6 Financial Warnings To Prepare For 2025

I’m a Wealth Strategist: 6 Financial Warnings To Prepare For 2025

Jordan Rosenfeld   GOBankingRates   Wed, January 8, 2025

Most years, people’s finances remain relatively the same from year to year, barring the job changes, emergencies or retirement. However, 2025 is a unique year that finds people with a lot of financial questions as costs of living remain high and a new presidential administration is coming into the White House.

Check Out: 4 Low-Risk Ways To Build Your Savings in 2025

Dr. Constance Craig-Mason, a financial planner, national Social Security advisor and CEO of Concierge Financial Advisory, offered some “financial warnings” for this new year, taking into account “financial behaviors and market realities.”

Craig-Mason said, “Preparing for [2025] requires vigilance and intentionality.” Here are the top warnings she’s sharing with her clients to help them navigate 2025 with confidence.

Don’t Let Volatility Lead To Financial Sabotage

With economic uncertainty persisting, Craig-Mason is warning clients against overreacting to market swings. Emotional investing often results in buying high and selling low, eroding long-term gains, she said.

“My advice? Stay grounded in your strategy, focus on diversification and avoid chasing trends that promise quick returns. Wealth-building is a marathon, not a sprint.

Higher Rates Are a Double-Edged Sword

While interest rates are creating opportunities for savers, they’re also squeezing borrowers, Craig-Mason shared. “I’m warning clients to avoid stretching themselves thin with high-interest debt like credit cards.”

Refinancing may not be favorable until rates stabilize, either, she said, so she recommended aggressive debt repayment and locking in savings rates before they drop.

TO READ MORE:  https://www.yahoo.com/finance/news/m-wealth-strategist-6-financial-200013854.html

“Tidbits From TNT” Thursday Morning 1-9-2025

TNT:

Tishwash:  Iraq, Jordan forge stronger ties to boost regional stability and economic growth

 Former Jordanian government spokesperson Mohannad Mubaidin affirmed, on Thursday, the ongoing collaboration between Iraq and Jordan to maintain security and stability in the region, particularly in light of last year’s rapid developments.

"King Abdullah II is committed to ensuring that Jordan’s relationship with Iraq is both impactful and geared towards achieving stability and security in the Middle East,” Mubaidin said in an exclusive statement to Shafaq News, adding that "several meetings have been held between the two sides, focusing on key areas, including bolstering security systems and combating terrorism."

High-Level Visits Cement Relations

Iraqi Prime Minister Mohammed Shia Al-Sudani visited Jordan on Dec. 11, 2024, meeting with King Abdullah II to discuss Arab and regional strategies amid ongoing developments in the region, particularly in Syria. This visit underscored Iraq’s strong interest in its ties with Jordan.

On Dec. 15, 2024, Iraqi Parliament Speaker Mahmoud Al-Mashhadani traveled to Amman, where he met King Abdullah II, Jordanian Parliament Speaker Ahmed Safadi, and Senate President Faisal Al-Fayez. According to a statement from Al-Mashhadani’s office, his meeting with Jordanian Prime Minister Jaafar Hassan focused on strengthening bilateral cooperation across political, economic, and security domains, aiming to support stability and development in both nations.

Economic and Trade Ties Flourish

Jordanian officials have emphasized the strategic importance of their partnership with Iraq. Mubaidin reiterated, "Jordan recognizes the depth and significance of its relationship with Iraq and consistently advocates for joint efforts to ensure Iraq’s security and stability while fostering a comprehensive partnership that benefits both nations."

Economic ties between the two countries also remain robust. On Tuesday, the Jordanian Chamber of Commerce announced that Iraq ranked as Jordan’s largest importer in 2024, with total imports valued at 691 million Jordanian dinars.

The oil trade is another vital pillar of cooperation. According to statistics released by Iraq’s State Oil Marketing Organization (SOMO) on Dec. 28, 2024, Iraqi oil exports to Jordan rose by 7.45% over the first 11 months of 2024, reaching 3.56 million barrels compared to 3.31 million barrels during the same period in 2023. SOMO further reported that Jordan imported approximately 3.8 million barrels of Iraqi oil last year under a renewed agreement signed in mid-2024.

Expanded Energy Cooperation

In August 2024, Iraq and Jordan agreed to increase monthly oil exports from 10,000 barrels to 15,000 barrels, raising the annual total from 300,000 barrels to 450,000 barrels. This expansion now covers approximately 10% of Jordan’s crude oil needs, reflecting the strengthening economic ties between the two nations.

Through mutual commitments to security, economic development, and energy collaboration, Iraq and Jordan continue to set an example of regional partnership, working together to promote stability and prosperity for their citizens. link

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Tishwash:  Head of Parliamentary Finance to World Bank delegation: We support any loans that bring benefit

On Wednesday, January 8, 2025, the head of the Parliamentary Finance Committee, Atwan Al-Atwani, met with a delegation from the World Bank headed by Jean-Christophe Carré, Regional Director for the Middle East, to discuss supporting the railway rehabilitation project within the Development Road Project, stressing support for borrowing.

 We support any loans that are beneficial.

According to a statement by Al-Atwani's office, seen by "Ultra Iraq", "the meeting reviewed the economic and regional vision of the development road project and its strategic importance in stimulating investment movement, maximizing non-oil revenues, and providing job opportunities. It also discussed the possibility of the private sector contributing to its implementation."

The meeting also "discussed the multi-stage support provided by the World Bank for the Development Road Project, including modernizing and rehabilitating the current railway network and linking it from southern Iraq through the north and reaching Turkey."

