Seeds of Wisdom RV and Economics Updates Friday Morning 11-21-25

Good Morning Dinar Recaps,

Surging Long-Term Yields Tighten Global Credit Conditions

Longer-dated sovereign yields climb as rate-cut hopes fade, raising funding costs for governments and corporates.

Overview

• U.S. Treasury and global sovereign yields ticked higher after Fed minutes and mixed economic data showed less clarity on near-term rate cuts. 

• Japan’s long-dated yields have jumped to multi-year highs, adding stress to global fixed-income markets and swap curves. 

Key Developments

• Fed minutes signalled committee members remain split on the timing of cuts, prompting investors to reprice expectations and send yields up across the curve.

• Japan: 20– and 30-year yields reached the highest levels seen in years amid concerns over stimulus size and fiscal financing. 

Why it matters
Rising long-term yields increase the cost of borrowing for sovereigns and corporates, reduce liquidity for risk assets, and can accelerate balance-sheet stress in highly levered sectors — a key channel through which monetary policy and fiscal choices feed into the Global Reset.

Implications for the Global Reset

• Pillar: Finance — Liquidity & Credit: Higher yields compress margins for banks and increase rollover risk for governments leaning on debt markets.

• Pillar: Markets: Equity risk premia may widen if yields remain elevated and cut expectations slip.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Barron's – “U.S. Treasury yields edged higher after Fed minutes” 

• Yahoo Finance – “Japan's Yield Shock Threatens Global Markets” 

• Wall Street Journal – “Japan Bond Yields Rise as Likely Stimulus Package Sparks Fiscal Concerns” The Wall Street Journal

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Tech-Led Rally Reverses, Liquidity Strains Reappear

Volatility returns as AI optimism meets valuation and liquidity concerns.

Overview

• U.S. equities experienced a sharp intraday reversal after early gains driven by AI-sector strength; the S&P and Nasdaq closed materially lower on renewed risk-aversion. 

• VIX spiked and risk assets including crypto sold off as liquidity dried in the middle of the session.

Key Developments

• Nvidia earnings initially buoyed the sector but the rally faded, exposing limited market depth and sector concentration risk. 

• Macro datapoints (jobs and Fed signaling) left traders uncertain about the timing of rate cuts, intensifying flow reversals into safe havens. 

Why it matters
Rapid reversals amplify the feedback loop between asset prices, margin requirements, and liquidity providers — increasing the probability of disorderly moves that can transmit into funding markets and core credit, a core feature of the Global Reset dynamics.

Implications for the Global Reset

• Pillar: Markets — Liquidity & Structure: Higher volatility forces deleveraging, narrows bid-ask spreads, and punishes concentrated positions.

• Pillar: Finance: Market stress often presages tighter credit conditions and raises the cost of balance-sheet adjustment.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• MarketWatch – “Stocks see biggest intraday selloff since April…” 

• Financial Times – “US tech stocks slide as jolt of volatility hits Wall Street” 

• Reuters – “S&P 500, Nasdaq futures under pressure as tech selloff continues”  

~~~~~~~~~~

Central-Bank Gold Buying and Strategic Accumulation Continue

Reserve managers keep adding gold while national banks step up domestic gold operations.

Overview

• Major banks and research houses continue to flag ongoing central-bank accumulation of gold as a strategic reserve diversification trend. 

• Russia and other producers report increased central-bank activity in gold operations and domestic flows. 

Key Developments

• Goldman Sachs: research notes show central-bank purchases sustaining elevated demand and bullish price forecasts into 2026. 

• Russia’s central bank said gold-related operations are increasing, reinforcing the narrative of reserve diversification in emerging-market policy circles. 

• Price action: short-term moves show sensitivity to U.S. jobs and rate-cut expectations; this week gold traded with intraday swings tied to macro prints. 

Why it matters
Sustained central-bank accumulation compresses available above-ground supply for private buyers, inflates strategic asset prices, and signals a structural shift in reserve composition away from pure dollar liquidity — a foundational change for the Global Reset.

Implications for the Global Reset

• Pillar: Metals — Reserve Recomposition: Centrality of gold as a reserve asset strengthens alternatives to purely dollar-centric reserves.

• Pillar: Currency: As central banks diversify, coordinated currency strategies and settlement systems may accelerate.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Goldman Sachs sees continued central bank gold buying in November” 

• Reuters – “Russia's central bank says its operations with gold are increasing”

• Reuters – “Gold falls 1%, poised for weekly loss as US jobs data dims rate-cut hopes” 

~~~~~~~~~~

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Friday Morning 11-21-25

Inner Fortress  Learn About The "Secret Operations Room" That Monitors The Pulse Of The Iraqi Economy And Protects The Dinar From Fluctuations.
 
Economy / Special Reports Yesterday, | 629  Baghdad Today – Baghdad   While the domestic debate continues regarding the   exchange rate and the   future of the dinar, the      Central Bank of Iraq's recent statement      on the tasks of its Investment Department has  revealed another dimension to the monetary landscape—    one that is deeper, less visible, yet highly influential.

This department, which   manages foreign reserves and   balances global market risks,    is now described by economists as the   "silent backbone" of the Iraqi economy,        alongside oil, and the     foundation upon which     the most significant financial transformations   underway in the country are taking place.
 
Economic expert Nasser al-Tamimi confirmed to Baghdad Today that the department has transformed in recent years   from a traditional bureaucratic unit   into a true center of gravity,   preserving the stability of public finances and   defining the Central Bank's room for       maneuver in the foreign exchange market.
 
He told Baghdad Today that the   prudent management of foreign assets—from      government bonds to    gold,    deposits, and    low-risk instruments—   has enabled Iraq to    weather the waves of global market turmoil and    mitigated the impact on the dinar and the      country's financial balance.
 
The Central Bank's technical statement, while   employing specialized language regarding      balances,      transfers, and    investment plans, nonetheless    attracted the attention of international experts    who analyzed its implicit messages.
 
Bankers point out that the Central Bank's explicit declaration that the   department's activities aim to stabilize the exchange rate      does not necessarily mean an immediate appreciation of the dinar.
 
However, it is a strong indication that   preparations for a stable monetary reform have effectively begun.
 
These experts believe the Central Bank is waiting for the "safest moment" to take any significant steps, given the extreme sensitivity of the Iraqi market.
 
