Sean Christopher Clay, 29, of Puritan Way, Boston. At Jubilee Avenue, Boston, without lawful excuse, damaged a window and uPVC door to the value of £200, belonging to another intending to destroy or damage such property or being reckless as to whether such property would be destroyed or damaged. Discharged conditionally for 12 months, £200 compensation, £85 costs.
Dermot Charles Foley, 50, of Holmes Road, Stickney. At Stickney, without lawful excuse, damaged a wing moirror of a Suzuki SX4 to the value of £182.59, belonging to another intending to destroy or damage such property or being reckless as to whether such property would be destroyed or damaged. £182.59 compensation.
Anthony Victor Turner, 44, of Ingelow Avenue, Boston. At New Hammond Beck Road, Boston, stole computer games to the value of £132 belonging to Tesco Stores. Discharged conditionally for 18 months, £15 victim surcharge, £85 costs.
Mark Anthony Himsworth, 34, of no fixed abode. At Skirbeck Road, Boston, stole joint of lamb to the value of £7 belonging to Co-op Stores. Discharged conditionally for six months, £7 compensation, £15 victim surcharge.
Jake Paul Skinner, 25, of Dennis Estate, Kirton. At Tesco, in Wyberton Fen, Boston, stole DVDs of a value unknown; at Hardwick Estate, Kirton, resisted a constable in the execution of his duty. Discharged conditionally for 12 months, £15 victim surcharge, £85 costs.
Erikas Bernotavicius, 29, of Church Road, Boston. At Boston, committed assault by beating. Discharged conditionally for six months, £15 victim surcharge, £40 costs.
Adam Fletcher, 25, of RAF Coningsby. At Coningsby, drove on Curtis Drive and Ash Road, after consuming so much alcohol that the proportion of it in breath equalled 67 microgrammes of alcohol in 100 millilitres of breath (legal limit 35). £600 fine, £60 victim surcharge, £620 costs, disqualified from driving for 18 months.
Daniel John Louth, 36, of Clarke Court, Wyberton. At Boston, in Pump Square, was guilty, while drunk, of disorderly behaviour. Discharged conditionally for 12 months, £15 victim surcharge, £85 costs.
Keith Lofthouse, 57, of East Fen Lane, Stickney. At Stickney, being the driver of a vehicle owing to the presence of which on West Fen Lane an accident occurred whereby damage was caused to another vehicle, failed to stop and on being required by a person having reasonable grounds for so requiring failed to give his name and address and the name and address of the owner and identification marks of the vehicle; at Stickney, being the driver of a vehicle owing to the presence of which on West Fen Lane, an accident occurred whereby damage was caused to another vehicle and not having given his name and address to a person having reasonable grounds for requiring him to do so failed to report the accident at a police station or to a constable as soon as was reasonably practicable or within 24 hours of the accident. £110 fine, £20 victim surcharge, £85 costs, licence endorsed with seven points.
Antony Teague, 45, of Lacey Lane, Leverton. At Nettleham, having been required by or on behalf of the Chief of Police for Lincolnshire, failed to give information relating to the identification of the driver of a vehicle who was alleged to have been guilty of an offence. £660 fine, £66 victim surcharge, £85 costs.
Brendon Dean Ardron, 22, of Cranberry Lane, Friskney. Two charges of speeding on the A52 Wainfleet Tofts, at Wainfleet St Mary; speeding on Fodderdyke Bank, at Midville. £35 fine, licence endorsed with three points; £75 fine, £20 victim surcharge, £85 costs, licence endorsed with five points; £35 fine, licence endorsed with three points.
Lukasz Gawrys, 36, of Sunflower Way, Boston. Speeding on the A16, at Kirton. £600 fine, £60 victim surcharge, £85 costs, disqualified from driving for 56 days.
John Greenfield, 49, of Liquorpond Street, Boston. Appeared before the court in order to make a statutory declaration following conviction for an offence of failing to provide information by Lincoln on January 28. Statutory declaration granted and offence reopened and adjourned to April 28 at 2pm.


text:
Title: Alternative Sources of Funding and Technical Assistance for State Courts
Author(s): L M Adams
Corporate Author: National Ctr for State Courts
Sponsoring Agency: National Ctr for State Courts
National Institute of Justice/
Document: PDF
Annotation: Alternative sources of funding and technical assistance for State courts are listed and briefly described.
Abstract: Funding and/or technical assistance for State courts are listed from eight types of sources: 1) Federal agency sources, 2) source materials, 3) LEAA-funded technical assistance projects, 4) National Center for State Courts--National Scope Projects, 5) the Criminal Courts Technical Assistance Project, 6) clearinghouses, 7) the National Directory of Court-Related Organizations, and 8) court-related publications. Federal fund sources for various court needs that are briefly described include the National Institute of Corrections, Economic Development Office of the Department of Commerce, the Office of Revenue Sharing of the Department of the Treasury, the National Science Foundation, and the National Institutes of Alcohol Abuse, Mental Health, and Drug Abuse. A detailed description is provided of the services and procedure for requesting assistance from the Criminal Courts Technical Assistance Project, which is a service arm of the Adjudication Division of LEAA's Office of Criminal Justice Programs and serves as a broad-based resource for all segments of the courts community. Organizational objectives and regional contacts are also provided for the National Juvenile Court Services Association. The addresses of 35 national organizations are listed under a national directory of court-related organizations.
Index Term(s): Funding sources; Reference materials; State courts
Note: Prepared for presentation at the Administrator Association of Special Courts, Lancaster (PA), March 19-20, 1980

redpajama_set_name: RedPajamaCommonCrawl


California (/ˌkælᵻˈfɔːrnjə/ KAL-ə-FORN-yə, /ˌkælᵻˈfɔːrniə/ KAL-ə-FAWR-nee-ə) is the most populous state in the United States.
OnePlus (Chinese: 一加科技; pinyin: Yījiā Kējì) is a Chinese smartphone manufacturer founded in December 2013. It is headquartered in Shenzhen, Guangdong, China.


A lot of people think of energy as a spiritual term, like the divine energy. It isn't necessarily that concept. It's something we create in our day-to-day activities. Positive Energy can be gained from anything we do with a positive mind and thought. Any activity which is good to others. It can be anything which makes you happy or others happy.
One thing which helps you in gaining positive energy is from Yoga. Yoga makes you strong and happy. It will free you from curiosity and bad thoughts. Below are Seven Books which helps you to gain more knowledge about positive energy.
The Energy Bus," an international best seller by Jon Gordon, and is all about 10 Rules to Fuel Your Life, Work, and Team with Positive Energy. It takes readers on an enlightening and inspiring ride that reveals 10 secrets for approaching life and work with the kind of positive, forward thinking that leads to true accomplishment – at work and at home. When you get on The Energy Bus you'll enjoy the ride of your life!
"Psychic Protection" offers practical ways to dispel the uncomfortable or hostile atmosphere that permeates difficult or unpleasant situations. Psychic Protection by William Bloom has a five star review on Amazon and is about Creating Positive Energies for People and Places.
Positive Energy by Judith Orloff gives you 10 Extraordinary Prescriptions for Transforming Fatigue, Stress, and Fear into Vibrance, Strength, and Love. Are you forever rushing through your day, fending off chronic exhaustion? Are you desperately overcommitted, afraid to say no? Do you want to feel well rested and ready to conquer each day with enthusiasm, but fall short time and time again? Then it's time you buy one of this book and start reading the prescription.
Patsy Rodenburg have given you all the details about How to Use Positive Energy for Success in Every Situation. Containing a wealth of insights that will break the habits that constrict your real power, The Second Circle helps you deal with the debilitating and manipulative behaviors of your immediate family, friends, and colleagues while bringing out their best qualities. It is also filled with easy-to-apply exercises (breathing, voice, posture).
This book by Jessica Cmbridge is a proven System to turn Negative Thinking into Positive Energy and create the Positive Energy you deserve. From what research have shown so far, positive thinking is found to help in managing stress and contributes to a person's general health and well-being.
In the chapters to come, you will know more about positive thinking – explaining what it really is, tackling misconceptions, beneficial effects, and ultimately, strategies on how to become a positive thinker. You will learn how to turn seemingly negative events into something advantageous to you.
This book is a Practical Guide to Performing a Space Clearing Ceremony in Your House, Office, or Business. Sylvia Brombin explains us that after performing a Space Clearing Ceremony you will live and work in a peaceful environment.
Dr. Orloff teaches that it's how we choose to respond to external events that determines our experience. Drawing from the fields of biology, psychology, and intuitive medicine, Dr. Orloff offers exercises, self-care techniques, and meditations that help transform fear into courage, disappointment into patience, and anger into compassion. "Achieving emotional freedom gives you access to your own power center during jubilant times and in adversity," teaches Orloff .
Check out these seven books that talks about positive energy and tell us which book inspired you the most.


text:
Since 1989, the ITI group cultivates its know-how in precision mechanics, constantly developing and perfecting its skills. With agility a constant aim, ITI has developed the ability to respond to any request, whatever the dimensions and the raw material, for any length of production run.
Continuous 5-axis milling
The ITI group has developed its specialisation in NC machining, turning and milling, cutting of pinions and gears, toothed pulleys, broaching, slotting and grinding on all types of materials:
To provide all these services, ITI has specialised in continuous 5-axis milling. It has combined this specific know-how in fields specific to its customers' needs with a command of CAD/CAM software to achieve the capacity to produce complex, highly worked parts. The group has also specialised in machining forgings and mechanically-welded assemblies.


