The Rise Of ‘Finfluencers:’ Can You Really Trust Financial Advice On Social Media?
The Rise Of ‘Finfluencers:’ Can You Really Trust Financial Advice On Social Media?
Ivana Pino · Senior Writer January 2, 2026
Here's how to navigate financial advice on social media.
Financial influencers — or "finfluencers" — are reshaping how people learn about money. Instead of textbooks or financial advisers, many consumers now rely on social media personalities for guidance on budgeting, investing, and paying down debt.
While some offer credible and well-researched information, others blur the line between education and entertainment. And in some cases, they promote strategies that don’t actually work in the real world. Knowing how to spot the difference can make or break your financial health.
The Rise Of ‘Finfluencers:’ Can You Really Trust Financial Advice On Social Media?
Ivana Pino · Senior Writer January 2, 2026
Here's how to navigate financial advice on social media.
Financial influencers — or "finfluencers" — are reshaping how people learn about money. Instead of textbooks or financial advisers, many consumers now rely on social media personalities for guidance on budgeting, investing, and paying down debt.
While some offer credible and well-researched information, others blur the line between education and entertainment. And in some cases, they promote strategies that don’t actually work in the real world. Knowing how to spot the difference can make or break your financial health.
What is a finfluencer?
Finfluencers are social media content creators who focus on providing personal finance information and advice.
While older generations are more likely to turn to friends and family or financial advisers for personal finance advice, younger Americans are increasingly turning to their social media feeds for answers to their pressing financial questions.
A recent Gallup survey found that the majority of adults aged 18 to 29 rely on friends and family for financial advice. However, young adults also reported relatively high use of online sources; 42% said they use financial websites and social media, while 23% report following personal finance content creators.
“Finfluencer content can make money feel more accessible and less intimidating,” said Tori Dunlap, a prominent financial influencer, entrepreneur, and creator of Her First $100K. “It helps normalize conversations around money, reduces shame, and often motivates people to take their first steps toward financial stability.”
Unfortunately, not all creators have the best interests of their followers in mind, or the expertise to give blanket financial advice. And many Americans have paid the price for misleading financial advice online. A report by the CFP Board found that more than half of survey respondents said they’ve made regrettable financial decisions based on misleading online information.
“The downside is that social media rewards simplicity and speed, not nuance,” Dunlap said. “Financial decisions are rarely universal, yet advice is often presented that way. Sponsored content, affiliate links, and viral incentives can also influence what advice is shared, sometimes at the expense of accuracy or context.”
How to identify and avoid social media misinformation
Online financial content can be a great source of education about personal finance, and can help you pick up some money-saving tips. But before you take anyone’s financial advice, be sure to do some research on the source of that information and verify that what they’re saying is accurate.
You should also be wary of any content or advice that sounds too good to be true, like “get rich quick” tips and content that taps into feelings of shame or fear.
“Excessive product promotion, unclear disclosures, and a lack of context around who the advice is for should raise concern,” Dunlap said. “Good financial education should leave people feeling more capable and informed, not pressured or panicked.”
As you’re browsing, there are ways you can vet the information you see to make sure you’re not misled.
Verify the creator’s credentials
TO READ MORE: https://finance.yahoo.com/personal-finance/banking/article/can-you-trust-finfluencers-205111042.html
Weekend Coffee with MarkZ. 01/10/2026 “Buckle Up!”
Weekend Coffee with MarkZ. 01/10/2026
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
Mod: GOOD MORNING AND HAPPY SATURDAY EVERYONE! CBD GURUS MATT AND LUCAS KICK OFF THE FIRST 45 MINS AND THEN MARK GIVES THE NEWS UPDATE
Weekend Coffee with MarkZ. 01/10/2026
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
Mod: GOOD MORNING AND HAPPY SATURDAY EVERYONE! CBD GURUS MATT AND LUCAS KICK OFF THE FIRST 45 MINS AND THEN MARK GIVES THE NEWS UPDATE
Member: Good morning Mark, Mod team, fellow RVers, and CBD gurus. hope everyone is having a blessed weekend
MZ: It will be a little fun this morning for the news. I have things from bond contacts…..I cannot share everything because I have agreed not to. This is for the personal safety of their funds.
MZ: I have a number of bond contacts telling me that there are a lot more bond related Historical artifacts or boxes of very historic stuff came to the market….three different buyers and a mad scramble
MZ: I have one contact tell me that absolutely some fellow bond holders have been paid. But he won’t give me details. I will be trying to find confirmations but they do expect something big to happen this coming week in the revaluation process.
MZ: A number of bond contacts are eying this upcoming week for great movement. Does this mean we may know the date ? I do not know but expect a substantial amount of news between now and Monday based on the overwhelming amount of messages I got last night
MZ: Group rumors are about the same as bond rumors about this coming week. Most seem to be focused on Tuesday as getting some positive news. But I have had a couple folks in groups say that timing wise …things are starting to process…..we will see.
MZ: Stay calm as there are a lot of indicators right now pointing at the same time.
MZ: We have Iraqi Parliament going back to work tomorrow and I think Monday is going to be a big news day for a change. I am pretty excited about this one.
MZ: Dominating the news in Iraq is non-oil revenues. And possibly reducing the Customs rates or possibly postponing and going in with levels . this is the same law passed years ago and finally implementing …..of course people are screaming about it.
MZ: They have been asking Sudani to sit in and preside on these meetings. I think they have figured out things will not work without Sudani right now. There is a number of sensitive subjects for tomorrow in Iraq which means that Monday should be a big news day for them as well.
MZ: Rumors from Iran is that overnight Iranian Supreme Leader Ayatollah Ali Khamenei was moved into a bunker and that the Iranian guard has been routed and removed from the streets. Possibly their chain of command is imploding. If any of this is accurate we may be seeing the end of the Iranian regime from 1979. If so this is very historic.
MZ: If true they wont have to worry about Iranian influence in Iraq any more and will be free to pull the trigger.
MZ: There was a little bit of a leak at Goldman Sacs. They believe silver could go to $412. They quate the reason which is about a 8.7 billion oz. short.
MZ: The news is really coming loose…..now we have to see what is real. I think Monday morning will have far better than normal news. I am expecting some fun stuff early in the week to tell us where we are headed.
MZ: My banking contacts that did not work this weekend gave me an update ….They were told to (what it appears) “enjoy your last weekend off for a few months” I am excited about this news. But stay grounded as we find out what is real and what is not.
Member: Mark... WF Bank in Kansas posted on market "Currency exchanges after Jan 10 will be appointment only"
MZ: Wow…we have had some interesting bank stories as of late …many informed they will see this soon but don’t know the exact timing…..sent to me by you guys.
MZ: This is going to be a crazy week…..buckle up…we may have run out of rope and done kicking that can.
Member: Have a very blessed weekend everyone and see you all Monday morning for coffee and am so looking forward to it. I love and appreciate you all.
Member: Really hope this is our last weekend broke.
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
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Mod: MarkZ "Back To Basics" Pre-Recorded Call" for Newbies 10-19-2022 ) https://www.youtube.com/watch?v=37oILmAlptM
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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 WEEKEND! SEE YOU ALL MONDAY MORNING FOR COFFEE @ 10:00 AM EST ~ UNLESS BREAKING NEWS HAPPENS!
FROM NOW ON NO MORE NIGHTLY PODCASTS ON MONDAYS AND FRIDAYS
News, Rumors and Opinions Saturday 1-10-2026
Jon Dowling: New Year 2026 Weekly Wrap up and Latest RV Updates
1-10-2026
The latest Weekly RV Report, dated January 9th, 2026, offers a compelling analysis of the current global economic and geopolitical climate, shedding light on key developments that are poised to reshape energy markets, currency valuations, and international relations.
As we navigate these complex changes, several nations have emerged as crucial players in the evolving landscape, including Iraq, Vietnam, Venezuela, Iran, and the United States.
Jon Dowling: New Year 2026 Weekly Wrap up and Latest RV Updates
1-10-2026
The latest Weekly RV Report, dated January 9th, 2026, offers a compelling analysis of the current global economic and geopolitical climate, shedding light on key developments that are poised to reshape energy markets, currency valuations, and international relations.
As we navigate these complex changes, several nations have emerged as crucial players in the evolving landscape, including Iraq, Vietnam, Venezuela, Iran, and the United States.
One of the most significant highlights of the report is Iraq’s ascension as an emerging oil powerhouse. Projections indicate that Iraq is on track to become one of the top four oil producers in the Middle East, a development that is expected to have far-reaching implications for global energy markets.
As Iraq increases its oil production, the United States is likely to benefit from lower energy and food costs, providing a much-needed counterbalance to inflation. This shift has the potential to reshape the global energy landscape, with significant implications for the economies of oil-importing nations.
The report also touches on the development of parallel economic systems, as the United States begins to move away from the private Western central banking system.
This significant shift is expected to be accompanied by potential name changes, reflecting a rebranding of the existing financial infrastructure. As the global economy continues to evolve, the emergence of parallel systems is likely to have a profound impact on the way we conduct financial transactions and store value.