The statement added: "Al-Atwani reiterated his emphasis that the infrastructure of the development road should be in the hands of the government so that this important project that links Iraq to the countries of the world is not subject to influences." The head of the parliamentary committee pointed out that "our vision is that the development road project should not be a mere transit point, but rather we seek to make it a gateway to activate various economic and commercial activities and develop the infrastructure," calling on the World Bank delegation to present new visions and ideas regarding achieving the optimal investment for this huge project that is hoped to make Iraq an economic corridor linking Asia to Europe."

Al-Atwani stressed the "necessity of expediting the submission of the feasibility study related to the railway development plan within the development road project, and contributing to mobilizing international expertise and attracting the private sector to invest in it in a way that achieves the country's interest."

He added: "We look forward to holding joint workshops and extensive meetings with the World Bank, to provide a full briefing on the project details and discuss its details in a way that secures broad parliamentary support for this borrowing," indicating that "the Finance Committee supports any loans that are economically feasible and bring great benefit to the Iraqi economy, especially since investment in the railway sector is a successful trend and achieves a large financial return." 

For his part, according to the statement, "the World Bank delegation appreciated the valuable comments made by Al-Atwani within the framework of the rapid transition from the planning and vision stage to the implementation stage, stressing the World Bank team's readiness to submit the feasibility study, project path and details by next February."  link

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

Liquidity ‘shortage’ dismissed by economic expert Dagher, calls for focus on non-oil revenues

Economic expert Mahmoud Dagher rejected the notion of a liquidity crisis in Iraq due to sufficient financial revenues and stable oil prices exceeding $70 per barrel. In an interview with Al-Rasheed TV, Dagher emphasized that Iraq’s financial situation remains stable and capable of covering salaries, even in the event of a drop in oil prices below the budgeted threshold.

He further noted that in scenarios of declining oil revenues, the government has the option to reduce or halt investment expenditures to secure operational budget requirements, a strategy previously adopted during former Prime Minister Haider Al-Abadi’s tenure.

He concluded by urging a focus on non-oil revenues to diversify Iraq’s financial resources, cautioning against populist approaches to economic policy and calling for pragmatic decision-making to address the country’s structural financial challenges.

Excerpts from Mahmoud Dagher’s interview:

We have three types of salaries in the state: employees, retirees under the Pension Authority and the Social Welfare Network, which is covered by the Ministry of Finance through its dollar revenues, converted into dinars via the Central Bank. In case of a liquidity shortage, borrowing becomes the alternative.

There is no liquidity shortage, but rather poor management and coordination. Revenues are sufficient, and oil prices remain above $70 per barrel. Therefore, salaries cannot be stopped. However, there is a coordination issue between the Ministry of Finance and the Central Bank, as approval takes 30–40 days to be reinforced, and we need some accounting adjustments to resolve the matter.

If oil prices drop, the investment budget can be reduced or halted to ensure the operational budget is secured. Previous governments adopted this approach several times, particularly in 2015 and subsequent years.

I support an annual budget because it accounts for all variables. The three-year budget did not achieve the financial stability it was supposed to, as it remains merely a set of future plans. Moreover, we have not benefited from the annual budget system in past years due to delays in its approval.

A weak economy with limited options does not allow for ambitious moves. It requires a wise decision-maker. So far, the Iraqi government has been prudent in its economic decisions. However, Mr. Ammar Hakim’s warnings about the Syrian currency scenario are directed at political leaders, cautioning them against the risk of U.S. sanctions.

In politics, we can talk about rising growth rates, but in economics, it’s a different story. On the ground, Iraq still lags in infrastructure development. We must increase non-oil revenues, and if some are displeased, so be it—because we must move away from populism. link

Mot:  So how Cold is Cold 

Mot:  ... So There 

MilitiaMan & Crew Iraq Dinar News-USA-Regional Security-Iraq Mediator-Major Player in Regional Stability

MilitiaMan & Crew Iraq Dinar News-USA-Regional Security-Iraq Mediator-Major Player in Regional Stability

1-8-2025

The Crew:  Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man

Be sure to listen to full video for all the news……..

https://www.youtube.com/watch?v=8s8MYF7Kd_g

Is It Better to Be Rich or Wealthy

Is It Better to Be Rich or Wealthy

Rebecca Lake   Thu, August 24, 2023

Being rich and being wealthy are often seen as being the same thing. After all, people who are rich or wealthy tend to have more assets and greater financial freedom than the typical person. In reality, there are some major differences that define what it means to be rich vs. wealthy. If your financial goals include rising to the ranks of the rich or growing wealth, it’s important to know how they compare.

A financial advisor can help you create a financial plan for your wealth management needs and goals.

Finding a qualified financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to 3 fiduciary financial advisors in your area in 5 minutes. Each advisor has been vetted by SmartAsset and is held to a fiduciary standard to act in your best interests.

If you’re ready to be matched with local advisors that can help you achieve your financial goals, get started now.

What Does It Mean to Be Rich?

Income is often used as a standard when measuring what it means to be a rich person. So what income is considered rich?

If you’re looking at the top 1% of earners, then you’d need an annual income of $540,009 to be rich, according to the Internal Revenue Service (IRS). The Economic Policy Institute (EPI) defines the top 1% as people who earn $819,324 or more per year.

What about the top 5% or the top 20%? If you think of the top 5% as being rich, then you’d need to make $335,891 per year according to the EPI. If you’d like to crack the top 20%, you’d need to earn $130,545 per year, according to a SmartAsset analysis of income distributions in the top 100 largest U.S. cities.

It’s important to keep in mind that income alone does not necessarily determine whether you’re rich or not. Someone who makes a higher income but spends instead of saving or has significant amounts of debt, for example, may live a rich lifestyle but be broke on paper.

What Does It Mean to Be Wealthy?

Wealth is often defined in terms of net worth. Net worth is a measurement of the difference between your assets and liabilities.

Generally, a liquid net worth of $1 million would make you a high net worth (HNW) individual. To reach very high net worth status, you’d need a net worth of $5 million to $10 million. Individuals with a net worth of $30 million or more might qualify as ultra-high net worth.

