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The nation's liquidity situation is getting worse. The recent accounting fraud at SK Global has triggered a near paralysis of the bond market, and banks are collecting their loans to firms with excessive investments and weak credit, aggravating the business sector's liquidity crunch.
The capital market got jittery once again, as a run on redemptions at money market funds surged later last week,[link widoczny dla zalogowanych], after a lull in the redemptions the previous week.
Bond market watchers said Tuesday that since the SK scandal,[link widoczny dla zalogowanych], the bond market in the nation has been frozen,[link widoczny dla zalogowanych], as companies with poor credit ratings have been unable to issue new bonds. Firms with excellent ratings are also canceling or mothballing plans to float bonds as the interest rate of bond issuance has been rising sharply.
LG Investment and Securities scrapped a plan to issue W200 billion in new bonds in the middle of March, while Shinhan Financial Group did the same for a plan to issue new bonds worth W200 billion in total.
As the liquidity situation turned worse,[link widoczny dla zalogowanych], credit rating agencies started cutting their ratings on several subsidiaries of chaebols, causing hardship for the firms in refinancing their existing bonds.
On expectations that the economy would not begin a recovery soon,[link widoczny dla zalogowanych], companies have begun to seek more bank loans, but banks have already tightened their credit line to firms in the telecommunications,[link widoczny dla zalogowanych], IT and textile industries,[link widoczny dla zalogowanych], in particular,[link widoczny dla zalogowanych], exacerbating the fund situation at the corporate sector.
Meanwhile,[link widoczny dla zalogowanych], redemptions on money market funds,[link widoczny dla zalogowanych], which had been staying below W1 trillion daily,[link widoczny dla zalogowanych], surged up starting Thursday last week,[link widoczny dla zalogowanych], and hit W1.2 trillion on Friday.
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"The best place for him, Karen,[link widoczny dla zalogowanych], is the feedlot - he's too far gone; he's so scrambled that he's not coming back". A trainer's comments seven years ago, after he watched while I tried in vain to stop my then 10 year old gelding, Lukas. "Downward transitions" were accomplished by veering towards a solid barrier and hanging on for dear life. He had become increasingly unmanageable and dangerous with each successive day. I had purchased him as a green project horse from a hunter barn, where he wasn't fitting in with the amateur program. Prior to that he had been in a back yard, neglected and malnourished. His racing career years before had been brief and unmemorable - 3 races with 3 back-of-the-pack finishes and 2 bowed tendons.
So,[link widoczny dla zalogowanych], the journey began - face tricks being the easiest and simplest, the smile was attempted first. Having been a psychiatric nurse for 25 years, I use a combination of behavior modification techniques, my own specialized version of clicker training and a wide variety of bits and pieces from everything to circus to cowboy, Spanish Riding School to Sea World. Kindness and liberty training are the foundation of my system - positive reinforcement along with brief,[link widoczny dla zalogowanych], enjoyable lessons provide the most beneficial results for both trainer and trainee. But to even begin, I first needed to get his attention: I used round pen liberty work to develop his focus and concentration. During this time, I also began to link rewards (praise,[link widoczny dla zalogowanych], petting, small carrot bits) with acceptable responses and as Lukas' abilities improved, I was able to create longer "chains" of behaviors.
To date, Lukas' talents include: smiling; nodding yes; shaking his head no, kissing (dry and wet - for the young at heart); posing; yawning; catching; fetching; the "blindfold"; crossing his front legs; acting lame; obeissance (curtsy); waving; going to a mark; pedestal work; Spanish walk (to the front and back); jambet; passage; bowing; laying down and letting me sit on him; putting his feet all together; playing hide and seek; staying and coming; rearing; pushing a barrel; spelling (5 letter words); counting (up to 5); identifying shapes (horse, butterfly, square, heart and star) and discriminating between 3 colors (he chooses his green one). In addition, he has grasped the concepts of spatial relationships, proportion,[link widoczny dla zalogowanych], same/different and absentness.
We wish to thank our gracious hosts,[link widoczny dla zalogowanych], The Waltons and Brookside Equestrian Center
His story has been picked up globally on NBC; CBS; ABC; CNN; HLN; Equisearch, EquineVIP, RFD-Radio,[link widoczny dla zalogowanych], and Pet Life Radio among many others. Also,[link widoczny dla zalogowanych], The Associated Press released a feature article on him. He has been included in many newspapers, magazine articles and forums, Yahoo and Google have listed him under "The World's Smartest Horse", and he is currently being studied by The Human-Equine Alliance for Learning (HEAL). Lukas has been appointed the official "Spokeshorse" for TROTT- a group that finds homes for ex-racehorses. In addition,[link widoczny dla zalogowanych], he is the poster-boy for the California Thoroughbred Breeders' Association - an organization dedicated to Thoroughbred awareness ownership.
