The Blog of Toby Ray, Pastor of Shalom Heritage Christian Assembly. It usually pertains to those who are in control of a certain situation. Whether it be an elderly gentleman in charge of his home, or the boss of a company that has been there for a while. New ideas, new technology, and a changing culture is usually not welcomed and can even be condemned because it is different. You can only give away what you have.

This promises to be particularly interesting when moral hazard complicates the market allocation. Voluntary components can then lead to better second-best results than incentive systems. Hence, I analyse the effect of voluntary payments in labour markets, for consumption, and in finance. I work at the chair for Empirical and Experimental Economics of Prof.

I suck at photoshop and stuff, Not sure if I blew the colouring? Made a new ziner. Find one in the mail soon after. Hope lifes good for you. Been busy living, even though the rain is pouring. Life is good, hope yours is too. Did a few new ones the other day. This dude is dirty and smells. Thanks to everyone that came out for my opening at the Sitka store.