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Smart contract-enabled insurance holds promise, but can it be scaled?

A new insurance world is coming where smart contracts replace insurance documents, blockchain “oracles” supplant claim adjusters, and decentralized autonomous organizations (DAOs) take over traditional insurance carriers. Millions of poor farmers in Africa and Asia will be eligible for coverages like crop insurance too, whereas before, they were too poor and too dispersed to justify the cost of underwriting.

That is the vision, anyway, on display in the recent Smartcon 2022, a two-day conference that sought to provide “exclusive insights into the next generation of Web3 innovation.”

Subsistence farms, where families basically live off what they grow and almost nothing is left over, account for as much as two-thirds of the developing world’s three billion rural people, according to the United Nations. They almost never qualify for insurance coverage and most probably wouldn’t know what to do if it were offered.

“In sub-Saharan Africa, for example, where I grew up in Kenya, insurance is basically unavailable. 3% have access to it, but nobody buys it, basically,” Lemonade Foundation’s Roy Confino explained at the two-day New York City event.

The Lemonade Foundation, a nonprofit founded by United States insurer Lemonade, is behind the recent formation of the Lemonade Crypto Climate Coalition, a group that believes “blockchain has the potential to pool that risk together” and “basically solve the core problem that has inhibited the scale of insurance in the developing world for profit services and that is cost,” said Confino at Smartcon 2022. Founding members also include Hanover Re, Avalanche, Chainlink, DAOstack, Etherisc, Pula and

Insurance is problematic in poor nations for many reasons. It can’t be easily distributed because there are hardly any local insurance agents or brokers, and historically insurance is “sold,” not “bought.” Also, insurance claims can’t be validated without great expense because, typically, there aren’t any claims adjusters on the scene to make damage assessments. This renders underwriting un-economic.

But, it need not necessarily remain that way. Parametric insurance models can potentially cut producer costs by automating many traditional insurance processes, making it profitable to underwrite those previously deemed uninsurable. Sometimes called “index insurance,” these models insure a policyholder against a specific event by paying a set amount based on an event’s magnitude rather than the losses incurred.

For example, if rain hasn’t fallen in a certain predetermined region in Kenya for three weeks, a blockchain “oracle” — it could be a local weather station — automatically sends a message to a smart contract that remotely triggers a payout to the policyholding farmer’s smartphone. It bypasses the claims adjustment process entirely. It doesn’t matter whether an individual farmer’s field is damaged. All policyholders in the area are paid.

Crop insurance is a good use case for parametric models because many of the forces that can damage crops can be objectively measured, such as rainfall, wind speeds, temperatures and others.

Self-executing smart contracts also ensure that payouts for weather disasters and the like are almost immediate, noted Sid Jha, founder and CEO at Arbol — a parametric insurance provider — and this is especially important in the developing world where many farmers live hand to mouth. “You don’t have customers waiting weeks, months who in many cases can go bankrupt waiting for an insurance check,” he said, speaking at a separate Smartcon 2022 session.

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Parametric insurance isn’t entirely new; it has been around for several decades. But, blockchain-enabled parametric insurance has just emerged in the last few years. Most, if not all, its use cases are still in the pilot stage. The Coalition, for instance, isn’t expecting to scale up its programs until next year.

Many believe that legacy insurance systems could stand some substantial improvement. “Traditional indemnity insurance has many disadvantages: it is slow, bureaucratic, constrained to home damages, and comes with significant uncertainty,” wrote Wharton School associate professor Susanna Berkouwer recently. She described a parametric hurricane insurance product that employs blockchain technology in the Commonwealth of Dominica. NASA-generated hurricane alerts touch off automated international bank transfers to policyholders’ bank accounts. Projects like these are worthy of further study in Berkouwer’s view.

Hindrances remain: Will farmers sign up?

Supplying the world’s subsistence farmers with affordable crop insurance and possibly other protections via chain-based parametric insurance faces some daunting obstacles, however. One is educating farmers in the complexities of insurance. There is really no way at present that this can be done easily by technology or automation alone.

Tinka Koster and her colleagues at the Netherlands’ Wageningen University, for example, recently completed a review of the World Bank Group’s Global Index Insurance Facility’s (GIIF) engagement in Kenya. To increase index insurance take-up rates among African subsistence farmers, GIIF and others would need to boost “awareness, knowledge and understanding by the farmers about the insurance,” said Koster.

“The last-mile outreach is a key challenge for many services to smallholder farmers, including index insurance,” Koster told Cointelegraph in emailed responses coordinated with team colleagues Marcel van Asseldonk, Cor Wattel and Haki Pamuk. “Technology can help bridge part of this gap, but technology alone is insufficient.”

“Sales and product understanding are huge costs in often remote and difficult to reach places,” Leigh Johnson, assistant professor in the department of geography at the University of Oregon, told Cointelegraph. “Renewal rates are notoriously bad.”

“Many farmers need to see that insurance is a tool for managing risk and not for gambling on a certain outcome,” said Jha, who agreed that educating farmers on the need for risk management tools like insurance is critical. As Jha told Cointelegraph:

“When farmers are able to get access to some type of subsidized insurance provided by the government or an NGO, they become much more familiar and comfortable with the concept, and that education process becomes easier in terms of providing specialized coverage products that meet the unique needs of farmers.”

In GIIF’s Bima Pima product for Kenyan farmers, the World Bank Group program used village-based advisors (VBAs) to help distribute the insurance product — essentially taking the place of traditional insurance agents. The VBAs were paid monthly for their efforts. According to the Wageningen report, these advisers were “happy with the SMS messages and the direct premium payment. But they find it hard to convince farmers and are uncertain about the insurance pay-out because the product is so new.”

Does parametric insurance even need DLT technology?

If parametric insurance is going to succeed in emerging markets, does it even need blockchain technology? The World Bank Group’s GIIF parametric insurance projects in Africa, for instance, did not use blockchain technology. What exactly does index insurance lose if it doesn’t employ a decentralized digital ledger?

“Blockchain is simply a tool,” Jha told Cointelegraph, and one can use many tools to get the same outcome. Still, the digital ledger’s immutability and auditability can build credibility for the program:

“What DLT’s do provide is trust in areas that generally tend to lack trust, and allow for possibly a more efficient micro payment system than what currently exists in some of these countries in terms of disbursing and collecting funds.”

Johnson, on the other hand, comes down “squarely on the ‘no smart contracts’ camp, precisely because parametric contracts go wrong so often, and there is an important case for correcting these retroactively” in the interests of fairness and equity.

In a 2021 article, Johnson noted that environmental estimates made by parametric market devices used to commodify risk “are frequently wrong, sometimes grossly so.” In the first season of R4’s Ethiopian program, “one of the most globally renowned programs insuring smallholder farmers against weather risk using parametric indices,” wrote Johnson, R4 made an ex gratia “voluntary donation” to teff farmers “following rain shortfalls that did not trigger the contract.” Such transfers later became “fairly routine.”

“I’m not sure how much information farmers would require re smart contracts/blockchain at the time of enrollment,” Johnson told Cointelegraph, “but one can imagine them being extremely skeptical of unknown monetary technologies and firms.”

If blockchain technology could raise farmers’ awareness and knowledge about insurance, added Koster, “then it would also help for further upscaling the index [parametric] insurance in African context.”

Still, this all might take some time. Jha was asked how long it might be before agricultural insurance can achieve widespread usage among subsistence farmers in the developing world in places like Southeast Asia or Africa — two years? Five years? Ten years?

“Probably ten years,” Jha told Cointelegraph, citing the challenges of education, cost and lack of data, i.e., “everything from a lack of weather stations, crop yield history, and lack of data on farming practices.”

Many farmers need to see that insurance is a viable tool for managing risk, and this is where self-executing smart contracts could provide a powerful example. If farmers see their neighbors being reimbursed immediately during an extreme weather event, they might consider purchasing an index policy themselves.

Government subsidies could help. “There is a lot of work that is needed in terms of making insurance more affordable so that underserved stakeholders who need these tools can access them,” said Jha, while Johnson added, “I think the best progress will come from wider state adoption of safety net programs using parametric solutions — that’s how you get coverage at scale.”

In terms of scaling, the World Bank’s GIIF has already made some progress. “The milestone of one million farmers insured has already been reached in Zambia, with the index insurance bundled with the subsidized fertilizer programme,” Koster said, while in Senegal, GIIF is currently reaching half a million farmers, with a similar number in Kenya with a government-supported program.

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“This shows that it is possible to reach significant numbers of smallholder farmers,” Koster told Cointelegraph, “but not without significant government support.”

In sum, while parametric insurance models might enable insurance underwriters to pool risks, making it profitable to insure the previously uninsurable, and blockchain-enabled smart contracts can ensure that cash-strapped farmers received payouts during disasters almost immediately, much work still needs to be done in convincing financially unsophisticated and often distrustful farmers to sign up for such programs. Technology alone won’t do the trick, and state entities may need to get involved.


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Moeda Loyalty Points MDA White Paper

Hello and welcome to this blog post about Moeda Loyalty Points MDA White Paper. I am very excited to know that you are interested in this amazing technology, you will be going to amazed by the incredible potential of the blockchain.

There is a lot to learn about this futuristic tech, lets get started to dive into the Moeda Loyalty Points MDA white paper and start to leverage it to build a more secure and trusted ecosystem for Industry 4.0 applications.

The aim of this blog post is to help you quickly understand about the philosophy behind the Moeda Loyalty Points (MDA).

