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Parliamentary power: the fluctuation of oil prices outside the will of the government is in the process put Stratejp for the advancement of economic reality History of edits:: 04.15.2015 13:34 • 81 visits readable {Baghdad: Euphrates News} said the oil and energy parliamentary, that "the subject of the fluctuation of oil prices between rising and falling is out and choice of government authorities, because it depends on the global market, supply and demand, and the government is unable to oil prices and bind the global market controlled." The committee member said Razak Mheibes told {Euphrates News} "The government is developing a strategy for the advancement of economic reality in general throughout the country." He added that "the government and in collaboration with the Ministry of Oil and the Committee of the Parliamentary Energy Finance and the Ministry of Finance Committees, economy and investment, is working on a special strategic sectors oil and energy, industry and technology ", stressing the need to" take responsibility and develop alternative oil economic plans to supplement the country's money. " It is said that the Iraqi economy is heavily influenced by, because of the fall in oil prices over the past few months, in addition to the large fiscal deficit in the budget for last two years The current is significantly affected the overall economic in the country, which led the government to declare a state of austerity in the country .anthy m

Whether you are at a point in your life where you believe this or not it has proven true for many people. What you think affects your reality. Your experiences, your influences, and your beliefs from childhood can and DOES influence your choices and decisions as an adult . Here is just one person's story. I feel this could be valuable information for any and all that are about to have a major life change in the regards to finances / wealth 7 Ways Money Memories Can Affect Your Finances By: Christine Mathieu Posted on Feb 22, 2013 Growing up, my grandmother was a master seamstress, and I always had beautiful clothes without ever having to pay for them. My taste for fine garments didn’t change as I got older, but it was a shock when I had to begin paying for them myself. I can still hear my mother telling me, “You have champagne taste on a beer budget.” I could have taken this as a warning to not spend money that I didn’t have. Instead, it felt as if I’d been told that I was no longer deserving of the finer things in life, which sent my sense of self-worth into a downward spending spiral. The consequences: $8,000 of credit card debt—along with disappointment, anger and blame. As children, we begin to form our beliefs and attitudes about money through value-laden messages that are passed on to us by our parents, grandparents and society. In my work as a Financial Life Planning® Advisor, I call these “money memories.” What Money Memories Can Teach Us Delving into our money memories helps us to gain insight into the things that have consciously and subconsciously influenced how we think and feel about money—and how we handle finances. In order to move forward and navigate life with greater financial confidence as adults, we must look back. After all, a belief is nothing more than a thoroughly practiced thought. By asking yourself these seven questions, you’ll begin the process of self-reflection—and learn a great deal about the ways in which you handle money today. 1. What is your earliest money memory? My own is of receiving an allowance. My sisters and I completed our chores and did what was expected, yet there was a point in time when we were no longer compensated. The work continued; the payments stopped. I realized many years later that my penchant for intermittent work, and a lack of a steady paycheck, echoed this experience. I thought that my work wasn’t good enough for steady payment, so I didn’t make it a priority. What can you learn from your own earliest money memory? Is there a connection that can be made between this memory and a current behavior? 2. How was money used in your family? Was it mainly used to reward, punish, survive, impress, control, help others, have fun, buy love, reach goals or something else? I have a client who grew up having only positive experiences with money. She earned an allowance (and sometimes a trip to the ice cream store!), and her parents donated to their church and community on a regular basis. By having no financial struggles or hardships as a child, my client developed a positive, constructive view of money—and a strong foundation for wealth. 