11 Secrets To Saving More Money in 2026

11 Secrets To Saving More Money in 2026

Caitlyn Moorhead  Mon, December 15, 2025  GOBankingRates

If you noticed a drop in your savings account balance this past year, you might be thinking about making a New Year’s resolution to spend less in the coming year. If so, you aren’t alone, as everyone in this economy seems to be struggling to make ends meet.

In fact, financial stress is one of the top concerns for Americans, with many worried about living paycheck to paycheck or never being able to retire. However, with the right strategies, you can cut expenses, build savings and improve your financial health throughout the year.

From tracking your spending to automating contributions, here are 11 smart money-saving tips for 2026 that will help you stick to your goals and build your wealth.

1. Take Advantage of Deals Right Away

January is a bargain hunter’s paradise. For example, you can save up to 90% on holiday decor during after-Christmas sales. Big-box stores are trying to move inventory and their loss is your financial gain for the next December.

Winter coats, apparel and outdoor gear also tend to be deeply discounted after the holidays. Additionally, try using January sales to shop for home goods like sheets, bedding and furniture. 

2. Track Ever-Rising Prices

Some consumer goods, products or foods might rise in price next year, so do your research. Then, limit purchases of these items, stock up when they go on sale, look for lower-priced brands and purchase conventional instead of organic options.

Prices on consumer goods can fluctuate wildly in a matter of days, thanks to tariffs or just the general rising cost of living. To avoid overpaying, it’s wise to use an online price tracker or download an app to monitor rates on items you want to buy.

3. Don’t Miss Out on Price Adjustments or Price Matches

Best Buy and Kohl’s will price-match with competitors, while Target and Walmart will price-match their own inventory at different store locations. This means you can get a price adjustment if items purchased at full price drop in cost within a certain number of days. Typically, if you present proof of the price you paid to the retailer, you will be credited for the difference.

Tired of wasting time driving from store to store to find the best prices? Use free mobile apps such as Red Laser and ShopSavvy to scan product barcodes and see if another retailer is offering the product you want for a lower price. In some cases, you can even use that information to get the store you’re currently shopping at to match a competitor’s price.

4. Use Discounted Gift Cards for Everyday Essentials

Gift cards aren’t just for gifts. If you buy them for less than face value — as you can almost always do at Costco and Sam’s Club — they’re a great way to save money on things you regularly purchase.

You can also find discounted gift cards for supermarkets, drugstores, gas stations, restaurants and hundreds of retailers online at sites such as CardCash and Raise.

5. Unlock Promo Codes on Social Media

TO READ MORE:  https://www.yahoo.com/lifestyle/articles/11-secrets-saving-more-money-140404831.html

“Tidbits From TNT” Wednesday Morning 12-17-2025

TNT:

Tishwash:  Iraq and Indonesia discuss strategic cooperation in the oil and gas sector.

Iraq and Indonesia discussed on Tuesday the possibility of strengthening strategic cooperation in the oil and gas sector, which would include Pertamina International Energy Company (PIEP).

These discussions took place during a meeting held in Jakarta on Tuesday between Deputy Minister of Energy and Mineral Resources, Yuliut Tanjung, and Deputy Minister of Exploration and Production Affairs at the Iraqi Ministry of Oil, Basim Mohammed Qadhir.

Tanjung said: “The Indonesian government is committed to promoting sustainable and mutually beneficial cooperation in the oil and gas sector, not only to enhance national energy security, but also to create added value for both countries through capacity building and knowledge transfer.”

Pertamina International Energy Company (PIEP) participated in the project due to its role as an operational provider in the oil and gas sector, particularly in supporting the development of oil and gas fields in Iraq, while promoting efforts to achieve energy self-sufficiency nationwide.

Indonesian-Iraqi cooperation in the oil and gas sector is currently being prepared through an intergovernmental memorandum of understanding that has been submitted to Iraq through diplomatic channels and is currently under discussion.

The scope of cooperation under discussion includes facilitating oil and gas trade and investment, promoting technology transfer and exchange of expertise, conducting joint research, and developing human capacity-building activities.

Furthermore, the cooperation also aims to provide opportunities for Indonesian state-owned companies to participate in oil and gas projects in Iraq, and to enhance coordination between stakeholders in both countries.

Other areas of cooperation discussed include capacity building (training and universities), seismic data research and management, and drilling.

Qadhir said: “The memorandum of understanding in the oil, gas and energy sector will provide opportunities for greater cooperation between the two countries in the energy sector.”

PIEP currently holds a 20% participating interest in one of Iraq's oil fields.

The Iraqi government invited Indonesia, through Pertamina, to jointly manage existing producing oil fields and explore potential “green” oil fields, as part of a joint project.  link

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Tishwash:  A presidential decree sets the 29th of this month as the date for the first parliamentary session.

 The President of the Republic issued a presidential decree on Tuesday setting the date for the first session of the new parliament on December 29, to be chaired by the oldest member.  link

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Tishwash:  Sudanese advisor: 8 trillion dinars in tax revenues expected this year as a result of financial reform policies

 The Prime Minister’s financial advisor, Mazhar Muhammad Saleh, predicted that the state would achieve initial tax revenues of approximately 8 trillion dinars during the current year 2025, explaining that this figure represents about 50 percent of the total non-oil revenues estimated between 16 and 17 trillion dinars, at a time when initial estimates indicate the possibility of non-oil revenues rising to about 18 trillion dinars by the end of the year .

Saleh said, "These indicators reflect a gradual shift in the structure of public revenues as a result of the policies adopted by the government within its economic and financial reform program, which aims to reduce dependence on oil as a primary source of public revenues and to enhance resources." 

He explained that “the government, with legislative support from the House of Representatives since 2022, has developed a broad reform roadmap aimed at raising the contribution of non-oil revenues to about 20 percent of total public revenues in annual budgets, after it did not exceed 10 percent in previous years, which is considered a structural transformation in public finance management.” 

Saleh explained that “improving the efficiency of indirect tax collection, especially customs, is an important factor, as every 1 percent increase in the efficiency of customs collection, at current levels, provides additional revenues exceeding 800 billion dinars annually,” stressing that “these additional resources have a real ability to finance the salaries of tens of thousands of public service employees and alleviate the pressure on the public treasury.” 

The financial advisor pointed out that “raising the efficiency of collection is directly related to bringing the tax authority into the scope of broad digital governance, especially in collection and enforcement operations, explaining that this transformation has begun to take its practical course through the electronic customs project, which has begun using information technology and ASYCUDA systems in the inspection and evaluation of goods entering the country.” 

He added, "These steps complement the control of border crossings and linking them to modern electronic systems, in addition to coordinating with foreign trade financing systems in foreign currency, in order to achieve better control over import movement and reduce waste and misuse of foreign currency provided by the state." 

Saleh emphasized that "these measures combined contribute to reducing tax evasion, whether in customs duties or the resulting commercial profits taxes, as well as enhancing transparency in import, pricing and external financing operations."  link

Tishwash:  The Sudanese government summarizes its achievements in the economic sector and promises employees salary adjustments.

Prime Minister Mohammed Shia al-Sudani spoke on Tuesday about the achievements made during his tenure as head of the Iraqi government regarding the economy and energy sector, while indicating that the time has come to address the disparity in the salaries of state employees and to achieve fairness and justice among them.

In a televised interview followed by “Mail”, Al-Sudani said, “The three-year budget provided stability in spending and ensured the financing of projects, and I expect we will not go to three-year budgets anymore,” indicating that “Iraq’s budget was $24 billion in 2004.”

He added that "the number of employees in 2025 is 4 million and 550 thousand," noting that "the number of civilian and military retirees is 2 million and 960 thousand."

He pointed out that "43 million citizens benefit from the ration card," explaining that "4 million and 500 thousand names that were not entitled were being issued the ration card."

He added that "more than 22 trillion dinars are spent annually on the energy sector," noting that "social protection allocations amounted to 6 trillion dinars annually."

He explained that "12 trillion dinars are allocated to service projects from the annual budget," stressing, "We have made important reforms to reduce expenses and financial waste."

He pointed out that "reviewing previous electricity contracts saved 43% of previous costs," indicating that "there are those who reject institutional organization because they thrive on chaos."

He went on to say: “There is no country in the world today without internal or external debt,” noting that “all budgets approved by previous governments include a financial deficit.”

He stated that "the total external debt is $10 billion and 56 million," noting that "Iraq's external debt is the lowest among the countries of the region."

He added that "the financial crisis can be overcome without harming citizens," noting that "Iraq's gold reserves have increased from 130 to 172 tons."

Al-Sudani confirmed that "the inflation rate has decreased from 7.5% to 2.7%," noting that "the government has managed to reduce the gap in the exchange rate."

He continued: "We tend to be stable in fixing the exchange rate and not changing it every so often," noting that "we supported correcting the situation of private banks and their return to the market."

