5 Best Dave Ramsey Money Tips To Adopt in 2025

5 Best Dave Ramsey Money Tips To Adopt in 2025

Cara Danielle Brown   Wed, February 19, 2025  GOBankingRates

Personal finance expert Dave Ramsey has become one of America’s most trusted voices for individuals wanting to learn how to take control of their money. From paying off debt to getting on a budget, Ramsey’s guidance has helped millions become educated and empowered.

With 2025’s financial climate off to a strong yet erratic start, some are looking to the finance guru, wondering which of his money tips are most useful to adopt in real time. Here are five that could help put you on the right path.

Pay Off Your Debt

“One of Ramsey’s foundational principles is eliminating debt,” said Melanie Musson, insurance and finance expert at Clearsurance.com. “Instead of seeking out new debt, people should seek to pay off their debts and avoid borrowing more. … Avoiding debt allows you to live freely.”

Consider the current climate: Interest rates remain high at 4.25% to 4.5%, and the Fed has indicated they are in no rush to lower them. Additionally, the global economy is facing uncertainties by way of geopolitical tensions and fluctuating currency values. And, according to Federal Reserve Data from November 2024, big banks are charging the average consumer 22.8% interest on credit cards.

Failing to pay down debt at any time — but particularly in the current economy — will quite literally compound the problem.

Thomas Alessi, president at ARIES Foundation for Financial Education, supports Ramsey’s debt snowball method — a strategy where individuals pay the minimum amount on all their debts except for the smallest one, which is paid off more aggressively. When the smallest debt has been cleared, the next-smallest takes priority, and so on.

Clearing debts in ascending order is a psychological trick that gives people confidence and focus, explained Alessi. “We can start to see our way out, and it allows us to feel empowered in handling our finances.”

Cut Back on Discretionary Spending

When it comes to saving money, Ramsey advocates cutting back on non-essential spending by distinguishing between a need and a want. As a Ramsey Solutions article on his website explained, needs are essentials, like food and shelter, while wants consist of non-essentials you desire but can live without — like home upgrades and entertainment.

TO READ MORE: https://www.yahoo.com/finance/news/5-best-dave-ramsey-money-150014042.html

US Gold Audit Cover-up, What are they Hiding?

US Gold Audit Cover-up, What are they Hiding?

ITM Trading:  2-19-2025

American trend forecaster Gerald Celente, publisher of The Trends Journal, is issuing stark warnings about the future of the market and the accessibility of wealth in the United States.

In a recent interview with Daniel Cambone on ITM Trading, Celente didn’t mince words, painting a picture of an economy teetering on the brink of a major correction that will ultimately benefit gold.

One of Celente’s most provocative points revolves around the famous gold reserves held at Fort Knox.

He argues that billionaires wield significant power over access to wealth, while ordinary citizens are often kept in the dark. This sentiment underscores his broader perspective on the growing disparity between the haves and have-nots.

However, it’s Celente’s prediction of a “dot-com bust 2.0” that should truly grab investors’ attention. He believes the current market is dangerously overinflated, particularly in AI-related tech stocks like Nvidia and Meta. He asserts these stocks are significantly overvalued and are primed for a dramatic correction this year.

“There’s going to be dot com bust 2.0 that’s going to bring gold prices way up,” he emphatically states. The reasoning behind this hinges on the historical performance of gold during periods of economic uncertainty and market downturns.

Traditionally, gold acts as a safe-haven asset, benefiting from increased demand as investors flee riskier positions.

Beyond the potential tech bubble burst, Celente also points to other factors contributing to market instability. He highlights the global trend of interest rate cuts, a move often implemented to stimulate economic growth but which can also fuel inflation and asset bubbles.

He also acknowledges the unpredictable nature of international trade and the potential impact of tariffs, particularly under a potential second Trump Administration. This “wildcard” adds another layer of volatility to the already complex economic landscape.

Taken together, Celente presents a compelling case for investors to reconsider their strategies and explore avenues for wealth preservation. His prediction of a looming “dot-com bust 2.0,” coupled with the geopolitical and economic uncertainties he outlines, positions gold as a potential shield against the coming storm.

Celente’s recommendation is clear: now is the time to protect your wealth. He encourages viewers to watch the full interview on ITM Trading to gain a deeper understanding of his arguments and learn more about potential strategies for navigating the turbulent economic waters he foresees.

Whether you agree with his predictions or not, Celente’s insights offer a valuable perspective on the current state of the market and the potential risks and opportunities that lie ahead.

https://youtu.be/bmJjVWNgv50

“Coffee With MarkZ” Thursday Morning Chat 2-20-2025

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 and happy Thursday

Member: Would it be safe to put my two week notice in today?