Any adjustment to the exchange rate system—   whether an appreciation or a restructuring—   requires a robust structure capable of absorbing shocks.
 
At the heart of this shift, two phrases in the Central Bank's statement caught the attention of experts:
   "operational continuity" and   "risks associated with oil revenue currencies."
 
These are phrases typically used in international contexts related to   deep monetary reforms and   preparing for potential fluctuations      that may accompany opening up to global markets.
 
Specialists interpret this as part of   restructuring Iraq's financial sector infrastructure      in line with IMF recommendations, the      requirements for joining the World Trade Organization, and      gradual integration into the global financial system.
 
However, the most sensitive transformation   is not limited to the investment sector alone,   but encompasses an entire system being developed in parallel.
 
Starting Saturday (November 22),   all cross-border payments in Iraq       will transition to the ISO 20022 standard,         the system adopted by the most advanced economies.

Furthermore, all banks in Iraq have been mandated to finalize their capital plans according to the ICAAP model and undergo rigorous stress tests to demonstrate their ability to withstand   exchange rate fluctuations of up to 30%, a   collapse in oil prices, or a   sudden run on deposits,      while maintaining their solvency.
 
Economists believe these two steps are not merely technical updates,but rather represent—quite literally—the   final two key conditions that the      International Monetary Fund, the    US Treasury Department, the    Bank for International Settlements, and     major correspondent banks in New York and London stipulated must be met    before Iraq could fully participate in the     international foreign exchange market.
 
They emphasize that the fundamental problem with the dinar today   is not its market value,   but rather that Iraq remains "blocked" from the global exchange market, and that      adopting Basel III-ICAAP and ISO 20022 standards is what   will pave the way for gradually lifting this blockade.
 
Analyses indicate that the Iraqi dinar remains   trapped in a restricted market,   unable to be traded in large quantities      except through the daily dollar auction.
 
Furthermore, prior to adhering to the new standards,   local banks appeared structurally unstable to international banks, and   their payment channels relied on outdated SWIFT systems dating back three decades,      placing them under suspicion of money laundering.
 
Now, with banks required to disclose their actual capacity to absorb shocks, the pretext that prevented major international dealers from dealing directly in dinars is diminishing.
 
In this context, experts believe that Iraq is nearing the end of the "forced peg" of its exchange rate, which effectively began in October 2021 when it was announced that   "the rate will remain fixed until 2025."
 
With this date approaching and the  technical requirements for monetary reform being finalized,   some believe that Iraq may be entering a new phase      that might not be a direct revaluation of the dinar,         but which will at least pave the way for a more            stable and            transparent exchange market.  

Al-Tamimi concludes by saying,  “Oil provides the funds, but it is   the investment department that ensures those funds are not lost to market fluctuations.”

He adds that   the next phase may witness an expansion of the department’s role in regulating monetary policy, and that the  strength of reserves and the   stability of the banking sector   will be the most decisive factors in the future of the dinar.    https://baghdadtoday.news/287495-.html   

 The Central Bank Issues A Series Of Instructions To Banks To Improve Services And Prevent The Collection Of Illegal Commissions.
 
November 20, 2025   Baghdad/Iraq Observer  The Central Bank of Iraq issued new directives today   to banks operating in the country,   including a package of mandatory measures aimed at   enhancing the quality of banking services and   protecting the rights of the public.

First – Improving The Level Of Service:
 
The Central Bank stressed the need for banks to   adhere to customer service standards,   provide a suitable professional environment within branches, and   expedite transactions without delay.
 
It emphasized the importance of assigning qualified staff to   deal directly with customers and   activating systems for receiving and processing complaints within specific      timeframes.
 
Second – Prohibiting The Collection Of Commissions Not Stipulated:
 
The bank prohibited the collection of any unauthorized fees or charges, including   commissions on cash deposits or other transactions,      unless listed in the approved commission schedules.
 
It deemed the collection of any amount outside these regulations a clear violation warranting legal action.
 
Third – Simplifying Account Opening:
 
The Central Bank directed banks to adhere to   account opening regulations and   due diligence procedures      without requesting additional documents beyond the official requirements.
 
It emphasized that any unjustified complications would be   considered a disruption to banking operations and would be   addressed according to applicable laws.
 
Fourth – Commitment To Accepting Small Denominations Of Currency:
 
The bank mandated that all bank branches deal with small denominations of currency
   as valid legal tender, and considered   refusal to accept them a serious violation that warrants accountability.
 
The Central Bank indicated that its inspection teams will   conduct surprise field visits to verify compliance with these instructions,    and will take strict measures against banks that violate them,      considering this a breach of         banking discipline and the         rights of customers.    https://observeriraq.net/المركزي-يوجّه-المصارف-بجملة-تعليمات-ل/    
  

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

“Tidbits From TNT” Friday Morning 11-21-2025

TNT:

Tishwash:  Learn about the "secret operations room" that monitors the pulse of the Iraqi economy and protects the dinar from fluctuations.

 While the domestic debate continues regarding the exchange rate and the future of the dinar, the Central Bank of Iraq's recent statement on the tasks of its Investment Department has revealed another dimension to the monetary landscape—one that is deeper, less visible, yet highly influential.

This department, which manages foreign reserves and balances global market risks, is now described by economists as the "silent backbone" of the Iraqi economy, alongside oil, and the foundation upon which the most significant financial transformations underway in the country are taking place.

Economic expert Nasser al-Tamimi confirmed to Baghdad Today that the department has transformed in recent years from a traditional bureaucratic unit into a true center of gravity, preserving the stability of public finances and defining the Central Bank's room for maneuver in the foreign exchange market. He told Baghdad Today that the prudent management of foreign assets—from government bonds to gold, deposits, and low-risk instruments—has enabled Iraq to weather the waves of global market turmoil and mitigated the impact on the dinar and the country's financial balance.

The Central Bank's technical statement, while employing specialized language regarding balances, transfers, and investment plans, nonetheless attracted the attention of international experts who analyzed its implicit messages. Bankers point out that the Central Bank's explicit declaration that the department's activities aim to stabilize the exchange rate does not necessarily mean an immediate appreciation of the dinar.

However, it is a strong indication that preparations for a stable monetary reform have effectively begun. These experts believe the Central Bank is waiting for the "safest moment" to take any significant steps, given the extreme sensitivity of the Iraqi market.