He added: "It is time to review the disparity in the salary scale of state employees," noting that "there are 34 laws and special decisions related to the salaries of state employees."

He stressed the need to amend the laws relating to additional allowances, noting that "the state is responsible for protecting the private sector from extortion and bureaucracy."

He continued: "We have obtained many gains for the state through distinguished investments," stressing "the development of 66 streets in Sadr City in exchange for an investment license for 200 dunams."

He explained that "investments provide important additional revenues for the country," noting that "the project to develop the four Kirkuk oil fields is worth $26 billion."

He pointed out that "ExxonMobil's return is due to the transparency of the procedures taken by the government," stressing that "ExxonMobil, Chevron and Halliburton possess modern technology and techniques."

He explained that "residential cities provide alternative options for all classes."

The Prime Minister pointed out that "flaring associated gas was causing a loss of $5 billion annually," indicating that "associated gas investment projects have reached 72%."

He added that "for the first time, Iraq is exporting kerosene by signing a contract for 100,000 tons."

He pointed out that "the submerged tunnel is an architectural masterpiece being implemented for the first time in the region," explaining that "the development road is used for transporting oil, gas and communications."

He added that "the regulatory bodies confirmed that there were no high estimates in the costs of the projects," noting that "economic crises are a global context that many countries are experiencing."  link

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Mot:  Should I Share??? -- Yeppers! ""first day of Christmas"" 

FRANK26….12-16-25…..DECEMBER 29th 2025

KTFA

Tuesday Night Video

FRANK26….12-16-25…..DECEMBER 29th 2025

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

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

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

What Frank’s suit color’s mean…. FRANKS SUIT COLORS FOR CC'S..... WHITE = NEW INFO…. SILVER = INTEL FROZEN…. RED= HIGH ALERT… PURPLE=GUEST WITH US…. BLUE = AIR FORCE…. BLACK = GROUND/FF’S…. GREEN= MR OR FAB 4 ... GOLD = CHANGE… ORANGE=IMPLEMENTATION

https://www.youtube.com/watch?v=32LQ-VuvAmM

Iraq Economic News and Points To Ponder Tuesday Evening 12-16-25

 The European Bank Injects $100 Million Into The National Bank And Encourages International Markets To Enter Iraq

Banks   Economy News – Baghdad   The European Bank for Reconstruction and Development (EBRD) expressed its pride in signing its first investment agreement in Iraq, providing $100 million in financing to the National Bank of Iraq. The bank emphasized that this facility represents a significant achievement in supporting the country's economy by expanding trade finance and enhancing integration with international markets.

In a statement, the EBRD said, "This facility will support import and export activities in Iraq and strengthen the National Bank of Iraq's trade finance operations by issuing guarantees to approved banks and providing advance payments for import, export, and local distribution of goods under the EBRD's Trade Facilitation Programme."

He added that the financing facility "will contribute to enhancing trade integration in Iraq by providing guarantees and lines of credit to mitigate political and commercial payment risks associated with international transactions conducted by partner banks in the economies where the EBRD operates."

He explained that "this investment will also contribute to improving access to finance for micro, small, and medium-sized enterprises (MSMEs), facilitating intra-regional trade, and assisting the National Bank of Iraq (NBI) in diversifying its correspondent banking network and strengthening trade finance links with other countries where the EBRD operates."
Katarina Björlin-Hansen, Head of the EBRD office in Iraq, said, "We are proud to sign our first investment agreement in Iraq, in partnership with the National Bank of Iraq (NBI)."

She noted that "this facility is a significant achievement in supporting the country's economy by expanding trade finance, enhancing integration with international markets, and supporting the resilience of local businesses. We look forward to playing a pivotal role in building strong financial institutions and supporting sustainable economic growth in Iraq."

For his part, Ayman Abu Dhaim, Managing Director of the National Bank of Iraq (NBI), stated, "This represents The partnership with the European Bank for Reconstruction and Development (EBRD) marks a significant milestone in the growth of the National Bank of Iraq (NBI) and the Iraqi financial landscape.

Through this facility, we aim to improve trade flows, empower Iraqi businesses, particularly micro, small, and medium-sized enterprises (MSMEs), and open new channels connecting Iraq to global markets with greater stability and reliability. This partnership reflects our ongoing commitment to driving economic development and supporting Iraq's integration with the regional and international economy.

It is worth noting that the EBRD launched its Trade Finance Programme in 1999 to promote international trade among the economies of the regions where it operates by providing guarantees and short-term loans to selected participating banks and finance companies.

NBI is the largest private bank in Iraq, a full-service bank offering banking services to individuals, SMEs, and large corporations, in addition to trade finance and treasury services. Established in 1995, the bank is majority-owned by Capital Bank (Jordan), a client of the EBRD since 2015.

The European Bank for Reconstruction and Development (EBRD) began its operations in Iraq in September 2025, focusing on the private sector to facilitate its access to finance, support local businesses, and promote long-term sustainable growth, thereby contributing to the transformation of the country’s economy. https://economy-news.net/content.php?id=63471

Al-Sudani: Iraq's External Debt Is More Than $10 Billion, The Lowest Among The Countries Of The Region

Tuesday, December 16, 2025 20:09 | Economy Number of views: 153  Baghdad / NINA / Prime Minister Mohammed Shia al-Sudani announced that Iraq's external debt stands at $10.056 billion, the lowest among countries in the region.

In televised remarks, al-Sudani stated, "The financial crisis can be overcome without harming citizens," noting that "all previous budgets have included a deficit." /End  https://ninanews.com/Website/News/Details?key=1267116

The Oil Company Announces An Increase In Iraqi Exports To The United States

Baratha News Agency2162025-12-16   The Iraqi State Oil Marketing Company (SOMO) announced on Sunday that oil exports to the United States had increased by approximately 435,000 barrels per day.

The company indicated that its strategy is based on diversifying markets, maintaining market balance, and ensuring the continuity of oil exports. SOMO Director General Ali Nizar Al-Shatri told the official news agency that "the increase recorded in Iraqi oil exports to the United States during the past week does not reflect a change in marketing policy or approved allocations, but rather is due to temporary logistical factors.

" He pointed out that "the arrival of Iraqi oil exports to the United States at approximately 435,000 barrels per day during the past week was a result of concentrating the loading of several shipments within a short period of time, due to transportation schedules, refinery needs, and port conditions."

He also added that "this timing may give the impression of higher weekly exports, while the actual exported quantities on a monthly basis remain within the normal rates allocated to American companies," explaining that "the monthly allocations of Iraqi crude oil to American companies are still below the contractual ceiling, due to the limited quantities available for export."

He stated that “talking about Iraq occupying the second position among the largest oil exporters to the United States does not reflect the true picture when relying on stable monthly and quarterly indicators,” noting that “quarterly data issued by specialized entities, such as Kpler, shows that Iraq ranked eighth among crude oil suppliers to the American market during the last quarter of 2025, at a rate of approximately 3 million barrels per month,” pointing out that “the latest data issued by the US Energy Information Administration (EIA) for the seventh month of this year places Iraq in seventh place on the list of suppliers.”

He stressed that "the advanced appearance in some weekly reports is due to the concentration of shipments arriving within short periods, and does not reflect the true ranking based on monthly and quarterly rates."

Regarding the possibility of Iraq remaining in a leading position among the major oil suppliers to the United States, he explained that “Iraq will continue to supply American companies with crude oil according to the approved marketing policy, and in a way that ensures the stability and continuity of exports, similar to the rest of the global markets, especially Asian and European markets, with different export ratios depending on price preference and within the concluded contracts.”

He also stressed that “the weekly increase in exports does not represent a new strategic direction towards the American market, but rather is the result of temporary factors related to the scheduling of shipments, logistical conditions and the needs of refineries during a specific period,” explaining that “SOMO’s strategy is based on diversifying markets and maintaining their balance and continuity of oil exports, in a way that serves the country’s interest and preserves oil wealth and its revenues.”

Regarding the impact of oil exports on economic relations between Baghdad and Washington, he pointed out that “the stability of Iraqi exports to the American market contributes to strengthening trade and economic relations between the two countries, especially in the energy sector,” noting that “this may encourage American companies to invest in Iraq and participate in implementing strategic projects in the oil sector and the energy sector in general, which will positively impact economic development, the transfer of expertise and technology, and support stability in this vital sector.”
https://burathanews.com/arabic/economic/468956

Oil Prices Fall Below $60

Economy | 16/12/2025   Mawazin News - Baghdad:   Oil prices fell by about 1.5% on Tuesday, dropping below $60 a barrel, their lowest level since May of this year. This decline extended losses from the previous session amid signs of a possible peace agreement between Russia and Ukraine, and the potential easing of sanctions on Russian crude.