Member: I have mine typed up and ready to go…..hope I can hit “send” this week.

MZ: the increased chatter on the bond side is awesome…more and more bond holders have checked in saying they have their dates and know what to expect over the coming weeks….…...we just need some bond holders with cash now. I have rumors that a bond holder has cash…but have not been able to confirm it.

Member: Heard anything from your contact that went to Reno?

MZ: Group side remains quiet along with the prosperity package side and the CMKX side.

MZ: Iraq is publishing more “good articles”  “Al Rafidan announces of an electronic system for tracking consumer transactions electronically”  they are modernizing things. These are a necessary step for the white paper reforms.

MZ: “Expert: Talk about lack of cash is inaccurate and what is promoted is exaggerated” this has been a common theme in Iraq as they say they are fighting a “misinformation” attack.

MZ: “Optimism about the opening of Rafidan and Rasheed Bank branches in the region-to stimulate the economy and attract investors”  they are talking about adding another 26-28 branches …They are closer and closer to their reforms.

MZ: “ The weight of gold “Iraq and gold” exceeds 600 thousand in today’s market”  Iraq has the most gold/gold smithing  in recorded human history. And it’s cranking back up. Gold smithing used to be an enormous part of the Iraqi economy. The world is fixated on gold right now.

MZ: MilitiaMan and I had a conversation yesterday and he is also hearing all this amazing news. Be sure to listen to his new video update.

Member: I heard Iraq made an announcement they will be working during Ramadan but will have a reduced workday by one hour.

Member: I wonder if all the other countries are ready to RV when Iraq does?

Member: I heard Trump says we taxpayers may get back 20% Dividends from Doge…Maybe the start of Nesara?

Member: Does anyone think the DOGE dividends will be to gray the influx of spending when the RV kicks off?

Member: DOGE is discovering enough funds to make the RV believable to the General Public ... Disclosure

Member: Will the Fort Knox audit lead to a gold back announced currency then CMKM is funded to the holders??? Could this be the spring board to a gold back announcement???

MZ: It’s possible. We may not be waiting for this audit….but I would rather it take a little longer to be done right.

Member: The big thing will be the announcement the certificates are going to revalued to the actual value of gold.

Member: MarkZ.... I saw this morning that FOREX is adding a lot of different new currency for today's release... Amazing times.

Member: Goldilocks shared forex is setting up for migration of currency this weekend

Member: I would think they can’t send us dividends until the UST, The Fed reserve, and Ft. Knox has finished auditing….

Member: IMO The reason to do a Fort Knox tour is to put everything on the blockchain. All the slippery dealings will stop because everybody will be able to see what's going on when it's on the blockchain.

Member: MarkZ... The list of flights into Reno is incredible today... VERY Heavy private flights already in the air and inbound to Reno. 25 in the air now.

Member: Thanks Mark and Mods for everything you have done.

Member: Enjoy your day fellow RV’ers….the best is yet to come

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=oLA8KxmzAyQ

News, Rumors and Opinions Thursday 2-20-2025

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 Thurs. 20 Feb. 2025

Compiled Thurs. 20 Feb. 2025 12:01 am EST by Judy Byington

Possible Timing:

“On Sun. 16 Feb. the Iraqi budget was ratified and was expected to be published in the Gazette on Mon. 17 Feb, along with Kurdistan resuming oil exports. …Ariel on X

On Thurs. 30 Jan. 2025 the privately owned Fed and IRS (allegedly) officially dropped dead – when the US Treasury withdrew from the Cabal’s Bankrupt Central Banks across the World. President Trump has said he will replace the IRS with the ERS (External Revenue Service) where taxation on goods will replace taxation on The People and their income.

Since Friday 3 Feb. 2025 all Basel 4 Compliant banks have(allegedly)  gone public with the new Gold / Commodity-backed currency International Rates as required by the GESARA Law. This is (allegedly) the Re-evaluation of all the global currencies (meaning the global currency reset).

Tues. 11 Feb. 2025 Official Notification: Leaders in the Global Currency Reset(allegedly)  received signal payments authorized by the Quantum Network

This week the Quantum Financial System was said to be fully operational for completion of that Global Currency Reset.

