anchor at a time of strained regional relations following the Gaza conflict. By tying Israel and Egypt together through long-term energy dependency, the U.S. is advancing a pragmatic peace framework that relies on economic incentives rather than political guarantees alone, reshaping regional power dynamics while countering Iranian influence.

Why It Matters to Foreign Currency Holders

• Large-scale energy contracts drive sustained foreign-exchange flows, reinforcing demand for settlement currencies used in gas trade.

• Israel’s export revenues may support currency stability, strengthening fiscal inflows tied to long-term contracts.

• Egypt’s need to finance energy imports affects reserve management, influencing demand for hard currencies and FX liquidity.

• Regional energy integration can reduce volatility, making Middle Eastern currencies more attractive to foreign holders over time.

Implications for the Global Reset

• Pillar: Energy as Financial Leverage — Energy supply agreements increasingly replace military alliances as tools of influence.

• Pillar: Regional Currency Realignment — Long-term trade flows reshape FX demand and reserve strategies beyond Western markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Newsweek – “Trump Backs Gas Deal in Middle East Peace Plan”
  

• Reuters – “Israel approves natural gas export deal with Egypt, Netanyahu says”

~~~~~~~~~~

BRICS Enters Second Stage of Expansion
Alliance signals deeper integration, partner-state pathway, and sustained global realignment

Overview

• BRICS has officially entered a second stage of expansion, confirmed by Russia’s BRICS Sherpa Sergey Ryabkov.

• No fixed timeline or list of incoming countries was provided, underscoring strategic flexibility. 

• A new “partner state” category has emerged, enabling cooperation with a broader set of states without full membership rights. 

• Russia’s 2023 Chairmanship oversaw the first major expansion, integrating new members smoothly. 

Key Developments

• Partner-state status allows staged entry and influence without full accession, broadening BRICS reach. 

• Indonesia joined as a full member in January 2025, bringing the bloc to ten members. 

• Expanded membership and partners now represent a significant share of global population and economic activity, enhancing geopolitical weight. 

• BRICS declarations from recent summits highlight longer-term cooperative agendas, including finance, trade, and political coordination. 

Why It Matters
BRICS’ evolution from an informal dialogue forum to a structured, multi-tiered bloc marks a shift in the architecture of global governance. Expansion strengthens the bloc’s bargaining position in international forums, amplifies non-Western economic influence, and promotes alternatives to existing global norms dominated by Western institutions.

Why It Matters to Foreign Currency Holders

• Reduced reliance on the U.S. dollar: BRICS members and partners have increasingly emphasized local-currency trade and settlement systems, expanding cross-border transactions outside the dollar’s dominance. 

• Alternative payment systems: Developments like interconnected BRICS payment mechanisms aim to facilitate settlements in national currencies, which can reduce exchange risk for holders of BRICS-linked currencies. 

• Diversification of FX exposure: As BRICS countries and partners deepen financial cooperation, foreign investors and reserve managers may find incentives to diversify portfolios toward BRICS currencies and instruments, potentially altering global FX demand dynamics. 

• Long-term de-dollarization trends: Though a unified BRICS currency is not imminent, the collective push toward local-currency usage and alternative systems could reduce dollar dominance over time, reshaping foreign exchange landscapes for holders globally. 

Implications for the Global Reset

• Pillar: Multipolar Governance — BRICS’ structured expansion supports a redistribution of global power away from unipolar Western systems.

• Pillar: Financial System Diversification — Sustained local-currency use and alternative settlement mechanisms lay groundwork for a more pluralistic international monetary system.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher Guru – “BRICS Enters Second Stage of Expansion”

• BelTA – “Ryabkov: BRICS enters new expansion phase”

~~~~~~~~~~

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

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Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Thursday Afternoon 12-18-25

Central Bank Governor: Weak Economic Diversification Is Putting Pressure On The Dollar And The Exchange Rate

Banks   Economy News – Baghdad   The Governor of the Central Bank of Iraq, Ali Al-Alaq, confirmed that the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate.

Al-Alaq explained, during a lecture on development financing in light of the global debt crisis, held on the sidelines of the Fifth Regional Conference of the Al-Baraka Forum for Islamic Economics, which is being held in Cairo in partnership with the General Secretariat of the League of Arab States, that “the Iraqi scene is facing intertwined pressures and accumulated infrastructure and development challenges, which require diversifying the economy and maximizing public revenues,” noting that “public finances in Iraq depend on oil exports by more than 90%, which is an unconventional source subject to fluctuations in global prices, which leads to fluctuations in revenues and weak financial stability, which necessitates finding structural solutions.”