In Asia, Vietnam has emerged as a key player, with the country posting an impressive economic growth rate of 8.02% in 2025. This remarkable performance has been fueled by a combination of natural resources, manufacturing prowess, and a significant influx of companies relocating from China. As Vietnam continues to attract foreign investment and expand its manufacturing base, it is likely to play an increasingly important role in regional trade and commerce.
The report also cautions viewers about potential market volatility in the United States, as the Supreme Court prepares to rule on tariffs connected to President Trump’s economic policies.
An unfavorable ruling has the potential to trigger significant market fluctuations, underscoring the need for investors to remain vigilant and adaptable in the face of changing circumstances.
As the global economy continues to evolve, commodity prices have been on the rise, with silver, gold, and oil all experiencing significant gains.
Meanwhile, the dollar index has remained relatively stable, although its purchasing power is noted to be diminishing. This trend is likely to have significant implications for investors and consumers alike, as the value of the dollar continues to shift in response to changing economic conditions.
As we navigate these complex and unfolding global transformations, the report encourages viewers to remain vigilant and maintain their faith in the face of uncertainty. With significant changes on the horizon, it is more important than ever to stay informed and adapt to the shifting landscape.
As we move forward into 2026, it is clear that the global economy and geopolitical landscape will continue to undergo significant changes. By staying informed and maintaining a nuanced understanding of these developments, we can better navigate the complex and evolving world we live in.
Courtesy of Dinar Guru: https://www.dinarguru.com/
Jeff They do [rate changes] over what is their Sunday morning when all world markets are closed so they don't have a ripple effect with a rate change of that magnitude [3,000% to 4,000% increase] ...That's why they do it that way.
Frank26 Question: "How closely do you think the VND will follow the IQD?" I don't know but I'll say this, I think the Vietnamese dong is primed and ready.
Jeff Question: "What are we waiting on?" IMO we're waiting on the government to be formed. The the central bank that could be perceived as a level of stability...The central bank has always said security and political stability are the two critical core components of allowing them to consider reinstating the value of the currency...The formation of the government can go very fast...
Frank26 There are a lot of things that depend on a new exchange rate especially the concept of going international that's going to get the real effective exchange rate. What's going to get you to the Real Effective Exchange Rate? Supply and demand outside [Iraq] borders...
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What Silver Price Is Telling Us About Market Tightness
Arcadia Economics: 1-10-2026
With the silver, gold, and silver prices rallying into 2026, David Morgan talks about what the market's reaction is telling us about the ongoing silver tightness in the East.
So to find out more, click to watch the video now!
Iraq Economic News and Points To Ponder Saturday Morning 1-10-26
Gold Prices Fell as the Market Awaited US Data and the Dollar Strengthened.
Money and Business Economy News - Gold prices fell on Friday, pressured by adjustments to a commodity index, anticipation of US jobs data, and a stronger dollar which added downward pressure on prices in the near term.
Gold fell 0.4 percent to $4,458.10 an ounce in spot trading by 0126 GMT. The precious metal had hit a record high of $4,549.71 on December 26
Gold Prices Fell as the Market Awaited US Data and the Dollar Strengthened.
Money and Business Economy News - Gold prices fell on Friday, pressured by adjustments to a commodity index, anticipation of US jobs data, and a stronger dollar which added downward pressure on prices in the near term.
Gold fell 0.4 percent to $4,458.10 an ounce in spot trading by 0126 GMT. The precious metal had hit a record high of $4,549.71 on December 26.
The dollar rose in early Asian trading, as traders awaited the latest U.S. jobs report and a Supreme Court decision on President Donald Trump's use of extraordinary powers to impose tariffs.
This week marks the start of the annual rebalancing of the Bloomberg Commodity Index, a periodic adjustment of commodity weights to keep the index in line with market conditions, and this is expected to continue to put pressure on the precious metals market.
According to FedWatch, investors currently expect the Federal Reserve (the US central bank) to cut interest rates at least twice this year. Investors are awaiting non-farm payroll data for clues about the future path of monetary policy.
Non-yielding assets such as gold typically tend to rise during times of low interest rates and geopolitical or economic turmoil.
As for other precious metals, silver fell 1.5 percent in spot trading to $75.71 an ounce after hitting an all-time high of $83.62 on December 29.
Platinum fell 2.9 percent in spot trading to $2,202.50 an ounce after hitting an all-time high of $2,478.50 last Monday.
Palladium fell 2.1 percent to $1,749.25 an ounce https://economy-news.net/content.php?id=64332
The Dollar Rose Amid Anticipation Of US Data And A Supreme Court Ruling.
Money and Business Economy News - The dollar rose at the start of Asian trading on Friday as traders awaited a U.S. jobs report and a Supreme Court decision on President Donald Trump’s use of extraordinary powers to impose tariffs.
The dollar index, which measures the performance of the US currency against a basket of six currencies, rose 0.2% to 98.883 and continued its rise for the third day in a row.
The upcoming U.S. non-farm payrolls report for December is expected to clear up much of the data uncertainty that has persisted during the government shutdown, but analysts say the data may not provide enough clues to clarify the future path of interest rates, according to Reuters.
Weekly unemployment benefit claims data released on Thursday showed a slight increase in claims.
According to the CME FedWatch tool, there is an 89% expectation that the Federal Reserve (the US central bank) will keep interest rates unchanged at its next meeting on January 27 and 28, compared to a 68% expectation a month ago.
The U.S. Supreme Court could issue a ruling later today that would determine whether Trump can invoke the International Emergency Economic Powers Act to impose tariffs without congressional approval, a move that could drastically alter U.S. trade policy and throw into chaos after months of negotiations.
The dollar reached 156.885 yen, little changed after data showed that Japanese household spending unexpectedly increased in November compared to the same month last year, indicating that consumption is accelerating ahead of the Bank of Japan raising interest rates to a 30-year high in December.
The euro held steady at $1.1657 ahead of German trade data and eurozone retail sales figures due later today.
The British pound fell 0.1% to $1.3436, the Australian dollar was steady at $0.6698, and the New Zealand dollar fell 0.1% to $0.5749. Bitcoin fell 0.2% to $91,002.39, and Ether dropped 0.4% to $3,104.38. https://economy-news.net/content.php?id=64334
Sudanese Advisor: The Financial Deficit Is Short-Term And Will Not Hinder The Development Process.
Money and Business Economy News – Baghdad The Prime Minister's financial advisor, Mazhar Muhammad Salih, confirmed on Saturday that the financial deficit is short-term and will not hinder the development process.
Saleh said, according to the official agency, that “the financial deficit in Iraq is mostly linked to fluctuations in oil prices,” explaining that “investors realize that this deficit does not necessarily reflect institutional weakness, as much as it reflects global market fluctuations beyond national control.”
He added that "this perception becomes more firmly established when the deficit is accompanied by disciplined financing tools, such as issuing domestic bonds and sound management of public spending, which sends a clear message of confidence that the government is able to control the course of public finances and not slide into chronic imbalances."
He explained that “the presence of strong financial institutions, foremost among them the Central Bank of Iraq with its independence under Law No. 56 of 2004, constitutes an important reassuring factor for investors, as it reflects the state’s ability to absorb external financial shocks and maintain monetary stability.”
He pointed out that “despite the financial deficit, a number of investment attractions stand out that enhance investor confidence, foremost among them the low external public debt, which is a rare strength in the surrounding regional countries, as it means that Iraq is not burdened with stifling international obligations, which opens up a wider field for financing investment and future growth.”
He noted that “the relative weight of foreign reserves provides a solid cover for the national currency and gives investors high confidence that financial transfers and capital movements will not face severe restrictions or sudden disruptions,” explaining that “the stability of the exchange rate, even in the presence of a financial deficit, creates a predictable economic environment, which is one of the most important criteria that foreign investors look for when making their long-term decisions.”
He stressed that “the government’s commitment to major strategic projects in the fields of energy and infrastructure, such as the Development Road project, sends a clear positive signal to the investment community that the short-term fiscal deficit will not hinder the development process, nor limit Iraq’s ambitions to achieve sustainable economic growth and prosperity .” https://economy-news.net/content.php?id=64368
Exchange Rates Have Decreased In Local Markets.
Money and Business Economy News – Baghdad The markets of the capital Baghdad and the city of Erbil witnessed a decrease in the exchange rate of the US dollar against the Iraqi dinar on Saturday morning, in a decline that is considered the most prominent in recent days.
The Al-Kifah and Al-Harithiya exchanges in Baghdad recorded an exchange rate of 146,800 dinars per 100 dollars, compared to a previous rate of 147,800 dinars last Thursday.