Any adjustment to the exchange rate system—whether an appreciation or a restructuring—requires a robust structure capable of absorbing shocks.

At the heart of this shift, two phrases in the Central Bank's statement caught the attention of experts: "operational continuity" and "risks associated with oil revenue currencies."

These are phrases typically used in international contexts related to deep monetary reforms and preparing for potential fluctuations that may accompany opening up to global markets.

 Specialists interpret this as part of restructuring Iraq's financial sector infrastructure in line with IMF recommendations, the requirements for joining the World Trade Organization, and gradual integration into the global financial system.

However, the most sensitive transformation is not limited to the investment sector alone, but encompasses an entire system being developed in parallel.

 Starting Saturday (November 22), all cross-border payments in Iraq will transition to the ISO 20022 standard, the system adopted by the most advanced economies. Furthermore, all banks in Iraq have been mandated to finalize their capital plans according to the ICAAP model and undergo rigorous stress tests to demonstrate their ability to withstand exchange rate fluctuations of up to 30%, a collapse in oil prices, or a sudden run on deposits, while maintaining their solvency.

Economists believe these two steps are not merely technical updates, but rather represent—quite literally—the final two key conditions that the International Monetary Fund, the US Treasury Department, the Bank for International Settlements, and major correspondent banks in New York and London stipulated must be met before Iraq could fully participate in the international foreign exchange market.

They emphasize that the fundamental problem with the dinar today is not its market value, but rather that Iraq remains "blocked" from the global exchange market, and that adopting Basel III-ICAAP and ISO 20022 standards is what will pave the way for gradually lifting this blockade.

Analyses indicate that the Iraqi dinar remains trapped in a restricted market, unable to be traded in large quantities except through the daily dollar auction. Furthermore, prior to adhering to the new standards, local banks appeared structurally unstable to international banks, and their payment channels relied on outdated SWIFT systems dating back three decades, placing them under suspicion of money laundering.

Now, with banks required to disclose their actual capacity to absorb shocks, the pretext that prevented major international dealers from dealing directly in dinars is diminishing.

In this context, experts believe that Iraq is nearing the end of the "forced peg" of its exchange rate, which effectively began in October 2021 when it was announced that "the rate will remain fixed until 2025."

With this date approaching and the technical requirements for monetary reform being finalized, some believe that Iraq may be entering a new phase that might not be a direct revaluation of the dinar, but which will at least pave the way for a more stable and transparent exchange market.

Al-Tamimi concludes by saying, “Oil provides the funds, but it is the investment department that ensures those funds are not lost to market fluctuations.”

He adds that the next phase may witness an expansion of the department’s role in regulating monetary policy, and that the strength of reserves and the stability of the banking sector will be the most decisive factors in the future of the dinar. link

Tishwash:  A highly anticipated US visit and Savaya's appearance at the Pentagon send strong messages about a "completely different phase" in Iraq.

What does Washington have up its sleeve?

Baghdad is preparing to receive a high-level American delegation in the coming days, at a time that suggests Washington has decided to move from a phase of quiet observation to one of targeted intervention, coinciding with the redrawing of the power map after the elections.

The visit comes as the controversy surrounding the surprise appearance of US Special Envoy Mark Savaya at the Pentagon has yet to subside, less than four hours after the same coordinating body announced its formation as the "largest bloc"—a move widely interpreted as a direct political message rather than a routine meeting.

Political sources confirmed to Baghdad Today that the American delegation's visit is not merely a protocol visit, but rather carries a clear position regarding the formation of the next government. Washington wants a stable and effective government that does not reflect parallel power structures.

 The US administration believes its political and economic support is contingent on Baghdad's ability to establish a governing framework that prevents armed groups from influencing executive decisions and ensures that the instruments of power remain solely in the hands of state institutions.

Behind these messages lies the issue of uncontrolled weapons, a central focus of the American approach. Washington believes the incoming government will face a direct test regarding the role of factions within the political process, the nature of their participation in governance, and the limits of their security influence.

Diplomatic sources believe the United States wants clear commitments before fully recognizing the new government and may escalate pressure if it perceives the political equation as shifting toward a factional government with significant parliamentary influence.

The economic dimensions are equally, and perhaps even more, present than they appear on the surface. The US administration is preparing to revive major projects such as investment in Baghdad International Airport, which has returned to the forefront as a strategic project no less important than oil and energy.

There is talk within US circles of a desire to develop the airport through operational and investment partnerships that would provide it with an advanced operational infrastructure and connect it to a broader network of commercial air transport. There is also a push to expand US investment in oil and gas fields and to develop the energy, transportation, and port sectors, as these are considered key to long-term economic stability in Iraq.

The appearance of Savaya within the Pentagon has given these files an added dimension. International relations expert Hussein al-Asaad, speaking to Baghdad Today, believes that placing the Iraqi file on the desk of the Secretary of Defense, rather than the State Department, reflects a shift in Iraq's focus from diplomatic discussions to direct U.S. national security concerns.

Al-Asaad explains this shift as a result of growing anxiety in Washington regarding the future of foreign forces, the activities of armed factions, threats related to regional conflict, and the nature of the next government and the potential changes it might bring to the balance of power.

Al-Asaad points out that Savaya, with his economic background, represents a bridge between the security and investment sectors, making his presence at the Department of Defense a sign that Washington is now dealing with the Iraqi file as a complex issue that combines security, politics, and economics. From this perspective, the United States' aspiration to restructure its economic presence in Iraq is no longer separate from its security vision, but rather complements it.

As for the timing, diplomatic sources confirmed to Baghdad Today that publishing photos of the meeting just hours after the announcement of the "largest bloc" coordination framework was not a spontaneous move. According to these sources, Washington wanted to send a clear signal to the political forces that the formation of the next government would be under direct scrutiny, and that the United States would not be lenient with any political formula that weakens the state or opens the door to unchecked influence.

Observers believe that Iraq finds itself at a critical juncture with multifaceted dimensions. Political forces are moving towards forming a government that, thus far, appears to lean heavily towards the influence of armed factions. Washington is intensifying its messaging through the anticipated visit and the movements of the Savaya delegation. Economic issues are resurfacing strongly, from the airport to the oil fields to energy projects. And the regional environment is exerting significant pressure on the shape of future policies in Baghdad.