The use of the FIAT US Dollar will be(allegedly)  used for up to 90 days Feb. / March / April parallel with the new United States Note (USN), they may cut it off of by April 30th or soon thereafter. …Bruce

~~~~~~~~~~~~

Global Currency Reset:

Mon. 10 Feb.: Liquidity was (allegedly) released to the 12 platforms that then funded the 38 platforms beneath them (Tiers 1 and 2). …JR Truth

Tues. 11 Feb. 2024: A military Intel contact said they released everything for the Global Currency Reset at 3pm PDT on Tues. 11 Feb. 2025 to (allegedly) start the shotgun release of liquidity & notifications …Carolyn Bessette Kennedy on Telegram

Wed. 12 Feb. Funding (allegedly) released to Bond Holder accounts. Banks could no longer (allegedly) see or have access to individual bank accounts. Some private groups were(allegedly)  paid out on Wed. 12 Feb, while others will be(allegedly)  paid on Thurs. 13 Feb. …Bruce

On Thurs. 13 Feb. Nesara funds(allegedly)  started going out. Redemption Center leaders went into work at 10am on Thurs. 13 Feb.…Bruce

Fri. 14 Feb. 2025: Tier 1 and Tier 2 have been paid, I was just told.  …Mike Berra

Fri. 14 Feb. 2025: I’ve been told my platform (that has currency and bond holders in it) started today Fri. 14 Feb. and will start payments on Tues. 18 Feb. I expect currency notifications around same time. …JR Truth

On Sun. 16 Feb. 2025 the Iraqi budget with the new Iraqi Dinar Rate was(allegedly)  ratified and expected to be published in the Gazette soon.

Wed. 19 Feb. 2025 Wolverine: “Hi guys. Certain platforms were(allegedly)  paid today. Tier4b (us, the Internet Group) should be soon.”

Tues. 18 Feb. 2025 What We Think We Know …EBS Activated With Trump on Telegram

DOGE just exposed that, until now, the Treasury Department had no traceability for nearly $4.7 trillion in U.S. taxpayer funds. Elon Musk says that a government database shows that five million people over 140 years old still receive Social Security benefits. People thought USAID was bad. Wait, they see what’s been happening at the IRS. Stephen Miller just confirmed that foreign fraud rings have been using fake social security numbers & identities to steal billions of taxpayer benefits through the IRS and Social Security. Miller confirmed DOGE is about to get the records. “Over a 10-year normal budget window, you could be talking about saving over a trillion dollars by clamping down on massive fraud in our tax and entitlement systems, including again those carried out by organized fraud and theft rings.”

Read full post here:  https://dinarchronicles.com/2025/02/20/restored-republic-via-a-gcr-update-as-of-february-20-2025/

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

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

Frank26   Article: "Exporting the region's oil" on the table of Nechirvan Barzani and the Turkish Foreign Ministry"   FLOW OF OIL FROM TURKEY = A NEW EXCHANGE RATE... OR THERE WOULD BE NO FLOW!  ...You got Turkey that says, 'Ok we're going to send the oil in.'   At 1310?   No I don't think so.

Militia Man  The Development Road Project is not going away.  It's actually just picking up steam and we're seeing evidence of that...

Frank26   [Iraq boots-on-the-ground report]   FIREFLY:CBI...did deny any sanctions by the US Treasury on any Iraqi Banks or cards, saying we don't have no sanctions on any banking.  This is false news.  Iraqi citizens know who's doing this [reporting false news].  FRANK:  I figured that was what was going on.  All these rumors just didn't make any sense.  All these lies are obviously to stop what's about to happen because at the end of anything, the enemy uses desperate tactics in order to defeat goodness...IMO we will see lies and rumors everyday...just to...delay what Sudani is about to give to the citizens.  They want to prevent Sudani's monetary reform.

140K GOLD?!? What Will Happen if GOLD is REVALUED?

Silver Dragons: 2-19-2025

In this video I talk about the possibility of the gold that the USA holds being revalued. The USA apparently holds around 261.5 Million ounces of gold in their vaults.

This gold is currently valued at about $42 per ounce. What will happen if they change the valuation to $2,900 per oz? Will this cause the price of gold to go up or down?

 I talk about how in 1973 the US changed the price of gold on their book from $35 per oz to $42 per oz and did not have to sell any gold at all to do this it was simply an accounting gimmick.

The price of gold did go up 66% that year. What would happen if the US did a much larger revaluation of gold?

Would this help the USA pay off the national debt? I show how the US would need to revalue their gold to $140,000 in order to completely pay off the National Debt today.

I don't think that would happen but if they do revalue gold to $2,900 per oz I think this will weaken the dollar and cause the price of gold to go much higher.

Here is my video talking about the gold in Fort Knox and my opinion on it as well:

https://www.youtube.com/watch?v=n1dWCd0Ovnk

Iraq Economic News and Points to Ponder Thursday 2-20-25

A Government Advisor Stresses The Importance Of Gold Trade To Support The Current Account Of The Balance Of Payments

