Tuesday Coffee with MarkZ 09/23/2025

Tuesday Coffee with MarkZ 09/23/2025

Some highlights by PDK-Not verbatim

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

Member: Good morning everyone and Mark and mods!

​​Member: Good morning Mark! we'll it looks like oil agreements are signed ?!?? Time to PARTY !?!?!

Member: Big meetings at the UN this week….Maybe the reset is on the way???

Meeting:  Iraqi representative is to speak this afternoon at UN meeting

Member: Any news from Bond contacts or Indian Nations today ?

MZ: Here is what I am hearing from a number of different historic bond contacts: In a nutshell- they expect to be told today what the final timing is and the procedures and the date when they will get paid. They expect this today and to me that is kind of exciting. The question is if they will be able to share that timing with us??????

Member: Don’t count on it. Why would they risk their funds being confiscated by breaking NDA’s?

MZ: I do not expect them to give us any specifics without getting in trouble…but hoping for a general idea on timing.

Member: How do bonds tie in with the RV/reset?

MZ: Historic bonds are part of the settlement process to settle the old books and wipe the slate clean. We were always told this would happen right before the RV. This is also true for Prosperity packages, CMKX and Farm claims.

MZ: My last update from Indian Nations was on Saturday and they had worked through any differences on monthly payouts (due to this taking so long) This is a monthly amount that all adults will be receiving. The rumor is they will get $4-$5 thousand US dollars per each adult per month. That is the rumors I was hearing.

Member: old list of tiers- if this is still accurate:  There are 5 Tiers of folks Exchanging. Tier 1-governments and royalty Tier 2-whales-elite with platforms of currency, corporations, etc. Tier 3-Historic bonds, Admirals Group, American Indians, CMKX, large church groups (like the Mormons), etc. Tier 4-all the hundreds of thousands paying attention to intel - internet groups(all of us). Tier 5- those who never paid attn - the general public.

Member: Mark my platform told me that funds in Reno were liberated- hope that means released.

Member: My bank is doing a major update on October 20th . also the IRS is requiring individuals who use EFTPS to create a online  account for payments  instead…on Oct 17th

MZ: the IRS is also asked for updated emergency contact information from employees- Due yesterday. They are expecting a government shutdown. Its interesting that now government shutdowns affect the IRS. It did not used to. Its almost as if they are part of the US government now.

Member: If Sudani does not complete the rv and is not reelected in Nov. what happens?

Member: New: Iraqi CoM (Council of Ministers) on Tue ordered the Kurdistan Region to swiftly transfer 120 billion dinars in domestic revenue to the federal government to enable the disbursement of delayed July salaries from Baghdad

MZ: Today is going to be a bid day to watch.

MZ: “Breakthrough: Oil dial to be announced in 24 hours. KRG oil exports to resume”  This was late breaking news yesterday.

MZ: “A tripartite meeting between Baghdad, the region and oil companies begins to resume exports”  The rumor is they export exports to start sometime today.

MZ: there are still some rumors that Sudani has been banned from attending the US meetings in the US. They claim its because Sudani has not done enough to get Iran out of their country. I think its just for show.

MZ: “ Banks are expanding and the numbers are jumping 1400%. 5.6 million cards depicting Iraq’s financial revolution”  These are things they said that had to be done to support lifting the purchasing power of the dinar.

Member: Is it our week or weekend to put my 2 week notice in?

Member: We can hope it is

Member: I'll say it again we are in a psyop stuffed inside of a movie wrapped up in a reality show. and soon we'll be a documentary

Member: Everyone have a good day.

Lewis Herms joins the stream today….please listen to replay for his information.

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

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  TUESDAY THROUGH THURSDAY EVENINGS FOR NEWS @ 7:00 PM EST ~ UNLESS BREAKING NEWS HAPPENS!  FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:     https://www.youtube.com/watch?v=P9up1O1DMK4

MilitiaMan and Crew: IQD News Update-CBI-Gold-Oil -UN-Expect a Formal Announcement

MilitiaMan and Crew: IQD News Update-CBI-Gold-Oil -UN-Expect a Formal Announcement

9-23-2025

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

Follow MM on X == https://x.com/Slashn

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

https://www.youtube.com/watch?v=C3_63lyItSw

Iraq Economic News and Points To Ponder Tuesday Morning 9-23-25

Legal Expert: The Central Bank Is Following A Wise Policy In Diversifying Its Investments.
 
Time: 2025/09/22 Reading: 855 times   Legal expert: The Central Bank is following a wise policy in diversifying its investments.

{Economic: Al Furat News} Legal expert Salah Nouri confirmed on Monday that the Central Bank of Iraq is adopting a wise policy to diversify its investments,  balancing investments in  gold and    US bonds     to bolster its financial reserves. 

Nouri told Al Furat News Agency, "Central banks around the world,including the  Central Bank of Iraq,    are pursuing a diversification strategy to    avoid risks and  achieve the best returns    in the long term." 

 He added, "Investing in US bonds is a key option for achieving    stable,    periodic        returns, but it is affected by the decisions of the US Federal Reserve, as investment in them tends to decline when interest rates are lowered.

