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Madano helps clients define strategy and deliver objectives through insight, creativity and communication, focusing primarily on complex, highly regulated sectors. Our Leadership Team comprises experts in our chosen fields with deep experience in strategic communication.

Madano specialises in complex and highly regulated sectors. In each of these target areas we operate at the leading edge of insight, innovation and technology.

Our expertise also enables us to understand client needs quickly and accurately; to develop appropriate and focused strategies; and to engage well-developed networks of influencers. As a result, we deliver innovative solutions that add real and lasting value to your organisation.

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Midwife Mondays 120: NIPE Exam! Eek!

As I’ve mentioned in my last few posts, over the past few months we have been preparing for our NIPE exam. There was a huge amount to learn and I’d been trying to keep a good balance between enjoying Christmas and revising enough for the exam.

However, the Monday of the week of my exam was also New Years Eve…so we had do celebrate that first! We spent the night with friends; two of them got married earlier in 2018 and have just moved so offered to host new year at their house. We had a delicious chilli for dinner and I made my Gooey Chocolate Brownies for pudding (which we served slathered in Salted Caramel Sauce – yum!) and then we played games, laughed and drank until the clock struck 12. We sang Auld Lang Syne, and talked about our plans for the year ahead (which is a pretty big one with both M and I getting new jobs, and we are planning on moving and finding a house too!) We finally got back to M’s parents house and into bed about half 3 and slept like dead things until about midday – when the knowledge that there was bacon in the fridge was just too strong a call!

New Years day was spent mostly in our comfies, watching the telly and chatting with M’s parents; and his mum made a fab lamb roast to help us all get over our lingering hangovers!

On January 2nd we packed up the car for the last time (having been away since December 20th) and drove back to our little house and started the mammoth task of doing all the laundry. After an early night, it was back to the grindstone and getting myself sorted for my exam on the 4th.

I did feel reasonably well prepared for it after a lot of revision in December, but I still spent most of the rest of my time before the exam focussed on swotting up – writing notes, making myself read everything over and over, and even creating little quiz cards so I could force M to play the worst card game ever to test my knowledge!

Come Friday I was really nervous, but I got through it….I think….

It was quite an intense exam – it’s a spoken exam, where you have to look at the information in front of you and then roll off as much as you can remember about the particular conditions, their risk factors, incidences, treatments, how you recognise it, and so so much more – you’ve got a time limit to reel off as much as you can…scary and very intense.

I won’t get the results for a few weeks yet so I’ll keep you posted when I hear! Eek!

To read my last Midwife Mondays post, click here:

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1 Comment

  • Reply
    January 31, 2019 at 5:17 pm

    Good luck! I’m sure you did brilliantly. X

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CII: Cascading Failures – Definition and Prevention Mechanisms

Informationen zur Arbeit

Abschlussarbeitstyp: Bachelor, Master
Betreuer: Sebastian LinsTobias Dehling
Forschungsgruppe: Critical Information Infrastructures

Archivierungsnummer: 4303
Abschlussarbeitsstatus: Vergeben
Beginn: unbekannt
Abgabe: unbekannt

Weitere Informationen

Cascading failures are incidents in interconnected systems where the failure of one or a few parts can trigger the failure of other parts. In case of cascading failures, other parts must then compensate for the failed component. This in turn overloads these nodes, causing them to fail as well, prompting additional nodes to fail one after another. Such a failure may happen in many types of systems, including energy networks, computer networking, finance, human body systems, and bridges.Cascading failures are a threat in interconnected critical information infrastructures. Critical information infrastructures (CII) are sociotechnical systems comprising essential software components, networks and information systems with pivotal impact on individuals, organizations, governments, economies, and society. These CII are operated in different domains like energy (electricity, oil, or gas management systems), transport (air, rail, or water transport), banking, health care, and digital infrastructures (internet exchange points or DNS service providers). Innovative approaches are required to monitor reliability and security of interconnected CII, and to exchange monitoring information among CII actors to facilitate proactive prevention and reactive correction of cascading failures.

This thesis aims to create a better understanding of the nature of cascading failures in the context of interconnected critical infrastructures and how to prevent them.Students are required to define cascading failures and identify approaches how to prevent critical failures.

Introductory literature:

Adelmeyer, A.; Petrick, C.; Teuteberg, F.  "14. Cloud-Services in Kritischen Infrastrukturen – Anforderungen und IT-Risikomanagement" available at:

M. Rinaldi " Modeling and simulating critical infrastructures and their interdependencies " available at:

Richard G. Little "Controlling Cascading Failure: Understanding the Vulnerabilities of Interconnected Infrastructures" available at:


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Bachelor of Business Administration (BBA) Degree with a Specialization in

The American InterContinental University bachelor’s in accounting online is an accredited business degree program with a concentration in the niche skills and concepts of accounting. This online bachelor’s degree in business was designed to hone financial decision-making skills and to explore the fundamentals of economics, business operations, and management.