He explained that “the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate, especially with the rise in purchasing power and the increase in daily demand for foreign currency, which directly affects monetary policy, which has achieved great success in balancing the maintenance of price levels, managing liquidity, and stimulating the economy.”

He pointed out that "public spending pressures, particularly on salaries, subsidies and basic services, pose an additional challenge," stressing "the difficulty of reducing these expenditures due to the potential social repercussions, at a time when the central bank is striving to avoid inflation and maintain monetary stability to protect the social structure of the country."

Al-Alaq pointed out that “Iraq has been able in recent years to finance part of the financial deficit through the development of non-oil revenues, while continuing to coordinate with the Prime Minister with the aim of maximizing these resources and reducing dependence on oil,” in an effort to break what he described as the “financial dominance” of oil revenues over the general budget.

The governor of the Central Bank affirmed that "the stability of the exchange rate is a pivotal goal, as it provides a safe cover for investors and citizens," noting that "Iraq has succeeded in raising the size of foreign reserves and linking them to a package of integrated monetary policies, which have contributed to reducing the inflation rate to about 1%, which is among the lowest levels recorded."

He added that "Iraq is in the process of governing the banking sector," revealing that "an update is underway in cooperation between the Central Bank and an international company for a comprehensive reform plan, which includes reviewing bank licenses according to new conditions and standards, in order to strengthen the banking system and raise its efficiency."

Regarding Islamic bonds, Al-Alaq explained that "there are no Islamic bond instruments in Iraq yet," noting that "there is an integrated project submitted by the Central Bank to the Iraqi Parliament for voting, which opens new horizons for financing and investment."

On the issue of debt, Al-Alaq stressed "the need to find an organized and continuous international dialogue between creditors and debtors," calling for "the establishment of a regional platform to organize this dialogue and reduce the gap between the two parties, in order to ensure negotiations without significant losses, and to contribute to the implementation of reforms and the strengthening of the economic base with the support of the participating countries."

He pointed to “international studies showing that losses in the debt file may range between 20% and 25% as a result of poorly considered financing conditions or delays,” stressing that “negotiating platforms contribute to reducing these losses and enhancing international cooperation by improving debt conditions, bridging the information gap, and exchanging experiences in economic reform processes.”  https://economy-news.net/content.php?id=63504

Monetary Policy Indicators Confirm The Central Bank Will Be First In 2025

Samir Al-Nassiri    In countries that adopt an institutionally managed economic system, each institution retains its independence and authority to manage economic affairs according to the methodology and philosophy that aims to achieve economic stability and the well-being of society.

Therefore, central banks receive special attention in most countries of the world as the sovereign and prudent economic institution concerned with achieving the above goal through the application of monetary policy tools and the realization of its objectives.

With the approach of the end of 2025 and the beginning of 2026, and following a review and analysis of the policies, programs, and procedures implemented by the Central Bank of Iraq in 2025—a year of political and economic challenges and crises, and numerous changes at the global and regional levels, which negatively and positively impacted the Iraqi economy—the Central Bank demonstrated its wisdom and efficiency in overcoming challenges and moving forward to achieve its objectives set for the next three years.

It also proved to be the leading economic institution in 2025. On this occasion, we must appreciate the outstanding efforts made by the specialized administrative and technical leaders and distinguished employees of the Central Bank who contributed effectively to the implementation of what was stated in the government program in Axis 12 (Financial and Banking Reform) during the years (2023-2025) and the Central Bank’s third strategy and the comprehensive banking reform project.

The launch of the financial inclusion strategy, the promotion of digital transformation, the activation of electronic payments, and the strengthening of cybersecurity.

The Central Bank was able to achieve economic growth and stability in extremely complex economic, security, and political conditions, and was able to implement developmental, structural, and technological policies and programs, and take numerous measures in cooperation with the government to regulate foreign trade financing, control foreign transfers, integrate into the global financial and banking system, comply with international standards, and move to the electronic platform.

Achieving the main and sub-goals of its third strategy and starting to implement the comprehensive banking reform project according to the paths drawn up in cooperation with the global consulting firm Oliver Wyman to enable the banking sector to grow and develop and to be a solid, comprehensive, modern and flexible sector that works hard to build a rapidly growing national economy, contributes to development and investment, creates a cumulative increase in the gross domestic product, provides one million job opportunities for the unemployed, raises the market value of the private banking sector and achieves rewarding and sustainable returns for its investors.