" The legal expert continued, "Central banks compensate for this shortfall by turning to gold,    which is considered a safe haven during times of economic crisis."

He explained that "gold does not provide fixed annual returns like bonds. Rather, its profits depend on   the difference between the  buying and   selling prices,      making it a strategic investment for preserving asset value."  
  
https://alforatnews.iq/news/خبير-قانوني-البنك-المركزي-يتبع-سياسة-حكيمة-في-تنويع-استثماراته   

The Path To Development}...A Step Towards Creating Job Opportunities And Encouraging Investment

Baghdad: The Pillar Of The Emirate

The Development Road project, whose Quadripartite Council summit was recently held in Baghdad, highlights a major strategic attempt to restore Iraq's standing in global trade.

Experts see the Grand Faw Port as the starting point for the "Development Road," which will connect the East and West of the world via Iraq and Turkey.

The government is counting on the two major projects, the development road and the Faw Port, to transcend its traditional maritime geography and reposition Iraq economically within the region surrounding Iraq and the world, and to take its rightful place among the world's most important economies.

Minister of Transport Razzaq Muhaibis Al-Saadawi recently chaired the Quadripartite Summit to discuss steps to initiate the "development path," in preparation for holding a ministerial meeting before the end of the current year, with the attendance of the transport ministers of the member states (Turkey, Qatar, and the UAE), along with Iraq. 

Developmental Impacts

 The Prime Minister's Financial Advisor, Dr. Mazhar Mohammed Salih, believes that "the port, if completed, will be one of the largest infrastructure projects in Iraq's modern economic history, and the most ambitious in terms of its developmental and geopolitical impact."

He explained that it is more than just a seaport, and represents an attempt to reshape Iraq's geographical position at the heart of global trade, via what is known as the dry corridor linking Asia to Europe via Iraq and Turkey, reducing time and costs compared to traditional sea routes. 

Commercial Sidewalks

Saleh added, in an interview with Al-Sabah, that the vision behind the project seeks to transform Iraq from a rentier state dependent on oil exports into a pivotal logistics state that plays an active role in the movement of goods, services and energy, linking the economies of the north and the south.

He pointed out that if the Faw Port project is completed in all its components, including the deep commercial docks, industrial and commercial zones, as well as the railway link to the north towards Turkey and Europe,

 in addition to the parallel land and service transport networks, it will be able to accelerate the diversification of GDP sources in Iraq, create tens of thousands of direct job opportunities, encourage local and foreign investments, and stimulate the establishment of parallel industrial, service, logistics and digital sectors.

Initiative State

The government advisor pointed out that the port will contribute to reducing Iraq's sole dependence on oil and will propel it towards a more balanced, diversified and productive economy. He emphasized that it is a strategic project, embodying at its core the foundation of the transition from a rentier economy to a multi-resource economy, and from a state awaiting revenues to a proactive state that creates opportunities. This is in line with the government's program, which is based on the mindset of a sustainable developmental and economic state and the economic reform system that embraces it.

Saleh stressed that the major maritime project, if completed, along with the development road project, will make Faw Port Iraq's gateway to a more diversified, productive, and stable economic future, and that it will be a lever for Iraq's drive toward a more diversified, productive, and stable economic future. 

Qualitative Transformation

The speaker also explained that the development road strategy, which is integrated with the infrastructure of the Grand Faw Port, represents a qualitative shift in modern Iraqi economic thinking.

The country is no longer dependent on oil revenues as its sole resource, but has begun to see the signs of transforming it into a strategic corridor state based on regional integration, advanced infrastructure, and cross-border services. He explained that the development road is a railway project extending from the Grand Faw Port on the Arabian Gulf, passing through thirteen Iraqi governorates, all the way to the Turkish border, where it connects to the European railway network.

Economic Geography

He explained that the project constitutes the backbone of what we might call Iraq's new strategic economy, based on transforming the country from a geographical corridor into an international logistical and trade hub. What we can conclude from the Faw Port Strategy and the Development Road is the summary of Iraq's economic progress, in a world witnessing sharp shifts in economic geography and recurring crises in supply chains.

The Development Road Project in particular stands out as one of the most promising projects for repositioning Iraq as a global logistical hub linking the continents of Asia and Europe.

Features Of A Strong State

He stated that the project represents a qualitative shift in Iraqi economic thinking, not a retreat towards development and prosperity.

It is no longer based on oil revenues as a sole, highly volatile resource. Rather, it has begun to reveal the features of a strong state, transforming into a strategic corridor based on regional integration, advanced infrastructure, and cross-border services. In the rapidly evolving economic world of the 21st century, Iraq stands tall, building a future for its generations.

Diversifying The Economy

 For his part, researcher and academic Dr. Abdul Karim Al-Issawi said: “Iraq seeks to diversify its economy, which relies on oil exports for no less than 95 percent, by activating the service-oriented production sectors, including the transportation sector, foremost among which is the completion of the Grand Faw Port project, which is the foundation of the development path that will link the countries of West Asia with the European continent via Turkey.

This will be achieved by building roads and railways suitable for the expected transport of goods and energy sources, including crude oil, thus ensuring global supply chains for reverse transport between Europe and Asia.”