What's next for Lukas?,[link widoczny dla zalogowanych], I'm often asked. We plan to continue to show others the happy results of kind training and how smart and wonderful horses are. Lukas' new book is available on Lulu as an e-book or a print version: "Playing With Lukas." Like the sign on his gate reads "Fairy Tales Do Come True."
I have always loved Dressage (a type of English riding) and felt that it was the most elegant of all the disciplines and had planned to show him in the lower levels. Using the Classical Training Scale had improved all of my past horses, but Lukas was the exception: Half-halt? Forget it! Bend? Bucking is better? A bit of collection? No way! Just hand walking him, we were beset with invisible monsters that even followed him into his own stall! One particularly disappointing day, after I had been unable to even give him away as a pasture pet and he was sulking in a far corner,[link widoczny dla zalogowanych], it occurred to me that we needed some type of "bridge" - a way to connect in between the problematic present and my cherished Dressage goals. I decided to fall back on my trick training experience as a way to try to bond and establish an understanding with Lukas. This playful interactive way of relating with animals had long been a way for me to enhance learning and make a horse more attractive for adoption. But,[link widoczny dla zalogowanych], could it also become a way to help Lukas reach his potential, I wondered?
I began to notice a definite shift in Lukas' attitude - I was being greeted now with a loud whinny when he heard my car door shut as I arrived at the stables. Our lessons had now become games that he initiated with a happy eagerness and ceaseless enthusiasm. The smile had been learned within days and I had been adding new tricks weekly to his ever-expanding repertoire. His spookiness had disappeared long ago as his trust, confidence and focus had improved. And his under-saddle work? Through our playing he had "learned to learn", and had become a joy to ride.
Around this time, I began to wonder just how much Lukas really could learn and happened to pick up the book, "Beautiful Jim Key" - a fascinating story about a horse who lived at the turn of the century. Jim is considered to be the most intelligent horse that has ever lived - his IQ was estimated to be equal to that of a 5th grader's! So, I began to incorporate different perceptual tasks into our play-times just to see what would happen. And, now, the rest is history, as they say.
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Most NFL teams will practice and look at film for 40-50 hours in a week for one 60-minute game. They spend fifty times more in practice hours than in game hours. What would happen if we adopted that same strategy? We would become world class at our listing presentation. If you practice 1 hour daily on your presentation, in less than 6 months you would be unbeatable. Your presentation would be second-to-none.
• What and how are you communicating?
• Are you controlling the presentation through questions,[link widoczny dla zalogowanych]?
• Are you over promising services?
• Are you strong enough on price?
• How do you handle objections,[link widoczny dla zalogowanych]?
Be Prepared Before the Presentation
Prepare by knowing the numbers in your MLS. Know the statistics for monthly sales in each price range. Know the statistics on homes that fail to sell. Know your numbers, production, and average market time. Use the statistics to your advantage.
Many speakers and trainers teach Agents to leave the price for last; to talk about yourself, the company, and the marketing plan first. The client’s first concern is price. That is what they are most interested in. When we withhold that from them, they can start to tune us out. My advice is get to the bottom line. I believe this for two reasons: One for the clients (as I mentioned before); the other is for your benefit. If you find out in the last 10 minutes that the clients are not going to reasonably price their home,[link widoczny dla zalogowanych], the presentation is over. You have really wasted the time you have spent with them to that point. For me,[link widoczny dla zalogowanych], when they were unwilling,[link widoczny dla zalogowanych], or unable,[link widoczny dla zalogowanych], to price their home to sell, my marketing plan did not matter. I could run ads weekly, do open houses weekly, and try every other marketing gimmick under the sun, and the home would not sell. The quality of my company did not matter. I would politely excuse myself and move on. Price it right,[link widoczny dla zalogowanych], or it is a waste of time,[link widoczny dla zalogowanych], was my philosophy.
Tape a presentation this week. Go home, pour a nice glass of wine, and sit back and enjoy the show. You will be shocked by what you say.
Develop a solid game plan. Get enough information before the appointment, so your quiver is fully loaded with all the arrows you need. Try to dig for the objections you will face from the client before the meeting.