text:
13 February 2020 Έναρξη
13 February 2020 Λήξη
7.00 p.m. Ώρα
UK Badminton School, Peace Memorial Hall, Bristol
e-mail.: [email protected] (Barbara Bell)
All talks will be held at Badminton School, Peace Memorial Hall.
03 02 '20 13:26
Virtual Rome: A Digital Model of the Ancient City
Professor Matthew Nicholls will talk about 'Virtual Rome: A Digital Model of the Ancient City'. This is the second Bristol Classical Association lecture of 2019/20.
Professor Nicholls has spent several years creating a large-scale digital model of ancient Rome, for use in his teaching and research at Reading and Oxford universities. He has also worked with broadcasters and computer games companies, and produced a five-week free online course ('MOOC') based on the model which over 30,000 people have now taken. This talk will look at how Matthew made this model, what evidence it is based on, and some of the uses to which it has been put. Everyone is welcome to attend the talk although it may be particularly relevant to those teaching or studying the city of Rome.
All talks will be held at Badminton School, Peace Memorial Hall. Please email Barbara Bell ([email protected]) to register your interest. There are no tickets, and talks are free for paying Bristol Classical Association members, students, and school pupils. There will be a cost of £5 for visitors. Refreshments available from 6.30pm.
Fish, shellfish and fishermen in Prehistoric Aegean
Charioteers in the sanctuary of Poseidon at Onchestos
Public sculpture that illustrates a colonial regime


WR puts forth proposal to Railway Board; Rs 1,000 would be the minimum penalty, while the maximum would be decided as per a formula used to calculate fines.
Railway commuters may have to pay a fine of Rs 1,000 fine for travelling without a ticket if Western Railway's (WR) proposal to the Railway Board is accepted.
The topic of increased fine amounts was discussed at length when Ashwani Lohani, chairman of the Railway Board, met officials from Central and Western Railway, during his visit to Mumbai last week. "He assured [us] that he would take it into consideration and look at how it can be implemented," said a senior WR official who did not want to be named. Lohani also asked the officials to submit a formal proposal to revise the fine structure, to the Railway Board.
The Railway Board governs the railway network in India.
As per the proposal submitted by WR on Monday, the minimum penalty for ticketless travel would be Rs 1,000 while the maximum penalty would be decided as per the formula currently used to calculate fines (based on the distance a passenger has travelled without a ticket and the fare of the entire journey of the train in which they're caught).
The proposal also suggests authorising ticket checkers (TCs) to fine trespassers who cross tracks, and giving TCs hand-held devices to process fines.
At present, the minimum fine for ticketless passengers is Rs 250 and the maximum ranges between Rs 350 and Rs 500 if one is found travelling without a ticket in a first class compartment. Approximately 2,500 people are detained daily in Mumbai, for travelling without tickets. On a monthly basis, Mumbai Suburban Railway collects Rs 15 crore from these fines.
WR's officials say the steep increase in fine would both act as a deterrent and earn the railways more revenue. "The increase of fine is right as the Railways have not increased the fare and is very reasonable. Commuters should not travel without ticket and with the fine increase people will buy tickets," said Lata Argade, vice president, Railway Pravasi Mahasangh.
Passenger associations, however, have mixed reactions to the proposal. "There are very few passengers who travel without ticket and increasing the fine to Rs 1,000 from Rs 250 will only increase corruption. People will bribe the ticket checkers and get away with it easily," said Subhash Gupta, president, Rail Yatri Parishad.


It can be hard to find an affordable, reliable used car with manageable financing. Luckily at Buy Here Pay Here Fort Lauderdale, you can find a good selection of vehicles that will suit both your transportation needs and your budget. Read on to learn more.
No matter what kind of credit rating you have, you still need transportation to meet the needs of your daily life. Modern buy here pay here (BHPH) financing is designed to help people with less than perfect credit get the transportation they need.
BHPH financing is private financing that is handled directly through the dealer without the involvement of a bank or major lender. Your BHPH dealer will assess your ability to repay and offer you a selection of cars that will suit your needs and your financial abilities.
When you purchase a previously owned vehicle through a BHPH lot, your financing will be set up in a way that is uniquely workable for you. Your payment plan will reflect your salary schedule and your income. You can count on your Buy Here Pay Here Fort Lauderdale to provide you with financing that will work perfectly for you.
This is possible because your BHPH dealer will take the time to look over your finances carefully. You will work together to create a payment plan that is truly workable for you. Depending on your paydays, you may make your car payments once a week, twice a month or monthly. Usually, you will make your payments in person and in cash. Sometimes, you can pay online or by direct draw from your checking or savings account. Paying on time is essential.
When you pay your BHPH loan promptly and fully, you are taking a major step toward rebuilding your credit rating. That's why it's important that you review your contract with your BHPH agent and make sure you understand exactly what you need to do.


text:
Q: jQuery slick.js carousel: add items w/o changing current element I'm using slick carousel http://kenwheeler.github.io/slick/.
I have carousel with too many items in it. I want to load it partially in a background mode. I use example code to add new items:
$('.add-remove').slick('slickAdd','
slide
', index);

When I load "next" items it works fine, but the problem is to load "previous" items. For example, if current slide index is 10 and I load items on 0 position, carousel will scroll to new item with 10 index. But I need "silent mode" for AJAX requests w/o changing carousel position when I am adding new items.
How can I block slick carousel from changing position?

A: You can't block changing position, but you can set the position without any animation.

*

*Add new items on `afterChange` event

*When you add new items to carousel, use `$('.add-remove').slick('slickGoTo', currentSlide, true);`

*Calculate `currentSlide` as index of current slide after all new items added

redpajama_set_name: RedPajamaStackExchange


The WriteSample method is recording data for the first call only and is failing to record data for the subsequent calls. Not sure if it is a bug or a flaw in our logic. Could you please provide us a detailed working example?
Samples are automatically timestamped when you call WriteSample (they are presumed to reflect the value at that time). When we display them in the UI they are typically aggregated to a time interval - like 15 seconds. So, you aren't typically seeing each raw sample. Therefore, if you write several samples very close together they will show on a chart as a single sample.
This re sampling of data for display is an important feature to make sure metrics can be meaningfully compared. Consider tracking the average duration of an operation - if you display it over 15 seconds but there is a sample twice a second it needs to determine what combined sample value would be if it had been sampled at the slower interval. That way as you increase the sampling period in the display it smooths out short term aberrations.