I can ensue you that, you will be able to understand every bits and pieces related to Moeda Loyalty Points (MDA) after going through the Moeda Loyalty Points MDA white paper.

Without wasting any further time lets get started to dive right in and lets understand white paper first.

What is white paper?

A white paper is an informational, influential, well-structured document, usually published by an organization, to provide in-depth information about a specific solution.

A white paper is used to provide a good insight into the challenges for a specific problem and a proposed solution for the same.

Moeda Loyalty Points MDA White Paper

Moeda Loyalty Points MDA white paper will be going to provide you, all the information that is needed to get started with Moeda Loyalty Points (MDA), including the inspiration for creating, the problem it is trying to solve and the solution proposed by Moeda Loyalty Points MDA white paper.

Must Read: Facebook Meta – The Complete Guide to the Metaverse and How it Will Shape the Future of Virtual Reality

MOEDA is a Cooperative Crypto Credit Banking-as-a-Service Platform designed to Distribute Impact and: – Provide Community-focused mobile lending system – Provide a multi-purpose digital identity and opportunities to build creditworthiness and reputation – Give investors real-time transparency of SDG-aligned Impact Investment and trust of cryptographically assured blockchain records and contracts – Facilitate to efficiently scale community investments, payment transactions and service more customers online MOEDA (coin in Portuguese) began as a hackathon submission for the Blockchain SDG Hackathon at IMPACT CONVERGENCE 2.0.

The team developed an idea that demonstrated how blockchain technology can be utilized towards United Nations SDGs (Sustainable Development Goals.). The submission was selected as the winner and invited to present to a global audience at United Nations ECOSOC Chamber.

White Paper Link: Moeda Loyalty Points (MDA) White Paper

That’s all for this blog post.

It will be great if you can help me to spread the word about this Moeda Loyalty Points (MDA) white paper by sharing this post.

If you have any questions related to the Moeda Loyalty Points (MDA) or need some further information or have some specific queries, feel free to ask your questions in Comment Section.

I monitor this section very closely and answer all your questions as fast as possible.

Also keep visiting us, as we keep on adding new content very frequently. You can also follow us on social media to get frequent updates.

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Black Wood DnD Dice Box Tabletop Vault Plant Bee Motif Wooden Hexagon Dice Case

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Note: This listing does not include the dice.

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Changing Times-Changing Worlds

The North East’s Favorite Metaphysical Conference with Heart and Soul!
November 16- 18, 2019

Honor’s Haven Resort & Spa

1195 Arrowhead Road
Ellenville, NY 12428

 The theme for 2019 will be about manifesting what we truly need.

We are excited about the new year, the website will be changing, a new, improved registration form will be posted this week. Also come on over to the facebook group to see what everyone else is up to.

This will be our tenth year, and we expect to bring back old presenters as well as welcome new ones, along with an expanded class offering, new panel topics, vendors, readers, and our new venue.
To celebrate ten years, we are showing our appreciation to you by offering some amazing discounts for vendors, readers, practitioners, presenters, attendees, and return attendees!  Visit our REGISTRATION page to learn more! We always have discounts for registering early, and remember, this is a group labor and we’d love to have you join us in this act of creation.

 Click here for blog posts and learn more about us.

We have workshops, panels, discussions, healing sessions, psychic readers, and vendors, with time to talk, eat, and shop. We look for both advanced material for experienced practitioners to expand their skills, as well as introductory classes for those just discovering new area to explore. As beings of spirit and body, it’s time to stop dreaming about our non-physical abilities, and learn to use them, safely, ethically, responsibly and practically. The change we want to make in the world is the acceptance and integration of what has been seen as “other” (supernatural, metaphysical, paranormal) but is normal and natural into daily life.

Registration for all three days is $88, but only $44 until the end of January!  There are also discounts available for volunteers, elders, students, groups, and early registration, day rates available. Contact us to find out more.

At this time we are eagerly looking for speakers, vendors, and others to join us creating this event!  Vendors who sign up by February 22nd will get a deep discount.

This stuff is real!

Check archives to see what panels and workshops we’ve done in the past. You can download many workshops from previous years in our shop for $2.99 each!


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Avaya Deskphones 2018-02-07T03:03:07+00:00

Avaya Deskphones

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Designed to serve the needs of a wide ra ge of business users, the 1400 Series Digital Deskphones offer a contemporary design with advanced audio technology and productivity enhancing features. These phones work with Avaya Aura® and Avaya IP Office.
Give users a familiar interface
The 1400 Series combines the best of past and present. Fixed keys—familiar to any phone user—provide easy access to the most common features, while flexible softkeys provide contextual guidance and prompts for ease of use and efficiency.
Deliver crystal-clear conversations
Integrated speakerphones and other advanced technology deliver clear, clean audio that will satisfy even discerning users.
Enhance the look of your office
The phones’ streamlined industrial design gives the office a sleek businesslike look.
Protect your investment
1400 Series Digital Deskphones have been engineered to adapt to a company’s growing needs. Easily attach headsets to the 1408 and 1416 models, and the 32-button expansion module for the 1416 can be programmed to deliver a wide range of features.
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Avaya 9500 Series Digital Deskphones enable businesses to deliver full-featured, durable, highly reliable communications solutions that meet the different needs of many users. The Deskphones have a smart design and deliver crystal-clear sound. The features are intuitive and easy-to-use―leading to increased staff productivity and streamlined communications that can help a company gain a strategic competitive advantage.
The 9500 Series is ideal for deployment in mixed digital and IP telephony environments, and for companies seeking to upgrade from or to add to existing Avaya endpoints.

Features and Benefits

Get great design and sound
The 9500 Series features large displays, all-digital labeling, and an integrated speakerphone that ensures everyone can hear and be heard.
Use a familiar, functional interface
There’s almost no learning curve with the 9500 Series. Most users will intuitively know how to use the fixed keys to access the most common features and the flexible softkeys with contextual guidance and prompts.
Make a long-term investment
The 9500 Series is designed to last. Offered at an affordable price point with many expansion options, including a headset interface, these phones can make a significant contribution to lowering the TCO of your communications solution.
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For businesses with basic communications needs, the 1600 Series IP Deskphones deliver familiar features at an attractive price point. They are ideal for office, branch, and call center use, and can be deployed alongside other Avaya phones, ensuring that all employees have exactly the functionality they need.
The 1600 Series combines the features of traditional and IP deskphones, delivering capabilities often found in higher-priced devices. All models feature backlit displays, high-quality full-duplex speakerphones, and buttons with dual LEDs (red and green) that give the user easy-to-read status information. They can support from three to 16 line appearance/feature keys and display up to four lines.

Features and Benefits

Get more for less
The 1600 Series offers telephone features not typically found in similarly priced models. These include backlit displays, support for multiple call appearances, a two-way speakerphone, dual-lamp LEDs, fixed feature keys, and a context-sensitive user interface with soft keys
Reduce transition and training time
For employees accustomed to traditional digital telephones, these models offer a familiar user interface—including context-sensitive displays and fixed keys for conference, transfer, and hold. This improves productivity and eases the upgrade process.Make a lasting investment
The 1600 Series IP Deskphones deliver security, reliability, and performance.


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“Taking to the streets”: Brazilian Demonstrations in the Twenty-First Century

From the Series: Protesting Democracy in Brazil

Photo by Semilla Luz, licensed under CC BY.

A joke is currently circulating in Brazil that encapsulates the current unexpectedly politicized environment. A passenger sneezes on a bus. Another passenger responds as is custom: “Saude!” (God bless you). Someone else, a bit distracted, overhears this and replies “More education.” Then someone else yells “Everyone to the streets, let’s protest.”

Were the street demonstrations a surprise? Yes and no.

Yes, if we consider that no social scientist predicted the geographic scope, the number of participants, the new form of making demands, or the targets of the protests. They were like a tsunami that geographers know is possible but whose date and intensity they cannot predict. And even a prophet could not have foreseen that it wouldn’t be merely the large metropolis, but also the cities of the interior of Brazil—small, medium, and large—to which the demonstrations spread in unprecedented fashion.

Seeking a parallel with previous political demonstrations in the country was a frustrating exercise. There was some parallel with the movement more than twenty-years ago for the impeachment of President Collor, who many thought had created an economic crisis; both movements involved young people and a request for government action. However, the “painted-faces”—as participants in that movement were called because many literally painted their faces—sought an alliance with the Brazilian Congress. This time, by contrast, the congress was one of the main targets of the demonstrators because of the many scandals its members have been involved in.

In fact, the “taking to the streets” that shook the country has more in common with the “Occupy” movement that began on Wall Street, or the “Indignant” movement in Europe, than it does with the movement in Brazil for direct presidential elections at the end of the military dictatorship in the early 1980s (“Diretas-Já”), which called “for democratic liberties.”

Much of what seems new in all of this has to do with the way protest was mediated. If in May of 1968 in Paris, at a pre-Internet time, a movement could spread globally and inspire students around the world—imagine the possibilities today.

Many observers claimed that the recent Brazilian protests involved no parties, and had no clear rallying points. Within the fragmentation, nonetheless, there was a great deal of consensus: against corruption, against the improper use of public money, and for more civil rights. Amid the many idiosyncratic posters, thousands of people identified with slogans such as:” FIFA-standard hospitals,” “More health and education,” “Down with Marcos Feliciano,” “Down with the Fetal Protection Law,” “Demarcation of indigenous lands and quilombolas,” or “Down with PEC 37.”[1]

Rio de Janeiro. Photo by Adriano Ishibashi/G1.

