Archives July 2023

Generally called ESG, the Environmental, Social and Governance (Corporate) represents significant areas wherein a socially responsible investor should be interested in. Simply put, these are broad segments where the investors should incorporate their values and concerns in. This concept stands opposite to considering potential profit margin and risks in an investment opportunity.

Some wise traders and investors invest in ESG training course to learn all criteria, impacting environment, society and corporate sector.

Let’s get started to get into its criteria and their importance.

Criteria

Each of these elements carries a set of standards for a company’s operations. The socially aware investor keeps these standards into account for tapping potential opportunities.

As far as environmental criterion is concerned, it defines the responsible use and protection of natural environment. It can happen by conserving and opting in sustainable practices that promote the ability of ecosystem to recover easily and human well-being.

Social criterion is how a company manages relationships with employees, suppliers, customers and communities in the target market.

The governance criterion represents its leadership, executive pay, audits, internal controls and stakeholders’ rights.

In the nutshell, these criteria cover social responsibilities, accountability towards nature and stakeholders. One can notice them in the drafting and structuring of objectives, credible ratings, actions and policies or guidelines. In short, these elements help the company to see its social, environmental and corporate impacts on investment.

The ESG-friendly businesses incredibly show less dependency on substantive practices. Its public relation department wins the limelight as these criteria effectively and quickly attract opportunities with consistency.

How do these criteria work?

It is really important for investors to assess a company on the basis of ESG criteria because it provides a broad overview of its behavior on these levels.

The environmental aspect covers all aspects that are concerned with nature. It may include a range of concerns incorporated for overcoming natural disasters, such as renewable sources of energy, waste management plan, mitigation of contextual challenges like pollution due to its operations or practices. The investor looks into the company’s actions, approach or attitude towards figuring out their impact. It also includes how it deals with climate-based challenges, if there are any. This impact can be detrimental or appreciative, which helps investors to determine investment possibilities.

When it comes to relationship building, the social criterion catches the spotlight. The investors often discover how it treats or deals with suppliers, employees and stakeholders. These findings help them getting deep with the exact reason underlying underperformance, inefficiencies, inconsistent deliveries and lack of investment. These are just a few to name. The radius of the societal impact can be bigger than that.

The governance lies in the hands of administrators. Investors often show interest in understanding accounting methods and fair play of governing parties. They want to know what rights stakeholders have and what assurances are provided to get rid of conflicts of interest. This knowledge assists in analyzing if there is any political interference for winning favours or if there are illegal practices going on there. This is how the investors find if it is good to invest in or just drop that deal.

It’s really hard to think about a company that ideally passes the acid tests in each segment of ESG. In that case, they emphasize on deciding what they prefer the most. There are many cases when they compromise on one or two criteria. But if their foresightedness sees it really unprofitable in a long run, they give up the idea of putting their millions of pounds.

For example, an investor would certainly like to invest in the coal mining company if it hosts insurance policies for its miners and focuses on forestation.

In essence, the ESG training helps people to gain insights on various aspects that may interfere with company’s interest, profitability, sustainability and reputation in the future.

But what are some of the benefits associated with proper irrigation? Let us take a look.

Beautiful Landscape

The biggest issue you will run into without a quality irrigation system is the poor appearance of your front and back yard. Some homeowners are not too bothered about what their yard looks like, but most will take great pride in having a beautiful bed of grass, along with some seasonal flowers, in the garden. While good landscaping services can help ensure your lawn is always looking fantastic, a quality irrigation system can make an even bigger difference. And by making sure the installation of sprinkler systems and water tanks in Longreach and Emerald is done by a quality company, you are taking a giant step towards having a gorgeous garden at all times of the year.

Save Time and Money

Some people enjoy watering their flowers on a daily basis, but most find it a chore that takes up far too much time. If everyone in your family works or goes to school, no one is going to want to water the grass and plants on a semi-regular basis. But when you have an automatic pump and irrigation system, you do not have to do any work. Simply set the sprinklers as you want them, and they will turn on and off at the appropriate time. Using such a sprinkler system not only saves you time, but it is also cost effective, as you are using the optimal amount of water on a daily basis.

Having a quality irrigation system installed at your home, farm or commercial building is definitely important. But you also need to make sure the right maintenance and repairs are being done on the system. If you find the system is giving you problems a few months after the installation, you may want to contact an irrigation system repair company to see if they can look into the problem. Quality companies that repair pumps and steel pipes in the Central Highlands will help keep your system running smoothly and for a long time.

Whether the system is being used for agricultural, commercial, mining or residential purposes, it is vital to make sure all the parts are in correct working order. Companies that handle the repairs of steel pipes in the Central Highlands can come to your location and check to see whether the relevant parts are working as they should.

By John Contraros

This how-to guide will teach you about each step in the process of growing your first marijuana plant indoors. From seeds and nutrients to lighting and hydroponic systems, this guide is a basic overview for the novice indoor marijuana grower.

Seeds

For your first grow operation I recommend you seeds that are easy to obtain, such as those found in your own bud. Once you get some experience growing you may want to consider buying cannabis seeds. There are many types of marijuana seeds out there and many different strains. There are feminized seeds which yield only female plants, and there are low-rider dwarf plants that flower automatically. There are many varieties of Sativa, Indica, and hybrid (containing genetics from both Indica and Sativa strains). Sativa and sativa-dominant strains tend to give the user more of a ‘head high’ as opposed to a ‘body high’; whereas Indica-dominant strains tend to give you that couch-lock stoney high. Step 2 – Growing Method

There are many methods of growing cannabis but we will only talk using soil here, as this is a beginners tutorial. Hydroponic growing will be a topic of a future tutorial.

Growing in soil is also the method suggested by the Cannabis Chef when the marijuana will be used in foods. Soil will provide the most natural flavor for cannabis and is best for cooking.

Germinate Seeds

It is extremely helpful to germinate the seeds before starting an indoor soil grow operation. To germinate the seeds, simply place them in a folded dampened paper towel and leave over night. Check the seeds, if the sprout has begun to break through the husk of the seed then it is ready. If not, re-dampen the paper towel and continue this process until the seed germinates. If the sprout does not break through within five or so days, it is most likely a dud. Toss, and start again.

Prepare the Space

You will need a space to grow your plants. Where ever you chose to grow, make sure you prepare the space properly. I suggest lining the floor with trash bags or plastic drop sheets to prevent water damage. It is also a good idea to line or paint the walls with a white material. This will help reflect light back at the plants. If this is not an option you may use aluminum foil. Make sure the dull side of the foil is facing outwards towards the plants. Aluminum foil is not a great choice however it is better than nothing.

Choose and Install a Light

The Cannabis Chef suggests staying away from florescent light bulbs, but if you must always use a CFL (compact florescent light) and at least 100 watts for one plant. Your plant will most likely grow, however you will also likely be disappointed in your crops. We suggest using between 250-400 Watt HPS (High Pressure sodium) or HID MH (high-intensity discharge metal halide) lights. You will want to mount the lights in a way that allows you to move them up as the plant grows. For safety we suggest using a reflector on the light, and a fan in the space you are using. Not only will the fan prevent it from getting to warm in the space it will also help to circulate oxygen to the plants.

Setting up the Plants

For each plant you are growing you will need one 3-5 gallon bucket. You can find these at Home Depot or almost any department store. You could also find a great deal at amazon.com. Make sure you poke about 5 small holes in the bottom of the bucket to allow excess water to drain. You may use the lid of the bucket as a water catcher by placing it underneath the bucket.

Next, fill each bucket with soil, leaving about 4 inches at the top. We suggest using organic potting soil. Test the soils PH using a PH Meter. The soil should be somewhere between 6.0 and 7.0. Remember adding nutrients will increase the acidity of the soil. There are PH balancing kits available to help achieve the perfect balance. This is important for a healthy plant.

Using your finger, push a small whole about quarter to a half inch deep into the soil in the center of the bucket. Know place the seed or clone in and cover with soil. The soil should be packed firmly but not so dense that the sprout will not be able to push through.

The Light Routine

We recommend using 16 hours of light and 8 hours of dark for the first two weeks. After the first two weeks you may increase the amount of light by one hour each day until you are using between 18 and 24 hours of light in a 24 hour period. After the plants reach desired height (probably around 12′ depending on the strain) you may decrease the lighting to just 12 hours on and 12 hours off. This will trigger the flowering cycle of the plant. This is the time the buds will begin to form. This is also the time where you must remove any male plants. Male plants can be detected by their pollen sacs. These are small pod-like plant structures which will fertilize the female plants (causing seeds and less potency!). So be sure to remove the males as soon as can spot them.

The Nutrient Routine

For the first two weeks after germination we suggest using only water to feed the plants. For the next two weeks slowly increase the nutrient solution to the suggested amount. This will help prevent against ‘burning’ or ‘shocking’ the plants. During the vegetative stage we suggest using N-P-K (nitrogen, phosphorus, potassium) ratio of about 30-15-15. For the flowering stage use a 15-30-30 ratio. This is only what we recommend, and every strain will do better using a different regiment. If you bought your seeds from a legitimate source it may come with documentation with a N-P-K suggestion.

Harvesting

Harvesting is a huge topic that involves many things including drying, curing, trimming and more. Here we will only get into knowing when to harvest. Look forward to future material about the harvesting process. You will want to harvest the cannabis plants when the trichomes (small hair-like glands found on the marijuana buds) are an amber color. Use a magnifying glass to examine the buds. When around 90% of the trichomes are amber in color, it is time to harvest!

About the Author: For more information see Jorge Cervantes Ultimate Grow and for cooking info see Cannabutter.

Source: isnare.com

Permanent Link: isnare.com/?aid=523216&ca=Gardening

January, 2018 byadmin

Business analysis professional qualifications help business analysts in many ways. It proves their competence on the subject. It helps organizations to ensure their business analysts are rightly skilled in business analysis process.

However, there is quite a lot of confusion in business analyst’s minds as to which business analysis certification they should pursue. Among the organizations offering business analysis certifications, IIBA® is the most prominent one. It now has 30000+ members of which approximately 10000 are now certified.

IIBA certifications have been most popular and sought after certification among the business analysts globally.

Both CCBA® and CBAP® certifications come from International Institute of Business Analysis™ (IIBA®).

IIBA® has been doing amazing work on making the business analysis profession more recognized among the professional field and in corporate segment.

Last year IIBA® rolled out our new multi-level competency-based Certification program namely

ECBATM – Level 1 – Recognizes individuals entering the field of business analysis.

CCBA® – Level 2 – Recognizes BA professionals who have 2-3 years of business analysis experience.

CBAP® – Level 3 – Recognizes BA professionals who manage and lead with over 5 years of business analysis experience.

CCBA® – Certification of Competency in Business Analysis – is primarily targeted towards mid-level business analysis professionals who have served at least 3750 hours (roughly about 2.5 years) as business analysts in the industry performing BA approved tasks as per IIBA®.

CBAP® – Certified Business Analysis Professional – is primarily targeted towards senior level business analysis professionals who have served at least 7500 hours (roughly about 5 years) as business analysts in the industry performing BA approved tasks as per IIBA®.

Here is a short comparison on both the certification:

High Level Overview of Comparison

You may find the following pages to be useful in this context-CBAP details – AdaptiveUS.com/cbap-certification-trainingCCBA details – AdaptiveUS.com/ccbaYou may find this video to be useful for this comparison.

Visit site for more information. Adaptive US

Some of our recent participant’s feedback –I just wanted to let everyone know I just landed a job at Pfizer as an Enhancements Coordinator! Thank you for your assistance in passing the CCBA. It definitely helped me land this position.They always respond to my questions in a timely manner, no matter what time of day it is, and they are proactive in sharing resources that help you get prepared for the exams. I recommend this program wholeheartedly to any person looking to achieve certification from the IIBA. Adaptive Rocks!!! #5stars

Cheap Ghillie Suits That Are Handmade

by

George Henderson

Making your own ghillie suit is time-consuming and labor-intensive, but many people find it to be a highly rewarding project, especially when wearing their ghillie suit while out hunting or competing in paintball games.