By Dirk Zeller
See all Articles by Dirk ZellerSee Dirk Zeller's Expert PageGet Updates on Real EstateGet Updates on Dirk Zeller Average: 2.666665 Your rating: None Average: 2,[link widoczny dla zalogowanych].7 (3 votes) Tweet
Practice for the Big Game Daily
Preparation will enable you to answer all the objections and issues raised and close for them to sign the contract.
Abraham Lincoln said, “When I am getting ready to reason with a man,[link widoczny dla zalogowanych], I spend about one third of my time thinking about myself and what I am going to say and two thirds thinking about him and what he is going to say.”
If you really want to be world-class, tape your presentation. Athletes watch film of themselves to improve performance, so why not us? For the Agent who really wants to be the best of the best, this step is essential. Here are a few things you will find out:
There is an old adage that we make three listing appointments for every one we actually go on. We make a presentation on the way to the appointment as we run through it in our car. We make the actual presentation live – in front of the seller. And we usually make the final one on the way home from the appointment. Which one of the three is usually the best? Right – the one on the way home. At that point, we have the opportunity to reflect and say what we really should have said the moment we froze from their question or objection. How do we make the one that truly counts the best?
Let me share a couple of ideas with you to make your presentation in front of the client stronger,[link widoczny dla zalogowanych].
Focus on the Price
A solid, focused listing presentation will enable you to increase your income dramatically. You will be able to take more listings in less time. Do not fall into the never-ending trap of making your best presentation in the car on the way home. Make it when it really counts . . . in front of the client.
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How does all this affect intelligence? In the most recent studies, it would appear that genes only account for about 50 percent of it. In trials of children and young adults from middle-class or affluent families, looking at both identical and non-identical twins raised together and apart,[link widoczny dla zalogowanych], they found the other 50 percent was determined by environmental factors. Twins raised in poverty scored lower on intelligence tests, although the middle-class subjects did not score worse than the affluent ones. In other words, for the case of general intelligence, both genes and environment contribute, but when taken to the extreme, the environment will win out.
Gage’s initial survival would have ensured him a measure of celebrity, but his name was etched into history by observations made by John Martyn Harlow, the doctor who treated him for a few months afterward. Gage’s friends found him“no longer Gage,” Harlow wrote. The balance between his “intellectual faculties and animal propensities” seemed gone. He could not stick to plans, uttered “the grossest profanity” and showed “little deference for his fellows.” The railroad-construction company that employed him, which had thought him a model foreman, refused to take him back. His personality had changed completely.
The area of the brain the tamping iron affected – the Right Orbitofrontal Cortex.
We also now know that the environment can actually influence gene function in brain cells. Every cell in your body has, encoded in its DNA, the information to make every cell encoded in the human genome. The “housekeeping” genes are always on, while other genes are activated in only certain cell types. For example, the cells that line your stomach are not producing the proteins needed to grow hair. Other genes may also be switched on or off at certain points of development in response to particular signals. It’s all about which neurons are “firing.”
“Use it or lose it.” Even though the brain grows after birth,[link widoczny dla zalogowanych], the number of neurons don’t necessarily increase. Many die off because they’re not needed. In fact, both before and after birth, about twice as many neurons are created as ultimately end up surviving in the mature brain. Essentially, the developing brain is a battleground – the cells that are the most electrically active survive. Synapses that are not used wither away (like the synapses carrying auditory information to deaf people). A synapse can be eliminated even if it is being used to some degree if its neighbor is much more active. Strong activation of a synapse makes those in close proximity weaker and can ultimately eliminate them altogether. Malcolm Gladwell points out in What the Dog Saw, that to truly be an expert in a field you must invest at least 10,000 hours studying it. Now, that makes a strong connection!
This “kludge” is made up of billions and billions of tiny cells – either neurons (electrical signaling) or glial cells (housekeeping functions that create an optimal environment for neurons). Sprouting from the cell body are dendrites, the branches of the neuron that receive signals from other neurons. While your brain has several branching dendrites, it also has a long, thin protrusion called the axon. This is where you get information. Axons can also branch and can be remarkably long – some can run all the way from the base of the spine to the toes.
So, what does your brain look like when you’re born? What inherent traits do you have? Not many. Keep in mind the most important thing about brain development (and size) during birth is pretty simple – the baby’s head has to get through the birth canal so it can’t be too big. So, put away the Baby Einstein CDs,[link widoczny dla zalogowanych], you’re wasting your time.