Exchange rates also decreased in local money exchange shops, with the selling price reaching 147,250 dinars, while the buying price reached 146,250 dinars per 100 dollars. https://economy-news.net/content.php?id=64369
The Iraqi Economy And The Impact Of Oil Rent Shocks And Financial Imbalances On The Sustainability Of Stability And Growth Policies
Dr. Haitham Hamid Mutlaq Al-Mansour As the new year 2026 begins, the Iraqi economy continues to suffer from accumulated financial imbalances, linked to its chronic structural deficiencies. These imbalances act as a chain reaction, weakening the state's ability to achieve stability and growth.
The financial sector is subject to the same rentier nature each year, which fuels budget allocations and expenditure items. This dependence makes public finances vulnerable to any price decreases or declines in exports, leading to sudden revenue shortfalls that quickly translate into spending pressures.
These pressures can result in delayed payments, project reductions, or increased borrowing. This volatility makes long-term planning difficult and undermines the capacity to develop policies that support stability and growth.
While diversifying income sources beyond oil is a strategic option for mitigating risks, the reality of tax revenues remains far below potential. The tax system does not reflect the size of the economy, the volume of consumption, or imports. It also faces fundamental challenges, primarily the absence of a comprehensive GDP (industrial, agricultural, and tourism), resulting in tax revenue being concentrated on unproductive activities.
While a stable revenue base is not established to ensure the regular funding of essential services and provide the budget with the flexibility to withstand shocks through tax revenues, the state's management has become captive to a single source of rent.
On the expenditure side, the imbalance between current and investment spending is evident, with a large share of the budget allocated to consumption, while investment remains less stable and more susceptible to reduction during any crisis.
The danger of this pattern lies in its consumption of resources without building productive assets and infrastructure that enhance long-term economic capacity. Furthermore, the inflated size of operational spending has created substantial obligations, reducing the effectiveness of fiscal policy.
When revenues decline, the state cannot reduce operational spending and often resorts to postponing investment, increasing borrowing, or accumulating arrears, which weakens growth and increases economic fragility.
When deficit financing is employed, the problem is exacerbated by the financing mechanisms. While domestic or external borrowing may be necessary in some years to bridge temporary gaps, it raises the cost of debt servicing, squeezes out future budget resources, and may reduce the available space for investment spending and services.
Similarly, the accumulation of arrears, such as contractors' dues or inter-institutional debts, leads to a partial paralysis of the economic cycle.
This is because it delays payments owed to companies, which in turn delays wage payments, purchase payments, or business expansion. The crisis then spills from the state's records into the market and employment.
These imbalances are exacerbated by the inefficiency of public investment management and projects. Problems such as inaccurate planning, inflated costs, delayed implementation, and declining quality all reduce the "productivity of expenditure." This means the state may spend heavily without achieving commensurate results in infrastructure projects like roads, electricity, hospitals, or schools.
When project management is weak, public investment becomes less capable of generating growth and employment, and the perception that spending does not translate into services becomes entrenched. This, in turn, increases political pressure to boost current spending rather than restructuring it to enhance investment.
Therefore, financial imbalances cannot be discussed without addressing the contradictions between the overall economic objectives, the policies adopted, and the implementation procedures, on the one hand, and the external shocks that affect the ability of economic policy to achieve its goals, on the other.
For example, in a fixed exchange rate system, the effectiveness of sterilizing the money supply to stabilize the real exchange rate around its target value has diminished in terms of absorbing the impact of rising inflation and limiting the decline in the real value of the dinar and the purchasing power of individuals.
Inflation has begun to erode welfare, as the impact of the instability of the foreign exchange gap has not been limited to financial activities but has extended to basic consumer sectors, which represent a net import balance. This necessitates monetary policy intervention to achieve the goal of dinar stability.
Since the general budget is financed by the movement of global oil prices and their shocks that reduce oil revenues, the effectiveness of economic policy has also become affected by these fluctuations and shocks. Hence, coordination between the objectives of monetary and fiscal policy is necessary to ensure the sustainability of government support for inflation targeting and maintaining the stability of the dinar's value.
Therefore, any disruption in the dollar market or in financial transfer and compliance channels is reflected in prices and inflation, impacting purchasing power and social stability. When inflation rises or prices fluctuate, demands for salary increases or expanded subsidies intensify, placing renewed pressure on the budget.
The imbalance in the banking system is evident in the large size of the public sector in financial operations. Banking activity plays a limited role in financing the real economy, and due to weak financial intermediation, long-term financing for industrial, agricultural, and service projects remains limited.
This is accompanied by weak financial inclusion and the prevalence of cash transactions, which reduces the effectiveness of fiscal and monetary policies, as well as oversight and collection processes. This, in turn, weakens the decision-maker's ability to build an economic database that supports planning and revenue collection.
In such an environment, the private sector becomes more fragile, while government activity continues as the largest financier and operator of the banking sector, increasing pressure on the budget instead of alleviating it through diversification by the private sector.
Not far removed from this situation are corruption, the squandering of public funds, and tax evasion, representing a continuous leakage of resources and a weakening of trust and commitment. Corruption increases contract costs, distorts spending priorities, and reduces the quality of implementation. Tax evasion and manipulation at various stages of collection or in certain commercial outlets lead to direct revenue losses.
When trust in institutions declines, society's willingness to accept necessary reforms, such as broadening the tax base, restructuring subsidies, or improving tax collection, weakens. This traps the state in a vicious cycle of incomplete reforms, limited results, and increased resistance to reform.
In conclusion, Iraq's financial imbalances stem from the rentier nature and volatility of its revenues, the inflation of current spending compared to weak and ineffective investment, and the lack of sustainable economic stability due to its dependence on and vulnerability to fluctuations in oil production.
Furthermore, the banking system's limited role in financing private sector activity and the economy's sensitivity to foreign exchange rate volatility exacerbate these problems.
Therefore, crucial financial solutions include administrative reforms to consumer and investment spending, linking employment to productivity, improving project management through transparent contracting, oversight, and evaluation standards, and restructuring the banking sector, promoting financial inclusion, and linking it to productive financing.
Additionally, reforming service sectors such as electricity, water, and telecommunications, reorganizing revenue collection, and reducing leakage are essential.
This comprehensive package can transform public funds from a tool for crisis management into a tool for building a more diversified economy.
Therefore, in short, it is impossible to achieve financial and economic stability and growth without addressing aggregate supply imbalances, sustaining government support for the fixed exchange rate system, stimulating the market, and reducing dependence on imports by diversifying non-oil GDP sources.
In reality, these are policies that are still within the scope of long-term planning and the challenges of the chronic structural imbalance of the Iraqi economy, which require well-established structural policies and treatments. https://economy-news.net/content.php?id=64293
Seeds of Wisdom RV and Economics Updates Saturday Morning 1-10-26
Good Morning Dinar Recaps,
BANKING SECTOR CLEANUP — Laying the Groundwork for a Stable Revaluation
Before currencies reset, institutions must be law-abiding, transparent, and solvent
Good Morning Dinar Recaps,
BANKING SECTOR CLEANUP — Laying the Groundwork for a Stable Revaluation
Before currencies reset, institutions must be law-abiding, transparent, and solvent
Overview
Governments and regulators worldwide are intensifying audits, compliance enforcement, and anti-corruption measures across banks and financial institutions. This includes stricter AML/KYC rules, balance-sheet cleanups, removal of bad actors, and alignment with international banking standards.
The central idea: a revaluation (RV) cannot occur in a broken system. Clean books, lawful controls, and transparent settlement mechanisms are prerequisites. Corruption, hidden liabilities, and weak controls distort exchange rates, block cross-border settlements, and undermine trust, making any RV unstable or short-lived.
Key Developments
Clean Ledgers First: Illicit funds, fake balances, and legacy fraud are being identified and removed to ensure credible currency adjustments.
Rule of Law Reinforced: Strong enforcement restores confidence in banks’ ability to handle new or adjusted currency values.
Settlement System Readiness: Modernized banking infrastructure and real-time clearing systems are being prioritized for lawful international transactions post-RV.
Scam Reduction: Tightened controls reduce the risk of exploitation during periods of monetary transition.
Global Confidence: Foreign exchange markets require transparency and reliable reporting before recognizing higher or adjusted currency values.
Why It Matters to Currency Holders
Foundation Before Revaluation: Without clean and compliant banks, any RV is vulnerable to failure or reversal.
Investor and Market Confidence: Rule-of-law enforcement reassures global markets, encouraging participation in new currency frameworks.
Risk Mitigation: Scam and fraud reduction prevents value leakage and protects holders during transition.
Liquidity Assurance: Transparent settlement and clean balance sheets enable efficient cross-border transfers.
Implications for the Global Reset
Pillar 1 – Structural Integrity: Banks must have lawful, audited, and transparent operations to support credible currency adjustments.
Pillar 2 – Trust as Currency: Confidence in banking systems underpins stable FX rates and smooth international settlements, essential for a multipolar financial order.
Key Takeaway
A currency revaluation is not a matter of hype—it is a function of system integrity. Banking cleanup is a critical prerequisite. Only after institutions are fully compliant, transparent, and secure can sustainable value emerge and be globally recognized.
