Seeds of Wisdom RV and Economics Updates Wednesday Morning 11-26-25

Good Morning Dinar Recaps,

Global Finance at a Breaking Point: Four Forces Reshaping Development Funding

New power centers, debt vulnerability, and geopolitical fractures push the system toward redesign

Overview

• The global development financing system is undergoing its most significant stress test since the Bretton Woods era.

• Emerging economies are pushing for greater autonomy, while debt-vulnerable nations face rising instability and reduced access to traditional financing.

• China’s rise as a dominant bilateral lender and shifts in global capital flows are creating a need for new rules, new institutions, and new models of development finance.

Key Developments

• A new “middle class” of emerging markets — including ASEAN, Latin America, Central Asia, and parts of Africa — is demanding greater voice and more flexible, decentralized financing structures.

• Low-income and fragile states are falling further behind, facing slowed growth, climate exposure, and shrinking access to IMF/World Bank resources just as needs rise.

• China’s unique lending model and its role as the world’s largest bilateral creditor have created tensions with the Paris Club and the G20 Common Framework.

• Rapid technological change, diverse capital market tools, and complex cross-border linkages highlight the need for modernization of multilateral lending structures.

Why It Matters

The global development financing system stands at a structural turning point. The post-WWII architecture — stretched by economic shocks, geopolitical rivalries, and new financing actors — is no longer suited to today’s multipolar landscape.

The next phase of global finance will depend on how effectively institutions adapt to a world where emerging economies demand autonomy, vulnerable nations require urgent support, and major powers disagree on the rules of engagement.

Implications for the Global Reset

Pillar: Multipolar Financing Architecture

New development pathways will increasingly rely on regional banks, public-private mechanisms, and diversified capital access — reducing dependence on traditional Western institutions.

Pillar: Debt Reform & Creditor Coordination

Without alignment between China, the IMF, the Paris Club, and emerging lenders, global debt restructuring risks fragmentation — with profound implications for markets, trade, and geopolitical stability.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “The Global Development Financing System Is at a Crossroads”

• The Economist – “The Demise of Foreign Aid Offers an Opportunity”

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Global Markets Surge as Rate-Cut Bets Ignite a Cross-Continent Rally

Equities lift worldwide as investors price in a softer Fed stance

Overview

• Global stock markets rallied for a fourth straight session as investors increased bets on a December Federal Reserve rate cut.

• Bond yields declined sharply, boosting rate-sensitive sectors and supporting a broad-based equity rebound.

• Risk appetite returned across U.S., European, and Asian markets as investors shifted from recession fears to renewed growth expectations.

Key Developments

• U.S. markets led the advance, with the S&P 500, Dow, and Nasdaq all moving higher as communication services and healthcare outperformed.

• European equities joined the rally, supported by improved liquidity expectations and strong sector rotation.

• Canadian index futures climbed, tracking global momentum and easing bond yields.

• Analysts highlighted that looser global monetary conditions are beginning to take shape, with capital flowing into both growth and defensive sectors simultaneously.

Why It Matters

A synchronized rally across global markets signals a possible inflection point in the global financial cycle.
Rate-cut expectations serve as a catalyst for renewed capital flows, easing credit conditions and potentially boosting investment — particularly in emerging economies seeking relief after prolonged tightening.

Implications for the Global Reset

Pillar: Capital Flow Rebalancing
Lower yields open the door for capital to exit safe-haven assets and enter growth markets — shifting liquidity distribution away from the U.S. and toward a multipolar investment landscape.

Pillar: Financial Market Integration
Simultaneous market rallies in the U.S., Europe, and Asia indicate rising interdependence — reinforcing the trend toward globalized asset behavior that shapes future economic alignments.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• • Reuters – “Stocks jump, US yields fall as Fed rate-cut bets increase”

• • Reuters – “Global markets wrap-up: World stocks rise for fourth day running”

• • Reuters – “TSX futures gain as Fed rate-cut optimism grows”

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5 Everyday Money Habits That Quietly Drain Middle-Class Wealth

5 Everyday Money Habits That Quietly Drain Middle-Class Wealth

Cindy Lamothe   Tue, November 25, 2025  GOBankingRates

We all know money can slip through our fingers — but sometimes it’s not flashy splurges or big mistakes that do the damage.

It’s the little, everyday habits that quietly chip away at your hard-earned wealth. If you’ve ever wondered why your bank account doesn’t quite grow despite steady paychecks, you’re not alone.

 “Increasing prices have led to the survival debt of most Americans,” said Jeffrey Hensel, broker associate at North Coast Financial. “The change is usually nuanced to the middle class, and it starts with small changes in their lifestyle, which gradually escalate into huge financial burdens.”

Let’s take a closer look at some common money habits that could be holding back your financial growth — and what to do about them.

Credit Card Debt

According to Olivier Wagner, founder and CEO of 1040 Abroad, credit cards can be a very efficient help in managing one’s flow of income and obtaining needed benefits but they can also do much to ruin one’s wealth if they are not used with care.

His recommendation? Always pay your bill in full from month to month so as to escape from interest.

“Always charge your purchases to your credit cards that you can pay long before the bill comes due,” Wagner advised.

Stay on Top of Subscriptions

“Most people have a problem with not paying attention to their bank statements, because the small charges are not worth looking up individually,” said Wagner.

As a result, he said all together they will amount to hundreds and thousands of dollars over the course of a year. Wagner recommended regularly checking your bank statements to cancel those subscriptions that you do incur charges for.

Checking into this periodically will free up hundreds of dollars a year for you to allocate for investment purposes for you or funds to put into savings.

Avoid Impulse Purchases

TO READ MORE:  https://www.yahoo.com/finance/news/5-everyday-money-habits-quietly-165505276.html

“Tidbits From TNT” Wednesday Morning 11-26-2025

TNT:

Tishwash:  Pressure on the central bank to change the exchange rate constitutes interference with its independence.

