What To Do Before A Catastrophe Strikes

What To Do Before A Catastrophe Strikes

Retired professor, 75, fumbled to learn her finances when her husband died.

Moneywise   Vawn Himmelsbach  Tue, November 18, 2025

When Alice Stone Nakhimovsky’s husband, Alexander, passed away unexpectedly last year from a brain aneurysm, she lost more than her partner. She also lost every detail of their financial life.

The 75-year-old retired professor had written 11 books, yet she didn’t understand the language of finance. Her husband had always handled that side of things.

“It’s mostly because I have no interest in learning about investing,” Nakhimovsky told The Wall Street Journal (1).

She knew they had saved more than $1 million, but she didn’t understand how it was allocated or even how much she could safely spend each month to make it last through retirement. She also knew she was “a sitting duck” if she didn’t figure it out.

It took her a year to get everything sorted, and she now regrets not doing it earlier. After all, she said, “catastrophe can strike at any time.”

What’s At Stake

Women tend to live longer than men, which means they’re more likely to be widowed and more likely to need a bigger nest egg.

Life expectancy in the U.S. is 75.8 years for males and 81.1 years for females (2). A woman also has a 7-in-10 chance of outliving her husband, either due to life expectancy or marriage age gaps (3).

Yet, while 30% of high-earning heterosexual women in the U.S. are now the primary breadwinners, “less than half prefer that role,” according to UBS’s 2023 Own Your Worth report. Only half of those breadwinners engage in short- and long-term financial decisions (4).

“Less than half, 49%, of women primary earners in heterosexual relationships say they prefer that arrangement, compared to 87% of men breadwinners,” the report found.

TO READ MORE:  https://finance.yahoo.com/news/retired-professor-75-fumbled-learn-163000960.html

“Tidbits From TNT” Wednesday Morning 11-19-2025

TNT:

Tishwash:  Central Bank of Iraq: Net currency in circulation exceeds 92 trillion dinars in one month

The Central Bank of Iraq revealed on Tuesday that the net currency in circulation amounted to more than 92 trillion dinars during September 2025.

The bank stated in a statistic seen by Shafaq News Agency that the net currency in circulation amounted to 92.185 trillion dinars in September, down from 93.090 trillion dinars in August.

The bank added that the currency issued by it amounted to 99.681 trillion dinars, while the currency held by banks amounted to 7.496 trillion dinars.

The bank indicated that the issued currency is the money that the state prints through the central bank for the purpose of circulation, and it includes banknotes of paper and metal denominations circulating outside the vaults of the central bank.  link

Tishwash:  Dhi Qar: Announcement of a new batch of compensation checks under Article 140

The Committee for the Implementation of Article 140 of the Constitution announced today the release of a new batch of financial checks for beneficiaries of compensation, calling on citizens whose names are listed in the attached lists to visit the committee’s office in Baghdad to receive their previously issued checks before their expiry date.

The committee stated in a press release received by Nasiriyah News Network that the current batch includes 103 bank checks ready for disbursement. It emphasized the necessity for applicants to bring the required documents, which include valid and certified legal powers of attorney for 2025 with a barcode, a copy of the 2025 inheritance certificate, two copies of the identification documents for all heirs, and two personal photographs for each heir.

The committee stressed the importance of expediting the application process to ensure the checks are disbursed within the legal timeframe and to avoid the loss of rights due to the checks' expiration  link

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

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

The bank said in a statement, “The implementation of this transformation comes as part of the bank’s transition from the old MT standard to the MX ISO 20022 model, which is the most advanced, structured and data-rich framework in the global financial messaging sector. The transformation process was carried out across all operational channels with high efficiency and minimal downtime, reflecting the bank’s strong technical readiness, accurate planning, and commitment to providing its services without any significant interruption.” 

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

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

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

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

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

Mot:  . Wait for your turn!!! 

Mot:  I Do Try - But!!!  

Seeds Of Wisdom RV And Economics Updates Tuesday Evening 11-18-25

Good Evening Dinar Recaps,

Developing countries push the UN and multilateral banks for structural reforms that reflect modern realities.

Overview

• Global leaders are calling for more representative governance across institutions like the IMF, World Bank, and multilaterals.

• Developing economies argue that current structures do not reflect their economic weight, nor their exposure to global shocks.

• The UN highlighted the need for coherent, equitable financing frameworks capable of addressing debt, climate, and development challenges together.