The time: 2025/02/18 12:14:47 Reading: 2 ٬ 445 times  {Economic: Al Furat News} A government advisor stressed the importance of gold trade to support the current account of the balance of payments.
 
"The adoption of advanced industrial protection policies will positively reflect on the
     quality of the national gold product and the
     stability of its prices."

He pointed out that "this step will enhance the protection of one of the most important pillars of the national and family economy, with a direct and positive impact on the current account of the balance of payments." Saleh explained that
 
"the organization of the import of non-manufactured gold and its re-export will contribute to achieving an added value to the national economy," stressing
 
"the importance of careful supervision from the competent authorities to ensure the inventory of the gold movement within the framework of an economically organized trade, with high return and rational governance."
 
The Industrial Coordination Council had approved at its meeting the day before yesterday, Sunday, the resettlement of the precious metal industry, gold and jewelry, in addition to cosmetic products, while directing to provide all the necessary facilities for those wishing to establish their factories, and
 
it was decided to
 
     monitor the quantities of gold exported abroad, through controls determining The quantities are re-manufactured,
     submit documents to the central bank that provide the value of the external quantity, and
     return the quantity yet
     Complete its manufacturing for the country, with observation from the central bank.    
  
https://alforatnews.iq/news/مستشار-حكومي-يشدد-على-أهمية-حوكمة-تجارة-الذهب-لدعم-الحساب-الجاري-لميزان-المدفوعات 

Gold Localization
 
Economic 2025/02/19  Yasser Al –Mitwalli   The government decision to localize the gold and precious metals industry is of great importance, as an important economic decisions, to consider gold, the pillar of the guarantee of the economy of any country of the collapses that may occur in periodic financial crises, and for causes of them naturally during periods of the economic cycle, and other political, as well as wars and others.
 
This decision comes consistent with what I dealt with in two previous articles published here in the "Al-Sabah" economy, as the first was titled (The forgotten wealth), in December 2024, and the second article was titled (Hedging with Gold a Safe Investment), in a month March of the same year (2024).

I was alerted to them the importance of taking advantage of global experiences in investing gold as an effective way to diversify sources of income and wealth, and as a safe alternative to the monetary reserve represented by the dollar, in order to avoid sanctions imposed by the American federalism on the countries, because it is the owner of the dollar currency, and there are many evidence and close to many of Countries.
 
This wealth has become forgotten and its page is folded after the world turned into a lack of evaluation of its currencies the size of its gold, and perhaps what brought back to mind the truth of the importance of this forgotten wealth (gold), the economic sanctions that some countries have been imposed by imposed by the great countries for various reasons, with the sanctions body Economic, and many examples available soon and not far from our current reality.
 
The nearest example that can be remembered is the embarrassing economic sanctions of Venezuela, which prevented the availability of what blocks the livelihood of its people, forcing its government to refer to the wealth of gold and act by selling it in order to confront the economic blockade that was imposed on it.
 
The expectations of economists also indicate that Russia may have to sell its gold reserves, as the last option in the face of US sanctions, if long.
 
This image became clear with the prolongation of the Russian-Ukrainian war, with the escalation of the ceiling of US-European sanctions on Russia, and Russia is also putting this possibility as the last option after the elements of confronting the siege and sanctions are exhausted. Accordingly, it seems that the
 
Iraqi government
 
     is trying to benefit from these bitter experiences, and therefore it
     decided to give the gold a priority to pay attention by localizing its industry and supporting workers in this sector as an optimal option.
 
The government's awareness of the importance of gold reserves as a guaranteed reserves in the face of emergency and critical conditions makes it offered this sector a great importance in the future. It is useful to note that
 
Iraq occupies an advanced rank in the cash gold reserves, as it is the fourth Arab and thirty globally, and by 152 tons of cash gold.
 
Perhaps the endeavor of the Central Bank of Iraq to increase the volume of Iraq's gold reserves reflects its importance in the balance and durability of the country's economy.
 
The new government initiative in localizing the gold industry will contribute to
 
     encouraging citizens to invest in gold, and
     restore the idea of ​​its acquisition of decoration and saving when needed, as
 
