Why Financial Advisors Are Updating Retirement Advice

Why Financial Advisors Are Updating Retirement Advice Here's What It Means for You

Jordyn Bradley   Mon, December 8, 2025   Investopedia

Key Takeaways

• Two-thirds of financial advisors are changing their retirement investment advice for clients due to a volatile market and economic uncertainty, according to a new report from Alliance for Lifetime Income.

• Financial advisors are changing their recommendations based on inflation, Social Security and Medicare uncertainty, and cost-of-living concerns.

• Advisors recommend considering their withdrawal strategy and evaluating assets they may not have incorporated.

A volatile market and economic uncertainty have led financial advisors to shift how they're helping clients make decisions.

Two-thirds of financial advisors are changing their retirement investment advice for clients, according to a new report from Alliance for Lifetime Income released Thursday.

“Rising inflation, uncertainty around Social Security and Medicare, and overall cost-of-living concerns have led us to adjust both the conversations we’re having and the strategies we’re recommending,” said Nathan Sebesta, a certified financial planner.

Advisors say clients should consider their withdrawal strategy and look to create buffers against volatility. Sebesta said he has even encouraged his clients to consider a phased retirement or part-time work to create more stability amid all the uncertainty.

“In many cases, we’re helping clients rethink retirement altogether,” Sebesta said.

Sequence Risks Are Top of Mind

He also said he is having more conversations with clients about building cash buffers and revisiting allocation models to reduce sequence risk.

Sequence risk, or sequence-of-returns risk, is the risk that the timing of withdrawals from a retirement account can negatively impact an investor’s overall return. When you retire, you begin regularly withdrawing money instead of contributing new money to your account. In bull markets, these withdrawals are partly offset by new gains, but bear markets don’t see new gains.

While sequence risk is largely a matter of luck, it’s essential to remember these things when planning to retire, financial advisors said. Retirees who strictly rely on their portfolio to live off of in retirement might feel the brunt of a bear market, which could lead to making decisions to alter their retirement plan.

Because there is so much that isn’t predictable when it comes to retirement saving, Scott Bishop, another certified financial planner, said there isn’t one-size-fits-all advice. His advice has had to adjust, though. In order for them to create a sustainable plan, clients need to lock down two important details, he said.

“There is no ‘regiment number’ or ‘withdrawal rate’ that will be relevant if they don’t know how much they both need to spend and then want to spend on top of that,” said Bishop.

TO READ MORE:  https://www.yahoo.com/finance/news/why-financial-advisors-updating-retirement-225140273.html

How Old Is Too Old To Buy a House?

How Old Is Too Old To Buy a House?

Sarah Sharkey  Tue, December 9, 2025  GOBankingRates

Buying a house is a major financial decision. And for older homebuyers, the decision to purchase a new home comes with extra significance. While you’re never too old to buy a house, age can play a significant role in determining if the purchase is the best move for your finances.

From mortgage eligibility to long-term financial planning, the decision to purchase property in your 50s, 60s, or beyond depends on your unique circumstances. GOBankingRates reached out to the experts for their insights on whether you’re ever too old to buy a house, and what factors middle-aged and senior homebuyers should consider before making this major investment.

Older Buyers Should Take the Time To Think Things Through

Personal finance expert Suze Orman doesn’t think age should preclude a buyer from making a home purchase, but she does recommend taking the time to think about it carefully. Buying a home at any age only makes sense if you can afford it financially.

In Orman’s opinion, being able to afford a home purchase means the ability to put down at least 20% while holding onto a robust emergency fund. She also suggests not dipping too far into your retirement nest egg to cover the costs and choosing a 15-year fixed-rate mortgage.

Future Needs Become Especially Important

If buying a home later in life, it must meet your current and future living needs. Of course, this applies to the financial principles of not spending down too much of your retirement savings to make this purchase. But it also applies to the physical realities of aging.

“Retirees often come down to Florida dreaming of palm trees and a golf cart lifestyle, but they sometimes jump into a purchase without thinking a few years ahead,” said Jessica Robinson, co-owner of Family Nest North Central Florida, a company that helps families navigate transition periods, like aging.

“I once had a sweet couple buy a two-story home in a gorgeous 55+ community, but after a year, those stairs became a daily hassle and they ended up selling,” she continued. “That’s why I always tell my clients to try and think five to 10 years out when they’re buying a house.”

Before moving forward with a home purchase, make sure it is likely to fit your future needs.

Keep Maintenance in Mind

TO READ MORE:  https://www.yahoo.com/lifestyle/articles/old-too-old-buy-house-210212907.html

Swisher1776: Iraq Enters a Full-scale Financial and Geo-economic Reset Phase

Swisher1776: Iraq Enters a Full-scale Financial and Geo-economic Reset Phase

12-9-2025

IRAQ ENTERS A FULL-SCALE FINANCIAL & GEOECONOMIC RESET PHASE

Iraq is now undergoing a coordinated, multi-layered transformation across oil, banking, currency policy, and government finance — and all of it aligns with U.S./IMF security-finance enforcement under the NDAA framework.

Here’s how the pieces now clearly fit together:

1. U.S. MOVES INTO IRAQ’S LARGEST OIL ASSET (WEST QURNA-2)

• Iraq has formally invited U.S. companies to replace Russia’s Lukoil at the giant West Qurna-2 oil field.

• This comes amid sanctions pressure on Russian global energy assets.

• West Qurna-2 produces ~460,000 barrels/day and is one of Iraq’s largest dollar-revenue arteries.