3. What was your family’s financial status? Did you consider your family to be rich or poor? Why? Once you have your answer, the next question to ask yourself: “What does being rich or poor mean to me?” This will help you to define what true wealth means to you. Does having large sums of cash make you wealthy? Or is being wealthy synonymous with being happy? 4. What were your parents’ spending and saving patterns? Growing up, my mother never spent money on herself—everyone else’s needs and wants always came before her own. Now that I look back, I realize that her self-deprivation made me feel less valuable; if she didn’t deserve treats, neither did I. So I did the opposite, becoming a compulsive shopper to prove that I was deserving. Family money baggage is a serious thing. We tend to take the beliefs about money instilled in us from our parents and carry them with us for a long time, if not always. 5. When did you start earning your own money? Did it make you feel independent, powerful or uncomfortable? And how do you feel about earning money today compared to when you first began as a kid? Most of my clients say that they felt independent and empowered. For the first time, they were free to make their own choices. It wasn’t about the money—it was about the emotion. For many of us, how much we earn determines our sense of self-value. Could it be that when we were children we were more focused on how we felt versus the cold hard cash? If you are happy with your earnings, rock on! If you aren’t, what would it take to make you feel better? 6. What career messages did you receive? Were you encouraged as a child to dream big when it came to choosing a career or were you told to play it safe? I have several clients who are artists, and many of them struggle with the limiting belief that fame and fortune come after death (see: Van Gogh and Gaugin)—that during this lifetime they are doomed to starve. How is your career or vocation valued? 7. What do you expect from money? One of my personal affirmations? “I want enough money to do what I want whenever I want!“ I want money to give me the ease of choice. From there, everything else can fall into place. If money weren’t an issue, what would you do with your life? By taking money out of the equation, you get to the heart of what you really want—and then you can figure out how to get there. Christine Mathieu is a Financial Life Planning® Advisor and the author of “From Wisdom to Wealth: Insights to Creating Your Path to Wealth.”

Ten Steps to Genuine Self-Acceptance By Marcia Sirota, MD Where do genuine self-love and self-acceptance come from? We get these things by soaking up all the affirmation our parents give us when we’re little. Also, our parents model their good self-worth to us. What happens, though, if our parents didn’t give us what we needed? Are we doomed to forever feeling inadequate or unworthy if our folks were neglectful toward us or unaccepting of themselves? The good news is that a person can develop self-love at any stage of life. Like learning a language, it’s easier to do as a child but it’s absolutely possible to do as an adult, using the following ten steps: The first step is to recognize that any neglect, abuse or lack of protection you experienced as a child had nothing to do with you and everything to do with your parents’ limited capacity for giving love. If your parents mistreated you it was not an indication of your inadequacy but rather, of their failings as parents. It is a mistake to judge yourself based on their poor parenting. Too many people walk around with the incorrect assumption that they are undeserving of love, success or happiness today because they failed to please their parents. The truth is, good parents love and accept their children regardless of their behavior or attributes. In fact, everyone deserves good things in life, regardless of whether or not they had adequate parenting. The second step is to grieve the loss of what you didn’t receive as a child, and begin to give yourself all the love, care and support you needed then and still need, today. In this way, you can start letting go of your past and being there for yourself. You’ll become your own “good parent” by making some time each day to engage in supportive and affirming self-talk. Thirdly, take a good, clear look at the choices you’ve been making; forgive yourself for your mistakes and set your intention to make better choices in the future. Self-esteem isn’t about complacency or leniency toward yourself but about compassion. An attitude of laziness or irresponsibility won’t help you develop self-esteem, but striving to be a better person will. In the fourth step, you must recognize your negative self-talk. The judgments and criticisms we receive as children are internalized and become the “inner critic” whose negative messages are so familiar