Calls, Chats and Rumors DINARRECAPS8 Calls, Chats and Rumors DINARRECAPS8

Bruce’s Big Call Dinar Intel Thursday Night 12-18-25

Bruce’s Big Call Dinar Intel Thursday Night 12-18-25

Transcribed By WiserNow Emailed To Recaps   (INTEL ONLY)

Welcome everybody to the big call tonight it is Thursday, December 18th and you're listening to the big call. Tonight Bob will be joining us around 930 Eastern tonight, and he had a special event in the Tampa area. And so in the meantime, let's just welcome everybody to the call. Thanks for tuning in, wherever you are, Sue, and I will take this until Bob gets here about 930 so you're at the right place at the right time, and we're happy about that.

All right. So thank you, Bob again. I'm so glad you made it to the event and then made it out to the call. Let's get into some intel. Let's see where we stand. President Trump had a speech last night at nine o'clock that was 18 minutes long, and it was a review. It was a year of reviewing accomplishments that the President his Cabinet had made over the last 10 months, and he talked in terms of some future things. There were two things that were new that I didn't know about until I heard them,  One was it looked like it was going to be like a warrior dividend, or a warrior bonus, something to that effect.

Bruce’s Big Call Dinar Intel Thursday Night 12-18-25

Transcribed By WiserNow Emailed To Recaps   (INTEL ONLY)

Welcome everybody to the big call tonight it is Thursday, December 18th and you're listening to the big call. Tonight Bob will be joining us around 930 Eastern tonight, and he had a special event in the Tampa area. And so in the meantime, let's just welcome everybody to the call. Thanks for tuning in, wherever you are, Sue, and I will take this until Bob gets here about 930 so you're at the right place at the right time, and we're happy about that.

All right. So thank you, Bob again. I'm so glad you made it to the event and then made it out to the call. Let's get into some intel. Let's see where we stand. President Trump had a speech last night at nine o'clock that was 18 minutes long, and it was a review. It was a year of reviewing accomplishments that the President his Cabinet had made over the last 10 months, and he talked in terms of some future things. There were two things that were new that I didn't know about until I heard them,  One was it looked like it was going to be like a warrior dividend, or a warrior bonus, something to that effect.

And it was 1.45 million military all of our military people, men and women, would be receiving, and this was supposed to be by Christmas, they would be receiving a check, which could be a direct deposit. In some cases, I don't know that. It seems like it would be, but some people, I think in the military, are still receiving checks, and the value was to be $1,776

1776 a very important year for us. And you know, later next year, in July, we'll be celebrating our 250th year anniversary with 1776 and so that means that's meaningful. That's one new thing that is going out. The military is going to be very thankful, I'm sure, for that Christmas gift. And the other thing that was new was, let me think that was for a second.

The other thing that was new was a new website that President Trump has had made, which is about prescription drugs and maybe health things, and it's going to be called, or it is already called, Trump rx.gov, G, O, V, Trump, rx.gov and I don't know there's anything on it yet, but there will be, and I'm sure he's working things out to make it very important, informative, and possibly a way for us to save money for anybody that needs any prescription medications. All right, so those two were new.

He did not mention, obviously, he didn't mention the RV. He didn't mention DOGE. He didn't mention a lot of things. Didn't, you know, he did talk about a lower interest. Of course, those are going to come when we can get Jerome Powell to resign, hopefully early, and he has a new person in mind already. I know, as I was told, his name, that will be taking over that position as chairman of the Fed.

And then I think we have heard that not only will interest rates be lower, but it will be more affordable for first time home buyers. A lot of the first time home buyers are 40 to 42 years old on average before they can buy home

Now, in my era, when I came up, you would be in your 20s, 25 / 28 whatever, buy your first home. And so this is going to be helpful for a lot of people. Now, mortgage rates will be far lower. I've heard very low interest rates for mortgages. So we'll see how this thing home goes. I don't anticipate ever borrowing money ever after we get the RV and the blessing,

okay. I mean, really, it's going to be paying cash for things that we used to have to borrow money for not going to be rest. We're not going to need that.

So what else? Okay? I have heard a few things about our timing.

Now I told you guys Tuesday that I believe it's President Trump's plan to get this done for us before Christmas.  Well, I got clarification on that for two very different sources that are both very high up.

Okay, and so I'm going to give you both opinions.

One opinion came as a result of the contact with HSBC in Canada. HSBC is the lead bank in Canada and basically around the world for this RV, our league in the United States here is Wells Fargo.

This came from HSBC.

HSBC is saying that we would be ….  all right. Here's what they said. Let's go to the added groups. Now, we always refer to that as tier 4A and us in the Internet Group as tier 4B Okay, using those designations, even though Wells Fargo considers us all as part of tier 4.

That's fine, except we have heard that tier 4A or the admirals groups, would be paid tomorrow and Saturday. That's Friday and Saturday of this week. Now they didn't say when they have access to those funds in their accounts?

That's another question, but they're supposed to at least have the funds put into their accounts tomorrow and Saturday.

Okay, what about us? We're hearing from this course that we would receive notifications very early next week, Monday and Tuesday, this coming week, Monday and Tuesday, but we would have the exchanges and redemption of ZIM at the redemption centers, starting the day after Christmas, which is the 26th

We also heard that this has to be complete for us, and I mean that we have to be started with exchanges  before the 29th of December. Before the 29th equals 26 27th  and 28th  days, those are the three days after Christmas, before the 29th so I think we can set our watch based on that. That's what we should be looking for.

Now,  the other source was very similar, and this is how it was said.

The other source said we would be notified prior to Christmas on very early this coming week, which would be Monday, Tuesday, because remember, Christmas Eve is Wednesday, Christmas day is Thursday. One week from today, will you be notified Monday or Tuesday, and then begin exchanges after Christmas?

So what's the difference in these? The second one said that they anticipate the announcements that Emergency Broadcast System announcements start over  this coming weekend, if they started over this weekend, it would be notified  for Monday or Tuesday  

Ok are you with me, so that's two ways to look at it, but the last way said we need to see the EVS announcement, which includes some information, military tribunals , a few things that a lot of people out there are going to be totally in shock about   you and I know a lot of stuff that’s been going – we know are not a shock to us – we know about it. Know about it already.

However, what's interesting is CNN has had a change in some ownership, and it's actually coming to the bar a little bit.

My understanding is that CNN, of all networks, may be a primary network use for EBS to be transmitted. I'm also, I also said 24 hours of programming, whatever.

No, we're looking for six hours a day of programming how many networks, conversations it'll be on? Several be pretty boggling Information coming out.

Anyway, this is gonna go for like six hours a day, and it starts on the weekend, Saturday, Sunday. I don’t know how long it's going to go? How many days it's going to go,

By the way, while I’m talking about days -- You've all heard theory of 10 days of darkness and all of that. It's nonsense -  except  the concept of people are being arrested, still going hot and heavy on arrest in certain areas of the country -  certain cities, certain times seem to be like a rolling blackout, because some of those areas will lose internet service, phone service - possibly even lose electricity,

I’m thinking more it's gonna be more phone and internet, and it's just so that the deep state cannot communicate what's going on between them. That's the dark that we're talking about, it's not for us. President Trump would never put us in darkness, not going But it may occur  in some of the areas of the country - to happen sometimes, so that they pick up the bad guys. All right.

