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Occupational Health and Safety Management Systems Auditor / Lead Auditor Course
This short-term course is formulated for working professionals who want to excel in the Occupational Health and Safety management systems.
As ISO 45001 Lead Auditors, they can perform a wide range of responsibilities, which include identify potential risks and hazards, faulty policies and give corrective measures to the management to achieve excellence in occupational health and safety.
Course Content
- ISO 45000 standards series
- Auditing Process Approach including the PDCA Cycle
- Auditing ISO 45001:2018 Standard requirements
- Auditing Occupational Health & Safety Management Systems Documentation
- Auditing ISO 19011 standard requirements
- Auditing Standard ISO 19011:2011 requirements
- Auditing Roles and Responsibilities of Auditor
- Audit Planning- Audit Plan
- Checklists, Non Conformance Reports
- Audit Reporting
- Final Team Meeting / Follow-up
- Verification / Audit Records
- Accreditation / Certification and Auditor Registration
- Exercises, case study etc
- Accreditation/ Certification and Auditor Registration
- Course Examination
What are the benefits
1. Gain confidence in meeting compliance and best practice with ISO 45001:2018
2. Gain prominence in your business and can build health and safety awareness
3. Achieve customer trust with ISO 45001
4. Increase efficiency and achieve sustainable improvement
Duration : 5 DAYS


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Photos & Images > Fresno Summer 2009
Shellie Fritz Winter
Shellie has been a friend of ours for several years. She lived with us in the Pink House and then came to stay with us for 6 weeks when we lived in Nigeria. For 2 years now she's been serving at Evangel Home, a residential community for women recently released from incarceration or coming off the streets. In May she married a great guy.
Pink House Gals
A bunch of fun crazies who used to live with us in the Pink House
Don Simmons
Don was our prof in Seminary and then my colleague at One by One. But more than anything he's a great friend.
Shellie & the boys
Outside of Irene's in the Tower District.
My favorite restaurant
Fajita Fiesta at the corner of Divisidero & Van Ness. I have spent a LOT of time and money at this place.
Carne Asada
Many of you know that I am a closet restaurant afficianado. I'm always on the look out for the best restaurants, food, drink, etc. Fajita Fiesta has THE best Carne Asada I've ever had. Hands down. And, for the record, the second best Carne Asada is a little place in Managua, Nicaragua that the Sirkers introduced me to on my last visit.
Craig Scharton
Craig used to be a Fresno city councilman prior to entering the nonprofit world which is where I met him when we both were with One by One Leadership. For the past three years he was directing the Central Valley Business Incubator where he lead a group of young entreprenurial movers & shakers (in the business sense of the word). Fresno's newly elected mayor tapped him to be Fresno's Downtown Revitalization Director of Making Downtown Cool...um...Downtown Director...downtown czar! Ok, I don't know his title, but he's important! And he stopped by to see us at Fajita Fiesta where he interrupted my carne asada. But it was ok, because I hadn't seen him in a while. Much of what I know about how downtowns work in a larger city context I owe to him.
James & Elias
I'm amazed at the size differences in their heads.
As mentioned in my blog, Hector is my barber and the owner of World Hair Stylists which is at the corner of Blackstone & Shaw. Stop by and tell him Matthew sent you. You won't be disappointed.
Caesar & Michelle
I officiated their wedding. A great couple that met while tutoring underprivileged children. Not a bad way to begin a romance.
Fresno State Students
That are now Fresno State Graduates. These are students that Lisa discipled while a campus staff worker with Intervarsity Christian Fellowship. Top notch each and every one of them.
Albert and Robert. And no, they're not posing. This is just how Californians go to church. These guys rock.
John Cristando lived in the Pink House with us. He went to South Africa to get a Masters in Development from some high tone S. African university. Then he started a development consulting company down there. Now he's heading to Tuck Business School @ Dartmouth. This young man is going to change the world. Honestly.

subset: commoncrawl


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Help Understanding Testosterone Test Results
Created January 25, 2012 at 4:11 AM
I received back test results today. I've done some online searching but having a difficult time understanding my testosterone results. They seem a little low but need help understanding if I should be concerned or not. I'm a 39 year old male, good shape and strict paleo - but possibly overtrained. All other test results appear good. If testosterone is low what is recommended other than rest and recovery? Thanks.
Name Normal Range 24-Jan 2012
Testosterone 280-1100 631
Sex Hormone Binding Globulin 13-71 61
Testosterone, Free 47-244 88.1
Testosterone, % Free 1.6-2.9 1.4
Testosterone, Bioavailable 131-682 219.3
Alb 3.3-4.8 4
on January 25, 2012
at 04:51 PM
Thanks for the responses. Can anyone point me to a good resource that describes in detail each test above? I'm trying to make sense of what free, free % and bioavailable is. Thanks.
on January 25, 2012
at 11:25 AM
How is the "free" test done? If it is FAI, it's [invalid][1] according wikipedia. http://en.wikipedia.org/wiki/Free_androgen_index
asked byClint_Peck (20)
Last Activity
Get FREE instant access to our Paleo For Beginners Guide & 15 FREE Recipes!
4 Answers
on January 25, 2012
at 11:28 AM
How is the "free" test done? If it is FAI, it's invalid according wikipedia.
You don't put the units used so I don't have anything to say about the numbers themselves.
I've started natural testosterone-supporting actions to boost my testosterone (hopefully). Here's what I've gathered:
I got rid of all plastic food containers due to BPA in them, same with all canned foods (including canned tomatoes). NOTE THAT BPA-FREE DOESN'T MEAN A PLASTIC IS NECSSARILY SAFE from hormonal perspective, therefore I am erring on the side of caution and eliminating all plastics. This includes plastic water bottles (bought Klean Kanteens) and lunch boxes (LunchBots). Note that many aluminum and metal water bottles actually have a plastic lining.
I haven't been able to replace canned tuna (BPA in can linings), as I can't source BPA-free tuna in Europe. Same with some store-bought meats and some veggies, as they are packaged in plastic. I'm moving to use the local butcher and open air market for veggies, as they don't do that. There are additional benefits from using those, of course.
Also, I added allegedly testosterone-promoting foods:
* Liver (zinc)
* Fish and shellfish
* Avocado for vitamins
* Asparagus for vitamins
* Broccoli, cauliflower, brussel sprouts, cabbage for anti-estrogen
Further tips here.
I'll have my test results in the Spring to see what impact my actions have had.
on January 25, 2012
at 06:09 AM
Total is very good. Free & bioavailable is relatively low, but still well within normal range. Why is the question. It would be very useful to repeat the test and get E2 (http://en.wikipedia.org/wiki/Estradiol) checked to make sure it is not too high...
While there are supplements which increase free testosterone significantly, such as http://www.nutraplanet.com/product/nutraplanet/divanex-120-capsules.html I'm not familiar with dietary interventions, suggest you google this.
(Provided you are lean. If not, lose fat)
Overtraining=bad, for a whole host of reasons. Stop.
on February 12, 2013
at 08:46 AM
Go to labtestsonline.org- they have it explained well. Yes, stop the overtraining.
on February 12, 2013
at 08:45 AM
Go to labtestsonline.org- they have it explained well. Yes, stop the overtraining.