Key Developments

• Proposals were made to scale up multilateral development banks, enabling more responsive support for emerging economies.

• Tax and financing reforms were debated, focusing on burden-sharing and modernizing revenue systems.

• Civil society and government leaders aligned in demanding deeper systemic reforms rather than incremental adjustments.

Why It Matters
This represents a historic challenge to post-WWII financial governance, signaling that the next era of global order may be shaped by broader participation and new institutional mandates.

Implications for the Global Reset

• Pillar 3: Financial Governance — A shift toward inclusive institutions could rebalance global decision-making.

• Pillar 5: Global Economic Order — Institutional reform is essential to stabilizing a multipolar world.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• United Nations – “Economic and Social Council Debates Global Financial Reform”

• World Economic Forum – “Reforming the Global Financial System for the 2030 Agenda”

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Digital Iron Curtain — Russia’s BRICS Tech Crackdown Redraws the Global Cyber Map

Sweeping restrictions on Google, Apple, and Samsung signal a decisive break from Western tech dominance.

Overview

• Russia accelerates plans to block Google, iOS, and major Western apps, citing national security risks tied to foreign intelligence agencies.

• New BRICS-aligned digital sovereignty rules tighten as Moscow restructures its entire tech environment.

• Domestic alternatives rise, reshaping user access, device manufacturing, and digital infrastructure.

Key Developments

• Russian lawmakers reaffirmed plans for a Google and Apple shutdown, expanding earlier restrictions on government officials using Western platforms.

• Major fines and compliance penalties escalated, including new court rulings targeting Google and TikTok.

• Apple and Samsung required to preinstall Russian software and adopt domestic search engines as default settings.

• Data localization enforcement intensified, forcing foreign companies to store all Russian user data on local servers.

• VPN apps and political content apps were removed from Apple and Google stores under government orders.

• Russia expanded testing of its “sovereign internet”, conducting isolated regional shutdowns and blocking major services to evaluate operational control.

• Over 100 VPN apps vanished from Apple’s App Store, with dozens removed from Google Play.

Why It Matters

Russia’s alignment with BRICS digital-security goals marks a historic shift away from Western-controlled platforms. By dismantling access to global tech giants, Moscow is attempting to build a parallel digital ecosystem — one that could ultimately become the blueprint for BRICS-wide cybersecurity and information governance.

These steps also reveal how digital sovereignty is becoming a central battleground in the emerging multipolar world. The implications extend far beyond Russia, affecting international technology markets, cross-border data flows, and global information access.

Implications for the Global Reset

Pillar 3 — Digital & Cyber Sovereignty

• Russia’s crackdown accelerates the creation of a BRICS-aligned digital infrastructure resistant to Western influence.

Pillar 4 — Multipolar Technology Ecosystems

• As Western platforms lose access to large markets, BRICS nations gain leverage to build independent standards across hardware, software, and data governance.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

Watcher.Guru – “BRICS Power Play: Russia Targets Google, Apple, Samsung Shutdown”
Reuters – “Russia Expands Crackdown on Foreign Tech as Digital Sovereignty Push Grows”

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

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Thank you Dinar Recaps

"This Is Going To be Horrific" Mike Maloney Says USA Entering a Bust Unlike Any Other

"This Is Going To be Horrific" Mike Maloney Says USA Entering a Bust Unlike Any Other

SilverGold:  11-1-8-2025

WARNING: A crash unlike any other may be coming. In this video, financial educator and precious-metals proponent Mike Maloney joins Allan to walk us through why the U.S. may be entering “a bust unlike any other.”

From real-estate bubbles, to stock-market excess, to mounting credit-stress in households and businesses — we explore the data, the diverging signals, and the structural vulnerabilities that rarely get this much attention.

What you’ll learn:

Why both housing and equities are flashing warning signs simultaneously.

How rising credit-card and auto-loan delinquencies may be just the beginning.

Why commercial real-estate could be the next domino to fall.

What the divergence between leading indicators and the stock market truly means.

Actionable strategies for when the reset happens (and yes — preparation beats surprise).

 The U.S. is facing both a stock-market bubble and a real-estate bubble simultaneously — a scenario unlike past major downturns.

(Mike Maloney) Consumer credit-stress indicators are reaching levels not seen since the 2008 crisis: 90-day+ credit-card delinquencies above ~12 % and auto-loan delinquencies at record highs.