The demonstrations drew to the streets people with individual banners that had previously circulated on social media, and some with conservative slogans, but it also attracted organized groups. There were traditional causes such as those that bring together communities facing eviction because of construction projects for the World Cup and the Olympics. And there were older movements, like the collective Aldeia Maracanã, which is supported by the Brazilian Anthropology Association, and which defends the former building of the Museum of the Indian located at the Maracanã football stadium and that was threatened with demolition to make room for a parking lot. The alternative-media movement, TV Ninja, broadcast the gatherings from amid the protestors and from the point of view of the participants, showing the violent police repression.

The recent street demonstrations were not a surprise if we consider that demonstrations have been taking place on cyberspace for a number of months with just as many participants and the same objects of protest. They took place on social media that, using playful slogans, expressed indignation about a wide variety of issues everyday. They included people who took on the names of threatened indigenous groups (some switched their real name on Facebook—for examaple, John Doe for John Guarani-Kaiowá—seeking to call attention to the Guarani-Kaiowá Indians, who were refusing to leave a site they considered to be theirs, saying they were ready to die for this traditional land) and others who denounced the moralist conservative wave promoted by the neo-Pentecostalists, which had gained some purchase in the government of President Rousseff.

Social media are currently the true spaces of sociability, as one of the best-known specialists on the Internet, Manuel Castells, said recently. The streets did nothing more than transform into action what was already in word.

Brazil is experiencing a moment of undeniable social transformation, with a decrease in poverty—although inequalities remain enormous—and with large masses of people gaining access to what are often referred to as basic “human rights.” This was one of the reasons behind the “I demand more” sentiment. When, centuries ago, Durkheim wrote the book that inaugurated sociology (Suicide), he surprised everyone with an unexpected finding: the number of suicides was higher in times of greater abundance than in times of economic crisis.

At the same time, the Workers Party (PT) government had made political alliances that led to a shift to the right in issues that were crucial to minorities such as: the marking of indigenous lands and quilombolas (which have not been so threatened for years); sexual and reproductive rights (with the extension of criminalization of abortion); the displacement of poor populations to clear territory for stadiums or construction related to the global sporting events; and police violence in the favelas and poor suburbs.

Let’s hope the Internet continues to generate sudden gatherings of hundreds, thousands, even hundreds of thousands of people, as well as new policies, also keeps asking the same question in thousands of posts, as is currently occurring: Where is Amarildo? Amarildo de Souza is a construction worker and resident of the favela of Rocinha who disappeared after being arrested by police in July, 2013. He has been remembered in the social media as a symbol of the more than five-thousand people who have disappeared in Rio de Janeiro state alone in 2013.

1. Marcos Feliciano is a neo-Pentetencostal pastor and chairman of the congressional human-rights commission. He opposes abortion and same-sex marriage. PEC 37 is the constitutional amendment presented to congress that would have removed the investigative powers from various public agencies. It was voted on and rejected soon after the wave of large demonstrations.


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Sep 4, 2021

Dr. David Weill, author of Exhale: Hope, Healing, and a Life After Transplant, joins us to discuss his journey as a top transplant doctor. The book and this conversation offer an inside look at the successes and failures as doctors, and the personal balance and discovery that Dr. Weill went through during his career.


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How Grandparents and Grandchildren Stay in Touch

Young girl talks about what she loves about her grandparent.

By Lively

Grandparents Day Should Be Every Day

Although National Grandparents Day is officially the first Sunday after Labor Day, we at Lively hope that grandparents and grandchildren can get in touch every day! We understand the importance of children connecting with their grandparents and making the most of the wealth of advice and knowledge that older generations offer. Today, the 7,000,000 grandparents in the U.S., who are an average age of 48 years old, enjoy several activities including: exercising, using social networking sites, and talking to their grandchildren on a cell phone.

What Grandkids Love About Their Grandparents

We recently asked a group of amazing grandkids to tell us what they love about their grandparents, how they spend their time together, and most importantly, how they stay in touch. It’s no surprise that for the younger generations, texting and video chatting is the preferred method to reach out. Luckily, our easy-to-use cell phones have the right features to help grandparents and grandchildren stay connected with the younger generation. Take a moment to watch our interviewed grandkids share their favorite things about their beloved grandparents, whether they are called “Grammy,” “Nana,” or “G-Daddy!”
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Tagged with: active aging, aging, aging in place, caregiver, caregivers, caregiving, dad, grandkids, grandparents, grandparents day, independent living, mom, resources, seniors, staying connected, tech for aging, technology

95 thoughts on “How Grandparents and Grandchildren Stay in Touch

  1. Anonymous
    November 15, 2018 at 9:53 pm

    Sooo! Cute!!

  2. Anonymous
    November 30, 2018 at 2:52 am

    I think the word grandma should be changed for the same reason that this generation is younger now and the word grand ma sounds very old.

    1. K
      November 4, 2019 at 3:09 am

      I don’t care what my grand children call me. I don’t feel old. I feel privileged

      1. Emma Collins
        November 7, 2019 at 8:18 am

        To live, and have a long life is definitely a privilege.

        1. Lucinda Glenn
          December 10, 2020 at 3:14 pm

          I only have three grandkids, but they bring happiness to my life. I think having a good relationship with the grandkids add extra years to grandparents lives, especially if grandparents stay active in the grandkids lives

    2. Jannette Lassiter , Grandmama
      November 13, 2019 at 10:47 pm

      My grandchildren call me grandmama . I don’t care for grandma or granny , they remind me of the covered wagon days or ” Little House on the Prairie ” . I was very proud of being their grandmother and wanted people to know I was . Being called grandmother seemed too formal . Grandmama sounds sweet . When our 2nd grandchild started talking she would try to say Grandpa but it came out sounding like Grumpy and since he is a little bit grumpy sometimes, and we thought it was cute, my husband became ” Grumpy ” forevermore . It has stayed with him through 3 more granddaughters and 1 great grandson .

    3. Margaret mcCleskey
      December 5, 2019 at 9:21 am

      My grandchildren call me “Gran”.

    4. Donna
      September 13, 2020 at 3:07 pm

      I don’t care what my grandchildren call me so long as they call me.

      1. Marilyn Gilmore
        December 1, 2020 at 8:58 pm

        Me, too. Actually, my eldest grandchild called me “Grandma Marilyn” (my first name) when she introduced to some of her friends, and I was highly offended!! My name is Grandma. Period. Just “Grandma”!!

  3. Gail Guthinger
    November 30, 2018 at 2:03 pm

    I have grandchildren that don’t care about me because their mother doesn’t like me. I never hear from them and it breaks my heart because I love them.Especially around the holidays.

    1. Dionne C
      October 30, 2019 at 12:25 pm

      I’m so sorry to hear that be blessed

    2. Randy Verburg
      November 10, 2019 at 10:15 pm

      Ii feel the same way I took care of my Grand Daughter from six mouths old to four and a half. Daughter got out of Navy was home two maybe three days U-Haul truck pulled in she move most of my Grand Daughter stuff. About year and half of begging then gave me the ok to come down for a visit. I ended up in the ICU for nine days and then Mary Free Bed Rebuitaion for 5-1/2 weeks day she came to see me I was discharge. She started to see her mother again Stop seeing her when she moved in with me at Eight Years Old. Never wanted to see her mother. I tried to push her to see her I bought her a new car at 16 show your mother my mother told her so many times to go see your mother & her mother your grandma on that side before you leave for the US NAVY no Her Grandma came down with cancer so she was with her & her mother for that year, when she passed ask me to come to her funeral. Said her mother & Grandma said it Was Ok with them. The 9 days in the ICU I was given twice a day Steroids 5~1/2 Weeks in Mary FreeBed still after I left had to take a Driving Corse all over again at the age of Male 58-1/2 years old .. my Grand daughter I took care of way 11 years old Last Time I seen her/ her sister was 1 years old the Oldest That was 11 yrs old is now 23-3/4 yes old
      My mother her Great seen her at 20yrs old mixup thought she was dining, October 24, 2019 my Mother turned 92 Not even a card from any Grand Daughter Or Great Grand Daughter,, mother is doing fine Bet she could out run the three of them still !! My Health with MS going down hill more each year mom getting older, her Aunt only one on my side has Cancer removed 1/2 lung now the other lung . I lost my wife her 2nd step mom I did gotten married year after her move out, No card passed away day after my daughters birthday her mother called said you missed your daughter birthday on April 19th said my wife was in hospital and passed on the 20th of April Theres is a Gift Shop at Hospital they have Cards. So then my daughter Turned 40 I sent 40 cards her mother call said she was there taking care of her Grand Babies 17 & 8 yrs old she toss all them cards in her trunk Was so Childish of me to Mail So Many Cards !!!
      So a Grand Pa a Dad A Great Grand Ma Misses there Daughter Grand Daughters & Most of All Great Grand Daughters Who know maybe this Day and Age maybe My Mom is a Great Great Grand Ma And myself Randy a Great GRAND PA But sorry even if I’m not by Births I still feel some one great oof all I did.. 😥Randy🙏🏼♿🇺🇸 Wingnut i miss you so much !!

    3. Jeannie Kaye
      November 12, 2019 at 1:11 am

      Who wrote that about grandchildren? And mother who doesn’t like u? Was it me? It’s exactly the same for
      Me. I’m not allowed to see or speak to them. My son is an idiot.

