Dr. John Welty, the president of Fresno State will address the congregation of the Bethesda Apostolic Church in Fresno about the importance of education. Students of local colleges and high schools have been invited to gain valuable information http://www.netvibes.com/verdede/. FOR IMMEDIATE RELEASE PRLog (Press Release) – Feb 17, 2012 – On Sunday, February 19, 2012, Dr. John Welty, president of Cal State University, Fresno will address the BethesdaExperience concerning the power of education. The event is being called “College Day” by the church, but is formally called “Super Sunday” by CSU promoters. Educational vendors, counselors, and other educational resources will be on site to help high school students and other attendees gain meaningful information. This is the second year that the BethesdaExperience has been selected as the endorsed site for Super Sunday, a program fueled by the CSU school system. This program selects church sites to create attention to the great need for higher education. In a down economy, taking advantage of educational opportunities is both wise and important.Lead by Pastor Tobaise Brookins, the BethesdaExperience is becoming a popular church in Fresno because of its continual work in meeting the spiritual and natural needs of people. The BethesdaExperience regular service schedule is: Sundays 8am, 11am, & 6pm. College day will take place at the BethesdaExperience 3723 E. Dakota Ave, Fresno, CA. The event begins at 11am and will be followed by reception for all students….

Source: Dr. John Welty of Fresno State to Address the Bethesda Church about the Importance of Education

The “Process Improvement – The Global Trends” IT conference organized by Unicom Learning will take place in Bangalore, India on 12 Apr 2012. FOR IMMEDIATE RELEASE PRLog (Press Release) – Feb 17, 2012 – Backed with successful forums and conference in United Kingdom, Unicom is proud to present one-day forum in Bangalore on Process Improvement – The Global TrendsThe Process Improvement Forum features a high quality speaker programme, discussion sessions and networking platform http://socialworkdegreesonline.net/community-organizer.html. The forum is designed to be an important source of guidance and advice for organizations implementing or considering implementing software and systems process and service improvement. Benefits of attending Process Improvement Forum:In software and systems engineering as in business and manufacturing, mature and well-managed processes provide consistent quality and productivity.The Process Improvement Forum is an independent event providing guidance and advice to organizations implementing or considering process improvement strategies, it also provides a balanced guide to methodologies and practices such as such as CMMI; TMMI; Agile; ITIL; Lean; Six Sigma; BS20000; BS15000.By attending the event, you will hear high quality presentations of real value, be able to engage in discussion, ask direct questions and get to meet face-to-face with the organizations and individuals who can help you ensure the success of your software and systems process improvement strategy.Whether you are seeking a basic understanding or a full process improvement roadmap, this event will be invaluable. The attendee will get the essence of process improvement of implementing appropriate best practices in their organisation. By “appropriate” we mean what fits the organization