Ghillie suits were first used by Scottish gamekeepers assigned to capture and release for the nobility before a hunt, in essence stocking the woods with game so the hunt would be more successful. These same gamekeepers would also wear their ghillie suits when patrolling the grounds at night, protecting the livestock from poachers and predators.

Later the Scots decided ghillie suits were the perfect camouflage for their military units, so gamekeepers were recruited and trained as snipers for the Scottish military. Ghillie suits are still used by military units today both for sniping missions and for reconnaissance.

Ghillie suits are commonly used for paintballing, airsoft gaming, hunting, bird-watching, and for naturalists. You can purchase ready-made ghillie suits for reasonable prices from many online stores, but you can also construct your own ghillie suit if you have the time and energy. Even store-made ghillie suits can be tailored to match the setting in which it will be worn.

Before you get started

Before you make your ghillie suit, visit the areas you will be wearing the suit and take note of the coloring of the bushes, ground cover, and earth. Decide what season you will most likely be using the suit the most, as that can determine which colors are most dominant. For example, if you ware making your ghillie suit to wear when you go deer hunting, you’ll probably want to use browns, taupes, greys, and blacks in your suit. If you want to use the suit year-round, you may want to use more of a variety of colors. You may want to collect samples of the brush, undergrowth, leaves and soil so you can match colors exactly. Another idea is to bring paint swatches (like the ones you can get in hardware stores) and mark off colors that match the surrounds on the swatches.

Decide if you want to make a poncho or fitted ghillie suit. Which of the supplies you buy depends on what kind of suit you want to make. If you will be staying still while wearing your suit, you may prefer a poncho, but if you’ll be crawling in the dirt and trying to move quickly, you’ll want a fitted ghilie suit. This guide will tell you how to make a fitted ghillie suit.

Gather your supplies

What you’ll need:

– Hot glue gun – Pack of glue gun glue sticks – Pack of sewing needles – Fishing line – Powder dye packets of RIT dye – yellow, green, tan, brown, black – Nylon netting – enough to cover you completely – 6 -7 yards – Can of flat black spray paint – 6-7 yards of burlap – Olive drab flight suit – Camouflage helmet cover – 1 yard water-resistant Cordura canvas

How to make your ghillie suit

1. Cut and dye the burlap.

Using a heavy duty pair of scissors, cut the burlap into strips of varying lengths. Mix up the dye, and dye the strips into many, many colors, creating as many variations of the colors you noted in the desired environment. Remember that some colors will change as the burlap dries, so make a wide variety of colors. Mix and match colors – dipping the strips in one color and then another – to create all kinds of shades and variations on the strips.

1. Shred the burlap pieces.

When the burlap dries, shred the pieces and make each one unique.

1. Cut and attach water-resistant canvas to the front and back of the flight suit.

You’ll want to cover whatever parts of the suit you want to be water-resistant and able to handle wear and tear. You may want to add canvas strips to the elbows, forearms and knees if you’re going to be crawling in the dirt. You can either sew this on or use the glue gun to glue it on.

1. Cut and attach the netting over the flight suit.

Make sure the netting will blur your form so you no longer have the silhouette of a human being, but instead look like a bush or a blob. Make sure you give yourself lots of extra space so the netting won’t constrict your movements either. Sew the netting on using the fishing line and needles.

1. Cut and attach the netting to the helmet cover.

Follow the same instructions as above.

1. Attach the burlap strips to the netting all over the suit and helmet cover.

Sew the pieces of shredded burlap on, making sure you layer the pieces such that it looks natural and varied and does not concentrate any one color in any one place. Use the fishing line and needle to sew the pieces on. This is the most time-consuming part of the process, but it is also somewhat of an art form to make sure you use varied pieces and colors. Make sure you attach enough pieces of the helmet but not so much that you won’t be able to see.

1. Drag the suit through the mud and let it dry. 2. Congratulate yourself! You’re done!

If all this seems too labor-intensive, consider one of our a ready-made ghillie suits.

Charles is the marketing director at TacticalSource.com, which specializes in selling Ghillie Suits [http://www.tacticalsource.com/ghillie-suits.html] and tactical gear for hunting and paintball use.

They carry both synthetic and non synthetic ghillie suits as well as Tactical Gear [http://www.tacticalsource.com/tactical-gear.html] tactical gear for Police and Military use.

Their site does carry a wide variety of survival gear and self defense systems that meet the requirements of Law Enforcement as well as Military Personnel and all of this can be found at TacticalSource.com Some of the brands They offer include Bushrag, Blackhawk, 5.11, Specter, BDS Tactical, Stealth Suit, Trijicon, and more.

Instead of spending hours and hours… just buy

Cheap Ghillie Suits

that are just as effective. (if not better!)

Article Source:

Cheap Ghillie Suits That Are Handmade }

The following Do’s and Don’ts help remind us all the things we must keep in mind to remain cautious.

1. Do’s – Be accountable for your IT assets and data, Adhere to Policy on use of IT services and facilities.

Don’ts – Do not store sensitive information in portable device without strong encryption.

1. Dos – Do scan all email attachments for viruses before opening them, use digital signature to send emails.

Don’ts – Don’t open email attachments from unknown sources, don’t click on links embedded

Reality check – 61% of Security & IT professionals believe their organizations will be the target of an advanced attack within next 6 months.

1. Do’s – Choose well-known or trustworthy e-shopping sites, check the trustworthiness of the e-commerce website (e.g. checking the SSL certificate)

Don’ts – Don’t make any e-shopping transactions using computers in Internet café, don’t share your IDs with others.

1. Do’s – Do keep your passwords or passphrases confidential, make sure that your password strength is strong and change it regularly.

Don’ts – Don’t share them with others or write them down. You are responsible for all activities associated with your credentials.

1. Do’s – Be aware of your surroundings when printing, copying, faxing or discussing sensitive information. Pick up information from printers, copiers or faxes in a timely manner.

Don’ts – Install unauthorized programs on your work computer. Malicious applications often pose as legitimate software. Contact your IT support staff to verify if an application may be installed.

Information security is crucial in organization. So it is crucial and important to all staff in an organization to have knowledge and understanding about the importance of information security practice to protect the confidential data. Should you have any questions or concerns regarding your organizations security or need any IT security consulting then please visit https://www.credenceone.com/information-security-consulting/

Submitted by: Terry Small

Athletes and even the ordinary individuals are prone to injuries and other physical damages due to many factors that can affect changes in their bodies. Massage therapies are used to address these painful conditions with the use of hands-on massage techniques. There are many different forms of bodywork that are effective in dealing with these sorts of health issues among all people who are in need of medical care.

Muscle Release Technique is a type of massage therapy that was created to target and treat muscle related injuries that causes pain and suffering to the client. Repetitive injuries or strain are the common physical conditions being treated by massage therapists who are trained and certified in this type of health care program.

The main idea or principle in Muscle Release Technique is that the overall health of the human body lies on the general condition of the various muscle groups. Any treatment should be done by working on the muscle tissues in order to promote health. Those who are after maintaining a healthy and quality lifestyle should at least make sure that these essential parts of the human body be kept in good condition almost all of the time.

During the therapy session, the treatment usually begins with physical evaluation through the conversation between the massage therapist and the client. The conversation is essential for the therapist to know what he or she is up to and what needs to be done. It is also informative as the massage therapist gathers valuable information regarding the affected areas of the client s body. Unlike most of the conventional types of therapies that deals with the muscle groups or tissues of our bodies where it requires undressing for total convenience on the part of the therapist, Muscle Release Technique therapy can be done on loose clothing. This therapy is an alternative treatment for injured people who are quite shy when it comes to taking off their clothes during therapy sessions.