    4. Terry mitchell
      November 12, 2019 at 2:45 am

      I have the same problem I have been blamed for things I didn’t even know about because they needed someone to blame. It hurts

    5. Anonymous
      November 19, 2019 at 3:00 am

      This is so sad and you should try again to make good out of bad. It takes a bigger person to keep trying, Those children need to know you and the love you can give,

    6. Anonymous
      November 26, 2019 at 1:08 am

      That’s so sad🙏🏻

    7. Randy H
      December 13, 2019 at 4:04 pm

      I have same situation with my Daughter & Grandson. He’s 6 years old and I have only seen him two times. I keep trying to stay in touch with them,but it’s very hard to do. I know that we didn’t get along with she was teen ager since I didn’t let her always have her way,but I’m hoping that I she can eventually forget about the past and move on!

    8. Anonymous
      December 26, 2019 at 4:24 am

      What a shame they are deprived from their grandmother.

    9. marilyn flax
      May 24, 2020 at 6:24 pm

      what about their father? You can call them

    10. Anonymous
      August 30, 2020 at 10:20 pm

      That is so sad, I can’t imagine my life without my grand babies.

    11. Doris Appelbaum
      November 18, 2020 at 6:59 pm

      I have two in AZ that I hardly know and one in WI – all for the same reason.

  4. Ellen
    December 1, 2018 at 2:56 pm

    My Grandkids call me Grandma Ellen.

  5. Anonymous
    December 5, 2018 at 12:47 pm

    Two of My grand children call me grama and one calls me gammy and my youngest decided he was going to call me yah yah 🙂 what ever they call me is fine as long as they call 🙂
    A grand parents love for their grand children is like no other 💖

    1. Juanita Browne
      November 13, 2020 at 1:24 am

      That would have upset me 😔 if grandkids were. not in my. Life. I pray that you and you family will be. Able to make amends with each other . Because Life is. too. too short. To. Hold grudges . I. Love my family and grandkids and they. Love me. God Bless you.

  6. Anonymous
    December 11, 2018 at 9:16 pm

    GRANDMA is the sweetest thing I have ever been called!

    1. Anonymous
      May 26, 2020 at 10:38 am

      I am Grandma also. I agree…sweetest word there is !

  7. Anonymous
    December 11, 2018 at 11:17 pm

    My granddaughter who is an adult now calls her other gma “the card grandmother” because her only contact is a card once or twice a year. Many times during her life she really could have welcomed some help, which her mom and I have provided, but her birth father and his mother never have. He never paid a cent in spite of “child support enforcement”. Now her card grandmother has a snit fit because granddaughter has chosen not to continue contact. Ridiculous. It is supposed to be about the child, not the adult.

  8. Chris Tierney
    December 13, 2018 at 4:02 am

    My oldest grandson insisted on calling me mommy. I told him that was his mommy’s name when he was 2. He said I was his mommy too. The next day he told me he had a name for me. Drum roll please! Grammy Mommy, so that is my name.

    Funny story; even at a young age to 6 now, that grandson calls me mommy when his mom is not around, Grammy Mommy when she is and he is happy with her and Mommy when she is around and he is mad at her for something. He is one very astute little guy!

  9. Kim
    December 15, 2018 at 7:38 am

    I have a 7 yr old grandson whom I adore and am able to spend a great amount of time with each week. He calls me beautiful grandma and I call him beautiful grandson. I am able to speak into his life by teaching him scripture and praying over him. I know as an important adult in his life that we have a certain amount of time to help him grow into the man, husband and father he was created to be and am blessed to be a part of this.

    1. Anonymous
      November 3, 2019 at 4:04 pm

      Hi Kim, my grandchildren call me BG for “beautiful grandmother”, but I named myself🥴

    2. Jackie B
      November 24, 2019 at 3:50 am

      I thank God for my granddaughter she,is my only grandchild I feel so bless to be73 years old and my granddaughter is only 5years old I pray the God grant me more years in this life so she would get a chance to have a memory of me I spend as much time as I can with her I pray o so she will know theLord.🙏

    3. Anonymous
      November 24, 2019 at 4:13 am

      So blessed to have a granddaughter my only grandchild iam 73 years old and fell truely blessed to be here to share some time with her so she will have some memories of me praying God grant me a little more time

    4. Jackie B
      November 24, 2019 at 11:53 am

      So blessed to have a granddaughter my only grandchild iam 73 years old and fell truely blessed to be here to share some time with her so she will have some memories of me praying God grant me a little more time

  10. Carolyn stjohn
    December 17, 2018 at 10:46 am

    I have grand children ldren who love me now, but their mother is working very hard at changing that. She is jealous: of any attention they give to anyone. She is also trying very hard to alienate my son from his family. She is a Welfare Queen. 5 kids ages 15 to newborn, never mArried!

    1. Mary
      December 5, 2020 at 3:24 pm

      sorry to hear that, two sons and I were very close, then the wifes entered . The other 3 kids no issues. Havent seen those 2 sons and their kids in 3 years. I send cards with gifts no responses.
      It is very hard with holidays, birthdays to get past. The only door I have is to to keep being myself and keep door open.

  11. Anonymous
    December 17, 2018 at 12:43 pm

    My granddaughter calls me abui, my oldest grandson calls me Manama, the youngest grandson calls me mama to me those names sound like heaven.

  12. Rose
    December 18, 2018 at 7:31 pm

    My Grandson is in second grade and the teacher asked the children what they liked regarding a Christmas tradition and he said, “I love when my grandma Rose visits as we live miles apart. I am so proud of my Grandsons goes to show material gifts are not his priority.

  13. Anonymous
    December 20, 2018 at 4:57 am

    I’m known as Gunga to my grandchildren. Blessed with four and then two more that came with their mom. The little ones keep me young and the older ones keep me loving life.

  14. Celestine McClellan
    December 22, 2018 at 12:55 am

    I love my grandkid so much. I love watching my grandson grow from a paw patrol to a warrior’s fan. My granddaughter is so adorable. I love when she ask me about her mother(my only child). She says grandma, when my mom was little…I also love when we pamper ourselve together at the nail salon. She loves it and so do I.

  15. Kgriffin
    December 23, 2018 at 4:07 pm

    I am Nana to three and Grandmom Karen to the other three. Although I prefer Nana. But that was reserved for the Boys other Grandmother.

  16. Denise
    December 24, 2018 at 2:22 am

    I work at am elementary school where my grandsons go. 1st grade 3rd grade 5th grade. They are wonderful boys and I get a hug from each one every day at work!! I am so blessed!

  17. Lindia hammock
    December 24, 2018 at 4:37 pm

    I have a 6 year old grandson Ethan he calls me nana and tells me I am beautiful love him so much💕💕

  18. Anonymous
    December 26, 2018 at 6:41 am

    My grandson calls me grandma as so his half brother and sister. I love all of them. I love being a grandma.

  19. Anonymous
    December 26, 2018 at 3:52 pm

    it seems we have moved up a grade to great grands.Take what you get when you can……grand parents come first..then it’s a special occasion ……..we have let it go…cuts back on gift giving,etc. all depends on how well we know them.Not as much fun!, we expected different…but ….

  20. Nancy Legue
    December 27, 2018 at 4:22 pm

    I have 3 grandchildren and 4 stepgrandchildren. My grandchildren call me Grammie. Two of my step grandsons call me Grandma Nice Lady. Of the remaining 2, one calls me Nance and the other one calls me Uncle Nance!

  21. Urs
    December 27, 2018 at 6:17 pm

    I’m Gramum☺

  22. Marcie Luna
    December 28, 2018 at 4:50 am

    4 grandkids. 1 boy and 3 girls. Ages 7 to 2. They call me MiMi and an occasional NerNer from my grandson

  23. Anonymous
    December 28, 2018 at 9:34 pm

    I’m a Great, great Grandmom. So I’m called Grandmom, Gmom and Nana Jean and I love it all.

  24. Anonymous
    December 29, 2018 at 5:34 pm

    I have 3 grands 2 girls and 1 boy the oldest is 12 then one 7 and my grandson almost 6. They call me Marmie. I spend as much time as I can with them and keep them supplied with homemade chocolate chip cookie dough to bake whenever so they can enjoy “Marmies ” cookies.

  25. Elyse
    December 29, 2018 at 9:03 pm

    My 4 grandsons call me Nannie. I chose that name when the oldest was born. It’s what I called my grandmother when she was alive. They are now 2, 3, 4 and 5. Two daughters who had kids in alternate years. I love how close in age they are and hope they’ll always be close with their cousins.
    I love spending time with them and having them spend the night.

  26. Linda Patterson
    December 29, 2018 at 10:47 pm

    My grandchildren call me Grammy!

  27. Sue Cuttriss
    December 30, 2018 at 4:46 am

    I have a friend who is called Granna. That sounds fun and modern to me.

  28. Mimi
    December 30, 2018 at 8:28 am

    I’m called Grandma Linda, Grandma, and Mimi.

    I love all of my biological grandchildren and those that have been adopted into our family.

    There is no other sound that steals my heart as a child calling to me out of love.
    They are all a Blessing from God.

    Some have grown away from me.. 😥

    Some keep in touch tho growing up so fast. I treasure time together, text and calls.

    Others are young and still close to me. Always near, wanting time… Priceless memories.

  29. Bennie
    December 30, 2018 at 2:18 pm

    I have a 7 yrs old grandson he call me Ema, 29yrs old granddaughter she call me mama. I love them so much

  30. Anonymous
    December 30, 2018 at 10:53 pm

    My grandchildren call me G.G. I also have 28 greatgrandchildren. I’m very “rich” in what counts. Love my babies.💕

  31. Maureen Stover
    December 31, 2018 at 7:16 am

    My 6 grandchildren call me Moe Moe which is short for Grandmoe!