Both of these scenarios are good -Oh, the first one is really good, because we get notified before Christmas, so it’s almost like getting that gift, on Christmas Eve – and  opening your on Christmas Day families that did that, we have the information that comes in that email And we call seven that's we're halfway home.

Second half is getting into the redemption center at our appointed time, not early, not really, and then getting your exchanges. Not more than ten minutes early  getting your exchanges and getting your Zim redeemed and boom you come out of the redemption center

I'm trying anything that you guys need to know.

Really think we're at the point where we've got information that's lining up – let’s watch for EBS over the weekend. Watch for it -  I don't expect to get anything before, but I am looking forward to getting notified Monday or Tuesday of next week, especially if we do get notified, set our appointments for the 26  / 27 / 28 let's go ahead and realize that that is going to be a wonderful, wonderful Christmas gift from God, this blessing.

Now, what about Tuesday? Yes, we're planning to have a call Tuesday. It could be a celebration call, if we have the numbers right, you guys have emails either Monday, Tuesday from Wells Fargo have the 800 number in it. If that is the case, Tuesday, we'll have a celebration call

What about Thursday? Christmas Day?

Could we have more information then that we don't have even next Tuesday. Maybe, maybe not – maybe we've got the 800 numbers and we're good to go and we have,  everything we've looked for. Okay, that's a possibility.

However Thursday night Sue and I are available to do a call Christmas night.

Now, I would say it this way. We'll do it if we don't have 800 by then, or if we haven't had the celebration call on the Tuesday, , and we have more information, and we feel there's a need to do a call. We will do the call Thursday night, Christmas night.

So if you don't have plans for Christmas night, you've got Christmas done in the morning, you've had your Christmas dinner that afternoon, and you're looking around for movies or whatever to watch on Christmas, consider the big call may be on Same time, same station, nine o'clock Eastern. You know the drill. You know the number now that would occur if we don't have numbers before Christmas.

If you think we will, we should, and maybe we'll discuss some of the stuff. We'll just see if we have it or not, but Sue and I are prepared to do it, to do the call, and just be the soon brew show on Christmas night.

That's what I wanted to say for everybody. And I really appreciate Bob making it to the big call night and doing a segment very beautifully. I love the testimonials. I love what Sue brought to us tonight, everything from the teaching to her segments,  let's go ahead and thank everybody to for doing that again tonight. Excellent information. Excited.

So thanks everybody again. Let's go ahead and pray the call out, and then we'll turn off the recording. Well good night everybody, and we will talk to you, on Tuesday, and let's see what happens over the weekend with the EBS, pay attention to that. Okay. God bless you all. Good night.

Bruce’s Big Call Dinar Intel Thursday Night 12-18-25 REPLAY LINK   Intel Begins   1:02:02

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Bruce’s Big Call Dinar Intel Tuesday Night 12-9-25 REPLAY LINK   Intel Begins   1:08:08

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Bruce’s Big Call Dinar Intel Thursday Night 12-11-25 REPLAY LINK   Intel Begins   1:21:00

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Bruce’s Big Call Dinar Intel Thursday Night 12-4-25   No Transcription   Intel Begins  1:17:33

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Bruce’s Big Call Dinar Intel Tuesday Night 12-2-25 REPLAY LINK   Intel Begins   1:07:20

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Bruce’s Big Call Dinar Intel Thursday Night 11-28-25 Thanksgiving NO CALL

Bruce’s Big Call Dinar Intel Tuesday Night 11-25-25 REPLAY LINK   Intel Begins   1:06:06

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Bruce’s Big Call Dinar Intel Thursday Night 11-20-25 REPLAY LINK   Intel Begins   53:30

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Bruce’s Big Call Dinar Intel Tuesday Night 11-18-25 REPLAY LINK   Intel Begins   1:13:03

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Bruce’s Big Call Dinar Intel Thursday Night 11-13-25 REPLAY LINK   Intel Begins   1:10:20

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Bruce’s Big Call Dinar Intel Tuesday Night 11-11-25 REPLAY LINK   Intel Begins   1:24:24

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Bruce’s Big Call Dinar Intel Thursday Night 11-6-25 REPLAY LINK   Intel Begins   38:38

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Bruce’s Big Call Dinar Intel Tuesday Night 11-4-25 REPLAY LINK   Intel Begins   45:35

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Economics, Chats and Rumors Dinar Recaps 20 Economics, Chats and Rumors Dinar Recaps 20

Stephanie Starr: They Said it out Loud

Stephanie Starr: They Said it out Loud

12-19-2025

Channel 8 English:  “With falling oil prices and forecasts such as JPMorgan’s outlook on future oil markets, the next government may find no financial exit except changing the exchange rate in order to pay salaries, wages, and operating expenses,” Iraqi economist Abdulrahman al-Mashhadani emphasized.

Stephanie Starr: They Said it out Loud

12-19-2025

Channel 8 English:  “With falling oil prices and forecasts such as JPMorgan’s outlook on future oil markets, the next government may find no financial exit except changing the exchange rate in order to pay salaries, wages, and operating expenses,” Iraqi economist Abdulrahman al-Mashhadani emphasized.

THEY SAID IT OUT LOUD.

“With falling oil prices… the next government may have **no financial exit except changing the official exchange rate.” — Iraqi economist on Channel 8.

Read that again.
Not borrowing.
Not printing.
Not devaluing.
CHANGING the rate.

Meanwhile:
Banking reforms underway
Tax systems being rebuilt
Spending reviewed
Sovereignty restored
War-era laws repealed

This is what pressure before a pivot looks like.

This is how governments prepare the public before big monetary moves.

When the problem is dinars…and the solution is the rate…

We are closer than most people think.

Source(s): https://x.com/StephanieStarrC/status/2001690353712402545

https://dinarchronicles.com/2025/12/19/stephanie-starr-they-said-it-out-loud/

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Frank26, KTFA Dinar Recaps 20 Frank26, KTFA Dinar Recaps 20

FRANK26….12-19-25……QUESTIONS TO ECONOMIST

KTFA

Friday Night Video

FRANK26….12-19-25……QUESTIONS TO ECONOMIST

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#

KTFA

Friday Night Video

FRANK26….12-19-25……QUESTIONS TO ECONOMIST

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=JgX-Gv2KXkQ

 

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Economics, News DINARRECAPS8 Economics, News DINARRECAPS8

Seeds of Wisdom RV and Economics Updates Friday Afternoon 12-19-25

Seeds of Wisdom RV and Economics Updates Friday Afternoon 12-19-25

Good Afternoon Dinar Recaps,

Market Turmoil and Liquidity Signals: Global Stocks & Bonds Shift

Equities fluctuate as inflation cools, bond markets steady, and investor caution rises

Seeds of Wisdom RV and Economics Updates Friday Afternoon 12-19-25

Good Afternoon Dinar Recaps,

Market Turmoil and Liquidity Signals: Global Stocks & Bonds Shift

Equities fluctuate as inflation cools, bond markets steady, and investor caution rises

Overview

• Major U.S. equity mixed performance despite easing inflation
Inflation data showed slower price gains, lifting stocks though tech weakness persists.