Between these overlapping circles, the next phase appears governed by a delicate equation: no governmental stability without calming the security situation, no international support without a clear economic vision, and no internal balance without redefining the boundaries of political and military influence. At the heart of this equation, the United States stands closer than ever to the government formation process, at a moment when the first outlines of the coming years are being drawn.   link

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

Tishwash: Kurdistan Finance Ministry: Salaries of those not registered in the "My Account" project will be suspended at the end of this year.

The Ministry of Finance and Economy of the Kurdistan Regional Government announced on Thursday that the salaries of civilian and military employees who have not registered themselves in the "My Account" project will be suspended based on a decision by the Federal Ministry of Finance.

The ministry said in a statement seen by “Al-Eqtisad News” that all employees, security affiliates and beneficiary families who have not yet filled out the “My Account” project form will have their salaries suspended when the September salary is disbursed until the form is completed.

She noted that families whose bank card procedures have been completed but who have not yet received their cards must visit the banks to receive them, indicating that the October salary will be disbursed exclusively through the "My Account" project.

 The Ministry of Finance confirmed that about 90% of the employees of the Kurdistan Region, both civilian and military, in addition to those receiving salaries, have completed the registration process, while some of them are still not registered.

She explained that, according to the decision of the Federal Ministry of Finance, any employee or beneficiary in the region who does not have a bank account and does not register in the “My Account” project by the end of this year will have their salaries suspended from Baghdad and will not be disbursed in the region.

She pointed out that the disbursement of salaries after the beginning of next year will not be in cash at all, and that anyone who causes a delay in the registration procedures will bear the legal and administrative responsibility  link

Mot:  Why Do You Do That!!!??? 

Mot:  Real Life is Getting Stranger every Day  

FRANK26….11-20-25……12-1-25

KTFA

Thursday Night Video

FRANK26….11-20-25……12-1-25

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

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

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

https://www.youtube.com/watch?v=xPi7dvNr2OU

Iraq Economic News and Points To Ponder Thursday Afternoon 11-20-25

The Prime Minister Directs The Shift Towards Electronic Payment For Electricity Bills

Thursday, November 20, 2025 | Economy Number of views: 383   Baghdad/ NINA /Prime Minister Mohammed Shia al-Sudani directed the Ministry of Electricity to transition to electronic payment for electricity bills, particularly for high loads and commercial, industrial, and agricultural sectors supplied with electricity.

The Prime Minister's Media Office stated in a press release: "Al-Sudani chaired a meeting today, Thursday, to follow up on the electricity billing file, in the presence of the Minister of Electricity, the Head of the Board of Advisors, senior staff from the Ministry of Electricity, and a number of officials concerned with this file."

The statement added: "During the meeting, the current distribution plan and a roadmap for resolving bottlenecks were discussed, along with a report on the plan to reduce energy losses and waste, aiming to reach a 40% reduction in current losses and to take deterrent legal measures regarding losses in certain areas."

The meeting also discussed calculating the value of supplied energy and the energy metered, comparing them to the actual collection amount, and conducting a general review of electronic billing over the past two months across the country, measuring the extent of the increase achieved.  https://ninanews.com/Website/News/Details?key=1262925

Iraq Enters The Era Of "Digital Maturity"... Huge Leaps In The Use Of The Internet And Social Media

Money and Business  Economy News - Follow-up   Iraq is witnessing a significant acceleration in the use of digital technology in its various forms and methods, coinciding with the entry of thousands of international companies into the Iraqi market. This surge in digital consumption is attributed to what could be considered excessive usage.

According to official figures released by global digital companies, most notably We Are Social, this trend is occurring amidst warnings about the continued escalation of reliance on rapidly advancing technologies and their increasing dominance over the lives of Iraqi citizens, despite the positive aspects of the current digital maturity.

The latest digital data released for October 2025 revealed radical shifts in the Iraqi technological landscape, with the country recording record jumps in internet and smartphone usage rates, a clear indication that Iraq is entering a phase of accelerated "digital maturity".

A report issued by We Are Social, which highlights the adoption of connected services, showed that Iraq is witnessing an unprecedented phenomenon in the use of social media, which grew by a tremendous 17% in just one year, with the number of digital identities exceeding 40 million.

In detailing the figures, the report explained that the number of mobile phone subscriptions in Iraq has exceeded the actual population, reaching 50.8 million subscriptions, in a country with a population of 47.3 million people, and with a penetration rate of 108% of the total population, the concept is established that the Iraqi citizen depends entirely on the mobile phone as a main gateway to the world, with the phenomenon of an individual owning more than one SIM card being widespread.

These figures come in conjunction with the rise in the country’s urbanization rate to 72.2%, which has facilitated the deployment of communications infrastructure in cities and densely populated areas.

The internet is no longer a luxury in Iraq, but a necessity for daily life. The report indicated that 39.6 million Iraqis use the internet, which is equivalent to 83.8% of the population. This widespread use, which grew by 4.7% compared to last year, practically means the disappearance of the “digital divide” that the country suffered from in previous decades, paving the way for distance education services and digital work.

The most controversial and interesting figure in the 2025 report is the "rocketing" increase in the number of social media users, with 5.8 million new users joining these platforms in the last 12 months alone.

Ali Nouri, a researcher and specialist in digital media, believes that “the number of social media accounts exceeding (40.1 million) the number of actual internet users reflects a deep division of Iraqi society in the virtual space, and the multiplicity of accounts for one individual across different platforms, which makes these platforms the new ‘public arena’ for Iraqis.”

Nouri affirms: “This new digital landscape opens the door for the business sector; the data clearly indicates that the Iraqi market is fully ready for a revolution in e-commerce and financial technology (FinTech), and with a user base of this size, companies that do not have a clear digital strategy will find themselves out of the competition.”

He continues, "These figures place the Iraqi government before urgent obligations, most notably the need to move from the traditional e-government to a 'smart government' that provides its services through mobile phone applications to suit the behavior of citizens, in addition to the urgent need for strict legislation related to cybersecurity to protect the data of millions of new users."   https://economy-news.net/content.php?id=62508

The Iraqi Stock Market Saw Its Name Traded With A Financial Value Exceeding 8 Billion Dinars In A Week

Stock Exchange  Economy News – Baghdad   The Iraq Stock Exchange announced on Thursday that its shares were traded with a financial value of more than 8 billion dinars during the five trading sessions held this week, which is nearing its end.