  32. Anonymous
    December 31, 2018 at 5:45 pm

    I am joining the club. Love to hear from you all and share your thoughts, love,and sorrows.
    I am Grandmere. Long distance though. ..

  33. Shirley Tucker
    January 7, 2019 at 8:49 am

    Two of my grandchildren call me MawMawShirley, ,(an old Southern name for Grandmother); the other four call me Nonnie. (It was supposed to be Nana but evolved to Nonnie). Then we learned that Nonnie or Nonnie is actually Grandmother in several countries. Either is fine as long as they call me.

  34. Anonymous
    January 24, 2019 at 12:13 am

    My 2 great grandsons call. me GiGi which I like alot. My grandaughters & grandsons call me grandma aka GmaJo. They can call me whatever just call!

  35. Anonymous
    May 28, 2019 at 10:33 pm

    Some of mine call me granny grump
    Some people think thats funny or kinda ugly. Hey they call me and thats ok.

  36. Anonymous
    June 12, 2019 at 7:28 pm

    My two grandkids call me Gee. I love it. I know that all grandchildren want most is my time. The other grandparents are busy. I know someday soon they will be too old to hang out with little old Gee but they will always remember our time together. Best part of growing old.

    1. Anonymous
      November 24, 2019 at 7:37 pm

      I have many grand and great grand children. I love them all, 3 Engineers, 2 Computer eng. one Judge, one Dr. one Therapist for addiction, one serving time and some in schools, all are important to me and all close and loved. We all are learning and are grateful to God for our close family. every one is important to me and my husband. I have different names, one even tried Ya Ya on me and I am not Greek.

  37. Abuelita
    June 12, 2019 at 11:16 pm

    My Grandchildren call me
    Abuelita. Which I Love as much as I Love my Five Grandchildren

  38. Eve Rothfarb
    June 25, 2019 at 5:34 pm

    My husband and I are Baubbie and Zaiddie, as were my parents and grandparents. What an honor and blessing.

  39. Anonymous
    July 26, 2019 at 3:55 am

    I have 2 beautiful granddaughters and they call me Mamaw.
    I use tobthinl my daughter calling me mommy was the most precious sound on earth, until I heard Mamaw for the first time.
    It made me “melt like a popcycle on the 4th of July.”

  40. Grandma Barbie
    August 6, 2019 at 2:36 am

    When my grandson was tiny he called me Grandma Barbie. Around that time, my mother passed away and she was Memaw, so we decided that I would take over where she left off and now I’m Memaw. I am blessed now with two that adore me.

  41. akin caldiran
    August 18, 2019 at 11:57 am

    l am q 85 years old immigrant man from Istanbul/Turkey, l have 4 grand kids, l love them more than any thing in this world, they bring me happiness , when l hug and kiss them l feel younger, and healthier and do not want them go , l never love any thing in my life like l love them

    1. Grammy
      September 8, 2021 at 1:38 am

      That is the sweetest thing I’ve read here!
      Good for you, loving your grand baby’s as such! Their love is a wonderful feeling!

  42. Marcia “Baba” Miller
    September 2, 2019 at 10:31 pm

    My grandson named me Baba. I don’t know why but I love it cause he gave me that name. He has a little sister due to be born in October. I hope she’ll join in in calling me Baba too

  43. MJ
    September 3, 2019 at 2:08 am

    I am a Mimi, just like I called one of my grandmothers. Last year, when I volunteered in my youngest granddaughter’s kindergarten class the kids called me Allie’s Mimi. I loved it! I currently live about 5 hours away from my granddaughters, but am lucky enough to be able to visit for a week each month. Hopefully this time next year I’ll be living much closer!

    September 3, 2019 at 8:02 pm

    I have 9 grands and 3 great grands. I’m called “Nana”. I love them to the moon and beyond. I was Blessed to spend time with all of them this summer.

  45. Anonymous
    September 5, 2019 at 1:15 pm

    My two grandkids callMe GaGa! When the first was born, I decided to be called whatever word he first called me!

  46. Anonymous
    September 7, 2019 at 1:30 am

    My eldest named me MeMom and the rest of the grand children have called me MeMom ever since.

  47. Judy
    September 12, 2019 at 3:14 pm

    I’m very blessed to have three precious grandchildren. Words don’t describe my love for them. For anyone who for one reason or another do not have the blessing of seeing or being in touch with their grandchildren, I want to encourage you to go find a child that you can love on. There are thousands of children out there who need that nurturing love that only a grandparent can give. Visit them, call them, send them cards, attend their school functions, take them for an ice cream, off the parents to have a weekend off and have them overnight. You don’t have to be grandchildless with so many who are in need of your love and attention. xo

  48. Anonymous
    September 13, 2019 at 1:50 pm

    My grandson gave me the name “Badu” when he was just a baby. I don’t know where it came from but I am so proud – I don’t think there is another person called that. When he was 3, he said I was a Grandma but I was his Badu!

  49. cecile
    September 14, 2019 at 9:05 pm

    My Granddaughter calls me LOLA(Filipino Grandma). She always tells me she loves me this much(her arms are sooo wide apart).Sometimes when she spends night with us, she refuses to go home.I told her that I can give her everything she wants including my life. She is our one and only grandchild.I love her sooo much.

  50. Virginia OBrien
    September 14, 2019 at 10:34 pm

    My name is Ginnie but my grandchildren call me Gimmie. Gimmie this and Gimmie that. It was a name my son told them to call me. I love it. my husband is called Beepa given to him when our only granddaughter started calling him that
    when she was 2.

  51. Lynn Krim
    September 16, 2019 at 2:15 pm

    My amazing grandchildren live all over the US yet I am able to stay close to them all. They range from 13 to 27. They call me Grammy, Gram, GramGram and The Gramster. Eighteen years ago we lost a beautiful 3 year old in a terrible accident. She called me her “Best Fwiend”.

  52. Anonymous
    September 17, 2019 at 5:15 am

    I am blessed to be Nana to four grands and two great grands…. love hearing Nana shouted at me but it IS NOT the name but the children that matters and the memories of my own Nana! In the world we live in today, it is these small kindnesses in our family that matter. Love you Austin, Taylor, Meghan, Alex, sweet Lilly and Little X ❤😁❤😁❤

  53. Betty J Johnson
    September 29, 2019 at 3:29 pm

    I have 11 grandkids,13 great grands and some call me grammy,some nana ,I love them spoil much.

  54. Laura Harker
    September 29, 2019 at 5:34 pm

    I have taught my great grandkids to call me “Grandma the Great”:)

    1. Jeannette Ross
      September 11, 2020 at 3:57 am

      My little grandson calls me MiMi I just
      Love that name.

  55. Barbara Haggerty
    September 29, 2019 at 6:51 pm

    My grandchildren call me Nama and my husband Tapa.. my oldest grandson gave use those names and they as well as our grandchildren mean the world to us

  56. Dionne C
    October 30, 2019 at 12:34 pm

    I have 9 grand kids and my 10th is due in 7 months I love all my babies and I love when they call and facetime me just t say Hey grandma what are you doing.

  57. JMS
    November 7, 2019 at 12:16 am

    We are of Irish decent. My son met a gentleman from Ireland who told him grandparents were called Morai and Daideo. So that is what our grandchildren call us. Even if it’s not true, it’s been that way for 17 years. Not going to change now!

  58. JMS
    November 7, 2019 at 12:18 am

    We are of Irish decent. My son met a gentleman from Ireland who told him grandparents were called Morai and Daideo. So that is what our grandchildren call us. Even if it’s not true, it’s been that way for 17 years. Not going to change now!
    11 grands 2 more on the way. I’m

  59. Anonymous
    November 7, 2019 at 10:11 pm

    We have 5 grandchildren and 4Greats Love Love them all the same!!!! They call us Granny and Paw Paw!!!

    1. Anonymous
      December 16, 2019 at 8:20 pm

      My mother had platinum blonde bleached hair; my mother-in-law had very dark colored hair. My little boy called them his white Mam-maw and his black Mam-maw.

  60. Pat Owens
    December 21, 2019 at 1:44 am

    My grannies call me Mom Pat. This is my choice! They call their other grandmother, grandma, her choice. When they come to visit me, I make sure they have everything they like to eat. I enjoy taking them to the movies and spending quality time with them. I love them wholeheartedly and my son and beautiful daughter-in-law.🥰

  61. Anonymous
    January 18, 2020 at 5:42 pm

    I have no daughter, God blessed me grand daughter beautiful arnaaz , she bring me smile for ever, she call me dadi ji thank God .

  62. Laurie Baird
    June 11, 2020 at 6:15 am

    Great Job. I love my Jitterbug.Flip Phone keep up the great work. Have a good day. Thank You
    Laurie Baird

  63. Mardelle Werkman
    September 2, 2020 at 3:58 pm

    My husband was called grandpa Dick and I was grandma Del. We had the most special 3 children and 5 grandchildren. We went to many of their games to cheer them on. They were all great athletes. All within 1 1/2 drive. Now they are grown and I have a have great granddaughter. Life goes so fast. We all get along so well. No complaints. My husband has passed. I miss him so much.