What this really means:

• Russia is being cut out of Iraq’s oil cash flow

• Iraq’s oil dollars will now clear through U.S./OFAC-compliant banks

• This locks Iraq’s most critical USD source directly into Western financial control

• Even if oil prices fall, the quality, legality, and reliability of Iraq’s dollar inflow improves

This is not just an oil contract — it is a monetary stabilization move tied to dollar security.

2. NDAA ALIGNMENT: LOCKING DOWN MONEY & BLOCKING SANCTIONS EVASION

Under the NDAA, the U.S. enforces:

• Terror-finance shutdown

• Militia dollar access restrictions

• Sanctions compliance

• Energy-security realignment away from Russia & Iran

Now Iraq is actively:

• Activating AML & sanctions name-screening systems at state banks

• Centralizing district-level treasury accounting under the Ministry of Finance

• Digitizing customs and trade controls

These are direct NDAA-aligned behaviors designed to:

Block d***y money, tighten dollar control, and remove non-state control over financial flows.

3. IRAQ OPENS THE ASIA–EUROPE LAND TRADE CORRIDOR (TIR SYSTEM)

• Iraq confirmed success of the TIR international transit system.

• This positions Iraq as a land bridge between Asia & Europe.

• This expands:
  ◦ Non-oil revenue
  ◦ Customs income
  ◦ Trade-based USD inflows

This reduces Iraq’s total dependence on oil alone — a key IMF condition.

4. NEW EXCHANGE-RATE POLICY DEBATE CONFIRMED BY STATE MEDIA

For the first time, Iraqi policy outlets are openly discussing a selective / multi-level exchange rate system:

• Subsidized rate for:
  ◦ Food
  ◦ Medicine
  ◦ Production inputs

• Intermediate rate for:
  ◦ Strategic sectors
  ◦ Reconstruction

• High/free rate for:
  ◦ Luxury cars
  ◦ Electronics
  ◦ Luxury imports

Why this matters:

• Iraq is preparing for possible global oil oversupply

• Officials fear a sharp oil-price crash

• Because oil funds ~90% of Iraq’s budget

So instead of a revaluation, Iraq is discussing a defensive currency architecture to:

• Protect citizens

• Preserve dollar reserves

• Control luxury dollar drain

• Increase government revenue without raising taxes

• Shield the IQD during a future oil shock

State economists explicitly warn this is not a magic cure, but part of a broader reform package.

HOW THIS ALL CONNECTS (THE REAL SYSTEM FLOW)

Here is the real chain now locking into place:

U.S. NDAA Pressure → Russian Oil Exit → U.S. Energy Control → Clean USD Inflows → CBI Dollar Stability → AML Enforcement → Treasury Centralization → Selective FX Defense → Trade Corridor Expansion

This is not a currency “flip switch” — this is a full sovereign economic firewall being built in layers.

It is a pre-stabilization and control phase — the hard groundwork that must exist before any true currency expansion could ever safely occur.

FINAL TRUTH IN ONE LINE

Iraq is being structurally locked into a U.S.-aligned, IMF-compliant financial system — through oil control, dollar enforcement, treasury centralization, and selective currency defense — but this phase is about stability and survival, not an instant revaluation.

Swisher1776:  Tuesday, 09/2025/12 This aligns with: •Database field inversion •SQL index repointing •API stub placeholders •Auto-generated announcements from an unfinished module In banking systems, this only occurs when the schema is being rewritten, typically during:

A shift in monetary policy

A change in liquidity tools

A change in exchange rate management

A new compliance framework (ISO 20022)

A change in FX auction or settlement architecture

Given your timeline and all surrounding geopolitical events, this fits the pattern of a rate-transition pre-check.

Islamic Deposit Certificate auctions disappearing = end of the old phase ICD auctions were part of: •Controlled liquidity tightening

•Monetary sterilization

 •Preparing banks for new reserve requirements

•Absorbing excess dinar supply before a value change

 Once that phase finishes, they stop appearing.

Today appears to be that moment.

https://x.com/swisher1776/status/1998093299693789314

Swisher1776 IQD UPDATE: CBI AUCTION SYSTEM SHIFT ICDs TO CENTRAL SECURITIES DEPOSITORY (CSD)

Let’s break it down The Central Bank of Iraq (CBI) has announced that Remittance Auction No. (B341) — with a 14-day term — is now being published through the Central Securities Depository System (CSD), rather than via the previous Islamic Deposit Certificate (ICD) framework.

Why switch from ICDs to a “B341 remittance auction”? Because remittance auctions are the predecessor to: FX auctions. And FX auctions are being phased out completely in a revaluation scenario.

So today’s artifact means:

ICD cycle: completed

FX auction module: offline

Remittance module: ghost-firing / placeholder

CBI auction system: transitioning The mismatched tool (remittance vs ICD) + the impossible date = proof the monetary operations table is being overwritten. This is exactly what a central bank system looks like right before a live-rate change, especially when new rate tables are being pre-loaded.

Grok: Transition Impact: Yesterday's auction was one of the last under the old centralized "dollar auction" model (launched 2003, criticized for opacity and $6B+ in past leakages).

The mixed date format is the smoking gun If the date issue were isolated, we could blame a clerical error. But paired with the instrument-type anomaly? It becomes a system-level transition artifact.

The date listed: “Tuesday, 09/2025/12”

This aligns with: •Database field inversion

•SQL index repointing

•API stub placeholders

•Auto-generated announcements from an unfinished module In banking systems, this only occurs when the schema is being rewritten, typically during:

A shift in monetary policy

A change in liquidity tools

A change in exchange rate management

A new compliance framework (ISO 20022)

A change in FX auction or settlement architecture

Given your timeline and all surrounding geopolitical events, this fits the pattern of a rate-transition pre-check.