According to market indicators, the number of shares traded during this week exceeded 30 billion shares, with a value of more than 8 billion dinars.

The ISX60 market trading index closed the first session of the week at (957.96) points, while the index closed at the end of the week at (964.96) points, thus achieving an increase of (0.73%) compared to its closing at the beginning of the session.

The ISX15 market trading index closed the first session of the week at (1181.26) points, while the index closed at the end of the week at (1191.65) points, thus achieving an increase of (0.87%) compared to its closing at the beginning of the session.

During the week, (4719) buy and sell contracts were executed on shares of companies listed on the market.
https://economy-news.net/content.php?id=62510

Worth One Billion Dinars, Al-Rafidain Bank Raises The 39th Installment Of The Leadership And Excellence Initiative.

banks   Economy News – Baghdad   Rafidain Bank announced today, Thursday, the release of the thirty-ninth installment of the Leadership and Excellence Initiative dedicated to supporting small and medium enterprises, with a total funding of 1 billion Iraqi dinars distributed across 91 projects.

The bank’s media office said in a statement received by “Al-Eqtisad News” that the release of this batch comes as a continuation of efforts to finance entrepreneurs and youth within the Central Bank of Iraq’s initiative aimed at revitalizing the labor market and supporting productive projects.

The statement added that the number of loans funded since the launch of the initiative until now has reached 4,040, while the total value of the amounts granted has reached 52.941 billion Iraqi dinars, which reflects - according to the bank - its commitment to supporting entrepreneurial projects and enhancing their role in driving the national economy and enabling young people to establish sustainable projects.  https://economy-news.net/content.php?id=62513

Dollar Exchange Rates Fall In Baghdad

Stock Exchange  Economy News – Baghdad  The exchange rate of the US dollar against the Iraqi dinar fell this morning, Thursday, in the markets of the capital, Baghdad.

The dollar exchange rate witnessed a decline in the two main exchanges in Al-Kifah and Al-Harithiya in Baghdad, recording 141,150 dinars for every 100 dollars, after it reached 141,300 dinars for 100 dollars on Wednesday.

Selling prices in exchange shops in the local markets of Baghdad recorded a decrease, with the selling price reaching 142,000 dinars for 100 dollars, while the buying price recorded 140,000 dinars for 100 dollars.
https://economy-news.net/content.php?id=62494

Gold Prices Fall Due To The Strength Of The Dollar

Economy | 09:33 - 20/11/2025   Mawazin News - Follow-up:  Gold prices edged lower under pressure from a stronger dollar and receding expectations of a Federal Reserve interest rate cut in December.

Spot gold fell 0.1% to $4,077.13 per ounce by 03:05 GMT, while U.S. gold futures for December delivery declined 0.2% to $4,075.80 per ounce.

The dollar rose to its highest level in more than two weeks against its rivals, making gold more expensive for holders of other currencies.

Traders estimate a 33% chance of an interest rate cut at the Fed's December 9-10 meeting. Non-yielding gold tends to perform better in low interest rate environments and times of economic uncertainty.

Attention is now focused on the U.S. non-farm payrolls report for September, due later today after being postponed due to the recent U.S. government shutdown, which is expected to provide further clues about the Fed's policy path.

In other precious metals, silver rose 0.2% to $51.44 an ounce in spot trading, platinum climbed 0.9% to $1,559.54, while palladium added 1.1% to $1,395.37.   https://www.mawazin.net/Details.aspx?jimare=270530

Oil Prices Rise To $63.72 Per Barrel

economy | 08:42 - 20/11/2025   Oil prices rose slightly, recovering  from losses in the previous session, as markets assessed the latest US proposals to end the war in Ukraine and braced for a US deadline to wind down operations with two major Russian oil companies.

Brent crude futures rose 21 cents, or 0.33%, to $63.72 a barrel by 01:42 GMT, while US West Texas Intermediate crude futures rose 24 cents, or 0.40%, to $59.68.

As part of US efforts to end the long-running conflict, Washington imposed sanctions on Rosneft and Okoil, Russia's largest oil producers and exporters, with a November 21 deadline for them to close operations.

Rosneft has reduced its stake in the Kurdistan Pipeline Company of Iraq, a major oil exporter, to less than 50% in an effort to shield the oil export subsidiary from US sanctions.

Tony Sycamore, a market analyst at IG, said in a note: "We maintain a bullish bias on crude oil as long as it remains above its year-to-date low of around $55.00."   https://www.mawazin.net/Details.aspx?jimare=270527

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

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

3 Ways To Overcome Fear of Spending in Retirement, According to a Financial Expert

T. Woods    GOBankingRates

James Canole is the founder of the financial advice website Root Financial Partners, and is a CFP professional/financial advisor whose podcast, “Ready for Retirement,” helps guide people toward a comfortable and prosperous nest egg for their retirement years.

On a recent episode of his podcast series, Canole spoke to a retiree facing a fundamental challenge: how to comfortably spend money in your retirement.

Canole introduced his guest, “Ben,” as a man who “saved aggressively” so that he could retire at the age of 53. However, while Ben is enjoying his retirement, he’s found it incredibly difficult to spend money on certain things.

Growing up with a single mom, Ben came to appreciate what “a very important channel for us” money was, and how much he needed to value and appreciate it. As he became older, and aggressively saved in order to build a portfolio upon which he could retire early, his value of money only increased.

As such, Ben has found that the major issue for his retirement has been the struggle to give himself permission to spend the money that he saved and earned. “I hate to say that I’m denying myself,” he lamented, “but I oftentimes feel that that’s the case right now.”

Making the transition from “a saving to a spending mindset” was a problem he never anticipated, but it is one he has had to confront now, to the point that his retirement spending actually continues to decrease. Through Ben’s discussion with Canole, however, the two worked out ways to overcome the fear of spending and allow Ben to enjoy his golden years.

Give Yourself Permission To Spend

You’ve worked hard for your retirement, and you’ve planned ahead. This is the moment you’ve been saving for. If you don’t spend on yourself now, when will you?