  64. Vicki
    September 12, 2020 at 2:46 am

    My granddaughter calls me Nama, she could pronounce the G in grandma so I became Nama. I love it and I love her❤

  65. Teresa Zbikowski
    September 19, 2020 at 1:47 am

    I showed my oldest grandkid a picture of herself and said me me (she was just learning talk ) and me-me and we laughed and now I have 5 grandkids ranging from 16 years old to 3 years so I am now and called by my 5 grandkids ME-ME and 64 year old husband calls me ME-ME….I love the name because my oldest granddaughter named me ME-ME…Love each one of my grandkids very much💙❤💜💛🧡 a heart for each grandkid

  66. Sue
    December 5, 2020 at 1:04 am

    Had to quit reading these comments. Having just become an Amma I can’t imagine not seeing my infant grandson. But, if your children are keeping you from your grand babies you should examine why that might be. There is a reason and it probably has to do with you. I’ve never heard so much whining and complaining.

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text:
IB Spanish B 11 and IB Spanish B SL 12

Course Outline

The main focus of the IB Spanish B course is on language acquisition, and the development of skill. It is designed for students with some previous experience in the Spanish language. The Spanish Language B gives students the opportunity to reach a high degree of competence in Spanish as well as to explore the Spanish cultures throughout the world.

Teachers organize their Spanish IB syllabus around five themes: identity, experiences, human ingenuity, social organization, and sharing the planet. IBO has the expectation that students will develop receptive, productive and interactive skills and gain insight into the Spanish culture through the exploration of these three concepts.

Spanish Language B has a communicative approach to teaching. This in turn implies that all teaching will be carried out in Spanish . It is also essential that students in this course are exposed to a very wide variety of texts from a variety of sources, including audio and audiovisual material. Spanish Language B teachers will use four types of text, which students need to be familiar with: informative texts, literacy texts, mass communications texts (e.g., advertisements, brochures, and journalistic texts). Much of this material will be chosen to bring insight into the Spanish cultures throughout the world. There will be an emphasis in class and in outside assignments on composition, essay writing, vocabulary, reading, and conversational skills.

The final grade comprises an external component of 75 percent and an internal component of 25 percent. The internal component (25 percent) is based on a recorded individual oral assessment of a visual stimuli and follow up discussion between teacher and student. The external component (75 percent) is a final examination made up of one paper (25 percent) which requires a written response of up to 400 words, from a choice of texts provided, and a second paper (50 percent) which assesses listening and reading comprehension from 3 audio passages and 3 written passages.

For more information please go to: https://ibo.org/


text:
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Nitrile Style 9122 is a high performance, black Nitrile rubber sheet material manufactured by Garlock®. It has a hardness of 60 durometer and withstands temperatures from -20 to 250°F (-29 to 121°C). This premium grade rubber material provides superior resistance to aliphatic hydrocarbons, such as Oil, fuels, and many types of solvents.

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SKU: CG9122 Categories: ,
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ASTM D2000


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text:
McIntosh Running for Council

Democrat Peter McIntosh is the fourth to seek the party’s nomination for City Council, Graham Moomaw writes in the Progress. The retired attorney is campaigning on a platform of economic development, building the Meadowcreek Parkway, building the YMCA in McIntire Park, and building a new dam rather than dredging the reservoirs. McIntosh has served on loads of boards for decades, and is a well-known name around town.

This makes a total of seven candidates for the three seats. The election is in November.

2 thoughts on “McIntosh Running for Council”

  1. And he keeps trying to friend me on Facebook, even though we’ve never met. At least with that platform, I know who I *won’t* be voting for.

  2. Why is someone with Republican positions running for the Democratic nomination? Don’t they have their own nomination process?

Comments are closed.


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Capturing the Loyalty of the modern customer

22 Junio 2022, 12:20 - 13:00

"Customers expect more than ever before. Loyalty is becoming harder to capture, and many organizations are left wondering how to succeed in this new era of the Experience Economy. It's time to break free of many of the legacy techniques and mentalities that have been holding us back, and embrace a bold mission-driven approach to CX. By galvanizing employees around the brand core, measuring customer behaviors in enhanced ways, and nailing our digital experience, we can still capture the hearts and minds of our customers long-term. Key Take-Aways:
- Unifying the organization around the principle of mission-driven CX to bring urgency and meaning to the work
- Using modern methods to enhance your Voice of Customer engine and understand your customers like never before
- Building a 360 degree view of the customer to reduce friction and enhance the digital experience
- Leveraging an intelligent change management framework to grow the work of CX over time

Nate Brown


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Tag Archives: AI

AI and Immortality

I’m sitting around in Bali, feeling bored (1). So it seems an appropriate time to finish writing this article, which I started a while back then put aside. In the last few months I’ve been reading a lot about Artificial Intelligence … Continue reading

Posted in Change, Engagement, Retirement | Tagged , , | 1 Comment


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Engineered cyclodextrin derivatives for spontaneous coating of highly porous metal-organic framework nanoparticles

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Nanosized metal-organic frameworks (nanoMOFs) MIL-100(Fe) are highly porous and biodegradable materials that have emerged as promising drug nanocarriers. A challenging issue concerns their surface functionalization in order to evade the immune system and to provide molecular recognition ability, so that they can be used for specific targeting. A convenient method for their coating with tetraethylene glycol, polyethylene glycol, and mannose residues is reported herein. The method consists of the organic solvent-free self-assembly on the nanoMOFs of building blocks based on β-cyclodextrin facially derivatized with the referred functional moieties, and multiple phosphate groups to anchor to the nanoparticles’ surface. The coating of nanoMOFs with cyclodextrin phosphate without further functional groups led to a significant decrease of macrophage uptake, slightly improved by polyethylene glycol or mannose-containing cyclodextrin phosphate coating. More notably, nanoMOFs modified with tetraethylene glycol-containing cyclodextrin phosphate displayed the most efficient “stealth” effect. Mannose-coated nanoMOFs displayed a remarkably enhanced binding affinity towards a specific mannose receptor, such as Concanavalin A, due to the multivalent display of the monosaccharide, as well as reduced macrophage internalization. Coating with tetraethylene glycol of nanoMOFs after loading with doxorubicin is also described. Therefore, phosphorylated cyclodextrins offer a versatile platform to coat nanoMOFs in an organic solvent-free, one step manner, providing them with new biorecognition and/or “stealth” properties.

Cutrone, G., Li, X., Casas-Solvas, J.M., Menendez.Miranda, M., Qiu, J., Benkovics, G., Constantin, D., Malanga, M., Moreira-Alvarez, B., Costa-Fernandez, J.M., Garcia-Fuentes, L., Gref, R., Vargas-Berenguel, A. (2019) Design of engineered cyclodextrin derivatives for spontaneous coating of highly porous metal-organic framework nanoparticles in aqueous media. Nanomaterials 9(8),1103

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FamilyLife Today®

Important Topics to Discuss During Engagement

with Dennis Rainey, Various | May 14, 2010
Play Pause
You've discussed rings, invitations and wedding guests.
  • Show Notes

  • About the Guest

  • You've discussed rings, invitations and wedding guests. Now it's on to the really important discussions. Dennis Rainey covers some of the topics engaged couples need to discuss, like how to handle conflict, money, and the past.

You’ve discussed rings, invitations and wedding guests.

Important Topics to Discuss During Engagement

With Dennis Rainey, Various
May 14, 2010
| Download Transcript PDF

(Creative piece)

Leslie:  Brad I need to talk to you about something.

Brad:  Hmm, what's up?

Leslie:  Well it's about the attic.  I mean this stuff in the attic, my stuff.

Brad:  Okay.

Leslie:  Come here.  I don’t want to tell you about this but I good if you are going to by my husband well it won't be right not to tell you.  Sometimes I try to get up here and clean it out but I usually don’t even make it up the stairs.  It's pretty scary when you are by yourself.  And the bad thing about it is you are kind of inheriting this junk.  When we get married this won't be just my mess anymore.

Brad:  I guess that’s true.

Leslie:  You are not mad at me, are you?

Brad:  No, Leslie, I love you.  You are going to be my wife.  Sure, this attic’s a mess but we will clean it up together.  I will help you no matter how bad it is.

Leslie:  Oh Brad!

Brad:  Who knows, maybe you can help me clean up some of my old junk.

Leslie:  You mean?

Brad:  Yeah.

Bob:  And welcome to FamilyLife Today and thanks for joining us on the Friday edition, Friday, May 14th.  You had some stuff you brought in the marriage, right?

Dennis:  Right.

Bob:  Everybody does, don’t they?

Dennis:  There was an attic, that’s right, it had some junk up there and yes in fact it takes, I don’t know, two or three decades of kind of working through the stuff.  I know some of the engaged people or singles who are listening to our broadcast are going, “What?  It takes that long to unpack your bags or clean out the attic?”  Well you know what? Marriage is hard work and you just don’t realize how much stuff you bring into a relationship called marriage.

Bob:  The good news is if you do some work ahead of the time it can make the attic cleaning easier after you get married and that’s what we have been encouraging folks with all this week is some of that premarital preparation.  More than a decade ago our team put together a workbook called Preparing for Marriage; that workbook has been used by tens of thousands of couples over the last decade plus.  It's just been revised and updated and with lots of folks getting ready to get married this summer or into the fall we thought it is time to revisit some classic material to help couples get ready not just for a wedding but for the marriage that follows the wedding.

Dennis:  Yes.  And there are a couple of things I would recommend to single people and engaged people to do before they get married.  One is go through this Preparing for Marriage workbook together with the person you are about to spend the rest of your life with.

And secondly make sure you go to a Weekend to Remember.  I mean the combination of that workbook and the weekend to remember in my opinion it is a one-two punch that will really help your marriage go the distance and it will give you a foundation and strengthen your relationship for the long haul.