 Islamic Deposit Certificate auctions disappearing = end of the old phase

 ICD auctions were part of:

•Controlled liquidity tightening

•Monetary sterilization

 •Preparing banks for new reserve requirements

•Absorbing excess dinar supply before a value change

Once that phase finishes, they stop appearing.

 Today appears to be that moment.

CBI STATEMENT (excerpt): “We would like to inform you that the auction of Central Bank of Iraq remittances No. (B341) has been announced with a term of 14 days… published in the Central Securities Depository System (CSD). Traditional banks can submit bids… Data determining 50% of private sector deposits was dated Nov 20, 2025…” This is a clearly visible system transition.

https://x.com/swisher1776/status/1996611478548250852

Source(s): https://x.com/swisher1776/status/1998124711323304409

https://dinarchronicles.com/2025/12/08/swisher1776-iraq-enters-a-full-scale-financial-and-geo-economic-reset-phase/

Tuesday Coffee with MarkZ, 12/09/2025

Tuesday Coffee with MarkZ, 12/09/2025

Some highlights by PDK-Not verbatim

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

Member: Good Morning Mark, Mods and members

Member: Wonderful December greetings to you all!!!

Member: Any bond news today Mark?

MZ: I do have a bond contact today that was delivered “Travel Cash” so they can travel to deliver their “Historic Assets” and close their bond deal as well. They have a large amount of bonds. They hope to close this the end of the week going into the weekend. They received spendable cash to make that trip to complete the deal. This was comforting to me.

MZ: I had another contact with meetings today. I still have not heard from him

Mark, when are the Iraqi people going to get tired of the old crap about raising purchasing power and make the government do something. They have been lied to for decades.

Member: Iraqs budget for 2026 was supposed to be completed by 08 Dec.

MZ: New Parliament in Iraq cranks up Dec 9th. That is today.

MZ: “ Al Sudani: Iraq’s vision in the field of energy pushes it to cooperate with International companies” this is part of the White Paper Reforms.

MZ: From Seleh-Sudanis Fiancial advisor: “ Iraq has succeeded in creating an attractive climate for foreign investments and opening new markets” Many articles have this theme today.

MZ: “ Integrity Commission in Kurdistan records more than 590 corruption cases in 2025”  they are doing the big clean up before passing HCL.  

Member: I wonder- What are the bullet points in the Gazette about the exchange?

Member: Frank26 talking about 2 exchange rates last night we have to be very close… Iraq wouldn't bring that up if we weren't

Member: rumor from Mike Bara that they are tired of waiting for Iraq…so Vietnam may fo first now.

Member:  I still think they all RV at once…. imagine the double dipping if they don't go at once?

MZ: I have heard nothing new on the dong or Prosperity packages or Venezuela .

Member: Silver $60.02. We made it. Andy said last night it would be $75.00 by year end.

Member: just think of all the distractions in the news right now...so much news it's hard to keep up on a daily basis....looks like 'cover' to me ;)

Member: Please- Whoever pulls the trigger, Please not another Christmas without the RV!!!

Member: IMO- there's a strong chance we could go before Christmas!!

Member: Mark, Just a quick Thank You for everything you bring to all of us every morning and many nights!!

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

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

FOLLOW MARKZ : TWITTER . https://twitter.com/originalmarkz?s=21. TRUTH SOCIAL . https://truthsocial.com/@theoriginalm...

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

MARKZ DAILY LINKS: https://theoriginalmarkz.com/home/

Note from PDK: Please listen to the replay for all the details and entire stream….I do not transcribe political opinions, medical opinions or many guests on this stream……just RV/currency related topics.

 ZESTER'S LINK TREE: https://linktr.ee/CrazyCryptonaut

THANKS FOR JOINING. HAVE A BLESSED DAY! SEE YOU ALL  TUESDAY THROUGH THURSDAY EVENINGS FOR NEWS @ 7:00 PM EST ~ UNLESS BREAKING NEWS HAPPENS!  FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:   https://www.youtube.com/watch?v=X2jBiHkMCYo

News, Rumors and Opinions Tuesday 12-9-2025

KTFA:

Clare: Multiple exchange rates

12/8/2025  Dr. Nabil Rahim Al-Abadi 

 In the heart of Baghdad, amidst the constant monitoring of currency exchange rates, the Iraqi economy breathes with every fluctuation in the dollar's value.

With each rise or fall, voices of anxiety rise, or the pulse of the markets slows, reflecting the fragility of an economic structure still reliant on a single resource.

Today, with expectations of increased global oil supply and falling crude prices, crucial questions arise: How can Iraq safeguard its economy? And can a selective exchange rate policy be part of the solution?

 Expert readings indicate that this policy, if implemented as part of a comprehensive reform package, could constitute a smart mechanism for adapting to international storms and protecting the citizen at the same time.

The Iraqi currency market is currently experiencing relative stability, with the dinar's exchange rate against the dollar recently rising in the parallel market.

 In Baghdad, it reached 1420 dinars for selling and 1415 dinars for buying. Experts attribute this stability to several factors, most notably the trend of traders using the official Central Bank platform to purchase dollars, improved confidence resulting from relative security and the success of the recent elections, and the effectiveness of the Central Bank's oversight measures in curbing smuggling.

However, this calm may be temporary. The international landscape suggests the possibility of an oil crisis with the potential return of oil supplies from countries like Iran, Venezuela, and Russia should geopolitical conditions shift.

 Such a scenario, while hypothetical in the short term, could lead to an unprecedented global oversupply and a sharp drop in prices, placing the Iraqi economy, which relies on oil for approximately 90% of its budget, on the brink of an existential crisis.