Brent crude futures fell 1.5% to $59.65 a barrel,  while US West Texas Intermediate crude settled at $55.87 a barrel, down 1.6%.

US officials said the United States offered Ukraine security guarantees similar to those provided by NATO, an unprecedented move that has sparked optimism in some European capitals that talks are nearing the stage of negotiating an end to the conflict, according to Reuters. https://www.mawazin.net/Details.aspx?jimare=271679

New buying opportunities... Gold prices decline in Baghdad

Economy | 16/12/2025   Mawazin News - Baghdad:  Gold prices, both foreign and Iraqi, have decreased in local markets  in Baghdad. This morning, the wholesale price of one mithqal (approximately 4.5 grams) of 21-karat gold from the Gulf, Turkey, and Europe was 862,000 Iraqi dinars, while the buying price was 858,000 dinars. This is a decrease from yesterday morning's price of 877,000 dinars.

Meanwhile, the selling price of one mithqal of 21-karat Iraqi gold was 832,000 dinars, and the buying price was 828,000 dinars.   As for gold prices in jewelry shops, the selling price of one mithqal of 21-karat Gulf gold ranged between 865,000 and 875,000 dinars, while the selling price of one mithqal of Iraqi gold ranged between 835,000 and 845,000 dinars.   https://www.mawazin.net/Details.aspx?jimare=271657

The Dollar Is Declining As The Stock Exchange In Baghdad Closes

Economy | 16/12/2025   Mawazin News - Baghdad:   The exchange rate of the US dollar against the Iraqi dinar fell in Baghdad markets following the closure of the stock exchange.

The dollar dropped in the Al-Kifah and Al-Harithiya exchanges, reaching 142,700 dinars per 100 dollars, compared to 143,100 dinars per 100 dollars earlier today.

The selling price at currency exchange shops in Baghdad's local markets also decreased, reaching 143,250 dinars per 100 dollars, while the buying price was 142,250 dinars per 100 dollars.   https://www.mawazin.net/Details.aspx?jimare=271676

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

Flashback: The US Dollar Is Irrationally Strong Right Now

Flashback: The US Dollar Is Irrationally Strong Right Now

Notes From the Field By James Hickman (Simon Black)  December 16, 2025

As we wind down 2025, we’ve been reflecting on some of the biggest long-term shifts that defined the year.

Last week, we highlighted three: First, Charlie Kirk’s assassination —

Second, 2025 marked the start gun for the US debt crisis—with the refusal to cut the deficit, central banks rushing to dump US Treasurys for gold, and signs of stagflation.

And third, a bright spot: a competent, strategic approach to nuclear power from the Trump administration, finally laying the groundwork for a productivity boom fueled by cheap energy.

As we head into the holidays, we’re revisiting some of our earlier work that speaks directly to these themes—articles that warned about the direction things were heading, long before the headlines caught up.

I wrote this article in October of 2022 during a time when the US dollar was irrationally strong, interest rates were still near zero, and gold was cheap— less than $1,700 per ounce.

I suggested that readers, “think about turning at least a portion of your irrationally strong dollars into another asset that can stand the test of time.”

The message was that reserve currency status breeds arrogance. The dollar’s dominance allows Washington to behave recklessly—binge on debt, stoke inflation, and still count on foreign demand for its bonds.

But, as history shows, no reserve currency lasts forever. The Spanish real, the British pound… they all had their day. This article reminds us: so will the dollar.

 By the summer of 1497, Ferdinand and Isabella of Spain were presiding over a rapidly growing empire.

 Christopher Columbus had already claimed most of the Caribbean islands on their behalf. Plus Pope Julius II had awarded virtually all of the western hemisphere to Spain in the infamous Treaty of Tordesillas.

 Spain was quickly on its way to becoming a global superpower. Ferdinand and Isabella knew it, and they realized that they needed a strong currency to match their strong empire.

 So on June 13, 1497, they announced a major monetary reform called the Medina del Campo, named for the site of a popular medieval banking conference at the time.

 The monetary reform was sweeping; they abolished most other coins in their domain, and re-established the real as the primary currency across Spanish lands.

 The real was a silver coin, weighing about 0.1 troy ounces or roughly 3.2 grams. And coins were minted in denominations of ½, 1, 2, 4, and 8 real.

 Over time, the 8-real coin (real de ocho) became the most popular; it was known as a “Piece of 8”, and eventually the “Spanish dollar”.

 By the mid-1500s under King Charles I of Spain, the Spanish dollar had become the world’s primary reserve currency. From the Americas to Europe to Asia, global trade and commerce were quoted and often settled in Spanish dollars.

 Dutch and Portuguese traders visiting Macau in the 1600s, for example, would frequently buy goods from Chinese merchants using Spanish dollars.

In 1704, Queen Anne of Great Britain decreed that the Spanish dollar would be legal tender in the American colonies. And in 1792, the newly independent United States passed the Coinage Act which defined the US dollar as equivalent to the Spanish dollar.

 The Spanish dollar’s dominance in global finance was unparalleled. But like all reserve currencies that came before, it too lost its luster.

 Eventually the Spanish Empire’s strength faded. The government defaulted on its debts, confiscated private wealth, and suffered embarrassing military defeats.

 The Dutch guilder then began to displace the Spanish dollar in commerce and trade. And by the late 1800s, the British pound had become the world’s dominant reserve currency — matching the British Empire’s unparalleled size and economic power.

 This lasted until the mid-20th century when, after World War II, the United States dollar became the world’s primary reserve currency — a status the dollar has enjoyed for decades. 

Having the world’s reserve currency is an extraordinary privilege. It means that the rest of the world literally HAS to stockpile your currency.

 For example, whenever a company in Peru does business with a supplier in Malaysia, that transaction is quoted and settled in US dollars. This means that the banking systems in both Peru and Malaysia HAVE to maintain substantial holdings of US dollars in order to facilitate these transactions.

 This is the biggest reason why foreigners own trillions and trillions of dollars of US government bonds; bonds are the largest and most liquid financial instrument available for foreign investors who need to hold dollars.

 And because of this need for foreigners to own US dollar assets, foreigners own a whopping $7.5 trillion worth of US government bonds, roughly 25% of the national debt.

 This is really an enormous benefit for the US. And for an easy example, we need look no further than to the United Kingdom.

 The British pound was the world’s dominant reserve currency more than a century ago. Today the UK is still a significant economy. But they no longer have the unique reserve currency advantage.

 Now, you may be aware that, a few weeks ago, the British pound and British government bonds (known as gilts) began plummeting after the British government announced a series of tax cuts and economic reforms.

It turned out that the bond market wasn’t thrilled with the plan, so investors began dumping their British gilts and pounds.

 It was a full blown panic. And soon, the central bank had to step in to bail out the bond market. The Chancellor was sacked. And the Prime Minister canceled her planned tax cut.

 Essentially the British government had to capitulate to the demands of investors.

This is actually normal in countries that don’t enjoy reserve currency status. If a government wants to borrow money from the bond market, politicians have to appease investors and lay out a plan that will give everyone confidence.

 But not in the United States.

 Because the US issues the global reserve currency, the government can engage every ridiculous antic imaginable.

 They can fail to pass a budget (multiple times) resulting in a government shutdown. They can lock down the entire economy and pay people to stay home.

 They can pass a multi-trillion dollar spending package and insist it “costs nothing”. They can slash interest rates to zero or engineer record high inflation.

 And yet foreign investors will STILL buy US government bonds. And the dollar actually becomes STRONGER.

 It’s totally insane. None of that would be possible if the US dollar weren’t the world’s reserve currency.

 The curse of the reserve currency, however, is that policymakers usually believe their status will last forever. Spanish, Dutch, and British leadership never envisioned that their currencies would falter and be displaced by a rising power. And yet it happened. 

The same fate awaits the US dollar. 

Reserve currencies are usually displaced when economic power is in decline. Given the mountain of debt owed by the US government, the stagflation surging across the US economy, and the complete ineptitude to do anything about it, it certainly looks like that decline is taking place right now. 

In general it would be foolish to think that the dollar will remain the dominant global reserve currency forever. And its displacement may take place sooner rather than later. 

Once that happens, things will become a LOT more difficult for the US government. They’ll most certainly have to raise taxes. The central bank will have to print more money, sparking more inflation. 

And we’ll likely see revolts of the bond market, just like what happened in the UK; just imagine the US government forced to capitulate its sovereignty to the demands of foreign lenders. 

But that’s the future. For now, the dollar is still the top dog, only because it hasn’t been displaced (yet).

 In fact, at the moment, the US dollar is irrationally strong.

 Despite inflation that has reached multi-decade highs, and the growing national debt, the dollar is near an all-time high against the British pound. It’s at a 20+ year high against the euro. It’s strong against many major currencies. It’s even been strong against other asset classes including precious metals, crypto, and more.