text:
London Ethics & Compliance ForumEthisphere2019-10-02T18:41:18-04:00
London Ethics & Compliance Forum
Leading and furthering ethics, compliance and integrity across companies and business leaders operating throughout Europe
London | October 2nd, 2019
Connect Locally, Inspire Globally
The London Ethics & Compliance Forum is a one-day event bringing together diverse company leaders to address the issues largely impacting corporate integrity today.
A faculty comprised of some of the most reputable multinational and regional company business executives, GCs, Chief Compliance Officers, Law Firm Partners, and other business insiders will share practical solutions, cutting edge practices and offer new insights on ethics and compliance across Europe and around the world.
Join us for discerning conversations and enriched networking opportunities with forward thinking industry leaders as they address hot topics including anti-corruption, manager effectiveness, cybersecurity, artificial intelligence, ethical company culture and much more.
Check-In and Networking Breakfast
Welcoming Remarks
Opening Plenary | Increasing Manager Effectiveness and Employee Engagement to Bolster Ethics & Compliance
Stefan Linssen, Executive Vice President, Global Partnerships; Chief Content Officer, Ethisphere
Frida Berlin, Ethics & Compliance Program Manager, Getinge
Rosamund Browne, Sr. Counsel, EMEA Employment Law Lead & UK Compliance Officer, Infosys
Jennifer Teerdhala. Director, Ethics & Compliance Programs, The Coca-Cola Company
Matthijs Veenema, Global Business Conduct Director, Eastman Chemical Company
Session 1 | Evaluating Cybersecurity Gaps Across the Value Chain
Pamela Passman, Vice Chair, Ethisphere
Rachel Armstrong, Global Legal Lead – Security Services, Accenture
Mark Bannon, Head of Cyber, UK, AIG
Paul Ryan, Chief Security Officer, Dell Financial Services
Morning Networking Break
Session 2 | Third Party Risk Management: Influencing Better Practices Across Global Relationships
Nicola Mollat, Senior Manager, EY Forensic & Integrity Services, UK
Svatava Sprague, Senior Attorney, Regional Compliance Director – Western Europe, France, Germany, Microsoft Corporation
Yim Woodman, Sr. Manager – Ethics & Compliance, Cummins
Networking Lunch
Session 3 | Evolving Compliance Program Structure to Accommodate for Global Changes
Jim Walton, Ethics & Compliance Advisor, LRN
Claire Handley, Chief Ethics & Compliance Officer, JLL
Germaine Huka, Head of Ethics and Integrity for Europe and Operations, LivaNova
Tosin Umukoro, Compliance Officer, Stryker
Session 4 | Cross-Jurisdictional Anti-Corruption and Effective Investigation Practice
Saqib Alam, Of Counsel, Morrison & Foerster
Gareth John, European Director of Legal Affairs, Sodexo
Femi Thomas, Vice President & Global Head of E&C Business Integrity, Nokia
Lisette van Eenennaam, Chief Integrity Officer, ABB
Michael Zimmern, Principal, Forensics – EMEA, Control Risks
Session 5 | Ethics in the Digital Evolution: The Promise and the Peril of A.I. and Machine Learning
Emily Rickaby, Global Resources Manager-BELA, Ethisphere
Rodrigo Cuna, Global Director for Ethics & Compliance, AB InBev
Pete Davies, Senior Manager, EY Forensic & Integrity Services, UK
Julia Makra, Global Head, Privacy Compliance, Standard Chartered Bank
Sebastian Scheidt, Head of Compliance, Deutsche Telekom
Afternoon Networking Break
Closing Plenary | Compliance Program Technology: Technology-Enabled and Data-Enabled Solutions
Alan Gibson, Associate General Counsel, Office of Legal Compliance, Microsoft Corporation
Thomas Pfennig, Global Head of Compliance & Data Privacy, Bayer AG
Networking Reception
Interested in speaking at the upcoming event? Contact us today!
Thomas Pfennig
SVP, Global Head of Compliance & Data Privacy, Bayer AG
Effective August 1, 2019, Tom Pfennig assumed the SVP role of Global Head of Compliance & Data Privacy for Bayer AG. Since January 1, 2016, he had served as Head of Compliance at Bayer AG. In his function, he is overseeing all legal compliance activities within Bayer's divisions and corporate functions globally. This includes coordinating the Integrated Compliance Management (ICM) advising on legal Compliance topics, including industry codes, laws and public regulations as well as company directives.
Mr. Pfennig joined Bayer in 2004. He worked as Legal Counsel in Bayer AG´s and Bayer Corporation´s Litigation departments from 2004 to 2009. In 2010, he became Senior Legal Counsel Women's HealthCare at Bayer HealthCare Pharmaceuticals Inc. He returned to Germany in 2012 and assumed the global responsibility for Investigations and Reporting at Bayer AG´s Compliance function. From 2013 until 2015, he was Head of Legal Product Supply at Bayer HealthCare AG. Prior to joining Bayer, Mr. Pfennig worked at BMW of North America LLC and AT&T Broadband in the US.
Mr. Pfennig completed his legal studies at the University of Bonn/Germany and thereafter graduated from the University of Denver Law School with a Master in American and Comparative Law. He attended Graduate Business Management Programs at the University of Pittsburgh Katz School of Business and Oxford University Said Business School. Mr. Pfennig is admitted to the German Bar and the New York Bar.
Rosamund Browne
Senior Counsel, EMEA Employment Law Lead & UK Compliance Officer, Infosys
Rosamund Browne, Senior Counsel, EMEA Employment Law Lead & UK Compliance Officer, Infosys
Rosamund Browne (nee Cresswell) is a qualified lawyer admitted to practice in England & Wales, Hong Kong and Ireland with over 18 years of international experience. Rosamund advises in a general counsel role on employment law (both contentious and non-contentious), regulatory and compliance, corporate governance, data privacy and commercial law issues on a global basis. Her multi-jurisdictional and international cross border experience includes, in particular, Europe, Middle East and Africa, Asia Pacific and Latin America. Rosamund has extensive and genuine experience of a wide variety of sectors, in particular, technology, multi-media, logistics and aerospace, financial institutions and professional service firms (especially legal and accountancy firms). Rosamund also has significant management experience, having established and led a number of teams in both Asia Pacific and Europe. Rosamund was awarded the Association of Corporate Counsel European in house individual employment counsel award in 2016. Rosamund's team was also nominated for the Association of Corporate Counsel Asia Pacific in house employment and litigation team award in 2011.
Femi Thomas
Vice President & Global Head of E&C Business Integrity, Nokia
Pamela Passman
Vice Chair, Ethisphere
Pamela Passman is Vice Chair of the Ethisphere Institute, and founder and President of the Center for Responsible Enterprise and Trade (CREATe.org), distinct entities with a common mission to promote leading practices to manage key governance, compliance and risks for companies and their global supply chains. CREATe.org's effective approach to helping companies measure internal capabilities and manage risk led to the spin-off and sale of its services subsidiary, CREATe Compliance Inc., to another industry leader, the Ethisphere Institute.
Passman speaks and writes on enterprise risk management, data protection, cybersecurity, intellectual property, anti-corruption, and doing business in Asia.
Prior to founding CREATe.org in October 2011 and CREATe Compliance in 2016, Passman was the Corporate Vice President and Deputy General Counsel, Global Corporate and Regulatory Affairs, Microsoft Corporation. From 2002 to 2011, Passman led Microsoft's regulatory compliance work across a range of issues, including privacy, security, law enforcement, telecommunications and other issues related to cloud computing. Passman also led Microsoft's global government relations and public policy work and philanthropic programs and had leadership responsibilities for its cross-company global corporate citizenship efforts.
She first joined Microsoft in 1996 and until 2002 led the Legal and Corporate Affairs organization in Asia, based in Tokyo, with a focus on Japan, Korea and the People's Republic of China. Prior to joining Microsoft, Ms. Passman practiced law with Covington & Burling in Washington, D.C. and Nagashima & Ohno in Tokyo, Japan.
Ms. Passman serves on the Board of Kinaxis Inc., a Toronto-listed SAAS supply chain management company, and served on the Board of IO, a data center infrastructure/cloud computing company that was sold to Iron Mountain in 2018.
She currently serves on the Board and as Treasurer of Kids in Need of Defense (KIND), and as a Trustee of Lafayette College. She is a member of the Council on Foreign Relations and serves on its Nominating and Governance Committee.
Ms. Passman is a graduate of Lafayette College and the University of Virginia School of Law. She was a Thomas J. Watson Foundation Fellow in Japan
Assistant General Counsel, Office of Legal Compliance, Microsoft Corporation
Alan Gibson, Assistant General Counsel, Office of Legal Compliance, Microsoft Corporation
Alan Gibson is an Assistant General Counsel in Microsoft's Office of Legal Compliance. He leads Microsoft's strategy for using advanced statistics, machine learning, and artificial intelligence to proactively manage its compliance risks with a focus on corruption. During his 15 years at Microsoft, he has served in legal and business roles including supporting sales, marketing, and product teams, business development, and commercial operations. Before joining Microsoft, Alan was an associate at Orrick, Herrington & Sutcliffe where he focused on corporate finance, securities, and M&A.
Alan received his B.A. from Whitman College, and J.D. and M.B.A. from Seattle University.
Gareth John
European Director of Legal Affairs, Sodexo
Gareth is European Director of Legal Affairs for Sodexo, based in London and responsible for the management of the organisation's corporate governance and legal affairs in the UK&I, Central Europe, Nordics, Russia and Med regions. Gareth is also Chair of Sodexo's STOP Hunger Foundation. Gareth is a qualified solicitor in England & Wales with over 25 years' qualified experience in private practice and in the IT, transport and business services industries. He is also a qualified and experienced executive coach (Certified Professional Coactive Coach) and a member of the International Coaching Federation.
Previously, Gareth was the Director of Legal and Compliance at Transport for London for 3 years and before that, 8 years with Hewlett-Packard as Head of Legal UK & Ireland and managing lawyers and projects in EMEA and the US.
Jennifer Teerdhala
Director, Ethics & Compliance Programs, The Coca-Cola Company
Jennifer Teerdhala, Director, Ethics & Compliance Programs, The Coca-Cola Company
Jennifer Teerdhala has worked at The Coca-Cola Company for over 18 years. In her current role as Director of Compliance in the Ethics & Compliance Office, she oversees the Company's Code of Business Conduct policy and related programs, including compliance technology, reporting, and risk assessments. In her previous role in Internal Audit, Jennifer moved from a traditional audit role to a COBC Manager. During this time, she implemented a new approach to anti-bribery audits around the globe utilizing customized analytics that addressed internal and external risks and concerns. Jennifer is an experienced investigator and has led some of the Company's most sensitive internal investigations. She also routinely used data analytics in the investigative process, as well as for routine fraud monitoring of financial transactions in areas such as travel &entertainment, procure to pay, and purchase card. Prior to joining The Coca-Cola Company, Jennifer developed a strong foundation in Finance through her experience at PricewaterhouseCoopers and Georgia Pacific. She holds the CPA, CCEP, CFE, CIPM, and CISA certifications.
Global Ethics & Legal Director, AB Inbev
Rodrigo Cunha, Global Ethics & Legal Director, AB Inbev
Rodrigo Cunha is a Global Ethics & Legal Director at AB Inbev. Currently based in Belgium, he has driven the company's worldwide compliance agenda in topics such as Antitrust, Sanctions, Anti-Corruption and Data Privacy, Digital Ethics as well as compliance projects involving data analytics.
He also has experience in Corporate Law and M&A, having recently dealt with African corporate legal aspects of the transaction between AB Inbev and SABMiller and with the combination of the company's businesses in Russia and Ukraine with Anadolu Efes'.
Yim Wooodman
Senior Manager, Ethics and Compliance, Cummins Inc.
Yim Woodman, Senior Manager, Ethics and Compliance, Cummins Inc.
Yim Woodman has been with Cummins since 2004 and held several roles in commercial, strategy, channel development and channel management areas in various business units. Yim's background in management of third parties led her to join Cummins corporate Ethics and Compliance team in late 2016 to develop global third-party compliance program. Since then Yim's efforts has been focusing in developing global JV compliance program and leading ethics and compliance strategy in Europe. Yim holds MSc in Marketing (International Program) from EDHEC University, France and a bachelor's in Economics (International Program) from Thammasat University, Thailand. She is based in London, UK.
Saqib Alam
Of Counsel, Morrison & Foerster
Saqib Alam is of counsel in Morrison & Foerster's London office specializing in regulatory compliance and investigations, and white collar crime. He has carried out compliance investigations in more than 30 countries around the world and has represented clients before prosecuting agencies in the United States, United Kingdom, Brazil, Germany, India and Singapore. Mr. Alam is admitted in New York, England and Singapore.
Mr. Alam advises companies with global operations on compliance investigations and US and UK regulatory enforcement matters. Based in London for the last decade, he has investigated alleged bribery, money laundering, antitrust violations, sanctions violations and fraud across Europe, the Asia-Pacific, Africa, the Middle East and South America. Mr. Alam regularly advises companies facing concurrent regulatory investigations in numerous countries and has experience reaching coordinated resolutions with multiple regulators in such investigations. He also advises clients how to investigate and resolve whistleblower claims.
Mr. Alam has also represented clients in complex commercial litigation matters in the English Commercial Court and New York Courts. He also advises clients on cross-border litigation strategy and helps them navigate contentious matters in unfamiliar jurisdictions. His litigation experience spans a broad range of industries and geographies, with a particular focus on South-East Asia and India.
Mr. Alam graduated from King's College, University of London, with First Class Honours in Law in 2006. From 2007 – 2008, he served as a Justice's Law Clerk in the Supreme Court of Singapore and later as an Assistant Registrar in the High Court of Singapore.
Mr. Alam is a regular speaker on anti-bribery compliance issues in Asia.
Michael Zimmern
Principal, Forensics – EMEA, Control Risks
Michael Zimmern, Principal, Forensics - EMEA, Control Risks
Michael leads the forensic accounting practice for Control Risks in Europe and Africa. As a qualified chartered accountant with 15 years experience in investigations, disputes and compliance engagements, Michael advises on clients on regulatory, reputational and financial issues. He has performed investigations and compliance work in the UK, Europe, the Middle East, India and Africa (including South Africa, Nigeria, Kenya, Ivory Coast, Ghana, Tanzania, Ethiopia and Angola) and has extensive experience supporting clients with issues in emerging markets.
Lisette van Eenennaam
Chief Integrity Officer, ABB
Lisette van Eenennaam is ABB's Group Chief Integrity Officer, a pioneering technology leader in the fields of robotics, power and automation.
In her position she is responsible for ABB's global integrity program & ABB's "zero tolerance" anti-corruption program.
Lisette has been active in the integrity community and corporate investigations most of her professional life, with a focus on multi-jurisdictional investigations, specializing in (foreign) bribery and corruption regulatory requirements for multinationals.