Job Opportunities

Al-Issawi explained to Al-Sabah that the desired development road will work to create a group of backward and forward links in the areas located on both sides of the road in the Iraqi governorates, foremost of which is creating job opportunities for workers and most notably strengthening economic and financial relations between Iraq and the countries that deal with this road.

He indicated that on the international level, the development road will work to create other outlets for international trade in addition to the Suez Canal and the global trade route India-United Arab Emirates-Mediterranean.

Business Partner

He added that competition will be based on lower costs and shorter distances and times to connect global markets. He noted that Turkey, a major trading partner for Asian and European countries in both exports and imports, views the development road project with great importance and is working to ensure its success by all means possible.

 For his part, economic expert Dr. Adnan Bahiya described the Grand Faw Port as a future pillar of the Iraqi economy. It is a new pillar for Iraqi global maritime trade, and the project's completion will open up new horizons for 99 docks capable of accommodating large vessels.

The Future Of The Country

In an interview with Al-Sabah, Bahiya pointed out that the Grand Faw Project and the development road represent the country's future in increasing and diversifying its financial revenues. The development road will contain development centers in each governorate it passes through.

These centers will consist of exhibitions, factories, export markets, and local industries, which are available in that governorate, as well as importing its own needs from abroad or from other governorates, and manufacturing a wide range of equipment and food crops, which increases the development prospects in each governorate.

He explained that the development road consists of a highway outside the governorates it passes through and railways going and coming, which facilitates commercial land transport and expands it to a new modern horizon.

Both the Faw project and the development road will provide for the construction of the commercial airport planned to be built in the Faw area, electricity generation and water desalination plants, a refinery for the production of petroleum derivatives, a residential city, and a new industrial city. These projects will actually transform Basra into the level of the economic capital of Iraq.

International Cooperation

For his part, international expert Nazir Al-Saadi emphasized that Iraq's internationally important geographic location has not been fully exploited.

The development road, supported by the Faw Port, serves to position Iraq as a gateway to genuine international cooperation.

Al-Saadi stated that the implementation of the development road project undoubtedly represents a qualitative shift in the reality of the Iraqi and global economy, as it works to transform Iraq into a hive of organized activity across all sectors without exception, a goal sought by specialized international companies.

Business Trip

He said: "This project will work to revive all sectors without exception, in cooperation with the international effort that will be directed towards Iraq and the beginning of a new business journey centered on Iraqi territory. Here, we must work to organize the business environment in a way that attracts international companies and achieves the highest levels of economic feasibility for the country." https://alsabaah.iq/120863-.html  

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

Seeds of Wisdom RV and Economics Updates Tuesday Morning 9-23-25

Good Morning Dinar Recaps,

mBridge and the Future of Finance: From BRICS Experiment to Global Dialogue

The Global South tests a new financial backbone — but will it build cooperation or confrontation?

From Pilot to Power Shift

• Launched by China, Hong Kong, Thailand, UAE, and later Saudi Arabia, mBridge has evolved from an experiment into a geopolitical tool.

• With validator nodes, live transactions, and integration potential with India’s UPI, Indonesia’s QRIS, and Brazil’s Pix, it promises scale unlike earlier CBDC pilots (Dunbar, Jura).

• The question: Will BIS step back, leaving governance in BRICS hands, or will it become a truly global framework?

Geopolitical Weight of BRICS + Gulf

• BRICS economies bring sheer market size and demand for alternatives to dollar-based trade.

• Saudi Arabia’s entry links the project to energy trade — a direct challenge to petrodollar dominance.

• Interoperability gives mBridge an edge, turning regional payment systems into a global settlement layer.

Private Players and Global Stakes

• Visa and Mastercard’s possible inclusion adds scale, fraud prevention, and consumer reach.

• But it also raises sovereignty and trust questions: Will Global South nations accept U.S. corporations shaping their CBDC future?

• If successful, mBridge could bypass SWIFT, reduce reliance on the dollar, and give BRICS-aligned nations financial autonomy in trade.

Financial Inclusion and Digital Trade

• CBDCs via mBridge could bank the unbanked (1.6 billion people), lower remittance costs, and streamline migrant worker payments.

• Use cases go beyond trade: NFTs, in-game economies, digital art, carbon credits — all need efficient cross-border settlement.

• By embedding these flows in a federated CBDC, mBridge could become the backbone of the digital economy.

A Bridge or a Fault Line?

• Brookings and Chatham House stress cooperative governance. If adopted, mBridge could create shared global standards.

• But if BRICS uses it as a financial weapon, it may harden blocs and accelerate confrontation.

• Either way, mBridge is no longer just about efficiency — it’s about who writes the rules of money in the digital era.

Why This Matters
mBridge crystallizes the larger struggle you’ve been tracking: finance, trade, and tech are converging into a new architecture.

• For the Global South, it’s about inclusion and sovereignty.

• For the U.S. and allies, it’s about retaining dominance through the dollar and SWIFT.

• The choice is stark: cooperation or polarization.