This is not just a function of system integrity — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
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BEFORE THE “GREEN LIGHT” — What Must Be Completed for a Stable Revaluation
Revaluation readiness is about structure, law, and technical integrity, not timing
Overview
A currency revaluation or major rate adjustment is the final step in a multi-layered process. The “green light” is granted only after structural, legal, and technical requirements are fully satisfied. Attempting a reset prematurely risks instability, reversals, freezes, and financial losses. Governments and institutions act last—after safeguards are fully in place.
Key Developments
Final Ledger Reconciliation: All sovereign, central bank, and commercial bank accounts must be audited, reconciled, and cleared of false balances and legacy fraud.
Legal & Regulatory Alignment: Banking laws, enforcement authority, and compliance frameworks must be fully active, protecting the reset from legal disputes.
Settlement System Readiness: Payment rails, cross-border settlement, and liquidity channels must function cleanly at scale without manual intervention.
Risk & Contagion Controls: Firewalls and safeguards must prevent bank runs, FX shockwaves, or arbitrage exploitation during rate adjustments.
International Coordination: Major trading partners, clearing hubs, and reserve institutions must recognize and honor adjusted values simultaneously.
Scam & Exploitation Suppression: Active takedowns, account freezes, and public warnings must reduce retail exposure prior to any public announcement.
Why It Matters to Currency Holders
Readiness Over Hype: Attempting a reset before structural readiness invites chaos and rapid loss of value.
Confidence is Key: Markets and investors require assurance that all legal, operational, and technical layers are functioning.
Cross-Border Stability: International recognition ensures that adjusted values are honored globally, avoiding arbitrage or disputes.
Risk Mitigation: Prevents sudden shocks, runs, and exploitative behavior that could undermine long-term currency stability.
Implications for the Global Reset
Pillar 1 – Structural Integrity: Audited ledgers, operational payment systems, and legal enforcement form the backbone of a sustainable currency adjustment.
Pillar 2 – Coordinated Confidence: Simultaneous recognition and compliance across global markets and institutions are essential to prevent fragmentation and loss of trust.
Key Takeaway
The “green light” is not about speed or hype—it is about absolute readiness. Enforcement, systems, and market confidence must align perfectly. Any leaks, noise, or premature speculation are signals that the process is not yet complete. A successful revaluation follows structure, law, and system integrity—not shortcuts.
The “green light” is not about speed — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
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Supreme Court Tariff Test — Markets Brace for a Trade Power Reset
Executive authority, import costs, and global market confidence hang in the balance
Overview
The U.S. Supreme Court is weighing whether a president can impose sweeping tariffs under emergency powers, a decision that could reshape trade policy, fiscal revenue, and market pricing.
The case centers on tariffs imposed under the International Emergency Economic Powers Act (IEEPA), a law that does not explicitly authorize tariffs.
Markets are positioning ahead of the ruling, with volatility concentrated in import-heavy sectors, currencies, and rates.
Key Developments
Legal Question: Whether IEEPA grants authority for broad, global tariffs without congressional approval.
Scope: The challenged tariffs affected a wide range of imports and generated substantial federal revenue.
Status: The Court has delayed a decision; the ruling remains pending after oral arguments signaled skepticism from some justices.
Market Sensitivity: Investors are hedging for sharp moves depending on whether tariffs are struck down, upheld, or narrowed.
Why It Matters
The ruling will define the boundary between executive power and congressional authority in trade, directly impacting prices, margins, fiscal balances, and policy predictability—all critical inputs for global capital allocation.
Market & Asset Implications (By Outcome)
If Tariffs Are Struck Down:
Equities: Relief rally likely for retailers, consumer goods, autos, and electronics as input costs fall.
Inflation: Downward pressure on goods prices; easing expectations could support risk assets.
Fiscal: Loss of tariff revenue may widen deficits, influencing Treasury issuance and yields.
Trade: Improved supply-chain flow and reduced friction support global growth sentiment.
If Tariffs Are Upheld:
Equities: Import-dependent sectors remain pressured; selective beneficiaries in protected industries.
Inflation: Persistent cost pressures keep goods inflation elevated.
Policy Risk: Precedent expands executive latitude, increasing long-term trade uncertainty.
If the Court Issues a Partial Ruling:
Volatility: Sector-specific swings as some duties fall while others persist.
Complexity: Unclear refund eligibility and compliance timelines prolong uncertainty.
Implications for the Global Reset
Pillar 1 – Rule of Law: Clear limits on emergency powers restore confidence in predictable trade governance.
Pillar 2 – Market Signaling: The decision recalibrates inflation paths, earnings expectations, and capital flows across borders.
Bottom Line
This case is not just about tariffs—it’s about how trade policy is made, how predictable it is, and how markets price risk. The outcome will ripple through equities, bonds, currencies, and global trade relationships.
This is not just trade law — it’s global market structure under review.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Reuters – “Market risk mounts as Supreme Court weighs Trump’s emergency tariff powers”
Reuters – “Supreme Court set to issue rulings as Trump awaits fate of tariffs”
~~~~~~~~~~
🌱 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
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Thank you Dinar Recaps
MilitiaMan and Crew: IQD News Update-"Iraq Dinar: Cash Drop in 5 Years" E-Rate
MilitiaMan and Crew: IQD News Update-"Iraq Dinar: Cash Drop in 5 Years" E-Rate
1-9-2025
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Follow MM on X == https://x.com/Slashn
Be sure to listen to full video for all the news……..
MilitiaMan and Crew: IQD News Update-"Iraq Dinar: Cash Drop in 5 Years" E-Rate
1-9-2025
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
Follow MM on X == https://x.com/Slashn
Be sure to listen to full video for all the news……..
FRANK26…1-9-26…….TWO
KTFA
Friday Night Video
FRANK26…1-9-26…….TWO
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…1-9-26…….TWO
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#
Seeds of Wisdom RV and Economics Updates Friday Evening 1-9-26
Good Evening Dinar Recaps,
RESERVES UPENDED — Gold Becomes Central Banks’ Favorite Asset
Central banks pivoting away from U.S. debt reshapes financial hierarchy
Overview
Gold has overtaken U.S. Treasuries as the most‑held foreign reserve asset among global central banks, reaching historic levels of accumulation. This milestone reflects both soaring bullion prices and aggressive official buying as nations diversify away from sovereign debt amid geopolitical and monetary uncertainty. Central bank gold holdings now rival or exceed Treasury holdings for the first time in decades, underscoring a structural shift in reserve strategy and confidence in traditional fiat assets.
Good Evening Dinar Recaps,
RESERVES UPENDED — Gold Becomes Central Banks’ Favorite Asset
Central banks pivoting away from U.S. debt reshapes financial hierarchy
Overview
Gold has overtaken U.S. Treasuries as the most‑held foreign reserve asset among global central banks, reaching historic levels of accumulation. This milestone reflects both soaring bullion prices and aggressive official buying as nations diversify away from sovereign debt amid geopolitical and monetary uncertainty. Central bank gold holdings now rival or exceed Treasury holdings for the first time in decades, underscoring a structural shift in reserve strategy and confidence in traditional fiat assets.
Key Developments
Central banks worldwide have driven gold holdings to roughly $4 trillion in value, surpassing the approximate $3.9 trillion in U.S. Treasury securities held by official institutions.
Gold’s rise has been fueled by record prices and sustained purchases, with over 1,000 tonnes added to official reserves for multiple consecutive years, a rare event in modern financial history.
The rally has been supported by broader geopolitical risk, inflation concerns, and questions about the long‑term stability of sovereign debt, particularly that of the United States.
Experts point to diversification motives and safe‑haven demand as central banks hedge against fiscal pressures, currency risk, and the weaponization of financial systems.
Why It Matters to Currency Holders
Dollar Dominance Eroding: The shift away from U.S. government securities as the top reserve asset signals waning confidence in dollar‑centric asset allocation.
Safe‑Haven Priority: Central banks favor bullion for its ability to preserve value and withstand sanctions or credit risk.
Risk Perception: Rising uncertainty in debt markets and fiscal outlooks boosts demand for real assets, influencing currency strategies.
Implications for the Global Reset
Pillar 1 – Reserve Asset Reconfiguration
Gold’s elevation marks a foundational shift in how nations manage reserves and hedges against systemic risk.
Pillar 2 – Monetary Diversification
Reduced reliance on a single sovereign debt instrument points toward a multipolar reserve landscape, creating space for alternative benchmarks or basket currencies.
Key Takeaway
Gold’s ascent beyond U.S. Treasuries as the primary reserve holding is more than symbolic — it reflects central banks’ strategic recalibration amid fiscal uncertainty and geopolitical risk. While the dollar remains dominant overall, this structural move underscores growing diversification and signals deeper change ahead in global financial architecture.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
~~~~~~~~~~
PRECIOUS METALS STORM — Index Rebalancing Sparks Bullion Volatility
Forced selling triggers short‑term pressure amid broader upward trend
Overview
Gold and silver markets are facing heightened volatility as major commodity indexes undergo their annual rebalancing, forcing significant bullion sales to realign weightings after massive price gains in 2025. Analysts estimate that billions of dollars in precious metals futures will be sold across rebalancing windows, creating short‑term downward pressure on prices even as underlying demand remains strong.
