Seeds of Wisdom RV and Economics Updates Wednesday Afternoon 11-19-25

Good Afternoon Dinar Recaps,

Gold Prices Rebound on U.S. Data & Central Bank Demand

Safe-haven demand surges as economic risk returns.

Overview

• Gold recovered modestly on Nov. 18, lifted by weak U.S. labor-market data and renewed rate-cut hopes.

• Deutsche Bank projects an average price of $4,000/oz in 2026, citing strong official-sector demand.

• Goldman Sachs reaffirmed its long-term bullish stance, targeting $4,900/oz by end-2026, with central banks buying aggressively.

Key Developments

• Central banks continue major allocations to gold, with Goldman estimating ~64 tonnes purchased in September.

• Softer U.S. data (e.g., unemployment claims) raised the probability of a December Fed rate cut, adding to gold’s appeal.

• U.S. equities declined while Treasuries and gold gained, a sign of risk-off repositioning.

Why It Matters

This is a resurgence of structural demand for gold, not just short-term hedging. Central banks’ accumulation reflects long-term reserve strategy. Combined with macro volatility, it signals growing systemic risk and a potential shift toward hard-asset reserve models.

Implications for the Global Reset

• Pillar 3: Metals & Strategic Resources — Gold is increasingly functioning like “money,” representing a move toward tangible reserves in a multipolar system.

• Pillar 5: Currency & Payment Systems — As central banks rotate into gold, it challenges fiat currency dominance and signals a possible transition to a more diversified reserve asset base.

This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Goldman Sachs sees continued central bank gold buying in November — Reuters

• World Gold Council – Central Banks demand trends (Q3 2025)

• Central banks on track for 4th year of massive gold purchases — Reuters / Metals Focus

~~~~~~~~~~

Italy Moves to Assert State Control Over $300B Central Bank Gold

Rome debates reclaiming its gold reserves amid broader reserve-asset politics.

Overview

• Italian lawmakers revived efforts to claim the Bank of Italy’s ~2,452 ton gold reserves (worth around $300 billion) for the state.

• The proposal could redirect the gold’s value into public finances.

• Critics warn the move threatens central bank independence and could breach EU norms.

Key Developments

• The claim is being introduced via a budget amendment.

• There’s discussion of taxing undeclared private gold holdings to raise revenue.

• The debate intensifies over how national wealth should be managed — between sovereign control and central banking authority.

Why It Matters

If passed, this would be more than symbolic. It would represent a shift in how nations treat their reserve assets — using gold not just as a hedge, but as a lever for public finance. It underscores how gold’s strategic role is being re-politicized in a world that increasingly questions the primacy of the dollar.

Implications for the Global Reset

• Pillar 3: Metals & Strategic Resources — States are elevating gold from reserve asset to political instrument.

• Pillar 1: Finance & Investment Architecture — Reclaiming central bank gold could reshape the balance between sovereign wealth and independent central banking.

This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• Italy lawmakers revive state claim on central bank’s $300 billion gold pile — Reuters

• World Gold Council – Central Banks demand trends (Q3 2025)

~~~~~~~~~~

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Ariel : Right Now the Iraqi Dinar is Basically Stuck

Ariel : Right Now the Iraqi Dinar is Basically Stuck

11-19-2025

Iraq Update:

These two moves – forcing every single bank in Iraq to finish their full ICAAP stress-tested capital plans and flipping the switch to ISO 20022 for all cross-border payments starting this Saturday (Nov 22) – aren’t just “nice-to-have” upgrades.

They’re the final two checkboxes the grown-ups in the room (IMF, U.S. Treasury, BIS, the big correspondent banks in New York and London) have been demanding before they let Iraq play in the real international forex sandbox.

I have told people many times. This is why you do not constantly see me doing daily updates because there needs to be key items in place. Even if they clean up all corruption. All militias. All Iranian proxies. All Z*****t influences. They still need these basic elements in place in order to fully integrate into the globalist markets.

Think of it like this:

Right now the Iraqi dinar is basically stuck in a kiddie pool with floaties on. You can only buy or sell it in big size through the CBI’s daily dollar auction or a handful of shady exchange houses.

 Nobody reputable touches it on the open forex market because the banks behind it look shaky on paper and the payment rails are still running 30-year-old SWIFT message formats that scream “money-laundering risk.”

Source(s):    https://x.com/Prolotario1/status/1990894012014747681

https://dinarchronicles.com/2025/11/18/ariel-prolotario1-right-now-the-iraqi-dinar-is-basically-stuck/

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Ariel): Iraqi Dinar Update

Iraqi Dinar Update: Moving The Needle : A Windfall For The Ages

Here’s what is legitimately exciting for anyone holding or thinking about holding dinar (without the fairy-tale RV nonsense)

The dinar’s about to go fully international in a way it never has. Post-Nov 22, Iraqi banks are on the exact same modern payment rails as London, New York, and Singapore.

No more clunky middlemen or that old dollar auction crutch. That means real-time, clean cross-border flows trade finance, remittances, oil payments all smoother and cheaper. Less friction = more actual usage of IQD outside Iraq over time.

Private banks are getting real muscle for the first time in decades. With Basel III locked in and state banks getting restructured, you’re gonna see actual lending booms to the private sector.

Iraq’s non-oil economy could finally wake up. More factories, construction, tech stuff that creates real demand for the dinar instead of everyone hoarding dollars.

The street already knows something’s shifting the black market premium is basically dead. That’s the quietest it’s been since Sadaam’s days.

When the premium vanishes completely (and it’s damn close), the CBI has zero reason to keep artificially propping the rate. A slow, steady appreciation (think 5-15% a year as the economy diversifies) becomes way more plausible.