 So this may be a good time to consider the future and think about turning at least a portion of your irrationally strong dollars into another asset that can stand the test of time.

To your freedom,   James Hickman   Co-Founder, Schiff Sovereign LLC

https://www.schiffsovereign.com/trends/the-us-dollar-is-irrationally-strong-right-now-143374/?inf_contact_key=c9ed3e008cf121b7c272b4edeaec57db2343f9ac500826dd3f0e41b4c68affdd

$9 Trillion of the National Debt Must be Paid Back in 2026

$9 Trillion of the National Debt Must be Paid Back in 2026

Heresy Financial:  12-15-2025

The United States is on the cusp of a significant financial event: rolling over a staggering $9 trillion of national debt in 2026. This amount represents over a quarter of the country’s total debt load of $38 trillion.

At first glance, the figure may seem alarming, sparking concerns about a potential liquidity crisis or default. However, a closer examination of the facts reveals that the situation is more manageable than it initially appears.

The debt rollover involves paying back maturing debt while simultaneously borrowing new funds to replace it. Much of this debt consists of short-term Treasury bills (T-bills) with maturities within a year, as well as longer-term notes and bonds.

 While the sheer size of the rollover is substantial, the government’s ability to refinance the debt is supported by the fact that most of the maturing debt is held by investors who already have cash parked in money market funds and other financial instruments heavily invested in Treasury securities.

The Federal Reserve’s recent actions have provided additional support for rolling over the debt at manageable costs. By lowering short-term interest rates and restarting quantitative easing (QE), the Fed has helped to create a favorable environment for debt refinancing.

 Although current interest rates for new debt issuance are higher than the average rates on existing debt, particularly for longer-term bonds, most of the rollover is expected to be in short-term debt. This means that rates could remain stable or even decline if the Fed cuts rates further.

The government has taken a strategic approach to managing its debt by concentrating much of it at the short end of the maturity curve. This allows for greater flexibility in refinancing debt at potentially lower rates when the Fed reduces short-term borrowing costs, rather than locking in higher rates on longer-term bonds.

By doing so, the government is able to take advantage of more favorable interest rates, reducing the overall cost of borrowing.

One common misconception about debt rollover is that it involves money leaving the financial system. However, the reality is that funds simply move between accounts, often cycling through Treasury securities.

This process does not drain liquidity from the system but rather redistributes it. As a result, the risk of a liquidity crisis or default is minimal.

While the $9 trillion debt rollover is undoubtedly a significant event, it is unlikely to cause a default or sharp rise in borrowing costs.

 Instead, debt maturities will continue to cluster at the short end of the curve until economic or policy changes, such as lower long-term interest rates, enable more long-term refinancing. By understanding the facts surrounding the debt rollover and the government’s strategic approach to debt management, investors and policymakers can better navigate this significant financial event.

For further insights and information, be sure to watch the full video from Heresy Financial, which provides a more in-depth analysis of the $9 trillion debt rollover and its implications for the US economy.

https://youtu.be/SWPRNRsDehw

What Breaks Next is Not the System you Think, the Shift is Underway

Paul Gold Eagle: What Breaks Next is Not the System you Think, the Shift is Underway

12-15-2025

Paul White Gold Eagle @PaulGoldEagle

WHAT BREAKS NEXT IS NOT THE SYSTEM YOU THINK

The first cracks are not appearing where the public is looking. They are forming deeper, inside the invisible layers that once kept everything moving without question.

What breaks next are not banks.
What breaks next are not currencies.
What breaks next are not governments.

What breaks next is assumed authority.

Systems built on repetition instead of legitimacy are already failing stress tests. Accounts that moved for decades without resistance are suddenly slowing down. Approvals that once required no human confirmation are looping, stalling, or being silently rerouted.

This is not a crash.
This is disqualification.

The next layer to fail is delegated control. Power handed down through titles, roles, and institutional positioning is losing priority to direct validation. If a system cannot identify a real holder behind an action, that action no longer completes.

This is why:

• Automated approvals are being revoked

• Long standing privileges are expiring without notice

• “Trusted” intermediaries are losing routing access

• Legacy credentials are no longer sufficient

From the outside, it looks like disorder.
Inside the system, it is a cleanup.

What breaks next are the buffers that protected non ownership. Shell structures, proxy authority, and abstract control mechanisms are being stripped of function. They are not being attacked. They are being ignored.

Once a system stops recognizing you, there is nothing to fight.

This phase is irreversible because it does not rely on enforcement. It relies on alignment. And alignment cannot be faked.

Those who understood early are already positioned.
Those who relied on inherited access are discovering silence.
Those waiting for announcements will miss the moment entirely.

THE SHIFT IS UNDERWAY

The Quantum Financial System is now operational and anchored to real assets. The era of debt-based control is ending as legacy financial structures lose relevance and a new, transparent framework takes hold.

NESARA / GESARA represents the correction phase. Decades of imbalance are being addressed through debt relief mechanisms tied to lawful and humanitarian restructuring. Mortgages, consumer debt, and long-term financial burdens are entering resolution pathways designed to reset households and communities, not extract from them.

Humanitarian funding channels are opening next. These resources are intended for rebuilding, restoration, and local prosperity projects — agriculture, water access, infrastructure, and small businesses long suppressed by predatory systems. This is restitution, not charity.

Parallel to the financial shift, a new medical framework is being prepared. Advanced healing technologies are positioned for phased release, prioritizing those most harmed by past systems. The focus moves away from dependency and toward regeneration and long-term wellness.

As this transition unfolds, expect periods of silence and reduced information flow. This is not collapse — it is insulation. The old noise fades so the new structure can stabilize.

NESARA / GESARA is not a single announcement.
It is a process.
And that process has begun.

Stay calm. Stay aware. Stay grounded.

Source(s):
https://x.com/PaulGoldEagle/status/2000760418030248375
https://x.com/PaulGoldEagle/status/2000760750055546976

https://dinarchronicles.com/2025/12/15/paul-gold-eagle-what-breaks-next-is-not-the-system-you-think-the-shift-is-underway/

Seeds of Wisdom RV and Economics Updates Tuesday Afternoon 12-16-25

Good Afternoon Dinar Recaps,

U.S. Suspends UK Tech Deal as Critical Minerals Shift Trade Leverage

Technology cooperation stalls amid trade disputes, while rare earth discovery strengthens U.S. strategic position

Overview

• U.S. halts technology cooperation with the UK over unresolved non-tariff trade disputes tied to regulation and market access.

• Agreement covered AI, quantum computing, and civil nuclear energy, sectors critical to long-term economic and security planning.

• Rare earth mineral discovery in Utah boosts U.S. leverage in clean energy and advanced technology supply chains.

• Trade, technology, and energy policy increasingly intertwined as strategic competition intensifies.

Key Developments

U.S. suspends technology agreement with Britain
The United States has suspended a bilateral technology cooperation deal with the UK that focused on artificial intelligence, quantum computing, and civil nuclear collaboration. According to Reuters, the move stems from disputes over non-tariff trade barriers, including food standards and industrial goods regulation, rather than the technology sectors themselves.

Non-tariff trade tensions spill into strategic sectors
While not framed as a political break, the suspension highlights how regulatory disagreements are increasingly impacting strategic cooperation. Technology and energy initiatives are now directly affected by broader trade negotiations, signaling reduced tolerance for unresolved market frictions.

Rare earth discovery strengthens U.S. trade position
Separately, a Utah-based mining company announced the discovery of a significant critical mineral deposit. Rare earth elements are essential for clean energy technologies, defense systems, electric vehicles, and advanced electronics — areas where global supply chains are currently dominated by China.

Critical minerals reshape leverage in global trade rivalries
The discovery could reduce U.S. reliance on foreign suppliers and enhance bargaining power in trade negotiations, particularly as access to strategic resources becomes a central feature of economic diplomacy.

Why It Matters

The suspension of the U.S.–UK tech deal underscores how trade disputes are no longer confined to tariffs and quotas but are now influencing cooperation in high-value strategic industries. At the same time, strengthening domestic access to critical minerals provides the U.S. with new leverage in global negotiations, reinforcing the link between resource security, technology leadership, and geopolitical power.

Why It Matters to Foreign Currency Holders

The suspension of the U.S.–UK technology agreement and the domestic rare earth discovery both reinforce the U.S. dollar’s central role in strategic finance and trade leverage. Foreign currency holders are directly affected because access to critical technologies and materials increasingly aligns with U.S.-dominated supply chains and payment networks. As America consolidates control over high-value resources and technology exports, non-dollar economies may face higher transaction costs, limited access to cutting-edge industrial inputs, and greater dependence on U.S.-regulated trade channels. This shift strengthens the dollar’s influence in global finance, cross-border payments, and reserve management, marking another step in the ongoing global monetary and strategic realignment.