Key Developments
Major benchmark index funds, including the Bloomberg Commodity Index and the S&P Goldman Sachs Commodity Index, are executing annual adjustments that reduce the weighting of gold and silver after their historic rallies.
These rebalancing trades are expected to force billions in liquidations, with silver facing particularly heavy outflows relative to open interest and liquidity.
Prices have already responded, with both metals experiencing pullbacks from late‑cycle highs reached in 2025.
Market commentators note that while technical selling dominates short‑term price action, fundamental drivers — such as safe‑haven flows, central bank purchases, and supply constraints — remain intact.
Why It Matters to Currency Holders
Price Signals & Hedging: Bullion price swings affect hedge effectiveness and portfolio exposure to inflation or currency risk.
Liquidity Stress Test: Forced selling highlights market depth and liquidity resilience under stress.
Macro Sentiment Gauge: Precious metals volatility is a bellwether for risk tolerance and economic uncertainty.
Implications for the Global Reset
Pillar 1 – Market Stress Dynamics
Index rebalancing offers a real‑time test of asset demand under mechanical selling pressures, revealing the structural strength of non‑sovereign hedges.
Pillar 2 – Balancing Institutional and Official Demand
The tug‑of‑war between technical selling and strategic accumulation illustrates evolving preferences in global asset allocation, shaping reserve strategies and valuation benchmarks.
Key Takeaway
Annual index rebalancing may force short‑term price corrections, but broader demand drivers and structural shifts suggest precious metals remain central in risk mitigation and reserve strategy. How these markets absorb rebalancing pressures will inform confidence in metals’ roles within the emerging financial order.
This is not just politics — it’s global finance restructuring before our eyes.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Gold and Silver under scrutiny as index changes spark wave of bullion sales — Financial Times
Gold, Silver Risk Big Swings as Indexes Rebalance — Barron’s
~~~~~~~~~~
BRICS FAULT LINES — INDIA DRAWS A NAVAL RED LINE
Why New Delhi skipped the drill — and what it signals about BRICS security limits
Overview
India declined participation in a major BRICS naval exercise hosted by South Africa, despite being formally invited.
The drill brought together China, Russia, Iran, and South Africa, highlighting a growing security divergence within BRICS.
India’s absence reflects persistent India–China tensions, especially along the Line of Actual Control.
The move underscores that BRICS unity remains economic, not military.
Key Developments
The naval exercise off South Africa’s coast included heavy military assets, such as Russian destroyers, Chinese guided-missile ships, Iranian frigates, and South African patrol vessels.
India deliberately chose not to attend, with officials confirming the decision was political rather than logistical.
Analysts noted that India is increasingly cautious about joint military activities where China plays a leading role, even within multilateral frameworks.
Despite limited diplomatic thawing following recent high-level meetings, defense cooperation between India and China remains restricted.
In contrast, India has expanded its maritime leadership elsewhere, including heading training roles within the Combined Maritime Force, a Western-aligned coalition.
Why It Matters to Currency Holders
Geopolitical alignment — especially among major emerging economies — directly affects confidence in trade, settlement systems, and long-term currency strategy.
BRICS Is Not a Unified Security Bloc: Military fragmentation limits BRICS’ ability to act as a cohesive alternative to Western power structures.
Risk Premiums Remain Elevated: Persistent India–China tensions keep uncertainty embedded in regional trade and investment flows.
Selective Alliances Shape Capital Flows: India’s preference for Western-linked maritime coalitions reinforces existing global financial corridors.
Stability Over Symbolism: Currency confidence favors predictable alliances over headline-driven multilateral optics.
Implications for the Global Reset
Pillar 1 – Fragmentation Inside Multipolar Blocs
Economic cooperation can advance without parallel military unity, slowing the pace of systemic realignment.
Pillar 2 – Security Still Anchors Currency Trust
Unresolved border disputes and strategic mistrust constrain deeper monetary and trade integration.
Key Takeaway
India’s absence from the BRICS naval drill was not an oversight — it was a strategic signal. While BRICS continues to expand economically, security cooperation remains constrained by unresolved rivalries, particularly between India and China. Until those fault lines ease, BRICS will remain a financial forum, not a unified power bloc.
This is not just diplomacy — it’s the structural limit of multipolar alignment in real time.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Watcher.Guru — “India Skips BRICS Naval Drill as China Tensions Escalate”
AfricaNews — “Chinese and Iranian Warships Arrive in South Africa for BRICS Naval Exercises”
~~~~~~~~~~
DIPLOMACY BY DIAL TONE — How One Missed Call Derailed the India–U.S. Trade Deal
When personal politics replaced policy, tariffs did the talking
Overview
A near-final India–U.S. trade agreement collapsed not over substance, but over a missed leader-level phone call.
U.S. Commerce Secretary Howard Lutnick stated the deal was “all set up”, awaiting a call from Prime Minister Narendra Modi that never came.
The breakdown triggered punitive U.S. tariffs, escalating economic pressure on India.
Markets reacted sharply, with the Indian rupee hitting record lows.
Key Developments
Lutnick revealed that negotiations stalled because Modi did not personally call President Donald Trump to finalize the agreement.
He stated New Delhi was uncomfortable initiating the call, despite the deal being structurally complete.
Following the collapse, Trump doubled tariffs on Indian goods to 50%, the highest imposed on any U.S. trading partner.
A 25% tariff component was explicitly tied to India’s continued purchases of Russian oil, linking trade penalties to geopolitical alignment.
Trump has since warned of further tariff increases unless India reduces Russian energy imports.
Indian officials declined public comment, while privately acknowledging concerns about political exposure from one-sided diplomacy.
Why It Matters to Currency Holders
Trade negotiations between major economies directly influence capital flows, currency stability, and investor confidence.
Tariffs as Shock Weapons: Sudden trade penalties inject volatility into currencies and equity markets.
Rupee Vulnerability: Escalating tariffs and uncertainty accelerated downward pressure on India’s currency.
Geopolitics Over Economics: Trade policy is now openly leveraged to force geopolitical alignment.
Confidence Breakdown: Markets price predictability — personal diplomacy increases risk premiums.
Implications for the Global Reset
Pillar 1 – Weaponized Trade Policy
Tariffs are no longer defensive tools; they are instruments of geopolitical enforcement.
Pillar 2 – Fragility of Personalized Diplomacy
When agreements depend on leader chemistry instead of institutional process, systemic reliability weakens.
Key Takeaway
The stalled India–U.S. trade deal was not undone by tariffs, technicalities, or negotiators — it was undone by silence. As diplomacy becomes increasingly personalized, symbolic gestures now carry real economic consequences. In this environment, missed signals can trigger market shocks, currency stress, and long-term strategic drift.
This is not just a trade dispute — it is a warning about how fragile modern diplomacy has become.
Seeds of Wisdom Team
Newshounds News™ Exclusive
Sources
Modern Diplomacy — “A Call That Never Came: How a Modi-Trump Snub Stalled the India-U.S. Trade Deal”
Reuters — India‑US trade deal stalled after Modi did not call Trump, Lutnick says
~~~~~~~~~~
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
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Thank you Dinar Recaps
Some “Currency News” Posted by Henig at KTFA 1-9-2026
KTFA:
Henig: IMO: The currency of Thailand-the Baht-exchanges at $0.032.
Vietnam’s digital economy grows, national GDP may overtake Thailand’s
Jan 6, 2026, 10:36 am EST | Lu-Hai Liang
Vietnam’s digital economy reached $39 billion in gross merchandise value in 2025, growing 17 percent, the second‑highest rate in Southeast Asia.
However, Minister of Science and Technology Nguyen Manh Hung noted that much of the 2025 digital economy still centered on digitizing existing processes rather than creating new digital‑native business models.
KTFA:
Henig: IMO: The currency of Thailand-the Baht-exchanges at $0.032.
Vietnam’s digital economy grows, national GDP may overtake Thailand’s
Jan 6, 2026, 10:36 am EST | Lu-Hai Liang
Vietnam’s digital economy reached $39 billion in gross merchandise value in 2025, growing 17 percent, the second‑highest rate in Southeast Asia.
However, Minister of Science and Technology Nguyen Manh Hung noted that much of the 2025 digital economy still centered on digitizing existing processes rather than creating new digital‑native business models.
Heavy reliance on foreign platforms and limited SME integration into digital supply chains continued to constrain domestic value creation.
Experts highlighted the need for stronger foundations. Director of the National Data Center, Maj. Gen. Nguyen Ngoc Cuong, stressed that accurate, standardized and continuously updated population data is vital for secure and scalable digital services, according to a report from Vietnam Net.