Bob:  In fact as we start here today we are going to hear from one of our speakers at the FamilyLifeWeekend to Remember Ann Wilson, who remembers the adjustment that she and her husband Dave had to make in the early months of their marriage because it was different than they expected it was going to be.

Ann Wilson:  Seventeen years ago I sat in a room like this and in two weeks we are about to be married.  I will tell you what we sat in here and we became so excited because we had never heard of God’s blueprint for marriage.  And it gave us so much hope, it gave us so much to look forward to and our expectations of what we could have rose significantly.

Well six months later we moved to Nebraska.  And as those six months were rolling along we were amazed at just how different we were.  We were amazed at how shattered our dreams had become.  And on the drive from Finley, Ohio to Nebraska we got in one of the greatest fights we had ever been in.  I turned to Dave and I looked at him and said you know what it was a mistake that we ever got married.  And he turned to me and said you are absolutely right.

You know my thought was, “What have we done?  What were we thinking?”  I was 18 when we met and now I am 19.  I was young, had sexual abuse in my past, it was affecting us right now.  Dave came from a divorced family with two alcoholic parents. We had so much garbage and the tendency for me was to think it was a huge mistake. This was not God’s will.  This was not God’s plan we should just split.

How can you go six months prior to that of having these great hopes and expectations for this godly marriage and six months later say words like that to one another?  That pierced my heart and hopelessness just descended and the walls just started building up.

Bob:  What Ann Wilson has outlined for us is all too common scenario for young couples who may have heard God’s plan for marriage but have not found out how to implement it in their marriage.

Dennis:  The Apostle James said this, “What causes fights and quarrels among you,” now just wait a second, think about that question.

Bob:  It’s a good question.

Dennis:  That’s a great question.  Well you know what the Spirit of God answers it.  “Don't they come from your desires that battle within you?  You want something but don't get it.  You kill and covet, but you cannot have what you want.  You quarrel and fight.  You do not have because you do not ask God.  When you ask you don’t receive, because you ask with wrong motives.  It even tells us what the motives are here, that you may spend what you get on your pleasures.”

Bob:  Do I keep hearing the theme selfishness kind of reemerging in that verse?

Dennis:  If I had young couple in the studio right now and I was mentoring them, encouraging them, and preparing them for their marriage I would make sure they understand the A, B, Cs of conflict resolution.

Bob:  You know Dr. Scott Stanley from the University of Denver did research with couples over a 20-year period.

Dr. Scott Stanley:  A lot of people think varieties of things lead to marriages succeeding or failing which of course is true but sometimes not looking at the most crucial thing or constellation of things of how couples handle their differences and their conflicts, and their disagreements; because every couple has disagreements, every couple has differences, every couple has problems in life.

One thing I would like to tell couples is nobody gets a free ride.  You get married and it's just not happily ever after all the time.

Dennis:  So you say the predictor of whether a marriage will succeed or fail is based upon how we manage conflict in our marriage relationships.

Dr. Scott Stanley:  When those tensions come up, when those disagreements come up, and it’s very clear and a number of different researchers find this kind of data not only we at the University of Denver but other researchers around the country now can look at variables in the relationship of a couple before they even get married and correctly classify with about 90% accuracy following the couples over time which ones are going to do well and which ones won't.  That means for the average couple walking down aisle the seeds of the divorce is there before they even get to the altar to say “I do.”

Dennis:  Really?

Dr. Scott Stanley:  Now that doesn’t mean that you can take a given couple and predict with just that certainty you are not going to make it but you can take a given couple and say now you get a lot of the kind of patterns that put a couple at great risk and you better think about how you are going to lower these risks.

Dennis:  That doesn’t surprise me at all because it's been my understanding from our own marriage in our family that human relationships will result in conflict and that’s why these three steps in resolving conflict the A, B, Cs of resolving conflict are so important.

First of all know that resolving conflict requires an understanding of anger.  The Bible is trying to help us know how to understand our anger and how we properly express it.  You know the Bible makes it clear; don’t let the sun go down on your anger.  When you do relationships end up getting poisoned and polluted by that anger.

B would be resolving conflict requires loving confrontation.  Ephesians 4:15 Speaking the truth in love we are to grow up in all aspects into Him who is the head, even Christ.  At the heart of growing up I believe is how you resolve conflict.

Bob:  We can't avoid confrontation in marriage.  We have got to get to a place where we can sit down across the table from one another and be honest even if we disagree.

Dennis:  We got to know how to handle anger.  Secondly we got to know how to speak the truth in love, and third resolving conflict requires forgiveness.  Ephesians 4:32 “And be kind to one another,” that’s a command.  Be kind to one another, tenderhearted, forgiving each other, how—just as God in Christ has forgiven you.

My dad and mom lived a very modest lifestyle.  We lived in a neighborhood that was also very modest.  I don’t remember ever lacking much, nor do I ever remember wanting much.  We were not surrounded by wealth and so here’s this young man coming from Southwest Missouri, marrying a young lady who grew up near Chicago.  Her dad was a executive with US Steel, member of a Country Club, not wealthy but enjoyed golf and some of the things of life that Ozark, Missouri didn’t have.

Bob:  Upper middle class background.

Dennis:  Probably toward the end of things but as we approached our marriage.  It was interesting.  Barbara called me on the phone and told me to go check out our good silver and our good china.  Well Bob I didn’t know where good china was, I had heard about Red China on the map but I didn’t where it was.

So I had to drive to Denver.  I was living in Boulder at that time and I went to a place I think it was called May Company in Denver, Colorado.  I remember walking into this huge department store and I know I am sounding like a hick at this point Bob but I wasn’t totally a hick, just partial, but I didn’t know what was going on.  Barbara has really helped me here.

Bob:  She has clued you in a little bit.

Dennis:  She has clued me in.  So I walked into this department store into this section where they have the bridal registry and all the china and stuff and found a lady and I don’t know but there is a certain personality or used to a number of years ago that works in that department.

She looked at me and she could tell I didn’t know what I was doing.  I asked her where the sterling silver was that Barbara was picking out and the good china.  She showed me and I looked up at the silverware and I said oh, $59.95 for an eight place setting of sliver that’s not bad.  And she kind of pushed her glasses back up on her bony nose and said sir that’s for one place setting, not eight.

Well I can multiply and I immediately saw that was over $450 including tax of silver and I thought we don’t even have a table to eat on and we are buying forks that are $20?  I mean you know it didn’t make a lot of sense and by the way Bob the prices are a little higher today.  They probably would have had to have called their coronary care unit at this point.

So I called Barbara back up on the phone and you know that’s a phone call I wish we had on tape to play back for our listeners because it had to go something like this,  ”Sweetheart.  Sweetheart $59.95—do you realize how many plastic knives, forks, and spoons that we would buy?  You can eat off paper plates forever for that.”  I remember there was probably some quietness over the phone that took place and kind of this thought of who am I marrying here?  You know that’s always the issue when it comes to money, what are you marrying at this point?

Bob:  There are a lot of adjustments young couples needs to make in the area of finances after they get married.  Before he went home to be with Lord in 2003 we had the opportunity to talk with Christian financial expert Larry Burkett.  We asked him a variety of questions that engaged couples need to think through before they get married, things like whether it's right to have a separate checking accounts.

Larry Burkett:  In the area of separate checking accounts let me tell you this if you are separating your accounts you are planning to get separated.  I mean there is no other reason for doing it.  You may say well that person is too irresponsible I am not going to commit my funds to them, well then don’t commit your life there, for goodness sake.    But if you have to separate your accounts generally speaking it’s because you are keeping things separate in the event that it doesn’t work out, and when you do that it will not work out.

Dennis:  What would you exhort, challenge, plead single people to do who are about to get married, what are the top three most important things you think they need to know or do as it relates to finances?

Larry Burkett:  Well as I think about it I would say the number one has got to be, you need to be able to talk to communicate together openly.  You need to have some method of determining what the value system is of the person that you are about to commit your life to.

Number two then you need to sit down together before you get married and work out a budget that includes both of you in this process. And you need to talk about everything. How do you feel about you merging your money with mine?  In another words we are going to have one checking account.  How do you feel about each area of the budget?

And then third I would say you need accountability.  First accountability is to each other and to God.  That means whatever the decisions is you are going to make it according to God’s plan no matter what anybody else says.  And then second you need to make yourself accountable to another person, an older person.

I’d say those three things.  If you learn to talk together, learn to sit down and write out a written budget together, and three make yourselves accountable to each other and to somebody else those are the most important things you can do for your marriage.  Again it would be far better to prevent a problem to face it right now before you get married than it is to try to correct a problem after you are married.

(Creative piece)

Leslie:  I got to worn you, cleaning out this attic is not going to be easy.

Brad:  Hey, how does that line go?  I take you to be my wife as long as the attic is always neat and picked up.

Leslie:  Yeah right, and every box has only good memories.

Brad:  What's in this one?

Leslie:  That one is going to be kind of hard to open.

Brad:  Oh, well we don’t have it.

Leslie: No, it's okay.  You need to know about the fun stuff, and the not so fun stuff.

Dennis:  One of the most important areas that couples need help in, they don’t know what to do with their past.  If you overlook the attic, if you forget about the relics that are up there, and you gloss over it and say it doesn’t matter.  I want to tell you something it will bite you.

It’s the wise couple who takes on this subject with the fear of God and with some godly counsel because this can be the undoing of a relationship.  It can build mistrust rather than trust if it's not handled appropriately.  It can also result in vain imaginations later on in the marriage relationship when the past is thrown up at the other person.  So this is something we have to be very careful with Bob and need to have some wise counsel.