Implications for the Global Reset

Pillar 1: Strategic Decoupling Through Regulation
Trade rules and regulatory alignment are becoming tools of economic statecraft, reshaping alliances and limiting cooperation even among close partners.

Pillar 2: Resource Control Equals Financial Power
Securing domestic rare earth supplies strengthens national resilience, supports energy transition goals, and reduces exposure to geopolitical pressure points.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

•  Reuters – U.S. suspends technology cooperation deal with UK amid trade disputes

• OilPrice.com – New critical mineral discovery offers U.S. counterweight in trade war

• Reuters – Global trade tensions increasingly impact strategic technology sectors

~~~~~~~~~~

PAYPAL MOVES TOWARD BANK STATUS, BLURRING LINES BETWEEN PAYMENTS AND BANKING

Fintech giant seeks U.S. bank charter, accelerating the convergence of digital payments and traditional finance

Overview

• PayPal files for a U.S. bank charter, signaling a major shift from payments platform to regulated financial institution.

• Move would allow PayPal to hold insured deposits and expand lending activities.

• Fintechs continue migrating into core banking functions, challenging legacy institutions.

• Payments infrastructure increasingly merges with credit creation and liquidity control.

Key Developments

PayPal applies for bank charter
PayPal has filed an application to establish a U.S. bank, seeking regulatory approval to operate under a banking charter. The move would allow the payments firm to accept insured deposits and directly expand its lending operations.

Expansion beyond payments into lending
By pursuing bank status, PayPal positions itself to deepen its role in consumer and merchant credit, moving beyond transaction processing into balance-sheet driven financial services.

Regulatory normalization of fintech banking
The filing reflects a broader trend of regulators allowing large fintech firms to integrate into the traditional banking system rather than operate at its edges. This reduces regulatory arbitrage while reshaping competitive dynamics.

Pressure on traditional banks intensifies
Legacy banks face growing competition as payments companies leverage massive user bases, real-time transaction data, and digital infrastructure to offer banking-like services with lower overhead.

Why It Matters

Payments platforms evolving into banks represent a structural shift in how money flows through the financial system. Control over deposits, lending, and payments increasingly consolidates within technology-driven institutions, altering credit allocation, liquidity management, and systemic risk dynamics.

Why It Matters to Foreign Currency Holders

As major payment platforms move into regulated banking, control over dollar-based transaction flows and credit creation becomes increasingly centralized within U.S.-regulated institutions. For foreign currency holders, this reinforces the dominance of the U.S. dollar in cross-border payments, settlement, and liquidity access. Countries and individuals operating outside the dollar system may face higher transaction friction, greater reliance on U.S. financial infrastructure, and increased exposure to U.S. regulatory and policy decisions. The consolidation of payments, deposits, and lending under U.S. oversight strengthens America’s leverage over global financial rails — a key dynamic in the ongoing global monetary reset.

Implications for the Global Reset

Pillar 1: Payments Become the New Banking Core
Transaction networks are transforming into financial hubs, redefining how deposits, credit, and liquidity circulate globally.

Pillar 2: Regulatory Absorption, Not Suppression
Rather than restricting fintech, regulators are integrating it into the banking framework — reshaping the financial system from within.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Payments firm PayPal files for bank charter in lending push”

• WSJ -- "PayPal Applies to Establish Bank"

~~~~~~~~~~

Energy Stocks Lag as Oil Slides, Pressuring Wall Street

Falling crude prices and weak demand signals weigh on markets

Overview

• Energy and healthcare stocks underperform, contributing to flat-to-weak performance on Wall Street.

• Oil prices tumble amid oversupply concerns, with global benchmarks hitting multi-month lows.

• U.S. gasoline prices slide toward multi-year lows, easing consumers but signaling demand softness.

• Investor caution grows around macro outlook, energy demand, and earnings visibility.

Key Developments

Energy sector drags broader markets
Recent trading sessions have seen energy stocks lag the broader market, alongside weakness in healthcare shares. Reuters reports that the underperformance has weighed on major Wall Street indices as investors reassess growth expectations and sector leadership.

Oil prices sink on oversupply and weak demand
Crude prices have fallen sharply, with Brent dropping below $60 a barrel and U.S. crude trading near $55. Rising global supply, elevated U.S. production, and softer demand signals from key economies have intensified downside pressure.

Gasoline prices fall toward multi-year lows
According to Barron’s, U.S. gasoline prices are trending toward their lowest levels in years. While this provides near-term relief for consumers, it also reflects slowing fuel demand and broader economic caution.

Markets reassess energy’s role in inflation and growth
Lower energy prices reduce headline inflation pressures but raise concerns about weakening industrial activity and global consumption trends, complicating the outlook for central banks and equity markets.

Why It Matters

Energy has been a key driver of inflation, profits, and geopolitical leverage in recent years. Sustained weakness in oil prices and energy equities signals a potential shift toward slower global growth, changing market leadership, and recalibrated expectations for earnings, inflation, and monetary policy.

Why It Matters to Foreign Currency Holders

Weakness in energy stocks and falling oil prices affect foreign currency holders through exposure to commodity-linked currencies (like CAD, NOK, and AUD) and global trade settlements tied to energy flows. Lower oil revenues can reduce FX inflows for exporting nations, potentially weakening their currencies and influencing central bank interventions. For holders of non-U.S. currencies, this also signals greater dependence on the U.S. dollar as a stable store of value, particularly as energy-driven capital rotations and demand shocks recalibrate global financial flows and reserve strategies.

Implications for the Global Reset

Pillar 1: Demand Signals Replace Supply Shock
Markets are transitioning from supply-driven energy shocks to demand-driven pricing, reshaping inflation forecasts and investment flows.

Pillar 2: Energy No Longer the Market Anchor
As energy stocks lose momentum, capital rotation highlights a broader rebalancing within global equity markets and commodity cycles.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Wall Street futures slip as investors brace for key U.S. jobs report”

• Barron’s – “Oil prices tumble as oversupply grows; U.S. gasoline nears multi-year lows”

~~~~~~~~~~

GOLD OUTLOOK SHIFTS AS METALS SIGNAL MACRO REALIGNMENT

Precious metals reflect changing inflation expectations, policy outlooks, and reserve strategies

Overview

• Gold prices react to shifting macro signals, including interest-rate expectations and geopolitical developments.

• Major banks project continued strength, though with slower gains as monetary conditions evolve.

• Silver and industrial metals show diverging dynamics, reflecting both safe-haven demand and real-economy signals.

• Metals markets increasingly act as indicators of currency confidence and systemic risk.

Key Developments

Gold responds to macro and geopolitical cues
Gold prices have fluctuated as markets weigh softer dollar movements, bond yields, and developments surrounding geopolitical negotiations. Investors continue to use gold as a hedge against uncertainty, even as expectations for future rate cuts remain fluid.

Bank forecasts highlight structural demand
According to Reuters, major financial institutions expect gold to remain elevated into 2026, supported by central bank buying, geopolitical risk, and portfolio diversification — though the pace of gains may slow as inflation pressures ease.

Silver diverges from gold narrative
While gold remains driven by monetary and reserve considerations, silver pricing reflects its dual role as both a precious and industrial metal. Demand tied to manufacturing, energy transition technologies, and electronics continues to influence price behavior.

Metals reflect broader asset reallocation
Movements in precious metals are increasingly tied to reassessments of equities, bonds, and currencies, signaling a broader recalibration of global asset allocation rather than isolated commodity speculation.

Why It Matters

Precious metals continue to function as a barometer of confidence in monetary policy, sovereign debt sustainability, and geopolitical stability. As investors reassess inflation risks and long-term growth prospects, gold and silver prices provide early signals of stress or confidence within the global financial system.

Why It Matters to Foreign Currency Holders

Gold’s resilience reinforces its role as a neutral reserve asset outside any single currency system. For foreign currency holders, sustained central bank and institutional demand for gold signals hedging against dollar exposure and fiat currency debasement. As metals retain value amid policy uncertainty, they highlight growing diversification away from traditional reserve currencies and underscore shifting confidence in global monetary arrangements.

Implications for the Global Reset

Pillar 1: Metals as Monetary Anchors
Gold’s continued relevance reflects declining trust in purely debt-based monetary systems and renewed emphasis on hard assets.

Pillar 2: Reserve Diversification Accelerates
Central banks and sovereign funds increasingly balance currency holdings with tangible assets, reshaping global reserve composition.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “Gold rises as softer dollar, yields offset geopolitical optimism”

• Wall Street Journal – “Gold Is the Real Rival to the Dollar’s Reserve Status”

~~~~~~~~~~

EU Moves to Expand Carbon Border Levy as Climate-Trade Pressure Builds

Draft proposal widens CBAM scope, tightening cost pressures on global manufacturers

Overview

• EU plans to broaden its Carbon Border Adjustment Mechanism (CBAM) to include more industrial and energy-intensive products.