Those numbers reflect how the financial industry typically views wealth. The average American views a net worth of $774,000 as enough to be financially comfortable, with a net worth of $2.2 million required to be wealthy. That’s according to Schwab’s 2022 Modern Wealth Survey.

Differences Between Rich vs. Wealthy

TO READ MORE:  https://finance.yahoo.com/news/key-differences-between-rich-wealthy-140035053.html

Iraq Economic News and Points to Ponder Wednesday Afternoon 1-8-25

Presidencies Discuss Preparations For 2025 Elections And Financial Liquidity For Ministries And Governorates

Time: 2025/01/08 20:00:05 Read: 182 times  {Politics: Al Furat News} The presidencies held a meeting today, Wednesday, at the Baghdad Palace, which included the President of the Republic, Abdul Latif Jamal Rashid, the Speaker of the House of Representatives, Mahmoud Al Mashhadani, and the President of the Supreme Judicial Council, Judge Faiq Zidane.

The attendees, according to the Presidency of the Republic, discussed preparations for the 2025 parliamentary elections and the need to provide logistical and technical requirements for the Independent High Electoral Commission.

In the financial aspect, the issue of cash liquidity and financing ministries and governorates from the investment budget and the regional development budget were discussed. The need to meet the financial obligations of institutions and ministries and follow the standards of oversight and auditing of expenditures to protect public money and reduce corruption was emphasized.

The meeting discussed the delay in presenting some important draft laws prepared by the Presidency of the Republic to the sessions of the Council of Representatives, and the need for joint work and coordination between the Presidency of the Republic and the Council of Representatives to include the delayed draft laws on the Council's session program was emphasized, as they are related to the interests and work of citizens.

The attendees stressed the need to support the government in completing and completing the paragraphs of its program by improving the reality of services, improving the living conditions of citizens, supporting the Iraqi economy, and encouraging the private sector in a way that contributes to achieving comprehensive development.

Regarding the current developments in the region, emphasis was placed on consolidating security, peace and stability in the region, and the importance of supporting international efforts and endeavours to contain crises and find solutions to problems and issues through constructive dialogue that enhances international peace and security.   LINK

The World Bank Announces The Date For Submitting The Feasibility Study, The Path Of The Development Road Project And Its Details

economy | 08/01/2025  Mawazine News – Baghdad  The World Bank announced its readiness to submit the feasibility study, the path and details of the development road project by next February.

A statement by the House of Representatives received by (Mawazine News) stated that "the head of the Finance Committee, Atwan Al-Atwani, received today, Wednesday, a delegation from the World Bank headed by (Jean-Christophe Carré), Regional Director for the Middle East, to discuss supporting the railway rehabilitation project within the Development Road Project.

The meeting reviewed "the economic and regional vision for the Development Road Project and its strategic importance in stimulating investment movement, maximizing non-oil revenues and providing job opportunities, and also discussed the possibility of the private sector contributing to its implementation."

The meeting also discussed the multi-stage support provided by the World Bank for the Development Road Project, including modernizing and rehabilitating the current railway network and linking it from southern Iraq through the north and reaching Turkey.

Al-Atwani reiterated his emphasis on the government's control over the infrastructure of the Development Road so that this important project that connects Iraq to the countries of the world is not subject to influences.

The head of the committee indicated that "our vision is for the Development Road Project not to be just a transit point, but rather we seek to be a gateway to stimulating various economic and commercial activities and developing infrastructure, calling on the World Bank delegation to present new visions and ideas regarding achieving optimal investment for this huge project Which is hoped to make Iraq an economic corridor linking Asia to Europe.

He stressed the need to expedite the submission of the feasibility study related to the railway development plan within the development road project, and to contribute to mobilizing international expertise and attracting the private sector to invest in it in a way that serves the country's interests.
Al-Atwani concluded:

We look forward to holding joint workshops and expanded meetings with the World Bank, to provide a full briefing on the project details and discuss its details in a way that secures broad parliamentary support for this borrowing, indicating that "the Finance Committee supports any loans with economic feasibility and that greatly benefit the Iraqi economy, especially since investment in the railway sector is a successful trend and achieves a large financial return.

For his part, the World Bank delegation appreciated the valuable comments presented by Al-Atwani within the framework of the rapid transition from the planning and vision stage to the implementation stage, stressing the World Bank team's readiness to submit the feasibility study, the project path and its details by next February.   https://www.mawazin.net/Details.aspx?jimare=258330

Dollar Prices Rise Again Against Dinar In Baghdad And Erbil Markets

Economy |  08/01/2025  Mawazine News – Economy  The exchange rate of the dollar against the Iraqi dinar rose on Wednesday afternoon in Baghdad markets, while it stabilized in Erbil, the capital of the Kurdistan Region, with the closing of the stock exchange.

The dollar price also rose with the closing of the Al-Kifah and Al-Harithiya stock exchanges to record 151,000 dinars per 100 dollars, while it recorded 150,800 dinars per 100 dollars this morning.

The selling prices stabilized in exchange shops in the local markets in Baghdad, where the selling price reached 152,000 Iraqi dinars per 100 dollars, while the purchase price reached 150,000 dinars per 100 dollars.

As for Erbil, the dollar recorded stability, where the selling price reached 150,950 dinars per 100 dollars, and the purchase price reached 150,850 dinars per 100 US dollars. https://www.mawazin.net/Details.aspx?jimare=258341

Chairman Of The Integrity Commission Stresses The Importance Of Developing Mechanisms To Prevent And Combat Corruption

Political |  08/01/2025  Mawazine News – Baghdad   The Chairman of the Federal Integrity Commission, Mohammed Ali Al-Lami, discussed with the President of the Karkh Court of Appeal, Judge Khaled Taha, today, Wednesday, effective ways to prevent and combat corruption and develop its mechanisms.