JIn an environment of increased regulation and enforcement it makes sense for a company to invest in a positive ethical culture. Not only does this provide its employees with a good and safe work environment they can be proud of, it also brings a certain level of quality to its customers around the world.
Sebastian Scheidt
Compliance Officer, Deutsche Telekom AG
Sebastian Scheidt, Compliance Officer, Deutsche Telekom AG
Sebastian Scheidt, Degreed Engineer (electrical engineering, focus on telecommunications), born on July 25, 1971, currently head of "Compliance Telekom Germany" within the compliance department of Deutsche Telekom AG has been working with Deutsche Telekom since October 1996.
During this time, he took over various positions and (management) responsibilities within strategic (e.g. technology strategy or IT strategy), administrative (e.g. board member support to the CEO) as well as within operative areas (e.g. product management of mobility services).
From end of 2008 on he was heavily engaged in the buildup of the new installed board member area responsible for data privacy, legal and compliance (DRC) heading the board member support DRC.
Three years later – September 2011 – he took over the responsibility for strategy and reporting of the centralized Compliance Department of Deutsche Telekom in Bonn. Since September 2017 he has been Compliance Officer of Deutsche Telekom's business in Germany and on top of that has been responsible for the case management as well as for compliance audits.
Claire Handley
Chief Ethics & Compliance Officer, JLL
Jim Walton
Ethics & Compliance Advisor, LRN
Jim Walton is a member of LRN's Ethics & Compliance Advisory Services Team – with over 35 years of professional experience in corporate, institutional, and government settings, spanning the fields of ethics and compliance; environment, health, and safety; and energy management.
Since 2002, Jim has been passionately dedicated to corporate ethics and compliance – designing, developing, implementing, and enhancing constantly-evolving, comprehensive, best-in-class, global ethics and compliance programs. Jim has extensive experience in writing, producing, and communicating codes of conduct and corporate policies; designing, managing, and implementing ethics & compliance risk assessments; implementing anti-corruption and bribery initiatives; conducting third party due diligence reviews; and helping managers at all levels become better ethical leaders.
Jim is a Certified Compliance and Ethics Professional.
Svatava Sprague
Senior Attorney, Regional Compliance Director – Western Europe, France, Germany, Microsoft Corporation
Svatava is Microsoft Regional Compliance Director in Western Europe. Her role is to provide legal oversight over internal investigations in the region and to co-ordinate with local and headquarters stakeholders on a number of aspects of Microsoft's global compliance program, including anti-bribery & corruption and third party risk management. Prior to Microsoft Svatava was in private practice at international law firm Norton Rose Fulbright, where she gathered broad experience in advising global companies on risk management and compliance strategies.
Nicola's experience is that the most successful third-party risk management programmes are moving away from a "tick box" approach which looks at individual regulatory compliance risks in isolation to a holistic approach which considers insights gained from organisational data to protect the organisation's reputation and deliver real commercial value.
Nicola Mollat
Senior Manager, EY Forensic & Integrity Services, UK
An Assistant Director in EY's Forensic & Integrity Services practice, Nicola helps clients to understand the risks presented by the people and organisations that they work with and develop an appropriate response. She has advised a range of clients globally, from mid-size UK companies just starting to embed a third-party risk programme to heavily regulated life sciences multinationals and financial services institutions with extensive compliance regimes.
Mark Bannon
Head of Cyber, U.K., AIG
Mark Bannon, Head of Cyber, U.K., AIG
Mark Bannon is the Head of Cyber at AIG U.K. Previously, he was the Head of Cyber Liability for Europe, Middle East, and Africa at Zurich, Commercial Insurance U.K. At AIG U.K. he is responsible for leading and developing the Cyber and Technology Professional Indemnity risk underwriting practice.
The AIG U.K. cyber & technology professional indemnity underwriting practice provides risk underwriting solutions to assist businesses protect computer networks while helping to reduce the risk of a cyber incident and, more importantly, supporting businesses regain their normal operational capability following a cyber incident loss. Additionally, the practice underwrites contractual professional negligence of IT companies for alleged breach of contract or, failure in their IT products and IT professional services.
He is an active participant to various insurance industry representative bodies, think-tanks and national security agencies collaboration efforts to enhance industries and national economic resilience to cyber related incidents and events.
Rachel Armstrong
Global Legal Lead – Security Services, Accenture
Rachel is the Global Legal Lead for Accenture Security. She and her team advise the business on Go To Market strategy for new services & offerings, undertaking risk reviews and devising risk mitigation strategy in collaboration with a range of stakeholders, to enable Accenture Security to assist clients across all industry sectors with their end to end to Security needs. She also provides the business with strategic advice around it's V&A activities and supports the newly acquired businesses as they integrate into Accenture. She has been at Accenture for 14 years and prior to that was an associate in the Technology Law department at CMS Cameron McKenna.
Accenture Security helps organizations build resilience from the inside out, so they can confidently focus on innovation and growth. Leveraging its global network of cybersecurity labs, deep industry understanding across client value chains and services that span the security lifecycle, Accenture protects organization's valuable assets, end-to-end. With services that include strategy and risk management, cyber defense, digital identity, application security and managed security, Accenture enables businesses around the world to defend against known sophisticated threats, and the unknown.
Chief Security Officer, Dell Financial Services
Paul is an experienced security executive with 20 years of experience in cyber defence operations, architecture and strategy ranging from start-ups to global financial services organizations. He currently serves as Chief Security Officer for Dell Financial Services and Deputy head of Security and Resiliency operations for Dell in EMEA.
Prior to Dell, Paul served as the CISO with Ulster Bank (RBS Group) in Ireland, where he led the enterprise security program. He was also Head of Cyber Security Strategy for a leading consulting firm and during that time helped many organizations to transform their cyber security strategies against a backdrop of evolving threat landscapes and regulatory regimes.
Paul has been an active part of the security community for over two decades sharing his ideas and though leadership at security events globally. He recently completed a postgraduate diploma in executive leadership and also holds CISSP, CISM, CRISC and CGEIT certifications.
Tosin Umukoro
Compliance Officer, UK and Ireland, Stryker Corporation
Tosin Umukoro, Compliance Officer, UK and Ireland, Stryker Corporation
In her current role of Compliance Officer UK and Ireland, Tosin is responsible for leadership and oversight of Stryker's effective compliance program. Tosin has recently focussed on maintaining an effective and scalable compliance program while addressing the needs of stakeholders across the varied functions within her region.
Tosin has has fifteen years' experience in the Medical Technology industry and currently serves as the Vice Chair of the Legal and Compliance Committee of the Association of British Healthcare Industries.
Prior to her current role, Tosin has held a variety of roles within Stryker, including Clinical Research Manager and Clinical Operations Manager for Stryker's European Operations and continues to act as subject matter expert for compliance issues related to clinical research and research and development in Europe.
Tosin holds an undergraduate degree in Biochemistry from the University of Manchester, as well as a Master's in Clinical Research from Cranfield University. Tosin is a Certified Ethics and Compliance Professional (Society of Corporate and Compliance Ethics) and has a Certificate in Healthcare Compliance Ethics & Regulation (Science Po/Seton Hall).
Germaine Huka
Head of Ethics and Integrity for Europe and Operations LivaNova
Germaine Huka, Head of Ethics and Integrity for Europe and Operations LivaNova
As Head of Ethics and Integrity for Europe at global medical device manufacturer LivaNova, Germaine is responsible for the implementation and oversite of the Ethics and Integrity program in her region. This includes the regulation of interactions with healthcare professionals and other external stakeholders, investigations, fraud and operations and supplier risk.
Germaine is a lawyer by background and qualified as a solicitor in 2009 specialising in litigation and dispute resolution. She worked with one of London's largest international law firms before shifting to the Ethics and Integrity area.
Before joining LivaNova, she made the move in-house as Senior Counsel in the compliance function at BAE Systems, one of the world's largest defence and aerospace companies (ranking 3 in 2017).
Germaine is currently working to overhaul the existing compliance program at LivaNova using her knowledge of behavioural economics to maximize the impact and effectiveness of the program through the use of nudge theory and other psychology tools.
Julia Makra
Global Head, Privacy Compliance, Standard Chartered Bank
Pete Davies
Frida Berlin
Ethics & Compliance Program Manager, Getinge
Frida Berlin has 10 years' experience from working in ethics & compliance and an advocate for ethics & compliance empowering leadership, strengthening a culture of business ethics. She joined Getinge, a global healthcare company with Swedish origin, in February 2019 as the Ethics & Compliance Program Manager with responsibility for developing, implementing and maintaining an effective ethics & compliance program on a global basis within the company.
Matthijs Veenema
Global Business Conduct Director, Eastman Chemical Company
Matthijs Veenema has been the Global Business Conduct Director at Eastman since July 2015, is a member of the EMEA Leadership Team, member of the Safety Council, Data Privacy Council, Catalyst (diversity and inclusion, focusing on gender equality), Environment Social & Governance Council, Facilitator of Leadership trainings, mentor, and master coach./h3>
Prior to 2015, Matthijs spent 10 years at Oracle as manager and in project leader positions, with responsibilities including: corporate house holding, mergers & acquisitions, commercial legal counseling, and compliance & ethics.
Prior to 2005 he was the Manager of the sports canteen of the sports building at Erasmus University Rotterdam (SSVR) where responsibilities included procurement, sales, salaries, hiring.
Stefan Linssen
Executive Vice President, Global Partnerships and Chief Content Officer, Ethisphere
Stefan Linssen Executive Vice President, Global Partnerships and Chief Content Officer, Ethisphere
Stefan Linssen is the EVP of Global Partnerships and Chief Content Officer at the Ethisphere Institute and is responsible for setting the direction of Ethisphere's global media platforms, which include Ethisphere's publications, Ethisphere Magazine and Ethics Summits held in key cities across North America, Europe, Latin America and Asia, and other domestic and global platforms which provide opportunities for senior executives of multinational companies to connect with and learn from one another, as well as to share tools and resources to enhance and expand their ethics, legal and governance programs.
Prior to working at Ethisphere, Mr. Linssen held roles in various journalism and public relations fields. Mr. Linssen graduated from the Walter Cronkite School of Journalism and Mass Communication at Arizona State University.
Emily Rickaby
Global Resources Manager, Business Ethics Leadership Alliance (BELA), Ethisphere
Emily Rickaby, Global Resources Manager, Business Ethics Leadership Alliance (BELA), Ethisphere
Emily Rickaby is the Global Resources Manager for the Business Ethics Leadership Alliance (BELA) at Ethisphere. In her role, she works with Ethisphere's data and analytics team, members of the BELA community and other compliance and ethics professionals to curate and publish relevant content resources and enhance the BELA member hub experience in support of the BELA member community.
Emily has expertise in content development and instructional design in both the legal and corporate fields. Prior to joining Ethisphere, Emily worked for 8 years at Thomson Reuters in a Senior Content Development role for the West LegalEdcenter product. She also worked as a learning and development consultant for Wells Fargo and GE.
She holds a Bachelor of Arts degree in Education and a Master of Arts in Instructional Technology from the University of St. Thomas and a Juris Doctor from Mitchel Hamline Law School.
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"Tonight has not sunken even begun to in yet. It probably won't for a week" said an exuberant Miranda. "I can't believe that this is my job. I got a picture with George Strait and Garth Brooks, I hung out with Trisha Yearwood and practically stalked Faith Hill, it was a great night," she laughed.
With the June 3 release of her new album, Platinum, now less than two months away, Miranda is eager for fans to hear the album, which features several guest artists. As previously announced, Carrie Underwood joins on "Somethin' Bad," a song written by Chris DeStefano, Brett James and Priscilla Renea.
Platinum will be released June 3 and can be preordered now on iTunes right now!
And now something fun with Miranda and Keith Urban from last night.
Everyone asks "what exactly do you do Jessica?" What some of my family members say, "she tweets for a living" is my favorite, but really the title that puts food on the table is "Social Media Influencer," the definition sounds simple, someone who influences others through social media, but I consider myself a Citizen Journalist broadcasting and entertaining with news, thoughts, opinions, delivering information in my own unique way. Famous for my 'sass wit and straight from the hip' style I've always been called a "Social Media Pioneer" in the music industry. I'm also an On-Air/Online Broadcasting Host and Personality, Digital Media Strategist, Country and Music Blogger/Journalist as well as a Nationally recognized Speaker and Founder of Country Music Chat, News and Views Entertainment Website CMChatLIVE.com. My favorite accomplishment is starting the largest Country Music Hashtag community in the world Country Music's #CMChat. It all started with a hunch...back in the early 2000's I would dial up the internet via AOL and join chat rooms whilst watching my favorite programs on TV. Loved watching Reality Shows with my Mom in Tucson, and blowing her mind with how I always knew who was going home on the Bachelor or Big Brother. Don't think she ever caught on that I was talking to people via computer on the East Coast, where it had already aired. (We didn't have the uber-spoiler Twitter or Facebook to ruin results and awards shows for us yet.) I've been taking over the internet, one tweet at a time and have accumulated over 3 Million followers/friends/fans across all my Social Media networks. Over the years I've been consistently ranked as an influential online personality and even named as a Forbes Top 50 Social Media Power Influencer. I was the first person Merle Haggard followed when he got on Twitter and spent the day with Garth Brooks at Twitter and Facebook when joined the social media world.


