11 Genius Things Rachel Cruze Says To Do To Become Wealthy
11 Genius Things Rachel Cruze Says To Do To Become Wealthy
Terence Loose Tue, September 23, 2025 GOBankingRates
Rachel Cruze, money expert and daughter of financial guru Dave Ramsey, has made a name for herself by giving people solid, actionable advice on how to make an achievable budget, control spending and build wealth. She’s the author of “Know Yourself, Know Your Money,” host of “The Rachel Cruze Show,” and a prominent influencer on social media channels.
Here are 11 of her top tips that GOBankingRates pulled from her YouTube channel on how to manage your money to live better, save more and achieve financial freedom.
11 Genius Things Rachel Cruze Says To Do To Become Wealthy
Terence Loose Tue, September 23, 2025 GOBankingRates
Rachel Cruze, money expert and daughter of financial guru Dave Ramsey, has made a name for herself by giving people solid, actionable advice on how to make an achievable budget, control spending and build wealth. She’s the author of “Know Yourself, Know Your Money,” host of “The Rachel Cruze Show,” and a prominent influencer on social media channels.
Here are 11 of her top tips that GOBankingRates pulled from her YouTube channel on how to manage your money to live better, save more and achieve financial freedom.
Live Debt-Free
Growing up in a household that had experienced bankruptcy fostered a deep fear of debt in Cruze, especially high-interest credit card debt. It influenced all of her financial decisions, and she insists that a debt-free existence is possible for almost anyone and is your best bet to becoming wealthy. Her advice: pay off small amounts first to gain momentum, which is also known as the debt snowball method.
Live Below Your Means
When it comes to saving money, Cruze advocates for making a budget that is well within — i.e., below — your means and sticking to it with military discipline. Living below your means gives you the ability to create an emergency fund as well as invest for the future or retirement.
Stop Eating Out
Cruze revealed that dining out sometimes busted her budget. She’s likely not alone. According to a U.S. Foods study, as of last year, Americans spent an average of just under $200 a month dining out. That’s nearly $2,400 a year — not exactly healthy for the bottom line.
Pay Off Your Mortgage Early
If you have a mortgage, chances are it’s your largest monthly expense. Cruze advocated paying it off early, which will be extremely financially liberating and dramatically increase your net worth. She said that most people find they can do it within 10 years if they are dedicated. Use a mortgage payoff calculator to help strategize.
Never Compare Yourself
There’s a saying that “comparison is the thief of joy.” Cruze believes comparing your lifestyle to others can also be the thief of wealth. Always remember that you — and your financial reality and goals — are unique to you. Make decisions with that in mind, budgeting for your dreams, not someone else’s.
Prioritize the ‘Four Walls’
TO READ MORE: https://www.yahoo.com/finance/news/11-genius-things-rachel-cruze-210122575.html
Seeds of Wisdom RV and Economics Updates Wednesday Morning 9-24-25
Good Morning Dinar Recaps,
Trump at the UN: Palestine, Gaza, and the Waning U.S. Grip
Trump’s UN speech on Palestine reveals more than a diplomatic split — it signals a weakening of U.S. leverage in both politics and global finance.
Trump Condemns Recognition of Palestine
At the UN, Trump blasted Western nations for recognizing a Palestinian state, framing it as a “reward for atrocities.” His rejection places Washington at odds with France, Britain, Canada, and others, intensifying U.S. isolation at the very moment multipolar blocs are rising.
Good Morning Dinar Recaps,
Trump at the UN: Palestine, Gaza, and the Waning U.S. Grip
Trump’s UN speech on Palestine reveals more than a diplomatic split — it signals a weakening of U.S. leverage in both politics and global finance.
Trump Condemns Recognition of Palestine
At the UN, Trump blasted Western nations for recognizing a Palestinian state, framing it as a “reward for atrocities.” His rejection places Washington at odds with France, Britain, Canada, and others, intensifying U.S. isolation at the very moment multipolar blocs are rising.
Shifting Global Consensus
By siding unconditionally with Israel, Washington risks alienating partners whose support underpins NATO, G7 coordination, and dollar-denominated finance. This isolation is not just about politics — it erodes the cooperative backbone of U.S. monetary dominance.
Why This Matters
The Gaza war, UN recognition battles, and Trump’s stance all reveal a larger truth: the U.S. is losing consensus power — both diplomatically and financially — as rivals from BRICS to Europe test new alternatives.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™
Source: Reuters
~~~~~~~~~
UN Report: Israel Seeks Permanent Gaza Control
New UN findings highlight Israeli policies designed for long-term control of Gaza and demographic shifts in the West Bank.
Key Points
Report cites systematic destruction of Gaza infrastructure and intent to prevent Palestinian statehood.
Findings frame Israel’s actions as permanent annexation, reshaping the region’s future.
U.S. backing for Israel against global consensus further deepens its isolation.
Why This Matters
The humanitarian crisis doubles as a geopolitical cost center, forcing U.S. financial and diplomatic resources into an unsustainable defense of Israel.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™
Source: Al Jazeera, Reuters
~~~~~~~~~
Trump’s Gaza Plan with Arab States
Trump pitched Arab-majority nations on deploying security forces and funding Gaza’s reconstruction.
Key Points
Proposal aims to enable Israeli withdrawal while excluding Hamas.