In the face of these challenges, the idea of ​​adopting a selective or multi-level exchange rate system emerges. This idea is based on a simple but profound economic principle of directing the state’s limited resources to protect the citizen and stimulate local production, instead of paying the bill for importing luxuries.

How does this policy work?

  A subsidized exchange rate is granted for the import of basic and vital goods that are part of the citizen’s daily life, such as wheat, medicines, raw materials for local production, and agricultural machinery.

  • An intermediary exchange rate may be applied to intermediate sectors or to specific strategic sectors that need reconstruction.

  A free or high exchange rate is applied to the import of luxury goods, such as luxury cars, modern electronics, perfumes and luxury products.

• Potential benefits:

  Protecting the poor and middle class by securing basic goods at reasonable prices, thus limiting imported inflation in essential goods.

  Encouraging local production makes importing raw materials for production cheaper, while imported luxury goods become expensive, thus stimulating demand for local products.

  Rationalizing government spending and hard currency: Directing precious oil dollar reserves towards what is truly necessary for the economy and the citizen.

  • Increased government revenues: through the price difference achieved from selling dollars to import luxury goods at a higher price.

However, many economists warn against viewing any exchange rate adjustment, including multiple exchange rates, as a magic bullet or a one-off solution. Economist Mahmoud Dagher emphasizes that “changing the exchange rate cannot be the sole cure for the crisis, as long as it is not accompanied by a set of complementary measures.” 

The idea of ​​multiple exchange rates in Iraq is not mere economic fantasy; it is a difficult strategic choice that requires political courage and administrative acumen.

 It is not a magic wand to rescue an economy suffering from chronic structural problems, but it could be a smart defense mechanism that protects vulnerable segments of society and preserves the country's resources in the lean years that may lie ahead.

The decision now is one of will: Will Iraq begin, now, to build a productive and resilient economy, or will it remain captive to rent-seeking and the dominance of a single revenue stream? The answer will be determined by the decisive measures the next government takes on the path to genuine and comprehensive reform.   LINK

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

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

Frank26   CBI's Alaq comes out on Iraqi television Channel One Iraqi News and he tells the Iraqi citizens we are introducing a multiple exchange rate. Now, before you lose it and say, 'That's not possible.  You can't have two exchange rates.'  I understand.  You cannot.  There's only one exchange rate in the country of Iraq which is going to be 1 to 1 when it's all over and done with.  Now, the reason Iraq is doing this multiple exchange rate is because it is allowing them to transition from a fixed rate (1320) to a float outside of the borders of Iraq.  Multi-rates are for countries that have low exchange rates like the Iraqi dinar...Outside, supply and demand will drive the value up.

Militia Man    We can see Iraq is executing... because...they have $112/$116 billion in reserves.  They have 171 tons of gold.  They're telling you all those things that supports the value of their currency.  They have the new ASYCUDA system...60% of the corruption has been alleviated.  That's all about money...going back into their treasury.  All of that support the real effective exchange rate.  It's that 'Quiet tell' just like the Bank of International Settlements and Alaq going to the Bank of England getting the nod for that, then the application for it...They're not blatantly saying, 'Hey, we're going to come out at X and we're going to do something', but they're tying it in...

Japan's Debt Crisis: The Bond Market Warning Sign

Lynette Zang: 12-9-2025

The global bond market is sending a critical warning signal—and Japan is ground zero. In this video, Lynette breaks down the sovereign debt crisis unfolding right now and what it means for your financial future.

Japan's bond market is collapsing after decades of fighting deflation. Now they're dealing with inflation on top of massive underwater bond positions.

But this isn't just a Japan problem—it's a global debt crisis affecting the US, Europe, and emerging markets worldwide.

https://www.youtube.com/watch?v=p7yTio4IBMU

Seeds of Wisdom RV and Economics Updates Tuesday Morning 12-09-25

Good Morning Dinar Recaps,

IMF Approves Pakistan Review, Unlocks $1.2 Billion to Support Economy

Pakistan secures critical funding as economic reforms progress under IMF supervision

Overview

• IMF releases $1.2 billion to Pakistan, keeping the $7 billion Extended Fund Facility (EFF) and Resilience and Sustainability Facility (RSF) on track.

• Approval follows staff-level agreement recognizing stabilization efforts, including easing inflation, improving FX reserves, and boosting investor confidence.

• Funds aimed at macroeconomic stability, rebuilding reserves, and supporting structural reforms, including privatization of state-owned enterprises like Pakistan International Airlines.

Key Developments

• IMF approval confirms progress on economic reforms and adherence to program milestones.

• Privatization plans advance, with bidding for Pakistan International Airlines scheduled for December 23, marking a critical milestone.

• Government commitment to fiscal discipline and reform implementation ensures continued access to IMF funding and investor confidence.

Why It Matters

Pakistan’s economic stability depends on continued IMF support. Access to liquidity reassures international investors, enables macroeconomic management, and demonstrates commitment to structural reforms. This step is critical for sustaining confidence in Pakistan’s financial trajectory, stabilizing inflation, and strengthening public finances.

Implications for the Global Reset

Pillar: Debt
IMF disbursements highlight the role of international financial institutions in managing sovereign debt pressures and providing liquidity to stabilize economies.