The massage strokes and techniques are then conducted on the areas that need treatment. The release of tension through gentle stretching, fluid strokes, and movement techniques are used by the masseuse in order to break down adhesions, scar tissues, and relax the muscle tissues that are compressing and causing stiffness that results to body pain, restrictions in movement and flexibility, and eventually the weakening and shortening of the body part. Aside from the manipulation by using the massage strokes and techniques, the massage therapist also teaches proper breathing to the client as it helps in the quick recovery when using the Muscle Release Technique.

The benefits can be acquired through a longer period of time unlike other bodywork techniques due to the fact that injuries takes time to recover and get back to their normal condition. It is important that the client completes his or her series of treatment sessions as required by the massage therapist in order to fully recover from the health problem. Working with a professional massage therapist is also essential for a satisfying and a job-well done therapy.

About the Author: I write for TIR Massage Stone, the leading

hot stone

supplies provider. They carry products such as

massage rocks

, as well as many other accessories for hot and cold stone therapy.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1073975&ca=Wellness%2C+Fitness+and+Diet

VA Streamline Loan Guidelines What Every Veteran Needs to Know to Refinance

by

Mary D Wise

Veterans looking to refinance a Military home loan using a VA Streamline loan should know the basic rules of a Military loan. Created in 1944, the purpose of VA home loans and Streamline loans is to aid former military personnel in the purchase and maintenance of a home through a guarantee by the Veterans Administration on that loan. As a result, veterans with a VA home loan enjoy a lower interest rate than that offered by many private banks.

However, lately, many veterans have been reporting that their applications for VA Streamline loans have been denied based on a poor credit history or a lost value on their homes. Now, while no one wants to have bad credit, it happens to the best of us. Also, everyone knows that the housing market is in the dumpster these days. As a Veteran, there are still options, despite what the banks are saying.

The truth is many of the private lenders who are denying VA Streamline loans are actually interpreting the rules of VA lending incorrectly because they are unwilling to take the risk on the loan, which is wrong. Therefore, as a veteran looking to refinance with a VA Streamline loan, it is important to know the guidelines that the VA has set.

VA Guideline #1: No Credit

There are three main points that the VA stipulates to private lenders regarding the issue of VA loans. The first of which is that no credit score is required for the process.

Therefore, if the bank insists on running your credit score as a stipulation for the loan and you know you have a bad score that will impact their decision, walk away and find a lender who will follow the rules and leave your credit score out of this. There are lenders who will refinance a VA loan even if your credit score is as low as 560.

VA Guideline #2: No Appraisal

This is a really important guideline in the current housing market because so many Americans are upside down on their mortgages. The housing market crashed, we are all painfully aware of that. However, veterans who want to refinance current VA home loans to ensure that they can keep them, do not need to worry about this to a point. Do not allow a lender to tell you otherwise. You can owe up to $50k above what your home is currently worth and there are lenders who will work with you.

VA Guideline #3: Manufactured Homes Eligible

I want to be very clear, if you currently have a VA mortgage loan on your home, regardless of it being a manufactured home or a frame-built home, it is eligible for a VA refinance. It is that simple. As a veteran there are certain perks, you have a veterans loan and you are entitled to a veterans refinance. It is part of your service package and the fact that you live in a manufactured home does not change this benefit.

Some Stipulations

It is important to note that the guidelines above only apply to veterans operating with a current VA loan on their home. If you have a traditional bank loan and are looking to refinance with the VA, the stipulations for your loan may be a bit more stringent. However, there are those out there who will work with you, so you need to shop around.

Basically, as long you are willing to look and know your rights as a veteran, you can get the VA Streamline loan for your current VA home loan. However, there are many brick-and-mortar banks who will not work with you to accomplish this goal. It may be a good idea to look into online lenders and make sure that you find someone who is on your side and understands your rights as a veteran.

Mary Wise is a certified loan consultant who helps people get approved for

Loans for People with Bad Credit

and

Bad Credit Home Equity Loan

. To get help with your financial situation you can visit her at

badcreditloanservices.com

Article Source:

VA Streamline Loan Guidelines What Every Veteran Needs to Know to Refinance