• Continued volatility in major indexes
Indexes had consecutive losses amid renewed tech pressure and soft labor data.

• Fed liquidity measures calm year-end funding stress
U.S. Treasury bill purchases aim to reduce repo market strain into year-end. 

• EU joint debt issuance welcomed by markets
Investors viewed €90B shared Ukrainian loan positively for fiscal unity.

Key Developments

Stocks show internal divergence
U.S. markets saw gains on one day while global indices oscillated, reflecting lingering AI bubble concerns and anticipation of future rate moves. 

Bond markets show resilience
Yield trends stabilized as investors digest Fed liquidity support, though long-end yields remain sensitive to inflation and growth data.

EU joint borrowing signals fiscal evolution
EU’s decision to issue joint debt for Ukraine reinforces investor confidence in euro-area policy unity—even as debt supply grows. 

Sentiment cautious on banks and sectors
Contrarian signals from fund managers indicate overly bullish positioning may be topping, suggesting risk management ahead.

Why It Matters

Markets are wrestling with slowing inflation, mixed economic cues, and structural shifts in fiscal policy. These dynamics influence capital flows, risk pricing, and whether markets embrace stability or correction phases—key drivers in broader financial reconfiguration.

Why It Matters to Foreign Currency Holders

Currency valuations respond to yield expectations and safe-haven flows. With global yields and fiscal policies shifting, foreign exchange portfolios may need recalibration.

Implications for the Global Reset

Pillar 1: Liquidity Anchors & Fiscal Integration
Central bank interventions and joint sovereign debt frameworks signal evolving global financial cooperation.

Pillar 2: Risk Adjustments in Capital Markets
Investor repricing of risk across equities and bonds shows deeper structural shifts in global capital allocation.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Banking & Crypto Integration: U.S. Fed Rewrites Rules—Opening Doors

Federal Reserve removes barriers and U.S. regulators accelerate digital-asset integration

Overview

• Fed eliminates risk stigma blocking banks from crypto services
New framework allows standard risk assessments for crypto engagement. 

• CFTC expands digital assets in derivatives markets
Recent guidance allows major digital assets as acceptable collateral.

• UK crypto regulatory consultation accelerates oversight
FCA invites public feedback on comprehensive crypto rules. 

• Tokenization and stablecoins reshape settlement infrastructure
Stablecoin market caps and institutional use grow as settlement tools. 

Key Developments

Fed rescinds restrictive guidance
Federal Reserve withdrew official guidance that limited banks’ ability to engage with crypto, aiming for ‘responsible innovation’ under existing risk management. 

CFTC enhances futures market participation
New no-action relief allows payment stablecoins, Bitcoin, Ether, and tokenized funds as collateral, boosting institutional crypto use. 

 

UK pushes comprehensive crypto rules
Financial Conduct Authority launched a detailed consultation on crypto asset listings, safeguards, and prudential requirements, aiming for a 2027 regulatory regime. 

Stablecoins become critical payments backbone
Market data shows stablecoins acting as de-facto settlement infrastructure with significant market cap and institutional interest. 

Why It Matters

Regulatory clarity is pivoting toward mainstream integration of crypto into banking and capital markets. This paradigm shift pushes digital assets from fringe speculation to core financial plumbing.

Why It Matters to Foreign Currency Holders

Digital assets and tokenized money markets could influence FX liquidity, cross-border payment rails, and reserve asset composition, reshaping currency strategy.

Implications for the Global Reset

Pillar 1: Digital Assets as Financial Infrastructure
Crypto and stablecoins are evolving from speculative assets to systemic settlement layers.

Pillar 2: Aligning Traditional Finance With Decentralized Systems
Regulators balancing innovation and risk signal a new phase of hybrid finance.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Energy & Trade Realignment Signals Post-Dollar Power Shift

Strategic energy deals accelerate as nations move pricing and trade outside U.S.-centric frameworks

Overview

• Major energy producers and consumers are locking in long-term supply agreements amid rising geopolitical risk
• Energy pricing and settlement structures are quietly shifting away from exclusive dollar dependence
• Trade corridors are being redesigned to bypass traditional Western-controlled chokepoints

Key Developments

• Multiple bilateral and bloc-level energy deals finalized using alternative settlement structures
• Expansion of non-dollar energy trade among BRICS-aligned and Global South nations
• Increased state control over energy assets as governments prioritize supply security
• Long-term contracts replacing spot-market exposure amid volatility

Why It Matters

Energy has become a strategic monetary anchor in the global restructuring. As nations secure supply and experiment with non-dollar settlement, energy markets are no longer just about fuel — they are about sovereignty, currency leverage, and insulation from sanctions risk. This marks a decisive step in dismantling the post-Bretton Woods trade order.

Why It Matters to Foreign Currency Holders

For holders of foreign currencies, cross-border assets, and trade-exposed investments, energy and trade realignment carries immediate and long-term consequences:

• Energy Pricing Influences Currency Stability: As energy contracts shift toward non-dollar settlement, currencies tied to energy trade may gain relative strength, while dollar-dependent importers face increased FX volatility.

• Reduced Dollar Recycling Weakens Liquidity Assumptions: Long-term energy deals settled outside the dollar system reduce global dollar circulation, impacting liquidity conditions that foreign currency holders have historically relied upon.

• Trade Route Realignment Alters FX Demand: New bilateral and bloc-based trade corridors reshape demand for settlement currencies, affecting exchange rates beyond traditional market signals.

• Energy-Backed Trade Supports Hard-Asset Valuation: Currencies linked to energy production and commodity exports gain structural support, while fiat currencies lacking resource backing may face devaluation pressure.

For foreign currency holders, these shifts signal a move away from predictable, dollar-anchored trade flows toward a resource-influenced currency landscape, where energy access and settlement choice increasingly drive value.

Implications for the Global Reset

Pillar: De-Dollarized Trade Infrastructure
Energy pricing outside the dollar weakens its dominance in global trade settlement.

Pillar: Hard-Asset Anchoring
Energy joins gold and commodities as a stabilizing force in the emerging system.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Sovereign Debt Stress & Currency Defense: Nations Move to Protect Balance Sheets

Governments restructure debt and fortify reserves as refinancing risks intensify

Overview

• Sovereign debt pressures are accelerating as countries face elevated refinancing costs
• Governments are restructuring obligations and adjusting FX frameworks to defend currencies
• Reserve strategies are shifting amid rising volatility in global capital markets

Key Developments

• Ukraine Restructures GDP-Linked Debt: Ukraine finalized a deal to restructure $2.6 billion in GDP-linked warrants, removing a major long-term liability that could have sharply increased future repayment burdens.
• Argentina Adjusts FX Bands and Reserve Policy: Argentina modified its foreign exchange bands and outlined a reserve-building strategy to stabilize the peso and restore investor confidence.
• Yuan-Denominated Debt Expands: Global borrowers increasingly turn to yuan funding, signaling diversification away from U.S. dollar-centric debt markets.