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

@ Newshounds News™
Source: Modern Diplomacy

~~~~~~~~~

Russia, NATO, and the End of Arms Control: A Geopolitical Turning Point

Putin signals willingness to extend New START, but escalating NATO tensions suggest the end of the post-Cold War security framework.

Russia Floats New START Extension
President Vladimir Putin proposed a one-year extension of the New START Treaty—currently set to expire in February 2026—if Washington reciprocates. This would temporarily preserve the only arms-control agreement still in force, capping each side’s nuclear warheads at 1,550.

Putin’s offer comes with a warning: without mutual restraint, the last guardrail on nuclear stability collapses. He framed it as both a diplomatic gesture and a test of U.S. seriousness.

A Tactical Pause, Not Peace
While Moscow signaled it will voluntarily adhere to New START limits for one year after 2026, Putin emphasized that Western hostility has already dismantled most of the arms-control architecture. Russia, he insisted, is prepared to counter threats with “military-technical measures” if diplomacy fails.

This is less about cooperation and more about buying time. With Ukraine unresolved and NATO encroachment perceived as rising, Russia is positioning the treaty as leverage—while accelerating its weapons modernization.

NATO Airspace Clashes Intensify
The diplomatic track coincides with escalating military tension:

• Estonia and Poland accused Russia of multiple airspace violations.

• NATO jets intercepted Russian fighters, prompting Article 4 consultations.

• Poland even shot down Russian drones, raising the risk of direct conflict.

Trump warned of “big trouble” if the violations continue, while his ambassador to the UN, Mike Waltz, vowed the U.S. would “defend every inch of NATO territory.”

Geopolitical Stakes at the UN
These clashes played out as world leaders convened at the United Nations. Ukrainian President Volodymyr Zelensky called for “powerful pressure” on Russia, while Trump prepared a major speech framing his foreign policy as the “renewal of American strength.”

The timing underscores the dual track: Moscow dangles limited arms-control cooperation even as it probes NATO’s defenses, while Washington sharpens rhetoric and lines up allies for potential escalation.

Why This Matters
The unraveling of arms control, the hardening of NATO’s stance, and Russia’s dual strategy of diplomacy plus deterrence show that we’ve entered a new era of strategic instability. Unlike the Cold War, this instability overlaps with global de-dollarization, sanctions warfare, and competing digital currency systems. Military stability and monetary stability are both eroding simultaneously.

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

@ Newshounds News™ Exclusive
Source: Modern Diplomacy, Modern Diplomacy, Newsweek, Newsweek    

~~~~~~~~~

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Thank you Dinar Recaps

“Tidbits From TNT” Tuesday Morning 9-23-2025

TNT:

Tishwash:  Rafidain Bank finances 85 new projects under the Entrepreneurship Initiative, worth one billion dinars.

Rafidain Bank announced today, Sunday, the launch of the seventeenth batch of the Leadership and Excellence Initiative to support small and medium-sized enterprises, with a total amount of one billion Iraqi dinars and 85 registrations.

The bank's media office said in a statement that "this payment comes as a continuation of the efforts aimed at financing entrepreneurs and youth within the Central Bank of Iraq's initiative," stressing that "the number of financed entries reached 2,272 entries and the total value of the amounts granted so far amounted to 29,941,000,000 billion Iraqi dinars, which reflects the bank's commitment to supporting pioneering projects that contribute to building the national economy." ink

Tishwash:  North Oil: We may resume exporting Kurdistan Region oil via Türkiye within the next few hours.

The North Oil Company expects the resumption of oil exports from the Kurdistan Region via Turkey within the next 48 hours.

The Director of the North Oil Company, Amer Khalil, said that the oil companies requested guarantees to obtain their rights and dues, and the government agreed to this and will provide them with the necessary guarantees.

For his part, a source in the production department of the North Oil Company confirmed that it will receive the Kurdistan Region's oil in Zakho and export it to the Turkish port of Ceyhan, and that its representative participated in today's meeting that witnessed the reaching of an agreement between the Ministry of Oil, the Ministry of Natural Resources in the Kurdistan Region, and the oil companies operating in the region.

Oil sources expected the resumption of oil exports after the approval of the Iraqi Council of Ministers tomorrow. link

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

Tishwash:  Signing of a tripartite agreement on Kurdistan's oil exports

A meeting between Kurdistan Regional Government officials and a delegation from the North Oil Company and oil-producing companies in the region concluded this evening, resulting in the signing of a tripartite agreement between the three parties.

A source in the North Oil Company, who requested anonymity, told the "Al-Jabal" platform on Monday, September 22, 2025, that "a tripartite agreement was signed in Erbil a short while ago between the Ministry of Natural Resources in Kurdistan, the Federal Ministry of Oil, and the oil companies regarding the resumption of oil exports from Kurdistan's fields."

According to information obtained by Al-Jabal's correspondent in Baghdad, "Prime Minister Mohammed Shia al-Sudani has warned members of the delegation representing Baghdad to remain discreet about the details and content of the agreement and not to disclose them to the media until he announces them himself."

According to the agreement, "oil exports from Kurdistan will resume."

 Kurdistan Regional Government spokesman Peshwa Hawrami told the Jabal platform this morning that "the Kurdistan Regional Government, the federal government, and oil production companies have reached an agreement on the oil file, and a tripartite agreement will be signed between the three parties in this regard today."