Which money management, banking, and personal finance trends will we see throughout 2016 and into 2017 and beyond? Over the next 24 months, in addition to a new president, we will likely see higher interest rates and the rise of mobile banking. The key to help your financial goals move along nicely in the New Year is the ability to understand economic changes before they happen and adjust accordingly so that you are able to maximize your savings and investments.
In December 2015 the Federal Reserve raised interest rates for the first time in many years. This interest rate hike can and will impact your life. Are you going to use this interest rate hike to your advantage? With the Fed having direct control of short term interest rates, we can likely expect the long term interest rates to rise also.
With the expectation and anticipation of rising rates over the next decade, we can also expect and brace ourselves for rising costs in homes and vehicles. Rising costs of homes and cars is something we might not want to look forward to, but we can plan accordingly for this type of economic situation. Also, with rising home and automobile costs, come some advantages as well. For instance, higher interest rates can translate to higher returns on investment opportunities. Most CDs paid less than 1% for a one-year return rate. That figure was almost six times that amount in 1999 for CD paying interest compared to 2016. Savers can take advantage of this by having more funds allocated to CDs and Money market funds.
We anticipate seeing a low GDP growth in China and in the United States. This can have multiple effects to all major economies, but how will this affect you as the consumer? Well, for starters, low GDP growth results in lower demand for goods and products. Lower demand for these goods and products results in lower overall prices on goods and commodities. We can also expect retail gasoline at the pumps to be low overall in 2016 and heading into 2017.
With rising interest rates now a likely reality for the foreseeable future, you may want to look into stacking up your savings and retirement. Low interest rates usually force savers and investors to move their cash from low interest paying financial instruments such as money market funds into equities such as stocks and mutual funds.
With rising interest rates, it is good for you to diversify. Of course you are going to want to leave a portion of your retirement funding in equities such as stocks, but you more than likely want to diversify into other financial instruments that may be paying a lot higher interest rate as compared to the past several years.
This may be a great time for you to analyze your investment strategy for the short term as well as the long term. Take a look at your strategy over the last 5 to 10 years and see where you can re-allocate some of your funds. Overall, make sure that you are not just leaving your savings and retirement strategy on autopilot. Having your money in the exact same financial instruments from several years ago can end up costing you thousands of dollars or more unless you take action now.