Why It Matters

Rising sovereign debt stress highlights the fragility of the existing financial system. As governments prioritize balance-sheet survival over growth, these actions signal preparation for systemic monetary transition. Debt restructuring, FX intervention, and reserve diversification are not emergency tactics — they are strategic positioning for a changing global order.

Why It Matters to Foreign Currency Holders

For holders of foreign currencies, sovereign bonds, or cross-border assets, these developments carry direct implications:

• Currency Defense Measures Can Alter Liquidity: FX bands, controls, and intervention policies can restrict convertibility and impact exit timing for foreign holders.
• Debt Restructuring Changes Risk Profiles: Ukraine’s restructuring illustrates how payout terms, maturities, and expected returns can shift rapidly under stress.
• Reserve Diversification Impacts Valuations: Growing use of non-dollar funding — particularly yuan issuance — may affect relative currency strength and long-term purchasing power for foreign holders.

Together, these moves signal a less predictable environment for foreign currency exposure, where policy decisions increasingly override free-market assumptions.

Implications for the Global Reset

Pillar: Sovereign Balance-Sheet Defense
Governments are restructuring liabilities and reserves to survive monetary transition.

Pillar: Multipolar Currency Evolution
Debt stress accelerates diversification away from a single-reserve-currency model.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

 

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Advice, Personal Finance DINARRECAPS8 Advice, Personal Finance DINARRECAPS8

6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze

6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze

Ashley Donohoe  GOBankingRates   Fri, December 19, 2025

The latest Ramsey Solutions State of Personal Finance report found that only 51% of American adults reported being happy with their finances, and 50% worried about money every day. Many Americans also reported problems paying for essentials and building their savings.

If you’re not disciplined with money, you’ll likely find yourself stressed and unhappy about your financial security and struggle to achieve your goals and grow your wealth. However, you can take steps to become more aware of your financial situation and avoid unwise spending decisions.

6 Simple Ways To Become More Disciplined With Money, According to Rachel Cruze

Ashley Donohoe  GOBankingRates   Fri, December 19, 2025

The latest Ramsey Solutions State of Personal Finance report found that only 51% of American adults reported being happy with their finances, and 50% worried about money every day. Many Americans also reported problems paying for essentials and building their savings.

If you’re not disciplined with money, you’ll likely find yourself stressed and unhappy about your financial security and struggle to achieve your goals and grow your wealth. However, you can take steps to become more aware of your financial situation and avoid unwise spending decisions.

In a recent YouTube video, money expert Rachel Cruze discussed these six simple ways you can improve your financial discipline.

1. Follow the 24-Hour Rule

Deloitte data showed that 71% of Americans splurged in November 2025. If you’re guilty of losing money to this common habit, take Cruze’s advice to follow the 24-hour rule for unplanned purchases over a certain amount, such as $20. By making yourself wait and think through the purchase, you might notice the thrill is gone and decide against buying it.

Cruze added that this simple rule even worked for her daughter, who no longer wanted to buy a mini trampoline on Amazon after the short wait.

2. Check Your Bank Account Daily

While the thought of looking at your bank account daily might not excite you, Cruze explained it’s important for understanding what’s happening with your finances, both good and bad.

Checking your transactions allows you to recognize where you’re overspending, how much money is coming in and whether there are suspicious transactions to report. Plus, watching your account balance can help you avoid overdrafts, which can result in fees and other problems.

3. Track Your Transactions

Cruze recommended using a budget, which gives you a spending plan for different expenses that you can track and helps with building wealth through saving and investing.

TO READ MORE:  https://www.yahoo.com/finance/news/6-simple-ways-become-more-132204399.html

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Economics, News Dinar Recaps 20 Economics, News Dinar Recaps 20

The 1929 Signal Flashed - Bitcoin $10k Risk, Gold Volatility & The ‘Great Reversion’

The 1929 Signal Flashed - Bitcoin $10k Risk, Gold Volatility & The ‘Great Reversion’

Kitco News:  12-18-2025

The S&P 500 is pricing in a perfect soft landing, but the physical economy is screaming recession. In this Outlook 2026 special, Mike McGlone, Senior Macro Strategist at Bloomberg Intelligence, joins Jeremy Szafron to warn that the markets are facing a "Great Reversion" similar to 1929.

McGlone points to the S&P 500-to-Gold ratio hitting a historic peak of 1.55—the same level seen before the Great Depression crash - as a signal that a massive rotation out of "paper" assets and into hard assets is imminent.

The 1929 Signal Flashed - Bitcoin $10k Risk, Gold Volatility & The ‘Great Reversion’

Kitco News:  12-18-2025

The S&P 500 is pricing in a perfect soft landing, but the physical economy is screaming recession. In this Outlook 2026 special, Mike McGlone, Senior Macro Strategist at Bloomberg Intelligence, joins Jeremy Szafron to warn that the markets are facing a "Great Reversion" similar to 1929.

McGlone points to the S&P 500-to-Gold ratio hitting a historic peak of 1.55—the same level seen before the Great Depression crash - as a signal that a massive rotation out of "paper" assets and into hard assets is imminent.

 McGlone breaks down his "frightening" outlook for 2026, predicting extreme volatility where Gold could hit both $5,000 and $3,500 in the same year.

 He also doubles down on his deflationary thesis, forecasting Crude Oil to collapse to $40 and warning that Bitcoin faces a purge that could eventually send it back to $10,000.

 Is the "wealth effect" about to shatter? And where can investors hide if stocks and crypto roll over?

TIMESTAMPS:

 00:00 Introduction and Market Overview

00:43 Interview with Mike McGlone Begins

01:10 Market Predictions and Analysis

01:44 US Stock Market Resilience

 02:03 Gold and Crude Oil Trends

02:40 Cryptocurrency Market Insights

 03:51 Impact of US Economic Policies

 05:02 Global Economic Indicators

07:22 Energy Market Dynamics

08:45 Industrial Metals and Commodities

 19:28 Silver and Copper Market Trends

 22:05 Investment Strategies for 2026

22:30 US Treasury Bonds and Dollar Outlook

24:40 Year-End Predictions

26:24 Conclusion and Final Thoughts

https://www.youtube.com/watch?v=Fzu0MX_qiB0

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Chats and Rumors, MarkZ Dinar Recaps 20 Chats and Rumors, MarkZ Dinar Recaps 20

Coffee with MarkZ, Zester, and joined by Mr. Cottrell. 12/19/2025

Coffee with MarkZ, Zester, and joined by Mr. Cottrell. 12/19/2025

MarkZ  Update- 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: Hello to everyone…..! Happy Fantastic Friday!

Member: Good morning, Mark and Zester. Praying for good news today.

Coffee with MarkZ, Zester, and joined by Mr. Cottrell. 12/19/2025

MarkZ  Update- 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: Hello to everyone…..! Happy Fantastic Friday!

Member: Good morning, Mark and Zester. Praying for good news today.