Iraq’s sitting on sound money in reserves and oil. Once the new rails are live and the banks are solid, the dinar becomes a legit carry-trade play for pros borrow cheap elsewhere, park in high-yield Iraqi deposits, collect the spread.

That foreign money flowing in naturally pushes the rate stronger over months/years, not overnight.

Which means if the Iraqi dinar goes up next month you don’t have to trade in all your notes. Because it’s going to continue to increase well into 2026/2027 even if it was to go international tomorrow.

Read Full Article:  https://www.patreon.com/posts/iraqi-dinar-for-143883706

https://dinarchronicles.com/2025/11/18/ariel-prolotario1-iraqi-dinar-update-waiting-for-the-injection-point/

CBI to Support Dinar Stability

CBI to Support Dinar Stability

By John Lee.

The Central Bank of Iraq (CBI) has issued a statement clarifying the objectives and functions of its Investment Department:

Objectives

To mitigate risks associated with the investment of foreign reserves whilst achieving acceptable returns thereon.

To support exchange rate stability through the provision of foreign currencies to meet the requisite requirements for financing balance of payments needs and to facilitate multiple channels for funding banks and financial institutions operating in Iraq.

To manage and reduce risks arising from the currency of receipt of Iraqi crude oil revenues, as the principal sovereign resource and primary source of foreign currency requirements in Iraq.

To maintain continuity of critical operations within the Department during crises and emergencies, with ongoing updates to contingency arrangements.

Functions

To manage, invest and execute transactions on foreign reserves through investment in liquid foreign assets and the implementation of investment operations thereon to achieve acceptable returns in accordance with the Central Bank of Iraq Law No. (56) of 2004, as amended.

To prepare reports on balances held with central banks, financial institutions and commercial banks on a daily, monthly, quarterly and annual basis.

To maximise the sole sovereign return through the management, notification and monitoring of Iraqi crude oil export credits.

To enhance banks' balances with our correspondent institutions abroad and to execute transfers on behalf of the Ministry of Finance.

To execute investment operations and conclude transactions on foreign reserves.

To prepare the annual plan and strategic plans pertaining to foreign reserves.

To execute all financial transactions through the SWIFT department in accordance with the standards and specialised language of the unified global system of the Society for Worldwide Interbank Financial Telecommunication (SWIFT).

To undertake periodic and ongoing updates to the SWIFT system and to correspond with banks operating in Iraq regarding matters relating to the monitoring of procedures to be implemented by them.

(Source: Central Bank of Iraq)

https://www.iraq-businessnews.com/2025/11/19/cbi-to-support-dinar-stability/

Wednesday Coffee with MarkZ 11/19/2025

Wednesday Coffee with MarkZ  11/19/2025

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: Gooood morning Mark, mods and fellow RV’ers!

Member: This needs to happen, the holidays are almost here.

Member: Any thoughts on Judy Shelton involvement in the new financial system?

MZ: She has certainly talked about a return to a hybrid gold system…..by this coming July.

Member: I believe we are supposed to have gold backed treasuries by July 4, 2026.

Member: Judy Stelton mentioned three things : drop interest rates to zero or negative, this will reward, honest work and output, issuing some sort of gold back treasury bond starting July 4, 2026

Member: Mark, do you believe we are heading into a critical 3 day window with major banking events occurring over the next 3 days leading up to the 22nd?

Member: Iso 20220 is supposed to implemented worldwide on Nov. 22.

Member: Maybe we waiting on the Nov 22 ISO compliance to go?

Member: so on 22nd November and Basel III coming in…. wonder if the SWIFT as we know it now changes too?

Member: New system….we call it QFS, but in reality it is blockchain…I think the banks are setting up the swift system to then change into quantum?

Member: Aside from the announcement of the asset backed currency and global reset, I wonder what we’re waiting for?

Member: BRICS launches payment system in 185 Countries today !! That was actually on Nov. 17th

MZ: “The National Bank of Iraq (NBI) successfully completes the transition to the New Global Standard SWIFT MX”  They want us to know they have successfully completed the transition to the new global standard which allows blockchain ledger to track all movement. Necessary steps imo.

MZ: This is the new Iso20220 system or model for Iraq and their banks…..lots of good articles today.

MZ: I think I will be wearing that gold shirt soon.

Member: LedgerInsights: Last week Citi and SWIFT announced they completed a technical trial to enable the exchange of digital currency for fiat currency using adaptations to SWIFT’s messaging system. Beyond the technology and behind this payment versus payment (PvP) trial , this announcement signals strategic positioning from both sides. SWIFT is launching it’s own ledger and wants to play a central role in orchestration between legacy systems and and different types of blockchain.

MZ: In other words they are trying to carve out a place where they still matter with the new system…a bridge between the old and the new.

Member: sounds like the new QFS system may be called the new SWIFT MX system using blockchain in the future. Time will tell

Member: MarkZ. Iraq Business News article, CBI to support Dinar stability. Whoa!

MZ: here is the link.. https://www.iraq-businessnews.com/2025/11/19/cbi-to-support-dinar-stability/

MZ: “CBI-to support Dinar Stability” they have issued a statement to clarify the objectives.    To mitigate risks associated with the investment of foreign reserves whilst achieving acceptable returns thereon. To support exchange rate stability through the provision of foreign currencies to meet the requisite requirements for financing balance of payments needs and to facilitate multiple channels for funding banks and financial institutions operating in Iraq.

MZ: “Iraq and Turkey resume negotiations on pipeline agreement”  they have been running under a temporary agreement and now this one is up for renewal in 2026. They are trying to increase output throughout the region.  This is part of HCL moving forward.