Bob:  So you are saying that even if there are issues from the past that you are ashamed of, you are embarrassed by or maybe you are even afraid that bringing this out in the open will threaten your present relationship with your future spouse?

Dennis:  That’s exactly right.

Bob:  You are saying you get to dig into those.

Dennis:  You get to dig into them because marriage is built on commitment and trust.  There is also the important matter prior to a marriage starting here that if the truth becomes known later after you are married it can cause the deepest of betrayals, the feeling of deception of deceit.

For instance, what if you have a sexually transmitted disease and you have never shared that with your spouse.  And she doesn’t know that you are immoral prior to the marriage relationship and yet as the time grows closer and closer to your marriage you don’t tell her, you get married and she finds out later that now she has a sexually transmitted disease.

Or what if you have had an abortion and you don’t want to tell him that you had an abortion but somehow through some odd set of circumstances that comes to light in that marriage relationship.   I am telling you, whether it's the inability to have children, whether it's a problem with credit cards, money, debt, alcohol all of those issues must test the commitment prior to the marriage.  I believe Bob, to the best of our ability we need to bring those out in the light because to hide it now means that later on after we are married we may hide something even bigger from them then.

Bob:  If a marriage is going to be built on trust you are saying we have got to begin with a foundation of trust that allows us to be open.

Dennis:  Here is the thing, marriage is tough.  Psalm 127:1 says unless the Lord builds the house they labor in vain.  I am telling you with the Lord helping you build it marriage is still at best two selfish people hammering out a covenant together.  It's hard.  It's a challenge.

It will at points press your commitment to the core. If you don’t know what you are fighting against, if you don’t know what those past mistakes are, if you don’t know what’s in the attic screaming at the other person or if you have not shared what’s screaming at you with your spouse then you may be 10 years in your marriage before you realized the boxes that never got unpacked that have frankly been in your marriage bed.  They have been in your relationship and you have been trying to build trust and commitment and communication and you didn’t know what the phantom was that you were attempting to battle and to defeat.

You wondered why this thing called marriage was so difficult at times.  And the reason was it was an issue of the past a mistake you made perhaps or mistake somebody else made who damaged you, but you know that’s where the gospel of Jesus Christ works.  I mean what’s Christianity all about but forgiving one another and that leads us to the next point ask for forgiveness and grant forgiveness.

Don’t do it flippantly.  Don’t do it lightly but give it abundantly.  Then as you continue to process with one another the impact the past has had on you your fears, the shame, the guilt, all of its ugly impact on you as a person and frankly for the first time you begin to see sin for what it is.  Go back and take a look at Philippians Chapter 3.  Paul says “I forget what lies behind and I press forward to what lies ahead—the goal of the call of God in Christ Jesus.”

I will tell you Bob, in my own life, having had this discussion with Barbara and she with me, the ability of two imperfect sinners to turn to one another and express God’s love, God’s compassion, God’s forgiveness to one another and to do that in a way that builds the other person up that sanctifies them, that edifies them that let’s them know their love.  I mean that’s a beautiful thing.  That’s what Christian marriage is all about.

If you do that prior to your marriage you are going to find yourself doing it over and over and over again after you get married because marriage is between two imperfect people.—Two selfish human beings who are going to hurt each other.  They are going to disappoint each other.  You have got to be big on forgiveness.

Bob:  Yeah, and if your conflict resolution skills are not good before you get married don’t expect that to change after you get married unless you sit down and really focus on what the Bible teaches and address the fact that you have not been doing it right.  That you haven’t been forgiving or speaking the truth in love, that you haven’t been overlooking some issues or that sinful anger has emerged in your relationship.

That’s why we encourage couples to attend a Weekend to Remember marriage conference before they get married and to go through the Preparing for Marriage workbook because these are the kinds of issues that need to be brought to the table and talked about ahead of the altar.

Over the last 15 years, we have had tens of thousands of couples who have gone through their Preparing for Marriage workbook.  We just had it revised and updated, it's even easier to use now and great for a mentor couple to take a younger couple through as they get ready for not just a wedding but for the marriage that’s going to come when the wedding is all over.

You can go to our website for more information about the Preparing for Marriage workbook and about the Weekend to Remember Marriage Conference.  Again go online or call 1-800-FL-TODAY. That’s 1-800-358-6329 or you can go online at to get more information about the Preparing for Marriage workbook and you can order online if you would like or call to order at 1-800-FL-TODAY.

Well, we have been encouraged this month, we are about halfway through the month and we have heard from many of our listeners who have either gone online at or called 1-800-FL-TODAY and made a contribution.  They are aware of the matching gift funds that has been established and the pledge is that have been made toward fund and they want us to be able to take advantage of the now more than $300,000 that has been pledged to that fund and we so appreciate those of you who have gone and made a $20 or $50 or $100 or $500 donation in support of the ministry knowing that donation is going to be doubled on a dollar for dollar basis as long as the pledges in that fund remain.  So thanks for your donations.

We still have a long way to go if you want to take full advantage of this matching gift opportunity so can we encourage you today, go online at or call 1-800-FL-TODAY.  Help support the ministry of FamilyLife Today keep us on this station and our network of stations all across the country and just know that your donation today will be doubled dollar for dollar as you support the ministry of FamilyLife Today and we appreciate your partnership with us.

We hope you have a great weekend.  Hope you and you family are able to worship together this weekend and we hope you can join us back on Monday when we are going to talk about the middle school years and what moms and dads can do to be right in the middle of things as your children go through those sometimes tumultuous years.  I hope you are going to be with us for that.

I want to thank our engineer today Keith Lynch and our entire broadcast production team on behalf of our host Dennis Rainey; I’m Bob Lepine.  We will see you back next time for another edition of FamilyLife Today.

FamilyLife Today is a production of FamilyLife of Little Rock, Arkansas.

Help for today.  Hope for tomorrow.

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Episodes in this Series

Engagement And Weddings Day 4
Staying Pure During the Engagement Period
with Dennis Rainey, Various May 13, 2010
You're engaged, and the finish line is almost in sight!
Play Pause
00:00 00:00
Engagement And Weddings Day 3
Leave and Cleave
with Dennis Rainey, Various May 12, 2010
Are you ready to leave your parents and cleave to your spouse?
Play Pause
00:00 00:00
Engagement And Weddings Day 2
Making the Decision: Moving From “Do I?” to “I Do”
with Dennis Rainey, Various May 11, 2010
How do you know when to marry?
Play Pause
00:00 00:00


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Rudy Giuliani Says He’s Wants To Testify Against John Bolton

President Donald Trump’s personal attorney Rudy Giuliani denied claims by former national security adviser John Bolton, and said he is willing to testify in the impeachment trial.

Giuliani told CBS News that he was still President Donald Trump’s personal attorney, but explained why he had not been added to his impeachment trial defense team.

“Well, I am, but I can’t participate in what goes on in the Congress, because I’m a possible witness,” Giuliani said, adding that he’s ready to testify if he got White House approval.

Bolton revealed in his upcoming book that Trump explicitly tied Ukraine aid to an investigation of Joe Biden — which Giuliani has been recently pursuing in Europe — but the president’s attorney called the former White House official a “backstabber.”

“He never said to me, ‘I’ve got a problem with what you are doing in Ukraine’ — never once, never winked, never sent me a little note,” Giuliani said. “That’s classic backstabber, so I feel I got a swamp character here. I find his testimony about the president pretty close to incredible.”

The Senate is considering whether to subpoena Bolton in the impeachment trial, and Giuliani seems eager to challenge the former national security adviser, who impeachment witnesses said described the president’s attorney as a “hand grenade.”

“If he came up to me and said, ‘Rudy, you’re a grenade that’ll blow up,’ and he shows his face, I would say, ‘I would never have the opportunity, because you’re an atomic bomb,’” Giuliani said.


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Twitter Slams Donald Trump For Trying To Drag Obama Into His Ukraine Mess

On Thursday, President Donald Trump tweeted out a series of ranting denials and attacks to defend himself from impeachment, bragging that Rep Adam’s Schiff presentation was “weak” and claiming that former President Barack Obama also withheld funds from Ukraine and other nations.

Trump started off by summarizing claims made by a former Bush administration official on Fox News, and then repeated false claims made by his defense attorneys during the Senate trial.

“In an Impeachment, you can’t use a work of fiction as the theory for the case, filling in gaps with presumptions against the President,” Trump tweeted, paraphrasing former State Department official Robert Charles. “It was a weak presentation, self indulgent, & he didn’t deliver the goods.”

Trump’s attorneys falsely claimed that House Democrats barred Republicans and the president’s legal team from the impeachment inquiry, and the president repeated those claims in his next tweet.

“The Democrat House would not give us lawyers, or not one witness, but now demand that the Republican Senate produce the witnesses that the House never sought, or even asked for?” Trump tweeted. “They had their chance, but pretended to rush. Most unfair & corrupt hearing in Congressional history!”

“No matter what you give to the Radical Left, Do Nothing Democrats, it will never be enough!” he added.

He then made misleading comparisons — addressed by Rep. Adam Schiff during his opening statements — between his freeze on Ukraine aid and previous pauses on foreign aid.

“The Democrats & Shifty Schiff, whose presentation to the Senate was loaded with lies and misrepresentations, are refusing to state that the Obama Administration withheld aid from many countries including Ukraine, Pakistan, Philippines, Egypt, Honduras, & Mexico,” Trump tweeted. “Witch Hunt!”

Twitter users were quick to respond.

Check out some of the responses: