Thursday, November 8, 2012

November is National Adoption month | KY Kids in Focus

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By Amy Swann

All children deserves to grow up in a safe, loving and permanent home. ?Every child who has been placed in foster care should be promised a family who can provide that for them. Sadly, every year there are more than 100,000 children in public foster care waiting to be adopted because they do not have the option of returning to their parents or other relatives. In Kentucky, more than 1,900 children are hoping to be adopted by someone they can call Mom or Dad for the rest of their life.

November is National Adoption Month ? a time to raise awareness about children in foster care waiting to be adopted by a forever family. Do you know someone who is considering expanding their family? Encourage them to check out this site where they can view Kentucky children waiting to be adopted by a loving family. The Cabinet for Health and Family Services also has a travelling photo exhibit featuring 23 children in their Special Needs Adoption Program. The sixth annual Shining Star Gallery was recently unveiled at the Muhammad Ali Center in Louisville, and will be on display for the rest of the month at the Louisville Metro Hall of Justice at 600 W. Jefferson Street. The exhibit will tour to various sites across the state ? stay tuned to www.wednesdayschild.com for the schedule.

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Source: http://www.kykidsinfocus.org/2012/11/november-is-national-adoption-month/

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App Rating8.21 / 38
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Current Version Info

Current Version Info about best apps?/? Games?/? Hacienda HD Family Board Game by Wolfgang Kramer
Now you can resume game.
UI precision improved - putting token on correct position is easier.

Description

Wouldnt you like to be a cowboy?
--------------------------------- -
Hacienda has all the makings of an excellent iOS game.
review by BoardGameGeek
? 2006 Golden Geek Best Gamers Board Game Nominee
? 2006 International Gamers Awards - General Strategy; Multi-player Nominee
finally on iPad!
Wouldnt you like to be a cowboy? Especially a rich and famous one? In Hacienda you can become an estanciero - an Argentinian animal breeder and landowner. You will compete against other players in order to become the most respected farmer and landowner in the region. You can succeed by breeding animals, bringing their livestock to markets, and claiming and controlling new land.
Hacienda will entertain both beginners and experienced players. It is a strategic family board game, first created by one of the most famous game designers - Wolfgang Kramer and now brought to iPad by us.
You can play Hacienda by yourself (while playing against the computer) or with your friends (sharing one iPad).
An excellent tutorial will easily introduce all rules and teach you how to play.
The game also has a version designed for convenience of the left-handed players.
The offered features:
? a tutorial which teaches game rules and basic strategies
? a user interface that truly resembles a physical board game and at the same time exploits the advantages of iPad
? a dedicated UI version for the left-handed players
? an original game art
? two different maps (for novices and experts)
? three difficulty levels of the computer player
? a local multi-player mode (pass-and-play)

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New KTB president aims to make it most profitable - The Nation

Home ? business ? New KTB president aims to make it most profitable

KTB

Sucheera Pinijparakarn

The Nation November 9, 2012 1:00 am

"KTB has an advantage in assets, larger network and larger customer base, but our earnings are lower than the three major banks," he said.

The bank should pay more attention to capital adequacy, assets quality, management, earnings and liquidity (CAMEL), said Vorapak, who has worked for several international banks.

The second-largest commercial bank in assets has strengths in capital, management and liquidity, but asset quality and earnings need improvement.

The keys to greater profitability are improving the non-performing-loan ratio, boosting non-interest income and bringing the loan loss provision down to a normal level.

KTB has room to grow in the markets for small and medium-sized enterprises and retail, not only for lending but also

for generating fee-based income, as those markets tend to use more non-interest products and services.

"The bank will give importance to fee-based income in lending and consumer finance, particularly from wealthy customers because when we help manage the finances of customers, we should get fees from them as well," he said.

Cross-selling products to borrowers is one of his spotlights.

KTB earns annual fee income of Bt20 billion, which lags behind major banks, while loan loss provisioning is running at Bt10 billion per year compared with Bt7 billion to Bt8 billion of major banks.

To improve the earnings of KTB, debt management is important. Vorapak said he would monitor both general-provisioned and special-mention debt to ensure the debt burden will not hurt earnings.

KTB's net profit should match those of major banks, which fall in the range of Bt25 billion to Bt35 billion.

Last year Siam Commercial Bank earned Bt36.27 billion, followed by Bangkok Bank with Bt27 billion and Kasikornbank with Bt24.22 billion. KTB trailed with Bt17 billion.