Samir Al-Nassiri

After the announcement of the final election results, and for the political and self-serving interests of some influential figures, speculators, and traders who deal in illegal trade through direct transfers outside the controls of the Central Bank, official border crossings, and the new instructions for prior customs registration starting from 12/1/2025, which ensure control over the government's customs revenues.

About a week ago, media pressure began, directed by some specialists, non-specialists, and self-proclaimed analysts who frequently appear on media channels with vested interests and on social media, with the aim of disrupting the Iraqi market, which has remained stable throughout 2025 due to the wise monetary policies and efforts made by the Central Bank, which maintained the general price level and kept the inflation rate below 1%, controlled the money supply, and built sufficient foreign reserves to cover the local currency in circulation and cover imports.

He is currently implementing an ambitious project for a comprehensive and radical reform of the banking sector. He receives continuous praise from the World Bank, the International Monetary Fund, and the US Treasury for the steps he has taken in implementing monetary policy over the past three years.  

Since December 19, 2020, when the exchange rate was adjusted by the Central Bank under pressure from the previous government, and up to the present time, the exchange rate of the dinar has continued to fluctuate up and down in the parallel market, even after it was adjusted again in 2023. Due to the Central Bank's measures mentioned above, relative stability has been achieved despite all the internal and external challenges, and all the speculators' plans to weaken the purchasing power of the Iraqi dinar have failed.

We must also not forget, clearly and precisely, that there is an organized lobby working against achieving monetary stability, led and implemented by multiple entities linked to speculators and corrupt individuals who have a special agenda to weaken and harm the national economy by fabricating news and statements, spreading rumors and flawed and paid economic analyses, and turning them from reassuring news for the market and citizens into news that confuses the market and creates panic among citizens. This is what is actually happening now, which requires clarification here, as it has been happening for about ten years.

Particularly after the financial and security shocks of mid-2014, a culture of reliance on the central bank to confront economic and financial crises and challenges became entrenched. This is done by using its monetary policy tools and mechanisms to overcome the government's liquidity shortage and its inability to pay salaries on time, as well as the failure of fiscal policy by relying on foreign currency reserves. These reserves are not, in reality, the government's reserves, but rather the central bank's reserves, used to control the stability of the exchange rate, according to the target, and to address the balance of payments deficit.

The central bank has been burdened with the problems of other stakeholders, which is not its primary role. It is not responsible for the shortfall in non-oil revenues, the balance of payments deficit, the trade deficit, or the fluctuations in global oil prices. Therefore, foreign currency reserves have risen and fallen due to these flawed policies, which are not based on a clear and defined economic strategy or methodology.

Therefore, the return of stability to the exchange rate to its targeted and balanced rates will be achieved with the support of the concerned authorities in the government by activating other productive sectors, reforming the financial and banking sector, drawing up clear financial policies in coordination with monetary policy and its currently adopted applications and tools, and overcoming the challenges of achieving economic stability, which means achieving stability in the financial and monetary system.

This is not only the duty of the Central Bank alone, but it is a fundamental duty of fiscal policy and the government’s approach to managing the economy, activating sources of national income other than oil, supporting, protecting and encouraging local production, generalizing the activation of dealing in the Iraqi dinar in all internal cash trading activities, expanding the use of electronic payment methods and enhancing digital transformation.

In particular, it must be emphasized here clearly that all the pressures currently being exerted on the Central Bank to change the exchange rate are not a solution to address the liquidity shortage, but rather an interference in its independence and an abolition of its role and responsibility in its tasks and objectives as stated in its Law No. 56 of 2004, which is in force  link

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Tishwash:  Mark Savaya: Iraq needs significant reforms

US Special Envoy to Iraq, Mark Savaya, affirmed that the United States has always supported legitimate security institutions in Iraq.

Savaya said in a post on the X platform: “Iraq has made tangible progress, from joint efforts to defeat ISIS, to countering harmful influences and promoting regional stability.”

However, according to the US special envoy, "significant reforms are still needed."

He added: “American companies, which have provided billions of dollars in equipment and top-notch support, remain key partners in strengthening Iraq’s security and sovereignty.”

Mark Savaya   @Mark_Savaya

·The United States has long supported Iraq’s legitimate security institutions. From joint efforts to defeat ISIS to countering malign influence and strengthening regional stability, real progress has been made. Still, essential reforms are needed.

Last Friday, the US Special Envoy to Iraq, Mark Savaya, announced his desire to visit Iraq soon and meet with its top leaders.

Savaya said in a post on the X platform: “Iraq has made remarkable progress over the past three years, and we hope that this progress will continue in the coming months.”

He added: We are closely monitoring the process of forming the new government.  

The US president's envoy stressed that the United States "will not accept and will not allow foreign interference in the formation of the next Iraqi government."   link

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Tishwash:  Central Bank of Iraq on Liquidity: The Issue is Financial, Not Monetary

The Central Bank of Iraq announced on Tuesday a plan to increase Iraq's gold reserves, indicating that the issue of liquidity is financial, not monetary.

 According to the official news agency, Alaa al-Fahd, a member of the bank's media office, stated that "Iraq ranks sixth in the Arab world in gold reserves, according to the latest statistics."

He emphasized that "the gold reserve is at a good and well-maintained level, exceeding 160 tons, and the Central Bank is working to increase it as much as possible."

 He added that "the Central Bank is also striving to increase the reserve portfolio by maintaining its value and diversifying its holdings, as part of the monetary policy adopted by the Central Bank." He pointed out that "according to Law No. 56 of 2004, the bank is responsible for monetary policy, price stability, the exchange rate, and inflation rates, and that these indicators are very good at the present time, as is the financing of foreign trade."

 Regarding the issue of liquidity, Al-Fahad emphasized that "liquidity is a financial matter, not a monetary one, and it is linked to market activity, investments, government spending, and the budget." He pointed out that "liquidity is the responsibility of the Ministry of Finance, not the Central Bank."