Commercial real-estate and commercial mortgage-backed securities are showing warning signs: delinquency rates in office‐CMBS have breached highs from past crises.

The divergence between leading economic indicators (LEI) and the stock market is historically a red flag: when the LEI drops sharply while the stock market remains elevated, a crash tends to follow.

According to Maloney, this is not just a cyclical downturn: he argues we’re in the midst of a “monetary reset” with structural risk, and the real crash hasn’t yet hit — it’s still building.

https://www.youtube.com/watch?v=fstGr4QjJdU

BRICS Launches New Payment System in 185 Countries

BRICS Launches New Payment System in 185 Countries

Cyrus Janssen:  11-17-2025

If you blinked, you might have missed it. While Western headlines were dominated by the usual political theater and market fluctuations, a seismic shift in the global financial architecture quietly took place in 2025.

The BRICS alliance, in a move that analysts will likely point to as a historic turning point, launched a new payment system with a staggering reach: 185 countries.

The goal? To facilitate international trade using the Chinese renminbi (RMB), effectively bypassing the US dollar.

This isn’t just a minor policy adjustment; it’s a direct challenge to the decades-long dominance of the US dollar as the world’s primary reserve currency.

And while it was largely underreported in Western media, its echoes are being felt profoundly across the globe, particularly in the emerging economies of the Global South.

From the bustling ports of Southeast Asia to the resource-rich nations of Africa and Latin America, a quiet financial revolution is underway. Countries are increasingly looking to China’s currency and its financial infrastructure as a viable alternative to the dollar-dominated system.

This trend signifies a profound loss of confidence in the Western-led financial order and a pragmatic pivot towards China’s economic sphere of influence.

China’s financial influence is no longer confined to emerging markets. The Association of Southeast Asian Nations (ASEAN) recently upgraded its free trade agreement with China, strengthening economic bonds despite concerted efforts from the US to project power in the region.

The trust in the RMB is also being validated in capital markets. When Indonesia issued “dim sum bonds” (RMB-denominated bonds sold offshore), they were met with overwhelming investor demand—a clear signal of market confidence.

Underpinning all of this is the technological backbone: China’s Cross-Border Interbank Payment System (CIPS).

This system has grown exponentially, now weaving a vast financial web that connects thousands of banks across those 185 countries, processing trillions of RMB every single quarter.

The symbolism of recent events is impossible to ignore. The BRICS group recently facilitated its first-ever RMB-based loan between China and South Africa, explicitly targeting development projects across Africa. This move solidifies China’s role as the financial anchor and preferred partner for the Global South.

Even advanced economies are taking note. South Korea, a key US ally, is actively deepening its currency swap agreements with China to make trade smoother and less dependent on the dollar.

Analysts now predict a near-inevitable conclusion: the Chinese renminbi is on a fast track to become the second most used currency in global trade finance. The world isn’t de-dollarizing overnight, but it is undoubtedly, and rapidly, multi-polarizing.

This monumental geopolitical shift has direct consequences for investors. As nations realign their trade and financial alliances, the focus turns to securing the critical resources that power modern economies.

In the latter part of his detailed analysis, investor Cyrus Janssen highlights a key sector poised to benefit from this new paradigm: copper. As countries everywhere seek to onshore supply chains and secure access to critical minerals essential for energy transition and technology, copper becomes as strategically important as oil once was.

This focus on resource security spotlights companies like Vizsla Copper, which is focused on exploring and developing high-grade copper assets in safe, mining-friendly jurisdictions like Alaska. With a significant resource, strong infrastructure, government backing, and an experienced leadership team, companies that can provide North American copper are becoming increasingly valuable strategic assets.

In a world reorganizing itself around new financial and energy realities, understanding these geopolitical currents is no longer optional for the savvy investor—it’s essential.

https://youtu.be/jJZ6fpt3wv4

Seeds of Wisdom RV and Economics Updates Tuesday Afternoon 11-18-25

Good Afternoon Dinar Recaps,

The Quiet Breakaway — Nations Build New Financial Plumbing

Countries accelerate development of non-Western payment networks as global tensions rise.

Overview

• Countries are rapidly moving toward alternative financial rails, reducing their exposure to sanctions and geopolitically vulnerable systems.

• Cross-border CBDCs and regional clearing systems are expanding as nations explore ways to bypass traditional chokepoints.

• A global trend toward financial fragmentation is now visibly reshaping the next generation of monetary infrastructure.