MZ: Barzani says they need to finish HCL and make it permanent. I was told for years that with this final agreement we will see the new dinar value.

MZ: “Economist: Fear in the streets about a new exchange rate with the birth of the new government” They are afraid they will reduce or devalue the rate. The only thing acceptable is to increase the purchasing power.

Member: Any bank stories today?

Member: My bank story is that the tellers just smile when I ask if they are excited about the new changes!

MZ: I am hearing some interesting things on movements of assets out of historic trusts. Things like the Dubai, Rodrigues and Euro trusts. They have been taking assets in the trusts and turning them “liquid” for disbursement. This means we should be very close.

MZ: I know a couple of Indian leader contacts who say they are expecting to have all their funds secured by the end of the week. I am hearing very positive stuff.

Member: And the Indian Nations are in tier 3….great news.

MZ: I know of a bond contact who has a final meeting tomorrow. Which means it will happen late tonight while we are in bed. Hopefully we will have news on it by tomorrow morning.

Member: Our world's will be great if this happens soon.....hope to have a great Thanksgiving this year

Member: Maybe we waiting until Christmas …when it’s allegedly easier to open the St. Germaine trusts?

MZ: I have heard no word yet on the St. Germaine trust.

Member: Each day we're closer to the finish line... which is really just the beginning …..Woop Woop

Lewis Herms joins the stream today. Please listen to the replay for his information and opinions

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

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=zsVt8uNmOAQ

News, Rumors and Opinions Wednesday 11-19-2025

Note: All intel should be considered as "Rumors" until we receive official announcements ...and “Rates and Dates” could change anytime until we get to the banks/redemption centers.

RV Excerpts from the Restored Republic via a GCR: Update as of Wed. 19 Nov. 2025

Compiled Wed. 19 Nov. 2025 12:01 am EST by Judy Byington

Possible Timing of Restored Republic via a GCR Judy Note: The below is a compilation of various sources opinions on the roll out of the Restored Republic and new Global Financial System. Please treat as rumor as the Intel changes daily, sometimes hourly, or by the minute, plus only a select one or two were authorized to expose the exact timing:

On Thurs. 20 Nov. 2025 Nesara/Gesara frameworks enforce debt forgiveness and redistributing trillions in seized Cabal assets directly into sovereign QFS accounts (Judy Note: Is this Zim Holder Redemption?), the wealth redistribution triggering the largest transfer of stolen funds back to citizens.

On Sat. 22 Nov. 2025 the Cabal’s fiat currency SWIFT System expires and the RV/GCR launches. The Iraqi Dinar leads the reval, ZIM at parity, Dong follows under BRICS gold integration.

Tues. 25 Nov. 2025 Redemption Centers open nationwide. Tier4b notification (Us, the Internet Group who hold foreign currencies and Zim Bonds) will be sent out to set exchange/redemption appointments. The Military and Starlink Satellite System will be protecting exchanges.

Starting Mon. 1 Dec. 2025 Nesara/Gesara activates through Trump’s Tariff payments, wiping out the national debt and distributing $2,000 directly to Americans via the QFS.

Wed. 10 Dec. 2025: BRICS Nations finalize gold-backed currency integration, accelerating Global de-dollarization and enforcing VIP arrests under GESARA Law with QFS Blockchain security.

Mid-2026 GESARA enforced Global Wealth redistribution, wiping out the national debt and distributing $2,000 directly to Americans via the QFS.

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Recent History of Restored Republic via a GCR Timing:

At 9:00 AM EST on Thurs. 6 Nov. 2025, the Quantum override sequence was (allegedly) authorized. At 23:11 Zulu time the signal was (allegedly) transmitted from the Cheyenne Mountain command complex. Since that moment, all global data systems have been syncing to the Quantum Financial System.

Sun. 9 Nov. 2025 all banks worldwide sent memo to change to digital ISO2002 gold/asset-backed currency by Sat. 15 Nov. 2025.

On Wed. 12 Nov. 2025 Trump(allegedly)  signed the NESARA Bill, establishing the Gold Standard for currency and initiating debt forgiveness nationwide. Then the Deepstate (allegedly) collapsed when Trump forced the Federal Reserve to print $1.5 Trillion, flooding the economy and initiating a Global order rewrite with BRICS Nations stabilizing multi-polar currencies.

On Thurs. 13 Nov. 2025 Quantum Financial System rollout synchronization (allegedly) completed across U.S. departments, enabling full activation of the gold-backed quantum financial system and dismantling elite-controlled banking circuits. $150 Trillion in Prosperity Funds were unlocked, the direct deposits to end 161 years of hidden debt.

On Sat. 15 Nov. 2025 QFS synchronization (allegedly) completed, activating gold-backed biometric wallets worldwide and bypassing Deepstate Banks and pre-loading Tier4b Redemption Codes at a 1:1 parity. 

The gold/asset-backed RV’d currencies activated on the Global/BRIC Alliance Quantum Financial System, severing Deepstate control over Global Banking and initiating mass asset seizures from corrupt elites.

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Tues. 18 Nov. 2025 Bruce The Big Call 667-770-1866, pin123456#:

In the last couple of days we had timing for this saying Wed. or Wed.-Thurs. we would receive our notifications.

On Sat. 22 Nov. the ISO2022 would be activated (the RV).

An Intel person called right before this show and said we would get our notifications to set appointments for exchange after the ISO2022 was activated and begin our exchanges on Mon. or Tues.

President Trump wants this to go before Thanksgiving, which is next Thurs. 27 Nov.