Pillar: Trade & Investor Confidence
Program compliance and reforms signal reliability to investors and trading partners, supporting ongoing capital flows and regional financial integration.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Modern Diplomacy – “IMF Approves Pakistan Review, Unlocks $1.2 Billion to Support Economy”

• Reuters – “IMF approves Pakistan loan review, releases $1.2 billion”

~~~~~~~~~~

Trade Realignment Accelerates as Dollar Alternatives Gain Ground

Emerging-market currencies gain traction while global agencies warn the financial system must adapt

Overview

• Emerging-market currencies strengthen as trade partners expand settlement in non-dollar units.

• UN trade agency warns global finance must adapt, noting financial markets now influence trade flows as much as real economic activity.

• Dollar-centric trade structure shows visible strain, with governments seeking diversified settlement options.

Key Developments

• UNCTAD signals structural shifts, urging reforms to better align the financial system with global economic needs.

• Rupee, Rouble, Renminbi, Real, and Rand gain influence as alternative settlement currencies in cross-border trade.

• Trade volatility increases, driven by financial-market pressure and weakening reliance on a single reserve currency framework.

Why It Matters

Recent movements show a clear trend: nations are adjusting their trade and settlement patterns to reduce vulnerability to a dollar-dominant system. As financial markets disrupt traditional trade structures, global institutions and major economies appear to be rebalancing toward a more multipolar currency environment—one of the early markers of a long-term financial transition.

Implications for the Global Reset

Pillar: Trade
Shifting settlement systems and diversification away from USD dominance indicate a reconfiguration of global trade architecture, moving toward a multi-currency ecosystem.

Pillar: Assets
As countries reduce dollar exposure, reserve portfolios naturally shift toward mixed-asset strategies—including regional currencies and hard assets—to stabilize trade flows.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Global financial system must adapt to better serve economy, UN trade agency says”

• The Business Times – “Challenging the US Dollar: Rupee, Rouble, Renminbi, Real and Rand”

~~~~~~~~~~

New Financial Technologies Signal Major Shifts for 2026 Banking Systems

Banks brace for disruption from stablecoins, tokenized deposits, and modernized payment rails

Overview

• Major banking forecasts warn of rapid transformation in digital money, settlement systems, and financial infrastructure.

• Stablecoins and tokenized deposits accelerate adoption, challenging traditional bank-led payment models.

• Programmable money and modern rails gain traction, reshaping how value moves across borders.

Key Developments

• Industry analysis highlights 2026 as a pivotal year, driven by digital currency innovation and infrastructure upgrades.

• Banks face structural pressure as new entrants introduce decentralized or hybrid settlement systems.

• Legacy payment rails risk obsolescence, prompting global institutions to invest heavily in modernization.

Why It Matters

The rapid evolution of payment technology signals a shift away from traditional, centralized financial systems toward programmable and digitized forms of money. This transition directly affects how nations transact, borrow, settle, and store value—making technology one of the most critical levers of global financial realignment.

Implications for the Global Reset

Pillar: Technology
Digital currencies, stablecoin networks, and programmable money challenge legacy infrastructure, enabling new settlement systems outside traditional banking control.