Success hinges on fragile Arab consensus — already fractured by rivalries.
U.S. seeks to outsource cost and responsibility while retaining control.
Why This Matters
If Arab states resist or fragment, Washington’s influence erodes further, undermining U.S. credibility across the Middle East and weakening the petrodollar alignment.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™
Source: Axios, Modern Diplomacy
~~~~~~~~~
Macron to Trump: No Gaza Peace, No Nobel Prize
French President Macron openly challenged Trump to end the Gaza war if he wants global recognition.
Key Points
Macron tied Trump’s Nobel ambitions directly to peace in Gaza.
Europe signals frustration with U.S. policy, calling for leverage of military aid to Israel.
Highlights a widening U.S.–EU divide over Gaza and Middle East strategy.
Why This Matters
European dissent erodes Western unity — the same unity required to maintain the dollar-based system against BRICS-led alternatives.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™
Source: Modern Diplomacy, Reuters
~~~~~~~~~
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Thank you Dinar Recaps
“Tidbits From TNT” Wednesday Morning 9-24-2025
NT:
Tishwash: Economist: The tripartite oil agreement is linked to 57 contracts with foreign companies.
Economic expert Nabil al-Marsoumi confirmed on Tuesday the difficulty of evaluating the tripartite oil agreement, given that its details have not yet been published. He noted that the agreement is linked to 57 contracts with foreign companies operating in the Kurdistan Region.
In a statement monitored by Iraq Observer, Al-Marsoumi said, "Evaluating the agreement is difficult in the absence of details, but indications point to an imminent agreement between the three parties." He explained that "the problem is not only between Baghdad and Kurdistan, but also relates to foreign companies that have 57 contracts concluded with the region."
TNT:
Tishwash: Economist: The tripartite oil agreement is linked to 57 contracts with foreign companies.
Economic expert Nabil al-Marsoumi confirmed on Tuesday the difficulty of evaluating the tripartite oil agreement, given that its details have not yet been published. He noted that the agreement is linked to 57 contracts with foreign companies operating in the Kurdistan Region.
In a statement monitored by Iraq Observer, Al-Marsoumi said, "Evaluating the agreement is difficult in the absence of details, but indications point to an imminent agreement between the three parties." He explained that "the problem is not only between Baghdad and Kurdistan, but also relates to foreign companies that have 57 contracts concluded with the region."
He added, "These companies are not among the largest global or American giants, but rather medium- and small-sized companies due to the small size of the oil fields in Kurdistan." He explained that "they all operate under production-sharing contracts, whereby the investor or company undertakes the spending and investment, and then begins to recover its dues when production reaches the commercial stage link
Tishwash: Iraq's gold reserves reach record high, strengthening the dinar.
An economic expert revealed that Iraq's gold reserves have reached record levels, unprecedented for the Central Bank, in a clear indication of the country's strengthening financial strength.
Record growth in reserves
Economic expert Munir al-Obaidi said in a post on his social media page on Wednesday, September 24, 2025, that the Central Bank of Iraq's gold reserves exceeded 24 trillion dinars, a 13.3% annual increase and a 135% increase compared to 2022.
He added that gold reserves accounted for 20% of the total reserves, which amounted to 123 trillion Iraqi dinars. He noted that this figure represents a record high since the establishment of the Central Bank of Iraq, as gold reserves had previously not exceeded 20 trillion dinars, and its contribution to total reserves had never reached 20% before.
The impact of gold on the Iraqi economy
Al-Obaidi explained that reaching this level of gold reserves enhances the strength and value of the Iraqi dinar, especially in light of the global fluctuations witnessed by various currencies, including the dollar.
He pointed out that the Central Bank of Iraq is keen to increase the percentage of gold reserves because it represents a factor of safety and financial stability in the face of international economic fluctuations, and enhances the ability to confront any potential financial crises.
Conclusion
The rise in Iraq's gold reserves to record levels is a significant financial achievement that reflects the Central Bank's prudent reserve management policies, enhances confidence in the Iraqi dinar, and provides additional protection for the national economy from global market fluctuations. link
************
Tishwash: Banks expand, numbers jump 1,400%... 5.6 million cards outline Iraq's "financial revolution"
The Central Bank of Iraq's announcement that the number of domiciled employee cards has reached 5.6 million was not merely an administrative figure; it is a profound indication of the scale of the ongoing transformation of the Iraqi economy.
Economic expert Nasser Al-Kinani interprets this shift as "a major strategic step toward transitioning to a digital economy and enhancing financial inclusion," emphasizing that the new approach aligns with the global trend toward reducing reliance on cash and the risks associated with counterfeiting, money laundering, and the difficulty of oversight.
Al-Kanani explains that adopting electronic payment systems opens a wider window for financial transparency, improves the efficiency of government collection and revenues, and reduces the size of the parallel economy, which for decades has been an obstacle to building a regulated economy. He adds that if Iraq makes good use of this phase, it will achieve a double leap: on the one hand, it will regulate the flow of funds, and on the other, it will expand the base of financial inclusion, providing the state and society with new opportunities for investment and savings.
But the challenge is no less important than the ambition. Al-Kanani points out that "the digital infrastructure and the ability to secure a secure and reliable payment network covering all cities and rural areas" remain the biggest obstacle.