Key Developments

• Strategic research highlights a structural decline in reliance on legacy networks, including SWIFT and Western-dominated clearing mechanisms.

• Economic blocs in Asia, the Middle East, and Africa are testing shared digital settlement platforms and multi-currency corridors.

• Governments aim to protect financial sovereignty, citing risks from sanctions, capital controls, and geopolitical weaponization of finance.

Why It Matters
These parallel systems could erode the dominance of existing global financial infrastructure, creating a more multipolar landscape with new rules, new standards, and new centers of gravity.

Implications for the Global Reset

• Pillar 4: Payments & Monetary Infrastructure — The rise of multi-network settlement systems shifts global power away from single-system dependency.

• Pillar 2: Monetary Realignment — Alternative rails support diversification away from reserve-currency monopolies.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Arxiv – “Global Financial Fragmentation and Emerging Payment Networks”

• Arxiv – “Cross-Border CBDCs and Geopolitical Realignment”

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 The IMF’s Warning Shot — ‘Restructure Now Before the Crisis Hits’

IMF leadership pushes governments to fix balance sheets and rebalance economies before shocks arrive.

Overview

• IMF Director Kristalina Georgieva warned nations to restructure debt proactively, not reactively — a sharp break from legacy guidance.

• Global imbalances in savings, investment, and current accounts are becoming more dangerous as geopolitical tensions rise.

• Technological disruption and political fragmentation are forcing governments to rethink long-held economic assumptions.

Key Developments

• The IMF is preparing a global restructuring “playbook” to guide nations through debt resolution and fiscal rebalancing.

• Countries were urged to reform their financial sectors, strengthen competition policy, and modernize capital markets as part of long-term resilience planning.

• Coordinated multilateral action was emphasized, highlighting that isolated national responses may amplify systemic risks.

Why It Matters
This marks a philosophical shift at the IMF — from crisis response to pre-crisis restructuring. If widely adopted, it could fundamentally alter the way global debt cycles unfold.

Implications for the Global Reset

• Pillar 3: Financial Governance — Reforms aimed at preventing crises may reshape the architecture of global financial oversight.

• Pillar 1: Sovereign Debt Realignment — Proactive restructuring could rewrite norms around national solvency and IMF intervention.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• IMF – “Spring Meetings 2025 Curtain Raiser”

• IMF – “Global Macroeconomic Challenges and the Path Forward”

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The Fractured Future — WEF Warns of a World Splitting Into Economic Blocs

New data shows businesses and policymakers preparing for long-term global fragmentation.

Overview

• The World Economic Forum warns that global growth is being constrained by fragmentation, political tension, and elevated debt loads.

• Supply chains are being rebuilt regionally, with the vast majority of companies preparing to shift sourcing and markets.

• Policymakers face rising uncertainty, challenging traditional trade and financial assumptions.

Key Developments

• A majority of CEOs plan to restructure supply chains, refocusing on resilience and geopolitical safety.

• Emerging markets face the steepest headwinds, with geopolitical risk undermining development potential.

• Institutions are pressing for macro-policy reforms, including improved current-account balance and competitive markets.

Why It Matters
Fragmentation is no longer theoretical — it is actively reshaping trade, investment, and governance, potentially accelerating a shift toward a multipolar global economic structure.

Implications for the Global Reset

• Pillar 5: Global Economic Order — Fragmentation forces new patterns of trade and economic alignment, reshaping global influence.

• Pillar 2: Monetary Realignment — As trade blocs form, currency alliances and reserve strategies may also shift.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• World Economic Forum – “Economic Outlook for 2025”

• IMF – “Global Macroeconomic Balance and Policy Coordination”

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

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RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

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Thank you Dinar Recaps

“Tidbits From TNT” Tuesday 11-18-2025

TNT:

Tishwash:  Talabani calls for expediting the enactment of the oil and gas law.

On Monday in Erbil, Deputy Prime Minister of the Kurdistan Region, Qubad Talabani, received a delegation from the US-Kurdistan Trade Council, headed by its president, David Tvorey. The two sides discussed a number of issues of common interest.

During the meeting, discussions focused on the mechanism for developing trade relations between the United States and the Kurdistan Region.

With reference to the economic development process in the region, Qubad Talabani emphasized that “the Kurdistan Region desires that American companies have a larger and more influential role in this process, and expressed the readiness of the regional government to provide all forms of support and facilities in this regard.”