A delegation from the Kirkuk North Oil Company, headed by the company's general manager and representing the federal Ministry of Oil, arrived in Erbil to conclude an agreement with the Kurdistan Regional Government's Ministry of Natural Resources. 

For months, disagreements between Baghdad and Erbil over the price of oil production and exports from the region's fields, as well as non-oil revenues in Kurdistan, have hampered Baghdad's ability to pay salaries to employees, retirees, and subsidy recipients in the Kurdistan Region.

However, officials' confirmation that an agreement was reached on resuming oil exports and that the State Council had decided on non-oil revenues yesterday, as well as the conclusion of the agreement today, pushes the Council of Ministers toward making a decisive decision on employee salaries during its regular session scheduled for tomorrow, Tuesday.

Hawrami said, "After the signing of the tripartite agreement, there will be no obstacles to sending salaries to Kurdistan Region employees, and Baghdad must send them as soon as possible." link

Mot:  .. Ur Kidding -- Right!!!!???? 

Mot:  Ya Knows - I Now Thinks ""Bear Spray"" is a Good thing to Have 

FRANK26….9-22-25….FLOW BABY FLOW

KTFA

Monday Night Video

FRANK26….9-22-25….FLOW BABY FLOW

This video is in Frank’s and his team’s opinion only

Frank’s team is Walkingstick, Eddie in Iraq and guests

Playback Number: 605-313-5163   PIN: 156996#

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

Iraq Economic News and Points To Ponder Monday Evening 9-22-25

Banking Reform Between The Strictness Of The Standard And The Realism Of Implementation

 Economic 09/22/2025  Dr. Mustafa Akram Hantoush  The Central Bank of Iraq and the local banking system are going through a critical phase that does not tolerate gray solutions.

 After the Central Bank contracted Oliver Wyman last year to conduct a comprehensive study, the initial report was submitted a few weeks ago, followed by the final report, which included a package of mechanisms to address structural imbalances and regulate dollar transactions.

In practice, we are faced with a reform document that establishes a qualitative shift in governance, compliance, and capital. At the same time, it challenges banks—especially those that are struggling or facing sanctions—to test their ability to quickly adapt to a complex operating environment.

Among the most prominent recommendations are raising the capital of all banks to 400 billion dinars, with $2.4 billion to be repaid over four years, and setting clear conditions for mergers or liquidations, in addition to restructuring ownership so that relatives' stakes do not exceed 10 percent.

These conditions, while logical from the perspective of increasing capital strength, strengthening governance, and reducing conflicts of interest, represent a clear challenge to a group of banks facing regulatory restrictions, sanctions, or fragile capital and liquidity.

Therefore, I expect—based on a technical reading of the market and banks' capabilities—that the Central Bank will move to extend the implementation horizon to three years, instead of the previous deadline of the end of this year, while maintaining strict targets and interim accountability.

The essence of reform here is not in   announcing the numbers, but in converting them into a realistic timeline that helps banks achieve compliance without disrupting the financial system.

A capital increase of this magnitude, in a market where financing capabilities remain limited and governance is uneven among banks, requires sufficient time to complete well-thought-out merger deals or orderly divestments.

It also requires building internal capabilities in risk management, combating money laundering, complying with dollar transfer restrictions, and rehabilitating digital and regulatory infrastructure.

On the other hand, there is a dual reform path that distinguishes between banks that choose to operate locally under close supervision by the central bank, with improved standards suited to the domestic market, and other banks that wish to integrate into the international financial system, fully adhering to global standards and international technical partnerships such as Oliver Wyman.

The importance of this approach lies in its recognition of the varying starting points among banks and the structural flexibility it provides to the system, reducing the cost of adaptation, without compromising the ultimate goal: a safer, more transparent sector that is more connected to the global market.

Between rigor and flexibility, we need implementation governance that is no less important than the content of the document itself.

This means forming joint technical committees between the central bank and the banks to oversee the procedural details of each component:

How should capital be raised?   In what timeline?

What are the minimum standards for board governance and relative ownership?

How should dollar channels be managed and trust restored with correspondent banks?

What are the interim progress thresholds that will be rewarded with gradual liberalization?

Having a roadmap with clear timelines transforms the document from a statement of intent into a measurable and accountable performance contract.

As for mergers and liquidations, what is required is not a race to extinguish brand names, but rather market engineering that preserves depositors' rights and reduces moral hazards.

A successful merger requires matching assets and liabilities, cleaning up loan portfolios, re-pricing risks, and managing the transition of systems and personnel without disrupting customer services.

An orderly liquidation requires a clear toolbox: a bridge bank when necessary, transparent compensation mechanisms, and a timetable that ensures the resolution does not turn into a confidence shock. In the background is the dollar issue, the greatest test of confidence.

Regulating transactions is not measured solely by the number of restrictions, but rather by banks' ability to demonstrate actual compliance through Know Your Customer (KYC) systems, tracking transactions, and compliance with sanctions.

Success here is directly reflected in reducing remittance costs and restoring correspondent channels, which supports trade, reduces pressure on the parallel market, and improves the pricing of sovereign risks. Realism does not mean complacency.

 A delicate balance is required: a carefully considered timeline that allows banks to reposition, coupled with stringent interim checkpoints and regulatory rewards tied to actual performance rather than promises.   https://alsabaah.iq/120864-.html      

Iraq Is Considering Establishing A Commercial Zone To Market And Export Agricultural Products.

Economy | 09/22/2025  Mawazine News – Baghdad  The Ministerial Council for the Economy announced today, Monday, that it will discuss the Ministry of Commerce's proposal to establish a commercial zone dedicated to agricultural products and agricultural supplies.

A statement issued by the Council, received by Mawazine News, stated that “Minister of Planning, Mohammed Tamim, chaired the 30th session of the Ministerial Economic Council, which was held at the Council building, in the presence of the Ministers of Finance, Trade, Agriculture, Industry, Labor and Social Affairs, the Secretary-General of the Council of Ministers, the Governor of the Central Bank of Iraq, the Undersecretary of the Ministry of Oil, the Deputy Chairman of the National Investment Commission, and the Prime Minister’s advisors for economic and legal affairs.”

According to the statement, the Council hosted during its session, “the Minister of Water Resources, to discuss the reality of the water sector in the country, the water plan for the winter agricultural season 2025-2026, in addition to discussing the Ministry’s proposals related to maximizing non-oil revenues, and ways to support the state’s general budget by increasing the Ministry’s revenues.”

The Council also discussed the Ministry of Trade’s proposal to establish a commercial zone for agricultural products and agricultural supplies, which would be a center for marketing these products and exporting the surplus, with the aim of supporting the agricultural sector and farmers.

It decided to support this step, given its role in encouraging farmers to export their products outside Iraq and achieving a financial return that contributes to enhancing the national product.

In a related context, the Council hosted the head of the Iraqi Contractors Union to discuss the reality of the contracting sector and service projects, as well as contractors’ dues for completed or under-construction projects.

 It decided to continue supporting this vital sector and disburse dues after determining the percentages of completion, to ensure the continuity of work and improve the level of services provided to citizens.

The Council also decided, according to the statement, that the General Directorate of Industrial Development would grant establishment licenses to establish new factories for the production of prime coat, asphalt, and industrial solvents, in accordance with the provisions of Industrial Investment Law No. (20) of 1998, provided that the factories are equipped with raw materials available at the Ministry of Oil. https://www.mawazin.net/Details.aspx?jimare=267222

A Slight Decrease In The Dollar Exchange Rate In Baghdad

Economy | 09/22/2025 Mawazine News - Baghdad -  The exchange rate of the US dollar against the Iraqi dinar recorded a decline in Baghdad's local markets on Monday morning.

The dollar price decreased in the Al-Kifah and Al-Harithiya stock exchanges to 141,550 dinars for every $100, while yesterday, Sunday, the price recorded 142,150 dinars for every $100.

Selling prices also decreased in exchange shops in Baghdad's local markets, where the selling price reached 142,500 dinars for every $100, and the purchase price reached 140,500 dinars for every $100. https://www.mawazin.net/Details.aspx?jimare=267200

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

7 Key Signs You’re Wealthier Than You Think

7 Key Signs You’re Wealthier Than You Think

Caitlyn Moorhead  Mon, September 22, 202  GOBankingRates

Controversial but consummately successful podcaster Joe Rogan once said he felt like he’d “made it” financially when he had enough money to eat at a restaurant at night without feeling guilty and stressed about what it cost the following day.

Rogan’s net worth is now estimated at $200 million, which is all the money in the world — unless you’re Elon Musk. Rogan’s $200 million fortune he made bloviating opinions is less than 0.05% of Musk’s $395 billion fortune he made building cars and rocket ships.

The point is that how you feel about wealth is subjective and can come from many sources. In a country where more than half of all six-figure earners reportedly live paycheck to paycheck, how do you know if you’re rich, or at least richer than you think? Here are seven key signs you may be wealthier than most Americans.

You Make More Than the Median Earner

Your salary, of course, plays a significant role in your ability to accumulate wealth and has a lot to do with how you measure up to the masses.

“The median household income in the U.S. is around $75,000,” said Joel Ohman, certified financial planner and CEO of Clearsurance. “So, if you make more than that, your income is higher than half the people in the country.

“Of course, how far $75,000 takes you will depend on where you live. For example, you have a lot more buying power with $75,000 a year in Glendive, Montana, than you would in Orange County, California.”

Since the cost of living varies so dramatically from one place to the next, area median income (AMI) is a more accurate yardstick to measure your comparative wealth.

HUD Loans by commercial property financing firm Janover offers a state-by-state AMI breakdown with metro, non-metro and total AMI variants. Fannie Mae has a map-based AMI lookup tool that allows for much more granular and local detail.

You’ve Met the Standard Saving Milestones

Even the most impressive income is no indication of wealth if you spend more of it than you make, which so many high earners seem to do. The more accurate barometer, then, is how much you have in the bank.

TO READ MORE:   https://www.yahoo.com/finance/news/signs-wealthier-think-152349259.html

Everything, Everywhere, all at Once Rally

Everything, Everywhere, all at Once Rally

WTFinance:   9-19-2025

Imagine a market where stocks, bonds, gold, and even Bitcoin are all getting a significant boost. Sounds too good to be true?