Commit to a Spending Decision

Once you book a vacation, or plan a big purchase, stick to it. Ben noted that he booked an expensive vacation for he and his family, and “once I made the decision, then I didn’t regret it at all and I kept thinking that I purposely set up those funds at the beginning of the year so I could do things like that.”

TO READ MORE:  https://finance.yahoo.com/news/3-ways-overcome-fear-spending-120021438.html

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

We’re at EXACT Level That Triggered Every 40% Crash in History – AI Stocks & Bitcoin to Collapse!

Danoela Cambone :  11-19-2025

In today’s volatile financial landscape, separating genuine market signals from speculative noise is the ultimate challenge. Few analysts are as dedicated to this task as Gareth Soloway, who recently joined Daniela Cambone on ITM Trading for a sweeping, data-driven market analysis.

Soloway, known for his rigorous technical approach, delivered a stark warning across multiple asset classes: while the long-term outlook remains profoundly bullish for key assets like Bitcoin and gold, investors must brace for significant near-term technical corrections. This is the time for prudence, not panic, built on the pillars of diversification and strategic positioning.

For those celebrating Bitcoin’s recent highs, Soloway offers a necessary dose of technical reality. While he maintains a deeply bullish long-term stance on BTC, his analysis points to significant near-term risk based on historical chart patterns.

Soloway identifies key support levels for Bitcoin between $73,000 and $75,000. He anticipates that after a potential immediate dip, Bitcoin could see a substantial technical bounce, potentially pushing toward the $100,000 psychological mark.

The Warning: This upward move is likely a head-f**e. Soloway projects that following that bounce, Bitcoin is technically poised for a deeper correction—a critical piece of analysis often overlooked by media hype.

The enthusiasm surrounding Ethereum and various altcoins (like Solana) is palpable, but Soloway advises extreme caution. While these assets offer enticing swing trading opportunities, the rapid pace of technological evolution and competition introduces systemic risk. In a market correction, these more speculative assets tend to suffer the swiftest and deepest declines.

Soloway’s technical indicators suggest that traditional tangible assets are setting up for monumental rallies, but only after a necessary seasonal pullback.

Gold has shown remarkable strength, but Soloway notes that current market conditions mirror historical patterns that precede major moves.

He forecasts a short-term retracement for gold, pulling the price back down to the $3,500–$3,600 range. Crucially, this is presented not as a collapse, but as the final staging ground for a much larger rally. Soloway projects that by 2026, gold could potentially soar to $5,000 per ounce, reinforcing its role as the premier store of value.

Perhaps the most compelling opportunity lies in the often-overlooked rare metals. Soloway identifies platinum and palladium as significantly undervalued. Given their scarcity and industrial utility, he suggests they possess substantial upside potential, positioning them as alternative hedges alongside gold and Bitcoin against currency degradation.

Silver is following a similar script, showing strong upward momentum but needing to clear a critical technical hurdle. Soloway expects silver to briefly pull back to around $40 per ounce before resuming its powerful upward trajectory.

Soloway’s most pressing warning is directed squarely at the euphoric equity markets, particularly the technology sector fueled by the AI boom.

He argues that the current valuations in key tech areas are divorced from technical and fundamental reality. Specifically focusing on the semiconductor sector (tracked by the SMH ETF), Soloway projects a significant correction.

Soloway forecasts a 40% correction in semiconductors based on the current historical deviation from the 200-week moving average—a key technical benchmark for long-term health.

Soloway stresses that the euphoria driving the tech sector reflects excessive optimism that historically precedes sharp and painful downturns.

The overarching lesson from Soloway’s comprehensive analysis is unambiguous: diversification is not merely wise; it is essential financial defense.

In an environment where governmental scrutiny on digital assets is increasing, and systemic risks—including potential US dollar devaluation and expanding cyber threats—are intensifying, holding a diverse portfolio is paramount.

Soloway concludes by underscoring the enduring value of physical assets like gold and silver. In an age dominated by digital threats and fragile financial systems, these tangible holdings serve as the ultimate insurance policy against the unknown.

Staying ahead means understanding where the hype ends and the technical realities begin. Soloway’s data-driven outlook provides a crucial roadmap for investors seeking to protect and grow their capital through the inevitable market corrections ahead.

https://www.youtube.com/watch?v=Pn2xkAaUkho

Ariel: We were Not Supposed to Benefit from the Iraqi Dinar

Ariel: We were Not Supposed to Benefit from the Iraqi Dinar

11-19-2025

Why You Should Feel Fortunate: We Were Not Supposed To Benefit (Iraqi Dinar)

The IQD was never for the masses but forged as a private cabal conduit for the banking bloodlines, now tokenized on XRPL rails alongside XRP and XLM to bridge ancient wealth into ISO20022 quantum ledgers

Insider intercepts reveal Iraq’s “repatriated” Sadaam-era gold stash unrecorded 500+ tons buried in Babylonian vaults powers this silent RV, with Najaf summit pacts binding the dinar to BRICS gold-backed resets, rendering every held note a dormant behemoth in value.

In the shadowed vaults of 1932, when the Iraqi Dinar emerged from the ashes of Ottoman collapse under British mandate engineering, it was never birthed for the masses but as a precision instrument in the hands of the veiled architect families the Rothschilds, Rockefellers, and their interlocking kinships who threaded it into the Bretton Woods scaffold as a latent wealth reservoir.

Artificially pegged at 1 IQD to 4.86 USD through fiat illusions sustained by Sadaam Hussein’s iron- controls, amassing untraceable hoards of 500+ tons of Babylonian-sourced gold (buried in Najaf’s subterranean crypts, cross-verified via seismic anomalies in 2004 intercepts) that funneled petrodollar tributes back to London and New York clearinghouses, where each dinar note served as a tokenized proxy for off-ledger bloodline transfers, evading the Basel accords’ gaze while inflating colonial-era debts onto emerging nations.

This was no mere currency but a chimeric ledger, its value suppressed post-1990 sanctions not by war’s chaos but by deliberate de-pegging orchestrated through Coalition Provisional Authority edicts in 2003, which swapped “Swiss dinars” (elite-held, 1:1 parity relics) for “Sadaam dinars” diluted 1,000:1, ensuring the masses clutched worthless paper while the families’ vaults swelled with the real arbitrage trillions in phantom liquidity siphoned via black-market spreads that widened to 20% premiums

A engineered bleed that kept the dinar as their private guillotine, chopping sovereignty into compliant fragments for BRICS-adjacent oil barons and IMF puppeteers alike.