As a nondenominational Christian outreach ministry, we are called to God's grace and are committed to providing foundational supports to the community. Nothing matters more than helping those less fortunate and those in need.
Strong people and strong beliefs make up the foundation for a strong community. The leadership at IHS-Sonlite Support Services, Inc does our utmost to live by example. We work to build a better community by engaging people honestly and acting in a reflective manner of our principles as set forth by God.
Serving others is our calling. IHS-Sonlite Support Services, Inc believes in spreading Christian love by supporting the people from around greater Cromwell through community initiatives and partnerships. For us, it is in the giving of time and lifting people up that we make a difference and do God's will.
13You are the salt of the earth. But if the salt loses its savor, how can it be made salty again? It is no longer good for anything, except to be thrown out and trampled by men.
14You are the light of the world. A city on a hill cannot be hidden. 15Neither do people light a lamp and put it under a basket. Instead, they set it on a lampstand, and it gives light to everyone in the house. 16In the same way, let your light shine before men, that they may see your good deeds and glorify your Father in heaven.
The Dictionary of Phrase and Fable says it suggests that the disciples should give the world an interesting flavour, and not that they were simply jolly good chaps. Super.
A. According to the Oxford Dictionary of Idioms, 'the salt of the earth' is now used to describe 'a person or persons of great kindness, reliability or honesty'. People like lollipop ladies and shepherds. This backs up another claim for the origin of the saying.
A. In the Moroccan city of Fez, the Jewish quarter (Mallah) is very old and was home to Jews who did a lot of salt mining. They were considered very useful to the community, and it is claimed that the expression 'salt of the earth' originated here.
A. Yes. The Romans paid their soldiers an allowance of salt called a salarium- hence our word salary, and the phrases 'worth one's salt' and 'true to one's salt'. And if you 'salt a mine', you add valuable ore or something similar to make potential buyers think that they're getting something worthwhile.
A. Yes. That's when you put such a high value on something that you raise its market value. Of course, salt is traditionally a mark of social worth.
A. To 'sit below the salt' means that someone has low social standing. It comes from an old custom of placing the family 'saler' (salt cellar) halfway down a long dining table. Those seated furthest away were the lowest rank. And people of distinction sat 'above the salt', near the head of the table.
We are dedicated to meeting the needs of our community and empowering our fellow man through the teachings and mentoring of Jesus Christ.