this decision will achieve economic feasibility by maintaining gold from exporting it abroad, providing difficult currencies as a result of imports, and providing job opportunities For unemployed youth in this profitable profession.
 
The next important step is that it is necessary to adapt and amend the laws and procedures necessary to facilitate the birth of this important industry in attracting capital, whether internal or external, which has priority to attract investors to invest in a safe and profit field.  https://alsabaah.iq/110413-.html

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

Seeds of Wisdom RV and Economic Updates Thursday Morning 2-20-25

Good Morning Dinar Recaps,

XRP NEWS: BRAZIL APPROVES WORLD’S FIRST SPOT ETF, LEAVING U.S. BEHIND

▪️Brazil becomes first country to approve spot XRP ETF, surpassing the U.S.

▪️Brazil’s CVM approves Hashdex Nasdaq XRP Index Fund, awaiting B3 stock exchange listing.

▪️Meanwhile, U.S. SEC delays XRP ETF decisions, awaiting Ripple lawsuit resolution.

Brazil has made history by approving the first spot XRP exchange-traded fund (ETF), taking the lead ahead of the U.S. and other major markets. The country’s Securities and Exchange Commission (CVM) has given Hashdex the go-ahead for its XRP ETF. Meanwhile, the ETF is set to debut on the B3 stock exchange, offering investors direct exposure to XRP.

XRP ETF Finally Gets Approval

According to recent reports, Brazil’s CVM has approved the Hashdex Nasdaq XRP Index Fund, making it the first spot XRP ETF to receive official regulatory backing.

However, established on December 10, 2024, the fund is now in its pre-operational phase, awaiting final clearance from the B3 stock exchange before trading can begin. Hashdex, the asset manager behind the fund, has yet to announce the official listing date.

This approval is a big step forward as more people worldwide show interest in crypto ETFs. Meanwhile, investors want safe and regulated ways to invest in digital assets, and Brazil’s quick action puts it ahead of many other countries in meeting this need.

XRP ETF Interest Grows Worldwide

Several major firms, including Bitwise, 21Shares, CoinShares, and Grayscale, have recently filed applications for spot XRP ETFs. However, the U.S. Securities and Exchange Commission (SEC) has yet to approve any of these applications.

Meanwhile, Bloomberg senior ETF analysts James Seyffart and Eric Balchunas both estimate a 65% chance of approval but suggest that the SEC may delay any decision until its lawsuit against Ripple is fully resolved.

XRP Price Recorded 7% Gain

After Brazil approved the XRP ETF, the price of XRP jumped by 7%, reaching around $2.67 in the last 24 hours. This rise made XRP the best-performing asset among the top ten cryptocurrencies, with a 10% gain over the week.

Although recent data from Coinglass shows that XRP saw $8.20 million in future liquidations during this time. Out of this, $2.31 million came from long positions, while $5.69 million came from short positions.

Meanwhile, Key Market indicators like the Relative Strength Index (RSI), Stochastic Oscillator (Stoch), and Moving Average Convergence Divergence (MACD) suggest strong buying momentum, hinting at more possible gains for XRP.

@ Newshounds News™

Source:  Coinpedia

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TRUMP’S RADICAL GOVERNMENT SHAKE-UP TARGETS NASA, IRS, FDIC, AND DHS

President Donald Trump’s administration is executing a sweeping overhaul of the U.S. civil service, with tech billionaire Elon Musk spearheading the Department of Government Efficiency (DOGE). Thousands of federal employees have been dismissed as part of this controversial restructuring.

Trump claims the initiative will save "hundreds of billions," though Musk’s team reports $55 billion in savings so far—less than 1% of the federal budget. Republicans praise the effort to cut what they see as bloated bureaucracy, while Democrats argue it threatens essential government services and middle-class jobs.

NASA faces 1,000 layoffs, while the IRS has identified at least 7,500 employees for termination. The Federal Deposit Insurance Corporation (FDIC) and the Federal Emergency Management Agency (FEMA) have also begun dismissals. Meanwhile, the Department of Homeland Security (DHS) is preparing to fire hundreds of senior employees deemed not aligned with Trump.

Critics question Musk’s authority as his companies, including Neuralink, remain under federal investigation. Lawsuits challenging his role have produced mixed rulings, with a judge recently allowing the campaign to proceed while raising concerns about oversight.

Trump further asserted executive power by ordering greater presidential control over independent agencies. Meanwhile, lawmakers claim transparency is lacking, with oversight requests going unanswered.

Defending Musk, Trump called him a “patriot” but clarified that he would not have decision-making authority over space-related matters. As mass layoffs continue across federal agencies, uncertainty looms over the future of government operations and thousands of public-sector employees.

@ Newshounds News™

Source:  Economic Times

~~~~~~~~~

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“Tidbits From TNT” Thursday Morning 2-20-2025

TNT:

Tishwash:  Rafidain Bank enhances the efficiency of its services by expanding the application of the electronic Q System

Rafidain Bank announced the expansion of the application of the electronic Q System to manage and organize customer waiting, to include more than 27 branches in Baghdad and the governorates, with a gradual plan to generalize it to other branches later.

The bank stated in a statement: "This trend reflects the bank's commitment to adopting the latest banking technologies to ensure the provision of more efficient and faster services, as the system provides an advanced mechanism to organize the movement of customers within the branches, reduce waiting periods, and determine the order of customers according to service priority, with an accurate time estimate for completing transactions.

He added: "This development comes within the bank's vision to enhance digital transformation and raise the level of customer satisfaction, by providing innovative solutions that contribute to improving the efficiency of banking operations and providing a smoother and more accurate experience.  link

Tishwash:  Optimism about opening branches of Rafidain and Rashid Banks in the region: Stimulates the economy and attracts investors - Urgent

Economic expert Kalala Siddiq commented on Thursday (February 20, 2025) on the importance of opening branches of Rafidain and Rashid banks in Sulaymaniyah and the Kurdistan Region in general, and their economic benefits.

In an interview with Baghdad Today, Sadiq said, "This step will contribute to revitalizing the local economy, and opening branches of these government banks is an important step to revitalize the local economy in Sulaymaniyah. These branches will also provide various financial services to residents and companies, which will contribute to stimulating investments and developing businesses."

She added, "The opening of banks will contribute to facilitating financial transactions, and citizens and companies will be able to conduct their financial transactions more easily and conveniently, without the need to travel to other areas. This includes withdrawing salaries, making money transfers, paying bills, and obtaining loans."

She pointed out that it "will contribute to increasing competition, and will lead to the entry of new banks into the market to increase competition between financial institutions, which may improve the quality of services provided and reduce costs."

It will also provide job opportunities, and the opening of these branches will contribute to providing new job opportunities in Sulaymaniyah, which will help reduce unemployment and improve the standard of living.

She added, "Opening banks contributes to attracting investments, and the presence of branches of government banks can contribute to enhancing confidence in the local economy, which may attract more investments to the region."

Earlier on Wednesday, the representative of the Patriotic Union of Kurdistan, Gharib Ahmed, commented on the visit of the Governor of the Central Bank, Ali Al-Alaq, to ​​the city of Sulaymaniyah.

He said in an interview with Baghdad Today, "This visit is an important and excellent step that came based on the desire of the people of Sulaymaniyah and the Kurdistan Region," explaining in his answer to a question about opening branches of Rafidain and Rashid banks, he replied that "if it happens, it is considered an important step to ensure the disbursement of employees' salaries according to what was stipulated in the Federal Court's decision, and also an important step for other financial transactions that the people of the region want."

Ahmed pointed out that "there is a request to open other branches of Rafidain and Rashid banks in the governorates of the Kurdistan Region, and in independent administrations such as the Raparin Faqi Ranya Administration and the Karmian Administration." 

This comes in the context of the Federal Court’s decision to localize the salaries of Kurdistan Region employees at outlets spread across the region or banks open and licensed by the Central Bank of Iraq.

Ahmed added that "this step will contribute to enhancing financial stability in the region and meeting the needs of citizens in the field of financial services. He also stressed the importance of enhancing cooperation between the Central Bank of Iraq and the Kurdistan Regional Government to achieve these goals."

The Governor of the Central Bank, Ali Al-Alaq, is scheduled to visit the city of Sulaymaniyah to open branches of Rafidain and Rashid in the city, in a move aimed at enhancing financial services in the region and meeting the needs of citizens. link

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Tishwash:  Financial expert: Bond offering helps support Iraq's cash deficit

Financial expert and former Director General of the Central Bank of Iraq, Mahmoud Dagher, explained on Wednesday that issuing financial bonds helps support the cash deficit and is a debt on the government.

Dagher told Shafaq News Agency, "The process of issuing financial bonds does not require a financial deficit, as bonds are often issued for the purpose of providing financial tools and encouraging the financial market in the country."

He added that "the bonds offered by the Ministry of Finance help support the deficit, which may be temporary and not permanent," indicating that "the amount of bonds that   the Ministry of Finance will receive is a debt owed to it and to the government."

On February 5, the Federal Ministry of Finance announced the launch of national bonds (first issue) for public subscription, with a total value of two trillion Iraqi dinars, for the period from February 10 to March 10, 2025.

The Ministry of Finance also offered, in the middle of last year, government bonds under the name “Injaz” for public subscription, in the category of 500 thousand dinars, for a period of two years with an annual interest of 6.5 percent paid every six months, and a bond in the category of one million dinars for a period of four years with an annual interest of 8.5 percent paid every six months  link

Mot:  ..... Remember That Contractor!!!!