The Chairman of the Integrity Commission, Mohammed Ali Al-Lami, said in a statement received by (Mawazine News): "The task of combating corruption requires strenuous efforts and everyone should contribute to it, whether official or popular activities,"

noting that "the Commission realizes the great burden placed on the judiciary in considering corruption cases, especially since its investigators work under the supervision of investigating judges and are aware of the grave responsibility borne by the judiciary, especially the large number of reports and criminal cases that need to be resolved."

He pointed out "the importance of providing a safe environment free of corruption that leads to encouraging investment and attracting investors," indicating "the importance of developing mechanisms to prevent, protect against, combat and prosecute corruption perpetrators."

He pointed out that "the oversight work undertaken by the Commission is not limited to the investigative and punitive aspect, but also includes the preventive and educational awareness aspects, which are no less important than the deterrent aspect,"

 noting that "what the other departments of the Commission are doing to develop culture in the public and private sectors values ​​personal integrity and honesty, respect for the ethics of public service, and adopting transparency and submission to accountability and interrogation, through public awareness and education programs."

For his part, the President of the Karkh Court of Appeal, Judge Khaled Taha, stressed, according to the statement, "the partnership and joint work with the oversight agencies to preserve public money," praising "all efforts aimed at achieving the supreme interest of the country and moving towards achieving the rule of law, pursuing the corrupt and recovering looted funds."

He added that "the goal of the judiciary and other competent authorities working under its supervision is to treat and not just accuse," noting "the high level of coordination and cooperation between the judiciary and integrity and the relentless pursuit of completing cases and issuing appropriate decisions against the accused."   https://www.mawazin.net/Details.aspx?jimare=258327

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

Wednesday Evening Chat With MarkZ 1-8-2024

Wednesday Evening News With MarkZ

MarkZ  Update- Some highlights by PDK-Not verbatim

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

Member: GE Mark Z , Mods & everyone!

Member: Mark- what have you heard today?   Anything good?

MZ: Things are looking good and there has been a lot of activity today.

 MZ: Suddenly a lot of banking contacts have been checking in. Which is exciting. I have had 4 confirmations today from banking contacts that I have known for years….they are telling me now to prepare for new rates.

MZ: One of them said “It looks like that thing you are expecting is happening by Saturday….New rates by or on Saturday” Stay calm though.

Member: Mike Bara just posted....before the 10th

Member: Just saw the Dinar on Forex Mark... It's there and my Banker from Chase called me and let me know to be prepared.

Member: Anything new on the Zim?

MZ: Rates are still expected to be between $33 million to $50 million per 100T note. Still hearing $330K per $1 billion on Agros…..I hope Its correct.

MZ: “Sudanese directs to finance the Kurdistan region with more than 176 Billion Dinars” Sudani keeps sending it but rumor is the Maliki crew is causing problems . But it will not cause any delays for us I was told. Expect a lot of craziness on the boards in the coming hours that its Sudanis fault. But I was told quite clearly by contacts I trust that Sudani is not the issue.

Member: so will Maliki be the excuse when we are entering February...he has been for numerous years…

MZ: “There is no fear for the regime in Iraq as long as America and the Marjuryas are satisfied. Government towards independence”  They are telling you things are great as long as Sudani and Trump stay on the same page

Member: Thanks Mark and Mods…..have a wonderful evening to everyone.

Mod:  JOIN US TONIGHT AT 8:00 PM EST FOR WHISKEY AND WISDOM! HOPE TO SEE YOU THERE!

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

FOLLOW MARKZ : TWITTER . https://twitter.com/originalmarkz?s=21. TRUTH SOCIAL . https://truthsocial.com/@theoriginalm...

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

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

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

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

Youtube:     https://www.youtube.com/watch?v=1wfXjxkQG-w

Bruce’s Big Call Dinar Intel Tuesday Night 1-7-25

Bruce’s Big Call Dinar Intel Tuesday Night 1-7-25 

Transcribed By WiserNow Emailed To Recaps

Welcome everybody to the big call tonight. It's Tuesday, January 7th and you're listening to the big call. Welcome everybody, all around the globe, wherever you're located. We're glad you joined us – we’re going to have a good call tonight and looking forward to it. I've got some pretty good intel to give you guys, but before we get into that, I would like to go ahead and  pray to call in, like we do every Tuesday and Thursday night

You know, guys, I want to pray in a request now that is fairly recent since 10:30 Pacific time this morning, we heard that there were major fires in Southern California in the Palisades area. They think they call it Pacific Palisades, but they're referring to it as Palisades, and these are hurricane force type winds, Santa Ana winds that are fueling this fire.

All right, let's cut into Intel, and let's see what  we have to talk about tonight. What's very interesting to me is that we are hearing we heard from Iraq yesterday that President Trump had spoken with President sudani of Iraq

Now let's cut to the banks and redemption centers for a moment, banks today are getting rates on their screens that are fluctuating. That means they're trading. They're moving up and down, whatever is going on with those currencies and trading.

The Redemption centers today, however, are not seeing rates on the screen. And that's okay, because the rates that are going to show up, and it should be tomorrow, should be tomorrow are going to reflect new values, higher values, and I believe the Iraqi dinar is one that will show a higher than what was on the screens the last couple of days.

 Now we've heard it has RV, 1 -2-3-4, times already, or whatever, already, and maybe it did, but this is a way that Iraq is going to put out their rate internationally, and so that we can see it too here in the United States, sometimes we're blocked on it.

 Now, the other thing is, when it comes to the Forex, the Forex rates, affect the Bank screens, the bank rates on the screens, the redemption center screens are not coming off of the Forex. They're being I don't want to use the term manipulated, but they're being controlled by other aspects, and I think that's really going to be good. Really good.