Read Full Article:   https://www.patreon.com/posts/why-you-should-143966589

https://dinarchronicles.com/2025/11/19/ariel-prolotario1-we-were-not-supposed-to-benefit-from-the-iraqi-dinar/

Seeds of Wisdom RV and Economics Updates Thursday Afternoon 11-20-25

Good Afternoon Dinar Recaps,

Metals Signal Early Stress as Demand Softens and Supply Controls Tighten

Industrial commodities reveal underlying strain in global manufacturing and trade.

Overview

• Base metals drifted lower this week, reflecting cautious sentiment and uncertainty around delayed U.S. economic data.

• The European Union announced plans to restrict aluminum scrap exports, moving toward tighter resource management.

• Commodity traders are increasingly pricing geopolitical and macro risk, not just supply-and-demand fundamentals.

• Industrial metals continue to serve as early indicators of shifts in global manufacturing momentum.

Key Developments

• Softening demand pressures copper and aluminum, particularly in regions tied to construction, tech, and power infrastructure.

• The EU’s export restrictions indicate a strategic move, prioritizing domestic processing capacity and supply-chain security.

• Traders are shifting toward defensive positions, awaiting clearer economic signals from the U.S.

• Real assets, including metals, are now moving in sync with global liquidity and currency conditions.

Why It Matters
Metals sit at the foundation of industrial power. Shifts in production flows, export rules, and demand patterns indicate that the real-economy side of the reset is accelerating.

Implications for the Global Reset

• Pillar – Commodity & Supply-Chain Reordering: Nations are beginning to lock down critical materials, anticipating deeper strategic competition.

• Pillar – Real-Asset Revaluation: Metals markets are entering a repricing phase tied to inflation, industrial demand, and geopolitical leverage.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• SkillFarm – “Metals Drift Lower as Markets Await U.S. Data”

• Morningstar – “EU Plans to Curb Aluminum Scrap Exports Next Year”

~~~~~~~~~~

Dollar Strengthens as Yen Weakens, Signaling a New Currency Crossroads

Global currency markets tighten as rising yields and fiscal pressures reshape FX dynamics.

Overview

• The U.S. dollar rose sharply this week, supported by rising yields and risk-off positioning.

• The Japanese yen slid toward multi-decade lows, raising speculation about potential intervention.

• Currency markets are reacting to policy uncertainty, data delays, and fiscal stress across major economies.

• BRICS de-dollarization efforts remain in the background, but structural pressures are steadily building.

Key Developments

• Dollar strength reflects renewed safe-haven demand, as tighter financial conditions ripple across markets.

• Yen weakness raises alarm, especially as Japan balances rising yields, fiscal expansion, and inflation management.

• Traders are bracing for potential coordinated action, especially if yen volatility intensifies.

• Long-term de-dollarization remains a systemic theme, even as the dollar asserts short-term dominance.

Why It Matters
Currency fluctuations now influence debt markets, trade balances, and geopolitical decisions. FX volatility is becoming a core mechanism in the emerging global reset.

Implications for the Global Reset

• Pillar – Currency Realignment: Market-driven FX moves are pushing nations toward new reserve strategies and intervention frameworks.

• Pillar – Monetary System Transition: The clash between short-term dollar strength and long-term de-dollarization highlights the structural shift underway.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Investopedia – “Markets Update: Dollar Strengthens as Yields Rise”

• Reuters – “Global Markets View: Yen Weakness Sparks Intervention Talk”

• Investing News – “BRICS Currency Developments”

~~~~~~~~~~

Saudi’s $1T U-Turn: Turning Away from BRICS, Building With the U.S.

Mohammed bin Salman boosts pledge to nearly $1 trillion in U.S., signaling a major pivot.

Overview

• Saudi Crown Prince Mohammed bin Salman (MBS) announced in Washington that the Kingdom will raise its U.S. investment plan from $600 billion to nearly $1 trillion. 

• This comes during a White House visit, where MBS and U.S. President Donald Trump reiterated strategic deals in technology, AI, and critical minerals (“magnets”). 

• The scale of this pledge weakens BRICS’ attempt to court Saudi Arabia as a major new financial partner.

• Saudi Arabia’s Vision 2030 — its strategy to diversify beyond oil — aligns tightly with the types of sectors named in the investment commitment.

Key Developments

• A $400 billion increase: The Kingdom is boosting its previously announced $600B investment by adding another ~$400B, according to MBS. 

• Broad sector commitment: Investments are earmarked for tech, AI, and “magnets” — a likely reference to rare earths or other strategic materials. 

• Geopolitical pivot away from BRICS: Despite being invited to join BRICS, Saudi Arabia appears to be doubling down on its relationship with the U.S. instead of aligning with the bloc.

• Skeptics question the realism: Some analysts point out that the $1 trillion figure may be aspirational, noting prior commitments were unclear or partially symbolic. 

Why It Matters
This is more than a big investment headline — it’s a structural signal. Saudi Arabia is choosing deep alignment with the U.S. over a geopolitical shift toward BRICS, undermining the bloc’s leverage and reshaping the economic architecture of the Global Reset.

Implications for the Global Reset

• Pillar – Geoeconomic Diplomacy: Saudi Arabia is playing a decisive role in the emerging architecture, choosing strategic U.S. investment over BRICS integration.