The gap between the center and the periphery could threaten this project if it is not accompanied by a government effort to expand the internet network and ensure electricity stability, in addition to raising citizens' financial literacy and encouraging them to use electronic means.
He therefore emphasizes the need for coordinated cooperation between the government, banks, and payment companies to provide practical solutions for all segments of society, from government employees to retirees and self-employed individuals.
To support Al-Kanani's claim, official government data reveals the magnitude of the leaps achieved over the past three years. The number of bank accounts rose to nearly 20 million, compared to only 8 million in 2022, a growth rate exceeding 150%. Bank cards of various types reached between 21 and 22 million, compared to 16 million three years ago, an increase of 38%. Infrastructure expanded at an unprecedented pace; the number of point-of-sale (POS) terminals rose to 62,000, up from less than 10,000 in 2022, and the number of ATMs jumped to 7,531, compared to only 2,223 three years ago.
These figures, which experts describe as a qualitative transformation, become even more evident when looking at total electronic payments, which reached 1.37 trillion dinars in May 2025, up from just 90 billion at the end of 2022, representing a growth rate of 1,400%. Financial inclusion also rose to approximately 40%, up from less than 10% in 2019, reflecting the entry of large segments of society into the formal financial system after decades of reliance on paper money.
Al-Kanani believes that when these indicators are coupled with ongoing government projects, such as the activation of the local card by the end of 2025, the launch of rapid payment, the adoption of unified electronic collection, and the localization of private sector salaries, Iraq will enter a "new phase that redefines the relationship between citizens and the state based on transparency and trust," provided that technical and legislative obstacles are addressed through a serious national plan accompanied by a comprehensive awareness campaign.
In conclusion, Al-Kanani outlines the scenario: Without capitalizing on this digital boom, the Iraqi economy will remain captive to the same risks that have hobbled it for decades. However, if it is seriously invested in, the July 2026 deadline set by the Central Bank could become a true turning point, launching Iraq toward a more disciplined, just, and globally integrated economy. link
Mot: Soooooooo - When is YOUR - Favorite Time of Year???
Mot Timing - Seeee -- It's All bout Timing it is!!!!
FRANK26…..9-23-25……THEY TELL YOU BECAUSE IT IS DONE Parts 1 and 2
KTFA
Tuesday Night Video
FRANK26…..9-23-25……THEY TELL YOU BECAUSE IT IS DONE
Clare: #5991"MOF WAITING FOR THE NEW EXCHANGE RATE".......F26 An informed source: July salaries for Kurdistan employees are "ready for disbursement," awaiting approval from the Ministry of Finance.
Clare: FINAL ARTICLE #5992"BECAUSE THE EXCHANGE RATE, SO CLOSE"......F26 The Kurdistan Regional Government calls on Baghdad to "urgently" resume oil exports and send financial dues.
KTFA
Tuesday Night Video
FRANK26…..9-23-25……THEY TELL YOU BECAUSE IT IS DONE
Clare: #5991"MOF WAITING FOR THE NEW EXCHANGE RATE".......F26 An informed source: July salaries for Kurdistan employees are "ready for disbursement," awaiting approval from the Ministry of Finance.
Clare: FINAL ARTICLE #5992"BECAUSE THE EXCHANGE RATE, SO CLOSE"......F26 The Kurdistan Regional Government calls on Baghdad to "urgently" resume oil exports and send financial dues.
Clare: FINAL ARTICLE #5998"IT DEVELOPS THE FLOAT"......F26 Government Advisor: The digital sector is a driver of development and an engine of economic diversification.
Clare: FINAL ARTICLE #6000 "DINAR... BUY SELL & TRADE WITH, EQUALS REER."......F26 Al-Sudani: We hope Iraq will be a gateway for 20% of Asian trade to Europe.
Clare: FINAL ARTICLE #6002"1310 IS HISTORY... NEW RATE IS HISTORICAL"........F26 Al-Sudani: Iraq's Vision 2050 is a message to the world that Iraq has decided to rise up and regain its historical role.
Clare: FINAL ARTICLE #6003"THE GOAL IS SECURITY FOR THE M.R. ... IRAQ TELLS TRUMP, DONE".......F26 The Coordination Framework places a letter to Trump in the Iraqi president's bag for New York.
Clare: FINAL ARTICLE #6007"EXCHANGE RATE REGULATION PROCESS"..........F26 The Ministry of Finance begins distributing employee salaries for the month of September.
Clare: FINAL ARTICLE #6010 "FLOW BABY FLOW!!!"......F26 Breakthrough: Oil Deal to Be Announced in 24 Hours, KRG Oil Exports to Resume
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#
What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE… ORANGE=IMPLEMENTATION
FRANK26….9-23-25......PART 2....THEY TELL YOU BECAUSE IT IS DONE
Iraq Economic News and Points To Ponder Tuesday Afternoon 9-23-25
Cougar: US Bonds Are Outside The Political Game And Do Not Threaten The National Economy.
Time: 2025/09/23 18:48:56 Reading: 495 times {Politics: Al Furat News} Jamal Kocher, a member of the Parliamentary Finance Committee, confirmed that US bonds do not pose any threat to the national economy, noting that they are considered by the US side in economic transactions and are not included in political calculations
Cougar: US Bonds Are Outside The Political Game And Do Not Threaten The National Economy.