• Expansion would raise import costs for foreign producers with higher carbon footprints.

• Measure links climate policy directly to trade enforcement, reshaping global supply chains.

• Energy, steel, cement, chemicals, and manufacturing sectors face higher compliance pressure.

Key Developments

EU drafts expansion of carbon border levy
The European Union has released a draft proposal to widen its Carbon Border Adjustment Mechanism beyond its current scope. The expansion would apply carbon pricing to additional imported goods, particularly those tied to energy-intensive production, as part of the bloc’s climate strategy.

CBAM enforces climate policy at the border
CBAM requires importers to pay a levy reflecting the carbon emissions embedded in goods produced outside the EU. The goal is to prevent “carbon leakage,” where production shifts to countries with weaker environmental rules, undermining EU climate targets.

Trade competitiveness comes into focus
Industries in countries without comparable carbon pricing systems could face higher costs when exporting to Europe. This raises concerns among global trade partners that CBAM functions as a de-facto tariff, potentially triggering trade disputes.

Energy and industrial supply chains impacted
Energy-heavy sectors — including steel, aluminum, fertilizers, cement, and chemicals — are most exposed. The proposal could force producers worldwide to either decarbonize faster or lose access to one of the world’s largest consumer markets.

Why It Matters

The expansion of CBAM signals a structural shift where climate policy becomes a permanent feature of trade enforcement. As energy costs, emissions standards, and carbon pricing converge, global manufacturers must adapt or absorb higher costs — accelerating realignment of trade flows and industrial investment.

Why It Matters to Foreign Currency Holders

The expansion of the EU’s CBAM directly impacts foreign currency holders who trade with Europe, especially in energy-intensive industries. Higher import levies increase costs for exporters outside the eurozone, potentially reducing foreign currency inflows and affecting FX liquidity. Countries with high-carbon production may see weakened currency demand as exports become less competitive, while nations with low-carbon energy and manufacturing gain leverage. For global investors, CBAM adds a layer of currency risk and trade sensitivity, tying climate compliance to cross-border payments, hedging strategies, and reserve management in the evolving global financial landscape.

Implications for the Global Reset

Pillar 1: Climate Policy as Trade Weapon
Carbon pricing is no longer just environmental regulation — it is now a competitive trade mechanism influencing where goods are produced and sold.

Pillar 2: Energy Costs Reshape Global Manufacturing
Countries with cheaper energy but higher emissions risk losing market access, while low-carbon energy producers gain strategic advantage.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – EU plans to expand carbon border levy under draft proposal

• Financial Times – Carbon border taxes raise global trade tension concerns

• Europe to Bolster Carbon Border Levy Criticized by US and China

~~~~~~~~~~

Australia Pushes Emergency Gas Powers as Supply Risks Rise

Energy security concerns intensify amid domestic shortages and regional pressure

Overview

• Australia’s energy market operator seeks emergency gas purchasing powers to manage forecasted domestic supply shortfalls.

• Proposal faces resistance from Queensland, a key gas-producing state.

• Move highlights growing energy security concerns across Asia-Pacific markets.

• Governments increasingly intervene in energy markets as supply reliability becomes a strategic priority.

Key Developments

Emergency gas authority under consideration
Australia’s energy market operator has urged the federal government to grant it temporary emergency powers to procure gas directly if shortages threaten domestic supply. The proposal is aimed at preventing disruptions to electricity generation and industrial activity.

Queensland opposition underscores political friction
Queensland, which hosts significant gas production and export infrastructure, has pushed back against the proposal. State officials argue that additional federal intervention could distort markets and undermine existing commercial arrangements.

Energy security overtakes free-market principles
The push reflects a broader trend in which governments are prioritizing energy security over strict market discipline. Similar emergency measures have emerged globally as nations reassess vulnerabilities exposed by geopolitical shocks and volatile demand.

Asia-Pacific implications extend beyond Australia
Australia is a major LNG supplier to Asia-Pacific economies. Any domestic intervention that restricts supply or redirects gas inward could ripple across regional energy markets, affecting prices and contract stability.

Why It Matters

Energy reliability has become a cornerstone of economic stability and national security. Australia’s consideration of emergency gas procurement powers signals that even energy-rich nations are preparing for tighter conditions, reinforcing a global shift toward state involvement in strategic energy assets.

Why It Matters to Foreign Currency Holders

Energy market interventions in Australia have direct implications for foreign currency holders, especially those exposed to the Australian dollar (AUD) and commodity-linked currencies. Emergency gas procurement powers can tighten domestic supply, influence LNG exports, and affect regional energy pricing, which in turn impacts cross-border trade settlements and currency flows. For foreign investors and reserve managers, shifts in energy policy signal potential volatility in the AUD, higher transaction risk for energy-dependent economies, and the growing influence of state-directed energy policies on global capital and currency markets.

Implications for the Global Reset

Pillar 1: Energy Security Overrides Market Orthodoxy
Governments are increasingly willing to intervene directly in energy markets to protect domestic supply and economic continuity.

Pillar 2: Regional Energy Flows Under Pressure
As exporting nations prioritize internal needs, global LNG trade and pricing structures face long-term recalibration.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• The Australian – “Emergency gas power push accelerates despite Queensland’s objection”

• The Courier Mail -- "Energy civil war threatens to erupt as other states muscle in on gas"

~~~~~~~~~~

CANADIAN MARKETS SLIDE AS U.S. JOBS DATA SHIFTS RISK SENTIMENT

TSX underperforms as investors reassess growth, rates, and commodity demand

Overview

• Canadian equity markets weaken ahead of key U.S. jobs data, reflecting cautious global risk sentiment.

• Commodity-linked sectors lead losses, pressuring the TSX.

• Investors reassess interest-rate expectations, with U.S. labor data central to outlooks.

• Market hesitation highlights dependence on U.S. macro signals.

Key Developments

TSX futures decline ahead of U.S. employment report
Canadian market futures moved lower as investors positioned cautiously before the release of U.S. jobs data. The TSX, heavily weighted toward commodities and financials, reflected broader uncertainty around growth momentum and monetary policy direction.

Commodity weakness amplifies downside pressure
Energy and metals prices softened, weighing on Canadian equities. As a resource-driven market, the TSX remains highly sensitive to shifts in global demand expectations and pricing trends.

U.S. data dominates global positioning
Investors across North America reduced risk exposure as they awaited U.S. labor figures, which could influence Federal Reserve policy timing. Strong employment data may delay rate cuts, while weakness could accelerate policy easing.

Markets recalibrate growth and rate assumptions
The pullback underscores how tightly global equity markets remain linked to U.S. economic indicators, especially during periods of uncertain inflation and slowing global growth.

Why It Matters

Canada’s market performance highlights the fragility of risk appetite in a data-dependent environment. With commodities under pressure and monetary policy still restrictive, investors are increasingly selective, reinforcing volatility and reinforcing the dominance of U.S. economic signals in global capital flows.

Why It Matters to Foreign Currency Holders

Movements in Canadian markets reflect broader shifts in U.S. dollar liquidity and interest-rate expectations. For foreign currency holders, stronger U.S. labor data can reinforce dollar strength, tighten global financial conditions, and pressure non-U.S. currencies — particularly commodity-linked ones like the Canadian dollar. These dynamics influence cross-border capital flows, reserve strategies, and currency stability, making U.S. macro data a key driver in the evolving global monetary reset.

Implications for the Global Reset

Pillar 1: U.S. Data Drives Global Capital Allocation
Despite diversification efforts, global markets remain anchored to U.S. economic indicators and Federal Reserve policy signals.