Member: Are we there yet, are we there yet??????

CBD Gurus talk during the first 15 minutes…..then Mark, Zester and Mr. C

MZ: Some fun stuff out of Iraq this morning: “ Iraqi Economist warns of possible dinar devaluation amid fiscal pressure” This is very similar to what we saw in Kuwait. Iraq has already told us they would not go there. But these are the kind of stories they run before RVs…we saw the same thing in China as well.

MZ: “ Article 140 and the Council of the Federation with the amendment of the election law. A delegation from the “party” to implement the outstanding files with Baghdad” The Kurdish region is scrambling to get the government done before Parliament sits again (Dec 29) they want the HCL done so they can get their new rate. There is a massive push….this is what we wanted to see…so this is exciting today

MZ: Unfortunately still quiet on the bond side. Most are still hearing it is “imminent”

Member: Al-Mashhadani: The end of UNAMI's mission opens the door to a new partnership with the United Nations

Member: News : Iraq returns to the European stage: Baghdad airport receives its first European plane after 35 years

Member: I wonder what the word speed actually means in Iraq.

Member: Anyone aware that IQD rate is on Coinbase?

Zester: I did notice that one. It has been there for a long time…(Shows the screen) And it is true . The Iraqi dinar is on coinbase and you can do rates on bitcoin vs. Iraqi dinar…..XRP to Iraqi dinar…..I XRP to the dinar is $2, 463. 39.

Zester: Coinbase said they plan on accepting International Currencies at some point in time and they plan on storing International currencies. We have talked before on how Coinbase and Crypto currencies plan on becoming “banks” and Coinbase seems to be positioning itself to be a international bank.

Zester: I expect that soon you will be able to go to coinbase with fiat and IQD and deposit Iraqi dinar and buy “tokenized” Iraqi dinar. On coinbase you can already trade dinar for Euros …This is interesting.

Member: so “tokenized” means digital dinar….which should be gold backed!! Good news.

Member: Happy Holidays Everyone Best Wishes for a wonderful Holiday Season

 Member: have a wonderful blessed trip Mark Enjoy every minute making memories with them

Possibly no podcast on Saturday…..next scheduled podcast on 10 AM est on Monday.

Zester, Mr. Cottrell and CBD Guru’s join the stream today. Please listen to replay for their information and opinions

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

https://rumble.com/user/theoriginalmarkz

Kick:  https://kick.com/theoriginalmarkz

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.

THANK YOU ALL FOR JOINING. HAVE A BLESSED NIGHT! SEE YOU ALL IN THE MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!

FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS

Youtube:      https://www.youtube.com/watch?v=SPKd4yJX4fM

 

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Chats and Rumors, Gold and Silver Dinar Recaps 20 Chats and Rumors, Gold and Silver Dinar Recaps 20

News, Rumors and Opinions Friday 12-19-2025

KTFA:

Clare:  Channel 8 English

 @Channel8English

 “With falling oil prices and forecasts such as JPMorgan’s outlook on future oil markets, the next government may find no financial exit except changing the exchange rate in order to pay salaries, wages, and operating expenses,” Iraqi economist Abdulrahman al-Mashhadani emphasized.

KTFA:

Clare:  Channel 8 English

 @Channel8English

 “With falling oil prices and forecasts such as JPMorgan’s outlook on future oil markets, the next government may find no financial exit except changing the exchange rate in order to pay salaries, wages, and operating expenses,” Iraqi economist Abdulrahman al-Mashhadani emphasized.

https://x.com/channel8english/status/2001667518675710443

Clare: :  Trump envoy and Joe Wilson: We will make Iraq great again

12/18/2025

Mark Savaya, President Donald Trump’s envoy, wrote on the “X” platform (formerly Twitter) on Thursday that he met with US Congressman Joe Wilson and it was a “great meeting.”

"It was a great meeting with U.S. Congressman Joe Wilson and his team," Savaya said in his post, adding, "We will make Iraq great again."

For his part, Republican US Representative Joe Wilson wrote on the “X” platform that he was pleased to host Mark Savaya, the US Special Envoy to Iraq, in his office for a meeting he described as important regarding Iraq.

Wilson, who is known for raising controversial issues and making provocative statements, particularly regarding Iraq and the Middle East, added: "I look forward to working with the Special Envoy to bring prosperity to Iraq and liberate it from Iran," noting that "there is no one more qualified than him to work on this issue for President Trump."

US Representative Joe Wilson posted a picture of himself with Trump's envoy, holding the Iraqi flag, with the American flag behind them and the new Syrian flag beside it.

Joe Wilson   @RepJoeWilson

Grateful to host Mark Savaya, U.S. Special Envoy for Iraq, in my office for an important meeting on Iraq. I am excited to work with the Special Envoy to Make Iraq Great Again and Free Iraq from Iran. There couldn’t be anyone better working on this issue for President Trump!   LINK

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

Clare: Article 140 and the Federal Council, along with amending the election law... A delegation from the "Party" to implement outstanding issues with Baghdad 

12/18/2025 

On Thursday, December 18, 2025, the Central Committee of the Kurdistan Democratic Party held an expanded meeting during which it discussed several issues, most notably the formation of the Kurdistan Regional Government, the Iraqi parliamentary elections, partnership and cooperation in Baghdad, in addition to the political situation in the region, and the implementation of outstanding issues with Baghdad.

 The committee said in a statement, a copy of which was translated by Al-Jabal, that “the Kurdistan Democratic Party does not see it as right to mix the talks on forming the regional cabinet with the federal government; the issues of the region must be resolved first, and then the necessary and joint steps towards Baghdad must be taken, and our party’s delegation has begun its tasks in this regard.”

 According to the statement, the meeting emphasized "the need to implement the outstanding issues with Baghdad, such as: Article 140, the establishment of the Federal Council, the formation of the Federal Court in accordance with the Constitution, and the Oil and Gas Law

." It also stressed "the serious endeavor to amend the unfair Iraqi election law, and to resolve the budget and salary issue permanently and in accordance with the federal system. A high-level delegation from the Kurdistan Democratic Party was designated for this purpose."

 Below is the text of the statement:

Under the supervision of His Excellency President Masoud Barzani, and in the presence of the Vice Presidents, members of the Central Committee and branch officials, the Central Committee of our party held an expanded meeting today, Thursday, December 18, 2025.

The meeting began with a minute of silence in honor of the pure souls of Kurdistan's martyrs, foremost among them the immortal Barzani and the late Kak Idris. Following this, several important and timely issues were raised and discussed, and the necessary decisions were made.

 First topic: Formation of the tenth cabinet of the Kurdistan Regional Government

This process began in conjunction with the end of last year's elections, and unfortunately, the Kurdistan Parliament has not yet been activated, the President of the Region has not been elected, and the tenth cabinet has not been formed.

Immediately after the election results were ratified, our party, through a special delegation, visited the Kurdish parties and groups to initiate dialogue aimed at forming a broad-based government. However, some parties chose to join the opposition, and we respect their decision.