The Purpose Plan is designed to help individuals uncover their Overarching Purpose and Purpose Themes. For entrepreneurs and solopreneurs, the process leads to understanding their best Natural Niches, products, services and ideal clients. FOR IMMEDIATE RELEASE   The Purpose PlanPRLog (Press Release) – Feb 12, 2012 – The Purpose Plan is a step-by-step process designed to help individuals uncover and discover their Overarching Purpose and Purpose Themes. For entrepreneurs and solopreneurs, the process leads to understanding their best Natural Niches, products, services and ideal client profiles. Patricia Kelley of TheChangeTeacher.com is creator of this breakthrough process and is now offering group and individual coaching and consulting. Kelley is also Author of forthcoming book, When Change Knocks—Open the Door: Find Peace, Power, Purpose & Prosperity through Chaos and Change.Purpose Plan Workshops, Teleseminars and Keynotes are also available for businesses and organizations. “Patty Kelley is quite simply one of the most effective and delightful inspirational speakers I have had the pleasure of hearing in a long time,” reports Rebecca Pratt, Chief of Production, (Ret) Newsweek MagazineKelley’s inaugural group coaching program launches on March 15th. This four-month program consists of 13 sessions, worksheets, and email support.The investment for this first group only, is $97.00 per month with an additional discount if prepaid in full. More detailed information can be found at: http://www.thechangeteacher.com/the-purpose/ . The Purpose Plan process helps individuals clearly see and understand the “Themes” running through their lives and how that translates into callings and missions at different stages of life. “Patty is able to not only see the whole picture,” reports Dinny Lansdowne, Branding Expert and Founder of www.InspiredMentors.com, “which may not even be visible to you yet – but also all of the moving parts and details.”It’s not uncommon for people to have more than one very strong Purpose Theme running through their lives. The Purpose Plan process helps uncover these and illuminates how they fit in life, relationships and business.“Finding one’s purpose is the source of much personal angst as more and more people are drawn to living a more meaningful, peaceful and abundant life,” said Kelley. She went on to clarify, “The lead up to 2012 and beyond and all the reports on “changing times” has fueled the renewed seeking of millions of people wanting to live purposeful lives. People are seeking positive, life-affirming change. The Purpose Plan supports that positive first step of figuring out what direction best serves a life of authentic meaning for them.”Kelley’s expertise is in empowering others to step out of “who they are, into who they want to be” in a grounded, purposeful and inspired way. Barbara Beck, owner of Turning Point Coaching, offered this about Kelley’s abilities. “Patty is a powerful combination of change-agent, bright intelligence, creative genius, motivator, inspiration and Spiritual guru all in one.” Beck is an expert Life and Relationship Coach, having coached hundreds of people. She goes on to say, “As a professional Life Coach and teacher myself, I know the value of having a deeply intuitive, compassionate, yet challenging force in my life.    For more information on The Purpose Plan group coaching program, individual coaching, or contacting Patricia visit http://www.TheChangeTeacher.com/the-purpose/ . William F. Martin, M.D. of Seattle and Phoenix, AZ says it boldly, “Do not go to Ms. Kelley if you want to remain unchanged.  Once her empowering energy grabs you– you’re hooked!” ABOUT: The Change Teacher, Patricia M. Kelley – Patricia Kelley is a ‘Clarion Call’ Coach, Speaker & Change Catalyst. She offers inspirational Keynotes on The Purpose Plan, When Change Knocks-Open the Door, Want What Life Wants and several other empowering subjects. She is also an experienced emcee, and hosts events and fundraisers. http://www.TheChangeTeacher.com# # #Media that makes a difference. Ideas, tools and actions that lift consciousness and inspire change. Books, events, public relations, speakers and more….

Source: The Purpose Plan Offers New Hope for Purpose, Peace and Prosperity Seekers

The survey asked new ideas on the importance of having an experience "on the other side" of treatment before and during the professional work of mental health care.

FOR IMMEDIATE RELEASE

Log-PR (Press Release) – Aug 25, 2009 – Goodtherapy.org (http://www.goodtherapy.org/) is an international directory of about 5,000 therapists operating in line for about 2 years now. In a recent survey conducted through an electronic questionnaire distributed to approximately 4350 members therapist, he was asked whether respondents favor licensing programs of states that require professionals to participate in psychotherapy as clients. A very high 85% of respondents said they would in fact support such measures, and several of them have expressed their desire to help facilitate and promote an initiative to convince the licensing of State to adopt the idea.On the other hand, 11% of respondents did not agree with this response and negative, while only 3.9% gave a vague answer choosing "it depends". "Although the investigation was not very scientific with only 13% of responses, it was an effort to assess the scope of this positive change in the requirements of state licensure, said Noah Rubinstein, LMFT is the Executive Director to GoodTherapy.org. "One of the basic and much-vaunted principles of psychotherapy in good health, the idea that therapy for professionals in mental health care should be available encouraged and used may be relatively new on the scene, but it can quickly become de rigueur for an increasing number of professionals to show their support. "After the announcement of the results of the investigation, the site has hosted a long discussion the issue, in which the majority of readers warmly welcomed the idea and expressed their interest to help put the issue to a wider audience.Some join the discussion have added their own twists on the possibilities to require that licensed therapists, counselors and other professionals in mental health to receive their therapy, including ideas on the obligation to make a part of the post-graduates, and develop a program to encourage widespread rather than a strict license conditions. In the coming months, further developments in this initiative will undoubtedly arise as more professionals consider the benefits for both therapists and their clients – the proposed requirement and contribute their own thoughts and resources to the project. It should be noted here that GoodTherapy.org is a staunch supporter of non-pathologizing psychotherapy and all members agree with this position before being allowed membership.So this bias could have skewed the results slightly and there is clearly room for further investigations on a wider scale.About GoodTherapy.org: Created in 2007 by Licensed Marriage and Family Therapist Noah Rubinstein and supported by a network of therapists who offer all collaborative and non-pathologizing therapy, GoodTherapy.org is an online hub for clients, therapists and anyone interested in the positive, effective and meaningful mental health care. The site recently reached a monthly output of more than 120,000 unique visitors….