 He explained that "the Central Bank's objective is to maintain the value of the Iraqi dinar, control inflation, and work internationally to implement financial and banking reforms that contribute to monetary stability." He further clarified that "the Central Bank has worked in the past to strengthen and diversify reserves.

This is part of the Central Bank's policy to avoid relying solely on US dollars and instead diversify the reserve currency basket to include the Chinese yuan, the Turkish lira, and the Emirati dirham, in order to unify the country's foreign trade. Additionally, increasing gold reserves plays a significant role in maintaining the size and value of these investments."

He stressed that "preserving the reserve is achieved through investing it so that it does not lose its real value, and this is what the Central Bank is working on according to a well-thought-out policy and modern investment aimed at preserving and increasing the value of these reserves," noting that "there is stability at the general level of prices and inflation rates, and the Central Bank's policy is to maintain the reserve ratio and finance foreign trade."  link

Mot: Wouldn't be Thanksgiving without  

Mot:  I'm Old Fashioned I Is!!!! 

Seeds of Wisdom RV and Economics Updates Tuesday Evening 11-25-25

Good Evening Dinar Recaps,

Russia Bets on Yuan Debt: First Sovereign Bonds to Channel BRICS Energy Cash

In a historic move, Moscow will issue yuan-denominated sovereign debt to absorb Chinese-currency energy export inflows.

Overview

• Russia plans to issue its first-ever yuan‐denominated sovereign bonds on December 8, 2025, with maturities of 3–7 years. 

• The government is targeting up to 400 billion rubles (~$4.9 billion) across several issues. 

• The issuance is closely tied to BRICS energy export earnings, with major Russian energy firms funneling their yuan revenues into domestic debt.

Key Developments

• Domestic Issuance, Local Players
  The bonds will be issued on the Moscow Exchange, with Gazprombank, Sberbank, and VTB Capital (all under Western sanctions) arranging the placement. 

• Dual Payment Option
  Investors can pay in yuan or rubles, and coupon payments can also be made in either currency, adding flexibility. 

• Targeted Investor Base
  The Finance Ministry reportedly wants a broad base of buyers: banks, asset managers, brokers, and even retail investors. 

• Fiscal Pressures Driving the Move
  Russia’s budget deficit has surged, pushing Moscow to seek non-dollar financing. 

• Channeling Energy Export Liquidity
  Energy companies like Rosneft and Lukoil, which are receiving large yuan payments, are expected to use this issuance to recycle their currency holdings. 

• Investor Yield Expectations
  According to Russian media, the expected yield on these yuan bonds may land around 6–6.5% annually, which could outperform traditional yuan deposits. 

Why It Matters

This is not just a financing gimmick — it’s a symbolic and strategic shift in Russia’s capital structure. By issuing sovereign yuan debt, Russia is turning the proceeds of its energy exports to China into a domestic fiscal tool, reducing its reliance on Western financial infrastructure and integrating deeper into the BRICS financial ecosystem.

Implications for the Global Reset

Pillar 1 — Financial System Architecture

This bond issuance is a clear move away from dollar- or euro-centric borrowing toward a more BRICS-aligned monetary infrastructure. It reinforces a multipolar financial system.

Pillar 3 — Markets & Strategic Commodities

Energy exporters are transforming their yuan earnings into domestic sovereign debt. That recycles export liquidity into the national budget and strengthens the role of yuan-denominated instruments in Russia’s debt markets.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Russia plans to issue debut sovereign yuan-denominated bonds, sources say”

• The Moscow Times – “Finance Ministry to Debut Borrowing in Chinese Yuan in December”

• Gazeta.Ru – “В России оценили выгоду облигаций в юанях”

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South Africa’s BRICS Pivot: A $5B+ MoU with the NDB Signals New Economic Strategy

Johannesburg nod to BRICS development bank marks a strategic shift in how South Africa will fund its 2030 growth agenda.

Overview

• South Africa has signed a key MoU with the BRICS’ New Development Bank, strengthening cooperation on infrastructure financing.

• Roughly $5+ billion of NDB investment is now more directly aligned with South Africa’s National Development Plan (NDP).

• The deal supports not just energy, but also transport, digital development, and sustainable infrastructure — signaling a broader BRICS-led development strategy.

Key Developments

• Expanded Investment Across Sectors
  The NDB’s funding is not limited to energy; under this MoU, future investments will target infrastructure, transport, digital systems, and green development.

• Comprehensive Portfolio Review in Motion
  NDB executives, including the Director General of its Independent Evaluation Office, are conducting a deep-dive assessment of existing and planned projects in South Africa — more than $5 billion of previously committed funds are being evaluated for impact and alignment.

• Policy Alignment with National Goals
  South Africa is updating its National Evaluation Policy Framework (NEPF) to sync with the MoU — shifting toward outcome-based evaluation and tracking G20-level commitments. The revised NEPF is being fast-tracked to cabinet approval.

• Long-Term Development Vision
  The NDP-NDB partnership is structured to support South Africa’s 2030 goals, with the NDB coordinating closely to ensure projects align not only with infrastructure needs, but also with social and environmental sustainability.

Why It Matters

This MoU marks a major inflection point: instead of relying predominantly on Western multilateral institutions or traditional bond markets, South Africa is leaning into BRICS financial mechanisms. That realignment could reshape how new infrastructure in the Global South is financed — and alter geopolitical financial power dynamics.

Implications for the Global Reset

Pillar 1 — Financial System Architecture

By leveraging the NDB, South Africa is bypassing Western-led development banks and pushing further into a BRICS-centric funding model — accelerating the shift to alternative finance systems.