that often, they’re unrecognizable. You’ll need to begin identifying all the things you say to yourself that undermine your self-confidence and self-acceptance. One such way is to ask yourself, “Would I talk to anyone else like this?” When you recognize the messages of the inner critic, you can begin to contradict them, one by one. Remember, nobody needs to be perfect, and that being good enough is good enough! The fifth step is to trust yourself that you have what it takes to live your best life and to handle each challenge as it arises. Self-trust leads to confidence, and greater self-esteem. The sixth step is to face your challenges head-on. Avoiding difficulties leads to a sense of helplessness, which develops into anxiety and shame. Dealing with your challenges leads to a sense of mastery, and pride in your accomplishments. The seventh step is standing up for yourself in your relationships and letting the important people in your life know what you really need and feel. Confrontation might be scary, but it will separate out your true friends from your false ones. Improving your good relationships and walking away from the bad ones will make you feel empowered and will heighten your sense of self-worth. Being a genuine person is a necessary eighth step in developing self-worth. If you put on a persona, no-one can know or love the real you. If you are genuine, you’ll experience esteem-building love and affirmation from the people who are close to you. Self-soothing is the ninth step: You need to be able to comfort and reassure yourself when things are difficult. If you can’t do this, you’ll end up using food, alcohol or other addictions to self-soothe. These choices will create shame, whereas constructive self-soothing will build self-confidence and self-love. Being a self-centered, thoughtless or greedy person won’t enable you to feel good about yourself. On the other hand, being kind, generous and patient with others will benefit them and enable you to feel good about yourself. Being a loving and giving person is the tenth and final step in building genuine self-acceptance. Marcia Sirota MD is a psychiatrist and psychotherapist practicing in Toronto Canada. Her areas of interest include overcoming compulsive eating and other addictions, unblocking creativity and healing PTSD. She is the founder of the Ruthless Compassion Institute, which is dedicated to promoting the philosophy of Ruthless Compassion.

Don’t Fear The Haters By Marcia Sirota In my creativity and empowerment group for women the other day, we were having a very interesting discussion about the fear of criticism. It turns out that many of the participants were afraid to put their artwork out into the public space, because they didn’t feel they’d be able to tolerate the nasty criticism they might receive. Of course, this fear isn’t limited to the people who attend my workshops. The wish to avoid criticism, especially for one’s creative output, is universal. I think that there’s a way around it, though. It’s a matter of understanding who these potential critics are. There are always going to be people who just want to bash whatever we might say or do. If we take a minute to look at it, it’s clear that these are nasty, unhappy individuals who have nothing of value to offer us by way of feedback. We can recognize them for the cranks that they are and choose to discount what they’re saying to us or about us. On the other hand, most people are well-meaning. If this type of individual gives us feedback, it will be done with kindness and tact, as their intention is to assist us, not put us on the defensive. As I discussed with my group members, it’s easy to distinguish between useful and useless feedback. We can quickly recognize who are the haters, and simply ignore any feedback that sounds unnecessarily harsh, critical or humiliating. In my own case, I never would have been able to publish my first book if I hadn’t made use of the very helpful comments from the writers, editors and agents who read early drafts of the work. Fortunately, all of these individuals were motivated by the desire to help me produce better work and therefore the feedback they gave was respectful. If you’re worried about putting your art out into the world, understanding the difference between genuine constructive criticism and hateful attacks can allay your fears. You never have to be concerned about the haters out there. Their hostility reveals them for what they are: not those who are ably discerning of quality work but rather, cruel, petty people looking for who they can insult next. As soon as you realize that these critics are hateful, simply close your ears to them, and choose instead, to pay attention to feedback that’s given with kindness.