Time: 2025/09/23 18:48:56 Reading: 495 times {Politics: Al Furat News} Jamal Kocher, a member of the Parliamentary Finance Committee, confirmed that US bonds do not pose any threat to the national economy, noting that they are considered by the US side in economic transactions and are not included in political calculations.
"Any country that holds US bonds is registered within the US economy's accounts," Kocher told Euphrates News. "Therefore, the United States does not seek to harm its economy through these bonds, but rather completely separates them from the political situation."
He explained that "this holding is considered part of the global economic system and is managed independently of political disputes or positions."
Kocher added, "The issue of US bonds in general does not affect the national or domestic economy, which sends a reassuring message about the absence of direct risks to Iraq in this regard." LINK
Ministry Of Planning: Annual Inflation Rate Fell By 1% In August.
Buratha News Agency171 2025-09-23 The Ministry of Planning announced today, Tuesday, a decrease in annual inflation for the month of August by (1) percent, as the Ministry’s spokesman, Abdul Zahra Al-Hindawi, stated that “the Ministry recorded a slight increase in the inflation rate during the past month of August by (0.8%), compared to the month of July, which witnessed a decrease by (0.1%).”
He also explained that "the annual inflation rate for August 2025 decreased by (1%) compared to the same month of last year 2024," expecting "the rise in the monthly inflation rate to be due to an increase in the prices of three main sections, as the prices of food and non-alcoholic beverages increased by (1.7%), the housing section by (0.1%), and various goods and services by (0.6%)."
He added, "Four other departments saw their prices decline, while the prices of five departments remained stable at their July levels." https://burathanews.com/arabic/economic/465522
The Minister Of Oil Discusses With The President Of The American University Scientific And Technical Fields That Serve The Development Of The Oil Industry.
Tuesday, September 23, 2025, | Economics Number of reads: 283 Baghdad / NINA / Deputy Prime Minister for Energy Affairs and Minister of Oil Hayan Abdul-Ghani discussed with the President of the American University in Baghdad, Brad Cook, the scientific and technical fields that serve the development of the oil industries.
A statement by the Ministry of Oil stated that Abdul-Ghani received, today, Tuesday, the President of the American University in Baghdad, Brad Cook, and a delegation from the university.
During the meeting, they discussed the scientific and technical fields, modern studies and research, and training, which serve the development of the oil industries.
The university delegation included, according to the statement, the Vice President of the University for Academic Affairs Zuhair Attia, the Director of Communication and Advisor to the President of the University for Public Affairs, Elisha Holland, the Executive Director of the Center of Excellence for Innovation and Training, Ziad Shaaban, the Executive Director of Government and University Relations, Mahmoud Hatem, and the Director of the Office of the President of the University, Tara Karim. / End
https://ninanews.com/Website/News/Details?key=1253291
Oil Prices Fall After Baghdad And Erbil Agree To Resume Exports.
Economy | 09/23/2025 Mawazine News - Follow-up Oil prices fell for a fifth straight session on Tuesday after a preliminary agreement between Baghdad and Iraq's Kurdistan region to restart an oil pipeline increased concerns about oversupply.
Brent crude futures fell 42 cents, or 0.63%, to $66.15 a barrel by 0332 GMT, while U.S. West Texas Intermediate (WTI) crude fell 36 cents, or 0.58%, to $61.92 a barrel, according to Reuters.
Both contracts have posted losses for five straight sessions, falling about 4%.
"Oversupply concerns remain dominant, while the demand outlook remains uncertain as we approach the end of the year. The restart of the Kurdistan pipeline also weighed on prices," said Anh Pham, senior analyst at London Exchange Group.
Two oil officials told Reuters that the governments of Baghdad and Iraq's semi-autonomous region reached an agreement with oil companies to resume crude oil exports via Turkey on Monday.
This agreement will allow the resumption of exports of approximately 230,000 barrels per day from Iraqi Kurdistan, which had been halted since March 2023.
Overall, the global oil market is preparing for an increase in supply and a slowdown in demand, due to the rapid development of electric vehicles and economic problems caused by tariffs.
The International Energy Agency said in its latest monthly report that global oil supply will rise more rapidly this year, and the surplus could widen in 2026 with increased production from OPEC+ members and growing supply from producers outside it.
However, risks loom over the market as traders anticipate the European Union's consideration of tightening sanctions on Russian oil exports, in addition to any escalation of geopolitical tensions in the Middle East.
A preliminary Reuters poll on Monday predicted an increase in US crude oil inventories last week, while gasoline and distillate inventories were likely to decline.
Separately, figures from the Joint Organizations Data Initiative (JODI) released yesterday showed that Saudi Arabia's crude oil exports in July hit a four-month low.
Iraq, the second-largest oil producer in the Organization of the Petroleum Exporting Countries (OPEC), has increased its oil exports under an OPEC+ agreement, the Iraqi Oil Marketing Organization (SOMO) reported. https://www.mawazin.net/Details.aspx?jimare=267254
For current and reliable Iraqi news please visit: https://www.bondladyscorner.com
Vietnam FREEZES 86 Million Accounts For Noncompliance With New Biometric Requirements
Banking purge: Vietnam FREEZES 86 Million Accounts For Noncompliance With New Biometric Requirements
By Ramon Tomey // Sep 21, 2025 HOME // CENTRAL BANKS
Vietnam is freezing or deleting 86 million bank accounts (nearly half of all accounts nationwide) for failing to comply with mandatory facial biometric scans, citing AI-driven fraud and money laundering as justification.