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Walk The Walk
Coley Gallagher
A month into summer vacation, the best way to convey my state of mind is to report how I want to punch the read-walker. As her nickname suggests, the read-walker reads while she walks, or walks while she reads, usually a book, hardcover, no doubt procured from the Evanston Public Library. I met her once, a number of years back, although I cannot remember her name. She is the seventy-something mother of an acquaintance. The read-walker looks much younger than she is, whip-thin, very tanned, often attired in a tank top and workout shorts, frosted blue eye shadow shimmering beneath her tortoise shell specs. Truth be told, I have long nursed a grudge against this person since she drives with her little dog on her lap, its teeny forepaws balanced on the steering wheel.
And now, every few days, as I shuttle five clamoring boys to sports camp, I spot read-walker chugging down Ridge Avenue, a book held at the level of her nose.
When I see her, I want to stop my car, run over and punch her.
Problem: the woman reads while she walks. She would not see me coming. I'd prefer not to sucker punch her as my whole gripe against the read-walker is her not being where she is, not drinking in the glorious summer morning.
No, I would insist on having the read-walker's attention.
First, I'd politely ask her to lower her book, then I'd punch her. In the face or her flat stomach. The stomach option might prove more symbolic, since she'd most likely drop her book. Once she did, I'd kick it into the grass. Backing away, I'd say, "Let that be a lesson to you."
As her hand rises to her stinging face (or aching gut), we'd lock eyes. It would seem like we were staring at each other a long time, but would be only seconds — fractions of a second — before the boys in my car would erupt, hooting and cheering although they'd know not why I slugged the read walker.
This would be my Second Problem. Busted, I'd need to go, fast. Jogging back to my car, I'd lecture the read-walker. Waving my arms to indicate everything and nothing specific, I'd gaze imploringly into her stunned eyes and say, "Look around! Look what you're missing."
Still holding her cheek or ribs, the read-walker's eyes would travel where my arms are indicating, then right back to mine.
I'd say, "You missed the summer sky, fickle and ever-changing. You missed the trees, dense, full green, every flower in raucous bloom. You missed the jowly babies, up for hours by now, not to mention any chubby toddlers who may have wobbled past."
For some reason this toddler part would really choke me up. Not wanting to cry, I'd hurry to my car. Then, when almost to the driver's door, I'd realize that the read-walker is about to turn onto Lake Street and read-walk right past the fragrant, bejeweled Rose Garden. Outraged now, I'd shout, "You miss beauty. Connection. Inspiration. Contemplation!" I'd shake my head, tell her, "I guarantee every single time you read-walk, you miss a wondrous surprise meant specially for you."
I'd close the car door, burning to send her off by shouting something snide and succinct out the window, something like, "Cut that shit out." Or, "No book is that good," which would, of course, be a lie. Instead, I'd just drive away, the male children in the back as loud as bombs, a blitzkrieg of shouted questions: simultaneous, consecutive, seemingly without end.
In short, one month into summer, I could use a quiet, destinationless walk, ideally past the Rose Garden.


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The Banking Commission of the International Chamber of Commerce (ICC) in collaboration with the Florida International Bankers Association (FIBA) ICC Banking Commission Annual Meet for 2018.
The meet gathers over 500+ banking executives, banking professionals, business leaders, lawyers and government officials from more than 65 countries who rethink the future of trade finance and encourage governments, regulatory bodies, and G20 leaders to remove obstacles to trade finance toward sustained economic growth and job creation.
Event | 3 - 6 April 2018
Place- Miami, Florida, USA
Theme: Navigating trade in a world of disruption
Key Objectives:
- Provide valuable insights into the latest developments in trade finance from prominent keynote speakers, industry experts, and business and finance leaders;
- Facilitate the exchange of ideas in lively discussions, specially designed to address the most topical themes in trade finance;
- Influence the debates on trade finance trends and government regulations on trade finance;
- Give updates on policy and regulatory changes affecting the industry to develop unique skills and enhance best practices in trade finance; and
- Serve as the venue of the sphere of influence through ICC's network of over 600 members in more than 100 countries.
Target participants:
- Financial institutions (sales and client relationship managers, product managers, back office managers, risk managers)
- Multilateral development banks and export credit agencies
- Government organizations
- Corporates
- Independent financiers
- Insurance brokers
- Underwriters
- Lawyers and consultants
- Service providers
Resource Speakers:
Steven Beck, ADB's Head of Trade and Supply Chain Finance, will moderate the panel session, "Correspondent Banking and the Need for Financial Inclusion." The session will examine the impact of banks severing their correspondent banking relationships, concerns regarding anti-money laundering regulations, and the cost of due diligence, as well as other concerns around financial exclusion. It will also discuss how emerging market banks are coping with de-risking in this new environment.
(This is a reproduced ADB news as it is. Devdiscourse bears no responsibility towards grammatical or factual errors that may have been presented in the report.)


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'Be our guest' is an encounter with a personality and an issue. For a few lines, the Mag belongs to them. They can make it their own. Its tone, its style and the story it tells is theirs alone.
Today our guest is Louise, who I first met through her enchanting Instagram account, @lattrapereves. She lives in the Landes department of southwestern France. Her partner is a carpenter and she spends her days searching for treasures for her boutique, L'Attrape Rêves. Louise kindly agreed to be our guest and to reflect on the following theme: 'I left the city for family life in the woods'.
I am writing this from my bedroom. Outside, the sun bounces off damp cork oak leaves, there are pine trees as far as the eye can see, and I can hear the cries of cranes migrating to the south.
I am writing this from a forgotten corner of a forest in southwest France.
I am a real city-dweller.
One who orders sushi and goes to the cinema several times a month, who meets up with her friends in a restaurant or bar.
I had a happy life in the city. And then my daughter was born, and my beautiful apartment, light and spacious though it was, suddenly felt far too small.
It has to be said that Violette is a wild child! She has this incredible life force and relentless energy.
I spent two years feverishly waiting for the gates of the public park to open so that she could go and LIVE, without me saying no, be careful, taking her by the hand. But even the public park wasn't big enough for her thirst for life. So, when she started to wash herself in muddy puddles, we left.
People told me I was mad to go and bury myself away in the country. 'You won't last two months!' they said. But there you have it: I've lasted four years now and I, we, have never been so well-balanced.
Living with your children surrounded by nature is like letting them seize real life with their hands, their eyes and their hearts.
It's running until you're out of breath. Knowing the seasons by more than just their names. Touching the ground with your own hands. Coming across squirrels and pheasants on the school run. Distrusting the wild boars of the forest and knowing that a real vegetable garden doesn't give you tomatoes in December…
My children invent thousands of stories, forage for mushrooms, recognise the jay by its song.
They are connected to life itself. They run their fingers over the red bark of the cork oaks, and collect their own pine kernels.
They save washed-up starfish after school and watch the sun set over the ocean. There is always sand between their toes and their hair always smells of bonfire…
To go and live in the countryside is a big decision to make. It's also a huge opportunity that I couldn't not take.
Sure, I go to the cinema less now.
I hardly ever eat sushi and I rarely set foot in a shop. The children get crazy excited when they see an escalator. They all take up loads of space on the pavement and think pigeons are exotic animals! When I see them taking up that much space as they walk around town, I say to myself, with my city-girl heart, that I've done the right thing by them.
Fly from place to place, little ones.
With earth under your nails and sand in your slippers, always. And in the depths of your pockets a conker or a shell – precious treasures.
May your roots always run as deep as those of the cork oak and may your steps always be as light as those of the wren who nests in our tree, because as you grow up, this incredible force will be with you, wherever your path may lead.


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The gorgeous suburb of Hout Bay is located in a valley right on the Atlantic Seaboard for the Cape Peninsula. It's approximately 20KM south of Cape Town's CBD. Panoramic views of Table Mountain can be seen to the North and the Atlantic Ocean to the South. Hout Bay also offers views of the Twelve Apostle's mountain range and Lion's Head. It's no wonder that Hout Bay is one of Cape Town's biggest tourist attractions.
The suburb of Hout Bay is known internationally for its excellent beach and many tourists are drawn to its shores. The beach is especially popular with those who are keen on water sports. Known to surfers as The Dungeons, the area is well known for its waves of over 14m. Annually, the area plays host to Red Bull's Big Wave Africa. Our self-catering holiday accommodation will give you easy access to the beach.
When staying in any of our holiday rentals you won't need to cook if you're not up to it. Hout Bay plays host to a number of restaurants and cafes easily reachable from many of our vacation villas. These establishments offer delicious food and drinks as well as spectacular views of the mountains and ocean. You'll never find a better spot to enjoy a sundowner.
Our self-catering holiday apartments and villas are fully furnished with all the modern necessities you need to experience pure beachside bliss! Being a popular tourist destination, there's a variety of self-catering vacation accommodation available. We select only the best holiday properties for our website so we guarantee that when you stay in any of our vacation rentals you'll get the experience all the awesome views and amenities that Hout Bay has to offer.
Enquire about our fantastic Winter Specials. Valid for stays between May and September.
Just came back from holiday in Cape Town. Great assistance when needed and such a gorgeous apartment. Wish I could stay forever.
- Melissa Smith


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Raw Blackberry Coconut Cashew Slice Fresh From My Mother-In-Law's Garden
You'll find that nothing beats the flavour of home-grown, freshly picked organic-grown fruit and vegetables. They're free of chemicals and packed with health-giving nutrients, so they're pure and wholesome.
I love returning home to New Zealand over the summer to visit our family and friends and have some time and respite away from our hectic live in Asia.
Its always so amazing to return to my husbands family home Opou where there is always an abundance of fresh fruit and organic vegetables. The fruit and vegetable garden has sustained Jeremy's family for 5 generations and on our daily adventures in the garden we came across the blackberry bush dripping with the sweetest fresh berries, so we decided to put these to good use.
See the recipe below for this healthy treat made from Libby's (my mother in laws) fresh blackberries.
For the bottom layer
-1 cup medjool dates, pits removed
-1 cup raw cashews
-1 tablespoons coconut oil
-1/4 cup unsweetened shredded coconut
For the middle layer
-1 cup raw cashews
-1/3 cup coconut cream
-1/2 cup unsweetened shredded coconut
- 2 tablespoons honey
For the top layer
-6 ounces blackberries (set aside 8-10 berries to keep whole)
-2 tablespoons honey
-1/2 cup coconut cream
-1/2 cup unsweetened shredded coconut
In a food processor, pulse all ingredients for bottom layer until mostly smooth. This will take 2-3 mins.
Dates should be totally sticky and cashews should be ground. Place into loaf pan and press firmly until it's spread totally evenly on the bottom.
Place in freezer while you make the next layer.
Clean food processor, then repeat process with all middle layer ingredients. Again, it should take 2-3 mins to get smooth.
Remove loaf pan from freezer, spread second layer evenly over the bottom, then place in freezer again while you make the top layer.
Clean your food processor one more time, then combine all ingredients for top layer in a food processor, leaving 8-10 blackberries out. Once totally smooth (about 2 minutes), mix in the whole berries, remove loaf pan from freezer, and spread top layer over everything.
Freeze the entire thing for at least 2 hours before cutting into slices and serving. Keep frozen for up to 1 week.


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A dedication to complete customer satisfaction is our top priority. Here's what our customers have to say:
Ray F.
Great Service, Great Price. I called six plumbers to check their cost and availability. Black Diamond had the lowest cost. They arrived when they said they would. They were very nice. They worked quickly. I am very pleased with the service we received from Black Diamond. And we will definitely call them in the future!
Sarah S.
Customer service is everything in a company + Black Diamond was beyond incredible during every step of our electrical work. From the initial (very detailed) quote by Jared on our 90-year old house, to the friendly dispatchers who always picked up the phone (thanks Rocky), to the AMAZING crew that worked on our house for 4-days (Michael, Bryce + Bryan). Michael was the lead on our job + I felt so lucky we had such a caring, detailed + talented electrician keeping our family safe. The communication during the 4-day job was always open + extremely clear. The team arrived early each day + stayed late until the job was finished. There were no surprises on the final bill + the house left clean + ready to move in. I will always recommend + use Black Diamond. Great company + so appreciate the awesome customer service!!!
Julia E.
Josh worked on our 1978 home and we are so thankful we had someone with his skill and expertise to replace our electrical panel. Our house had some pretty creative wiring and Josh was able to figure it out and correct it. If and when future problems arise in our fixer-upper we are definitely working with Black Diamond and we are certainly asking for Josh. (FYI: my husband and I work at a ski resort and do not make a lot of money, and the prices BD quoted us were right there with other electricians but the service they provided seems above and beyond).
Kathleen C.
These guys are the best, if you need anything done, electrical, heating and air they are the ones to go to. I had to have a gas line installed and the electrical outlet behind the stove changed and they did a wonderful job. Justin Koontz and Corbyn Boyd worked on the gas line getting it installed and Kyle Shaw changed the plug in to accommodate my new gas stove. Thank you for a job well done.
In addition to the Salt Lake City metro area we offer Electrician services for the following communities: Ogden, Sandy, Provo, Orem, West Jordan and more.


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- Licenses
- Hunt
- Wildlife
- Fish
- Boat
- Education
- Enforcement
- KY Afield
- More
|Observations details for species Northern Pintail Anas acuta for Central City East quad
|Observed Date:
|Project Description:
|Kentucky Ornithological Society and Kentucky Department of Fish and Wildlife Resources. 2009. Compilation of Kentucky Warbler Seasonal Reports 2000-2008. Frankfort,
|Secondary Source:
|Palmer-Ball, Jr. , B. and L. McNeely. 2005. The Winter Season 2004-2005. The Kentucky Warbler 81(2):54-62.
|Review Status:


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In addition to Zichron Yaakov's lovely pedestrian mall, there are numerous attractions and fun activities for the whole family in the surrounding region.
Area Attractions
Additional information is available at the Reception Desk.
On the Carmelim Tourism website : www.carmelim.org.il
And on the website for the Zichron Yaakov council: www.zy1882.co.il


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Our Technology
Innovative Technology. Simple Device. DreamWarmer is designed to deliver life-saving warmth
- Not dependent on electricity
- Made of wax that melts at skin temperature
- Lasts for approximately six hours
- Target price: $50
- Reusable up to 1000 times
- Includes insulating protective sleeve
A Simple Device
The DreamWarmer is an easy-to-use, inexpensive, reusable, easily washable, non-electric infant warmer that supports Skin-to-Skin (STS), also known as Kangaroo Mother Care. The warmer is modeled on a heating pad and uses phase change material (PCM) to maintain skin temperature (37°C) for approximately 6 hours. It is constructed of sturdy material with no attached fabric, so that it can be easily cleaned and reused.
Innovative Technology
Developed by engineers from Lawrence Berkeley National Laboratory with subject matter experts at Boston Children's Hospital (BCH), field-based input from clinical partners at Partners In Health (PIH)-Inshuti Mu Buzima (IMB) in Rwanda, and the Rwanda Ministry of Health (MOH).
Phase Change Material
The phase change material used in this product, PureTemp37, comprises the DreamWarmer's core innovation. It is a precise mixture of vegetable oils that changes from solid to liquid at 37°C. The mattress (warming pad) is composed of multiple "candles" of PCM designed to become liquid at skin temperature. Once melted, the mattress (warming pad) maintains 37°C temperature until it cools to the solid phase. The mattress is heated by rolling and submerging it in boiled water, making it easy to prepare even in remote settings. Once heated, the warming pad is slid into a neoprene sleeve, which provides comfort and insulation to maximize duration of heat transfer.
DreamWarmer kits includes:
- Canister/Thermos
- PCM Mattress
- Insulating sleeve with built-in temperature indicator
Heat water to boiling (100ºC).
Fill canister with boiling water.
Roll PCM insert and place in boiling water. Boil until wax is melted.
Remove PCM and slide into outer protective insulating sleeve. Wait 30 minutes until temperature indicator highlights a "happy baby" face.


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This year we've been busy coordinating events that are ready to enjoy...and educate.
Learn more about Seawind Catamarans first hand. Most models are available, and we have new and used trimarans of every stripe. Just ask us...
Wish you had more experience?
The Trimaran Sailing Clinics from 180 Marine are designed to provide the essential foundation of sailing skills on a Corsair trimaran. Learn either how to sail a Corsair much better, or to sample what Corsair trimarans are like to sail.
Many times during the year we offer training sessions out of San Diego or Oceanside, California.
Offered as half day, one, two or three-day sailing clinics, our approach gets the new trimaran owner started out right, and builds upon previous sailing experience.
Call or email Richard Allen for more details and to reserve your spot.
303.669.6210 or email@example.com
Learn more about showings and demo events for Seawind Catamarans and Corsair Trimarans. Depending on model, it might be SoCal or NorCal. Call us!


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· The Family Homes Fund Limited, a partnership between the Federal Ministry of Finance and the Nigerian Sovereign Investment Authority as founding shareholders, will address the country's housing.
In its quest to tackle housing challenges in Nigeria, the Federal Government, on Wednesday, announced the appointment of Mr. Femi Adewole as the Managing Director of Family Homes Fund. Adewole's.
Note: The organizations who successfully implement the project for a year fulfilling the work plans and meeting deadlines will have chances to be invited to submit application for another cycle of grant otherwise no organization is provided fund for more than a year and more than once.
Yadira Homan – Real Estate Agent in Dacula, GA – Reviews | Zillow Take a trip into an upgraded, more organized inbox. Sign in and start exploring all the free, organizational tools for your email. Check out new themes, send GIFs, find every photo you've ever sent or received, and search your account faster than ever.416 Evening Star Dr, Kearney, MO 64060 | Zillow wells fargo advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.
By June 2019, we will launch a social housing rental housing fund to provide affordable housing opportunities for Nigerians on very low wages but secure employment. The cost of monthly rentals will typically not exceed 40% of household income and beneficiaries will have an option to buy at any time they are able to do so.
More Info We are here to bridge the housing gap in Nigeria Nigeria requires more 17 million new homes to meet the immediate needs of the people, the vast majority of whom lives on less than $4 a day.
Excerpt from Africa Housing Finance Yearbook 2016 Overview In 2017 Nigeria faced significant economic challenges, factored by a GDP contraction, foreign exchange instability, and a gap in governance.Uncertainty in the oil sector remains as communities in the Niger Delta pulled out of peace talks following recent flair ups in the region.
Latest news, sport, business, comment, analysis and reviews from the Guardian, the world's leading liberal voice
Child care development home– A private residence for up to five children, with no more than two infants in the group. ! Infant care center– A child development center that cares for infants and toddlers (children two years old or younger). ! Before- and after-school care– A.
Binjabi revealed his incredible story to Arab News while at work painting on canvas at. the Saudi royal family, but royalty in other countries too. (Photos/Supplied) From the age of three, when he.
There's been a spate of building collapses in Lagos, Nigeria. In some cases, people have died. In one instance a building had been marked for demolition at
Mortgage Applications, Refinances Surge After Interest Rate Drop | USNewsRank.com First Citizens BancShares (FCNCA) & columbia banking system (COLB) financial survey australia's 'mortgage time bomb' set to explode Australia's 'ticking fiscal time bomb' is untenable. – Australia's 'ticking fiscal time bomb' is untenable.. a ticking fiscal time bomb".. Beacher says something must be done because the Australian government has little to no control over.First Trust NASDAQ aba community bank index Fund (QABA) ETF – The investment objective of the First Trust NASDAQ ABA Community Bank Index Fund seeks investment results that correspond generally to the price and yield of an equity index called the NASDAQ OMX ABA.Sealed Air shares slide 6% as BofA merrill downgrades stock to neutral after CFO firing. Shares of food packaging company sealed Air Corp. slid 6% Friday, after Bank of America Merrill Lynch.


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Geo is an executive and transformational coach based in New York City who supports high impact entrepreneurs integrate their emotions, natural gifts, and purpose with a grounded, concrete strategy to execute their vision in the world.
Each year, he works with a small number of private clients who seek life-changing breakthroughs at the personal and professional level. Geo is also a senior expert at Neuberg Gore & Associates, an executive coaching firm dedicated to developing the next generation of leaders in startups.
New York | SF | London | Paris | Berlin | Amsterdam


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It's Just a Flesh Wound – But a Sad Day for Vol Sellers
On January 31 we wrote about the unprecedented levels – for a stock market index that is – the weekly and monthly RSI of the DJIA had reached (see: "Too Much Bubble Love, Likely to Bring Regret" for the astonishing details – provided you still have some capacity for stock market-related astonishment). We will take the opportunity to toot our horn by reminding readers that we highlighted VIX calls of all things as a worthwhile tail risk play. Not only were we right, we were actually kind of double-plus right, with near perfect timing to boot. That doesn't happen very often, so forgive us for enjoying this brief moment of Zoltar glory.
Sometimes it just works… Zoltar has happy news for that exceedingly rare species, the "long vol" speculator (lately seen to be recovering – the endangered species, we mean).
Most of our readers are probably aware by now that there was a very specific reason behind the VIX intraday spike to more than 50 points in the face of what was not even a 10% correction. One of the most beloved "free money"/ "it's like taking candy from a baby" trades of the past few years, namely "selling volatility", blew up rather spectacularly for some traders.
Judging from assorted sob stories that have made the rounds, some people appear to have neglected reading the fine print accompanying leveraged inverse VIX ETNs (or decided to ignore it). These instruments benefit greatly from a declining VIX, but are rather uncomfortable to hold during VIX spikes. ETNs such as the recently unceremoniously expired XIV are liquidated if they lose more than 80% of their value in a single day.
What many people failed to consider was the fact that the VIX is subject to an effect akin to bond convexity – which was incidentally a major reason why we liked VIX calls as a tail risk play. Essentially, the lower the VIX went in absolute terms, the more likely it became that it would one day experience a very large percentage move in a very short time period (such as going up by 100% or more in one day).
Given that there wasn't even a single noteworthy down day since early 2016 and considering that the market had become extremely overbought, people should have expected that a bit of upheaval would eventually intrude and at least interrupt the party. Ultimately it didn't take much to bring XIV and at least one more inverse VIX ETN to their knees.
XIV – the inverse VIX ETN performed gloriously as long as the VIX declined – but this decline by itself actually laid the foundation for the subsequent one day wipe-out of the ETN. Ironically, some $500 million or so had poured into the fund just one week earlier, with traders piling in at the first sign of market weakness.
From Hysteria to "Party On Dudes!" in Two Days
What we find rather remarkable about the past week was the response to these events. At first there were signs of hysteria – for instance Federal Funds futures traders took an entire rate hike out of their market-based interest rate expectations for this year, while Mario Draghi let it be known that the "ECB was in touch with market participants" in order to gauge the risks allegedly posed by a less than 10% stock market correction. Many financial media reported on the 4%+ slide on Monday in a tone one would normally expect to be reserved for reports on a major asteroid strike or a nuclear attack.
It is also astonishing how many victims this fairly small dip has already claimed, from the holders of XIV to the "Probabilities Fund", which was supposed to "take some of the risk out of stock market investing" and fell by more than 8% on Monday alone. We should add that the fund has performed excellently hitherto, but we don't think this was due to efforts to make stock market investing less risky, but rather a function of the fact that it rode the biggest bubble ever with a leveraged long position (hence the more than 8% knee-capping on Monday).
Consider also that XIV represented assets of just $8 billion – certainly a nice chunk of money for such an esoteric trading vehicle, but essentially nothing compared to many other obscure investment instruments, which have just as great a likelihood of blowing up one day (although probably not as rapidly). For instance, Bloomberg reminds us that ETFs holding leveraged loans have proliferated, as have CLOs. These instruments represent ticking time bombs at least an order of magnitude larger than XIV and its cohorts.
US leveraged loan issuance has gone bananas last year (the same happened in Europe) – at least 80% of these are "cov lite" loans nowadays, which offer practically no protection to creditors in the event of default. These loans can be sold, but are obviously not the most liquid instruments out there – that has not kept enterprising investment banksters from stuffing them into ETFs, most of which are presumably held by potentially skittish retail investors. If these ETFs are hit by a flood of redemption requests, all hell is likely to break loose in numerous nooks and crannies of the financial system's plumbing.
After the tanking by roughly 1,175 points on Monday, the widely followed DJIA recovered by more than 500 points on Tuesday. This is quite a bit of volatility, but mainly by recent standards. A plethora of gloomy forecasts issued on Monday was immediately replaced by headlines such as "BlackRock sees opportunity to take on more market risk". They didn't mention that this opportunity exists every day. This rush to get back in is almost unseemly.
In the meantime, we have been inundated with what appears increasingly like a major outbreak of wishful thinking. The most striking assertion was that "the fundamentals are sound". Even if they were (the point is definitely debatable), the question should be whether they are already priced in. Stocks are not just priced for "sound fundamentals" in our opinion – they are priced for Nirvana. And as we will show in Part 2, the most important fundamental datum should actually elicit quite a bit of concern at this stage.
There are times when taking on more market risk is bound to pay off. Right now it seems that avoiding risk may be the more prudent approach. Will be be able to surpass Nirvana? If not, why should valuations expand even more?
We want to conclude this article with a technical observation. Below we compare the S&P 500 Index to the Euro-Stoxx 600 Index. We continue to believe that this massive divergence could be meaningful. This is very different from how these markets have behaved in the past. Note that it never mattered that Europe is considered more socialistic than the US, as the large multinational companies dominating the benchmark indexes are not bound by the limits imposed by geography.
What makes this chart particularly interesting is that the ECB is still printing gobs of money outright, even though it has slowed the pace of QE considerably. And yet, the performance of European stocks left a lot to be desired compared to that of US stocks over the past two years. It may be a sign that the papering over of the euro crisis will eventually fail, but right now the most important thing is that it constitutes a major bearish divergence.
SPX vs. Euro-Stoxx Index. Something doesn't compute here.
Soon you will learn a few new acronyms, as we will discuss data that are not often mentioned, or are considered rather obscure. The thing is, even "obscure" and "arcane" segments within the financial markets and the economy have attracted enormous amounts of investment. We suspect quite a bit of this capital will turn out to have been malinvested.
As we write these words, the DJIA has once again suffered a more than 1,000 point decline. Perhaps we are indeed in a situation akin to the ChiNext collapse of 2015 we looked at last week.
Charts by: StockCharts, Bloomberg, Multpl.com
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Dear Readers!
You may have noticed that our so-called "semiannual" funding drive, which started sometime in the summer if memory serves, has seamlessly segued into the winter. In fact, the year is almost over! We assure you this is not merely evidence of our chutzpa; rather, it is indicative of the fact that ad income still needs to be supplemented in order to support upkeep of the site. Naturally, the traditional benefits that can be spontaneously triggered by donations to this site remain operative regardless of the season - ranging from a boost to general well-being/happiness (inter alia featuring improved sleep & appetite), children including you in their songs, up to the likely allotment of privileges in the afterlife, etc., etc., but the Christmas season is probably an especially propitious time to cross our palms with silver. A special thank you to all readers who have already chipped in, your generosity is greatly appreciated. Regardless of that, we are honored by everybody's readership and hope we have managed to add a little value to your life.
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One Response to "US Stocks – Minor Dip With Potential, Much Consternation"
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Recipes from Spain. Cuban-style rice
Cuban-style rice is a very popular dish in Spain. We can find it on the menu of many restaurants, and it is served hot as a first course. It is quick and easy to prepare but delicious as well.
There is little controversy about its origins, some people believe that, as its name implies, it is a dish which comes from Cuba, while others say that it is from Spain, particularly from the Canary Islands. According to the latter view, a similar dish can be found in many Spanish-speaking countries because it was created by the Spaniards in America in the colonial period.
The ingredients are simple, just boiled rice (round grain variety) with tomato sauce and a fried egg. The rice is often served with a molded shape (by using a glass or a cup). In many cases, this dish is accompanied by fried sweet banana, a delicious touch for those who like to combine sweet and salty. In fact, it is said that the recipe that we can find in Cuba includes the fried sweet banana but not the tomato sauce. But, whatever its country of origin, it is certain that in the Caribbean island it is not called "Cuban-style rice" like in Spain.
In Spain we can find other versions of this dish, for instance, instead of a fried banana adding a sausage to the rice with tomato sauce and fried egg.
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Watch: This Karnataka police constable converted his baton into a flute to play folk songs
Chandrakant Hutgi got a special award for his innovative creation and his musical talent.
A police constable's job can require putting in long hours, leading them to constantly come up with new ways to keep themselves entertained during their breaks.
Perhaps that explains why Chandrakant Hutgi, a constable in Karnataka's Hubli turned his baton into a flute, which he used to play folk songs. The performance came to people's attention after Hutgi posted a video of himself playing the instrument.
"Making musical instruments and playing them have been my hobby for long. I turned the fibre lathi, given to me for policing, into a flute to play folk songs when free from work," he told IANS.
Hutgi's talent and innovation also earned him a special cash award from the Additional Director General of Police, Bhaskar Rao, in Bengaluru and recognition from the state police department. Rao, too, posted a video of one of Hutgi's performances on his Twitter account.
"To kill boredom or break monotony, I play the flute and entertain my colleagues after duty hours," Hutgi said. "Since the video clip went viral earlier in the day, I have been getting calls from colleagues, friends and relatives and congratulatory messages," he added.


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North Melbourne fans will have the opportunity to purchase tickets for home matches in Melbourne on Monday, with a special discounted rate to celebrate season 2018.
Club members will receive an email on Monday, March 5, providing access to an exclusive pre-sale, giving you the chance to secure the best seats available ahead of the general public for two days.
General public tickets will also be discounted for 48 hours, from 9am AEDT on Wednesday, March 7 to 9am AEDT on Friday, March 9.
Fans are encouraged to get in quick and take advantage of the sale which includes all home games, including the Good Friday blockbuster against St Kilda.
Please note: Round 23 tickets will go on sale from August 9, upon confirmation of North's game schedule.
Etihad Stadium
Member pre-sale: Monday, March 5 from 9am
General public on-sale: Wednesday, March 7 from 9am
For purchases visit ticketmaster.com.au or call 13 61 00
Blundstone Arena
Tickets to North's three matches at Blundstone Arena in 2018 are already on sale.
To secure tickets to games against Carlton, GWS GIANTS and West Coast Eagles, head to ticketek.com.au or call 13 28 49
3-game memberships start from just $75. Will you March with North in 2018? Membership packages available now.
Visit membership.nmfc.com.au for more.


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Hey! This thing is still a Work in Progress. Files, instructions, and other stuff might change!
Remix - BB8 - Star Wars RC Droidby kaoskido Jan 3, 2019
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Hi, thanks for doing this. :)
kaoskido - in reply to DIY_Machines
I think printing in two parts is really the best way to go. I am not having a good result.


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In 2012, Amazon announced the launch of Vine.com for buying green products, including groceries, household items, and apparel.[2] It is part of Quidsi, the company that Amazon bought in 2010 that also runs the sites Diapers.com (baby), Wag.com (pets), and YoYo.com (toys).[2] Amazon also owns other e-commerce sites like Shopbop.com, Woot.com, and Zappos.com.[2]


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Faces Potential.63 Billion Fine in Europe Over Data Breach". Retrieved June 7, 2013. 478 479 Ilya Somin, a law professor at George Mason University and a scholar at the Cato Institute, reported that he had been the subject of death threats from Cesar Sayoc, the man who was arrested for the October 2018 United States mail bombing attempts. "Brussels in crackdown on 'double Irish' tax loophole". MMller, Karsten; Schwarz, Carlo (2017). Internet connectivity, such as desktop computers, laptops and tablet computers, and smartphones. Retrieved January 18, 2015. The New Yorker, September 17, 2018 Issue. Retrieved January 18, 2014. "Facebook's 100 Million Users: How Much are They Worth?".
The founders initially limited the website's membership to Harvard students. The shifting patterns of English May I have a word about testing times for Facebook, Google and. Facebook has overhauled how it ranks the posts, videos and photos that appear in its users News Feeds, introducing major changes on Thursday designed to put what friends and family have to say. Transcription Jobs Online for Beginners. Transcription work is near and dear.
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A b Joseph Menn (September 19, 2018). Stone, Brad (February 20, 2014). Jose Antonio Vargas (September 20, 2010). Has utilized growing internet markets using a social media platform to expand its user base while generating billions of dollars in revenue from Facebook's companies. Retrieved February 7, 2014. "Fanning the Flames of Hate: Social Media and Hate Crime". Active users of Facebook increased from just a million in 2004 to over 750 million in 2011. We expect there are others. 467 Facebook also allowed InfoWars videos that shared the Pizzagate conspiracy theory to be left up, despite having specifically asserted that it would combat Pizzagate content. 531 This debate showed the broader community what many young students had already experienced: Facebook as a popular and powerful new way to interact and voice opinions. "A Closer Look at Facebook Spaces, the Company's First Social VR App".
498 499 Facebook's social impact has also changed how people communicate. "Facebook under fire for 'censoring' Kashmir-related posts and accounts".


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FEATURED COVERAGE: Synod for the Amazon
Joseph F.X. Zahra, a Maltese economist spoke at a U.N. event on economics, saying economic systems are operated by people and should be based on principles of freedom and dignity.
Vatican reforms will not be stopped, according to Joseph F.X. Zahra, an economist and Malta business and banking executive, who has spent the better part of the past few years helping to lead the changes taking place at the Vatican. In 2011, Zahra was appointed as one of five members of the International Audit Committee of the Holy See and the Vatican City State.
In its previous meetings, the Council of Cardinals has reviewed the work of Vatican congregations. The council will now shift its attention to studying the Vatican's 12 pontifical councils.


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Glyphosate, the world's most widely used weed killer, has caused concerns over its potential risk to human health and the environment for decades. Now, new research shows that glyphosate may be indirectly killing bees.
Brand-new research from the University of Texas at Austin shows that glyphosate is hazardous for bees.
For this study, scientists exposed honeybees to glyphosate at levels known to occur in crop fields, yards and roadsides. The researchers painted the bees' backs with colored dots so they could be tracked and later recaptured. Three days later, they observed that the honeybees exposed to glyphosate lost some of the beneficial bacteria in their guts and were more susceptible to infection and death from harmful bacteria.
Their conclusion is that by altering a bee's gut microbiome — the ecosystem of bacteria living in the bee's digestive tract, including those that protect it from harmful bacteria — glyphosate compromises its ability to fight infection.
And that, scientists believe, is evidence that glyphosate might be contributing to the decline of honeybees and native bees around the world.
Contentious weed killer
Glyphosate, the active ingredient in Monsanto's herbicide Roundup, has been used by farmers around the world for more than four decades. With 700,000 tons per year produced, glyphosate is the most used pesticide in the world.
In Germany alone, every year about 5,500 tons of glyphosate are sprayed on private gardens, in city parks and along train tracks. But the lion's share of the pesticide is used in agriculture. In fact, glyphosate is used on approximately 40 percent of Germany's arable lands.
It's a chemical substance that represses certain amino acids and thereby halts plant growth. In agriculture, it's often used right before or after seeding in order to rid the arable land of weeds. Sometimes, the chemical agent is also used before harvesting, as the chemical dehydration process known as siccation lets fruit ripen quicker, which makes harvesting so much easier that few in the agricultural business can imagine life without it.
Health hazards
But glyphosate has also been making headlines for its potential health hazards. The herbicide, which was developed by the US agricultural corporation Monsanto in the 1950, has been linked to Parkinson's and Alzheimer's diseases and more worryingly, there are currently hundreds of court cases in state and federal courts arguing that the widely used weed killer causes cancer.
Numerous studies have been looking at whether the pesticide should be classified as a carcinogen — a substance which causes cancer — or a mutagen — a substance which causes genetic or reproductive effects. But so far, they have never been able to produce a definite result, which is partly caused by different research methods.
While the World Health Organization says there is evidence that glyphosate is likely to be carcinogenic, other research, including that of European health authorities, is inconclusive.
Politicians have also been ambiguous. While the European Parliament has called for the herbicide to be banned by 2022, the EU Commission recommended its license should be renewed for 5 years.
The widespread use of glyphosate in the EU led to numerous protests since citizens are concerned over its potential risks
Threat to biodiversity and animals
Less debated than whether or not glyphosate causes cancer is the herbicide's impact on the environment.
The German environment ministry is concerned by the fact that the all-around pesticide kills off plants in an indiscriminate manner, including plants that are essential for the survival of many animals. This could result in monotonous farm land, lack of wild herbs and landscapes without the hum of insects and the chirping of birds, environmentalists warn.
The European Chemicals Agency ECHA recently deemed glyphosate non-cancerous, but it kept the classification as a "substance causing serious eye damage and being toxic to aquatic life with long-lasting effects."
Bee decline could get worse
The news that the weed killer could be as harmful to bees is important considering that bee numbers are already in sharp decline. Domestic and wild bee populations have plummeted in many parts of the world, a process which is commonly referred to as colony collapse disorder. This has happened in the United States, where beekeepers found their hives decimated after millions of bees mysteriously disappeared, and in China, where they now hand pollinate their apple and pear trees because they don't have enough bees left to do it.
For their study, scientists exposed honey bees to glyphosate and painted the bees' backs with colored dots so they could be tracked and later recaptured
A combination of factors are to blame for this decline, including parasites like the varroa mite, the use of pesticides and farming methods that kill the flowering plants bees feed on, as well as insecticides like neonicotinoids that harm the bees directly.
The new study now directly links the use of glyphosate with the decline in bees. Researchers found that bees with impaired gut microbiomes after exposure to glyphosate were far more likely to die when later exposed to Serratia marcescens, an opportunistic pathogen that infects bees around the world, compared with bees with healthy guts.
About half of bees with a healthy microbiome were still alive eight days after exposure to the pathogen, while only about a tenth of bees whose microbiomes had been altered by exposure to the herbicide were still alive.
Based on their results, the researchers recommend that farmers, landscapers and homeowners avoid spraying glyphosate-based herbicides on flowering plants that bees are likely to visit.
Why we need bees to survive
Bees are among the main pollinators in the world and without bees life as we know it would cease to exist.
Without bees, many fruits and vegetables, most baby foods, all prepared products that contain sunflower oil like frozen pizzas, even personal hygiene products that contain shea butter would disappear from our supermarket shelves.
"Life on earth essentially will collapse without insects. They are at the heart of every kind of ecological process you can think of," Dave Goulson, a biologist and insect expert at the University of Sussex in the UK, told DW.
"Roughly three-quarters of the crops we grow in the world benefit from being pollinated by insects, which gives us about a third of the food that we eat. And it's the most nutritious, tasty fruits and vegetables we like to eat, and also things like coffee and chocolate we wouldn't have without insects, so diets would be much poorer and it would be very difficult to feed everybody without those pollinators."
In times when the number of crops we grow in the world that need pollinating has drastically increased, we desperately need more pollinators, not less.
And it's not just the pollination process we need bees for. They do a whole bunch of other things as well. They're intimately involved in lots of nutrient cycles, helping to break down leaves, dead trees and dead bodies of animals. They help to recycle those nutrients and make them available again.
"So if it weren't for insects, cowpats and dead bodies would build up in the landscape, which sounds pretty unpleasant," Goulson said. "We should be really concerned over the decline in bees. People should be jumping up and down and concerned over this, because these insects do so much. Really, ecosystems will collapse, and we cannot survive without insects. People may not like insects, often they don't, but they ought to appreciate that insects do an awful lot for us."
After a gardener was awarded $289 million for cancer he said was a result of exposure to Roundup weed killer, Monsanto still denies the health risks of glyphosate — in everything from kids' cereal to the air we breathe. (17.08.2018)
A California man is dying of cancer, and he is blaming the glyphosate found in Monsanto's Roundup, while a judge has allowed hundreds of more cases to move forward. But research shows the link is anything but clear. (11.07.2018)
Many people see insects as annoying pests. But British biologist Dave Goulson cautions: A world without insects is a dull place without coffee and chocolate — and with dead animals and cow patties piling up. (22.06.2018)
The ruling paves the way for many more cases against agrochemical giant Monsanto. Glyphosate, the active ingredient in Roundup, is at the center of a debate over the weed killer's impact on humans and the environment. (11.08.2018)
Glyphosate is a herbicide that's used to kill undesired plants. Pulling up plants, or "weeding," does the same thing without chemicals, but it's very labor-intensive. What if tireless robots could weed fields cheaply? (04.06.2018)
An NGO says 90 percent of EU tests determining which pesticides are safe come from the industry. But critics say the campaigners are distorting data to whip up panic. (13.02.2018)
EU member states have voted to extend the license for controversial weed killer glyphosate. Germany's approval was crucial in the vote, but it could derail coalition talks between Merkel's conservative bloc and the SPD. (27.11.2017)
The European Parliament has called for glyphosate to be banned by 2022 amid fears the weed killer causes cancer. The move puts pressure on the EU Commission which recommended its license should be renewed for 10 years. (24.10.2017)
Around 33,000 people and 100 tractors took part in the march through the capital. Protesters' demands included banning a controversial weed killer and redirecting European subsidies to ethical farmers. (21.01.2018)
The pesticide glyphosate is used worldwide, also on soybean and cotton plantations in Argentina. It's causing more cases of cancer, miscarriage and deformation there, says pediatrician Ávila Vázquez. (14.04.2016)
The widely used weed killer glyphosate does not cause cancer, according to a controversial EU assessment. It's still highly toxic for biodiversity and should be banned, says Karl Bär of the Munich Environment Institute. (16.03.2017)
The European Union is deciding about the future of glyphosate — a controversial herbicide that may be linked with cancer. DW offers an overview on the most important points of the debate. (27.11.2017)


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Dr. rer. pol. Matthias Sohn
|Gebäude 36, Zimmer 2243
|+49 89 6004-4207
Dr. rer. pol. Matthias Sohn
Matthias Sohn studied Social- and Economic Psychology at the University of Basel. He worked as a predoctoral fellow at Bundeswehr University Munich and received his PhD in Management Accounting in 2015. Since then, he is a postdoctoral fellow both at Bundeswehr University Munich and at the Leadership Excellence Institute Zeppelin (LEIZ) at Zeppelin University Friedrichshafen. His main research interests are behavioral accounting, behavioral finance, and behavioral business ethics. He has published in internationally recognized journals like Management Accounting Research, International Journal of Physical Distribution and Logistics Management, or Appetite.
Research focus
- Behavioral Business Ethics
- Behavioral Management Accounting
- Behavioral Finance
Selected publications
- Hirsch, B., Reichert, B. E., & Sohn, M. (2017). The impact of clawback provisions on information processing and investment behaviour. Management Accounting Research (Forthcoming).
- Hirsch, B., Seubert, A., Sohn, M. (2015). Visualisation of data in management accounting reports: How supplementary graphs improve every-day management judgments. Journal of Applied Accounting Research, 16(2), 221-239.
- Sohn, M., Sohn, W., Klaas-Wissing, T., Hirsch, B. (2015). The influence of Corporate Social Performance on employer attractiveness in the transport and logistics industry: Insights from German junior talent. International Journal of Physical Distribution and Logistics Management, 45(5), 486-505.
- Schauß, J., Hirsch, B., Sohn, M. (2014). Functional fixation and the balanced scorecard: Adaption of BSC users' judgement processes. Journal of Accounting and Organizational Change, 10(4), 540-566.
- Schulte-Mecklenbeck, M., Sohn, M., De Bellis, E., Martin, N., & Hertwig, R. (2013). A lack of appetite for information and computation. Simple heuristics in food choice. Appetite, 71, 242-251.
Selected conference presentations
- Sohn, M., Klaas-Wissing, T. & Sohn, W. (2017). Corporate Social Performance and Sustainable Supplier Selection - A Behavior Analysis based on an Online Experiment with Senior Procurement Professionals. 14th CEMS Research Seminar on Supply Chain Management, Riezlern, Austria.
- Gibson, R., Sohn, M., Tanner, C., Wagner, A. (2017). Investing in managerial honesty. Conference of the American Economic Association, Chicago, USA.
- Gibson, R., Sohn, M., Tanner, C., Wagner, A. (2016). Investing in managerial honesty. European meeting of the Economic Science Association, Bergen, Norway.
- Gibson, R., Sohn, M., Tanner, C., Wagner, A. (2016). Investing in managerial honesty. 15th TIBER symposium on Psychology and Economics, Tilburg, Netherlands.
- Sohn, M., Hirsch, B. (2014). The use of judgment heuristics by novices and professionals in performance evaluation: A process perspective. 9th New Directions in Management Accounting Conference, Brussels, Belgium.
- Hirsch, B., Reichert, B. E., Sohn, M. (2014). Can Clawback Provisions in Management Incentive Contracts Backfire and Lead to More Risk Taking? Management Accounting Section Research and Case Conference, Orlando, USA.
- Hirsch, B., Reichert, B. E., Sohn, M. (2013). Can Clawback Provisions in Management Incentive Contracts Backfire and Lead to More Risk Taking? Accounting Behaviour and Organization Research Conference, San Diego, USA.
- Sohn, M., Schauß, J., Hirsch, B. (2013). Functional fixation and the balanced scorecard: Rigidity of BSC users' judgement processes. European Accounting Association 36th Annual Conference, Paris, France.
- Sohn, M., Schauß, J. (2012). Tracing Heuristics and Biases in Management Decision Making: Explaining the Common Measure Bias. Empirical Research in Managament Accounting and Control. Vienna, Austria.
- Schulte-Mecklenbeck, M., Sohn, M., de Bellis, E., Martin, N. & Hertwig, R. (2011). Fast and Frugal Heuristics in Food Choice [Poster], Subjective Probability, Utility and Decision Making Conference, Kingston, UK.