Confessions of an Over-Saver: Why I Hate Spending Money Karen Mazzola, as told to Alden Wicker Posted on May 31, 2013 Everyone is talking about the crisis among twentysomethings. We don’t save enough. We’re behind on retirement. Our loans are untenable. We have high credit card debt. Not me. I’m a 27-year-old legal consultant in New York City. I don’t make six figures, but I make a comfortable income. And I like saving. A lot. Maybe a little too much. I max out my 401(k), have a robust savings account and no credit card debt, and I paid off $34,000 in student loans in less than a year. Even my parents think I’m an over-saver, and they save a lot. The author, Karen Mazzola at her mother’s wedding, where she wore a dress from Filene’s Basement and made her own bouquet. What Made Me This Way I was raised on Staten Island, New York in a middle class family. My dad was a teacher, and my mom worked for the government. We were generally financially secure, though somewhere below what would be termed “comfortable.” But for some reason, I got it into my head at a young age that we were poorer than we were. It probably had something to do with the fact that both my parents came from poor families. My dad’s parents were both factory workers who lived in Brooklyn in an apartment with no heat. When the factories would close down for a month in the summer, they went on temporary welfare. My mother grew up the oldest girl of seven kids in a two-bedroom house in Queens. She went to Queens College even though she was valedictorian of her class, because it was all her family could afford. I think she’s always regretted that she didn’t go somewhere fancier, so she’s made it her goal to give me and my brother as much as she could. For this reason, she tended to spoil us. I had several dozen Barbies, the Barbie dream house, the Barbie limo, the Barbie yacht (that thing had a working blender on it) and nice clothes. Of course, my mom bought everything on sale whenever she could, because that’s just how we roll in our family. And the rest of her money she saved and put in savings bonds … so she could give it to me and my brother later. (She gave my brother the down payment for his first condo and money for his next home with his wife, the result of saving a little bit of each paycheck since the day he was born.) I walk to work—it takes a half hour each way—rather than spend $2.50 each way on subway fare. That also saved me from getting a gym membership. I saw my parents fight about money a couple of times, and they were separated by the time I was eight. Though I later found out that their divorce was for very different reasons, I think that in my head I at least partly attributed their separation to money, which made me think that more money equaled less discord. How I Got Four Degrees and Owed Just $34,000 My mom had saved money for college, but she thought it made more sense to go to undergrad for free and then go to a good graduate school. I applied to nine schools, got into all nine and I got four merit-based full-ride scholarships. Out of those four, I chose my favorite, the University of Delaware. College was basically free. My full ride came with housing and meals. I usually had some money left over from my book stipend, and I would live on that. I rarely ate outside of my meal plan. I didn’t drink until I was 21. There wasn’t much to do in my college town, and campus events were free or very cheap. I didn’t have a car, so I went to the mall maybe twice. The only thing I paid for was study abroad in Australia (and I went back for free as a teaching assistant the next year) and some summer classes, since I was getting two degrees, in civil engineering and English. After I graduated, I went straight to law school at Cornell. I used all the money my mom had saved for college, and during the summers I worked at a law firm. The rest of my degree I financed with the maximum amount of federal subsidized student loans. My second and third years in law school, I was a residential adviser. I loved being an R.A., but saving $10,000 a year on housing was definitely the impetus. I cooked most of my own food. My budget for going out and eating and drinking was probably less than $50 a month. I still had no car. When I did one more year at NYU to get my master’s in tax law, I lived with my dad in his studio in the city, even though all my friends lived in a dorm by the school. By the time I graduated, I had four degrees and only $34,000 in student loans. The day I graduated from law school in 2011, my mom found out she had breast cancer. I moved back home to live with her on Long Island, and used that time to apply for jobs. I got a job offer in the late fall, right around the time my mom finished with her surgeries and my student loans kicked in. My dad moved to Florida, so I moved back into his apartment in the city. Transitioning to Adulthood—and Saving Even More As soon as I started my job, I maxed out my 401(k) by putting in 21% of every paycheck. I put at least $1,600 (half of my take-home pay) toward my student loans each month – more than four times the minimum payment. My mom put $600 toward paying them off as well. The rest of my paycheck went toward