Another focus of the meeting was the oil and gas file, and the Deputy Prime Minister explained, “We are in favor of quickly passing the oil and gas law during the new session of the Iraqi Parliament, which will contribute to resolving the disputes between the region and Baghdad in accordance with the constitution and powers, and in a way that takes into account the special status of the Kurdistan Region.”

Talabani also stressed that “our priority is that the gas wealth should be used to serve the citizens and develop the industrial and economic infrastructure of the Kurdistan Region.” link

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Tishwash:  UN representative in Iraq: "The 'new Middle East' can only be shaped by its own people."

The Special Representative of the UN Secretary-General for Iraq, Mohammed al-Hassan, affirmed on Tuesday that the "new Middle East" can only be shaped by its own people, while also indicating the UN's readiness to provide all forms of assistance to Iraq.

Speaking at the Sixth Middle East Peace and Security Forum in Dohuk Governorate, al-Hassan stated, as reported by Al-Ghad Press, that "Iraq's journey towards sustainable development has begun, and the new Middle East can only be shaped by its own people."

He added that "the peoples of the Middle East are weary of wars, after more than 400 years of conflicts, crises, and occupation," calling for "easing the burden on the region's peoples, especially since the Middle East and Iraq are the cradle of civilizations, and it is time for them to shine with civilization as they once did."

He continued, "Moving towards a better future requires wise leadership working for the common good, as the Iraqi people are a creative people," explaining that "the next and true battle is not political, but rather an arena of intellectual and scientific excellence, and Iraq has already begun laying the foundations for such projects."

Al-Hassan stressed "the need to focus on politics and the knowledge economy," emphasizing that "the United Nations is ready to provide all forms of assistance to Iraq."   link

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Tishwash:  The first crisis after the government transitioned to a caretaker role falls on the shoulders of the citizens: Iraq is without cash.

 The recent decision by the Federal Court, which definitively ended the parliamentary term and designated the current government as a caretaker administration, has profoundly altered the state's ability to manage its finances.

According to the constitution, a caretaker government is barred from any powers related to domestic or foreign borrowing, entering into major contracts, or authorizing investment spending. This has placed Iraq in a highly sensitive financial predicament at a time of political instability.

This decision did not come about naturally, but rather coincided with a government vacuum expected to last for many months due to negotiations to form a new government. With the end of the fiscal year approaching and the 2025 budget still unapproved, the government's ability to use any exceptional financial tools to address the deficit has been frozen, while operational spending continues to balloon without any legal basis for funding.

Thus, the way was opened for warnings from experts, foremost among them Nabil Al-Marsoumi, who believes that preventing borrowing under a caretaker government practically means that Iraq is entering a danger zone, with the possibility of the “first financial catastrophe” occurring if an urgent legal solution is not found or political understandings are not accelerated to form a new government with full powers.

According to economists , this situation is unprecedented since 2003, as Iraq has never before faced such a severe financial constraint while burdened with enormous financial obligations, including salaries, social protection, food subsidies, energy costs, and project loans. With no fully empowered government, the Ministry of Finance is operating within a limited scope, allowing it only the necessary expenditures to keep government services running, leaving it with no room for maneuver.

This restriction directly clashed with the results of recent years, as the operating budget expanded to record levels, the number of employees and contractors ballooned, and the payroll bill rose to more than 70 trillion dinars annually, while non-oil revenues remained at modest limits not exceeding 9 trillion dinars.

The court's decision coincided with a significant decline in foreign currency reserves due to the gap between the central bank's purchases of hard currency for the Ministry of Finance and its sales through the dollar window to meet commercial demand. This decline further limited the state's ability to use reserves as a temporary financing alternative at a time when year-end obligations are mounting.

The most alarming aspect is that this fiscal constraint is occurring at a time when the country is experiencing a slowdown in overall economic performance, rising multidimensional poverty rates, and declining service levels, along with signs of expanding unemployment and weakening productivity. According to observers, this makes any unfunded fiscal deficit a multiplier of the social crisis.  link

Mot: 4 Stages of a Mans Life!!!

Mot:  . Folks Just Need to Understand!!! 