Pillar 3 — Markets & Strategic Commodities

The infrastructure projects funded by this MoU (roads, energy, digital) will strengthen South Africa’s internal economy and boost BRICS-backed capital flows — reinforcing a multipolar development market.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher.Guru – “South Africa Signs MoU with BRICS’ NDB, Marking a Major Economic Shift”

• IOL – “How the New Development Bank Has Made an Impact on South Africa”

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Spiraling Stock Market Crash Ahead? Andy Schectman

Spiraling Stock Market Crash Ahead?

Liberty and Finance:  11-25-2025

The global financial landscape is entering a period of extraordinary volatility. What starts as an arcane shift in international monetary policy can quickly cascade into a systemic crisis impacting every investor, from Main Street to Wall Street.

In a recent, essential discussion hosted by Liberty and Finance, Miles Franklin CEO Andy Schectman joined Kaiser Johnson to peel back the layers on current market dynamics.

Their conversation reveals an urgent necessity for strategic, contrarian positioning, highlighting risks ranging from a multi-trillion-dollar market unwind to geopolitical shifts undermining the US dollar, all underscoring the indispensable role of physical gold and silver.

The most immediate and massive threat discussed involves the potential unwinding of the Japanese yen carry trade. For years, global traders have leveraged Japan’s near-zero interest rates, borrowing trillions of yen cheaply and investing those funds into higher-yielding assets abroad, particularly in US stocks and bonds.

Now, as Japan begins to raise rates, this arbitrage trade is rapidly becoming uneconomical.

Schectman and Johnson warn that the forced closure of this multi-trillion-dollar trade could trigger a severe global market correction. As borrowed yen must be repaid, investors are forced to liquidate higher-yielding assets—meaning massive selling pressure is heading directly toward US stock and bond markets.

This unwinding isn’t just a technical glitch; it represents a major systemic risk that could redefine volatility for the next several quarters.

While mainstream financial analysts often fixate on paper markets, the speakers pointed to worrying signs in the physical bullion world, specifically in silver.

The discussion highlighted the unusual state of backwardation in silver futures. This highly rare market condition occurs when the current spot price for immediate physical delivery is significantly higher than the price of future contracts.

Simply put, backwardation is a glaring signal of extreme physical tightness. Buyers are willing to pay a premium now because they urgently need the metal and anticipate supply challenges down the road—a powerful indicator that the paper price may not accurately reflect the physical reality.

The conversation moved swiftly to the accelerated pace of de-dollarization—a reality often downplayed by Western media.

The panelists highlighted financial innovations like the “Embridge” cross-border payment system, currently utilized by China, the UAE, and other nations. This system allows international trade surpluses to be settled in gold, bypassing the need for the US dollar and traditional SWIFT mechanisms.

This move is not just symbolic; it’s operational and tactical, demonstrating that major economic powers are building a financial architecture that strategically reduces reliance on the USD. For the strategic investor, this systemic shift reinforces physical gold as the ultimate asset, settling economic reality outside of any one nation’s currency policy.

Systemic risk isn’t limited to traditional finance; it extends to the digital landscape as well.

Schectman referenced a crucial warning from the founder of Ethereum, suggesting that advancing quantum computing capabilities could render current blockchain cryptography vulnerable as early as 2028. If the cryptographic backbone of digital assets fails, the entire ecosystem faces an existential threat.

This looming vulnerability adds a powerful argument to the case for physical assets. As digital systems face systemic risk—whether from quantum hacks or centralized control—physical gold and silver stand entirely outside the digital matrix, offering genuine, non-fiat, non-corruptible safe haven status.

Contrarian Alignment: This cautious stance aligns with contrarian financial thinkers like Rick Rule and Bank of America’s Michael Hartnett, who emphasize increasing institutional allocations to gold as a hedge against unpredictable risks, contrasting sharply with often-unreliable forecasts from mainstream financial institutions like UBS.

With geopolitical uncertainty and systemic risk driving increased retail demand for precious metals, a new danger has emerged: widespread counterfeit bullion.

Andy Schectman committed a significant portion of the discussion to providing actionable advice on authentication, stressing that in a market flush with fake bars and coins, reputation must supersede price.

When navigating these volatile waters, an investor’s primary concern must be holding authentic physical metal

The insights shared by Kaiser Johnson and Andy Schectman paint a clear picture: global finance is undergoing a fundamental, volatile transformation driven by massive debt unwinds and geopolitical restructuring.

The message is one of caution, education, and strategic contrarian positioning. Physical precious metals are not just an investment; they are an insurance policy against systemic risk—whether that risk originates from a collapsing carry trade, geopolitical conflicts, or even the limits of digital technology.

https://youtu.be/rZIyvPbe_AI

The Reset is Necessary to Correct the Accounting Imbalance

The Reset is Necessary to Correct the Accounting Imbalance

By Rinus Verhagen

The current value of 1 XLM is €67.28 silver and 1 XRP is €226.08 gold each.

Fiat money Scam without real value is overvalued by 8073% to represent the true value of XLM and XRP needed to enable trade between countries and people.

Conclusion that XRP and XLM still have a lot of room to increase in value.

AI overview:

• 100 billion XRP have been created, maximum supply: 100 billion XRP.

• Circulating supply: Approximately 60 billion XRP.

• Not in circulation: Approximately 40 billion XRP, managed by Ripple and released from escrow.

AI overview: It is estimated that more than 200,000 tons (approximately 200 billion kilograms) of gold have been mined in history to date. Most of this has been used in jewelry, but a significant portion is also present in investments, central bank reserves, and industrial applications. Estimates of gold reserves yet to be mined vary, but are around 54,000 tons. The total value of all gold in the world is estimated at approximately €12.5 trillion (or 12,500 billion euros), although this amount fluctuates with the price of gold.

The value is based on an estimated total amount of approximately 200,000 tons of gold mined and yet to be mined. The value is based on an estimated total amount of approximately 200,000 tons of mined and yet-to-be-mined gold.

• Estimated quantity: It is estimated that approximately 200,000 tons of gold have been mined worldwide, with another 50,000 tons in reserves underground.