R&R payments should be in your wallet at the Redemption Center.

There were 31 currencies revaluing in this basket and as far as Bruce knew there would not be a second basket.

Read full post here:  https://dinarchronicles.com/2025/11/19/restored-republic-via-a-gcr-update-as-of-november-19-2025/

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

Nader From The Mid East  December 8th something will come out...something will change.  I'm excited about it...For now everything is quiet...nothing out there.  We keep watching.

Mnt Goat   Article:  “SUDANI COURTS TRUMP: I WILL VISIT WASHINGTON WITH 50 IRAQI BILLIONAIRES”  Quote:   “Mr. al-Sudani told The Times he would bring 50 Iraqi billionaires to Washington next month for an “Invest in America” conference, to show “harmony with President Trump’s course.”  WOW!  This is exactly the relationship we need to see between Iraq and the US. Choo-Choo the RV is on the train and coming down the tracks…Can you hear the whistle blowing?

Frank26   [Iraq boots-on-the-ground report]   Omar:   The Oliver Wyman report back in August…says in 2026 Iraq will put the implementation phase on the ground and…currency will grow from 2026 to 2028.  That sounds like a managed float in 2026.  We will see it soon.  FRANK:  In the documentation from Oliver Wyman, Donald Trump’s friends, laid out step by step what’s next of the monetary reform.  We all assumed the next thing is to release the new exchange rate and the lower notes.  Yeah, that’s exactly right.  Well, when?  According to Oliver Wyman August report..it’s says it very clearly… 

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NESARA / GESARA HOW IT WORKS - EXPLAINED WITH JACK KIDD & CHARLIE WARD (RERUN)

Wikipedia • The National Economic Security and Recovery Act is a set of proposed economic reforms for the United States suggested by private citizen Harvey Francis Barnard during the 1990s.

https://www.youtube.com/watch?v=8HF9XYCl4EY

Seeds of Wisdom RV and Economics Updates Wednesday Morning 11-19-25

Good Morning Dinar Recaps,

U.S. & Russia Quietly Draft New Ukraine Peace Roadmap

Washington explores an alternative diplomatic path outside the traditional NATO–EU framework.

Overview

• Axios reports the Trump administration has developed a 28-point peace roadmap modeled on the Gaza ceasefire framework.

• The plan covers four pillars: a Ukraine ceasefire, security guarantees, broader European security, and the future of U.S. relations with Russia and Ukraine.

• Key envoys are already deeply engaged: Steve Witkoff (U.S.), Kirill Dmitriev (Russia), and Rustem Umerov (Ukraine).

• European allies are being briefed, signaling the proposal has entered a pre-negotiation phase.

Key Developments

• U.S.–Russia coordination resumes at a level not seen since before the 2022 invasion.

• Witkoff has held regular communication with Moscow while also meeting Ukrainian officials in Miami.

• The White House is quietly informing European partners, suggesting readiness to formalize discussions.

• Kyiv’s reaction remains cautious, as any roadmap could test Ukraine’s red lines on sovereignty and territorial integrity.

• Sources say the plan mirrors Trump’s Gaza template, prioritizing phased de-escalation and security guarantees.

Why It Matters

If validated, this would represent the most significant U.S.–Russia diplomatic engagement in years — one capable of reshaping the negotiation landscape. A bilateral channel outside NATO and the EU could unsettle European capitals while pressuring Kyiv to consider concessions it has previously rejected. It marks a possible pivot toward a U.S.-mediated settlement that reframes the war’s endgame within a global power reset.

Implications for the Global Reset

Pillar 1: Geopolitical Realignment

A direct U.S.–Russia channel signals a restructuring of global diplomatic power centers — with Washington recalibrating strategy away from multilateral forums toward leader-to-leader negotiation models.

Pillar 2: Security & Energy Architecture

Any settlement that reshapes borders or security guarantees in Eastern Europe will ripple into global energy markets, NATO posture, and BRICS-aligned strategies for multipolar influence.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Axios – “US, Russia secretly shaping new Ukraine peace plan”

• Reuters – “US, Russia discuss Ukraine ceasefire elements amid diplomatic shift”

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Saudi Arabia Signs Major Deal for Chinese Electric Copters, Deepening Aviation-Tech Partnership

Riyadh accelerates its shift toward smart mobility, sustainability, and China-aligned industrial innovation.

Overview

• Saudi Aerospace Solutions (SAS) signed an agreement to purchase 100 Vertaxi electric helicopters, advancing Saudi Arabia’s future-aviation sector.

• The aircraft will transport pilgrims, tourists, and VIP passengers, supporting Vision 2030 mobility goals.

• eVTOL technology reduces emissions, cuts travel times by up to 90%, and enables point-to-point movement without traditional airports.

• Saudi–China tech ties are broadening, spanning AI, cloud infrastructure, manufacturing, green energy, and logistics.

• The deal follows 34 investment agreements signed during Xi Jinping’s 2022 Saudi visit.

Key Developments

• Saudi Airlines and SAS plan to deploy Vertaxi aircraft for Hajj, Umrah, major sporting events, and inter-city tourism routes.

• Aircraft capabilities: up to 175 km range, 260 km/h speed, vertical takeoff and landing, seating for six passengers.

• The agreement positions Saudi Arabia as a regional hub for low-altitude electric aviation by 2030.

• Tesla-style mobility ambitions: Saudi Arabia is pursuing a domestic EV manufacturing ecosystem, supported by Chinese partners.

• Tencent announced expansion of cloud and digital services with a major new data center in Riyadh, strengthening the Sino-Saudi tech corridor.