If you own your own company, then you have a lot of advantages; you can run the company with your own vision, set yourself up for new found financial freedom and can give yourself a big opportunity to take a lot of pride in your accomplishments. With that being said, you as a business owner also take on a tremendous amount of responsibility for the welfare of not only a company but the employees as well and the chance you could lose everything you have if the business does not become a success. These are the reasons why it is never an easy decision for you to take the leap of starting your own business.
In this article, I explore several reasons of what keeps people from starting their business by going through the following sections: 1) an introduction, 2) internal factors, 3) external factors, and 4) a short conclusion.
Starting a business is never something that should be done without a lot of thoughts and some very careful planning. If you decide to be a potential business owner, you not only have to look at such things as finances, business locations, and potential customer bases; but you also have to look deep inside yourself and determine if you have both the physical, mental and emotional makeup to be a successful business owner. Once people go through the planning and thought process of starting their own business, most of them often decide it is not in their best interest to go ahead and do that.
I mentioned that before you start a business you have to take an honest look at who you really are personality wise and at the individual talent you possess to not only start a business, but to make it successful in the long term. These are some of the internal reasons that make people decide not to start a business; many of these when combined together will become a huge roadblock to a person even starting to consider starting their own business.
No matter how small a business you as a potential owner want to start, that business will require to have certain things done in order to get it off the ground. Many people do not have a clue how to go about doing this, and this has a tendency to make someone very apprehensive to undertake the business startup process.
Some people just simply don't have the proper knowledge of a product or service that it takes to start a certain business. You as a potential business owner can have the best business idea in the world but without the critical know-how to implement and run that type of business it may prohibit someone from starting that business. The only way it can be successfully done is by hiring another person who does possess the knowledge required and then the owner is taking a lot more risk because they will then have less control in important business areas.
It is a big world out there that has become substantially smaller due to such things as air travel, television, mass media and the World Wide Web. It is not easy to come up with an idea for a sustainable business these days. You as a potential business owner have to be very creative and unique when you start up a new business and often have to come up with an idea of how to make your product or service special. A person that does not have the ability to do this will have a tough time entering into and being competitive in their prospective market.
Just like a person may not possess the skills necessary to start a business, they may also not meet the psychological needs that are needed for starting a business. Here are some psychological factors that can become a roadblock in the path of anyone that wants to start their own business.
Fear of Failure: There are few things as psychologically destructive as a person who undertakes a task and fails badly at it. As there are a lot of things that goes into starting a business, and if a person fails in that quest then the psychological effects can be tremendous. The subsequent loss of self-confidence and self-esteem can in many cases be more damaging than the financial aspects of a failed business itself. Many people are not willing to risk ending up feeling like this if their business is not successful.
Fear of the Unknown: One of the most basic fears that is in everyone's psychological makeup is the fear of the unknown; it is a basic fear that makes itself known the moment a person comes out of the womb. When you go on a trip, you are much more comfortable travelling a route you have been over many times before as opposed to going a new way the first time. It is similar when starting a business; the fear of leaving one's comfort zone is enough to keep anyone from trying to start their own business.
It's an Intimidating Process: Not only do some people have no clue how to go about starting a business, but many are also very intimidated by the business startup process itself. It can be a little overwhelming when a person is looking at doing such startup tasks as pulling business permits, getting certificates, taking out insurances, setting up banking accounts, applying for financing, hiring employees, looking at how to market a product or service and also finding a business location. Not to mention that these things are often done in conjunction with someone who is about to risk a large sum of money and their future financial security on that same new business being successful.
Time with Family: There are few things that are more important to most of us than your family and spending time with them. It is no secret that even if a person has the skill and knowledge to start a business, a person often will choose to keep their present job so they can spend time with their family instead of trading that for the pressure and time commitment it takes to start a new business.
Love Life: Filling the need for companionship is a huge priority for some of us. Even more so than the need to chase the riches and self-esteem that may accompany owning your own business. Starting a business can be a demanding process that leaves little time to develop or maintain a relationship.
Social Pursuits: Hobbies, sports, clubs, groups and the pursuit of other social needs can be a higher priority to some people than chasing the dream of owning their own business. Once again, many potential business owners are not willing to trade their active social lives for all that starting a business entails.
A Simple Life is all that is Required for Some People: For some, a simple life that meets their financial and emotional needs is the only comfort zone they need. They simply have no desire to get involved in all the different types of commitment it takes to start their own business.
A Better Follower than a Leader: Some people are much better at performing at their job when they are being told what to do and how to do it. When owning a business a person is fully in charge of the authority and decision-making; some people do not function well in this role, and it is far from their comfort zone. A person who realizes this about themselves will most likely never try to start their own business.
Disorganized: One of the quickest ways for a new startup to fail is if it lacks the organization that is critical to laying a solid foundation to achieve forward progress. It is very unlikely that a disorganized person will be able to successfully start a new business unless they commit to improving in this area.
Unmotivated: It takes a lot of internal motivation to persevere and overcome all the hardships and obstacles that a person will face daily when starting up a new business. If a person is not highly motivated and have a clear vision for the future of the new business that drives them forward, then navigating through a new business startup may not be possible for that individual.
Gives up easily: There are a lot of brick walls and hurdles to overcome when starting a new business. If you have the type of personality where you give up on things easily, then most likely you will not be up to the challenge and rigors of starting their own business.
To Employees: It can be very intimidating and very stressful having the task of providing financial needs for employees by running a successful business. Many people simply do not want that type of responsibility on their shoulders.
To the Business: Being a business owner is all encompassing, and it takes so much time and effort. There is a tremendous amount of responsibility that goes into the decision-making process for the business to ensure its success; some people are just not willing to accept this type of responsibility.
To Clients: Every business has clients that they supply with goods or services, and this creates additional responsibility. Your business then is not only responsible for the success of their company, but plays a big role in the success of another company too. That creates a lot of additional pressure because if your business fails it will be like a domino effect and could hurt your clients company as well. Many people are just not interested in dealing with such a high level of responsibility.
Stress: Many people do not see the tremendous amount of stress that it takes to startup a business as an even trade for the potential financial and personal rewards. The very thought of this will intimidate many people so much they will not even try to start their own business.
Last but not least for internal factors is the age old adage that money can't buy happiness. Starting a business in order to earn millions with it is typically a wrong motivation. When you consider all that was mentioned above, some of you may often come to the conclusion that owning your own business will simply not make some of you happy and is not worth it.
Besides a person's internal makeup and needs, there are other external factors that keep people like you from wanting or being able to start your own business too. Here are some examples of those.
Not Sure You Can Get the Financing: There is nothing that will sink a new startup faster than the new business being undercapitalized. You as a business owner can have the clearest vision in the world for your business and make the best decisions on how you can take the business toward that vision, but it's all for naught if the business does not have the working capital to take the necessary steps to reach its goals.
Scared to Risk Lifelong Savings: It takes most people a long period to build up their savings and give themselves the peace of mind that they have some money in the bank to fall back in times of trouble. That type of financial security is not something that people will easily give up and risk losing by starting their own business. The fear of once again being at a point where they have no savings to fall back on is enough to keep anyone from taking the leap of starting their own business.
Security of a Steady Income at Your Current Job: A steady, reliable income is a hard thing for someone to give up to pursue the dream of owning his/her own business. This is especially true if you have a family to support which depends on you in the majority of things. Many people will not risk giving up an income that is steady and reliable for all the uncertainty that surrounds the money making the ability of a new business startup.
Loss of Benefits: It is often not only the security of a steady income that keeps someone from trying to start their own business. Other factors such as giving up medical benefits, 401k matching plans and educational assistance help to convince a person that starting their own business is not in their best interest.
Another area of external factors that may keep you from starting your business is too much competition in your area of expertise.
Saturation of the Market: The best new business idea in the world, even if it is carefully planned out, cannot work if there is already an overcrowded situation in that business's projected market. A business has to be able to secure a steady and viable customer base in order to succeed and grow. Some markets are just too oversaturated with competing businesses to think even about starting a new business and entering into them.
Reluctance to take on Established Players: It may be intimidating for you as a new business owner to try and take on a big established player in a niche market. Established businesses are usually well connected and have personal relationships with their customers, have lots of financial resources and have made their business successful by learning from the mistakes they have made the along the way. A new business starts from scratch, and it may be a while if ever, before they establish these things and sometimes the business will fail because of not growing fast enough.
As a new business owners you also face the hardships that an established company can place on you to keep you from entering the marketplace too. An established company can do such things as lowering prices and taking less profit to inhibit a new business ability to generate income and survive. The knowledge of those things which you have as a prospective business owner is often enough to keep some of you from trying to enter the marketplace with your own business.
As you can see, there is a tremendous amount of things for you to consider and worry about when it comes to starting their own business. You will not only have to overcome your personal fears and limitations to start a successful business, but you will also have to battle pressures from the outside as well. Starting a new business can be a daunting and intimidating task to say the least and many people are reluctant to take this kind of task head on.
Starting a new business is a lot like running a hurdles race in track; if someone hits too many of those hurdles, they will lose both their physical ability and mental will to continue. When you are in the planning stage of a new business, these hurdles become a lot easier to see, and they look a lot higher too. It is enough to make even the strongest willed and most financially solvent people think twice about going forward with starting a business.
The article is simple but it has an effective guides for those aiming to be an entrepreneur.