 In addition to increasing foreign investment and achieving growth in financial inclusion, financing and deposits.

Analysis of monetary policy indicators as of the third quarter of 2025 indicates the building of foreign exchange reserves of around $100 billion. Gold reserves at the Central Bank recorded a significant growth rate of (64%), reaching a value of (27.552) billion dinars, equivalent to (173) tons during the same period, compared to a value of (16.817) billion dinars in the second quarter of 2024.

The decrease in the issued currency contributed to a decrease in the inflation rate, which maintains the stability of the general price level, as the currency issued by the Central Bank recorded a decrease in the rate of (5.50%), reaching (99.681) billion dinars during the same period, compared to a value of (104.127) billion dinars in the second quarter of 2024.

The decrease in the inflation rate also indicates a decrease in the general price level, as inflation recorded a low rate of (76%), reaching (0.8%) compared to the second quarter of 2024, which reached (3.5%). This confirms that the Central Bank was able to build basic pillars for monetary and economic stability and achieve the most important objectives of monetary policy.

Therefore, I believe, with complete impartiality and transparency, that we should stand in respect for the efforts of the Central Bank and its distinguished staff who achieved the above accomplishments, and I hope that those efforts will be evaluated, which is a legitimate entitlement.   https://economy-news.net/content.php?id=63555

Government Advisor: The Government Is Capable Of Managing Public Liquidity While Promoting Fiscal Reform

Economy | 18/12/2025   Mawazin News – Baghdad:  The Prime Minister's economic advisor, Mazhar Muhammad Salih, affirmed that the government is capable of securing the necessary liquidity for public spending in the near term, relying on the nature of the Iraqi economy as a generator of financial resources, despite fluctuations in oil prices and their impact on budget revenues.

Salih explained that spending financing mechanisms will continue within the framework adopted in recent months, including employee salaries and current and investment expenditures, clarifying that this is possible as long as financial resources continue to be managed in the current manner.

He pointed out that achieving financial sustainability requires the immediate commencement of structural reforms that ensure the continuity of the financial system and its ability to withstand economic changes. He added that financial reform is based on controlling public spending, maximizing non-oil revenues, and managing the deficit in accordance with the requirements of financial sustainability.

Salih emphasized that these directions align with the priorities of the reform paper discussed by the Ministerial Council for the Economy at its meeting on December 15, and the decisions and recommendations it included that strengthen comprehensive financial reform.   https://www.mawazin.net/Details.aspx?jimare=271754

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

“Tidbits From TNT” Thursday 12-18-2025

TNT:

Tishwash:  Al-Alaq: We succeeded in increasing the size of foreign reserves and curbing inflation.

The Governor of the Central Bank of Iraq, Dr. Ali Al-Alaq, affirmed that maintaining financial and banking stability, public financial sustainability, and curbing inflation are among the most difficult challenges facing countries, and cannot be achieved without operating the various economic sectors, especially in light of global economic and financial complexities.

Al-Alaq explained, during a lecture on development financing in light of the global debt crisis, held on the sidelines of the Fifth Regional Conference of the Al-Baraka Forum for Islamic Economics, which is being held in Cairo in partnership with the General Secretariat of the League of Arab States

And which was attended by Al-Sabah newspaper, that “the Iraqi scene is facing intertwined pressures and accumulated infrastructure and development challenges, which require diversifying the economy and maximizing public revenues,”

Noting that “public finances in Iraq depend on oil exports by more than 90%, which is an unconventional source subject to fluctuations in global prices, which leads to fluctuations in revenues and weak financial stability, which necessitates finding structural solutions.”

He explained that “the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate, especially with the rise in purchasing power and the increase in daily demand for foreign currency, which directly affects monetary policy, which has achieved great success in balancing the maintenance of price levels, managing liquidity, and stimulating the economy.”

He pointed out that "public spending pressures, particularly on salaries, subsidies and basic services, pose an additional challenge," stressing "the difficulty of reducing these expenditures due to the potential social repercussions, at a time when the central bank is striving to avoid inflation and maintain monetary stability to protect the social structure of the country."

Al-Alaq pointed out that “Iraq has been able in recent years to finance part of the financial deficit through the development of non-oil revenues, while continuing to coordinate with the Prime Minister with the aim of maximizing these resources and reducing dependence on oil,” in an effort to break what he described as the “financial dominance” of oil revenues over the general budget.