So what we're hearing from several sources today was that we will have, tomorrow will be a day of releases, which I believe we're talking about financial releases to the banks globally.

And I'll come back and finish that statement in a minute.

What's been happening since early this morning? Like o Dark 30, early this morning is that all of the banks and redemption centers around the globe have been pinging back and forth through the Starlink satellite system, which is directly connected to the quantum financial system,  so StarLink / QFs.

And this is happening, and should be happening until possibly as late as 4am tomorrow morning. That was supposed to be complete by around 10 o'clock tonight, which it's just past that now Eastern time.

But I think really, it could be done now, or it could be done early morning tomorrow, morning, and I continue my statement before about what is happening beyond that, those paying things that are happening. Why do we need that? This is the first time every bank and redemption Center have been interconnected on the StarLink system, okay? And that's how it's all going to fly.

So it's really good that that's happening now, and that should be the last thing that we have happen in the way of readiness prior to us getting notified

Now, I said we were supposed to be getting releases tomorrow. That's referring to finances going to the banks, to wherever that needs to go around the globe tomorrow, and we may get our notifications either tomorrow or Thursday.

 It looks like we could get them tomorrow and start exchanges on Thursday. It's possible we can get them if we get our numbers early enough tomorrow that we could exchange tomorrow afternoon.

But right now, my guess is based on the information so far, today and tonight, as late as eight o'clock Eastern tonight, the information is pointing toward us getting notified tomorrow, or, I don't like the or or Thursday, and exchanging on Thursday.

And I know you're thinking, Charlie Ward’sThursday. That's true, but realize this, Tomorrow is Wednesday, January, 8, and the eighth, remember, is a key number for China and the Chinese elders,  I think they would like to have us to be notified, at least notified, if not started our exchanges on tomorrow, the eighth of January.

So that's that is really where we are right now. Now we always wonder, what about our R and R and our social security and all of that stuff and the NESARA - Well, it's like Bob mentioned, tomorrow is the second Wednesday. We had one on the first, and then we've got one tomorrow on the eighth.

And I, I do not know whether we're going to see an increase in Social Security tomorrow. It's supposed, according to our social security source, we're supposed to have it this month of January, but we don't necessarily get the increase on the first, second, third or fourth Wednesday of the month.

So let's see what happens on that -  R and R is supposed to occur this month. I don't know for sure when it occur and whether we see it at the redemption center like we’ve heard before, that may have changed, but we'll have to stay tuned and see what happens on that. But as far as everything else is concerned, we are moving through  --

President Trump made a wonderful speech today with some questions for the press for about an hour and 6 minutes, and he talked about, you know, Canada. He talked about Greenland. He talked about the Panama Canal, and maybe getting it back and getting it out of the hands of China that's got two ports on either side of the Panama Canal and the fact that we're paying way more than anyone else is for our US ships and our Navy

But we are in a very good place right now. I would hope that we get notified tomorrow, and whether we start exchanges Wednesday afternoon or Thursday. Thursday is looking very good right now. Saying that to you guys like, I get this information, I go through it, I vet it, and we just do the best we can to bring you what I'm hearing. That's what I'm hearing. So we'll see where this goes.

Okay. The other thing is this, I wanted to get into this briefly about the med beds, because we did talk about the med bed one hundreds -  people are just loving that. and I got this information day to confirm  there are 26,450  med bed centers in United States does not include what's in Canada doesn't include what's in Mexico doesn't include what's around the globe. They have it positioned where med bed centers are all over the world now,

26,450 med bed centers in the United States - and the cool thing about that is each center has two med beds in it, two of the holographic med beds. That's the way to go, and I'm looking forward to getting in there post haste. So I just wanted you guys to know that's a lot of med bed centers, and we've got plenty and we've got them - they're strategically placed around the country, and I'm excited to begin that ride shortly after we begin our exchanges - very shortly, and I'm sure many of you are as well , and I think that's everything I wanted to say.

Three, about the new class that Sue has starting, but not a question about anything else. No RV flags. You know this and that I'm having problems with my PayPal account. None of that for that, you go right to PayPal, call them up and ask them to help you. That's what their customer service is for.

Okay, so that's what I wanted to say tonight,

If we have another call Thursday, which we should and the reason I say we should is because I want to do a celebration call. We get our numbers tomorrow or Thursday. I want to do a celebration call, and that then I think that what we should do will be a long call, just be a short call, 20 minutes, probably for Sue and Bob and I to get on our thank you’s and our goodbyes.

So thank you Bob. Thank you. GCK, thank you Jeannie. Thank you Pastor Scott. Thank you everyone the Sat team. Thanks everyone who has contributed to Paul. Let's all stay in faith and believe for this to manifest for us tomorrow where we get our toll free numbers and can call and set our appointments.

So let's pray the call out,

Bruce’s Big Call Dinar Intel Tuesday Night 1-7-25 REPLAY LINK   Intel Begins  1:00:40

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Bruce’s Big Call Dinar Intel Thursday Night 1-2-25 REPLAY LINK   Intel begins   1:14:54

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Bruce’s Big Call Dinar Intel Tuesday Night 12-31-24 REPLAY LINK   Intel Begins  54:44

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Bruce’s Big Call Dinar Intel Thursday Night 12-26-24 REPLAY LINK   Intel begins   1:07:27

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Bruce’s Big Call Dinar Intel Tuesday Night 12-24-24 REPLAY LINK  NO CALL

Bruce’s Big Call Dinar Intel Thursday Night 12-19-24 REPLAY LINK   NO TRANSCRIPTION

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Bruce’s Big Call Dinar Intel Tuesday Night 12-17-24 REPLAY LINK  Intel Begins 1:03:33

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Bruce’s Big Call Dinar Intel Thursday Night 12-12-24 REPLAY LINK   Intel begins   56:16