Transactions over 10 million dong ($379) now require facial verification, disproportionately impacting foreign residents and inactive account holders, with reports of people forced to fly back to Vietnam to avoid account termination.
Banking purge: Vietnam FREEZES 86 Million Accounts For Noncompliance With New Biometric Requirements
By Ramon Tomey // Sep 21, 2025 HOME // CENTRAL BANKS
Vietnam is freezing or deleting 86 million bank accounts (nearly half of all accounts nationwide) for failing to comply with mandatory facial biometric scans, citing AI-driven fraud and money laundering as justification.
Transactions over 10 million dong ($379) now require facial verification, disproportionately impacting foreign residents and inactive account holders, with reports of people forced to fly back to Vietnam to avoid account termination.
Privacy advocates warn this sets a dangerous precedent for government financial control, with biometric data being irreplaceable if hacked, enabling permanent identity theft risks and potential misuse for surveillance and exclusion.
Similar to Cyprus' 2013 bail-ins and Nigeria's crypto bans, Vietnam's move reflects a global trend of governments weaponizing banking access to enforce compliance, with experts predicting more countries will follow.
Proponents argue this crackdown highlights the need for censorship-resistant money like Bitcoin, where users retain full control without reliance on banks or biometric mandates.
In a sweeping move that has alarmed privacy advocates and Bitcoin proponents alike, Vietnam has begun closing 86 million bank accounts that failed to comply with strict new facial biometric authentication mandates.
The State Bank of Vietnam (SBV) first announced the purge in July, with the closures taking effect this month. It cited rising fraud powered by artificial intelligence (AI) and money laundering as justification for the unprecedented financial lockdown.
Under the SBV's rules, facial scans are required for account verification and transactions exceeding 10 million Vietnamese dong ($379). This has left millions of citizens and expatriates scrambling to reclaim access to their own funds, though foreign residents and inactive account holders appear to be disproportionately impacted.
The move has left nearly half of the country's 200 million accounts now frozen or slated for deletion. Given this, critics warn this marks a dangerous escalation in government financial surveillance – one that could foreshadow similar crackdowns worldwide.
One Reddit user, a former contractor identified as "Yukzor," described being forced to fly back to Vietnam to prevent HSBC from shuttering his account. He called the requirement "crazy" in an era where digital solutions should suffice.
"They said they will close my account this month if I don't fly in and update the biometrics," Yukzor lamented, highlighting the draconian reality of centralized financial control. Bitcoin commentator Marty Bent echoed the sentiment, bluntly stating: "This is why we Bitcoin."
How Hanoi is accelerating financial surveillance
Historical precedent suggests Vietnam's actions are far from isolated. From Cyprus' 2013 bail-ins to Nigeria's abrupt cryptocurrency bans, governments have repeatedly weaponized banking access to enforce compliance. Bent noted it would be "naive to think Vietnam will be the last" – pointing to Lebanon, Turkey and Venezuela as cautionary tales where capital controls crippled financial autonomy. (Related: Vietnam becomes first country to enact comprehensive law regulating the digital technology industry.)
Brighteon.AI's Enoch also points out that "linking bank accounts to biometrics poses severe security risks, as compromised biometric data – unlike passwords – cannot be changed if hacked, leaving victims permanently vulnerable to identity theft and financial fraud. Additionally, centralized biometric databases like those proposed for digital IDs could be exploited by governments or corporations for surveillance, control and even exclusion from essential services based on compliance with mandates."
The SBV defended the policy as a necessary cleanup of dormant or fraudulent accounts, particularly after police busted an AI-driven laundering ring moving 1.03 trillion dong ($39 million) using spoofed facial scans. Yet critics like Bitcoin environmentalist Daniel Batten warn the rules grant the SBV "next-gen financial surveillance ability," eroding privacy under the guise of security.
While local crypto executives downplay the backlash, insisting most Vietnamese citizens remain unaffected, the policy's ripple effects are undeniable. Herbert Sim, chief marketing officer of the AI Creator Economy and Network, noted the challenges for foreigners: "The OTP [One-Time Password] and phone-bindings, needing in-person biometric verification are big hurdles."
For Bitcoin advocates, Vietnam's crackdown underscores the urgency of decentralized alternatives where no government can freeze funds or demand biometric tribute. As Bent put it: "Once you use Bitcoin as your bank and do it correctly, there is no need to worry about your country's government or central bank deciding on a whim to thrust biometric verification requirements on you."
The fallout from Vietnam's banking purge serves as a stark reminder. In an age of escalating digital control, the fight for financial sovereignty is just beginning.
Visit Surveillance.news for more similar stories.
Watch this video from World Alternative Media about the closure of 145 banks in a span of five weeks.
Gold Being Revalued as Money again, this Rally is Different
Gold Being Revalued as Money again, this Rally is Different
Commodity Culture: 9-22-2025
Gold. For centuries, it’s been a symbol of wealth, stability, and a trusted hedge against uncertainty.