• Total value: At an estimated price of €50,000 per kilogram (or €50,000,000 per ton), the total value of all the gold on Earth would be approximately €10 trillion.

Reports Goldbase. Others estimate its value at around $12.5 trillion (approximately €11.5 trillion at the current exchange rate).

Fluctuating price: The value of gold changes constantly due to economic, political, and market-related factors.

Current price: At present, the price of gold is approximately €113,040 per kilogram. However, this can change rapidly.

€113,040 x 200,000,000 = The written number is 22,608,000,000,000 / 100 billion = the fair value of XRP = 226.08 per XRP.

AI overview: Approximately 1.74 million tons of silver have been mined, most of which is found in mines, mainly in Mexico, China, Peru, and Russia. The total amount of silver that can still be mined is estimated at more than 580,000 tons.

Current price: The price per kilogram of silver fluctuates constantly, but is around €1,400-€1,450 per kilogram. The price per gram is therefore approximately €1.40-€1.45.

Market fluctuations: The price of silver is volatile and is influenced by the economy, supply and demand, and geopolitical events.

Comparison: Silver is often compared to gold. Historically, silver has been significantly cheaper than gold, platinum, and palladium.

Total value: Because the price of silver changes daily, it is not possible to give an exact total value of all the silver in the world.

AI overview: There are approximately 32.2 billion XLM coins in circulation, which is the active number of tradable tokens. The maximum supply, the total number that will ever be created, is 50 billion XLM coins.

1.74 million tons of silver is 1,740,000,000 kilograms + 580,000,000 = 2,320,000,000 kilograms multiplied by the current silver price of €1,450 per kilogram = €3,364,000,000,000 / 50,000,000,000 XLM

This would mean that 1 XLM could be worth €67.28 or more if no silver has been lost through industrial use.

To cover the current money supply in the world, there is a total of €3,364,000,000,000 + €11,500,000,000,000 = €14,864,000,000,000 available in silver and gold.

AI overview: how much money is there in the world?

The amount of money in the world is difficult to quantify, but recent estimates vary depending on the definition of ‘money’

The M2 money supply (cash, checking accounts, savings accounts, and money markets) is over $90 trillion, while the M0 money supply (physical cash only) is approximately $8 trillion. The total global money supply, including all assets, can reach $1.2 Biljard.

Overview of money supply:

• M0 (cash): Approximately $8 trillion (the sum of all banknotes and coins worldwide).

• M1 (cash + checking accounts): Approximately $50 trillion.

• M2 (including savings and money markets): Over $90 trillion.

• M3 (total, including all assets): Approximately $1.2 quadrillion. This also includes derivatives, cryptocurrencies, and all other financial assets, which greatly increases the total amount of money.

• $1.2 quadrillion is $1,200,000,000,000,000, which corresponds to 1,200 Trillion or 1.2 trillion.

The number  1.2 quadrillion is correctly written as 1,200,000,000,000,000, which is one million two hundred thousand billion, or twelve hundred trillion. Million: 1,000,000 (6 zeros)

• Billion: 1,000,000,000 (9 zeros)

• Trillion: 1,000,000,000,000 (12 zeros)

• Quadrillion: 1,000,000,000,000,000 (15 zeros) 

Fiat money is therefore clearly overvalued by 80.73 times the average value of gold and silver.

The value of XRP and XLM will therefore have to increase by a factor of 80.73, or the money will have to devalue by a factor of 80.73 to cover the current value of 1 XLM at €67.28 and 1 XRP at €226.08 each.

https://dinarchronicles.com/2025/11/25/rinus-verhagen-the-reset-is-necessary-to-correct-the-accounting-imbalance/

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

Good Afternoon Dinar Recaps,

Sechin Sounds the Alarm: Sanctions Risk Triggering Western Economic Crisis

Rosneft CEO warns that continued sanctions could spark a destabilizing blow to the West.

Overview

• Igor Sechin, CEO of Rosneft and close Putin ally, claimed Western sanctions against Russia and China may provoke a “major economic crisis” in Western nations.

• Speaking in Beijing at a Russian-Chinese energy forum, Sechin argued that sanctions have already driven up energy costs in the West, straining both household and state budgets.

• He highlighted Russia and China’s competitive edge in electricity prices, asserting their economies are more resilient under sanction pressure.

Key Developments

• Escalating Sanctions Pressure
  Sechin criticized what he called the West’s “aggressive policy” of sanctions on both Russia and China, warning that these measures jeopardize Western economic stability.

• Electricity Price Disparity
  According to Sechin, electricity in Russia and China costs 2x less than in the U.S., and 3–4x less than in the EU, underscoring a structural competitive advantage. 

• Risk of Rising Social and Fiscal Costs
  He predicted that sustained high energy prices would force Western governments to increase subsidies, drive up household expenses, and constrain their economic potential. 

• Strategic Vision vs Short-Sighted Policy
  Quoting Sun Tzu, Sechin warned that Western sanctions lack long-term strategic thinking — “Tactics without strategy is just vanity before defeat.” 

Why It Matters

Sechin’s remarks expose a paradox: sanctions meant to punish Russia could boomerang, inflicting economic pain on their enforcers. That risk complicates the West’s leverage, especially as energy becomes a contested geopolitical tool — and highlights how economic statecraft can carry unintended blowback.

Implications for the Global Reset

Pillar 2 — Diplomacy & Financial Governance

This warning from a top Russian energy executive could intensify geopolitical fault lines, pushing Western nations to reassess the cost of financial and economic containment strategies.

Pillar 3 — Markets & Strategic Commodities

Energy markets are not just commercial but strategic. If sanctions drive instability in Western energy sectors, global capital may shift to more resilient energy superpowers like Russia and China — reinforcing a multipolar energy order.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Russia’s Sechin says the West could face economic crisis due to sanctions”

• TASS – “Continued sanctions against Russia, China will bring West closer to crisis — Sechin”

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Emerging Economies Push IMF for Governance Reform

The G-24 renews pressure for rebalancing voting power and quota shares within the IMF.