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Bruce’s Big Call Dinar Intel Tuesday Night 12-10-24 REPLAY LINK  Intel Begins 1:18:18

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Bruce’s Big Call Dinar Intel Thursday Night 12-5-24 REPLAY LINK   Intel begins   1:08:50

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Bruce’s Big Call Dinar Intel Tuesday Night 12-3-24 REPLAY LINK  Intel Begins 1:16:12

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Bruce’s Big Call Dinar Intel Thursday Night 11-28-24  REPLAY LINK  NO CALL

Bruce’s Big Call Dinar Intel Tuesday Night 11-26-24  REPLAY LINK  Intel Begins 1:16:30

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Bruce’s Big Call Dinar Intel Thursday Night 11-2124  REPLAYLINK  Intel begins   1:10:20 

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Bruce’s Big Call Dinar Intel Tuesday Night 11-19-24  REPLAY LINK  Intel Begins 1:12: 21

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Scammers Posing As Amazon How To Protect Yourself

Scammers Posing As Amazon How To Protect Yourself

Maurie Backman  Wed, January 8, 2025  Moneywise

American woman lost her life savings to scammers posing as Amazon. Here’s how the scam works and how to protect yourself

When a Knoxville, Tennessee woman named Colleen saw a duplicate charge on her credit card for an Amazon purchase, she attempted to contact the merchant to resolve the issue. But instead of getting in touch with Amazon, she wound up contacting a scammer by accident.

Her mistake was innocent enough. Rather than go to Amazon's website and use their channels to connect with someone from customer service, Colleen did an internet search for a customer service phone number.

The problem? She didn't reach Amazon. Instead, she reached someone who would ultimately rob her of her life savings.

When a simple mistake has far-reaching consequences

When Colleen got on the phone with "customer service" at Amazon, the agent she spoke to led her to believe that her account was compromised. She was then transferred to a man who identified himself as Agent John Davis from the Federal Trade Commission.

He sent Colleen his fake credentials and she received what looked like an official FTC letter stating that her Social Security number was associated with fraud and her bank account could be drained at any time. Naturally, she panicked.

Colleen was instructed to withdraw $19,000 from her savings in cash. She was then told to go to a tobacco and vape shop and create an account on its Bitcoin ATM. She was sent a bar code to scan, which allowed her to deposit $15,000.

She then went to two apparel stores, as instructed, and purchased $4,000 in gift cards before giving the cards' numbers to Davis. Davis sent her a "receipt" for her $19,000 and said she'd get her money back after the FTC did its investigation. She was also told to keep the details of the situation to herself. Now, members of Colleen's church are helping her out while she works through the aftermath.

How to avoid falling victim to a scam

The sad thing about Colleen's situation is that she's the one who made the call to "Amazon," so she thought she was in the clear. But any time you need to contact a merchant, your best bet is to go to the company's site directly and get its phone number or email — don't just do a Google search.

Often, though, scammers like the ones Colleen encountered target victims by reaching out to them directly. And there’s also been an uptick in Amazon scams in particular.

TO READ MORE: https://www.yahoo.com/finance/news/american-woman-lost-her-life-123000699.html  

More News, Rumors and Opinions Wed. Afternoon 1-8-2025

KTFA:

Toyvp:  Vietnam Closely Watching FX Market After Dong Fell to Record

(Bloomberg) -- Vietnam’s central bank said it’s keeping a close eye on the local currency which fell to a record low last week, with Deputy Governor Dao Minh Tu pledging to stabilize the dong while keeping inflation on an even keel.

The State Bank of Vietnam will “closely monitor the market situation to manage exchange rates flexibly and appropriately, while synchronously coordinating it with other monetary policy tools to control inflation and ensure macroeconomic stability,” according to a statement issued Tuesday as SBV officials held a briefing.

The SBV will maintain a flexible monetary policy, according to the statement. Earlier in the briefing, Tu described the policy stance to be appropriate amid recent calls for some tightening to steady the dong. The strength of the US dollar after Donald Trump won the US presidency is impacting global currency markets including Vietnam, according to Pham Chi Quang, the head of SBV’s monetary policy department, at the same event.

The dong rose to 25,378 per dollar after the SBV remarks, poised to extend gains for a four straight day. It fell about 5% in 2024, hitting a record low in the last two days of the previous year.

The outperformance of Vietnam’s economy last year, along with manageable inflation, gives the monetary authority scope to consider policy tightening. In 2023, the SBV delivered among the region’s early monetary easing when it cut the refinancing rate, one of the key levers used by the central bank to guide borrowing costs, three times to 4.5% from a peak of 6%.

While the base case is for Vietnam to maintain monetary policy steady this year, “we do not rule out the risk the SBV could be forced to hike policy rates or devalue the currency, in the event of persistent US dollar strength,” Malayan Banking Bhd analysts Brian Lee Shun Rong and Chua Hak Bin wrote in a note on Monday.

Maybank estimates that with repeated intervention, Vietnam’s foreign currency reserves plunged to about $80 billion by the end of 2024 from peak of $109.6 billion in January 2022. Vietnam doesn’t give updates on its FX reserves.

Asia’s growth star posted a 7.09% economic expansion in 2024, putting it in a strong position to achieve growth of at least 8% this year. Still, officials remain wary of the impact from Trump’s threat to impose broad tariffs.

Story Continues   https://finance.yahoo.com/news.....ccounter=2

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Clare:  Exclusive: Iraq signs 8 memoranda of understanding with Iran covering 3 areas

1/8/2024

Government sources revealed on Wednesday that Iraqi Prime Minister Mohammed Shia al-Sudani will sign about 8 memoranda of understanding with Iran in the security, economic and tourism fields.

The sources told Shafaq News Agency, "The visit of Al-Sudani and his accompanying delegation was not limited to discussing the latest developments and changes in the region and its security only, but it is hoped that memoranda of understanding (security, economic and tourism) will be signed according to controls and paragraphs agreed upon between the two sides."

