Difficulty holding onto reasonable goals and ideals Trouble with controlling anger Memory and concentration lapses Career obstacles Struggles with enjoying everyday life, recreational activities and finding satisfaction and serenity (peace of mind).

Summary: Inform them of the various techniques available to assist those not reasonably happy or productive, and that with help, it's possible to overcome such issues: Approach improving mental health as a worthy endeavor that enhances values, positive character traits and adjustment to life; so endorse what life can offer. Realize that one can live a fuller and more creative life, and enhance mental strength to better cope with challenges via flexibility - as opposed to snapping under pressure.


Clean the kitten straightaway if it’s very dirty and covered with mud, dirt, or other detritus. Leaving a kitten in a soiled condition for too long will be uncomfortable for it and can lead to a rash. Cleaning a heavily soiled kitten will mean giving it a bath rather than just a simple wipe down with a flannel. Prepare the supplies before you begin bathing the kitten. Here’s what you’ll need:  A clean flannel and towel(s). Mild hand soap (no harsh chemicals or cleaners). A basin or sink. Consult with your veterinarian about products to use if your kitten has fleas. The water temperature should be about 95 °F (35 °C). This temperature will help the kitten stay warm and keep it comfortable. To gauge the water’s temperature, touch the water with your hand, place it on your wrist, and feel the degree of temperature on your own skin. It is important to keep the water at a reasonable temperature. The kitten’s skin is sensitive. Water that is too hot can burn the skin easily, while cold water can reduce the kitten’s body temperature. Fill the basin until it’s about 4 inches (10 cm) full before your kitten gets introduced to the water. Do not submerge your orphaned kitten in too much water because it may be too weak to keep itself from drowning. Use your hand to wet the kitten’s hind quarters and lower belly, rather than submerging it in water.  Wet the kitten gently, and use slow, smooth movements while you’re handling the kitten. This will help it feel safe. After you’ve supported the kitten in the sink for a few days, try letting it stand in the water for a few seconds at a time. Begin by squeezing a small amount of shampoo on a cloth. Gently rub shampoo over the kitten’s whole body, not forgetting to clean its face, abdomen, legs, and back. Start shampooing its head and move down to the back, belly, and tail. Try to remove the feces or urine excreta from the fur by rubbing it out with the cloth. Keep water and soap out of the kitten’s eyes, ears and face. This could irritate sensitive areas and scare the kitten. After spreading the shampoo on your kitten’s body, rinse it thoroughly by using a cup of water and pouring it slowly over the kitten’s neck and back. Use a damp cloth to clean the soap off of the kitten’s face. Move gingerly to help the kitten feel safe, and avoid splashing water in its eyes.  Do not place the kitten’s head directly under the tap. This will startle the kitten and make it more difficult to control during future bath times. If the kitten seems nervous or afraid, speak to it in a calming voice. Bathing the kitten should only take 5–10 minutes. Once you’ve finished, dry the body of your kitten with a dry towel. Then wrap the kitten with another soft and dry towel and put it in a warm place until dry. If the kitten seems cold or is shivering, hold it against your body to keep it calm and warm it up. You can rub the soft towel on the direction of kitten’s hair to hasten the drying process. This will also build up friction and warm the kitten.

Summary: Prepare the kitten’s bath supplies. Run the tap water to adjust the temperature of the water. Fill a basin or sink halfway with warm water. Wash a flea-free kitten with a mild pet shampoo. Rinse the kitten off completely. Wrap the kitten in a towel when you’re done.


The interest rate stated on your investment prospectus or loan agreement is an annual rate. If your car loan, for example, is a 6% loan, you pay 6% interest each year. Compounding once at the end of the year is the easiest calculation for compounding interest.  A debt may compound interest annually, monthly or even daily. The more frequently your debt compounds, the faster you will accumulate interest. You can look at compound interest from the investor or the debtor’s point of view. Frequent compounding means that the investor’s interest earnings will increase at a faster rate. It also means that the debtor will owe more interest while the debt is outstanding. For example, a savings account may be compounded annually, while a pay-day loan can be compounded monthly or even weekly. Assume that you own a $1,000, 6% savings bond issued by the US Treasury. Treasury savings bonds pay out interest each year based on their interest rate and current value.  Interest paid in year 1 would be $60 ($1,000 multiplied by 6% = $60). To calculate interest for year 2, you need to add the original principal amount to all interest earned to date. In this case, the principal for year 2 would be ($1,000 + $60 = $1,060). The value of the bond is now $1,060 and the interest payment will be calculated from this value. To see the bigger impact of compound interest, compute interest for later years. As you move from year to year, the principal amount continues to grow.  Multiply the year 2 principal amount by the bond’s interest rate. ($1,060 X 6% = $63.60). The interest earned is higher by $3.60 ($63.60 - $60.00). That’s because the principal amount increased from $1,000 to $1,060. For year 3, the principal amount is ($1,060 + $63.60 = $1,123.60). The interest earned in year 3 is $67.42. That amount is added to the principal balance for the year 4 calculation. The longer a debt is outstanding, the bigger the impact of compounding interest. Outstanding means that the debt is still owed by the debtor. Without compounding, the year 2 interest would simply be ($1,000 X 6% = $60). In fact, every year’s interest earned would be $60 if you did earn compound interest. This is known as simple interest. It can be handy to visualize compound interest by creating a simple model in excel that shows the growth of your investment. Start by opening a document and labeling the top cell in columns A, B, and C "Year," "Value," and "Interest Earned," respectively.  Enter the years (0-5) in cells A2 to A7. Enter your principal in cell B2. For example, imagine you are started with $1,000. Input 1000. In cell B3, type "=B2*1.06" and press enter. This means that your interest is being compounded annually at 6% (0.06). Click on the lower right corner of cell B3 and drag the formula down to cell B7. The numbers will fill in appropriately. Place a 0 in cell C2. In cell C3, type "=B3-B$2" and press enter. This should give you the difference between the values in cell B3 and B2, which represents the interest earned. Click on the lower right corner of cell C3 and drag the formula down to cell C7. The values will fill themselves in. Continue this process to replicate the process for as many years as you want to track. You can also easily change values for principal and interest rate by altering the formulas used and cell contents.
Summary: Define annual compounding. Calculate interest compounding annually for year one. Compute interest compounding for later years. Create an excel document to compute compound interest.