The governor of the Central Bank affirmed that "the stability of the exchange rate is a pivotal goal, as it provides a safe cover for investors and citizens," noting that "Iraq has succeeded in raising the size of foreign reserves and linking them to a package of integrated monetary policies, which have contributed to reducing the inflation rate to about 1%, which is among the lowest levels recorded."

He added that "Iraq is in the process of governing the banking sector," revealing that "an update is underway in cooperation between the Central Bank and an international company for a comprehensive reform plan, which includes reviewing bank licenses according to new conditions and standards, in order to strengthen the banking system and raise its efficiency."

Regarding Islamic bonds, Al-Alaq explained that "there are no Islamic bond instruments in Iraq yet," noting that "there is an integrated project submitted by the Central Bank to the Iraqi Parliament for voting, which opens new horizons for financing and investment."

On the issue of debt, Al-Alaq stressed "the need to find an organized and continuous international dialogue between creditors and debtors," calling for "the establishment of a regional platform to organize this dialogue and reduce the gap between the two parties, in order to ensure negotiations without significant losses, and to contribute to the implementation of reforms and the strengthening of the economic base with the support of the participating countries."

He pointed to “international studies showing that losses in the debt file may range between 20% and 25% as a result of poorly considered financing conditions or delays,” stressing that “negotiating platforms contribute to reducing these losses and enhancing international cooperation by improving debt conditions, bridging the information gap, and exchanging experiences in economic reform processes.”  link

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

Tishwash: ***ATM machine arrived in Hajiawa district for the first time

The first ATM was installed in Hajiawa district of Raperin Autonomous Administration on Thursday, December 18,

This device is dedicated to serving salaried employees, while those who have “my account”, can now withdraw their salaries in their district without having to go outside Hajiawa.

This step will provide great convenience to the citizens of the region and reduce the pressure on the banks of the central administration of Raperin.

It is worth mentioning that the “My Account” project is a strategic project of the Kurdistan Regional Government to digitize the salary payment system and switch from cash to banking.

Currently, several banks are participating in the “My Account” project and salaried employees can open bank accounts through them, namely:

Cihan Bank: One of the private banks active in this project.

RT Bank: Involved in providing banking services to employees.

Iraqi Islamic Bank: Provides services to salaried employees.

BBAC Bank: It is one of the Lebanese banks operating in the region and participating in the project.

NBI (National Bank of Iraq): One of the banks with the most branches in the provinces.  link

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

Tishwash: Iraq seeks coordination with the International Trade Centre to enhance trade exchange

Border crossings statement

 The head of the Border Ports Authority, Omar Al-Waeli, discussed on Thursday ways to enhance cooperation and facilitate international trade during his reception of an official delegation from the United Nations International Trade Centre, coming from Switzerland, headed by Pierre Bonthonno, Director of the Trade and Investment Facilitation Department, and Director of Trade Facilitation and Digital Transformation Programs and Trade Policy Advisor.

Network Statement from the Border Ports Authority

The Chairman of the Border Ports Authority, Lieutenant General Dr. Omar Adnan Al-Waili, received an official delegation from the United Nations International Trade Centre, coming from Switzerland, headed by Ms. Pierre Bonthonno, Director of the Trade and Investment Facilitation Department, the Director of Trade Facilitation and Digital Transformation Programs, and a Trade Policy Advisor, with the aim of strengthening cooperation and facilitating international trade.

The Chairman of the Authority provided a detailed explanation of the Authority’s work and efforts in maximizing non-oil revenues and combating smuggling in all its forms, stressing that the Authority is witnessing a broad digital transformation through the introduction of modern technologies, data exchange between the relevant working parties, networking of sonars at all border crossings, and activating cross-border trade according to the TIR system, with direct follow-up and supervision from the Prime Minister.

Al-Waeli stressed the continued hard work to enhance security and stability at border crossings, which will positively impact the increase in trade exchange in Iraq and facilitate international trade.

For their part, the members of the delegation praised the measures taken by the Authority in the field of governance and electronic oversight, and expressed their admiration for the efforts it is making in the field of combating smuggling and rebuilding border crossings, stressing their readiness to provide technical and training support to improve the Authority’s technical capabilities.

This visit reflects the International Trade Centre’s interest in strengthening cooperation with the Border Ports Authority with the aim of improving work efficiency and promoting stability and economic development.  link

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

Mot: ole ""Motisums"" Facts bout - ""Christmas is in the air""

Thursday Coffee with MarkZ. 12/18/2025

Thursday Coffee with MarkZ. 12/18/2025

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: Someone must make a song “All I want for Christmas is the RV”( like two front teeth?)