Source: Survey Reveals 85% of Therapists Advocate Being a Psychotherapy Client as a State Licensure Required

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WASHINGTON – The average rate on the 30-year fixed mortgage fell to a record 3.91 percent this week, the third time this year that rates have hit new lows.

Freddie Mac said Thursday that the average on the 30-year home loan fell from 3.94 percent the previous week. The 3.91 percent rate is the lowest average for long-term fixed mortgages on records dating to the 1950s

The average on the 15-year fixed mortgage was unchanged this week at 3.21 percent. That’s also a record.

Low rates offer a historic opportunity for those who can afford to buy a home or refinance. But many Americans either can’t take advantage of the rates or have already done so.

Rates have been below 5 percent for all but two weeks in 2011. Even so, this year is shaping up to be one of the worst ever for home sales.

Rates could fall further still. Many economists think the yield on the 10-year Treasury note could creep lower in 2012. Long-term mortgage rates tend to track the 10-year Treasury yield.

Should the Federal Reserve launch a new program of bond purchases in the coming months to try to help the economy, it could further drive down mortgage rates.

Frank Nothaft, Freddie Mac’s chief economist, has said that despite the super-low loan rates, foreclosures and falling home values have created obstacles for would-be buyers.

But builders could see more interest from buyers in the coming months if mortgage rates stay low. The low rates contributed to a modest 2-point increase in builder sentiment in the latest National Association of Home Builders survey released this month, said Yelena Shulyatyeva, an analyst at BNP Paribas. Those rates, coupled with falling prices, could draw more people into the market, she said.

Sales of previously occupied homes are just slightly ahead of last year’s dismal sales figures. New-home sales appear headed for their worst year on records going back half a century.

Mortgage applications fell about 2.6 percent last week, according to the Mortgage Bankers Association. Refinancing fell 1.6 percent. And loan applications to buy homes fell nearly 5 percent. Over the past four weeks, the level of mortgage applications has been relatively unchanged.

Some lenders have reported an increase in applications through the Obama administration’s refinancing program. That program was broadened in October to allow up to 1 million more homeowners lower their mortgage payments. But the MBA said such government-assisted loans account for just a small portion of refinancing.

High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many Americans don’t want to sink money into a home that they fear could lose value over the next few years.

To calculate the average rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week. The average rates don’t include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.

The average fee for the 30-year loan fell to 0.7 from 0.8; the average on the 15-year fixed mortgage was unchanged at 0.8.

For the five-year adjustable loan, the average rate fell to 2.85 percent from 2.86 percent. The average on the one-year adjustable loan declined to 2.77 percent from 2.81 percent.

The average fees on the five- and one-year adjustable-rate loans were unchanged at 0.6.

Average 30-year mortgage rate a record 3.91 pct.

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Source: Bradley Associates World Current News:Spanje heeft nieuwe regering intenties vast te stellen economi