But what if this current surge in gold prices isn’t just another cyclical climb? What if it signals a fundamental revaluation – a “remonetization” – of the yellow metal in the global financial system?
Gold Being Revalued as Money again, this Rally is Different
Commodity Culture: 9-22-2025
Gold. For centuries, it’s been a symbol of wealth, stability, and a trusted hedge against uncertainty.
But what if this current surge in gold prices isn’t just another cyclical climb? What if it signals a fundamental revaluation – a “remonetization” – of the yellow metal in the global financial system?
This intriguing prospect was recently explored in an insightful interview on Commodity Culture, where Jesse Day hosted Stefan Sklepowicz, CEO of Kirkland Lake Discoveries. Stefan laid out a compelling case for why gold’s comeback is far more significant than many realize, and how companies like Kirkland Lake Discoveries are poised to capitalize on this seismic shift.
Stefan emphasizes that today’s gold rally is not merely a typical price surge. It’s a fundamental revaluation driven by a cocktail of powerful macro-economic forces: persistent global inflation, staggering record-high debt levels, and a noticeable erosion of trust in traditional fiat currencies.
In response, central banks worldwide – particularly those outside the Western bloc – are aggressively diversifying their reserves by purchasing gold.
This isn’t just tactical; it’s a strategic move signaling a “remonetization” of gold. It’s being embraced as a core monetary asset, not just a hedge. Developments like Basel III regulations, which now classify gold as a tier one asset for banks, and efforts by BRICS countries to incorporate gold into trade settlements, further solidify this trend toward gold’s renewed monetary role.
The message is clear: gold’s role in the global financial system is undergoing a profound transformation, and smart investors are looking beyond the headlines to understand the underlying drivers and discover the companies best positioned to benefit.
Ariel: We Got Over the Biggest Hump
Ariel: We Got Over the Biggest Hump
No better explain here.
We got over the biggest hump. Now everything that is tethered to the currency revaluation no longer needs or requires this long drawn out process in order to officially underwrite Iraq.
The Oil
The Two State Solution
Donald Trump Announcement
Ariel: We Got Over the Biggest Hump
No better explain here.
We got over the biggest hump. Now everything that is tethered to the currency revaluation no longer needs or requires this long drawn out process in order to officially underwrite Iraq.
The Oil
The Two State Solution
Donald Trump Announcement
The September 30th Financial Modernization
All of this falls right under Security & Stability.
TL: How did I miss this little tidbit today?! This document was not just reviewed, verified & signed, but it was signed by Karim Khasbak, THE HEAD of Iraq’s State Council!
His signature VALIDATES Baghdad’s authority and legal coverage over: •KRG’s non-oil revenues (border crossings, taxes, customs, etc.)
•Enforcement of the 2025 budget law Article 13 and related clauses
•Ensures full federal-KRG budget compliance, enabling:
•Salaries to flow •Oil exports to resume
•Foreign company payments to be processed
DO YOU KNOW WHAT THIS MEANS?! THE FIRST DOMINO JUST FELL!
1. ALL REVENUE STREAMS ARE NOW ACCOUNTED FOR!
•Both oil and non-oil revenues from the Kurdistan Region are now REGISTERED under Baghdad’s control, LEGALLY approved and audited & READY for integration into national budget flows!
2. FACILITATES UNIFIED TREASURY OPERATIONS! The CBI and Ministry of Finance can now predict FULL national revenue, balance spending and deficit projections & LAUNCH A STABLE NEW RATE WITH CONFIDENCE!!!!
3. THIS SIGNATURE STRENGTHENS IMF & WTO CONFIDENCE! Global institutions monitoring Iraq’s financial reform (IMF, WTO) will view this as progress on transparency, a milestone in federal unity& A GREEN LIGHT for foreign investor confidence!
HE JUST PUSHED THE BUTTON IMO!
PRAYERFULLY we should see the parallel market be obliterated this week because the rate will be released! This is such good news!
Source(s): https://x.com/Prolotario1/status/1970274600240939088
https://dinarchronicles.com/2025/09/22/ariel-prolotario1-we-got-over-the-biggest-hump/
Why High-Earning ‘Henrys’ Don’t Feel Any Richer Despite Six-Figure Salaries
Why High-Earning ‘Henrys’ Don’t Feel Any Richer Despite Six-Figure Salaries
Jessica Wong August 24, 2025 5 min read Moneywise
They pull in six-figure salaries but don’t think they’re rich. More money, same exact problems —
HENRYs, or “High Earners, Not Rich Yet,” are a surprisingly large class of Americans who pull in big bucks but still feel financially strapped.
Why High-Earning ‘Henrys’ Don’t Feel Any Richer Despite Six-Figure Salaries
Jessica Wong August 24, 2025 5 min read Moneywise
They pull in six-figure salaries but don’t think they’re rich. More money, same exact problems —
HENRYs, or “High Earners, Not Rich Yet,” are a surprisingly large class of Americans who pull in big bucks but still feel financially strapped.
Some have liabilities matching their assets. Even with annual incomes topping $200,000, they’re living paycheck to paycheck and battling credit card debt.
Others are dedicated savers who only experience their wealth through a number in their bank account.
“Earning doesn’t actually make you feel rich; spending it does,” clinical psychologist Sabrina Romanoff shared with CNBC in July.