Overview

• The Intergovernmental Group of 24 (G-24) has reiterated demands for updated IMF quotas, arguing that emerging economies lack proper representation.

• Leaders claim outdated governance structures fail to reflect modern global economic realities.

• The reform push comes as developing nations coordinate more closely on monetary and financial policy.

Key Developments

• Quota Realignment Back on the Table
  The G-24 is urging the IMF to accelerate negotiations on quota reform to give emerging markets greater voting power and influence.

• Call for Fair Representation
  The group argues that current structures over-represent advanced economies and under-represent nations driving global economic growth.

• Emphasis on Financial Stability & Equity
  The G-24 highlights how inequitable governance limits the IMF’s ability to respond effectively to global crises.

• Momentum for Multipolar Financial Governance
  The reform push aligns with broader moves toward alternative payment systems, reserve diversification, and south-south financial cooperation.

Why It Matters

Governance reform at the IMF could shift power away from traditional Western financial leadership and toward a more multipolar system. If successful, it would accelerate the global realignment already underway across monetary, trade, and capital systems.

Implications for the Global Reset

Pillar 2 — Diplomacy & Peace Architecture

Greater representation for emerging economies redistributes influence within international institutions, altering the balance of global financial governance.

Pillar 1 — Financial System Architecture

A reweighted IMF could support alternative reserve structures, diversified lending systems, and new financial safety nets beyond traditional Western dominance.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• IMF – “Communiqué of the Intergovernmental Group of 24 on International Monetary Affairs and Development”

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News, Rumors and Opinions Tuesday 11-25-2025

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. 25 Nov. 2025

Compiled Tues. 25 Nov. 2025 12:01 am EST by Judy Byington

Global Financial System:

Mon. 24 Nov. 2025 The Quiet Transition to the new Global Financial System …CQFS on Telegram

Governments aren’t going to “announce” CQFS. They’re going to upgrade into it – piece by piece, quietly, methodically.

You won’t see breaking news. You’ll see bank maintenance updates. You’ll see “scheduled improvements to cross-border payment systems.” You’ll see “compliance modernization to ISO 20022 standards.”

Behind that language? A total rebuild of how value moves – from manual reconciliation to verified transparency.

The Integration Process: Here’s how the connection is forming in real time:

ISO 20022 Migration: Governments and central banks are already standardizing messaging formats – the same structure CQFS uses.

Liquidity Access: State institutions begin tapping into decentralized liquidity pools to settle faster and cheaper.

Blockchain Record-Keeping: Slowly, internal ledgers are being mirrored on distributed systems – public, immutable, auditable.

No fanfare. No “launch date.” Just quiet upgrades that change everything beneath the surface.

The Hidden Signal: By the time the public hears about it, it’ll already be running. Just like the internet existed long before anyone called it “the internet.” You’ll wake up one day and realize that the systems already in place – the payments, the data formats, the verifications – all speak the CQFS language.

Why This Matters: The ones who understand this before it’s official – the early interpreters of this silent shift -will be the ones ready to build, teach, and lead when the rest of the world is still “waiting for the announcement.” By the time the headlines catch up, the foundation will already be owned by those who saw it forming.

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Global Currency Reset: (RUMORS)

On Sun. 23 Nov. 2025 the Global Currency Revaluation (allegedly) launched in full.

On Tues. 25 Nov. 2025 Tier4b (Us, the Internet Group who purchased Zim and foreign currencies) will be (allegedly) notified to set exchange appointments, which begin Wed. 26 Nov. 2025.

The Iraqi Dinar appeared (allegedly) on Forex screens at $3.40–$15.20, ZIM at 1:1, and VND locked to BRICS gold.

The Quantum Financial System is (allegedly) live, processing trillions in seized Cabal wealth: $150 trillion now flowing into humanitarian and personal accounts.

NESARA/GESARA (allegedly) activated November 20—complete debt jubilee for mortgages, credit cards, student loans, and medical debt across 209 nations by February 1, 2026. This is the greatest wealth transfer in history, ordained from above.

$2,000 direct deposits(allegedly)  hit every American account this week via tariff dividends. Full payouts cascade through December 1.

The new gold-backed USN will be (allegedly) announced by President Trump on Thanksgiving Day. GESARA’s 1:1 parity mandate takes effect December 10. The fiat beast is slain.

Rejoice, for the Lord has remembered His people. What was stolen is restored sevenfold. Walk in faith, steward wisely, give generously. The Kingdom of abundance is at hand.

Mon. 24 Nov. 2025 Adam Stephens: Soon you will be hearing some very good news coming from Zurich and Reno. This is beginning to be real now. The notifications for the 4B will coming any day now. A lot of Bondholders are(allegedly)  receiving their notifications.

Sat. 22 Nov. 2025: REALPEOPLEREALNEWS: Wolvie says that bondholders are receiving Tier 4B notifications. Medbeds are ready to go all over the country (Australia)

Sun. 23 Nov. 2025: THE FED’S FINAL GAMBIT: All Eyes on Powell – The Most Explosive Economic Week Since the Pandemic – amg-news.com – American Media Group

Sun. 23 Nov. 2025: US DEBT CLOCK EXPOSED: The Fed Scam, the Sovereign Solution & the 50-State Banking Revolution – amg-news.com – American Media Group

Sun. 23 Nov. 2025: INTEL REPORT: TIER 1–5 STRUCTURE EXPOSED – THE INVISIBLE ENGINE BEHIND THE GLOBAL CURRENCY RESET (GCR 2025) – amg-news.com – American Media Group

Read full post here:  https://dinarchronicles.com/2025/11/25/restored-republic-via-a-gcr-update-as-of-november-25-2025/

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

Frank26   [Iraq boots-on-the-ground report]  FIREFLY:The Central Bank of Iraq noted they are not changing the current exchange rate just yet...But Prime Minister did confirm the new currency mechanism is coming out on December 1st.  They're planning a shift to strengthen the currency.  The update today, the currency rate stays the same but change is on the horizon for next month.  FRANK:  Allow Sudani to tell you the truth about the monetary reform and allow Alaq to defend the new exchange rate by denying it for now.