Mot: I don't understand. My parents taught me to be honest

Our teacher asked what my favorite animal was, and I said, "Fried chicken." She said I wasn't funny, but she couldn't have been right, because everyone else laughed. My parents told me to always tell the truth. I did. Fried chicken is my favorite animal.

I told my dad what happened, and he said my teacher was probably a member of PETA. He said they love animals very much. I do, too. Especially chicken, pork and beef. Anyway, my teacher sent me to the principal's office. I told him what happened, and he laughed, too. Then he told me not to do it again.

The next day in class my teacher asked me what my favorite live animal was. I told her it was chicken. She asked me why, so I told her it was because you could make them into fried chicken. She sent me back to the principal's office. He laughed, and told me not to do it again.

I don't understand. My parents taught me to be honest, but my teacher doesn't like it when I am. Today, my teacher asked me to tell her what famous person I admired most. I told her, "Colonel Sanders." Guess where I am now...

MilitiaMan & Crew-Iraq Dinar News-Budget Law-Oil Flow-Salaries Secured-Implementation Reforms-Integration Global

MilitiaMan & Crew-Iraq Dinar News-Budget Law-Oil Flow-Salaries Secured-Implementation Reforms-Integration Global

2-19-2025

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=AekdaljNSQc

Iraq Economic News and Points to Ponder Wednesday Evening 2-19-25

Foreign Minister Reveals New Round Of Dialogue With America In Washington

2025/02/19 Reading: 825 times   {Politics: Al Furat News} Foreign Minister Fuad Hussein confirmed that the relationship with the United States is managed within the framework of a strategic dialogue.
Hussein said in a televised statement, "Iraq is looking forward to a new round of dialogue this year in Washington.

The minister pointed out that the new American policy in the region requires constructive interaction, stressing the independence of the Iraqi decision.

Regarding the Syrian file, Fuad Hussein said that this issue is not only local or national, but rather a regional and international issue with complex dimensions, noting that Iraq continues to hold talks with the Syrian side and the parties concerned in this regard.

Regarding the tension between Washington and Tehran, the Foreign Minister stressed that this tension directly affects Iraq, noting that Baghdad is in constant contact with the Iranian side and looks forward to holding talks with the American side, based on the Iraqi national interest.

Regarding the Palestinian issue, the minister stressed the existence of clear Arab positions on the issue of the displacement of Palestinians from Gaza, explaining that this issue has provoked strong reactions in Arab societies."

He explained that "the Iraqi society always supports the Palestinian cause, and there is an Iraqi national law that prohibits normalization and communication with the entity.

Hussein continued, "We will hold the Arab summit in Baghdad, and we invite all leaders to participate. I did not talk about any personal matter, but the invitation comes within the framework of the summit, and we invite everyone to Baghdad." LINK

Oil Prices Rise As US, Russia Cut Supplies

Wednesday 19 February 2025 | Economic Number of readings: 252  Baghdad / NINA / Oil prices rose during early Asian trading on Wednesday, amid disruptions to oil supplies in the United States and Russia, and as markets await clarity on peace talks in Ukraine.

Brent crude futures rose 20 cents, or 0.3 percent, to $76.04 a barrel at dawn today, rising for the third consecutive day, according to Reuters data.

US West Texas Intermediate crude futures for March rose 23 cents, or 0.3 percent, to $72.08 a barrel, up 1.7 percent from Friday's close after no settlement on Monday due to the US Presidents' Day holiday. The March contract expires on Thursday. The more widely traded April contract rose 0.3 percent to $72.04.

Russia said oil flows through the Caspian Sea pipeline, a major route for crude oil exports from Kazakhstan, plunged 30 to 40 percent on Tuesday after a Ukrainian drone attack on a pumping station.

Meanwhile, cold weather has threatened U.S. oil supplies, with the North Dakota Pipeline Authority estimating that production in the third-largest U.S. crude-producing state will drop by up to 150,000 barrels per day due to the cold. / End  https://ninanews.com/Website/News/Details?key=1187510

Goldman Sachs: OPEC+ To Postpone Planned Oil Production Increase

Energy  Economy News - Follow-up  Goldman Sachs said on Wednesday that the OPEC+ alliance, which includes OPEC and non-OPEC producers led by Russia, will postpone its planned increase in oil production from April to July.

He added that a potential peace deal between Ukraine and Russia and the associated easing of sanctions on Russia are unlikely to lead to increased Russian oil flows.

Bloomberg News reported two days ago, citing sources, that the OPEC+ alliance is considering postponing a series of monthly supply increases scheduled to begin in April, despite calls from US President Donald Trump to lower prices.