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I mentioned earlier that the brain stops getting larger about the age of 20. However, your behavioral wiring is ingrained well before that. In Travis Bradberry’s book,[link widoczny dla zalogowanych], The Personality Code, points out that personality is predominantly housed in the Right Orbitofrontal Cortex (ROC). “We tend not to see changes in personality in adulthood because the ROC has lost its malleability by that point. Personality forms like modeling clay. When we’re born, it lacks form, and takes shape as we enter adulthood (sometimes as early as the age of 12). Reaching adulthood is the equivalent of throwing your project in the kiln – that’s the shape it’s going to stay. The ROC gradually takes more and more of our thinking as it becomes hardwired. Some inclinations are reinforced and stabilized during its development, while others become increasingly difficult to access.”
At birth, the brain is about 400 cubic centimeters (chimpanzee size), and will continue to grow rapidly until about the age of 5. At this point the growth slows down until completing its enlargement until about age 20, where it will have grown by more than 300 percent. A lot of changes happen along the way.
In 1848, Gage, 25,[link widoczny dla zalogowanych], was the foreman of a crew cutting a railroad bed in Cavendish, Vermont. On September 13, as he was using a tamping iron to pack explosive powder into a hole, the powder detonated. The tamping iron—43 inches long, 1.25 inches in diameter and weighing 13.25 pounds—shot skyward, penetrated Gage’s left cheek, ripped into his brain and exited through his skull, landing several dozen feet away. Astonishingly, he survived.
David Linden, who wrote The Accidental Mind, calls it a kludge (pronounced klooj). Much like the organizations that are made of diverse segments of talent and personality,[link widoczny dla zalogowanych], a kludge is a “design that is inefficient, inelegant, and unfathomable, but nevertheless works.” Or in the words of military historian Jackson Granholm, it’s an “ill-assorted collection of poorly matching parts, forming a distressing whole.” That’s your brain.
So, shouldn’t we just “over expose” our children to learning experiences? No. The brain can only handle a finite amount of information. The evidence to date is that a child’s early development is like your need for vitamins: you need a minimum dose, but beyond that, taking extra won’t help. So, you can stop playing Mozart now.
By Dave Eisley
See all Articles by Dave EisleySee Dave Eisley's Expert PageGet Updates on Team BuildingGet Updates on Dave Eisley Average: 5 Your rating: None Average: 5 (1 vote) Tweet
So, what does all this mean? When you’re born, you’re pretty close to a blank slate, and then a LOT of learning takes place. The circuits are literally being built constantly. Keep in mind, all learning is a process by which new experiences are integrated with old experiences. Therefore early experiences are important,[link widoczny dla zalogowanych], NOT because it makes a more effective circuit, but that it creates a base for subsequent learning.
Take the curious story of Phineas Gage,[link widoczny dla zalogowanych].
When we think of the brain,[link widoczny dla zalogowanych], many of us imagine this elegant,[link widoczny dla zalogowanych], fine tuned machine with electrical currents firing rapidly as our senses take in and process thousands of pieces of information. Not so much.
The connections are made at synapses, which passes information from the axon of one neuron to the dendrite of the next. Synapses are critical – on average, each neuron receives 5,000 synapses – and since there are 100 billion neurons per brain, you have 500 trillion connections that tell you what, when, and how to do everything.
In contrast, behavioral traits do not appear to be influenced much by genes. Food preferences are largely determined by early experience. Sense of humor is another. Identical twins raised apart tend to not find the same things funny,[link widoczny dla zalogowanych], whereas they do share a sense of humor with their adoptive siblings.
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Cotton T-shirts are the specialty of this store in a major Buenos Aires garment district. For the shop's Korean owner,[link widoczny dla zalogowanych], it's the fruit of more than 20 years of work and represents the story of many Korean immigrants who came here to Argentina with dreams of a better life.
"A lot has changed since the first 13 Korean families settled here in 1965. From the shanty towns of Buenos Aires, these immigrants put in long hours at work to build their lives in this foreign land."
"Those who came then worked 18 hours,[link widoczny dla zalogowanych], in my case,[link widoczny dla zalogowanych], I was sewing 18 - 20 hours a day. We would work through the night on material from the Jewish merchants and I think exerting ourselves that way made it possible for us to achieve this level of success."
A majority of Korean immigrants in Argentina, like their counterparts in other Latin American countries, are in the garment industry.