 According to financial expert Mel Mattison, featured in a recent insightful WTFinance podcast episode, we might be experiencing just that: an “everything all at once” rally. And his analysis delves deep into the macroeconomic forces at play, suggesting we could be on the brink of a profound financial system reset.

Mel Mattison offers a powerfully bullish outlook for a broad spectrum of asset classes over the medium term – roughly the next 6 to 12 months. He articulates that a unique convergence of several macroeconomic factors is creating what he dubs a “near-perfect storm” for asset appreciation.

These factors combined paint a picture of an economy poised for significant growth, translating into strong performance across traditional and digital assets.

But Mel’s analysis goes deeper than just short-term drivers. He explains a critical, structural dynamic at play: the vast sovereign debt burdens globally.

This unprecedented level of national debt, he argues, necessitates lower interest rates for longer durations. It’s simply unsustainable for governments to service their debt at higher rates.

Perhaps the most thought-provoking aspect of Mel’s discussion on WTFinance is his perspective on the interplay between fiscal and monetary policy.

 He anticipates a likely erosion of Federal Reserve independence as governments increasingly intervene to manage their debt costs and stimulate economies. This could lead to a monumental shift: future monetary policy might evolve toward issuing non-debt-backed currency, reminiscent of historical “greenback” periods.

This isn’t just a tweak; it’s a potential “profound reset of the current financial system.” By issuing currency not tied to debt, governments could mitigate the unsustainable interest expense burden they face, while simultaneously fueling continued economic growth. It’s a bold vision that challenges conventional financial wisdom.

Ultimately, Mel encourages investors to embrace “cautious optimism.” While acknowledging the unique and powerful dynamics shaping the current global economy, he stresses the timeless advice: manage risk prudently.

The “everything all at once” rally, driven by a confluence of economic factors and propelled by the potential for a radical financial system shift, presents both immense opportunities and significant considerations.

Don’t just read about it, hear it directly from the expert! Watch the full video from WTFinance for further insights and detailed information on Mel Mattison’s fascinating market outlook.

https://youtu.be/Lz8HsYKNa5U

US Plots Silent Default as Reset Signals Flash

US Plots Silent Default as Reset Signals Flash

Taylor Kenny:  9-22-2025

The financial winds are shifting, and the whispers of an impending storm are growing louder. For years, we’ve watched the US national debt climb to dizzying heights, fueled by unprecedented money printing.

 Now, the conversation isn’t just about if a financial reset is coming, but when and how we can protect ourselves.

A recent insightful video from ITM Trading delves deep into this critical issue, painting a stark picture of the accelerating US debt crisis and the growing likelihood of a financial upheaval that could radically redefine our understanding of wealth.

The core of the problem is simple yet terrifying: the US government’s insatiable appetite for debt, coupled with the relentless operation of the printing presses. This isn’t sustainable.

History shows us that such monetary policies eventually lead to a “reset,” often resembling a hyperinflationary environment where the value of the national currency plummets.

Imagine a scenario where the US dollar’s purchasing power drastically erodes. What then? The video highlights that in such an environment, the price of gold – real money – would surge, reflecting its true value against a devalued fiat currency.

In this volatile landscape, the narrative around stablecoins has gained traction, with some suggesting they could act as an artificial prop for US debt.

 However, the ITM Trading discussion raises a crucial warning: these very stablecoins, often pegged to the US dollar, could be devalued by the government itself. This isn’t an outright default, but a “silent default” – a surreptitious erosion of value that would collapse trust in the financial system and trigger widespread market crashes.

 It’s a reminder that anything reliant on a central authority carries inherent counterparty risk.

Amidst this uncertainty, the solution advocated is clear and timeless: physical gold and silver. This isn’t about speculation; it’s about wealth preservation and securing your financial future when traditional assets may falter.

The video makes a crucial distinction: avoid “gold-backed cryptocurrencies.” While they sound appealing, they carry the same counterparty risks as any other cryptocurrency. You don’t physically own the gold; you own a digital promise, subject to the whims and solvency of the issuing entity.

One of the challenges is instilling sound money principles in younger generations, a task that often requires patience and understanding as these concepts gradually take hold.

Interestingly, it’s not just independent thinkers raising these alarms. The video points to increasing institutional interest in gold, citing Goldman Sachs’ higher allocation recommendations. This signals that even Wall Street’s titans are becoming increasingly aware of the impending monetary risks, adding significant weight to the argument for precious metals.

The message from ITM Trading is one of preparedness, not panic. By understanding the accelerating risks and taking proactive steps to hold real money – physical gold and silver – you can build a robust shield against the coming financial upheaval.

 It’s not about fear; it’s about foresight, and safeguarding your purchasing power for the future.

https://youtu.be/InMwbIlKggU

Iraq Economic News and Points To Ponder Monday Afternoon 9-22-25

The Iraqi Stock Exchange Trades Shares Worth 4 Billion Dinars Within A Week.

Economy | 02:00 - 09/22/2025  Mawazine News - Baghdad -  The Iraq Stock Exchange announced on Monday that shares worth more than 4 billion dinars were traded last week.

The market reported that "the number of companies whose shares were traded last week reached 59 joint-stock companies, while the shares of 34 companies were not traded due to the lack of matching of buy and sell orders, while 11 companies remain suspended for failure to disclose their shares, out of 104 companies listed on the market."