Member: So will the dong still go at the same time as the dinar?

MZ: Most people believe it will. I still believe that.

Member: Did you speak with Group leaders last night?

MZ: did I speak with a couple? Yes. Did I hear anything fun or new interesting? No.  

MZ: I just received a bond update before this podcast and I still have to process it. The jist of it is they still expect it at anytime and things are going well and “processing” but will probably be a few days….I still have to get into the details. I Will let you know this evening if I find anything different.

Member: Mark, do you believe the HCL will be voted in on the 29th by parliament? If so, doesn’t the rate need to be in place to approve those calculations?

Member: the fact that sudani came out an said they want hcl done this year tells me we are not waiting for 2026 to exchange

MZ: “Monetary Policy Indicators confirm Central Bank first in 2025” This means they have all the access to banking and monetary reform for the years of 2023 to 2025. They are telling us that they have completed…in 23 and 24 and 2025…that they have completed this massive reform that is soley designed to lift the purchasing power of the dinar. They are telling us they will finish the banking reforms during the rest of this month.

MZ: Another one on that theme: “ The Prime Minister chairs a special meeting to follow up on the Implementation of the governance of the comprehensive tax system” This is so they collect their customs ahead and smooths it foreign exchange process for dollars. They no longer have trucks pulling up in the back and not knowing where its going. They are modernizing the banking system. These are all part of the “White Paper Reforms”

Member: all the news on Iraq banking reform sounds like what we call the QFS system

MZ: “ Ports are witnessing a digital transformation after the introduction of modern technologies and sonar networking” So they are tracking everything from boats, to planes to trains to trucks . Again this is on the checklist of the reforms.

MZ: Another feel good article: “ We will make Iraq great again-Joe Wilson and Sayvaya shape the new American role” they are De-Iraning Iraq. Returning Iraq to a sovereign and healthy state without all of the Iran militias.

MZ: “ Electrical interconnection with the gulf is close to operation in Iraq” Another part of the White Paper reforms. They were importing gas from Iran and other countries in the region….this is changing to turkey and others ….and soon they hope to be exporting electricity in the future. This also elps remove Iranian influence.

Member: Mark, do you still think RV will happen around January 2nd?

MZ: I think it will …but no one knows the timing.

Member: I guess starting at the new year is logical….was just really hoping we would all have a special Christmas this year.

Member: On the backside of ForX it shows the dinar at $4.81 ..Some are saying that’s the rate coming forward again as it was in May 2025

Member: that would be a huge miracle for us all.

Member: There is a rumor that Trump to sign national defense authorization act tonight?

Member: MARK Damn My Ducks are definitely not in a row and some have gone missing. and I’m confident that a couple are not even Ducks

Member:  The RV is Happening At Continental Drift Speed ...

Member: Iraq isn't helping their own people with slow roll after decades!

Member:  A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort.

Member: Amen and LOL…..you can’t control what the world throws at us….but we can control how we react to it and deal with it.

Member: Sending holiday cheer to all……God Bless everyone this season.

MZ: I am traveling tomorrow. You will still have Mr. C and Zester. I am on with Dr. Scott Young at normal time tonight. May take Saturday off…..but besides Christmas Eve and New Years eve- which will be no podcast ….my schedule should be almost the same next week.

MZ: I will be visiting family and enjoying the holidays

Member: Safe Travels Mark….hope we all have a wonderful weekend.  We know you will do a podcast the minute the RV happens….so enjoy time with family for now.

Mod: BREAKING NEWS: MarkZ's WEEKEND email address: Don't Write Me@NeverOnWEEKENDS.Com SERIOUSLY, MARK NEEDS A LITTLE TIME FOR HIMSELF FOR REST AND REC. THANK YOU!

StacieZ joins the stream today. Please listen to the replay for her information

THE CONTENT IN THIS PODCAST IS FOR GENERAL & EDUCATIONAL PURPOSES ONLY&NOT INTENDED TO PROVIDE ANY PROFESSIONAL, FINANCIAL OR LEGAL ADVICE. PLEASE CONSIDER EVERYTHING DISCUSSED IN MARKZ’S OPINION ONLY

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Mod:  MarkZ "Back To Basics" Pre-Recorded Call" for Newbies 10-19-2022 ) https://www.youtube.com/watch?v=37oILmAlptM

MARKZ DAILY LINKS: https://theoriginalmarkz.com/home/

 Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

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Youtube:    https://www.youtube.com/watch?v=Xox9R54fopM