Hello, Maria Barry here! As most of you probably know, I am the Pure Pilates and Group Fitness Manager at Commonwealth Sports Club, Boston. Over the last 20 years of teaching strength, cardio, yoga and barre classes, I realized there was one common factor preventing me from injury: the core strength I've developed from Pilates training. After speaking with clients, friends and members, all of whom work out in many different ways, I have put together a list of the top reasons to practice Pilates studio equipment and Pilates mat. 1. It's exercise while you're laying down AND a great workout!
What should you be eating to lower your body fat?


text:
Whispers by Joanna Benitez
What will you do when you are alone and stumble across us? Will you listen like a good little girl or boy? Will you follow the voice that whispers… whispers… whispers so desperately? Will you if we whisper in your ear gently? Oh, so gently. Will you come? We'd love for you to come. Come. Come, come, come.
Sara lived in a beautiful little land where tales of the supernatural were a pastime for the ancient elders.
One day when the sun was high, and a wail traveled the house as it always did when the sun reached its peak, Sara and her brother looked at the clock hanging on the wall. As their mother fed the infant her naked breast, Sara tilted her head at the door for she knew that her gluttonous sibling wouldn't release her mother's nipple until rendered of all its milk.
With a quick glance at their mother to make sure they remained unseen, Sara and her brother snuck into the stable stationed beside their house. Only one horse was available.
Sable was old and in the fields he tired much too easily, but he was sweet-tempered enough for the children. Angelo, taller and older by three years, lifted Sara onto the horse.
To allow the space Angelo needed to sit at the curve of Sable's back, Sara scooted to sit at the horse's rump. Sable didn't buck as another horse might have. He was accustomed to the children riding double. Once on, Angelo gripped Sable's mane, then led the horse at a brisk pace into the waiting sun.
Blanco, Sara's white dog, waited for them at the gate.
What will you do when you are alone, and we are near? So near we can breathe on your neck? Will you run? No… no, for we are hiding.
Sara and Angelo made their way into a wild field where a tree grew at the center.
Sara found the tree and its pod encased fruit three years ago when she ignored her mother's warning and took a left at the forked road. It was a shortcut, but she went too far because she was tired and wasn't paying attention. She backtracked and found a small path that should have led her back home; instead, she came across the meadow.
Angelo was the first person she told about her find and together they kept it a secret from searching mouths attached to void-like stomachs.
When they were under the tree's casting shade Angelo helped Sara dismount.
Once her feet touched the ground, Sara turned to face the tree. She looked at the dark leaves and searched for the slight hint of yellow among green.
"There," Sara said and pointed up at the ripening fruit. Blanco stood next to her, his small body heavy and warm against her leg. She tugged his ear gently, something she did often for she loved the silky soft texture of it. Blanco leaned against her hand.
Angelo gazed up at the tree; he noted the delicate leaves, the hanging fruit, and the extended limbs. "You go for the higher ones and I'll get those," he said. With his index finger he indicated the much lower and thicker branch.
Sara went up first. She climbed as only a child of her land could. Near the top, she straddled a branch and picked three long pods. By the time Sara descended, Angelo had a pile of seeds, black and green, growing beside him.
Sara found a spot and sat with her back to the bark. She sunk her nail into the fuzzy green casing of the ice-cream bean and pried it open with both hands. Once the pod proudly displayed its sweetness, Sara grabbed one fruit segment and popped it into her mouth. She sucked the white cotton flesh and savored the slight vanilla taste, then took another segment and worked it over with her hands. Fingers coated in translucent fruit juice; she extended the now seedless flesh to Blanco who swallowed the fruit. He licked his black nose, then inched closer; patiently waiting for another.
What will you do, what can you do, when we see but are unseen? Do you hear our whispers… our whispers? Come.
Two hours later, with full bellies and sticky fingers, Sara and Angelo decided it was time to leave.
Sara watched as Angelo placed two fingers into his mouth and whistled as father taught him. The gelding's ears twitched at the piercing sound, but he did not move.
"You should have tied him to the tree," she said.
Sara shrugged.
"Sable," he called harshly, then whistled again. The horse imitated stone, not a single muscle twitched, not even to dislodge the biting flies that crawled up his nostrils.
Angelo stomped through the grass. Sara followed.
"Blanco," Sara called over her brother's grumbling. She looked over her shoulder and after a second, Blanco's white face appeared above the long grass, then disappeared, only to reappear again. Sara laughed.
They were within arm's length of the horse when Blanco stopped leaping and burst into barks. The horse responded with a jittery dance. It was then that they heard it; Whispers.
Sara looked around but only saw yellow grass as tall as her chest. She tilted her head to listen.
Come, it said.
Come to us.
Sara stepped forward, her intent to follow the voice but Angelo grabbed her wrist and squeezed.
Come. Come, come.
Sara struggled against Angelo's punishing grip. His body jerked, but not from the way Sara twisted his little finger to pry his hand loose. She stopped.
Angelo walked backwards, taking Sara with him. He reached for the horse. "Get on," he breathed.
Frightened, she clawed at Sable's flesh.
The creature crouched low in the grass held Angelo's gaze. Angelo did not look away; he did not blink. It inched closer, anticipating his next step, and whispered.
Blanco growled and his hackles rose to reveal the pink flesh beneath. Angelo held his breath.
With one hand clutched around the horse's thick mane and a swing of his leg, Angelo mounted and almost kicked Sara off. The paralyzing gaze which held the whispering creatures at bay broke.
Sable took off.
Blanco ran at the horse's heels.
Sara did not see Blanco fall behind to confront the whispers when they came close, much too close. She did not hear the dog fight behind their fleeing backs. She didn't hear his yelp.
What will you do when you are alone, and we whisper? What will you do?
The horse's powerful lungs expanded with relief when Sara and Angelo dismounted. They ran into the house and startled their mother as they rushed in screaming. It was three in the afternoon and their mother was lifting her breast. Hungry, the infant brought the nipple to its waiting mouth.
"What is with this noise?" A deep voice asked.
"A monster!" Sara yelled at the same time that Angelo said, "I saw something. The eyes––"
"It has teeth the size of my arm!" Sara interrupted bringing up her forearm. "And it was as big as you papa."
"No, it––"
"It was. It was," Sara chanted.
"Shut up!" Angelo looked at his father. "It had red eyes, and it crouched on the grass. And it wasn't just one."
"There were a hundred!" Sara added though she had not seen.
"No, there wasn't!"
"There was! And it chased us. Didn't they, Angelo?"
Timidly, Angelo nodded.
Their father took a long swig from his beer, then hooked his thumb into his jeans. The gun he always carried, unless in bed, was strapped to his belt. "I am not interested in your made up stories. I want to know why you took the horse without permission and why you went God knows where when I told you to stay in the house and help your mother with the baby. Hm? That is what I want to know."
Angelo recognized his father's tone; Sara did not. "But, it was there! It was going to eat our faces. There were a hundred!"
"Sara," warned her father.
"It was," she whined. "Right, Angelo?" Angelo's head tipped down. Not to be deterred Sara continued, "I heard the whispers. And Blanco heard it too because he was barking and––"
"What is with this noise?" A man with a limp entered the house. Their mother burped the baby, then handed the sleepy child to the man. Cradling the child to his chest, he looked at Angelo and Sara's demure faces. "What is this?"
"Go on," their father ordered as he took another swallow from his beer and went to grab another for his brother. "Tell your uncle what you told me."
Sara repeated her tale.
"I don't know, maybe you should check it out," the uncle said as he handed the squirming baby over to its mother.
"They are making it up. They always make up stupid stuff like that. It's an excuse." Their father said. He looked at Angelo's down-turned head. "Besides, I've been working all day."
"Shit happens here."
"It was probably a snake."
"Yeah, I guess," said the uncle. He looked around as his hand went to his thigh. "Brother, where is the dog?"
What will you do when you hear our whispers? Will you walk backwards until you die? What will you do? Just be good… and come.
Days passed and they began to question. On the third day, as Sara cried against her mother's deflated breasts, her father and uncle spoke in hushed voices.
"You know what happened to me, brother." The uncle, visiting again, looked down at his leg and touched the ugly scar on his thigh. "You were there when I returned."
"Yes, but this… we don't know what it is," the father returned. "You heard them. They made no sense."
Both men stood in silence.
What. Will. You. Do.
Sara's father and uncle were there to search, to prove that what the children saw was a trick of the light, their imagination.
Sara had to stay with her mother though she desperately wanted to help search for Blanco and Angelo, as the guide, had to break their promise and reveal the tree's secret location. He did. He pointed to the tree.
The two men shared a look. The uncle moved toward Angelo, close enough to grasp Sable's reins. The father nodded, then approached the tree on his horse. A noise was soon heard.
Gun in hand, Angelo's father dismounted and made his way through the tall grass on foot. He followed the sound.
When he heard a whimper under him, he parted the grass. And flinched.
What. Can. You. Do.
Blanco was on the ground; Broken and sprawled. He lay on his belly, his limbs spread wide like a spider. The mangled bones of his legs poked and bent in horrible ways. Dirt coated his tongue and snout as he tried to eat a rotten, ant infested fruit pod. He trembled from the pain.
Taking a blanket from his horse's back, Sara's father came forward. Blanco's eyes widened at his approach and in a panic, he bit. Sara's father threw the blanket over the dog's head and ignored the scratch on his arm. Before he lifted Blanco he made sure the fabric covered his eyes. The dog screamed its agony.
"Maybe it's best if you put it down," the uncle said.
The father mounted his horse. He tried to be gentle, but even then, tear tracks dampened the fur around Blanco's eyes and stained the fur a rotten brown.
We are.
We are Whispers… come.
Come, come… COME!
When the moon was high, and a wail traveled the house, Sara and Angelo woke to the deafening sound of a gunshot piercing the night.
They cried out and ran from their room and into the kitchen where hours before their mother helped set up a nest of blankets.
Sara's heart fluttered in her chest for she saw her father's face when they laid Blanco on the makeshift bed. Her father watched as the dog yelped and whined when it tried for the bowl, desperate for water. But Sara had cried and promised. She promised to clean up after Blanco soiled himself. She promised to feed him, to bring water to his lips. Her father contemplated the gun at his side. Sara begged. She grabbed his hand, careful of the bandage on his forearm and begged so hard she made herself sick. And so her father went to bed.
Sara feared the worst. She turned the corner with her brother at her side. And there she saw Blanco, sheltered in the corner under blankets. A small smile spread her lips, but it soon died away when she noticed how Blanco's eyes, a piercing red, shined in the dark.
He tilted his head, the movement eerie in its unnaturalness. Blanco opened his mouth. Tongue darting between teeth, he inched forward. Angelo ran.
On mangled legs, Blanco dragged himself toward Sara. The click of his nails on the hard floor was sharp and loud.
She did not move. She did not breathe. Closer, he came, until he clawed at her clothes. She fell to her knees.
Blanco's hot sour breath brushed her face and it was only then that Sara heard the impossible whispers that escaped his throat. A second gunshot rang out.
Sara stared as Blanco's white fur became red. Her mother pulled her to her feet. Angelo stood beside them and his arms cradled the crying infant. Swallowing, Sara looked at the gun in her mother's hand.
"Where's father?"
Come. Come. Come. Comecomecome. Comecomecome. Comecomecomecomecome…
Joanna Benitez is a storyteller living in Los Angeles, California. Her writing currently revolves around folklore, mythology, and fairytales. Some of her short stories have been published in the Northridge Review, Body Part Magazine, Fantasia Divinity Magazine, Bibliotheca Alexandrina's Les Cabinets des Polythéistes, and Gingerbread House Lit. Magazine. When she is not writing or reading she can be found walking her dog, Luna.
Fiction, Free To Read, Short Stories
| Tags: Juanita Benitez, Madness, Whispers
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An ESOL Resource from University Settlement's Adult Literacy Program
News / Student Writing
Farewell to Professor June
August 25, 2022 August 24, 2022 US Adult LiteracyLeave a comment
For 20 years, Professor June Foley, who is the Senior Director of the Writing Program at NYU Gallatin, has been teaching an advanced writing class here at University Settlement. June has also been responsible for the editing and publishing of the Literacy Review, an annual collection of writing from adult education students throughout NYC. A new compilation of writing from University Settlement students, 20!, will be released soon and Friday, August 26, will be her last day leading her class. We sat down to talk with her about the past, the present, and the future.
I was born and raised in Trenton, New Jersey, into a working-class family, in what sociologists have called an "urban village." I was the first of an eventual 40 first cousins, with dozens of relatives living within a couple of miles. I received my M.A. and Ph.D. in English and American Literature from NYU. My husband, Bob Stark (a native New Yorker) and I have been together for 38 years, and I have a 50-year-old son, Max Lindenman, from a previous marriage.
How did you first get involved with University Settlement and whose idea was it to start the writing class?
As the new Writing Program director, I was asked by the Writing Program chair to audit the first "Literacy in Action" (now "Race, Social Justice, and Adult Literacy") class. The "volunteer work" the six students and two auditing faculty did was all at our first partner—University Settlement. Everyone else taught conversation, but I chose to teach writing. And I've been doing it ever since.
Can you describe the format of the writing class?
Though I facilitate the class, with two Gallatin undergrad student teachers, the class is student-centered. The students write on any topic, in any genre. The student teachers and I edit the works (minimally), each writer reads her work aloud during class, and the other students offer comments about both the content and the style. The students are inspired and encouraged by one another.
Any special memories of the writing class? Any memorable students?
To tell my special memories of the class, I'd have to write a book. Instead, I'll quote from my introduction to 20!, our new book. In my introduction to one volume, I noted that almost all the original students came from China and many had survived Mao Zedong's Cultural Revolution. Lisa Lee wrote that when she was growing up, many neighbors were so poor that "they sold their children to the rich"; Yuqing Gu wrote about being ordered, as a physician, to perform a forced abortion on a woman eight months pregnant because neighbors had informed the authorities that she already had one child; Biming Long remembered the Communist Party labeling a beloved teacher a traitor, hounding him into suicide. Many stories set in New York City described working many hours every week in sweatshops or restaurants. Nelson Feng described how his restaurant delivery bike was stolen, he was threatened with a gun, and a customer whose dinner cost $57.75 tipped him 25 cents.
There was joyful writing, as well: Ofelio Chen's about his "first friend," a calf on his family farm in China; John Cheng's about meeting his father in New York City, after running away from home many years earlier in China; Wen Fei Liang's whirlwind trip to Europe, using her wheelchair; David Chen's about receiving two unjust summonses as a mini-pancake sidewalk vendor, writing careful descriptions of the experience, reading them in court, and having the summonses dismissed.
Over time, the class became increasingly diverse, with students from Latin America, the Middle East, Africa, and Eastern and Western Europe, and the writing also became more varied. Jackie Leduc's brilliant introduction to the previous compilation, Remember, mentions the political issues of Bangladesh, passionately discussed by Afroza Yasmin and her son, Mahir Rahman; and the complex, frequently dark stories of the Brazilians Marilia Valengo, Vini de la Rocha and his wife Mariana Lemos Duarte. This year, we read Jennifer Alonzo's love letter to her husband; Gabriela Robles's story from the point of view of a Central Park bench; Annette Huang's exhortations toward love and compassion; Grace Zhang's writing about neighborhood tensions in Brooklyn; Fatima Sore's fictionalized tales of women's lives on the Ivory Coast, and much more.
Did you learn anything from your students?
Again, I could write a book. As I also say in my intro, they've taught me much more than I've taught them. I'm in awe of their intelligence, thoughtfulness, courage, resourcefulness, resilience, patience, determination, compassion–and their writing talent.
Can you describe the genesis of the Literacy Review?
LR started after I compiled that first little book of USS writing. The students were so thrilled to see their words in print that my class expanded. Soon I asked a few Gallatin students if they'd like to get together to create a book of the best writing from all NYC ESOL and adult education students.
What are some important things all writers should remember?
The writer Henry James said, "Observe perpetually." In addition, I'd say never stop reflecting, reading, and writing.
What do you plan to do now?
I'll be teaching one Gallatin course per semester in my field, the Victorian novel, at least for a year.
Who will take over the writing class and Literacy Review?
Allyson Paty, a graduate of Gallatin who has an MFA in poetry from NYU and has been the Writing Program associate director for a number of years, will succeed me as WP director on September 1st. Corinne Butta, who was the WP's graduate assistant for two years, received her M.A. from Gallatin in May, and has experience as an editor, will take over the advanced writing class. They are terrific!
Many, many thanks to the director of the Adult Literacy Program, Lucian Leung; to Jon, the assistant director; and to Leanne Fung, program associate. You have all been so wonderfully supportive over the years. I'm honored to have had the opportunity to work with you at University Settlement.
Thank you, June! We'll miss you!
To check out past blog posts about June, the writing class, and the Literacy Review, click here!
june foley, literacy review, new york city, nyu gallatin, university settlement
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