Sectors such as e‑commerce, digital finance, health and education depend on robust electronic identification systems to prevent fraud and build trust. When combined with AI and Big Data, such data can generate economic value far beyond its initial use, according to the director.
Industry leaders also called for targeted policy support. Dr Pham Tuan Anh recommended government‑led hubs for green and digital transformation, incentives for FDI tied to local tech adoption, and deeper supply chain integration to strengthen domestic firms. Le Hong Viet of FPT Smart Cloud proposed public–private partnerships to expand national computing capacity and create a shared “factory” for research and development that’s accessible to all sectors.
This comes as Vietnam may score a major coup in surpassing Thailand in economic size, as measured by nominal GDP, per a report from International Business Times. Rapid growth combined with state-led infrastructure investment could see Vietnam become ASEAN’s second largest economy, behind Indonesia.
Digital ID system for all real estate assets under new national decree
Vietnam has issued a new regulation establishing a unified digital identification framework for all real estate assets. Beginning March 1, every real estate property will be issued a digital ID code, according to Vietnam Net.
The measure is set out in Decree 357/2025/ND‑CP and creates a centrally managed national information system and database for housing and the real estate market. The government says the system will ensure consistent data standards nationwide while improving transparency and state oversight.
A core aspect of the decree is the introduction of electronic identification codes for every real estate product in Vietnam. Under Clause 5, Article 3, each property — whether an apartment, standalone house, or unit within a construction project — will receive a unique digital ID of up to 40 alphanumeric characters.
For residential properties, the ID is generated automatically using key data groups: land parcel identifier; project or construction code; location code (where applicable); a system‑generated sequence of characters.
Local Departments of Construction will assign these IDs when confirming a property’s eligibility for sale, including for off plan or future-completed housing. A similar structure applies to floor space units within buildings, with IDs created when feasibility studies for construction projects are approved. Condominium management boards, licensed real estate brokers, and beneficiaries of social housing support will also receive digital identifiers.
The Ministry of Construction will manage the national system, while provincial authorities will collect, update and maintain data within their jurisdictions. Access will be tiered, with organizations and individuals granted permissions to create, update or retrieve information based on authorization from state agencies.
The system is designed to align with Vietnam’s national data architecture, supporting API‑based interoperability, decentralized access models, and integration with other national and sectoral databases. Once information is shared across connected systems, agencies will not be required to recollect it.
All data in the platform is classified as state property and protected under national information security, state secrecy, and personal data protection rules. Only aggregate information will be publicly accessible via the system’s online portal. Users will be able to obtain real estate data through three official channels: the system’s public information portal or online system‑to‑system integration or formal written requests to relevant authorities.
Data sharing among state agencies will be free unless otherwise regulated. Organizations or individuals seeking detailed or specialized datasets must submit requests through the National Public Service Portal or other authorized channels, with fees applied according to pricing rules.
Henig: IMO: Very interesting. *ANOTHER* country's currency in the works.
Floating the Moroccan Dirham: Challenges and Opportunities in 2026
Morocco is on the brink of a transformative economic reform as it prepares to transition to a floating exchange rate for the dirham by 2026. This historic move represents a strategic effort by the government to enhance the nation’s economic resilience, attract foreign investment, and integrate more deeply into global financial markets
Designed to unlock long-term growth, this reform brings with it immediate risks that must be navigated with precision, requiring robust planning and economic stability.
By Badr Bouarich Dec, 29, 2024
Morocco is on the brink of a transformative economic reform as it prepares to transition to a floating exchange rate for the dirham by 2026. This historic move represents a strategic effort by the government to enhance the nation’s economic resilience, attract foreign investment, and integrate more deeply into global financial markets. Designed to unlock long-term growth, this reform brings with it immediate risks that must be navigated with precision, requiring robust planning and economic stability.
Financial expert and former academic Badr Bouarich sheds light on the complexities of this transition. His insights highlight the critical challenges Morocco must address to safeguard its economy and the potential rewards that lie ahead if the reform is managed successfully.
Key Challenges of Floating the Dirham
The shift to a floating exchange rate, abandoning the current system of pegging the Dirham to the Euro and Dollar, comes with significant challenges.
Bouarich identifies three key issues: inflation, external debt, and currency volatility, each with far-reaching implications for Morocco’s economy.
Inflationary Pressure
Morocco relies heavily on imports for essential goods, including oil, wheat, and other staples. In 2023, Morocco imported approximately $12 billion worth of energy-related products and around $8.9 billion worth of food products (such as wheat and sugar), reflecting its dependency on external markets for critical supplies.
A weaker dirham could significantly increase the cost of these imports, driving up consumer prices and eroding purchasing power. Inflationary effects could hit low-income households the hardest, exacerbating social inequalities. Bouarich warns that without targeted safety nets, these groups may face severe economic hardship.
External Debt
Morocco’s external debt stood at approximately $69.2 billion as of late 2023, representing around 50% of GDP. A sharp depreciation of the dirham could escalate debt servicing costs, strain public finances and divert resources away from vital development programs. In 2023, debt servicing costs reached $4.9 billion, a figure likely to increase with a weaker currency.
This could undermine Morocco’s fiscal stability and its ability to maintain investor confidence in international markets. Bouarich emphasizes the importance of fiscal discipline and careful debt management to mitigate these risks.
Currency Volatility
Floating currencies are subject to market-driven fluctuations, which could create uncertainty for businesses and investors. Sharp volatility episodes can deter foreign direct investment (FDI) and disrupt trade in the short term.
Morocco’s FDI inflow in 2023 rose to $2.5 billion, reflecting a moderate increase compared to 2022. Sustaining or growing foreign investment will require robust financial safeguards. Financial institutions must be prepared to counter speculative attacks on the dirham, ensuring market stability during the transition.
Strategic Mitigation Measures
To navigate these challenges, Morocco must adopt strategic measures that ensure economic stability while leveraging the benefits of a floating exchange rate. Bank Al-Maghrib, the country’s central bank, will play a pivotal role in managing currency markets and intervening when necessary, while addressing structural issues, to prevent excessive fluctuations. These interventions will be critical to maintaining investor confidence and fostering a stable economic environment.
Bouarich also highlights the importance of encouraging businesses, particularly those in the energy and commodity sectors, to adopt hedging strategies. These financial tools can protect companies from the adverse effects of both underlying asset & exchange rate volatilities, ensuring operational stability. Moreover, implementing regulations to cap distributor profits in essential sectors such as energy and food can help stabilize domestic markets and shield consumers from inflationary shocks.
Learning from Global Experiences
Morocco’s approach to transition to a floating exchange rate stands out as a measured and proactive one. Bouarich contrasts this with Egypt’s experience in 2016, where a sudden, forced and unplanned flotation led to a steep devaluation of the Egyptian pound, causing inflation to spiral out of control, reaching 30% by 2017. Egypt’s lack of preparation resulted in significant social and economic unrest.
In contrast, Morocco has maintained stable foreign reserves, estimated at $36 billion in 2024, equivalent to nearly six months of import coverage. The country has additionally kept inflation under control at 1% as of end 2024. By learning from global experiences, Morocco can avoid the pitfalls encountered by others and implement a smoother, more effective reform.
Boosting Export Competitiveness
One of the most promising benefits of a floating dirham is the potential to enhance Morocco’s export competitiveness. A weaker dirham could make Moroccan goods and services more affordable in international markets, benefiting industries such as agriculture, tourism, and manufacturing. Morocco’s exports of goods and services were valued at approximately $42.5 billion in 2023, and a competitive currency could further bolster this figure.
However, Bouarich cautions that realizing these benefits will require continuous investments in infrastructure, logistics, and workforce development. For instance, improving port facilities such as the Tanger-Med Port, which handles over 9 million containers annually, and transportation networks can reduce export costs and improve efficiency, while upskilling the workforce can enhance productivity, innovation, quality and image.
These complementary investments are essential to ensuring that the advantages of a floating exchange rate translate into tangible economic growth.
Conclusion and Next Steps
The transition to a floating exchange rate for the dirham is a bold reform that represents both significant risks and transformative opportunities. Morocco’s success will hinge on its ability to maintain economic stability, protect vulnerable populations from inflationary pressures, and foster confidence among investors and businesses.
With careful planning, strategic interventions, and fiscal discipline, this reform has the potential to position Morocco as a competitive player in global markets.
The journey to a floating dirham is only beginning. In the next article in this series, we will explore the critical role of communication, policy measures, and stakeholder engagement in ensuring a smooth transition.
Bruce’s Big Call Dinar Intel Thursday Night 1-8-26
Bruce’s Big Call Dinar Intel Thursday Night 1-8-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the big call tonight. it is Thursday, January, 8th and you're listening to the big call. Thanks for tuning in. Yeah, once again, and we're looking forward to having a really good call tonight. So thanks for joining us.
So let's take that and thank you, Bob. Appreciate that. It's a really good segment. Let's take this thing into the Intel, and let's see where we are today, January 8. Now, we have talked to three different sources that are saying almost the same thing, with a caveat.