For them,[link widoczny dla zalogowanych], getting this far took more than just hard work. Koreans in Argentina,[link widoczny dla zalogowanych], now numbering around 20,[link widoczny dla zalogowanych],000, faced enormous challenges including what they said were discriminatory crackdowns on their businesses in the early 90s,[link widoczny dla zalogowanych], aggravated by a prolonged recession.
Things are much more stable now says Kim Pan-suk,[link widoczny dla zalogowanych], who came to Buenos Aires with his parents when he has 12. He runs a small real estate agency in the garment district,[link widoczny dla zalogowanych], but has great hopes for his son,[link widoczny dla zalogowanych], a law student.
Kim told us Korea's improved image has made life easier for the Korean community in Argentina. "It must be the same for overseas Koreans everywhere but for us in Argentina,[link widoczny dla zalogowanych], the 88 Seoul Olympics and the 2002 World Cup games helped to promote Korea and made us feel really grateful and proud to be Koreans."
The pride immigrant Koreans feel for their heritage is reciprocal as Korea is hoping its communities abroad will play a key role in recent drives to forge closer trade ties with South American countries,[link widoczny dla zalogowanych].
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season the lynx has only made 7 wins 59 of the negative record, NBA record the history of the worst winning percentage (10.6%) record,[link widoczny dla zalogowanych], coach Paul - Silas also did not get the contract. In addition, the Bobcats also interviewed magic assistant coach Patrick - Ewing,[link widoczny dla zalogowanych], the Bobcats assistant coach Stephen heelas, former Blazers coach Macmillan,[link widoczny dla zalogowanych], the warriors assistant coach Michael Malone,[link widoczny dla zalogowanych], Knight assistant coach Nate Tibert and the Grizzlies assistant coach Dave - joerg. (Sohu sports Wella)
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Dunlap has the experience of some NBA, he served two years as assistant coach in the Nuggets coach George - Carle. Because coach Steve Lavin accepted operation,[link widoczny dla zalogowanych], Dunlap as coach of St. John's University,[link widoczny dla zalogowanych], most of the time in the season.
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Novelist Jeong Chan-ju said Tuesday he visited the Mogaoku complex last summer and this spring and confirmed the existence of the Korean mural painting that dates back to the three-kingdom era at cave number 237. This cave is clearer and better conserved than caves number 220 and 335,[link widoczny dla zalogowanych], which were also found to contain images of ancient Koreans in 1991.
Meanwhile,[link widoczny dla zalogowanych], professor Kwon Young-pil of the Korea National University of Arts said the picture of the image at the cave number 237 was definitely from one of the three Kingdoms in ancient Korea because of the official bird-feather hat,[link widoczny dla zalogowanych], and that the mural also proved the three Kingdoms were active in their relations with China.
The photograph of the painting is to be published (by Gimm Young sa) in a book Jeong wrote about the Mogaoku Caves,[link widoczny dla zalogowanych].
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The Korea Daily News and Korean Social Science Data Center poll of 1001 adults nationwide also showed Lee was leading with 36.7%, followed by Chung with 23.4% and Roh with 22.6%.
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According to an account of
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the waste machine in bamboo a wife to work in the factory, resembling the farmhouse kitchen, the lower half part like the bottom of the pot, the upper part such as the lid. Hiding cash, bamboo with 3 large screw, is difficult to be found.
at the end of 2007 5, Shou to bamboo section chief introduced only insider stock,[link widoczny dla zalogowanych], that is profitable. Some suggestions on bamboo to buy the stock, the stock market crash results. To this end, he lost 30000 yuan.
in order to get the EIA approval and attention, a Design Institute of life found a bamboo section chief for help. Every year from 2005 to 2008, the Spring Festival,[link widoczny dla zalogowanych], he will give bamboo chief sent "special purchases for the Spring Festival", a total of 61000 yuan and 4000 yuan worth of a computer.
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bamboo,[link widoczny dla zalogowanych], the prosecutor in a factory waste machine, all the search to the cash.
bamboo a received 61000 yuan in cash, he didn't spend a penny.
in May this year, bamboo was investigated procuratorial organs according to the law, he argues: one is his own assessment professionals, EIA, EIA items sent to ask, the property belongs to the "expert consulting fees", point "should"; two is the EIA company staff to recommend the stock, which suffered loss,[link widoczny dla zalogowanych], sent property belongs to the "compensation", is not unfair.
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Chinese Antarctic Survey Telescope will do photometric surveys of large area near the south pole, go round and begin again to scan the selected area, implementation of extrasolar planets, supernovae astronomical observation mission.