Jeff    They did tell us [In the Newsweek cover story] that these elections for this year of 2025 are the most important elections Iraq has ever had or held since the year of 2003 when the war started.  Why are the 2025 elections the most important ones since the whole war started in 2003?  Because it's these elections that remove the political corruption.  It's these elections that get them back on the international world stage.  It's these elections that usher in and introduce the rate change, that's why.

Sandy Ingram  The CBI announced it's Investment Department will now take a more active role in protecting the value of the Iraq dinar...For the first time instead of that hundred billion US dollars just sitting in the Federal Reserve Bank, Iraq is going to invest its reserves...This sounds like a good thing as long as the investments are safe...The central bank is serious about using the financial tools and large reserves to avoid currency shocks and strengthen the economic stability...The CBI is taking a more hands-on approach to protecting the dinar and keep Iraq's economy on a steady path.  This is good news and this is big news.

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

Japan Just Triggered Biggest Unwind in Financial History - THIS Changes Everything: Peter Grandich

Daniela Cambone:  11-24-2025

"The invisible bid that's been propping up the entire developed world for a generation is vanishing in real time," warns financial strategist Peter Grandich of Peter Grandich & Company.

In today's interview with Daniela Cambone, he details how Japan's seismic shift away from its three-decade-long role as the world's "money printer" is set to send shockwaves through the global economy.

Grandich breaks down the explosion of the "greatest carry trade in financial history," explaining how for 30 years, Japan's zero-interest policy artificially suppressed borrowing costs worldwide, fueling everything from cheap mortgages to sky-high stock multiples.

 "That single number just ended it," he states, revealing how the end of Japan's endless money printing is already impacting U.S. Treasury markets.

https://www.youtube.com/watch?v=eXmBuPXKNjU&t=38s

Trump Revealed The Economic Plan, The Entire Country Is About To Change

Trump Revealed The Economic Plan, The Entire Country Is About To Change

X22 Report:  11-24-2025

In this video he and 589Bull talks about Presidents Trumps plan…..fiat system is dying…the return of the gold standard…a gold revaluation…..auditing Ft. Knox…..the death of taxes and the IRS……and  “IRAQ’S IQD IS PREPPING FOR INTERNATIONAL USE”!

Trump is bringing the new economic system online and the old system is dying.

(See minute 11:00 or so for a synopsis and minute 15:00 or so for DJT’s  financial “reset” plan according to 589Bull)

We are about to see the entire financial system change and it’s going to be incredible.

The [DS]/[CB] are moving forward with their tax plan world wide, this will destroy their [CB] system.

You can now see the difference between the red states and blue states.

The American replacement of foreign workers is now in progress.

Trump reveals the economic plan to the people.

https://www.youtube.com/watch?v=MN6xZE8TntE

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

Good Morning Dinar Recaps,

ISO 20022 Goes Fully Live: A Quiet Revolution in Global Payments

SWIFT’s final cutover retires legacy messaging and ushers in a data-rich financial architecture.

Overview

• SWIFT has officially completed its global transition from MT to ISO 20022, ending decades of legacy payment formats.

• Banks and financial institutions worldwide are now required to use the new standard, expanding data fields, automation capability, and semantic clarity.

• The transition enhances interoperability, creating a unified, machine-readable framework for future digital money systems.

Key Developments

• End of Legacy MT Messages
  SWIFT formally ended MT payment instructions, marking the full adoption of ISO 20022 for cross-border payments, securities, and cash management.

• Higher-Quality Payment Data
  The new format provides structured, enriched data that reduces errors, improves compliance screening, and accelerates settlement speeds.

• Foundation for Next-Gen Financial Technology
  ISO 20022 enables automated reconciliation, faster straight-through processing, and seamless integration with tokenized assets and CBDC infrastructure.

• Global Adoption Momentum
  Banks across Europe, Asia, the Middle East, and the Americas have been preparing for years, but the final switch marks the first time all major global payment rails speak a common language.

Why It Matters

ISO 20022 doesn’t change currencies directly — it changes the pipes they move through.
By modernizing global payment messages, it lays the groundwork for programmable payments, digital currencies, enhanced liquidity management, and new layers of interoperability that will reshape how value moves across borders.

Implications for the Global Reset

Pillar 1 — Finance Infrastructure Modernization

ISO 20022 is becoming the backbone of a redesigned global financial system, enabling central banks, clearinghouses, and commercial banks to operate on a unified data standard.

Pillar 4 — Currency Evolution

The standard’s structured data model is compatible with CBDCs, tokenized deposits, and future cross-border digital currency corridors — positioning it as a foundational layer for emerging monetary architectures.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• PaymentExpert – “SWIFT’s ISO 20022 Cutover: The End of MT and a 20-Year Promise”