Pillar: Debt & Finance
As digital systems increase speed and transparency, they pressure outdated credit, lending, and settlement structures—forcing governments and institutions to reconsider long-term monetary frameworks.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Deloitte – “2026 Banking Industry Outlook: Digital Money and New Financial Infrastructure”

~~~~~~~~~~

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Thank you Dinar Recaps

20 Life Traps That Are So, So, Sooooo Easy To Fall Into

20 Life Traps That Are So, So, Sooooo Easy To Fall Into, But Should Be Avoided At ALL COSTS

Jake Farrington  Sun, November 9, 2025   BuzzFeed

In our culture, we don't really respect our elders enough, despite hearing that phrase over and over growing up. While I think people of every generation have something to teach each other, young or old, it's undeniable that people with more life experience have wisdom to impart on those just getting started.

Recently, Reddit user Otherwise-Body-7721 asked, "What's a 'trap' in life that no one warns young people about, but absolutely should?" I found a lot of wisdom in this thread, and had to share some of the best advice from people who have lived to tell their tales.

1. "Don't become so focused on achievement that you forget to enjoy life."  —u/Klutzy_Dirt_923

"I had a roommate for a bit in my 20s. He tied his self-worth to his job performance. He'd come home sad or angry that his project wasn't moving quickly enough. We were at a bar together once, and I heard him crash and burn with a girl who seemed interested because he kept being self-deprecating and complaining about his job instead of talking about anything interesting he did.

Too many people put their self-worth in their job/achievements rather than seeing that as a financial means to support the life they want."  —u/dishonourableaccount

2. "Credit card debt. It's amazing how quickly debt can build, and as a young person, you assume you'll just pay it off. In reality, if you're not careful, suddenly it's overwhelming!"  —u/Riesroshi

3. "There are a lot of people around me who just never travel and work themselves to death. It's pretty sad. Even a weekend getaway to a state park or something does wonders for resetting how you feel mentally. They say they will travel when they're retired, but you don't know if you'll be here, and your health will certainly be worse than now if you are."  —u/Puzzleheaded-Owl7664

4. "Don't be in a rush to settle down. I'm 30 and I’ve seen many people settling down with the wrong person, and their partners slowly erode their enjoyment of life."  —u/Critical_Dot6979

"Even worse? Having babies with them. I have a friend who openly admits she regrets having kids with her husband."  —u/Any_Difficulty_6817

"Your partner's problems can ruin your life. And falling in love makes it really hard to objectively look at how serious those problems may be."  —u/Outrageous-9859

5. "Fiber is love, fiber is life."   —u/Pleasant_Scar9811

6. "For me, one of the biggest traps is social media, especially apps like TikTok or Instagram. They mess with your dopamine, your attention span, your self-esteem, and even your relationships. It’s so easy to block, unfollow, or replace people the moment there’s conflict or disagreement, instead of learning to communicate, commit, and work through things.

There’s also an overload of opinions and advice out there; it can leave you confused or disconnected from your own judgment. I’m still hooked on it myself, and I can see both the good and the bad sides. But it’s such a massive influence on young people’s lives now and not always in a healthy way." —u/Curious-0ne

7. "Lifestyle creep! You get a raise and immediately upgrade your apartment or your car, locking yourself into a higher cost of living forever! No one tells you that saving your raise is the only way to get free!" —u/Wrong-Election1997

"We qualified for a mortgage four times higher than what I wanted. I refused to spend that much. I love our home, and it's now worth over six times what I paid. I refused the 'lifestyle creep'. We all have a choice."  —u/thegeeksshallinherit

8. "Don't feel like you have to have it all figured out. At 40, I am winging it as much as I did when I was 16. I assumed adults felt more put-together, but I’m still waiting for that to actually happen. I remember my parents turning 40 and having a big 'over the hill' party with all sorts of senior props. I celebrated my 40th earlier this year with a week at Disney. Definitely still just an oversized child here."  —u/Hi_NOT_the_problem

9. "I had a boss give me the good advice of ‘don’t be good at what you don’t want to do.’ Unfortunately, I received that advice late and wasted some years doing things that weren’t interesting or challenging.

There’s nothing wrong with knowing how to do jobs you don’t want (in fact, it can be a very good thing), but sometimes you may want to hide some of that talent from management and potential employers to avoid getting pigeon-holed. If you make yourself irreplaceable with skills you don’t enjoy utilizing, you will find that management has almost no incentive to promote you."   —u/Boxcars4Peace

10. "Finally being able to afford 'the good version' of something, only to realize you're now too scared to actually use it. My fancy towels were 'for guests' who don't exist. My nice pans were 'for special occasions.' My entire adult life became a museum of things I was terrified to ruin."  —u/Kitchen-Fan6343

TO READ MORE:  https://www.yahoo.com/lifestyle/articles/older-people-warning-younger-people-011602549.html

“Tidbits From TNT” Tuesday Morning 12-9-2025

TNT:

Tishwash:  Sudani receives a delegation from the American company Chevron to continue discussions regarding investment in the Nasiriyah oil field.

Prime Minister Mohammed Shia Al-Sudani received on Tuesday a delegation from the American company Chevron, headed by the company’s Vice President Joe Ketch, in the presence of the Minister of Oil, and a number of advisors and officials in the oil sector.

According to a government statement received by Dijlah News, “The meeting witnessed the completion of discussions regarding investment in the Nasiriyah field, and the possibility of cooperation with regard to the Qurna/2 field

Where the Prime Minister pointed out the need to achieve the required results from the discussions between the Ministry of Oil and Chevron, stressing that Iraq’s vision in the field of energy drives cooperation with international companies, and that they should contribute to the transfer of technology and the development of Iraqi competencies.”

Al-Sudani explained that “the government focuses, in its cooperation with international companies, on taking environmental aspects into consideration, and taking into account the social benefits and urban development of the areas where the oil fields are located, and that government planning is directed towards expanding the refining capacity of all Iraqi refineries, and establishing the petrochemical industry in Dhi Qar Governorate, and the rest of the oil-producing governorates.”

For its part, the company delegation affirmed its commitment to developing bilateral agreements, supporting the Iraqi government’s vision of making Iraq an energy hub in the Middle East, and planning for long-term cooperation and partnership development to ensure the actual development of oil fields.   link

Tishwash:  The Sudanese directs the completion of the requirements for the development road

Prime Minister Mohammed Shia Al-Sudani chaired a meeting of the Higher Committee for the Development Road on Monday, in the presence of the Ministers of Transport and Industry, the Executive Director of the Iraq Development Fund, a number of advisors to the Prime Minister, general managers, and representatives of the consulting companies KBR and Oliver Wyman.

During the meeting, the topic of the auditing company and the timelines proposed by it regarding the completion of the audit of the railway and road designs were discussed, as well as the design costs for the railway line and the road, in addition to discussing the operating plans submitted by Oliver Wyman and BTP.

According to a statement from his media office, Al-Sudani directed that the best plan be chosen and a comprehensive summary be presented at the next meeting, stressing the need to decide on the options presented for discussion, pointing to the importance of the project for the future of Iraq, and the need to proceed with and intensify the work with specialists to complete its requirements.