The bank's role in the region ahead of the Asean Economic Community will be to provide loans and services to supply-chain customers with business activities in Asean.

Although KTB's branches over there might not expand as much as at other banks, its network in the provinces can support cross-border trade and transactions, Vorapak said.

The Finance Ministry holds 55 per cent of KTB through the Financial Institutions Development Fund.

Vorapak realises that the bank is used to implementing government policies and is willing to support state agencies but said the assistance must be based on the ability of the bank.

"Lending is a science, which can describe the process. ? I think politicians now understand better that loans come with risk," he said.

The state is the same as a company, he said. Financial institutions will not extend credit if the company has no cash flow.

Vorapak said he would rebrand the bank as the government bank of choice, not the bank for the government.

Even though KTB is one of the first choices for the government, it should not take the government for granted, he said. KTB will have to upgrade itself continually to ensure that state agencies select it because of the good services, not because it is a state-run bank.

Latest stories in this category


Source: http://www.nationmultimedia.com/business/New-KTB-president-aims-to-make-it-most-profitable-30193969.html

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Wednesday, November 7, 2012

5 Persistent Myths About Bipolar Disorder | World of Psychology

5 Persistent Myths About Bipolar Disorder Bipolar disorder is a serious and difficult illness that affects all facets of a person?s life: their education, work, relationships, health and finances, said Julie A. Fast, author of several bestselling books on bipolar disorder, including Loving Someone with Bipolar Disorder and Take Charge of Bipolar Disorder, and a coach who works with partners and families.

Fast was diagnosed with rapid-cycling bipolar disorder II at 31 years old in 1995, a time when very little was discussed regarding the diagnosis. Fortunately, knowledge and media coverage of bipolar disorder have improved dramatically over the years. ?I?m astonished at how much more people know about the illness,? she said.

Even TV shows are featuring more accurate portrayals of bipolar disorder. ?In the past, people with bipolar disorder were practically frothing at the mouth,? Fast said. Today, writers and producers make it a point to get it right. Recently, Fast served as one of the advisors on the hit Showtime series ?Homeland? and talked with Claire Danes about her character?s bipolar disorder.

While information has gotten much better, many misconceptions still exist and endure.

Below, you?ll find five persistent myths about bipolar disorder

1. Myth: Bipolar disorder and depression are completely different diagnoses.

Fact: Bipolar disorder and depression ? also known as unipolar depression ? are not completely different illnesses, according to Francis Mondimore, MD, associate clinical director of the Department of Psychiatry at Johns Hopkins. In fact, he believes this is one of the most misunderstood ideas about bipolar disorder. (He blames psychiatrists for the misconception.)

Patients who believe this myth may oppose the diagnosis ?if they don?t have the full-blown ?manic-depressive? picture and also resist taking ?bipolar? medications like lithium,? said Dr. Mondimore, also author of Bipolar Disorder: A Guide for Patients and Families.

It?s more accurate to think of bipolar disorder and depression as ?probably represent[ing] two ends of a spectrum of illnesses,? he said. ?The designation ?bipolar II? has helped crack this a bit, but this is why the term ?bipolar spectrum disorder? continues to gain ground,? he said.

2. Myth: People with bipolar disorder experience dramatic mood swings followed by complete remission of symptoms.

Fact: Some people with bipolar disorder experience this pattern, Mondimore said. (Lithium is typically very effective for these individuals, he said.) However, ?Many patients have periods of residual symptoms and less severe but still significant mood fluctuations between episodes of more severe symptoms,? he said. This is especially common if people don?t engage in healthy habits to manage the illness.

3. Myth: Medication is the only treatment for bipolar disorder.

Fact: Medication is an important part of managing bipolar disorder. But it?s not the only answer. Viewing medication as your only treatment option ?can lead to fruitless reaches for the ?right? medication,? Mondimore said. And it can lead you to avoid making valuable lifestyle changes and seeking therapy, he said.

As Fast writes on her website, ?Medications take care of half of the illness, the other half is management.?

Both Fast and Mondimore stressed the importance of leading a healthy lifestyle, including avoiding alcohol and drugs, cultivating good sleep habits, exercising and effectively coping with stress.

Fast includes medication and alternative therapies as part of her treatment plan. Still, she cautioned against thinking ?that we can exercise, diet, meditate, walk and rethink our way out of this illness.? (In fact, this is another big myth that persists, Fast said.)