Next Start Date:
December 07, 2022
Total Credits:
Online, Atlanta, Houston
Estimate tuition and fees with our Tuition and Graduation Calculator

Program Details

Online Accounting Degree Program

Enroll in this accredited online accounting degree business program to access coursework that is available anywhere, any time. Flexible online accounting courses help you fit your education into your busy schedule. Our ACBSP-accredited online bachelor’s degree in business with a specialization in accounting program delves into managerial practices and global operations and their relationships with accounting practices and conflicts, providing an immersive business education.

What can you do with an online accounting degree?

AIU’s online accounting courses cover the fundamentals of business administration with a specialized accounting curriculum that includes economics basics, principles of business operations, and legal and ethical conflicts in business. AIU’s online accounting classes can help you prepare to assess a company’s financial health, make informed decisions, leverage contemporary technology and data in the field, and more.

This program is designed for working adults who are looking for an education with a strong foundation in business principles and a deeper understanding of key accounting concepts and practices.

Prerequisite for an online bachelor’s degree in accounting?

There are no prerequisites to enroll in AIU’s online accounting degree program and American InterContinental University doesn’t require an SAT score to apply. AIU’s online accounting classes are designed with busy people in mind, so you can pursue your bachelor’s in accounting online while tending to other responsibilities, like your family and job.

You may be able to earn your accounting degree online sooner than you think. You can transfer in up to 75% of qualifying degree credits, saving you more time and money1. We also honor your eligible work and military experience by offering degree credit for qualifying training1.

Download program detail PDF

Not all programs are available to residents of all states.
American InterContinental University, AIU, is part of the American InterContinental University System, which is accredited by the Higher Learning Commission (, a regional accreditation agency recognized by the U.S. Department of Education.

1. Transfer credit is evaluated on an individual basis. Not all credits are eligible to transfer. See the University Catalog for transfer credit policies.

Estimate Tuition and Grad Date

Total tuition for this degree program may vary depending on your educational needs, existing experience, and other factors.

Estimate your costs, potential savings and graduation date.

Degree Requirements

General Education
ECON220 Microeconomics 4.5
ECON224 Macroeconomics 4.5
ENGL106 English Composition I 4.5
ENGL107 English Composition II 4.5
MATH125 General College Mathematics 4.5
UNIV103 Academic and Professional Success 4.5
UNIV106 Technology and Information Literacy 4.5
UNIV109 Interpersonal Communication 4.5
General Education Elective (1 Course) 4.5
Humanities (2 Courses) 9
Natural Sciences (2 Courses) 9
Total Credit Hours: 58.5

ACCT205 Principles of Accounting I 4.5
ACCT310 Managerial Accounting 4.5
BUSN105 Introduction to Business 4.5
BUSN150 Legal and Ethical Environment of Business 4.5
BUSN311 Quantitative Methods and Analysis 4.5
FINA310 Financial Management 4.5
MGMT305 Management Information Systems 4.5
MGMT310 Management and Leadership of Organizations 4.5
MGMT315 Survey of Human Resource Management 4.5
MGMT415 Global Operations Management 4.5
MGMT499 Program Capstone 4.5
MKTG205 Principles of Marketing 4.5
Total Credit Hours: 54
General Electives

A combination of any 10 undergraduate courses

Total Credit Hours: 45

Prerequisites must be met for selected electives.

Students enrolled in the Fashion Marketing Specialization Option are required to take: FASH 212, Historical and Contextual Studies, as one of the Humanities requirements; and FASH 209, Fashion Cycle, in place of one General Elective.

General Business Administration Track
Instead of a Specialization, select 5 Business Electives from any of the Specializations below
Total Credit Hours: 22.5
ACCT315 Intermediate Accounting I 4.5
ACCT320 Intermediate Accounting II 4.5
ACCT420 Cost Accounting 4.5
ACCT435 Auditing 4.5
ACCT440 Accounting Information Systems 4.5
Total Credit Hours: 22.5

Total Credit Hours : 180

Classes Overview

For an Associate of Arts degree in Business Administration, your classes can include:

Principles of Financial Accounting

This course focuses on the underlying concepts, ethical, regulatory and business environment of financial reporting with an emphasis on measurement, valuation and presentation of typical asset-related items.

Intermediate Accounting I

Intermediate accounting I provides a combination of professional language and vibrant pedagogy to facilitate the transition from financial principles to the professional accounting world and beyond. This course links accounting principles to the central activities of a business. A user/decision making approach, combined with the necessary coverage of GAAP, helps the student prepare to understand accounting in terms of a business' activities, which reflects the broadening definition of accounting today.

Intermediate Accounting II

This course covers the fundamentals of management accounting, including cost accounting, how to develop and use information for costing products and services, decision making, operational budgeting, performance evaluation, and other important subjects and provides an update on recent developments in the field.

Cost Accounting

An advanced study of the concepts and techniques used by management accountants to assist decision-makers within the organization. Areas covered include process accounting, job-order accounting, measuring quality costs, activity-based costing, and evaluating performance.