The meeting reviewed the progress rates of all the component projects of the Strategic Development Road project, and the legal mechanisms by Iraqi specialists and KBR Consulting Company, for the contract to operate the Grand Faw Port under a joint management system with Abu Dhabi Ports Company

In addition to Oliver Wyman Company providing a detailed explanation of the principles of launching the third phase to support the activation of the contractual requirements of the development road, after the company completed the previous two phases.  link

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

Tishwash:  Iraq's financial crisis "explodes" days before the December 15th demonstration: We have reached a dangerous stage

The depth of the financial crisis

For weeks, government ministries have been facing significant financial pressures as the fiscal year draws to a close, amid rising operational spending requirements and numerous government obligations.

This has impacted the funding of several projects, most notably payments owed to companies and contractors. Official data indicates that the available allocations are insufficient to cover all the required amounts at once, resulting in a considerable delay in disbursing funds.

This crisis is no longer limited to the accounts of ministries or financial schedules, but has begun to affect the service and project sectors, while contractors are awaiting urgent solutions after accumulating debts to banks, suppliers and workers, and the delay has become a direct cause of the failure of hundreds of projects in the governorates.

Contractors Union: We have reached a dangerous stage, and the demonstration will proceed as scheduled.

Ismail al-Rubaie, a member of the Iraqi Contractors Union, told Baghdad Today that “the private sector has reached a critical stage due to the delay in payments, and that the peaceful demonstration scheduled for December 15 will proceed as planned, after the number of participants reached thousands of contractors.”

Al-Rubaie added that “the total cost of the projects implemented by the companies amounts to about 200 trillion dinars, while the contractors’ dues from the government amount to 30 trillion dinars,” explaining that “the Prime Minister directed the disbursement of 5 trillion, but the Ministry of Finance released only 2 trillion, which is an amount that does not address the crisis, and therefore we refused to receive it.”

He pointed out that “a large percentage of contractors are on the verge of bankruptcy, while dozens are being pursued with lawsuits or arrest warrants due to accumulated debts, and others have been forced to mortgage their homes while awaiting a final solution.”

He stressed that “the next step will be to halt projects if the dues are not disbursed, especially water, electricity and services projects, which depend directly on the ongoing contracts.”

The Ministry of Finance refutes the accusations and presents details of the expenditures.

In response, the Ministry of Finance issued a lengthy statement refuting what was said by the head of the Contractors Union during a televised interview, stressing that “the claim regarding sending one of the female MPs to negotiate with Minister Taif Sami about the dues is completely untrue, and that the Ministry did not receive any female MP for this purpose.”

The Ministry of Finance said in a statement received by “Baghdad Today” that “the Ministry officially handed over to the representative of the Union the two Cabinet Resolutions (435 and 721 of 2025), which included the allocation of an amount of (2) trillion dinars, in addition to the allocation schedules amounting to 25% of the entitlements.”

She added that “the financing procedures included the disbursement of (1,371,451,904,190) trillion dinars to the ministries, and (1,000,000,000,000) trillion dinars to the governorates, and that work is underway based on the requests received from the Ministry of Planning,” stressing that “the representative of the Union was present at all the meetings and was aware of their content.”

The ministry stressed that it “reserves its legal right to hold accountable the channels and media professionals who promote misleading information regarding this issue.”

The outstanding payments file is turning into a financial and administrative test.

The interactions of the past few days show that the issue of contractors' dues has become a central part of the pressures facing finance, especially with the multitude of obligations that require immediate funding, in contrast to the clear restrictions on the liquidity currently available.

A reading of the official data issued by the Ministry of Finance indicates that the ministry is operating within the limits of the approved allocations, and cannot disburse the full entitlements before the Ministry of Planning completes its requests, which makes scheduling the only option at the moment.

On the other hand, contractors believe that the delay has led to significant losses for companies, and that continuing at the same pace will lead to the suspension of essential service projects, which increases the pressure on the state ahead of the December 15 demonstration.

Despite the ongoing discussions between the two sides, the size of the gap between what the Contractors Union is demanding and what the Ministry of Finance can currently release makes this issue one of the most prominent challenges facing the government in the coming weeks.    link

Mot: . Eating Corn on da Cob!!!

Mot: AND!!! -- another ""Motisum"" frum da Net!!!! 

FRANK26…12-8-25….MULTIPLE EXCHANGE RATES

KTFA

Monday Night Video

FRANK26…12-8-25….MULTIPLE EXCHANGE RATES

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=ML6hql7tUa4

Seeds of Wisdom RV and Economics Updates Monday Evening 12-08-25

Good Evening  Dinar Recaps,

BRICS Unveils Gold-Backed Digital Unit to Challenge Dollar Dominance

Pilot currency signals the first real test of a commodity-anchored alternative to the U.S. dollar

Overview

• BRICS launches pilot digital currency “Unit,” backed by 40% gold and 60% BRICS currencies

• First 100 Units issued and pegged to one gram of gold each

• Analysts call the prototype a symbolic and material threat to dollar-led trade settlement

• Early signals point toward wider digital commodity-backed settlement systems

Key Developments

A Gold-Backed Digital Currency Prototype Emerges

BRICS has introduced a pilot digital trade currency known as “Unit,” backed by a reserve basket consisting of physical gold and member-state currencies. This marks the first formal test of a multi-currency, commodity-anchored digital settlement instrument.

First 100 Units Minted and Pegged to Gold

The pilot batch of 100 Units was issued with each token pegged to one gram of gold. Early issuance is intentionally limited to test liquidity, price stability, and cross-border settlement functionality.

A Challenge to Dollar-Centric Systems

Analysts view the launch as a strategic move in global de-dollarization. While still only a prototype, the Unit represents a parallel settlement method that could bypass traditional dollar-denominated trade architecture.

Momentum Toward Non-Western Settlement Mechanisms

Digital commodity-backed settlement systems are gaining traction as economic blocs seek insulation from sanctions, SWIFT restrictions, and dollar volatility.

Why It Matters

A gold-backed digital instrument directly undermines the structural advantage the U.S. dollar holds in global settlement. By anchoring value to tangible reserves rather than political trust, BRICS is signaling the emergence of a parallel financial system designed to empower non-Western trade networks.

Implications for the Global Reset

Pillar 1: Alternative Settlement Systems

A gold-backed digital currency introduces a competing structure to Western-dominated trade mechanisms and begins shifting global financial gravity.

Pillar 2: Commodity-Backed Value Anchors

Anchoring digital settlement to physical assets strengthens non-Western monetary sovereignty and lays the groundwork for a new valuation regime.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• IntelliNews – “BRICS Launches Gold-Backed Digital Currency Unit”

• WEEX – “BRICS Countries Launch Gold-Backed Digital Currency Unit”

• MEXC – “BRICS Digital Gold Currency Explained”