• Capco – “ISO 20022: The Silent Revolution in Global Payments”

~~~~~~~~~~

IMF Advances Global Digital Money Oversight

New IMF data protocols aim to unify how nations track CBDCs, stablecoins, and crypto-assets.

Overview

• The IMF has completed its first global test run for collecting digital-money data, covering CBDCs, stablecoins, and crypto markets.

• The pilot is part of the G20 Data Gaps Initiative (DGI-3), designed to standardize how countries report emerging forms of money.

• The framework prepares central banks for a world where digital currencies operate alongside traditional fiat.

Key Developments

• Pilot Data Collection Completed
  From July to November 2025, countries tested new protocols for reporting CBDC usage, stablecoin circulation, and cross-border digital transactions.

• Moves Toward Unified Global Reporting
  The IMF is preparing to roll out a permanent, standardized reporting regime, improving visibility over how digital money flows across borders.

• Focus on Systemic Risk & Transparency
  The new framework is designed to detect vulnerabilities early, especially in fast-moving digital asset markets.

• Preparation for Digital Currency Integration
  By harmonizing reporting frameworks, the IMF is laying the technical groundwork for coordinated regulations — and potentially interoperable CBDC systems in the future.

Why It Matters

A standardized global reporting structure for digital money creates the visibility needed for regulators, central banks, and international institutions to manage the growing digital financial ecosystem. This marks a major step toward integrating CBDCs and stablecoins into the core of the global monetary system.

Implications for the Global Reset

Pillar 2 — Diplomacy & Governance

Harmonized digital-money oversight increases coordination between nations and strengthens multilateral influence in shaping the future financial architecture.

Pillar 4 — Currency Evolution

Consistent global reporting makes it easier for CBDCs to become mainstream, accelerating the shift toward programmable and interoperable digital currency systems.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• IMF – “Digital Money: Guidelines for Test Data Collection (DGI-3)”

• IMF – “DGI-3 Key Messages”

~~~~~~~~~~

U.S. Signals Possible Intervention in Venezuela as Terror Designation Escalates Tensions

Rep. Maria Salazar suggests Washington may be preparing direct action amid oil, security, and geopolitical stakes.

Overview

• Rep. Maria Salazar claims the U.S. is “about to go in” to Venezuela, signaling potential military or regime-change action.

• The U.S. has designated Nicolás Maduro’s regime and the Cartel de los Soles as a Foreign Terrorist Organization, dramatically raising the stakes.

• Venezuela’s massive oil reserves and alleged ties to hostile groups are being cited as justification for stronger U.S. measures.

Key Developments

• Salazar’s Warning of U.S. Action
  Speaking on Fox Business, Rep. Salazar said Maduro “understands we’re about to go in,” framing intervention as beneficial to the U.S. economy and national security.

• Oil as a Central Strategic Factor
  Venezuela holds the world’s largest proven oil reserves. Salazar argued intervention could unlock “more than a trillion dollars in economic activity” for U.S. companies.

• Terrorist Designation Takes Effect
  The State Department’s designation of Cartel de los Soles — allegedly headed by Maduro — places the Venezuelan leadership within the same legal framework as foreign terrorist organizations.

• Military Pressure Rising
  The U.S. has deployed the world’s largest aircraft carrier to the Caribbean, following months of maritime operations targeting suspected drug-smuggling vessels.

• Historical Parallels Drawn
  Salazar compared the situation to the 1989 U.S. intervention in Panama, suggesting Venezuelans would welcome U.S. forces similarly.

Why It Matters

The convergence of military deployment, terrorist designations, and political rhetoric signals a serious escalation in U.S.–Venezuela tensions. If Washington moves toward intervention, it would reshape hemispheric geopolitics, energy markets, and U.S. relations with Latin America — all at a moment when global power balances are already shifting.

Implications for the Global Reset

Pillar 2 — Diplomacy & Peace Architecture

A U.S. intervention would heighten geopolitical fragmentation, accelerate alignment shifts in Latin America, and further test global diplomatic frameworks already strained by multipolar competition.

Pillar 3 — Markets & Strategic Commodities

Venezuela’s vast oil reserves could become a major factor in global energy restructuring. Any U.S.-led regime change could dramatically influence oil production, pricing, and strategic access critical to the emerging financial order.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Newsweek – “Republican Says US ‘About to Go In’ to Venezuela, With Oil a Key Reason”

• Anadolu Agency – “US lawmaker says Venezuelan president knows ‘we’re about to go in’”

• Common Dreams – “‘Venezuela, for the American Oil Companies, Will Be a Field Day,’ Says US Lawmaker Pushing Invasion”

• Newsweek – “Republican Says US ‘About to Go In’ to Venezuela, With Oil a Key Reason”

~~~~~~~~~~

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

5 Brutal Truths About Building Wealth

5 Brutal Truths About Building Wealth

Cindy Lamothe  Mon, November 24, 2025 GOBankingRates

Building wealth isn’t all sunshine and Instagram-worthy moments. While everyone loves talking about side hustles, passive income and shiny financial freedom, the truth is a bit grittier. There are no shortcuts, no magic formulas and, yes, some tough lessons along the way.

Here are some brutal truths about building wealth that will help you in the long run.

1. It’s a Long, Slow Game

“Building wealth is unfortunately about playing the long, slow game,” explained Brett Horowitz, principal and wealth manager at Evensky & Katz / Foldes Financial Wealth Management.

He said most people know someone who struck it rich by buying Apple stock 30 years ago or Nvidia stock 10 years ago. “The truth is that those investors had to sustain long time periods where they either lost money, or barely made money,” he said.

Both companies were mostly irrelevant at some point and investors who held those stocks were extremely fortunate, or proficient, but mostly fortunate, to have made so much money holding those stocks. “Picking individual stocks is often a recipe for failure and the best way to make money is through hard earned saving,” he said.

2. Trading Is Hazardous to Your Wealth

While some may view trading as a way to build wealth, it may not be a good option. According to Horowitz, the more often you trade, the worse you do. “Or as we say ‘your portfolio is like a bar of soap, the more you play with it, the smaller it gets,'” he said.

He noted that overconfidence can explain high trading levels and the resulting poor performance of individual investors. “Our central message is that trading is hazardous to your wealth,” he said.

Horowitz explained that trading typically involves fees and taxes, so the more you trade, the more these costs drag down the portfolio’s return.

3. Your Fear Is Costing You Big

TO READ MORE:  https://finance.yahoo.com/news/5-brutal-truths-building-wealth-160605824.html