• Saudi initiatives include green hydrogen, solar PV, logistics modernization, and sustainable industrial growth, aligning with Vision 2030 diversification.

Why It Matters

This deal cements China as a core technology partner in Saudi Arabia’s transition toward next-generation air mobility and smart-city integration. eVTOL deployment at scale could radically reshape regional transportation, reduce reliance on oil-linked aviation systems, and deepen the Kingdom’s alignment with China’s growing digital and manufacturing influence.

Implications for the Global Reset

Pillar 1: Technological Sovereignty

Saudi Arabia’s embrace of Chinese aviation tech and cloud infrastructure reflects a global power realignment away from Western suppliers and toward multipolar systems of innovation.

Pillar 2: Energy & Sustainability Transition

Electric aviation supports Saudi Arabia’s long-term move toward post-oil economic architecture, positioning the Kingdom within the emerging clean-tech bloc shaping global infrastructure.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “Saudi Firm Signs Deal for Chinese Electric Copters”

• South China Morning Post – “China’s eVTOL ambitions expand globally through Gulf partnerships”

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Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

What To Do Before A Catastrophe Strikes

What To Do Before A Catastrophe Strikes

Retired professor, 75, fumbled to learn her finances when her husband died.

Moneywise   Vawn Himmelsbach  Tue, November 18, 2025

When Alice Stone Nakhimovsky’s husband, Alexander, passed away unexpectedly last year from a brain aneurysm, she lost more than her partner. She also lost every detail of their financial life.

The 75-year-old retired professor had written 11 books, yet she didn’t understand the language of finance. Her husband had always handled that side of things.

“It’s mostly because I have no interest in learning about investing,” Nakhimovsky told The Wall Street Journal (1).

She knew they had saved more than $1 million, but she didn’t understand how it was allocated or even how much she could safely spend each month to make it last through retirement. She also knew she was “a sitting duck” if she didn’t figure it out.

It took her a year to get everything sorted, and she now regrets not doing it earlier. After all, she said, “catastrophe can strike at any time.”

What’s At Stake

Women tend to live longer than men, which means they’re more likely to be widowed and more likely to need a bigger nest egg.

Life expectancy in the U.S. is 75.8 years for males and 81.1 years for females (2). A woman also has a 7-in-10 chance of outliving her husband, either due to life expectancy or marriage age gaps (3).

Yet, while 30% of high-earning heterosexual women in the U.S. are now the primary breadwinners, “less than half prefer that role,” according to UBS’s 2023 Own Your Worth report. Only half of those breadwinners engage in short- and long-term financial decisions (4).

“Less than half, 49%, of women primary earners in heterosexual relationships say they prefer that arrangement, compared to 87% of men breadwinners,” the report found.

TO READ MORE:  https://finance.yahoo.com/news/retired-professor-75-fumbled-learn-163000960.html

“Tidbits From TNT” Wednesday Morning 11-19-2025

TNT:

Tishwash:  Central Bank of Iraq: Net currency in circulation exceeds 92 trillion dinars in one month

The Central Bank of Iraq revealed on Tuesday that the net currency in circulation amounted to more than 92 trillion dinars during September 2025.

The bank stated in a statistic seen by Shafaq News Agency that the net currency in circulation amounted to 92.185 trillion dinars in September, down from 93.090 trillion dinars in August.

The bank added that the currency issued by it amounted to 99.681 trillion dinars, while the currency held by banks amounted to 7.496 trillion dinars.

The bank indicated that the issued currency is the money that the state prints through the central bank for the purpose of circulation, and it includes banknotes of paper and metal denominations circulating outside the vaults of the central bank.  link

Tishwash:  Dhi Qar: Announcement of a new batch of compensation checks under Article 140

The Committee for the Implementation of Article 140 of the Constitution announced today the release of a new batch of financial checks for beneficiaries of compensation, calling on citizens whose names are listed in the attached lists to visit the committee’s office in Baghdad to receive their previously issued checks before their expiry date.

The committee stated in a press release received by Nasiriyah News Network that the current batch includes 103 bank checks ready for disbursement. It emphasized the necessity for applicants to bring the required documents, which include valid and certified legal powers of attorney for 2025 with a barcode, a copy of the 2025 inheritance certificate, two copies of the identification documents for all heirs, and two personal photographs for each heir.

The committee stressed the importance of expediting the application process to ensure the checks are disbursed within the legal timeframe and to avoid the loss of rights due to the checks' expiration  link

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Tishwash:  The National Bank of Iraq announces the completion of its transition to the new global standard, SWIFT MX.

The National Bank of Iraq announced the completion of its transition to the new global standard SWIFT MX for financial messages, a step that marked a significant milestone in the bank's technological infrastructure modernization and enhanced readiness for digital transformation.

The bank said in a statement, “The implementation of this transformation comes as part of the bank’s transition from the old MT standard to the MX ISO 20022 model, which is the most advanced, structured and data-rich framework in the global financial messaging sector. The transformation process was carried out across all operational channels with high efficiency and minimal downtime, reflecting the bank’s strong technical readiness, accurate planning, and commitment to providing its services without any significant interruption.” 

He pointed out that “this transformation is an advanced step within the strategic roadmap of the National Bank of Iraq to modernize its systems, enhance its compatibility with global best practices, and provide an advanced digital banking experience for its individual and corporate clients.” 

The statement quoted Aqeel Ezzedine, Chief Operating Officer and Deputy CEO of the National Bank of Iraq, as saying that “the smooth transition to the MX standard is the result of a robust system of governance, teamwork and careful planning, and represents an important step in modernizing the payments infrastructure and enhancing the reliability and security of banking operations.” 