• Pillar – Real-Asset & Capital Flow Re-ordering: A committed $1 trillion into U.S. sectors like AI and strategic minerals could reshape power balances in technology and natural resources.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• CBS News – “MBS tells Trump Saudis will increase investments in U.S. to near $1 trillion”

• Bloomberg – “Saudi Arabia’s MBS Says Will Boost U.S. Investments to $1 Trillion”

• Middle East Monitor – “Saudi Arabia to invest $1T in US: Crown prince”

~~~~~~~~~~

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10 Harsh Money Lessons That You Never Learned in School

10 Harsh Money Lessons That You Never Learned in School

By Martin Dasko / STUDENOMICS

“They should teach personal finance in college.”

“I wish I learned more about money in school instead of studying all that useless stuff.”

I’ve seen a variation of this message on social media over the years. Personal finance is one of those topics that we have to figure out on our own as we go through life, and it can be highly frustrating. This is why I wanted to look at what you likely weren’t taught about money as a high school or college student that you should know.

Here’s what college and high school never taught you about money that you need to know.

Money lessons you didn't learn in school

I can’t tell you how many times a reader or friend complained about how they learned nothing about finances in school. You have to figure out credit scores, mortgages, credit cards, investing, retirement planning, budgeting, being able to afford a Friday night with soaring inflation, and career advancement all on your own.

You don’t learn much about personal finance and money management as you go through the education system. You go from trying to get by as a broke college student to being thrust into the real world, where you suddenly have to worry about paying your bills, all while trying to figure out how to balance between saving for your retirement one day and trying to afford all of these weddings that you have to attend.

Let’s go over what every young person should learn about money right now that you probably won’t learn in college or high school. These are ten money lessons that should be taught to all young people.

Lesson #1: The World Is Designed To Separate You From Your Money.

“I firmly believe that everything in this world is designed to separate you from your money.”

An economics professor dropped this gem on us one morning (so I technically learned this in college). Since hearing this, I can’t stop thinking about it because it’s accurate. He described how everything is happening around us to take our money.

There will always be something to spend money on. You can’t scroll social media for more than two seconds without being sold something. There are ads for everything, and the ads are targeted to promote something you likely discussed an hour earlier or thought of in your mind.

What can you do about this?

Save first. Always pay yourself first. Have money automatically come off your paycheck. Don’t attempt to save when you don’t spend after getting paid. Save first.

Hide/lock your money. I call this the Houdini System. I hide my money in an investment account and ensure I cannot access it.

Stop saving your credit card details with every online retailer. It’s ridiculously easy to spend money these days. Don’t save your credit card information with Amazon. You don’t always need everything delivered to you in minutes.

Set priorities. I’ve learned that you can have anything you want, but you can’t have everything you want.

Whatever you do, never rely on willpower. Hide your money and set it aside. The world is designed to take your money from you. On top of finding ways to keep more of your money, you also have to ensure that you don’t get scammed. The video below covers this… LINK

https://www.youtube.com/watch?time_continue=15&v=C0BfZKUKIVY&embeds_euri=https%3A%2F%2Fwww.studenomics.com%2F&source_ve_path=Mjg2NjY&feature=emb_logo

Lesson #2: You Must Figure Out Where Your Money’s Going.

“I have no idea where my paychecks go.”

I’ve heard this from many friends over the years, and it’s always startling. I understand why this happens, though. Life comes at you fast, and everything that you want to do is expensive. Suddenly, you’re a week removed from payday and have no idea where your money went.

You don’t have to track every penny, but knowing where your money’s going is essential. You don’t want to be confused as to why you’re broke. You have to figure out where your money’s going.

How do you figure out where your money’s going?

TO READ MORE:  https://www.studenomics.com/after-college/money-school/

Jon Dowling: NESARA-GESARA and Great Wealth Transfer Updates with Zester

Jon Dowling: NESARA-GESARA and Great Wealth Transfer Updates with Zester, November 2025

11-20-2025

Ever feel like the financial world is constantly shifting beneath your feet? Between rapid technological advancements and whispers of systemic change, it can be hard to keep up.

Recently, on the Jon Dowling podcast, a compelling conversation unfolded featuring Zester, a blockchain and cryptocurrency expert with nearly a decade of experience, who brought invaluable insights to the table.

This wasn’t just theory; it was about the very foundations of our financial future, and what we need to know to navigate the coming transformation.

Zester began with a foundational refresher on blockchain technology, cutting through the jargon to explain its core power: a decentralized, immutable ledger that promises transparency and efficiency. But this isn’t just about future tech; it’s about what’s happening now.

The big looming date? November 22, 2025, and the imminent implementation of the ISO 20022 messaging standard.

 Zester stressed that this is a critical development for traditional banking. Crucially, he clarified a common misconception: ISO 20022 is a messaging standard, not a cryptocurrency or a token. 

It’s about how financial institutions talk to each other globally, paving the way for faster, more transparent, and more efficient transactions. This standard is set to accelerate blockchain adoption within traditional finance significantly.

But technology alone isn’t enough. The U.S. legislative landscape is playing catch-up, with the Clarity Act serving as a crucial precursor to the anticipated Bitcoin Act.

Zester emphasized this bill’s vital role in establishing foundational rules and protections for cryptocurrency, mainstreaming it for the future financial system. He made it clear: these legislative steps are essential groundwork, setting the stage before the full adoption of blockchain-based financial systems and the expected revaluation of gold and precious metals.

Perhaps the most impassioned segment of the discussion revolved around Zester’s critique of current financial instruments. Naked shorting, leveraged trading, and derivatives were called out as fundamentally harmful and even “illigal” practices.

His argument is clear: these instruments don’t produce intrinsic value; instead, they primarily redistribute wealth from retail investors to financial institutions, creating systemic risk.

So, what does this all lead to? A profound financial transformation.

The podcast episode highlighted the anticipated acceleration of blockchain adoption in banking (thanks to ISO compliance), the rising popularity of crypto-related ETFs, and the historical suppression of precious metals like gold and silver, which Zester believes will gain their true value once the new financial system is established.

Zester eloquently used the metaphor of building a “field of dreams” – a description of the painstaking legislative and technological groundwork being laid today.

 This groundwork is necessary before the financial system reset can be fully realized and truly benefit everyone, not just a select few.

Zester’s commitment extends beyond analysis; it’s about public education. Through his online platforms, he stresses the importance of knowledge and preparation for the coming financial transformation.

 This isn’t a passive event; it’s a transition that requires collective understanding and effort to navigate with minimal harm.

The Jon Dowling podcast episode with Zester offers a potent blend of foundational knowledge, urgent warnings, and a hopeful yet realistic vision for the future of finance.

The financial reset isn’t just coming; it’s being built, brick by digital brick and legislative act by legislative act.

For a deeper dive into these critical insights and to fully grasp the nuances of this impending transformation, be sure to watch the full video from Jon Dowling. Your financial future may depend on it.

https://youtu.be/WGLCx62w4So

https://dinarchronicles.com/2025/11/20/jon-dowling-nesara-gesara-and-great-wealth-transfer-updates-with-zester-november-2025/