Think of bipolar disorder like any other long-term illness, such as diabetes and high blood pressure, Mondimore said: It requires commitment and comprehensive management.

4. Myth: After having a severe episode, people with bipolar disorder should be able to bounce back.

Fact: If a person with bipolar disorder experiences a severe episode ? one that requires hospitalization, for instance ? there?s an expectation that afterward they?ll be able to get back to their work and life, Fast said. However, she equated this scenario to people who?ve been in a car crash. You wouldn?t expect someone with broken bones simply to get up and start sprinting.

5. Myth: People with bipolar disorder aren?t trying hard enough.

Fact: People wonder why someone with bipolar disorder just doesn?t try harder. They think that if they exert more effort, they?d have the life they want. They wonder why everyone else who experiences mood swings can cope with them but someone with bipolar disorder can?t. Sometimes Fast has even wondered the same thing about herself.

But this implies that bipolar disorder is a choice, she said. ?Would you ever say that to someone with diabetes or pneumonia?? she said.

People just don?t realize how serious bipolar disorder is, Fast said. Thankfully, though serious, it?s highly treatable. Managing the illness is hard work, and finding the right medication takes time. But as Fast said, ?Keep trying. Never give up.?

Margarita TartakovskyMargarita Tartakovsky, M.S. is an Associate Editor at Psych Central and blogs regularly about eating and self-image issues on her own blog, Weightless.

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Catch up on other posts by Margarita Tartakovsky, M.S. (or subscribe to their feed).


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????Last reviewed: By John M. Grohol, Psy.D. on 6 Nov 2012
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APA Reference
Tartakovsky, M. (2012). 5 Persistent Myths About Bipolar Disorder. Psych Central. Retrieved on November 8, 2012, from http://psychcentral.com/blog/archives/2012/11/07/5-persistent-myths-about-bipolar-disorder/

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Source: http://psychcentral.com/blog/archives/2012/11/07/5-persistent-myths-about-bipolar-disorder/

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Reuters: US recruiting Libyan anti-militant force

Abdullah Douma / AFP - Getty Images

Libyan police officers stand on high alert Tuesday after a car, belonging to a police officer, exploded near the police station in Libya's eastern city of Benghazi.

By Reuters

TRIPOLI, Libya -- U.S. officials in Libya have begun to look for recruits for a commando force which they plan to train to fight militants, a former commander of Libyan rebels who toppled Moammar Gadhafi said Tuesday.

After a wave of anti-American violence in the Arab world in September during which the U.S. ambassador to Libya died in an Islamist militant attack, President Barack Obama took measures to improve the security of U.S. diplomatic installations in the region.

A team of about 10 Americans from the embassy in Tripoli visited a paramilitary base in the eastern city of Benghazi 10 days ago to interview and get to know potential recruits, according to militia commander Fathi al-Obeidi.

"The American team asked us for a tour of our base and we granted them permission to walk around freely," he told Reuters.

"They stood with many of our men taking down information. They asked them about their ages, backgrounds, their tribal loyalties. They wanted to know what kind of training they had received, if any," he added.

Terrorist groups in Libya tried to coalesce in month leading to consulate attack, officials say

The president pledges he will get to the bottom of the events that led to the death of a U.S. ambassador in Libya and calls Romney's criticisms of his actions following the attack "offensive."

The Pentagon declined comment on any recent visit by a U.S. delegation to Benghazi, referring queries to the State Department.

At the same time, it acknowledged a need to develop Libyan special operations forces.

"But a final decision on the program has not been made, and many details, like the ultimate size, composition and mission of the force are still to be determined," said Pentagon spokesman Lieutenant Colonel James Gregory.

'Everything can change'
Obeidi is a commander with Libya's Shield, an umbrella group for various armed militias that refused to join the official army after the war that ousted Gadhafi last year, saying it was still being run by Gadhafi loyalists.

Goran Tomasevic / REUTERS

An uprising in Libya ousts dictator Moammar Gadhafi.

He also helped a team of U.S. Marines in September lead a rescue effort that saved a group of Americans hiding in a safe house after an attack on the U.S. Consulate in Benghazi in which U.S. Ambassador Christopher Stevens died.

Obeidi said the interviewers also took note of the types of uniforms the men were wearing and asked about their opinion on security in Libya.

Car bomb rocks Benghazi police station

He said that the team of American officials included the U.S. charge d'affaires Laurence Pope and the future head trainer of the Libyan special forces team.