roughly $700 for maintenance on my dad’s apartment, $100 for cable, $50 for utilities, $100 for groceries (vegetarianism and home cooking for the win!), $100 to charity, and a little bit to occasionally go out. I also tried to put money in my savings account, but inevitably took it out to put toward my loans anyway. While it might not be everyone’s idea of fun, I was obsessed with budgeting. Every dollar I spent on things other than loans had a 6.55% surcharge in my mind, because that was the percent I was being charged on my loans. I was really into online calculators and I maintained a massive spreadsheet detailing the principal, daily interest I was paying, and how much I would save overall if I paid off my loans faster. I was spending $5 a day in interest in the beginning, so I balanced this by walking to work—it takes a half hour each way—rather than spend $2.50 each way on subway fare. That also saved me from getting a gym membership and being crushed in rush hour subway traffic. I didn’t go out to eat often, if at all. I never got takeout. When I went drinking with my friends, I only paid in cash because then you can’t get a crazy bill, and you won’t forget your credit card somewhere. When the introductory price ran out on my cable, I cancelled it and switched to a digital antenna and a streaming video subscription. I will not pay retail on clothing—the most I’ve spent on a single piece of clothing this year was $100 on a deeply-discounted coat. I feel like there are two types of shoppers: hunter/gatherers like me, and farmers. The latter like everything in rows, organized by color and size, and they pay full price for the convenience. But I like to hunt for the one perfect piece and I will not spend more than 50% of the original price. My goal is to get 80% to 90% off. To do this, I go to stores like Marshalls and Century 21 (and then head straight to the sale section) or browse eBay and the local thrift stores. I have not taken a single day off work since I started 15 months ago. I reasoned that if I quit or got fired (not likely, but you never know), I would get paid for those vacation days. Each one is worth around $300, so I would think to myself, “Do I want this day off or do I want the $300?” I’m not sure if my bosses have noticed I’ve never taken a vacation day, but they definitely know I’m a saver. At work we generally congregate in the conference room for lunch after everyone gets takeout from various restaurants, but I always bring my lunch. I can’t fathom spending $15 for the convenience of having someone else make a salad for me when I don’t even spend $15 on my whole week of lunches—and they’re healthy (and delicious) lunches with lots of fresh veggies. So yeah, I’m vocal about it. My friends make fun of me sometimes, but in a good-natured way. Many are also recent law school grads, and they have incredible student loans, so they understand. We’ll get dollar pizza and Trader Joe’s wine and play video games at my apartment or go to dive bars. Sometimes they’ll comment on the fact that I’m more frugal than they are even though I no longer have loans and don’t pay full rent, but not in a negative way. I think anyone who would seriously criticize you for not spending as much them is a jerk, and I probably wouldn’t want to be friends with them anyway. Oh, and I never use my credit card. I probably have a terrible credit score, but I won’t need to take out any new loans any time soon. I just really hate paying interest. Bye-Bye, Student Loans I paid off my loans in September, less than a year after they kicked in, saving myself over $11,000 in interest. I switched from playing with loan calculators to retirement calculators (I love online calculators), and maxed out my IRA. I check my net worth every day and examine my spending using an online budgeting tool, like the LearnVest Money Center. In the past, I’ve never had more than $2,000 or $3,000 in the bank because I immediately put it toward my loans. Now I have real money, and I don’t know what to do with it! I’ll probably invest in the stock market or redo the bathroom in my apartment. I do spend a little more than I used to, and I don’t feel as guilty. If I see a piece of clothing I like, I’ll give myself a pep talk. “It’s $30, you like it, and you can afford it.” I still only buy items when they’re on sale, though. I feel like my life is pretty full, though I’m terrible at dating. I like to pay for my own food and drinks on a date, and I’ll think, do I like this guy enough to swipe my Metro Card to get there, pay $20 for food, $10 for drinks, and Metro Card it home? The answer is often no. But for my friends? I’ll pay that much to see them. It’s all about knowing what’s worth it to you. I know what you’re thinking, and it’s true: I’m pretty responsible, but I couldn’t have gotten here without my parents’ help and guidance. I’m incredibly grateful, especially to my mom. You know what my ultimate financial goal is? I hope to someday be rich enough that my mom never has to worry about money again. It’s probably impossible given her nature, but it’s my hope nonetheless. Love reading other people’s financial tales? Check out more great LearnVest-exclusive personal stories.