The sources explained that "the memoranda of understanding will be signed by members of the delegation accompanying the Iraqi Prime Minister with their counterparts from the Iranian side."

Earlier today, Prime Minister Mohammed Shia al-Sudani reiterated his respect for the will of the Syrian people and support for any political framework they choose, while stressing Baghdad's keenness to establish balanced relations with all regional and international parties.

Al-Sudani said, in a joint conference with Iranian President Masoud Pezeshkian, which was followed by Shafaq News, that "the visit to Tehran comes to strengthen bilateral relations between the two countries and the meeting with Pezeshkian, discussed this file and at the level of all common areas," indicating that "the meeting also witnessed a discussion of the file of supplying Iraq with gas and energy."

Al-Sudani added, "The coming days will witness ministerial-level meetings between the two countries to discuss strengthening joint relations between Baghdad and Tehran," stressing at the same time "following up on joint projects with Iran, especially the railway and housing sectors."

During his current visit to Tehran, Al-Sudani discussed with the Speaker of the Iranian Islamic Shura Council, Mohammad Baqer Qalibaf, "bilateral relations between Iraq and the Islamic Republic of Iran, and ways to enhance them in a way that serves mutual interests, and emphasized the enhancement of cooperation in common files, as well as supporting cooperation between the legislative authorities in Iraq and Iran, in a way that contributes to consolidating the interests of the two countries."

The meeting also discussed, according to a statement by Al-Sudani's office received by Shafaq News Agency, "developments in Syria, where the unity of Syrian territory was emphasized, support for security and stability in it, and the necessity for the new political system to guarantee the rights of all Syrian components and spectrums, as well as joint work to reduce tensions and double efforts to establish regional and international peace and security."

Al-Sudani arrived in the capital, Tehran, on Wednesday morning, on an official visit in response to an invitation extended to him by Iranian President Masoud Pezeshkian.   LINK

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

Militia Man  Article Quote: "The Central Bank of Iraq and the US Federal Reserve are moving towards authorizing Iraqi banks to contract with international auditing companies."  Why is the world would you be doing that if you weren't going international?   You wouldn't...We're not talking about the central bank or the state banks, we're talking about [private] Iraqi banks... Quote:  "This step is a turning point that contributes to drawing a clear map for the work of Iraqi banks on the global stage as they deal with international correspondence and financial guarantees in addition to instant transfers."

Walkingstick  The fact that Sudani is talking so much about the purchasing power to the Iraqi citizens is amazing...It puts us exactly where we need to be with this monetary reform education...IOO no prime minister has ever made such bold promises to the citizens of his nation.  These conversations of giving purchasing power to the citizens have never been seen in the Middle East nor said by a prime minister of the Middle East.

Fed Insider Warns of 2025 Stock Market Crash

George Gammon:  1-8-2025

https://www.youtube.com/watch?v=o5IQ0x8cR8o

BRICS Major Expansion 2025: Indonesia Joins BRICS as Full Member Amid Tensions in Southeast Asia

Lena Petrova:  1-8-2025

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

2025 Market Crash? Inflation Risks and Economic Shifts Revealed

2025 Market Crash? Inflation Risks and Economic Shifts Revealed

Wealthion:  1-8-2025

The champagne corks might be popping on Wall Street in 2024, with equity markets seemingly defying gravity. However, beneath the surface of record highs and bullish sentiment, a sense of unease is growing.

Are we witnessing the final act of a speculative bubble, poised to burst in 2025? A deeper look into the current economic landscape reveals a complex web of factors that could very well trigger a major market correction, and experts are starting to sound the alarm.

In a recent discussion, James Connor sat down with Dylan Smith of Rosenberg Research to dissect the critical market and economic trends that will define 2025. Their analysis paints a picture of a financial landscape fraught with potential pitfalls, driven by a confluence of factors, from frothy markets to shifting central bank strategies.

One of the central concerns is the apparent overvaluation of equity markets. The rapid climb seen in 2024 has many questioning if we’re entering dangerous territory, fueled by speculative buying and a sense of invincibility.

 Combined with this, the specter of inflation continues to loom large. While central banks have attempted to tame price increases, the risk of a resurgence, driven by lingering supply chain issues and global uncertainties, remains very real. This precarious combination could easily trigger a market sell-off as investors scramble to de-risk.

The Federal Reserve’s (Fed) strategy, often referred to as the “Powell pivot,” is another crucial element in this complex equation. The Fed’s moves to manage inflation through interest rate hikes have had a ripple effect across global markets. However, the pace and magnitude of these adjustments are critical.

A misstep could inadvertently push economies into recession, exacerbating any market downturn. This precarious balancing act is particularly challenging given the varying economic situations of different nations.

The discussion also highlighted the stark contrast between the economic performance of the United States and Canada. While the U.S. has displayed surprising resilience and growth, Canada appears to be grappling with a “lost decade” of sluggish economic activity and challenges including high levels of household debt. This divergence creates a unique kind of risk, as global market events could impact these two interconnected economies in very different and potentially unpredictable ways.

Adding to the complexity is the potential impact of Trump’s tariff policies, a subject that’s back on the radar with his reappearance on the political scene. Increased tariffs can disrupt global supply chains, exacerbate inflationary pressures, and potentially trigger retaliatory actions from other nations, further destabilizing the global economic landscape.

Such policies introduce a significant degree of uncertainty into market forecasts, making it even harder to navigate the financial year of 2025.

Ultimately, what emerges from this analysis is that 2025 is shaping up to be a year of considerable uncertainty. Shifting central bank strategies, the potential for renewed inflation, global geopolitical instability, and the potential for disruptive political factors all contribute to a volatile financial landscape. While predicting the future is impossible, the indicators are flashing warning signs, suggesting investors should be prepared for significant market turbulence.