Simultaneously, dialogue continued between our party and the Patriotic Union of Kurdistan (PUK). We exerted considerable effort to ensure that our agreement would not be finalized until the Iraqi parliamentary elections. Unfortunately, the PUK—due to flawed readings and preconceived notions of the parliamentary election results—unjustifiably extended the dialogue beyond the November 11, 2025 elections, despite our warnings that the pre- and post-election circumstances would be significantly different. The PUK, however, had already made its decision.

 Currently, the door to dialogue remains open for reaching an agreement based on the results and entitlements of the Kurdistan Parliament elections, and the votes and trust of the people of Kurdistan must be respected.

 Our party does not believe it is appropriate to conflate the discussions on forming the regional cabinet with those of the federal government; the region's issues must be resolved first, and then the necessary joint steps can be taken with Baghdad. Our party's delegation has already begun its work in this regard.

 Second topic: Elections for the Iraqi Federal Parliament

The meeting discussed the November 11, 2025 elections, in which our party achieved a resounding victory, securing the votes and trust of over 1.1 million voters in Kurdistan and Iraq, and winning a significant number of provincial seats. This victory is the fruit of the struggle and sacrifices of our martyrs, the wisdom and efforts of our party's cadres, members, and supporters, the enduring legacy of Barzani, and the trust placed in our party's leadership and structures by the people of the Kurdistan Region and the Kurdish areas outside the region's administration.

 Therefore, the meeting expressed its gratitude to all party and government officials, Peshmerga forces, and cadres, as well as to the families of martyrs, the loyal public, election committees and teams, and professional organizations, for their dedication to the party's success

. It also thanked the security forces for providing a calm environment for the process and congratulated the winning candidates, commending the efforts of all candidates on list (275) who worked diligently. The meeting called upon the winners to faithfully represent the hopes and aspirations of all citizens of Kurdistan and Iraq, and to work towards enacting laws that serve the people and establish good governance.

 Third axis: Partnership and work in Baghdad

The meeting affirms that the people of Kurdistan have the right to negotiate in Baghdad with a unified voice and as a single entity, as a Kurdish nation, not as separate political parties. The Kurds and Kurdistan must be genuine partners in governing Iraq alongside their Shia and Sunni brothers, while respecting the rights of all other communities, just as the new Iraqi state was founded on three principles: partnership, balance, and consensus, which have become the spirit of the permanent constitution.

The meeting emphasized the necessity of implementing outstanding issues such as Article 140, establishing the Federal Council, forming the Federal Court in accordance with the Constitution, and the Oil and Gas Law.

 It also stressed the importance of seriously pursuing amendments to the unfair Iraqi election law and finding a permanent solution to the budget and salary issues in a manner consistent with the federal system. To this end, a high-level delegation from our party was designated.

Fourth axis: The political situation in the region

The general political situation in the region, Iraq, and Kurdistan was discussed. The meeting noted that developments in Türkiye regarding the resolution of the Kurdish issue and the peace process are a source of hope and will have a positive impact in all areas.

 Regarding the changes in Syria, the meeting welcomed the vision of the countries seeking stability in Syria, which links stability to the extent to which the distinct identities of the various components, including the Kurdish people, are respected. We hope that these changes, by learning from the mistakes of the past, will guarantee the rights and freedoms of all national, religious, and sectarian groups, and promote peaceful and civilized coexistence.

 Fifth axis: Regulatory affairs

The provincial organizational offices presented an analysis of their activities and challenges. The meeting discussed proposals to strengthen ties with the public in cities and villages, enabling party organs to more effectively convey the people's demands and opinions to the leadership, so that our colleagues in the regional and central governments can play their part in addressing these issues and providing for the needs of the people.

In conclusion, the meeting made several decisions regarding topics that required legal and regulatory resolution.  LINK

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

Frank26   Everything is on course.  T-minus [13] days and counting according to the Central Bank of Iraq concerning December 31, 2025 where 1310 dies and the following day on January 1, 2026 something new replaces it.  All according to the CBI.

Jeff   Back from December 20, 2020 when Iraq devalued their currency by 23% Article "Iraq's central bank devalues dinar by 22% amid public anger".  I know it says 22% but it was actually 23%.  No big deal.  Anyway they devalued the currency on Sunday, December 20, 2020.  I just wanted you to be aware that was a date and time frame in which they devalued or changed their exchange rate historically 5 years ago.  Will they do it again on a similar time frameMaybe, possibly.

Militia Man  The Central bank is independent of the government.  We're not talking about politics...They're not going to tell you the date and the exchange rate...There's no bearing whatsoever on Alaq and the gatekeepers to be able to adjust an exchange rate.  Alaq can do it whenever he feels like it.  But...in this digital environment he has to do it in sync...The outlook is good as far as I'm concerned...

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

4-Digit SILVER Coming as Paper Game ENDS - 'The Bankers Are Losing Control': Lynette Zang

Commodity Culture:  12-16-2025

Lynette Zang believes that once the paper manipulation game completely ends and true price discovery occurs in the silver market, the metal is headed to four digits, in a move that will shock investors who aren't paying attention.

Lynette points out that silver's rapid rise past $60 is only the beginning of a parabolic run driven by physical demand and not rigged paper promises.

00:00 Introduction

 01:18 4-Digit Silver is Coming

 05:24 Is Silver Manipulation Over?

06:56 Silver Import Surge in India

10:02 China Silver Export Controls

14:19 You Don't Hold It, You Don't Own It

 20:36 End of Fed Independence

31:06 Chaos By Design

32:56 BRICS Versus the West

https://www.youtube.com/watch?v=Cd6BIcPn9OI

 

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Economics, News DINARRECAPS8 Economics, News DINARRECAPS8

Seeds of Wisdom RV and Economics Updates Friday Morning 12-19-25

Good Morning Dinar Recaps,

De-Dollarization Comes in Cycles, Not a One-Way Path: U.S. Fed
Federal Reserve research shows dollar dominance rises and falls in waves — not a straight decline

Good Morning Dinar Recaps,

De-Dollarization Comes in Cycles, Not a One-Way Path: U.S. Fed
Federal Reserve research shows dollar dominance rises and falls in waves — not a straight decline

Overview

• Dollar dominance is cyclical, not linear
Federal Reserve research shows the U.S. dollar’s role in global debt markets expands and contracts over long cycles rather than permanently declining.

• De-dollarization narratives oversimplify reality
Despite rising rhetoric, historical data suggests dollar usage rebounds after downturns.

• Alternatives face liquidity and trust limits
China’s renminbi and other currencies lack the scale, openness, and confidence needed to displace the dollar.

• A multipolar system may emerge — not dollar collapse
The future points toward more currencies used in trade, with the dollar still at the center.

Key Developments

Dollarization Waves Identified by the Fed
The Federal Reserve paper Dollarization Waves: New Evidence from a Comprehensive International Bond Database analyzes over 60 years of global bond issuance. It finds repeated cycles where dollar usage rises, retreats, and then resurges — challenging the idea of a permanent shift away from the dollar.

De-Dollarization Momentum Faces Structural Barriers
While de-dollarization efforts have gained traction over the last two decades, the study shows that most developing nations still borrow heavily in U.S. dollars, reinforcing dollar demand during financial stress.