Hani Khalil, head of the transformation department at the National Bank of Iraq, said, according to the statement, that “the completion of this transformation embodies the bank’s commitment to keeping pace with the latest international standards in payment systems, and building a more transparent, integrated and high-quality financial data structure, which enhances customer experience and strengthens the bank’s position within the regional financial system.” 

The MX standard enables a more accurate and richer exchange of information in financial messages, with substantial improvements in transaction tracking and identification of parties, supporting global trends towards greater efficiency and transparency in payments.

Since the new system came into effect, the bank has not recorded any significant problems, which confirms the success of the implementation process and the close coordination between the transformation, IT and operations teams, in addition to effective cooperation with partners and regulatory authorities.  link

Mot:  . Wait for your turn!!! 

Mot:  I Do Try - But!!!  

FRANK26…..11-18-25….KNOWING A TIME FRAME

Tuesday Night Video

FRANK26…..11-18-25….KNOWING A TIME FRAME

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

https://www.youtube.com/watch?v=vhST1kTJhM4

Seeds Of Wisdom RV And Economics Updates Tuesday Evening 11-18-25

Good Evening Dinar Recaps,

Developing countries push the UN and multilateral banks for structural reforms that reflect modern realities.

Overview

• Global leaders are calling for more representative governance across institutions like the IMF, World Bank, and multilaterals.

• Developing economies argue that current structures do not reflect their economic weight, nor their exposure to global shocks.

• The UN highlighted the need for coherent, equitable financing frameworks capable of addressing debt, climate, and development challenges together.

Key Developments

• Proposals were made to scale up multilateral development banks, enabling more responsive support for emerging economies.

• Tax and financing reforms were debated, focusing on burden-sharing and modernizing revenue systems.

• Civil society and government leaders aligned in demanding deeper systemic reforms rather than incremental adjustments.

Why It Matters
This represents a historic challenge to post-WWII financial governance, signaling that the next era of global order may be shaped by broader participation and new institutional mandates.

Implications for the Global Reset

• Pillar 3: Financial Governance — A shift toward inclusive institutions could rebalance global decision-making.

• Pillar 5: Global Economic Order — Institutional reform is essential to stabilizing a multipolar world.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources:

• United Nations – “Economic and Social Council Debates Global Financial Reform”

• World Economic Forum – “Reforming the Global Financial System for the 2030 Agenda”

~~~~~~~~~~

Digital Iron Curtain — Russia’s BRICS Tech Crackdown Redraws the Global Cyber Map

Sweeping restrictions on Google, Apple, and Samsung signal a decisive break from Western tech dominance.

Overview

• Russia accelerates plans to block Google, iOS, and major Western apps, citing national security risks tied to foreign intelligence agencies.

• New BRICS-aligned digital sovereignty rules tighten as Moscow restructures its entire tech environment.

• Domestic alternatives rise, reshaping user access, device manufacturing, and digital infrastructure.

Key Developments

• Russian lawmakers reaffirmed plans for a Google and Apple shutdown, expanding earlier restrictions on government officials using Western platforms.

• Major fines and compliance penalties escalated, including new court rulings targeting Google and TikTok.

• Apple and Samsung required to preinstall Russian software and adopt domestic search engines as default settings.

• Data localization enforcement intensified, forcing foreign companies to store all Russian user data on local servers.

• VPN apps and political content apps were removed from Apple and Google stores under government orders.

• Russia expanded testing of its “sovereign internet”, conducting isolated regional shutdowns and blocking major services to evaluate operational control.

• Over 100 VPN apps vanished from Apple’s App Store, with dozens removed from Google Play.

Why It Matters

Russia’s alignment with BRICS digital-security goals marks a historic shift away from Western-controlled platforms. By dismantling access to global tech giants, Moscow is attempting to build a parallel digital ecosystem — one that could ultimately become the blueprint for BRICS-wide cybersecurity and information governance.

These steps also reveal how digital sovereignty is becoming a central battleground in the emerging multipolar world. The implications extend far beyond Russia, affecting international technology markets, cross-border data flows, and global information access.

Implications for the Global Reset

Pillar 3 — Digital & Cyber Sovereignty

• Russia’s crackdown accelerates the creation of a BRICS-aligned digital infrastructure resistant to Western influence.

Pillar 4 — Multipolar Technology Ecosystems

• As Western platforms lose access to large markets, BRICS nations gain leverage to build independent standards across hardware, software, and data governance.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

Watcher.Guru – “BRICS Power Play: Russia Targets Google, Apple, Samsung Shutdown”
Reuters – “Russia Expands Crackdown on Foreign Tech as Digital Sovereignty Push Grows”

~~~~~~~~~~

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Tuesday Evening 11-18-25

Regulating The Informal Economy
 
Economic 11/18/2025  Abdul Zahra Muhammad Al-Hindawi   The informal economy,  or what some call the “shadow economy,” is of great importance,  even if it is not readily apparent,  because the picture of this economy is not accurately documented.
 
If we were to delve into the informal economy in Iraq,we would discover its profound influence on the national economy.  Estimates suggest it  accounts for nearly 60% of total economic activity,  making it a significant driver of development.

Even minimal regulation of this sector would lead to a tangible transformation in the Iraqi economy, impacting employment, revenue, and social development.
 
Some might ask: What Will Change If This Economy Is Formalized?
 
Job opportunities will remain the same, and the  sectors of activity won't differ much from the formal economy.
 
However, the truth is that formalization—if implemented correctly—  will lead to a qualitative shift in the economic and social landscape.
 
Informal workers will feel more secure and stable  because they will be under the    state's care and legal protection.
 