Pillar 2: Commodity Economies Face Structural Sensitivity
Resource-heavy markets are increasingly vulnerable to demand slowdowns and tighter financial conditions, accelerating realignment in global investment patterns.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

• Reuters – “TSX futures fall as U.S. jobs data looms”

• Reuters – “Wall Street futures slip as investors brace for key U.S. jobs report”

~~~~~~~~~~

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Thank you Dinar Recaps

Not What you Think- CBI Meeting

Not What you Think- CBI Meeting

Edu Matrix:  12-15-2025

In a landmark move, the Central Bank of Iraq (CBI) recently convened the inaugural session of the Supreme National Committee for Virtual Assets Regulation, marking a significant milestone in the country’s journey towards embracing and regulating the rapidly evolving landscape of digital assets.

Chaired by CBI Governor Ali Mosen Alak, this multidisciplinary committee brings together senior representatives from various sectors, including regulatory, legal, financial, supervisory, scientific, technical, and communications bodies.

During the meeting, the committee took a thorough approach to understanding the global trends in digital assets and benchmarking international regulatory models. The focus was on striking a balance between fostering financial innovation and ensuring monetary and financial stability. Key areas of discussion included:

Compliance with Anti-Money Laundering (AML) and Combating Financing (CTF) standards: Ensuring that digital assets are not used for illicit activities.

Cyber risk management: Protecting consumers and financial institutions from cyber threats.

Consumer protection: Safeguarding the interests of individuals investing in digital assets.

Clear definitions and classifications of digital assets: Establishing a clear understanding of the digital asset landscape.

The committee emphasized a gradual and flexible regulatory approach, aiming to enhance transparency, improve service efficiency, and create a secure licensing environment that encourages innovation.

This initiative is part of Iraq’s broader government strategy, led by the Central Bank, to build a modern, safe, and sustainable digital financial ecosystem. The goals are multifaceted:

Preparing Iraq’s financial system for rapid technological advances: Ensuring the country’s financial infrastructure is equipped to handle the changing landscape.

Harmonizing with international financial standards: Aligning Iraq’s financial regulations with global best practices.

Promoting financial inclusion: Expanding access to financial services for all citizens.

Bolstering confidence in the banking sector: Strengthening trust in the financial system.

Safeguarding Iraq’s monetary sovereignty: Protecting the country’s financial independence in the face of a growing global digital economy.

The inaugural session of the Supreme National Committee for Virtual Assets Regulation represents a significant step forward in Iraq’s efforts to responsibly regulate the evolving landscape of virtual assets. By taking a comprehensive and multidisciplinary approach, Iraq is poised to create a secure and innovative financial ecosystem that promotes financial inclusion and safeguards the country’s monetary sovereignty.

As the world continues to navigate the complexities of digital assets, Iraq’s proactive approach serves as a model for other countries to follow.

As Iraq embarks on this new journey, it is clear that the country is committed to harnessing the potential of digital assets while minimizing the associated risks.

 With a clear regulatory framework and a multidisciplinary approach, Iraq is well-positioned to become a leader in the region’s digital economy. As we watch this space, it will be interesting to see how Iraq’s regulatory framework evolves and how it impacts the country’s financial landscape.

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

Tuesday Coffee with Mark. 12/16/2025

Tuesday Coffee with Mark. 12/16/2025

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 fellow RV’ers…Only 9 days til Christmas?? Where'd this year go???

Member: Iraq 2025- Stop the Stall and Happy Holidays

Member: Hi Mark, is there any truth to this statement? "Tier 4B groups worldwide are confirming appointments. The RV/GCR is not coming — it is here."

MZ: I think somebody’s a little ahead of the game. Do I have some groups in active talks and negotiations for a exchange in dollars? Yes. Have they been in active talks for the last 5 weeks? Yes.

MZ: This definitely tells us things are much closer.

MZ: Any bond news?

MZ: No word on historic bonds. I am chomping at the bit over this one. I am just not getting a response from anybody on if they have been funded or not yet. They were expecting Monday-Wednesday of this week….so we are in the window. I would hope we have an answer by tomorrow. Or silence is our answer?

Member: I believe a lot is happening, They are all keeping their mouths shut. Whether nda or just being smart.

Member: It could still be a shotgun start…..every is at the starting gate to all go at once.

Member: If Bond contacts are in Asia? USA could be next?

Member: Good Morning Mark, Whats your take on Sudani saying to the people of Iraq “Purchasing power within 4th quarter?”

MZ: I had not seen that comment…but he has made similar comments before that this would happen in the 4th quarter of this year. I won’t be upset if it goes in the 1st quarter of next year because they are pushing hard….There is a lot going on in Iraq.

MZ: There is a serious hard push to get Sudanis former Prime Minister position filled. Many believe its going to be his position again…..lots going on right now

Member: What are countries going into the first basket ??

Member: Old list but hopefully still accurate: 1. US 2. UK 3. Kuwait 4. Canada 5. Mexico 6. Russia 7. China 8. Venezuela 9. Iranian Rial 10. IRAQ 11. Indonesia Rupiah 12. Malaysia 13. Vietnamese 14. Brazil 15. Saudi Arabia 16. Qatar 17. United Arab Emirates 18. Turkey 19. Afghanistan possibly20. India 21. Libya 22. Japan23. Zimbabwe …guess we will see

Member: so Mark in Kuwait they revalued on a Sunday. Released on next bakingbday Monday. When did they tell the public about revaluation what day?

MZ: I thought it was on a Thursday , But they did not let the world know for 10 days. They kept it in-country only and under wraps for 10 days. That is what my friends involved in it told me.

MZ: “National Bank of Iraq receives $100 million in financing from the European Bank from reconstruction and development” If you are looking for someone to put an exclamation mark on the phrase “safe and stable” …here you go. This is not a company to roll the dice investing. They believe Iraq is a safe and stable and attractive investment atmosphere.

Member: There is a rumor that Iraq contacts telling the TV news that contractors were going to protest over the new rate ….it hasn't been implemented

Member: Does anyone actually know who controls the (RV) Flip? Is it an Algorithm or Pres Trump or the CBI????

Member: If you listen to Frank26- DJT is the only one running the show in Iraq.

MZ: There is a lot of pressure. But he is not the only one running anything.

Member: Just remember Mr C says the Dragon Family will not release the bullion for the RV until “public” perp walks!

MZ: He also said those things could happen at the same time “hand in hand” . I think they will come at exactly the same time. RV and arrests.

Member: 5 years ago, Iraq did a rate change, and the date was December 20th.

MZ: I think it was in the wrong direction that year and they went from 1152 or something to 1400 or so….   something like that.. But historically they like this time of year for rate changes.

Member: Seems to be a lot of distractions going on all at once, RV may go any minute…IMO

Member: I feel like I’m in the car and my kids are in the back saying are we there yet? Are we there yet?

Member: sometimes I feel like I'm on the longest car ride of my life and the driver don't know where he's going

Member: Just remember Christmas and Easter are the best times to open the St. Germaine Trust…..so keep the faith .

Member: Quitting is not an option……it will happen SUDDENLY

Dr. Bruce Fong with Nutronics labs joins the stream. Please listen to replay for his information.

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

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

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

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

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

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

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

Youtube:     https://www.youtube.com/watch?v=f0i7GsJdowI

“Tidbits From TNT” Tuesday 12-16-2025

TNT:

Tishwash:  Iraq and the United States discuss strengthening political, security, and economic cooperation.

Iraqi Foreign Minister Fuad Hussein discussed on Monday with the US Chargé d'Affaires in Baghdad, Ambassador Joshua Harris, ways to enhance cooperation in various political, economic and security fields.

A statement from the ministry, received by “Dijlah News”, stated that “Deputy Prime Minister and Minister of Foreign Affairs, Fuad Hussein, received on Monday, December 15, 2025, the Chargé d’Affaires of the US Embassy in Baghdad, Ambassador Joshua Harris.”

He added that “the meeting discussed bilateral relations between Iraq and the United States, and ways to strengthen them in a manner that serves the common interests of the two countries and enhances cooperation in various political, economic and security fields.”

According to the statement, the minister pointed to the ongoing political movement in Iraq and the constructive discussions between the political blocs to form the new government, stressing “the importance of consolidating political stability and strengthening national understanding in a way that positively impacts the course of the democratic process.”

He explained that “the two sides discussed regional and international developments, and exchanged views on issues of common interest, stressing the importance of coordination and consultation regarding current challenges.”

He noted that “both sides stressed the need for calm in the region and to work to reduce tensions in a way that contributes to supporting regional security and stability.”  link

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Tishwash: Al-Rafidain: 2,495 savings accounts, 136 current accounts, and 27 deposits opened for customers last month

Al-Rafidain Bank announced on Sunday that it had opened 2,495 savings accounts, 136 current accounts, and 27 deposits for customers during the past month.

 A statement received by Al-Rabaa said: "In a clear sign of growing public confidence and an accelerated shift towards international standards, Rafidain Bank recorded remarkable banking activity during November, culminating in the opening of thousands of new accounts in its branches across Baghdad and the provinces."

 It added that "the number of savings accounts opened for citizens reached 2,495 in local and foreign currencies, in addition to 136 current accounts and 27 deposits, directly reflecting the diversity of banking products offered by the bank and its ability to meet the needs of different segments of customers."

 He emphasized that "this advanced performance confirms the position of Al-Rafidain Bank as a leading national banking institution, combining geographical reach, quality of services, and commitment to international professional standards, with a focus on providing a secure and flexible banking experience that meets the expectations of individuals and institutions alike."

 The bank noted that it "continues to develop account opening and deposit services in accordance with sound regulatory controls, thereby promoting a culture of savings and investment and supporting financial inclusion and economic development in Iraq, calling on citizens to visit its branches to learn about the details of the banking services and benefits available."