~~~~~~~~~~

BRICS Bank’s Non-Conditional Loans Push the Dollar Off the Global Stage

How development-first financing is shifting trust from the West to the East

Overview

• BRICS-backed NDB has approved over $39 billion for 120+ infrastructure projects.

• Loans increasingly issued in local currencies, reducing dollar exposure.

• NDB President Dilma Rousseff says the bank imposes no political conditions.

• Non-conditional financing accelerates trust shifts toward Eastern financial systems.

Key Developments

NDB Expands Global Infrastructure Financing

The New Development Bank (NDB) continues accelerating its infrastructure agenda, approving more than $39 billion in loans across 120+ projects. Around 20 projects are currently ongoing, representing $4.8 billion in active development. The bank’s model centers on long-term economic stability through transport, energy, and digital infrastructure investment.

Loans Issued in Local Currencies — Not Dollars

The BRICS Bank increasingly disburses lending in the Chinese yuan, Indian rupee, and Russian ruble, reducing member-state reliance on the U.S. dollar. This local-currency lending not only mitigates dollar-linked exchange-rate risk but also promotes multipolar trade settlement systems.

Dilma Rousseff: BRICS Financing Comes With “No Conditions Attached”

NDB President Dilma Rousseff emphasized that the bank’s loans are non-conditional — a direct contrast to Western institutions that frequently attach policy demands or geopolitical strings. Rousseff noted that Western financing often enforces hegemony, while the NDB prioritizes development over political influence.

Trust Shift: From Western Control to Eastern Optionality

The absence of political or regulatory conditionality has made BRICS financing highly attractive to emerging economies. Lower interest rates, flexible repayment terms, and local-currency settlement foster long-term trust in the NDB, enabling nations to reduce exposure to sanctions, tariffs, and Western-centric financial risks.

Why It Matters

The rise of non-conditional BRICS lending is eroding the U.S. financial advantage that has shaped global development for decades. By enabling countries to build infrastructure without Western stipulations, the NDB accelerates a broader global shift away from dollar-dependency. This shift supports parallel financial systems, challenges U.S. economic leverage, and expands the influence of BRICS-aligned development pathways.

Implications for the Global Reset

Pillar 1: De-Dollarization

Local-currency lending reduces the dollar’s role in global trade and development. As more nations accept BRICS financing, dollar demand structurally weakens, accelerating the multipolar financial transition.

Pillar 2: Sovereignty-Focused Development

Non-conditional lending empowers nations to pursue domestic priorities without Western-imposed reforms, strengthening sovereign economic decision-making and reshaping the balance of global financial power.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Watcher Guru – “US Dominance Will End Through Non-Conditional Financing by BRICS Bank”

• New Development Bank – “NDB Approves New Infrastructure and Development Loans”

• Reuters – “BRICS Bank Expands Local Currency Lending as Members Seek Dollar Alternatives”

~~~~~~~~~~

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Thank you Dinar Recaps

Iraq Economic News and Points To Ponder Monday Evening 12-8-25

The Dollar Is Rising Again In Evening Prices In Iraq.

Stock Exchange   The exchange rate of the dollar against the dinar recorded a new surge on Monday, coinciding with the closure of the stock exchange in local markets.

Baghdad 
Selling price: 144,000 dinars for 100 dollars
Buying price: 142,000 dinars for 100 dollars.

Erbil
Selling price: 142050 dinars per 100 dollars
Buying price: 141850 dinars per 100 dollars.   https://economy-news.net/content.php?id=63196

Gold Rises As The Dollar Weakens In The Markets

Economy | 08/12/2025   Mawazin News - Follow-up:   Gold prices rose on Monday, benefiting from increasing expectations that the US Federal Reserve will cut interest rates this week, which further pressured the dollar.

By 9:40 AM Moscow time, February gold futures (Comex) had risen 0.05% to $4,245 per ounce.
Meanwhile, spot gold rose 0.44% to $4,216.26 per ounce.

In the currency markets, the dollar weakened, hovering near its lowest level in six weeks, which it reached on December 4th, making dollar-denominated gold cheaper for holders of other currencies.
https://www.mawazin.net/Details.aspx?jimare=271313

Oil Prices Hit Their Highest Level In Two Weeks

Economy | 08/12/2025   Mawazin News - Follow-up:  Oil prices rose near their highest levels in two weeks as markets awaited the US Federal Reserve's decision on a possible interest rate cut this week, which could boost economic growth and energy demand. Investors also continued to monitor geopolitical developments that threaten supplies from Russia and Venezuela.

Brent crude futures rose nine cents to $63.84 a barrel, while US West Texas Intermediate crude climbed eight cents to $60.16.  Oil prices closed Friday at their highest level since November 18. Data from the London Stock Exchange shows an 84% probability of a quarter-point rate cut at the Fed's meeting on Tuesday and Wednesday, amid expectations that it will be one of the most divisive meetings in years.   https://www.mawazin.net/Details.aspx?jimare=271306

Iraq Discusses Oil And Gas Development Projects With US-Based Chevron

Economy | 04:21 - 08/12/2025   Mawazin News – Baghdad:   Oil Minister Hayyan Abdul Ghani Al-Sawad met with a delegation from the American company Chevron to discuss ways to enhance cooperation in the oil and gas sectors. The meeting took place at the ministry headquarters.

In a statement, the ministry said, "Minister Hayyan Abdul Ghani Al-Sawad received a delegation from Chevron, and during the meeting, they discussed topics related to developing the oil and gas sectors." The statement added, "They also discussed investment opportunities and future projects that could contribute to supporting the oil industry in the country."   https://www.mawazin.net/Details.aspx?jimare=271329

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