The regulations will also allow for the integration of hundreds of    small businesses,    home-based activities, and   unlicensed workshops   into the formal sector,   ensuring improved working conditions and   reduced economic vulnerability.
 
The reality of Iraq's informal economy encompasses thousands of small businesses operating from homes or workshops hidden from public view, as well as seasonal workers, construction workers, and street vendors who face significant economic hardship.
 
Their unregulated presence sometimes leads to service and security problems,  such as   traffic congestion,   difficulty accessing fire trucks,   illegal connections to the electricity grid, and      other daily issues.
 
From an economic perspective, the lack of regulation makes it difficult to accurately measure the volume of cash transactions or determine the number of workers, resulting in the    state losing a significant portion of potential tax revenue and     complicating economic planning.
 
Regulating the informal economy under the new laws will provide a genuine guarantee for millions of families living within its confines.
 
It will also contribute to building an accurate database to support government decisions in the areas of employment and social development.
 
We can learn valuable lessons from the experiences of many countries that have successfully transformed their shadow economies into organized and effective sectors  by providing a safe and secure environment. For those     working in it.
 
Hence, the first step towards the desired organization can be    through managing and organizing the work of street vendors, as  they are the most obvious manifestation of the informal economy, by establishing modern commercial complexes  or allocating specific places for them to conduct their business, and  providing facilities and small loans that help them develop their businesses.

It is also necessary to include seasonal workers and construction workers in the social security system and labor law, which promotes social justice and improves living conditions.
 
In return, those working in the informal economy should be reassured that     the government’s goal in the organization process is not to impose taxes,    but rather to   achieve economic and social stability and ensure the sustainability of their activities   within a  formal,    transparent and   stable environment.    https://alsabaah.iq/123703-.html 

Economists: The "Fingerprint" Initiative Is Driving Small Business Development.
 
Economic 11/19/2025   Baghdad: Hussein Thaghab   As part of a government policy aimed at    broadening economic participation and    boosting growth,  Prime Minister Mohammed Shia'a al-Sudani   launched the "Basma" initiative,   a national program focused on  empowering women and   granting them greater access to the labor market.
 
This will be achieved by providing   funding,    training, and   technical support   to women-led small and medium-sized enterprises (SMEs).
 
This step is part of a package of economic initiatives the government has begun implementing to develop the private sector and improve the business environment.
 
Economic expert Asaad Al-Rubaie explained that the  “Basma” initiative came as a     complement to a series of previous government initiatives,including the National Fund for Supporting Small and Medium Enterprises, the lending program launched by  the Central Bank of Iraq in cooperation with private banks,  as well as reconstruction and development programs    supported by the   International Fund for Agricultural Development, and the   programs of the Ministries of Youth and Labor.
 
Al-Rubaie pointed out that   the initiative was distinguished by its exclusive focus on women,    under the supervision of the Supreme Council for Women and    with direct follow-up from the Prime Minister,    in an attempt to address the weak participation of women in the private sector  as a result of     social customs and    traditional environments   that have limited their entry into fields of work dominated by men.
 
He added that “Basma” has given women opportunities to   launch productive projects that are appropriate to the    nature of their work and interests, including   food industries,  design,  sewing,   agriculture, and     nursery management, which are sectors capable of    creating new job opportunities and    reducing unemployment rates.
 
Al-Rubaie pointed out that the initiative contributed to  strengthening the free market economy and    supporting women-led households   by opening new income streams and achieving financial independence,  which positively impacts    family and social stability.
 
However, he explained that the initiative's success remained contingent on  engaging private sector experts   to provide technical and managerial expertise     that ensured the sustainability of the projects.
 
He emphasized that the absence of such expertise was a major reason for the limited success of previous initiatives, despite ample government support.

The Sudanese Prime Minister emphasized that "Basma"    was not conceived merely as a financing project, but as a comprehensive national program aimed at empowering women through extensive partnerships with national banks.
 
He explained that the program provided    accessible loans,    training platforms,    consulting services, and    technical support,   thus creating a national incubator for women's businesses.
 
For his part, financial expert Dr. Nabil Rahim explained that “Basma” presented a different model by  providing a comprehensive empowerment system that includes    training,   mentorship,   planning, and   follow-up,    making it more than just a funding platform.
 
He described the initiative as having transformed  “the tears of unemployed women into productive projects,” but stressed that its true success depended on the details of its implementation,    particularly the   loan terms and   consideration for vulnerable groups such as  widows and divorcees.
 
Rahim explained that the previous “Riyada” experience,in which women comprised only 27 percent of beneficiaries,revealed unforeseen obstacles, such as    procedural complexities, the    difficulty of securing suitable funding for women-led projects, and the    influence of traditional social norms.
 
He argued that addressing these challenges was essential to    ensuring the success of “Basma” and    achieving tangible economic results.
 
Rahim concluded by saying that the     path to women’s economic empowerment is still long, but “Basma” was the first step in a broader national strategy  that invests in women as active partners in development,  not as a category waiting for support.    https://alsabaah.iq/123775-.html   

The Center For Banking Studies Launches A Specialized Course On Financial And Administrative Corruption.
 
November 16, 2025  The Banking Studies Center announced the organization of a specialized training course entitled “Financial and Administrative Corruption: Basic Concepts”, during the period from November 16 to 19.
 
The course focuses on   clarifying the comprehensive concept of financial and administrative corruption,   reviewing the causes and factors leading to it, in addition to the   negative effects of corruption on   institutional performance and the   national economy.
 
The course also   covers the   legal framework and   national and international systems   for combating corruption, and   enables participants to distinguish between financial and administrative corruption,    which enhances the ability to    prevent and take appropriate action within institutions.
 