According to the report, the number of traded shares reached 5 billion, 359 million, and 690 thousand shares, an increase of 68.5% compared to the previous week, with a financial value of 4 billion, 555 million, and 42 thousand dinars, an increase of 25% compared to the previous week through the execution of 4,053 transactions.

According to the market report, “the ISX60 traded price index closed at 964.24 points, recording a 10% increase compared to its closing in the previous session,” noting that “the number of shares purchased by non-Iraqi investors last week amounted to 95 million shares with a financial value of 395 million dinars through the execution of 102 transactions.

The number of shares sold by non-Iraqi investors reached 197 million shares, valued at 445 million dinars, through 133 transactions.

The Iraq Stock Exchange holds five trading sessions weekly, from Sunday to Thursday, and lists 104 Iraqi joint-stock companies representing the banking, telecommunications, industry, agriculture, insurance, financial investment, tourism, hotels, and services sectors. https://www.mawazin.net/Details.aspx?jimare=267214

Central Bank: Iraq To Bid Farewell To Cash Payments In 2026E

Economy - 09/22/2025   Mawazine News – Baghdad  : The Central Bank expects July 2026 to be the date for ending cash payments in all government institutions and other facilities.

The Director of Supervision of Non-Banking Financial Institutions at the Bank, Durgham Musa, said in a statement to the official newspaper, followed by Mawazine News, that "the Central Bank, within the framework of legislation and regulations and under the direct supervision of Prime Minister Mohammed Shia al-Sudani and specialists in other ministries, has achieved progress in the field of electronic payments." He pointed out that "trillions of dinars have been paid electronically, in addition to the complete absence of cash transactions in the departments of the Ministry of Interior."

Musa described these indicators as "excellent," aspiring to generalize the experience to all state ministries, indicating "the existence of more than one initiative to encourage other state institutions to enter the framework of electronic digital payments."

He expected that "Iraq will completely abandon cash transactions in state institutions and other facilities in July of next year, thanks to the efforts and direct supervision of the government and the sectoral body represented by the Central Bank."   https://www.mawazin.net/Details.aspx?jimare=267191

Central Bank: Exports and imports to decline in the second quarter of 2025

Money and Business   Economy News – Baghdad  The Central Bank of Iraq announced, on Monday, a decline in exports and imports in Iraq during the second quarter of 2025.

The bank stated, in statistics reviewed by Al-Eqtisad News, that "Iraqi exports declined during the second quarter (Q2) of the current year to reach $23.285 billion, compared to imports in the first quarter (Q1), in which exports reached $24.112 billion."

According to the Central Bank's statistics, exports included crude oil worth $20.956 billion, petroleum product exports worth $981 million, and other exports worth $1.347 billion.

She explained that Iraqi imports also declined to $17.534 billion, compared to $18.158 billion in the first quarter. She noted that imports included government imports worth $1.813 billion and private sector imports worth $15.993 billion.  https://economy-news.net/content.php?id=60249

The Ministerial Economic Council Discusses Maximizing Non-Oil Revenues And Supports Initiatives To Support Agriculture And Industry.

Local   The Ministerial Economic Council discussed the Ministry of Water Resources' proposals to maximize non-oil revenues, stressing the importance of finding practical solutions that would contribute to supporting the state's general budget by increasing the ministry's revenues.

The Council also discussed the Ministry of Commerce's proposal to establish a commercial zone specializing in agricultural products and supplies. This zone would serve as a marketing and surplus export center, supporting the agricultural sector and contributing to boosting farmers' income.

In the same context, the Ministerial Council for the Economy decided that the General Directorate of Industrial Development would be responsible for granting establishment licenses for new factories producing primecoats, asphalt, and industrial solvents, in a move aimed at boosting local industrial activity and meeting market needs.

This comes as part of the government's drive to diversify sources of income and reduce dependence on oil, by supporting the agricultural and industrial sectors and enhancing their contribution to the national economy.   https://economy-news.net/content.php?id=60260

Al-Mandlawi To Barzani: Baghdad And Erbil Must Cooperate On The Budget And Wealth Management Issues.

Money and Business    Economy News – Baghdad   First Deputy Speaker of Parliament Mohsen al-Mandalawi stressed on Monday that the current phase requires high-level coordination between Baghdad and Erbil to address economic and security challenges, particularly those related to the budget and natural resource management in accordance with the constitution.

A statement issued by his office, received by Al-Eqtisad News, stated that "Mandlawi met with the President of the Kurdistan Region of Iraq, Nechirvan Barzani, in the presence of a number of representatives, to discuss a number of important national issues, foremost among them the relationship between the federal government and the region, and mechanisms for consolidating political and economic stability in the country."

Al-Mandlawi stressed that "the current phase requires high-level coordination between Baghdad and Erbil to address economic and security challenges, particularly those related to the budget and the management of natural resources in accordance with the constitution."

He stressed "the importance of unifying efforts to support the process of administrative and financial reform," noting that "addressing these issues will be a key step toward strengthening citizens' confidence in government institutions, both centrally and regionally." https://economy-news.net/content.php?id=60251

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