The insights provided by Smith and Connor underscore the importance of vigilance and a diversified approach to investing. Staying abreast of global economic trends, understanding the potential ramifications of central bank policies, and avoiding the temptation to chase short-term gains may be crucial for weathering the potential storm ahead.

While the current market exuberance may feel comforting, a dose of realism and a careful consideration of the risks is essential for navigating the financial complexities of 2025.

https://youtu.be/yzfi9tl-oNg

“Coffee With MarkZ” RIP Ed of Ocala 1-8-2024

Thank you MarkZ for all your time, and encouragement daily….. PDK

MarkZ  Update- Some highlights by PDK-Not verbatim

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

Member: GOOD MORNING Y’ALL!!!! WHATCHA GOT FOR US MARKZ?!?

Member: Ed of Ocala, (Ed Fredette) passed away according to others on TG.

Member: Rest in Peace Ed of Ocala… Bless his family and all those who worked closely with Ed. What a kind man

MZ: This morning I just didn’t want to do anything…..no podcast. I just feel so bad for him and his family and friends. He always tried to do his level best to help people get through this. It is very sad to lose another one before the finish line. With great sorry we remember another one that has gone before us. RIP Ed. We will end this morning in prayer for Ed and his family and those who are still fighting to see the finish line.

MZ: This was a big kick in the teeth today.

Member: So sorry for your loss. Do you think the RV will happen before the 10th? Others say it will?

MZ: We hope it will happen before the 10th. There is a lot of stuff pointing to it possibly happening before the 10th. But there are a growing amount looking now for it to happen after the inauguration. Then it will let rip.

MZ:  I am very surprised at the number of folks in Iraq who now believe that they will position things in Iraq now that Trump has been confirmed….and then release the RV after the inauguration. But, my best sources still believe it will be before then.

Member: I always thought the private groups ect could go before….but the general public not until after the new administration takes charge.

Member: Mark if they did it the 10th that would give them the 10 days of darkness and give us 10 days for us to get in and out ?

Member: It at least seems like things are speeding up in January... but still wondering how much has to happen before "FULL DISCLOSURE" - wonder if the folks with the triggers are too afraid to go before.

Member: any news on bond holders?

MZ: Most are expecting it anytime between now and the 10th…A couple are not expecting anything until the 11th or 2th.

MZ: Some group leaders do not believe they will be able to distribute funds until after the inauguration on the 20th.

Member: That makes sense to me. Why would the Trump administration want the biden admin to get any credit for resetting the world finances and the new QFS system…..they would not …imo …I do not expect anything until the new administration takes over.

Member: Wolverine posted a short video of Charlie Ward and his family flying to Doha, Qatar with the song “ It’s the most wonderful time of the year” . Does it have any significance?

Member: Have you confirmed lower denoms have been released in Iraq?

MZ: No confirmations. There are some in Iraq telling us they are out- but no confirmations. I have seen pictures but do not know if they are old lower denoms or new ones.

Member: Jennifer and Mike both said we should start soon

Member: Charlie Ward said it will not happen until a new administration is in place. He may be right.

Member: Indonisia just joined BRICS…FYI

MZ: In Iraq: “Former MP(Member of Parliament) : Amending article 12 paves the way for enforcing the oil and gas law”

MZ: “ Iraq Central Bank auction sells 100% foreign remittance of dollars”  We are getting an idea how the new system works. 95% of what they are selling is going abroad for goods and services….they are tracking it through their new system. It’s kind of a hybrid system…It’s interesting.

MZ: “Former director of the Central bank of Iraq clarifies about the current decline of the dollar” He says its not a decline…just coming into equality and the spread in the parallel market is shrinking and not growing …and Iraq going international is doing what it is supposed to do. People are starting to trust the system.

MZ: “Top 10 Arab countries with foreign exchange reserves for 2024: This is the rank for Iraq”  Number 1 is Saudi Arabia ….#2 is the United Arab Emerites…..#3 is Iraq. Iraq has enough assets to pay for every single dinar in circulation…with money left over. This is enormous.

Member: Guys we are right at the door of this thing Revaluing. My guess is it happens sometime this month.

MZ: I agree.

Member: I think there is enough chaos going on right now to hide the RV for the public.

MZ:I agree….glad you and I are paying attention.

MZ: I just want to warn you all of scammers out there. I have a great contact at Interpol that we send information to about people offering QFS accounts right now. That is a scam. One used my email address which is similar to my real address with an addition I in it…2 I’s in original…....its not spelled right.   People are trying to get you to send a couple hundred bucks to get a QFS account.

MZ: You CANNOT get a QFS account yet. The new system has not started. Anyone saying differently is a scam. Fortunately Interpol is starting to go after these companies WORLDWIDE. For the love of God people. Do not fall for this. Desperate people are being preyed on left and right.

MZ: When the new system is ready you will not have to pay for an account. All of our accounts will be on it.

Member: Stay safe everyone…especially those in California in the path of wildfires.  

Member: Things will get better……stay positive.

Mark closes the stream with prayers for the family and friends of Ed of Ocala. Please listen to the replay for this.

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

FOLLOW MARKZ : TWITTER . https://twitter.com/originalmarkz?s=21. TRUTH SOCIAL . https://truthsocial.com/@theoriginalm...

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

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

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

 ZESTER'S LINK TREE: https://linktr.ee/CrazyCryptonaut

THANKS FOR JOINING. HAVE A BLESSED DAY! SEE YOU ALL THIS EVENING FOR NEWS @ 7:00 PM EST ~ UNLESS BREAKING NEWS HAPPENS!

Twitch:   https://www.twitch.tv/theoriginalmarkz

Youtube:     https://www.youtube.com/watch?v=eF3CR-rV_LE