“If most people spent 99% of their paycheck, they’d feel quite rich. And it’s the paradox here. When we’re in accumulation mode, it’s very difficult to feel rich.”
Wealthy But Financially Unhealthy
Over 25% of high-earning households — pulling in between $200,000 and $300,000 per year — are unhappy with their finances, according to research by Matt Killingsworth, a senior fellow at the University of Pennsylvania.
“Even people who are doing pretty well aren’t maybe as satisfied as we might imagine,” Killingsworth told The Wall Street Journal.
Marie Incontrera is a 39-year-old Manhattan-based entrepreneur whose income soared from $15,000 a year as a professional musician to an expected $300,000 to $400,000 from her digital marketing consulting business. Her company is projected to generate $1.4 million in 2025.
“I would have thought back then that the amount of money I have in the bank right now, I would be rich, right? ... And I don’t feel that way,” she told CNBC. “I have more money anxiety, almost, now than I ever did in my 20s.”
Certainly, rising prices are making a six-figure salary less impressive than it used to be.
But many HENRYs also experience lifestyle creep and funnel their money into things like daycare, organic food or a home in a nicer neighborhood.
These can quickly feel like essentials and not luxuries, leaving high earners feeling like they don’t have much more disposable income than before.
How HENRYs can get a grip on their finances
TO READ MORE: https://finance.yahoo.com/news/more-money-same-exact-problems-103000817.html
Seeds of Wisdom RV and Economics Updates Tuesday Afternoon 9-23-25
Good Afternoon Dinar Recaps,
China’s Expanding Leverage: Diplomacy With Washington, Alignment With Pyongyang
Beijing reopens doors with U.S. lawmakers while deepening ties with North Korea — signaling a dual-track strategy to stabilize trade while strengthening authoritarian alliances.
Good Afternoon Dinar Recaps,
China’s Expanding Leverage: Diplomacy With Washington, Alignment With Pyongyang
Beijing reopens doors with U.S. lawmakers while deepening ties with North Korea — signaling a dual-track strategy to stabilize trade while strengthening authoritarian alliances.
U.S. Lawmakers in Beijing: Breaking the Ice
A bipartisan U.S. delegation met Chinese Premier Li Qiang in Beijing, the first such visit since 2019.
The trip emphasized “breaking the ice” after years of trade wars, pandemic-era freezes, and tensions over Taiwan.
Both sides touched on AI governance, military dialogue, and fentanyl control, suggesting areas where cooperation may cautiously grow.
Yet, disputes over semiconductors, tariffs, and Taiwan remain unsolved — structural points of friction unlikely to fade.
Why This Matters
This visit shows Beijing is willing to appear cooperative with Washington when it suits economic and stability needs — but it doesn’t erase deeper divides. It’s a strategic pause, not a reversal.
Kim Jong Un and Xi: Authoritarian Solidarity
Kim Jong Un pledged to strengthen ties with China “more vigorously,” thanking Xi for backing during sanctions pressure.
Both leaders stood together at Beijing’s WWII military parade — a symbolic gesture of unity.
Kim reiterated openness to talks with the U.S., but only if Washington drops disarmament demands — a nonstarter.
China’s support shields Pyongyang economically, undermining international sanctions and allowing nuclear development to continue.
Why This Matters
China’s cover for North Korea ensures America faces two tracks of pressure: an adversarial nuclear partner in Pyongyang, and a “cooperative competitor” in Beijing. Together, they erode U.S. influence in Asia and weaken sanctions as a policy tool.
Connecting the Dots: Vietnam, Beijing, Pyongyang
Vietnam’s biometric freeze highlights how governments in Asia are experimenting with financial control tools that mirror the GENIUS Act framework in the U.S.
At the same time, China is playing both sides: warming ties with the U.S. to protect trade flows while cementing authoritarian alliances with North Korea to counterbalance U.S. power.
These moves aren’t isolated — they’re part of a global shift in which finance, diplomacy, and digital control systems converge.
Why This Matters
The U.S. faces a narrowing corridor:
Financial control tools (as seen in Vietnam) are normalizing in Asia, previewing what could happen under GENIUS Act frameworks.
China’s diplomacy with Washington is tactical, not transformative.
China–North Korea solidarity signals deeper alignment of states hostile to U.S. influence.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™
Source: Reuters, Modern Diplomacy, ZeroHedge, Modern Diplomacy, Watcher Guru
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From Missiles to Money: How Today’s Headlines Reveal Global Finance Restructuring
Geopolitical flashpoints from Moscow to Beijing point to a deeper truth: the old order is fracturing, and money — not missiles — will decide the outcome.
Russia: Arms Control Erodes, Digital Ruble Emerges
Putin’s offer to extend New START is less about diplomacy and more about buying time as Russia modernizes its arsenal and prepares for post-dollar trade via the digital ruble.
With NATO tensions rising over airspace violations, Moscow frames security through both hard power (nuclear) and soft power (currency modernization).
The linkage is clear: when trust in arms control breaks down, nations double down on financial and technological sovereignty.
China: Expanding Leverage on Two Fronts
A rare U.S. congressional visit to Beijing shows Washington is trying to cool tensions, but China is setting the terms — from AI talks to trade routes.