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Leighton O'Connor has five spots left to photograph the ONE Championship off of Marblehead Sunday. The weather is looking good with some wind in the forecast. Leighton reports that his Photo Safari of the Corinthian Classic went very well two weeks ago. They had lots of space on board the Sea Shuttle and 360° of unobstructed shooting. They managed to get very very close to the boats to get some great shots. We heard lunch was yummy too. For more information about this Sunday please check out Leighton's website: http://www.leightonsafaris.com/
Photo Safaris with Leighton O'Connor
World renowned regatta photographer Leighton O'Connor is finally going to do it. Leighton is going to show photo and sailing buffs how to photograph sailboat regattas the right way. Leighton has covered sailboat racing around the world including the America's Cup, Volvo Ocean Race, BVI Spring Regatta, St. Thomas Rolex Regatta, Newport Bucket Regatta, Marblehead Halifax Ocean Race, Newport to Bermuda and Key West Race Week to name a few.
Learn that right way to use auto focus while shooting a sailboat race. Leighton will also cover strong composition principles, ISO, shutter speed and aperture setting. But more importantly where to position yourself on the race course to get the best action shots. This will all take place on the 45ft power catamaran, Endeavour. A very stable and comfortable platform for shooting races. Endeavour will leave from Salem Willows Park Pier in Salem, MAs. Safaris will be limited to 15 photographers but a guest may join you for an additional fee of$50.
While Leighton provides instructions he will share stories about sailing and driving various sailboats such as Volvo 70, Gunboat, RC 44, Extreme 40 and sailing with well known skippers like Ken Reed and Russell Coutts. You will actually be photographing a real sailboat regatta. You may have the opportunity to photograph North Shore landmarks such as Marblehead Neck, Bakers Island and Hospital Point Light House if time permits. On the way back to the dock Leighton will provide photo critiques on a 42" flat screen TV.
Choose from three regattas to explore the world of sailboat photography with Leighton O'Connor.
2104 Photo Safaris
August 10th - 5th Annual Corinthian Classic - Marblehead, MA - Register
August 24th - ONE Championship - Marblehead, MA (Formerly PHRF New England) - Register
August 31st - 28th Annual Gloucester Schooner Festival Race - Gloucester, MA - Register
Hunt's Photo's & Video are sponsoring these Safaris. Hunt's will be raffling off a gift card on each Safari for $50.


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Bicycle, Sports shop!
Join Bicycle Sport Look For Women's Ride Day. Bring your road-bike, helmet and a grin. It is an excellent chance to ride in an easy-paced and friendly atmosphere followed closely by refreshments and an opportunity to socialize.
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Amicalola Home Plans
Showcasing the very best in rustic, mountain, and timber frame homes, Amicalola Home Plans' designs have won numerous awards and been featured in dozens of publications across the country. Whether you seek an eastern "Appalachian" style or a more western "Wrangler" style, we have the knowledge and experience to collaborate with you to create the exact home plan you and your family desire. Browse our rustic mountain house plan collections ranging from 500 Sq ft to over 6000 Sq Ft. All floorplans are ready for construction featuring fullset plan licensing ready for same day delivery upon purchase.


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I spent the two weeks (last week of February and first week of March) at Accenture's "Centre of Excellence" in KL. It was for the first (of many) and probably the most important brain-washing… err i mean training sessions. It is the session that all minions… err i mean analysts must attend. It gives everybody a full understanding of exactly how Accenture intends to do business. I honestly thought the course was excellent and really will help me in my work. But the training aside, the real memorable part of CAS is meeting all the people from Australia, Thailand, India, Japan, Korea, Malaysia, Singapore, China and probably others that I have forgotten.
We are divided into 3 classes of 30 students each and within those classes we are again divided into teams of 6 people with which you perform many apprentice-esque tasks. Its actually good fun especially since there's never really a wrong answer as long as you've got something to say (aka bullshit). My team is shown below and they were really great to work/play with.
We also had 3 great teachers, called faculty for the course. Dirk (Germany), Chrissy (Austalia) and Julia (UK – although she's really German):
After class ended each day there was almost a mad rush to get down to KL or just to do SOMETHING… drinking… shopping… eating… whatever it took to enjoy this paid holiday. 🙂 Something I personally learned that week was bhangra:


text: DevOps Specialist (Ansible, Docker, GIT, Jenkins), Linux, Azure, Terraform, Scrum, Agile, JIRA, ELK, REST, Development, Developer, Pairing, Mentoring, Training, PaaS, Cloud, Platform, Operations, Ops, Deploying, Deployed, Deploy,Our client based in London are recruiting for a DevOps Specialist. Day-to-day routine work on keeping a live environment up and running. No New PaaS infrastructure is planned to be built or deployed during this placement but may be needed if anything unforeseen occurs.An Ops specialist is required to maintain the current live platform during a temporary staff shortage. This involves:Maintaining a docker container environment running in a fully Linux environment.Using Ansible to make changesMaintaining and fault-finding the Jenkins build/deploy pipelinesWorking on any infrastructure requirements the dev team have to make sure the sprints are completed correctly.Documenting all work done, and committing any changes to scripts/infrastructure to our git repo.Knowledge sharing, pairing and teaching members of the team.Key Skills / ExperienceAnsibleDocker/Docker-ComposeGITJenkinsLinuxTeaching, pairing and mentoringAzureTerraformScrum experienceJIRA and Confluence experienceELKKnowledge of web services/REST, micro-services


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24 January 2019
A general overview and comparison of company law regimes in the British Virgin Islands, the Cayman Islands, Guernsey and Jersey
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