Bruce’s Big Call Dinar Intel Thursday Night 1-8-26
Transcribed By WiserNow Emailed To Recaps (INTEL ONLY)
Welcome everybody to the big call tonight. it is Thursday, January, 8th and you're listening to the big call. Thanks for tuning in. Yeah, once again, and we're looking forward to having a really good call tonight. So thanks for joining us.
So let's take that and thank you, Bob. Appreciate that. It's a really good segment. Let's take this thing into the Intel, and let's see where we are today, January 8. Now, we have talked to three different sources that are saying almost the same thing, with a caveat.
The first source said notifications. For Tier 4b that's us, the internet group should be out this weekend. And they defined the weekend is Friday, Saturday or Sunday. Well, tomorrow's Friday, Friday, Saturday or Sunday.
The next source says the next source is, well, they're all good high sources
This one said, if all go, if it all goes according to plan - `that's an if then statement, right? If all goes according to plan, then we will be notified this weekend, Friday, Saturday or Sunday.
And we had another source, separate source, that said virtually the same thing, if everything goes according to plan , then we should be notified for tier 4b this weekend.
Estimate for the same time frame but the caveat is if it, if everything goes according to plan. Well, what is everything? What is the plan? Does it involve, eliminating sanctuary cities in Sanctuary states?
Is that the plan, that's part of plan,does it need to be complete before we go, I don't have an answer to that.
What about, what about what ice is doing in Mogadishu, Minnesota, which is a different way of saying Minneapolis, because you know what's gone on there? Yesterday was a sad thing that happened, but ice is trying to do their job. They're trying to uphold the law of this country, and we should be in favor of that happening, and shouldn't be trying to stop that from happening.
So that's going on. That's not the only city where there are protests, or could be protests.
So there are some hot spots that are being addressed. We're very aware of, of course. No surprise, none of this has taken President Trump and his cabinet and the administration, by surprise, so they are making the changes they need to make to take care of that situation.
Now is that everything that needs to be done according to plan. Is there more?
What about the introduction of the USN, our new currency.
What's the timing on that? Has a silver debacle the shorting of silver left certain banks holding the bag, so to speak, not being able to cover the shorts. And so we'll have to see how that comes out, because it should be something rectified.
Might not be very easy to do that. There's quite a bit to that silver thing going on right now.
So the new currency, the USN and USTN or physical folding money. United States Treasury knows that we would put in wallets and money clips and purses.
That is something else that needs to be discussed or brought out. I think it will be done, possibly with a major announcement. It could be an EBS type announcement, although I wouldn't call it an emergency. It's just informing the people of the United States of a new currency that is asset backed.
Now I understand. Maybe it's already in play now, the US and asset backed currency, but nobody's been informed of it, except us. So what about the general public out there that needs to know?
Hey, we have better thing. We have a better currency, the old currency, the USD is going away. The new currncy is here to say it looks like for quite a while. It's based on assets. It's backed by gold, silver, platinum, palladium, oil, natural gas, other assets, and we have that that's going to be backing and is backing our new currency digitally, we've got, don't forget, digital coins that are also part of that game, that are there too.
There's quite a bit to it, quite a bit too, and that we're becoming more and more aware of.
I've been told the EDS EAS is ready to kick in and go into effects. And it would affect all new stations from the United States and probably around the globe, maybe as much as six hours a day, all kinds of things.
It could be putting things we just don't know they would start with. And what about Nasara? We're looking for Nasara to be in effect and kick in starting this month. And we're looking for our Doge. We're looking for R and R, if not, as a direct deposit. Okay, we're looking for the two, more $2,000 a month tariff dividends that it are supposed to go direct deposit.
And obviously, we're looking for increases in Social Security. No, if it'll be this month, it could be nothing.
We're looking for this RV to kick off - And the timing of it, I gave you three sources that were telling us their limiters come out this weekend, if everything goes according to plan, kind of a big “IF” and we do have one outlier, and that's HSBC, that is saying, soon after Martin Luther King Day, which is January the 19th, soon after, it could be 20 – 22 in that time - obviously, I don't want to take us out that far.
I hope that's an outlier that is not as accurate as what we're getting from our other sources. But I have to be honest with you guys and tell you that's what I'm hearing Now it doesn't mean it's absolute. It's just something that we have to be aware of. Okay, I don't like receiving that, but I have to be fair to let you know that is one source, one opinion from one major bank.
Now let's go beyond that and talk about Med beds for a moment. Med beds have all been activated, to be going from now on, that's 23,500 hospitals in the United States that have been retrofitted with either two or four med beds. Half of those hospitals have two Med bed already in each one, and the other half have four med beds in each one.
I would think the larger hospitals have the four, the smaller hospitals would have the two. That's just my that's just my guess, but those are in place, activated, ready to start
Now. What has been the trigger for the Med beds? It's us getting our notifications, getting the exchanges started, and then letting them know that we have dire need, and Zim holder and boom, we can get an appointment made.
So I think it's interesting that information med beds are good to go, ready to go for us, but we still need the RV to kick in for to get access to them that decided to do it, and as it is okay, we're not going to be going in the set of appointments and go in for our exchanges and tell them what we need, and then they contact us about an appointment for the med beds I just wanted to throw that in . You get that free for nothing.
Okay? And by the way, the med beds are free, and the hospitals have them. But also med bed centers, I'm calling those just independent areas all around the country have somewhere in the vicinity of 26,900 Med Bed Centers with two med beds in each one -
Okay, so those are, those are out there. There's some are being used for military. Some have been used to help trafficked children that need help through the med beds. That's the use so far that we know of.
And so now we're looking to get started . I don't know when the public , quote, unquote, the non Zim dire need public will get access. I don't know how soon that will be. And then, of course, I don't know how long it will take for the entire world to be set up for these to start.
So I’ve been trying to find that information out, I still don't have that yet that I feel is reliable.
So what I wanted to tell you earlier in a minute here was it's important, there's a lot of chatter out there now that’s talking about, what about the Internet Group? Are they ready? Are they ready to receive such a blessing as what we're talking about, so that they do the right thing with it and not just try to hoard it themselves?
Well, you know, as well as I do, if you've been listening the big call for the last 14 years, since we've just started our 15th year. You know, the emphasis has been on helping other people, humanitarian projects, helping people to uplift other people's and level the playing field globally. I mean, that's what Trump wants, and that with the Currency Reset, that will eventually allow everybody to trade their currencies with us, one for one. Eventually we'll have a very fair trading scenario all over the globe, take advantage of what we're going to get, which are higher rates. Eventually, these high rates that we'll get on Dong and dinar other currencies will settle down and be on par, meaning, even if on par with the USN dollar, the new dollar.
So for right now, it's a blessing for us that we are able to take advantage of that differential in exchange rates and exchange our dinar, our dong, our rupiah, you know, our Bolivar. Karen Ghani and other currencies, and then, of course, redeem the Zim.
Redeem it because we we look at it like a bearer bond. On the nose, it says, payable to the bearer, bearer bond. That's why we refer to the Zim as a bond. Okay, so I'm going to say let's pray that everything does go according to plan, and we do get notified this weekend. That's what our prayer is.
And let's, let's just believe that all the cleanup that needs to be done, everything is in process.
Look, we did a major thing in Venezuela, and that brought the Bolivar back out. It was off the off the charts. Now there's a place for the bolivar to come back. I think the major stuff is happening over in Iran to turn that government around and if so, you know what the Iranian rial is back in play too.
So let's just believe that this is all working together for our good. We know it's true.
Let's pray that this happens and we do get the correct information if everything goes according to plan, but we do have the numbers to set up our appointments, the 800 members to call centers to set up our appointments, and they should be out either Friday, Saturday or Sunday, according to three major sources, so we'll see.
There's always more information to come. There is more information on expecting more tonight, later tonight, but we'll see what happens. But in the meantime, what we should do is prepare for the possibility that last on leverage will will possibly take place the 16th and the 19th of this month, Friday and Monday.
So let's pray a call out. And you know, I want everybody to have a collective prayer together that everything goes according to plan.
We could get notified Friday, Saturday, or Sunday, whatever notification is over 50% of the deal.
That's way more than half of the game. We get notified. We get our 800 numbers. We can set our appointments. Boom, we're good. Okay, we are golden. So let's do this, guys. Let's pray the ball out, and then we'll turn off the recording
Thank you, Lord for everything that is going in the direction we want. Hey and speak that everything that needs to be done is done correctly in order so that the toll free numbers can be released this weekend. We thank You for it in advance. We bless your name and give You all the praise and glory Jesus name, Amen and Amen.
Thank you listening. Have a blessed night and a blessed weekend. Let's keep an eye on it and we'll see. We'll see if they come out this weekend. God bless you. Good night.
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Iraq Economic News and Points To Ponder Friday Afternoon 1-9-26
Central Bank Governor: Weak Economic Diversification Is Putting Pressure On The Dollar And The Exchange Rate.