The agency quoted one of the sources as saying that global oil markets are still too fragile to increase production now.  https://economy-news.net/content.php?id=52888

Iraq Plans To Increase Oil Production To 7 Million Barrels Per Day

Energy  Economy News – Baghdad  The Ministry of Oil revealed, on Tuesday, plans to increase production capacity to reach (7) million barrels per day in the coming years.

The Undersecretary of the Ministry, Ali Maaraj, said in an interview with the official newspaper, which was followed by “Al-Eqtisad News”, that “the Ministry has plans to increase production capacity to (7) million barrels per day of oil within the next five years.”

He explained that "this level of production can be achieved through the fifth and sixth licensing rounds and their annex, and the contracts that were concluded, in addition to developing the Artawi, Ibn Omar and Tuba fields, and the national effort exerted to develop the remaining fields. https://economy-news.net/content.php?id=52864

Restructuring Iraqi Banks.. A Government Plan To Protect The Financial Sector

2025/02/19 Read: 2,145 times  {Economic: Al Furat News} The financial advisor to the Prime Minister, Mazhar Muhammad Salih, confirmed today, Wednesday, that the government and the monetary authority are working on a comprehensive reform of the national banking system, with the aim of enhancing its stability and protecting it from the repercussions of any stumbling block in integration with the global financial system.

Saleh explained to {Euphrates News} that “the reform efforts include restructuring private and government banks, noting that the American company Oliver Wyman is currently studying the conditions of private banks, while E&Y is evaluating government banks, to come up with a unified vision aimed at developing the banking sector and ensuring its effective integration into the international financial system.”   LINK


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

This Is the Max Number of Bank Accounts You Should Have

Self-Made Millionaire: This Is the Max Number of Bank Accounts You Should Have

Gabrielle Olya  Wed, February 19, 2025   GOBankingRates

In her book “Crush Your Money Goals,” financial coach and self-made millionaire Bernadette Joy writes that the first step toward achieving financial freedom is to “curate” your financial accounts. This means reviewing every financial account you have open — your bank accounts, credit cards, loans and properties in your name. Once you have a list of your accounts, it’s time to streamline them and consolidate them into 20.

 “When it comes to achieving financial independence, the fewer accounts you have, the fewer opportunities for mistakes or precious money to fall through the cracks,” she wrote.

Think of each of your financial accounts as a separate handbag,” Joy continued. “Having multiple checking, savings and investment accounts and credit cards is like carrying around an armful of handbags with just a little bit of money in each. It’s not efficient and it feels a little silly.”

While Joy recommends having 20 financial accounts total, your bank accounts should be a small fraction of that.

How Many Bank Accounts Should You Have?

According to Joy, you should have no more than three bank accounts — or four if you own a business.

TO READ MORE:  https://www.yahoo.com/finance/news/self-made-millionaire-max-number-190026431.html

Wednesday Evening News With MarkZ 2-19-2025

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: Good evening Mark, Mods and Family!

Member: Hello Mark, MODS, and all of my family in RV land. Follow the yellow brick road to The Golden Age of America.

Member: Whats new Mark…..any bond news?

MZ: I continue to get more historic bond updates , and the timing is being confirmed from nearly everyone of them…..looking at anytime in the next 12 days to be very busy on that front. Bond folks say their final appointments have been given. They have gotten all kinds of updates including some background on what has been going on.

MZ:  I have not heard much from groups yet….I know a couple people involved in the upper levels of groups that recently traveled to be in place. They say they are working hard but won’t say on what.

MZ: We continue to hear this is an absolute priority for Trump. We hope that is accurate and we are off the “stuck” spot.

MZ: “Kurdistan Council of Ministers confirm its aspirations to resume the nation’s oil exports as soon as possible” This is big and they are talking of resuming them in the month of February. This may be one of the big keys we have been waiting for.

MZ: “Parliamentary finance: US sanctions will exasperate the dollar crisis. The government has no plan” Well, there is a government plan. They are telling us they are going to have to change the value if the US is going to continue de-dollarizing, then they are going to be forced to increase the value of the dinar.

MZ: “ The spread of the counterfeit Iraqi dinar raises the panic of citizens and merchants”  Do not panic. They claim there has recently been an influx of counterfeit bills from Iran. The CBI says it is not widespread or large. But, this does pave the way for new bills with new security features (lower denominations) Great cover for the RV?

MZ: “Al Alaq-Inflation dropped by 3 %”  Think safe and stable. Shabibi always said give me a safe and stabe Iraq and I will give you a new value for the dinar

Member: Thanks to all……hope everyone enjoys their evening….God Bless

Mod: JOIN US FOR W & W AT 8:00 PM EST. TONIGHT...

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=hU-3Fm8ylAU