"I've been asked to help pick about 400 of these young men between the ages of 19 and 25 to train for this force," he said. "They could be trained either in Libya or abroad."

Rebel fighters, civilian protesters storm Libya's parliament

The force may be required to fight jihadi militants like those accused in the September 11 assault on the consulate.

Gregory said only that U.S. officials in Libya would work with Libyans "to assess their needs and develop options for ways the U.S. can support them through this transitional period."

"Obviously, this is still a fluid environment and everything can change," he said.

Secretary of Defense Leon Panetta says that the military responded quickly to events on the ground in Benghazi, but that the attack was over before the Pentagon really knew what was happening.

Obama moved after the September violence to beef up protection of U.S. diplomatic installations in the Arab world, sending in Marine contingents to several embassies and temporarily reducing the number of U.S. personnel at some posts.

The consulate assault became a highly politicized issue in the U.S. presidential election campaign, with Republican challenger Mitt Romney accusing Obama of taking weeks to acknowledge that the incident was a "terrorist" attack, rather than violence prompted by anger over an anti-Islam film.

It occurred during a wave of Muslim protest across the Arab world over the film produced in California, which also sparked violence against U.S. diplomatic missions in Tunisia and Egypt.

However, official emails obtained by Reuters showed that the White House and State Department were advised two hours after the consulate attack that an Islamist militant group had claimed responsibility.

Obama and other U.S. officials have acknowledged that the attack was a "terrorist" act by militants with suspected links to al-Qaida affiliates or sympathizers.

He also vowed to bring to justice those responsible for the Benghazi attack.

But Washington may struggle to decide whom to target. The increasingly diffuse nature of al-Qaida, its allies and sympathizers complicates the job of identifying precisely which individuals and groups were behind the attacks.

More world stories from NBC News:

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Copyright 2012 Thomson Reuters. Click for restrictions.

Source: http://worldnews.nbcnews.com/_news/2012/11/07/14990604-us-recruiting-libyan-anti-militant-force-rebel-commander-tells-reuters?lite

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Industrial Property finance loan Refinance Financial loan Selections ...

Its painfully nicely recognised the very last three ages are tricky during the business lending business enterprise. Borrower?s business mortgage alternatives happen to be modest and many are tough to near. We go over the assorted industrial mortgage loan refinance selections, that happen to be offered now which will probably be readily available in 2012 down below. You could possibly not like whatever you study, but here is the actuality from the current market.

Refinance Choices on Business Financial commitment Attributes

When you possess a industrial expenditure residence (I am referring to NON multifamily homes, instant payday loans this sort of as business office, retail, industrial, and many others) you definitely understand how really hard it truly is been to search out financial institutions and creditors which are thinking about looking at your bank loan ask for. In all probability 80% in the banking companies in existence don?t have any desire in funding expenditure residence financial loans, regardless how monetarily potent of the borrower that you are (The primary reason is how industrial genuine estate sits on banking companies equilibrium sheets, but that is another matter).

The great news is that 2011 has viewed a boost from the amount of financial institutions and loan companies which are prepared to lend to industrial buyers and for people that qualify the prices are fantastic. Here is the common phrases: Max 65% financial loan to worth which is with conservative capitalization costs of 8% or even more (In spite of sector problems). Max twenty calendar year amortization schedules. You could possibly uncover a lender that will be keen to disperse this out to twenty five several years but this really is uncommon.

Preset intervals are typically capped at five ages, nevertheless seven and ten ages can be obtained, although the bump in fascination charges is pricey. Minimal same day loans credit card debt protection ratio?s will now be one.four which is with conservative underwriting line goods these types of as bare minimum vacancy of 7-10%, administration at 4% and reserves at 2%. Bottomline is the assets should income movement very well. Sadly debtors as well as their investment decision qualities that do not in shape the above mentioned, will battle to discover personal loan possibilities.

Operator Person Business Qualities

In the event your organization occupies much more than 50% of your respective creating, than your personal loan possibilities open up up appreciable as well as the stage of competitors involving financial institutions is buying up. The simplest way to build perception from the many mortgage packages is usually to divide them in between regular financial loans and federal government backed financial loans this sort of since the SBA.