News, Rumors and Opinions Tuesday 11-18-2025

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

RV Excerpts from the Restored Republic via a GCR: Update as of Tues. 18 Nov. 2025

Compiled Tues. 18 Nov. 2025 12:01 am EST by Judy Byington

Mon. 17 Nov. 2025 TIER 1 DETONATED – THE GLOBAL RESET IS NOW IN MOTION …Gitmo TV

Tier 1 is no longer a rumor. It is confirmed. The first and most powerful layer of the global currency reset has been (allegedly) executed in silence as sovereign nations, central banks, and high-level monetary entities  (allegedly) locked their rates and completed their redemptions behind closed doors. Nothing about this stage was public.

Nothing was speculative. It was the ignition key of the entire reset, and now that it has fired, the rest of the architecture begins to move.

Once Tier 1 locks in, the world shifts. This stage establishes the baseline rates that every tier above it must follow.

 These numbers are not predictions or projections. They are fixed benchmarks coded directly into the system. With the foundation secured, Tier 2 humanitarian structures begin aligning for release, Tier 3 high-net-worth pools move into position, and major banks quietly rebalance their ledgers to prepare for the next waves of liquidity.

The entire design is deliberate. Liquidity rises in controlled stages, preventing market shock while allowing global revaluation to unfold with precision.

And while the surface appears calm, the internal machinery is already active: compliance units recalibrating protocols, international channels tightening security, and institutional platforms updating in real time.

This is the quiet phase of a much larger event.

Next comes the most anticipated stage – Tier 4B. The moment when private holders, individuals who have waited for years, finally step into the process.

 Iraq, Vietnam, and Zimbabwe signaling greenlight wasn’t random. It was the final confirmation that the sequence has begun, and that Tier 1 completion has triggered everything that follows.

The reset isn’t approaching. It has already started.

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Global Financial System:

On Mon. 17 Nov. 2025 the US Mint will officially STOP minting pennies. Today, the LAST Penny will be minted! One Penny Costs the U.S Taxpayer $0.37 cents to Mint. U.S. Mint lost $85,300,000,000 BILLION minting pennies in FY2024 alone.

Sun. 16 Nov. 2025: TIER 1 DETONATED: Global Currency Revaluation in Motion — Iraq, Vietnam & Zimbabwe Signal Greenlight as U.S. BANK SOURCES CONFIRM TIER 1 REDEMPTION [VIDEO] – amg-news.com – American Media Group

Sun. 16 Nov. 2025: INTEL BRIEFING // GOLDEN AGE ACTIVATED: PRESIDENT TRUMP SIGNS EXECUTIVE TAX CUTS INTO LAW – 16.11.2025 – amg-news.com – American Media Group

Sun. 16 Nov. 2025: BREAKING REPORT: FED WEEK AHEAD — A Critical Five-Day Window For America’s Markets And Liquidity Outlook – amg-news.com – American Media Group

Sun. 16 Nov. 2025: TIER 1 DETONATED: Global Currency Revaluation in Motion — Iraq, Vietnam & Zimbabwe Signal Greenlight as U.S. BANK SOURCES CONFIRM TIER 1 REDEMPTION [VIDEO] – amg-news.com – American Media Group

Sun. 16 Nov. 2025: INTEL BRIEFING // GOLDEN AGE ACTIVATED: PRESIDENT TRUMP SIGNS EXECUTIVE TAX CUTS INTO LAW – 16.11.2025 – amg-news.com – American Media Group

Read full post here:  https://dinarchronicles.com/2025/11/18/restored-republic-via-a-gcr-update-as-of-november-18-2025/

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

Militia Man  The strength of the Iraqi dinar is going to be very high...The country is going to be able to have an amazing economy when things become cheaper in dinar terms on a global stage...Low inflation rate and high reserves and high gold holdings as reserves is phenomenal.  They've done all the right things.

Frank26   [Iraq boots-on-the-ground report]   FIREFLY: Saleh back on TV.   He's talking to us about the passage of the first amendment...that will help us secure Iraq into joining the WTO...He said it improves the market efficiencies by reducing prices and raising the quality of goods...There's a lot of people from the WTO here today.  They're all saying very nice things about us in our economy and how we're going to be making a difference in the Middle East.

Mnt Goat   Article:   “AFP: SUDANI COALITION ACHIEVES MAJOR VICTORY IN IRAQI ELECTIONS”   ...the coalition of Iraqi Prime Minister Mohammed Shia al-Sudani achieved a major victory in the parliamentary elections held on Tuesday.  All I can say is THANK GOD Al-Sudani is going to have a second term...We needed to see a stable government for our January reinstatement.  Since these two events are so close, a bad election would certainly have postponed what we are looking for.  Let’s keep praying. nothing goes wrong.