RMB Expansion Falls Short of Displacement
China has pushed the renminbi as a global alternative, but limited convertibility, capital controls, and trust concerns restrict its international adoption compared to the dollar.

Dollar Still Anchors Global Reserves
The U.S. dollar remains the dominant reserve currency worldwide. Even as its share fluctuates, no competing currency has matched its liquidity, legal transparency, and global acceptance.

Why It Matters

This research reframes the global currency debate. Rather than signaling the end of dollar dominance, current de-dollarization trends resemble past cycles that eventually stabilized or reversed. Understanding these patterns is critical as markets adjust to shifting trade alliances, rising geopolitical risk, and evolving monetary systems.

Why It Matters to Foreign Currency Holders

Foreign currency holders should recognize that dollar pullbacks historically create volatility — not replacement. Periods of diversification often precede renewed dollar demand during crises, debt servicing, and capital flight events.

Implications for the Global Reset

Pillar 1: Cyclical Dollar Power
The dollar’s dominance adapts rather than disappears, reinforcing its role during global stress while allowing room for diversification in calmer periods.

Pillar 2: Controlled Multipolar Transition
The global system is moving toward broader currency usage in trade and settlement — but without dismantling the dollar-based financial architecture.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

BRICS Bloc Counters Trump: China and Russia Back Venezuela
Beijing and Moscow signal resistance as U.S. pressure on Caracas escalates

Overview

• BRICS pushes back against U.S. pressure
China and Russia publicly back Venezuela as Washington escalates sanctions, seizures, and military deployments.

• Trump orders aggressive oil enforcement
The U.S. announces a blockade of sanctioned Venezuelan oil tankers and seizes vessels tied to sanctions violations.

• Diplomatic lines harden into blocs
Statements from Xi Jinping and Vladimir Putin underscore a widening geopolitical divide.

• Global markets face rising instability risks
Energy supply fears and military posturing raise volatility concerns.

Key Developments

Trump Announces Blockade and Seizures
President Trump ordered what he called a “total and complete blockade” of sanctioned Venezuelan oil tankers. U.S. forces seized vessels allegedly tied to sanctions breaches and drug trafficking, intensifying tensions in the Caribbean and threatening oil supply flows.

China and Russia Issue Firm Support Statements
Russian President Vladimir Putin wrote directly to President Nicolás Maduro, expressing confidence Venezuela would defend its legitimate interests. Chinese President Xi Jinping went further, categorically rejecting external interference and pledging continued support for Venezuela’s sovereignty and stability.

Military Posture Escalates in the Region
The U.S. deployed a nuclear-powered submarine, surveillance aircraft, and approximately 15,000 troops to the Caribbean. Strikes on vessels allegedly involved in illicit activity reportedly resulted in dozens of deaths, heightening fears of miscalculation.

BRICS Solidarity Meets Practical Limits
While Russia and China signal diplomatic backing, analysts caution against expectations of direct military involvement. Officials emphasize political support and deterrence rather than escalation, reflecting competing priorities elsewhere.

Why It Matters

The standoff highlights how geopolitical power is fragmenting into competing blocs. As sanctions, blockades, and counter-alliances multiply, energy markets, trade routes, and diplomatic norms face sustained pressure, accelerating global realignment.

Why It Matters to Foreign Currency Holders

Escalating sanctions and military risk increase volatility in oil-linked currencies, emerging market assets, and reserve allocations, reinforcing the need for diversification amid geopolitical stress.

Implications for the Global Reset

Pillar 1: Bloc-Based Power Alignment
BRICS coordination reflects a shift away from unilateral U.S. dominance toward competing centers of influence.

Pillar 2: Energy and Sanctions as Financial Weapons
Oil blockades and asset seizures underscore how control of trade and finance is central to modern geopolitical strategy.