Banks Economy News – Baghdad The Governor of the Central Bank of Iraq, Ali Al-Alaq, confirmed that the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate.
Central Bank Governor: Weak Economic Diversification Is Putting Pressure On The Dollar And The Exchange Rate.
Banks Economy News – Baghdad The Governor of the Central Bank of Iraq, Ali Al-Alaq, confirmed that the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate.
Al-Alaq explained, during a lecture on development financing in light of the global debt crisis, held on the sidelines of the Fifth Regional Conference of the Al-Baraka Forum for Islamic Economics, which is being held in Cairo in partnership with the General Secretariat of the League of Arab States, that “the Iraqi scene is facing intertwined pressures and accumulated infrastructure and development challenges, which require diversifying the economy and maximizing public revenues,” noting that “public finances in Iraq depend on oil exports by more than 90%, which is an unconventional source subject to fluctuations in global prices, which leads to fluctuations in revenues and weak financial stability, which necessitates finding structural solutions.”
He explained that “the limited economic diversification and weak productive sectors have made Iraq a country that is primarily an importer, which puts continuous pressure on the dollar and the exchange rate, especially with the rise in purchasing power and the increase in daily demand for foreign currency, which directly affects monetary policy, which has achieved great success in balancing the maintenance of price levels, managing liquidity, and stimulating the economy.”
He pointed out that "public spending pressures, particularly on salaries, subsidies and basic services, pose an additional challenge," stressing "the difficulty of reducing these expenditures due to the potential social repercussions, at a time when the central bank is striving to avoid inflation and maintain monetary stability to protect the social structure of the country."
Al-Alaq pointed out that “Iraq has been able in recent years to finance part of the financial deficit through the development of non-oil revenues, while continuing to coordinate with the Prime Minister with the aim of maximizing these resources and reducing dependence on oil,” in an effort to break what he described as the “financial dominance” of oil revenues over the general budget.
The governor of the Central Bank affirmed that "the stability of the exchange rate is a pivotal goal, as it provides a safe cover for investors and citizens," noting that "Iraq has succeeded in raising the size of foreign reserves and linking them to a package of integrated monetary policies, which have contributed to reducing the inflation rate to about 1%, which is among the lowest levels recorded."
He added that "Iraq is in the process of governing the banking sector," revealing that "an update is underway in cooperation between the Central Bank and an international company for a comprehensive reform plan, which includes reviewing bank licenses according to new conditions and standards, in order to strengthen the banking system and raise its efficiency."
Regarding Islamic bonds, Al-Alaq explained that "there are no Islamic bond instruments in Iraq yet," noting that "there is an integrated project submitted by the Central Bank to the Iraqi Parliament for voting, which opens new horizons for financing and investment."
On the issue of debt, Al-Alaq stressed "the need to find an organized and continuous international dialogue between creditors and debtors," calling for "the establishment of a regional platform to organize this dialogue and reduce the gap between the two parties, in order to ensure negotiations without significant losses, and to contribute to the implementation of reforms and the strengthening of the economic base with the support of the participating countries."
He pointed to “international studies showing that losses in the debt file may range between 20% and 25% as a result of poorly considered financing conditions or delays,” stressing that “negotiating platforms contribute to reducing these losses and enhancing international cooperation by improving debt conditions, bridging the information gap, and exchanging experiences in economic reform processes.” https://economy-news.net/content.php?id=63504
A Sudanese Advisor Explains To "Al-Eqtisad News" The Repercussions Of Fixing The Exchange Rate At 1300 Dinars In The 2026 Budget.
Money and Business Economy News – Baghdad The Prime Minister’s Advisor for Economic and Financial Affairs, Mazhar Muhammad Salih, revealed on Thursday the impact of the Central Bank of Iraq’s decision to fix the official exchange rate at 1300 dinars in the 2026 budget.
Saleh told Al-Eqtisad News that "the government decided to fix the official exchange rate at 1,300 dinars per US dollar in the 2026 budget project, within the framework of what he described as 'calculated coordination between fiscal and monetary policies'."
He explained that this step represents a limited increase in the value of the Iraqi dinar, and is a positive sign that reflects the strength of the country’s foreign reserves and the ability of monetary policy to confidently maintain stability.
He pointed out that fiscal policy is now moving towards maximizing real revenues, moving away from resorting to what is known as "monetary adjustment," which relies on using the exchange rate as an indirect financing tool, stressing that this trend promotes the use of authentic financial instruments to mobilize resources and control spending.
The advisor stressed that this monetary signal sends a clear message that containing inflation and stabilizing the national economy is a permanent priority, while maintaining the independence of monetary policy, and pushing fiscal policy towards greater efficiency and responsibility, in order to achieve the sustainability of macroeconomic balance in the Iraqi economy.
Earlier today, the Central Bank of Iraq addressed the Ministry of Finance regarding fixing the official exchange rate at 1300 dinars in the 2026 budget. https://economy-news.net/content.php?id=64316
The Dollar Stabilizes As Concerns About Venezuela Subside.
Money and Business Economy News — Follow-up The dollar held near a two-week high as Asian trading began on Tuesday, with market jitters over U.S. military action in Venezuela easing and dovish comments from Federal Reserve officials encouraging risk-taking on Wall Street.
The dollar index, which measures its performance against a basket of six currencies, stood at 98.36, up 0.04%, after ending a four-day winning streak on Monday.
“The market isn’t really worried about what’s happening geopolitically, at least in the near term,” said Rodrigo Catril, a currency strategist at National Australia Bank in Sydney. He added that this environment “reduces the appeal of safe-haven assets, and we’ve seen the dollar in a difficult position,” according to Reuters. https://economy-news.net/content.php?id=64219
Monetary Policy Indicators Confirm The Central Bank Will Be First In 2025
In countries that adopt an institutionally managed economic system, each institution retains its independence and authority to manage economic affairs according to the methodology and philosophy that aims to achieve economic stability and the well-being of society.
Therefore, central banks receive special attention in most countries of the world as the sovereign and prudent economic institution concerned with achieving the above goal through the application of monetary policy tools and the realization of its objectives.
With the approach of the end of 2025 and the beginning of 2026, and following a review and analysis of the policies, programs, and procedures implemented by the Central Bank of Iraq in 2025—a year of political and economic challenges and crises, and numerous changes at the global and regional levels, which negatively and positively impacted the Iraqi economy—the Central Bank demonstrated its wisdom and efficiency in overcoming challenges and moving forward to achieve its objectives set for the next three years.
It also proved to be the leading economic institution in 2025. On this occasion, we must appreciate the outstanding efforts made by the specialized administrative and technical leaders and distinguished employees of the Central Bank who contributed effectively to the implementation of what was stated in the government program in Axis 12 (Financial and Banking Reform) during the years (2023-2025) and the Central Bank’s third strategy and the comprehensive banking reform project.
The launch of the financial inclusion strategy, the promotion of digital transformation, the activation of electronic payments, and the strengthening of cybersecurity.
The Central Bank was able to achieve economic growth and stability in extremely complex economic, security, and political conditions, and was able to implement developmental, structural, and technological policies and programs, and take numerous measures in cooperation with the government to regulate foreign trade financing, control foreign transfers, integrate into the global financial and banking system, comply with international standards, and move to the electronic platform.
Achieving the main and sub-goals of its third strategy and starting to implement the comprehensive banking reform project according to the paths drawn up in cooperation with the global consulting firm Oliver Wyman to enable the banking sector to grow and develop and to be a solid, comprehensive, modern and flexible sector that works hard to build a rapidly growing national economy, contributes to development and investment, creates a cumulative increase in the gross domestic product, provides one million job opportunities for the unemployed, raises the market value of the private banking sector and achieves rewarding and sustainable returns for its investors. In addition to increasing foreign investment and achieving growth in financial inclusion, financing and deposits.
Analysis of monetary policy indicators as of the third quarter of 2025 indicates the building of foreign exchange reserves of around $100 billion. Gold reserves at the Central Bank recorded a significant growth rate of (64%), reaching a value of (27.552) billion dinars, equivalent to (173) tons during the same period, compared to a value of (16.817) billion dinars in the second quarter of 2024.
The decrease in the issued currency contributed to a decrease in the inflation rate, which maintains the stability of the general price level, as the currency issued by the Central Bank recorded a decrease in the rate of (5.50%), reaching (99.681) billion dinars during the same period, compared to a value of (104.127) billion dinars in the second quarter of 2024.
The decrease in the inflation rate also indicates a decrease in the general price level, as inflation recorded a low rate of (76%), reaching (0.8%) compared to the second quarter of 2024, which reached (3.5%). This confirms that the Central Bank was able to build basic pillars for monetary and economic stability and achieve the most important objectives of monetary policy.
Therefore, I believe, with complete impartiality and transparency, that we should stand in respect for the efforts of the Central Bank and its distinguished staff who achieved the above accomplishments, and I hope that those efforts will be evaluated, which is a legitimate entitlement. https://economy-news.net/content.php?id=63555