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The Real History of Money — And How It Controls the World"

SnapVault:  11-17-2025

This video reveals the real story of money — how it was born, how it shaped humanity, and how it quietly controls every part of our lives.

 From barter and gold, to paper money, banks, inflation, digital currency, and Bitcoin — this is the evolution of the world’s biggest illusion.

 If you understand money, you understand power.

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

Seeds of Wisdom RV and Economics Updates Tuesday Morning 11-18-25

Good Morning Dinar Recaps,

Gaza’s Turning Point — UN Endorses Trump’s Peace Blueprint as Netanyahu Pushes Back

Unexpected UN alignment with Washington’s proposal reshapes the diplomatic battlefield.

Overview

• UN officials signal formal support for major elements of Donald Trump’s proposed Gaza stabilization plan.

• Israel’s Prime Minister Benjamin Netanyahu rejects key points, arguing they endanger Israel’s long-term security.

• Arab mediators cautiously welcome the framework, calling it the first viable multi-power roadmap in months.

Key Developments

• UN envoys endorsed a phased demilitarization model, describing it as “the only scalable path to sustained calm.”

• Netanyahu publicly rebuked the proposal, stating it limits Israel’s operational freedom and weakens deterrence.

• Washington reportedly secured preliminary backing from Egypt, Jordan, and Gulf partners for reconstruction oversight.

• UN officials highlighted economic corridors, including proposed U.S.–Arab reconstruction funds tied to governance reforms.

Why It Matters

This marks one of the most significant diplomatic shifts since the start of the conflict. UN backing lends global legitimacy to a U.S.-driven framework, while Israel’s resistance exposes deep fractures over who controls Gaza’s future governance. The competing visions now emerging are reshaping alliances, negotiating leverage, and long-term regional architecture.

Implications for the Global Reset

Pillar 5 — Diplomacy & Peace Architecture

• UN support strengthens a multipolar peace framework no longer dominated by a single regional actor.

Pillar 2 — Sovereignty & Governance Realignment

• Israel’s pushback underscores a global struggle to determine who defines post-conflict governance norms — states, alliances, or international bodies.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

Associated Press – “UN Backs Elements of Trump’s Gaza Plan Amid Israeli Pushback”
Al Jazeera – “Netanyahu Rejects Internationally Supported Ceasefire Framework”

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The Coming Global Debt Shake-Up — UN Signals a New Financial Era

UN and IMF leaders warn that the world’s sovereign debt system is reaching a breaking point.

Overview

• Global debt leaders issued urgent calls for restructuring, arguing the current system is no longer sustainable for many developing nations.

• The UN’s Economic and Social Council highlighted over $1.4 trillion in annual interest costs, preventing vulnerable nations from funding essential services.

• Reformers pushed for a modernized debt architecture, emphasizing transparency, coordinated restructuring, and deeper multilateral cooperation.

Key Developments

• Developing economies demanded faster and more equitable restructuring tools, saying slow and fragmented processes worsen crises.

• IMF and World Bank leaders were pressed to expand their roles, with many nations calling for a more inclusive and representative governance structure.

• Civil society groups joined finance ministers in insisting that debt relief, climate funding, and development support must be integrated into a unified global framework.

Why It Matters
The debate is shifting from temporary relief to structural redesign. If global debt rules are rewritten, the balance of financial power — and the governance of capital flows — could be permanently altered.

Implications for the Global Reset

• Pillar 1: Sovereign Debt Realignment — Momentum builds toward a more transparent, predictable restructuring mechanism, reducing the dominance of creditor-driven processes.

• Pillar 3: Financial Governance — Pressure for inclusive decision-making is accelerating reforms that could redefine how international financial institutions operate.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• UN – “Economic and Social Council Calls for Stronger Global Financial Architecture”

• World Economic Forum – “Key Takeaways from the 2025 IMF–World Bank Meetings”

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Elon Musk Warns ‘The Only Way to Get Us Out of the Debt Crisis’ and ‘Prevent America from Going Bankrupt is AI and Robotics’

Elon Musk Warns ‘The Only Way to Get Us Out of the Debt Crisis’ and ‘Prevent America from Going Bankrupt is AI and Robotics’

Caleb Naysmith   Mon, November 17, 2025  Barchart

In a wide-ranging conversation on the Joe Rogan Experience, Tesla (TSLA) and SpaceX CEO Elon Musk offered a characteristically direct assessment of the United States’ fiscal trajectory. Known for speaking bluntly about technology, governance, and long-term societal risks, Musk framed the national debt not merely as a political challenge, but as a structural threat to the country’s economic future. His remarks reflect longstanding concerns he has raised about government inefficiency, declining industrial productivity, and the need for technological acceleration to maintain global competitiveness.