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

Seeds of Wisdom Team
Newshounds News™ Exclusive

Sources

~~~~~~~~~~

🌱 A Message to Our Currency Holders🌱

If you’ve been holding foreign currency for many years, you were not foolish.
You were not wrong to believe the global financial system would change.

What failed was not your patience — it was the information you were given.

For years, dates, rumors, and personalities replaced facts, structure, and proof. “This week” predictions created cycles of hope and disappointment that were never based on how currencies actually change.

That is not your failure.

Our mission here is different:

• No dates • No rates • No hype • No gurus

Instead, we focus on:
• Verifiable developments • Institutional evidence
• Global financial structure • Where countries actually sit in the process

Currency value changes only come after sovereignty, trade, banking, settlement systems, and fiscal coordination are in place. History and institutions confirm this sequence.

You will see silence. You will see denials. That is not delay — that is discipline.

Protect your identity. Organize your documents. Verify everything.
Never hand your discernment to anyone who cannot show proof.

You deserve truth — not timelines.

Seeds of Wisdom Team
Newshounds News

Seeds of Wisdom Team RV Currency Facts Youtube and Rumble

Newshound's News Telegram Room Link

RV Facts with Proof Links Link

RV Updates Proof links - Facts Link

Follow the Gold/Silver Rate COMEX

Follow Fast Facts

Seeds of Wisdom Team™ Website

Thank you Dinar Recaps

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Advice, Personal Finance DINARRECAPS8 Advice, Personal Finance DINARRECAPS8

15 Tactics to Encourage Financial Independence in Adult Kids

15 Tactics to Encourage Financial Independence in Adult Kids

Wealthy Single Mommy  Creator   Sat, November 8, 2025

The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

Your basement dweller is 28. Your kitchen raider is 32. You’re ready to travel but can’t afford it because someone else’s phone bill, car insurance, and grocery habit are eating your budget alive. You’re not alone in this mess. One in three American adults aged 18-34 live with their parents, and it’s hitting record highs not seen since the 1940s. While high housing costs and student debt averaging $38,375 per borrower make launching harder than when we were young, that doesn’t mean you should accept permanent dependency. The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

15 Tactics to Encourage Financial Independence in Adult Kids

Wealthy Single Mommy  Creator   Sat, November 8, 2025

The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

Your basement dweller is 28. Your kitchen raider is 32. You’re ready to travel but can’t afford it because someone else’s phone bill, car insurance, and grocery habit are eating your budget alive. You’re not alone in this mess. One in three American adults aged 18-34 live with their parents, and it’s hitting record highs not seen since the 1940s. While high housing costs and student debt averaging $38,375 per borrower make launching harder than when we were young, that doesn’t mean you should accept permanent dependency. The secret is smart boundaries that build their independence without destroying your relationship or retirement plans.

1. Draft a Real Living Agreement With Actual Consequences

Verbal agreements are worthless when money and family mix. Write down house rules, financial expectations, chore assignments, and deadlines. Include both signatures and schedule quarterly reviews. Make it collaborative, not dictatorial, but ensure consequences exist for non-compliance. When families skip the paperwork, arguments multiply and expectations get fuzzy. A written contract removes the guesswork and gives you both something concrete to reference when things get heated.

2. Charge Rent That Reflects Reality

Start with $200-400 monthly for employed adults, increasing by $100 every six months. If they’re jobless, require 20 hours weekly of household work or community service instead. The specific amount matters less than establishing the principle that adults contribute to their living expenses. Consider saving their rent payments secretly for their future apartment deposit while teaching them monthly budget responsibility right now.

3. Master the Three-Question Test Before Opening Your Wallet

Before handing over any cash, ask yourself three critical questions. How will this affect my own financial security? What impact will this have on our relationship and their dependency patterns? Which lesson are they missing by not solving this problem themselves? Financial expert Jini Thornton found that over 25% of parents now assist adult children up to age 33, often sacrificing retirement security. Make them present solutions, not just problems.

4. Transfer Financial Responsibility Gradually

Begin with one bill in Year 1, maybe their cell phone or streaming services. Add 2-3 more expenses every six months, moving from discretionary spending like entertainment to essential expenses like groceries and utilities. The final step involves housing contributions. This gradual approach prevents overwhelming them while building genuine money management skills. Most successful independence transitions take 18-24 months when done properly.

If you’re children aren’t all that financially savvy, you could sign them up for an economics course for kids that will guide them on building their money skills and independence.

5. Set Clear Job Search Expectations With Tracking

Require minimum weekly applications, starting with 2-3 per week rather than daily grinding that leads to burnout. Track efforts in a shared spreadsheet showing company names, positions, and outcomes. Help with resume reviews and interview practice, but never make calls or submit applications for them. If they resist job hunting, mandate volunteer work to build skills and references.

6. Establish Age-Appropriate Financial Independence Benchmarks

Young adults should cover 1-2 major expenses independently by age 24. By 25-29, they should handle half their living costs. Complete self-sufficiency should be the goal by ages 30-34. Research shows only 16% of 18-24 year olds achieve complete financial independence, rising to 44% by ages 25-29 and 67% by ages 30-34. Use these benchmarks as realistic targets, not impossible demands.

7. Implement Consequences That Actually Matter

TO READ MORE:  https://www.yahoo.com/creators/lifestyle/story/15-tactics-to-encourage-financial-independence-in-adult-kids-105224295.html

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Economics, News Dinar Recaps 20 Economics, News Dinar Recaps 20

“Tidbits From TNT” Friday Morning 12-19-2025

TNT:

Tishwash:  A parliamentarian reveals the difficulty of meeting the demands of the protesting engineers due to the budget.

MP Haider Al-Salami stated on Thursday that the demands of the protesting engineers have not been met for more than four months, despite his addressing the Prime Minister to include their rights to appointment within the budget amendments .

Al-Salami explained in a statement received by Al-Sa’a Network that “the Ministry of Finance was unable to implement the request due to the budget law before the amendment,” noting that “this reflects the difficult financial situation the country is going through as a result of previous wrong financial policies.” 

TNT:

Tishwash:  A parliamentarian reveals the difficulty of meeting the demands of the protesting engineers due to the budget.

MP Haider Al-Salami stated on Thursday that the demands of the protesting engineers have not been met for more than four months, despite his addressing the Prime Minister to include their rights to appointment within the budget amendments .

Al-Salami explained in a statement received by Al-Sa’a Network that “the Ministry of Finance was unable to implement the request due to the budget law before the amendment,” noting that “this reflects the difficult financial situation the country is going through as a result of previous wrong financial policies.”   link

Tishwash:  Prime Minister Mohammed Shia' al-Sudani chairs a special meeting on the oil and gas sectors.

Prime Minister Mohammed Shia Al-Sudani chaired a special meeting on Wednesday concerning the oil and gas sectors, in the presence of the Ministers of Oil and Finance, a number of advisors, and senior staff from the Ministry of Oil and SOMO.

His Excellency affirmed the government's intention to review the financial and economic aspects and raise the efficiency of the Ministry of Oil's sectors, as they are the main source of revenue for the state's general budget.

The meeting discussed plans to develop crude oil production and exports, as well as efforts to achieve self-sufficiency and export petroleum products, and to determine the rates of local consumption.

The meeting addressed the localization of industries necessary for the oil sector, and the development of national capabilities in the public and private sectors in the fields of drilling, extraction, mechanical engineering, and others, in order to rely on national personnel in these aspects.  link

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

Tishwash:  Nasiriyah goes digital... FTTH fiber optic internet has reached Al-Jubayish

The IT manager is optimistic

 Nasiriyah is nearing a complete digital transformation, a goal pursued by a department called the "Digital Transformation Center," as confirmed by Hussein Muhi Hariz, Director of Communications and Information Technology in Dhi Qar.

He tells 964 Network that the FTTH (Fiber to the Home) internet has reached all areas of Dhi Qar, even Al-Jubayish in the south and Al-Fajr in the north. Nasiriyah has reached 98% completion, making Dhi Qar the second most successful governorate after Baghdad.

 With the arrival of this service, experts and officials expect the era of poor internet in Iraq to end, eliminating the need for wireless internet and its many problems. However, tower owners have a different opinion, and 964 Network has previously documented their repeated protests

Hussein Muhi Hariz - Director of Communications and Information Technology in Dhi Qar, for 964 Network :

The number of subscribers to the fiber optic cable service has reached 85,000 in Dhi Qar, after the service was non-existent or at a low level, and most of the districts and sub-districts have been covered, and it is in a state of continuous development.

There are projects between Dhi Qar and neighboring governorates such as Muthanna, Basra, Maysan, Wasit and Diwaniyah, which are related to international projects and capacity transfer and are currently under implementation. There are also other projects to provide protection routes to ensure that communication service in the governorate is not interrupted.

Previously, only one company was responsible for the (FTTH) project, and now there are two companies. The completion rate in Nasiriyah has reached 98%, and it has been almost completely completed in one of the districts.

Most government departments have been equipped with internet services through e-government, and we have maintenance teams in three districts, North, South and the governorate center, to ensure that the internet service is not interrupted.

We have a committee specializing in promoting citizens’ subscription to (FTTH) services, which offer services that are much better than “wireless” services, as they are secure and of high quality, and most of our staff are trained to respond quickly in case of any damage.

The terrain of Dhi Qar is different from others due to the presence of marshes and agricultural lands, and this is the biggest challenge.

Interaction is ongoing between government departments, and we do not start any project until we have obtained approvals from the relevant departments to prevent conflicts.

The Minister of Communications took it upon herself to equip schools with free internet, and Dhi Qar was in second place after the capital, Baghdad, with 300 schools and the number is increasing.

We have completed 98 communication booths in Nasiriyah Central Prison and the Correctional Prison to provide a secure communication service, under the supervision of the competent security agencies to ensure that inmates can contact their families.

Dhi Qar Governorate is distinguished by the presence of e-government. It is the first governorate in Iraq to work on the subject of e-government, and the Digital Transformation Center has been activated and opened in the governorate. God willing, the future will be better for activating e-government and the official government email.

Even districts far from Nasiriyah, such as Al-Jubayish district (90 km south) and Al-Fajr district (120 km north), were included in the (FTTH) services and the service reached them.  link

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