The course targets specialists in the financial and administrative fields,    to provide them with the latest knowledge and practical practices in the field of     combating corruption, which contributes to   raising the efficiency of institutional performance and   enhancing transparency and accountability.      https://cbi.iq/news/view/3046 

Apple Pay: A Step Towards Expanding The Umbrella Of Electronic Payments
 
Economic 16/11/2025  Baghdad: Hussein Thaghab    The Cabinet recently approved recommendations to move forward withactivating Apple Pay services in Iraq,as part of the government's efforts to    strengthen the digital infrastructure and     expand the reach of electronic payments in the country.
 
Apple Pay allows for easy payments using Apple devices and enables secure,  contactless purchases in stores, through apps, and online.
 
Experts believe it is a safer way to pay, as well as being very easy,  and is an important step towards the future of contactless payments.
 
Historical turning point
 
The economist, Asaad Al-Rubaie, explained that  the world is going through a historical turning point that is changing on several fronts.  There are different conflicts:    military,    social,    political,    geographical, and    economic.  

He pointed out that the economic conflict now is between the    American global payment system “SWIFT”,   which is globally dominant, and the    Russian SPFS financial transfer system, which has been joined by more than 177 institutions from 24 countries,  as well as the Chinese WeChat system,  which has reached the stage of cloud-based electronic money. 
 
Al-Rubaie added, in an interview with Al-Sabah, that this conflict is more important than all the current conflicts between the    United States and its allies and   China and Russia and their allies, explaining that the world is divided in two while Iraq still stands in the middle between   BRICS and the  Western bloc   with their financial tools such as    SWIFT,  Apple Pay,   Google Pay, and    PayPal...  Shaping the economy
 
He pointed out that   Iraq has been moving, for the past three years, towards what can be called the restructuring of the Iraqi economy,  whether through linking Iraq to global financial institutions  or creating a revolution in monetary policy  and moving Iraq towards    modernity and     financial, monetary and economic development.

He explained that the   use or activation of electronic payment tools adopted by the Iraqi government,  which led to an increase in the use of electronic transactions in Iraq from 5% to 50%,  will link Iraq to the global economy through its financial tools, which will    enhance e-commerce, encourage cross-border business and trade,   provide many job opportunities and   facilitate the purchase process for  the Iraqi citizen from any country in the world with the click of a button and without obstacles,  which will stimulate commercial activity and strengthen the local economy. 
 
Al-Rubaie called on the government to proceed along this path, noting the need to strike a balance with the BRICS organization andto hold the stick in the middle in the secret trade war between the    United States and     China.
 
Global revolution
 
In this context, financial and economic expert Dr. Nabil Rahim Al-Abadi considered   Iraq’s joining Apple Pay as an announcement of the   country joining the ranks of the global financial revolution, noting that the joining represents economic and digital dimensions. 
 
Al-Abadi explained to Al-Sabah that   joining will facilitate combating the informal economy,  which is estimated to be more than 40% of the gross domestic product in Iraq, noting that the  Central Bank’s estimates indicate that the volume of cash transactions  outside the banking system exceeds 25 trillion Iraqi dinars annually. 

He added that  Apple Pay will contribute to converting a large part of these transactions into documented digital ones, as every digital transaction means a step towards financial transparency and combating corruption,   indicating that the rate of financial inclusion in Iraq does not exceed 23% according to World Bank reports, and therefore the service will contribute to attracting more than 3 million young people to the banking sector during the first year.  
 
Official channels
 
Al-Abadi added that   the service will encourage citizens to link their savings to the official banking sector and direct funds towards official channels instead of illegal methods.
 
Although Al-Abadi acknowledged that the Iraqi e-commerce market is growing at a rate of 35% annually,  he noted that it suffers from weak secure payment systems for e-commerce stores, which reduce operating costs by 15-20%,  and also reduce the costs of dealing with cash (counting, transporting, storing), which cost the merchant 5-7% of his revenues.
 
Regarding the benefits that will accrue to the government, the financial and economic expert said that the government will benefit from an increase in tax revenues of 15-20% over 3 years through documenting transactions,  and it will lead to a reduction in the costs of printing and circulating money,  which amount to 500 billion dinars annually, in addition to helping in combating corruption by tracking the financial path of transactions.
 
Great benefits
 
Regarding the benefits that citizens will gain from the service, Al-Abadi explained  that it will save 2-3 hours per week that were wasted waiting in bank queues, reduce the costs of financial transfers by 60% compared to traditional methods, and increase financial security by 80% through biometric authentication technologies.
 
As for investors, it creates a more attractive business environment with the provision of advanced digital infrastructure, and achieves expected growth in the volume of e-commerce from $1.2 billion to $3 billion within two years,  which is a positive indicator of market trends and transparency. 
 
Al-Abadi reviewed what the service has achieved in a number of countries, explaining that it contributed in the Kingdom of Saudi Arabia to raising the rate of financial inclusion from 62% to 82% in 3 years, and  the entry of global payment systems in Egypt led to an increase in the  volume of e-commerce by 400% during 4 years. 

He stressed the need to develop the internet infrastructure    (current internet speed 6.5 Mbps vs global average 25 Mbps),    qualify the banking sector through training programs targeting 5,000 banking employees, and    increase digital awareness through awareness campaigns reaching 10 million citizens.
 
Al-Abadi, who mentioned at the end of his speech that the decision to join is    not the end of the road,    but the beginning of the road, stressed the importance of preparing for a wave of digital transformation that will affect all aspects of our economic lives, asking whether we are ready to deal with the future?    https://alsabaah.iq/123563-.html  

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