 He added that "this activity is part of Al-Rafidain Bank's vision to consolidate its role as a state bank with international standards, leading the banking transformation, embodying trust, and placing the customer at the heart of the banking process."    link

Tishwash:  Iraq begins the countdown... 90 complex days to form the three branches of government

Following the ratification by the Supreme Federal Court, the highest judicial authority in Iraq, of the final results of the parliamentary elections for the sixth session, the Iraqi political scene has entered a new and sensitive phase, representing the official transition from the electoral process to the formation of the three constitutional authorities: the legislative, the executive, and the presidency of the republic.

Observers confirm that the Federal Court’s ratification yesterday, Sunday, is not merely a formal or procedural step, but rather the decisive constitutional condition that makes the election results effective and binding, and practically announces the readiness to launch a new parliamentary session with all its political entitlements, potential conflicts, and hopes for a different administration than the previous sessions, which were marked by delay and deadlock.

Constitutional legitimacy

Legal expert Nawfal Al-Hayani affirms that the Federal Supreme Court’s ratification of the final election results represents the full constitutional legitimacy of those results, based on the text of Article (93/Seventh) of the Constitution of the Republic of Iraq for the year 2005.

Al-Hayani explains in an interview with Shafaq News Agency that the House of Representatives is not considered constitutionally valid and the parliamentary session does not come into effect except from the date of this ratification, stressing that any parliamentary procedure that precedes the ratification is considered to have no constitutional effect by virtue of the constitution, as it is the highest and supreme law in the country.

According to Al-Hayani, the next step immediately after ratification is for the President of the Republic to invite the members of the House of Representatives to convene for their first session, in accordance with the provisions of Article (54) of the Constitution.

If the President of the Republic does not make this invitation, the Council shall automatically convene on the sixteenth day from the date of ratification, and the session shall be chaired by the oldest member.

The first session of the House of Representatives constitutes the cornerstone in building constitutional authorities, as its agenda is constitutionally limited to taking the constitutional oath and electing the Speaker of the House of Representatives and his two deputies.

Al-Hayani points out that completing this step means completing the formation of the legislative authority, and then moving on to the second entitlement, which is the election of the President of the Republic within a period not exceeding thirty days from the date of holding the first session, in accordance with the provisions of Article (70) of the Constitution.

legal deadlines

For his part, legal expert Abbas Al-Aqabi explains that the Iraqi constitution drew a clear timeline for the formation of authorities, starting with Article (54), which obligated the current president of the republic to call the new parliament to convene within 15 days of the date of ratification.

Al-Aqabi confirms to Shafaq News Agency that the first session, which is held at the invitation of the President of the Republic, witnesses the election of the Speaker of Parliament, the First Deputy Speaker and the Second Deputy Speaker, after which the door is opened for nomination to elect the President of the Republic, as the House of Representatives is obligated to elect him within 30 days from the date of the first session, by a two-thirds majority (i.e., 220 deputies) out of a total of 329.

Al-Aqabi adds that the election of the President of the Republic opens the door to the most important stage, which is the appointment of the Prime Minister, as the President of the Republic, within 15 days, appoints the candidate of the largest parliamentary bloc to form the government.

As for the designated candidate, he has a deadline of 30 days to present the ministerial cabinet and the ministerial program to the House of Representatives to obtain confidence by an absolute majority, (half plus one), i.e., 165 deputies or more.

Al-Aqabi concludes that the sum of these periods constitutes a maximum time ceiling of 90 days, which – theoretically – can be reduced but cannot be increased, because the constitutional text explicitly defined them.

Constitution and reality

Despite the clarity of these timelines, the Iraqi political experience since 2003 reveals a significant gap between the constitutional text and practical application. The issue of delaying the formation of governments and the election of presidencies has become a recurring phenomenon, due to political disputes and sectarian and ethnic balances.

After the March 2010 elections, it took about seven months and 18 days to form a government, due to the dispute over the largest bloc and the right to nominate the prime minister.

In 2020, Mohammed Tawfiq Allawi was tasked with forming the government following the resignation of Adel Abdul Mahdi, but he later apologized for the task, in a clear example that obstruction can occur even after the official assignment.

After the October 2021 elections, Iraq entered one of its longest periods of political vacuum, with the formation of the government delayed for more than nine months, and was not resolved until October 2022, with the formation of the government of Mohammed Shia al-Sudani.

The three presidencies

Therefore, Ghazi Faisal, head of the Iraqi Center for Strategic Studies, believes that the Federal Court’s ratification and the parliament’s approval of the sixth session represents a pivotal step, but it does not mean the end of the complications.

Faisal explains to Shafaq News Agency that, according to the constitution, the President of the Republic will call on Parliament to convene within 15 days to elect the oldest member and manage the first session, then elect the Speaker of Parliament and his two deputies, and thus the legislative authority will be formed.

Then the parliament moves to the second stage, which is the election of the president of the republic, a stage that is often the most complicated, especially in light of the disputes within the Kurdish house.

According to Faisal, the presidency, according to previous political norms, goes to the Patriotic Union of Kurdistan, but the Kurdistan Democratic Party believes that it has the right to compete for the position.

If both parties nominate two people, one from the Union and the other from the Democrats, the decision will be made through a vote in the House of Representatives. However, the two-thirds quorum requirement opens the door to what is known as the "blocking third," which may lead to prolonging the sessions to elect the president, as happened in the 2021 session.

Faisal points out that the election of the president will not be completed politically until there is agreement within the coordinating framework (which brings together the ruling Shiite political forces in the country) on the personality of the prime minister, under the system of political and sectarian power-sharing.

After the candidate is appointed, the stage of distributing ministerial portfolios begins according to the points system and the parliamentary weight of the parties, a stage that is no less complex than its predecessors, and often witnesses objections and difficult negotiations before granting confidence.

Sunni choice

On the Sunni component, Nawaf al-Ghurairi, a leader in the Sovereignty Party headed by Khamis al-Khanjar, affirms that the formation of the government is governed by constitutional timelines that cannot be exceeded, calling on all blocs and representatives to adhere to them in order to form the government as quickly as possible.

Al-Ghurairi reveals to Shafaq News Agency that the choice of the Speaker of Parliament "has been decided within the Sunni component to be Muhammad al-Halbousi," but this proposal is not without objections.

Meanwhile, former MP Bassem Khashan continues to raise the possibility of excluding the head of the "Progress" party, Mohammed al-Halbousi, based on a previous decision by the Federal Court to dismiss him from the presidency of Parliament, and accusations related to the forgery of official documents, which he describes as a "crime of dishonor."

In contrast, the Sunni arena is witnessing intense activity within the National Political Council (which includes the Sunni forces that won the elections), which held an expanded meeting in the capital, Baghdad, on Sunday evening, to discuss the names of candidates for the presidency of Parliament.

According to various sources in the council who spoke to Shaq News Agency, the number of candidates for the presidency of parliament has decreased from six to three, with talk of a "near consensus" on Muthanna al-Samarrai, in addition to the continued inclusion of the names of al-Halbousi and Thabit al-Abbasi.

Coordination framework

In parallel, the leaders of the Coordination Framework held their meeting last Monday, which witnessed an important discussion about choosing a candidate for the premiership. According to sources from Shafaq News Agency, specific dates were agreed upon to resolve the entitlements, with three prominent names being discussed, including outgoing Prime Minister Mohammed Shia al-Sudani, former Prime Minister Haider al-Abadi, and a third "surprise" figure.

The Coordination Framework had previously set conditions and criteria that must be met by candidates for the position of head of the new government, most notably that he should not be the leader of a political bloc, then it softened them, which opened the door for most of the forces within the framework to submit their candidates for the position, according to what a political source told Shafaq News Agency earlier.

Imran al-Karkoushi, a member of the State of Law Coalition led by Nouri al-Maliki, confirms that completing the election of the three presidencies according to their constitutional timetable depends mainly on political agreements between the different blocs.

Al-Karkoushi, speaking to Shafaq News Agency, indicated that this session is expected to proceed in an organized manner and without exceeding the specified legal deadlines, unlike what happened in previous sessions, which witnessed long delays due to political disputes.

Kurdish commitment

For his part, Wafaa Muhammad Karim, a leader in the Kurdistan Democratic Party, believes that the constitutional deadlines were not respected in previous sessions, especially in the election of the president and the formation of the government.

Karim, speaking to Shaq News Agency, points out that an agreement between the two Kurdish parties (the Union and the Democratic) on a single candidate for the presidency could speed up the process, while going with two candidates would mean entering into alliances with other forces and prolonging the entitlement.

According to the political balance that emerged after 2003, the distribution of sovereign positions in Iraq became influenced by sectarian and political quotas; where political custom dictates that the position of Prime Minister is allocated to the Shiite component, while the position of President of the Republic is allocated to the Kurdish component, while the Sunni component assumes the presidency of the House of Representatives  link

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Mot: One of the best Christmas Commercials. Chevy really did an awesome job!

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