Standard lending which was really modest around twelve ? nine months in the past is ultimately buying up. For those who suit this box, count on excellent charges and closings in as minimal as thirty times. Conditions are as follows: 65% (Perhaps 70%) max bank loan to price. fifteen, twenty or twenty five yr amortization schedules. Preset premiums from one, three, five, and ten quick loans a long time. Charges are at present during the 4%?s to reduced 5%?s on five yr set packages. Minimal personal debt protection ratios of one.twenty five with secure gross product sales.

Should your bank loan to benefit is better than 65% and or for those who have a particular use assets these kinds of to be a funeral property or cafe, etcetera you may wish to search more durable on the SBA systems. And irrespective of the bureaucracy in the SBA mortgage practice, it?s got basically been the everyday living saver of one,000?s of modest organizations across the nation.

Count on 90% financial loan to worth, all over again 90% personal loan to worth funding with both the SBA 504 or SBA 7a courses? No other bank loan plans supply this large of leverage. Debtors that acquired their residence a number of decades back and also have knowledgeable a decrease in worth will discover this is their very best prospective remedy. Premiums about the 504 personal loan are extremely reduced and also you can hope three, five, ten and in some cases twenty five 12 months preset costs. For debtors that have to have to consolidate other financial debt or protected functioning cash the SBA 7a financial loan is an additional sound possibility. Both equally of those financial loans will keep on being a favorite and practical solution all through 2012.

2012 will possible see a reasonable rise in the sheer number of banking institutions and mortgage applications that grow to be readily available for industrial home finance loan refinances. Bank loan to values will probable not raise since the cash ratios for financial institutions will not be planning to loosen for every the Fed?s procedures. The European personal debt disaster can even have got a important effect on banking institutions while in the 2012.

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Market to Your Sweet Spot for Small Business Success | Constant ...

Why are you in business?

Seems like the answer is obvious?right? You?re in business to make money, or at least that should be one of your top priorities.

But successful businesses realize there needs to be something more driving their success. There needs to be a purpose for their business.

Think about the business brands you love. Don?t you have a visceral understanding of their purpose? Consider the nearly cult-like following Apple enjoys. People identify with the brand because it stands for something. It speaks to them.

What about Zappos? Zappos isn?t in the shoe business; it?s in the business of delivering happiness in a box. That?s the company?s purpose.

So, what?s your purpose?

Finding your purpose ? why it?s important!

Making money shouldn?t be the sole purpose of your business. There has to be a sense that the service or product your business provides brings value to the market, and that because of that value, the company makes money. A business focused only on bringing in cash won?t ever rise to the level of being a great enterprise.

Customers don?t come to you because they want to make you rich. They come to you because they believe in the value you provide for them, whether that value is detailing their car, grooming their dog, creating their estate plan, or selling them a lawn mower. So it?s up to you to determine what that value?your purpose?is.

Two questions that will help you find your sweet spot

To define the purpose of your business, you and everyone on your team should be able to answer these simple questions without hesitation:

?Why are we doing what we do??

?What purpose does it serve??

You should be able to tell your company?s story?a story that motivates customers or clients to do business with you. The same is true for your employees. What motivates them to come to work each day? Loyal employees are motivated by more than just taking home a paycheck. Your team needs to understand the role each plays because they all need to feel part of the company?s purpose?its heart and soul.

When your business has a purpose, so do the people that work there

When business founders and their teams understand their purpose, they project an energy that?s exciting to everyone. I?m sure you?ve walked into businesses that feels, well, blah?flat, with no life. Such businesses go from project to project with no purpose other than making sure they make money on the deal.

Then there are businesses that have an upbeat, energetic, focused atmosphere?and it?s contagious. It makes you, the customer or client, feel excited about doing business with this group.

There?s a practical reason for this, too. For example, knowing the purpose of my business is extremely important for me personally. The business purpose drives me and gives me the courage and confidence to ?sell? my company.

I?ve never liked or wanted to be in sales. In fact, I tried a couple of sales positions during my professional career, and, well, let?s just say I didn?t set the world on fire. Yet everyone tells me I?m a master sales person when it comes to selling my own business.

The reason has to be that I don?t feel as though I?m selling, that I truly believe in what I am doing and why I am doing it. Naturally my goal is to close a deal and make money, but a greater purpose motivates me. That purpose is the excitement of doing something I feel is rewarding for the customer as well as for my business.

So what?s your business? purpose? Where?s your sweet spot? How do you reach your target message with your market promise? Tell us in the comments below!

Source: http://blogs.constantcontact.com/fresh-insights/purpose-of-your-business/

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