During the discussion, Musk argued that “the only way to get us out of the debt crisis and prevent America from going bankrupt is AI and robotics,” a conclusion he reached after observing what he described as unsustainable growth in federal obligations. He noted that interest payments on the national debt now exceed major federal expenditures, including the military budget — a comparison he called a personal “wake-up call.”

According to Musk, traditional political tools are insufficient: “You can make it directionally better, but ultimately you can’t fully fix the system… there’s no way to solve the debt crisis” without economic expansion at a scale only advanced automation could provide.

Musk’s perspective is rooted in decades of engagement with capital-intensive industries — spaceflight, automotive manufacturing, and energy infrastructure — where advances in automation have been central to efficiency and cost reduction. Tesla’s use of robotics in high-volume manufacturing and SpaceX’s reliance on automated systems in rocket reusability mirror his belief that technology can compensate for structural inefficiencies. His argument that democratic systems are limited in their ability to impose deep, unpopular cuts is consistent with his prior critiques of bureaucratic inertia and his advocacy for innovation-led solutions over policy-driven austerity.

TO READ MORE:  https://www.yahoo.com/finance/news/elon-musk-warns-only-way-193002636.html

After 230 Years, The U.S. Penny Is Retired

After 230 Years, The U.S. Penny Is Retired—What To Do With The Ones You Still Have

Before you empty that change purse, here’s what shoppers should know.

Alexandra Emanuelli   Mon, November 17, 2025

As Dolly Parton once sang, “If teardrops were pennies and heartaches were gold, I'd have all the riches my pockets would hold.” These days, though, even Dolly’s pockets would be a little lighter. As of November 12, the U.S. Mint pressed its final circulating penny. The move comes after President Trump instructed the Treasury Department to halt production because the coin now costs more to make than it’s worth.

So what happens to the smallest form of currency when it suddenly disappears? Will your old change jars become tiny treasure chests? Probably not, according to coin expert Charmy Harker, who noted that our northern neighbor stopped minting pennies back in 2012 and most Canadians barely noticed. In an increasingly cashless society, the loss of the penny has more practical implications for shoppers than sentimental ones.

Are Retailers Changing Prices?

It probably won’t surprise you that there hasn’t been a single, unified response from retailers. Some national brands with strong Southern footprints—including Georgia-based Auntie Anne’s, Cinnabon, Jamba, and Carvel—have already announced they’ll round prices to the nearest nickel when customers pay with cash. Other stores are choosing a different approach and are simply asking shoppers to provide exact change.

The good news is that shoppers won’t suddenly be stuck with unusable coins. “Yes retailers will still be accepting pennies (except those that no longer accept cash for any purchases), and I believe they will be accepting pennies for a while, most likely until pennies that are currently in circulation become too scarce,” says Harker. Most major retailers have confirmed they’ll continue to take pennies at checkout, so the coin’s retirement won’t cause immediate chaos.

For anyone paying with a credit or debit card, nothing changes. Digital transactions will continue to ring up to the exact cent, and you won’t notice any difference.

What Should You Do With Your Pennies?

Even though the U.S. Mint has stopped producing new pennies, the ones already in your home, car, or junk drawer are still very much real money. Stores, banks, and most coin-counting machines will continue accepting them, so there’s no rush to dump out your change jar.

As Harker explains, “Pennies aren’t being recalled so they will still be in circulation for quite some time, and whether stores and/or banks need pennies will depend on how soon stores start rounding sales to the nickel.”

In practical terms, pennies won’t vanish overnight. Instead, they’ll slowly fade out of circulation as they get lost, damaged, or turned in for deposits. With no new pennies being minted to replace them, the national supply will naturally shrink until the coin becomes more of a rarity than a regular part of your wallet.

So what should you actually do with the ones you have?

TO READ MORE:  https://www.yahoo.com/lifestyle/articles/230-years-u-penny-retired-210852058.html