Meanwhile, Xi and Kim’s embrace in Beijing signals a firmer China–North Korea bloc, complicating U.S. strategies in East Asia.
This dual diplomacy shows China’s method: pair military alliances with financial tools like mBridge, weaving security and money into one strategy.
mBridge: The Silent Game-Changer
While Russia and NATO spar and China manages diplomacy, mBridge quietly reshapes finance itself.
A BRICS + Gulf-backed multi-CBDC network, it challenges SWIFT and dollar dominance.
If paired with digital ruble rollouts and yuan trade settlements, it becomes the settlement layer for the very conflicts dominating today’s headlines.
NATO and the Dollar Link
NATO’s reaffirmation of “defending every inch” may look like military doctrine — but it’s also financial doctrine.
Defending territory means defending supply chains, payment flows, and dollar-backed systems.
When borders are tested, so are currency regimes.
The Common Thread: Power Is Shifting From Weapons to Wallets
Russia’s nuclear diplomacy, China’s regional leverage, and mBridge’s rise are not isolated.
They are different sides of the same coin: nations retooling both their arsenals and their financial systems for a post-dollar world.
Where Washington leans on NATO and the Genius Act, Moscow and Beijing lean on digital currencies, alliances, and parallel systems.
Why This Matters
We need to pay attention to this pattern: these are not random events. They’re deliberate moves in a larger game where currency, payment systems, and digital identity matter as much as missiles or treaties.
This is not just politics — it’s global finance restructuring before our eyes.
@ Newshounds News™ Exclusive
Source: Modern Diplomacy, Reuters, Newsweek
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News, Rumors and Opinions Tuesday 9-23-2025
Ariel : The Oil Agreement for Iraq that Changes Everything
Signed Sealed & Delivered: The Oil Agreement That Changes Everything (Iraq On The Verge)
People I will go so far to say that Iraq cannot implement the trilateral oil agreement without integrating the Iraqi Dinar (IQD) into the Forex market, as this step is essential for ensuring currency convertibility, reserve credibility, and international enforceability of the deal.
I do not see how this can happen without listing their currency on the Forex.
Ariel : The Oil Agreement for Iraq that Changes Everything
Signed Sealed & Delivered: The Oil Agreement That Changes Everything (Iraq On The Verge)
People I will go so far to say that Iraq cannot implement the trilateral oil agreement without integrating the Iraqi Dinar (IQD) into the Forex market, as this step is essential for ensuring currency convertibility, reserve credibility, and international enforceability of the deal.
I do not see how this can happen without listing their currency on the Forex.
American Iraqi Dinar holders have been waiting since 2005 for a big change in Iraq’s currency value, often called a revaluation or RV. Back then, after the fall of Saadam Hussein, many believed the Iraqi Dinar would bounce back to a stronger rate, like it had before the wars.
People bought dinars hoping for huge gains, but delays from political fights, corruption, and oil issues kept it stuck at around 1,300 dinars to one U.S. dollar.
This wait has been tough, with scams and false rumors along the way. Now, with recent news of a trilateral oil deal between the Kurdistan Regional Government, the Iraqi government, and oil companies, it feels like the pieces are falling into place.
Holders should pay close attention because this could finally unlock the stability Iraq needs to make that rate change real.
Think about Iraq first Baghdad’s economy is basically a black gold faucet, 90% of its budget from oil, and this two-state breakthrough dials down the chaos that’s kept the spigot half-shut.
Regional stability means no more proxy flare-ups choking the Strait of Hormuz or jacking up shipping costs; oil flows smoother, prices steady out, and Iraq’s exports already ramping with that KRG deal hit global markets without the usual sabotage or sanctions drama.
That extra revenue? It floods the CBI’s reserves, already hovering at $100 billion, giving them the muscle to defend a stronger dinar rate instead of propping up the weak 1,300-to-dollar peg that’s been a joke on the streets.
We’ve seen how tensions spike volatility remember ’23 when Houthi nonsense tanked Brent crude? This summit eases that, letting Iraq execue its $153 billion ’25 budget without the usual fiscal heart attacks, unlocking salaries and reforms that scream “RV ready” to the IMF and investors.
Read Full Article: https://www.patreon.com/posts/signed-sealed-on-139488519
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Courtesy of Dinar Guru: https://www.dinarguru.com/
Militia Man What we're seeing in real time is Iraq integrating into the global financial system. They have set the stage building confidence in the international economy...That's what they're doing. That's in print today and yesterday and much of it has been collective over the last few weeks.
Yada No missing pieces, no delays. All the tentacle are in place and connected for the SET time of release. The digital release in Iraq is connected with the rest of the world…
Frank26 [Iraq boots-on-the-ground report] FIREFLY: The digital sector is very big. They are telling us this is going to be our future. They are saying if the oil deal [with Kurdistan] gets passed, this will lead to the oil and gas [HCL Law] being passed and put into action per our constitution. The United States and the IMF are pressuring for this to be done. FRANK: You know why? Because they want you to move that HCL. Because everything else is taken care of. FRANK: if the COM can just approve and pass this with the constitution and then send into the parliament…then we would be in a wonderful position for a new exchange rate.
De-Dollarization Accelerates – China Ditches $25 BILLION a Month in MASSIVE Sell-Off
Lena Petrova: 9-22-2025