This course will provide the students with the opportunity to work to develop the fundamentals of individual income taxation. A background of accounting courses is not essential for this course. The course may be of special interest to non-accounting majors. Topics include exemptions, exclusions, and deductions available to the individual. These concepts are structured to aid the student in the preparation of an individual tax return.

This course presents concepts of auditing, outlining the standards and practices of today's auditors, and helping students prepare to perform the Integrated Audit with a necessary understanding of enterprise risk management and professional judgment as the future of the auditing profession.

Accounting Information Systems

This course focuses on the study of concepts and terminology of accounting information systems and their use in decision making in accounting and auditing. The course also covers Information Technology (IT) fundamentals, responsibilities and business implications.

Governmental/Institutional Accounting

This course is designed to explore governmental and not-for-profit accounting practices, in the areas of financial analysis and planning, accounting for general capital assets and capital projects, and long term financing and routine governmental bookkeeping.

Quantitative Methods of Analysis

In this course, students will learn the fundamentals of probability, statistics, and their applications in business decision making.

Legal and Ethical Environment of Business

This course is designed to provide undergraduate students with a comprehensive introduction to the business sector's relationship to the principal forces operating in the ethical and legal environments. Particular attention is given to the constraints and opportunities presented by the regulatory environments in North America and the European Union. The course also provides an opportunity to explore an in-depth, comparative framework for understanding the ethical and intercultural challenges facing contemporary multinational and international organizations. With respect to the legal framework within which most business organizations operate, course topics include corporate problems of raising and maintaining capital by shares; relationships of directors to shareholders; respective rights and obligations; relationships of companies to third parties; control and the principle of majority rule.

Management and Leadership of Organizations

This course examines the elements of management and leadership as they apply to modern organizations. Special emphasis is placed on organizational change, role of managers, and cultural differences found in today's management environment.

Program Capstone

The emphasis in this course is on applying and synthesizing concepts and techniques from all previous business/specialization courses. The class sessions are designed to familiarize students with the many dimensions of business, with special emphasis on the area of specialization.

University Catalog

Course content subject to change.

Ways to Save on Your Accounting Degree

What is a Bachelor of Business Administration (BBA) Degree with a Specialization in Accounting?

AIU’s BBA degree program with a specialization in accounting is designed to provide knowledge, skills, and abilities relevant for pursuing a career path in the business accounting field. This unique degree program emphasizes financial reporting, business concepts, ethics, regulations, measurement, and valuation and presentation of asset-related items in a business environment.

How long does it take to earn a BBA with a specialization in accounting?

Our bachelor’s degree programs are designed as 48-month programs. However, many factors can impact your time to completion. The time it may take you to earn your BBA degree can be influenced by course loads proficiency and/or transfer credits, and breaks.

What kind of courses will I take to earn a BBA degree?

As you work to complete your BBA degree with a specialization in accounting, you will be immersed in courses such as: Quantitative Methods and Analysis; Managerial Accounting; Auditing Information Systems; and Financial Management.

When can I begin my specialization in accounting classes?

Courses for the Bachelor of Business Administration Degree with a Specialization in Accounting start approximately every five weeks. Your actual start date is based on several factors, including receiving academic and financial documentation.

How many credits will I need to graduate with a BBA degree?

The BBA degree program consists of 180 credits. You may be eligible for transfer credit, which is evaluated on an individual basis. Not all credits are eligible to transfer. Please see the University Catalog for transfer credit policies.

Why should I pursue a BBA with a specialization in accounting degree?

Upon earning your specialized BBA degree, you should have an understanding of the key components of the accounting system and work to gain exposure to the sub-fields of economics, cost accounting, taxation, business accounting, and accounting in finance. This real-world specialization offers the opportunity for in-depth study and can help you work to develop a focused, industry-specific knowledge base common to accounting professionals in today’s business environment.

Compare Related Areas of Study

Bachelor of Accounting Bachelor of Business Administration (BBA) Degree Bachelor of Business Administration (BBA) Degree with a Specialization in Management

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Next Steps

Take the next step. Classes Start December 7, 2022

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YALSA, WWE name 2008 WrestleMania Reading Challenge Champions

wrestlemania reading champion david silva

YALSA and World Wrestling Entertainment congratulate David Silva, Orlando, Fla., and Ajoura Gwinn, Munhall, Pa., on becoming the 2008 WrestleMania Reading Challenge Champions! Silva beat out four others in the grades 7-8 category by answering questions about Stuck in Neutral by Terry Trueman, while Gwinn bested four competitors in the grades 9-12 category with her knowledge of Ball Don't Lie by Matt de la Pena. The WrestleMania Reading Challenge Championship was held Saturday, March 29, at the Orlando Public Library.

Gwinn and Silva each won ringside tickets to WrestleMania XXIV on March 30, as well as a trophy, signed books from both authors, and plenty of goodies from YALSA and WWE. Both Trueman and de la Pena appeared as judges at the event, which was emceed by WWE announcer Jimmy Hart and featured guest quizmasters and WWE wrestlers CM Punk, The Miz, and Matt Striker.

wrestlemania reading champion ajoura gwinn

Each finalist won airfare, hotel, and spending cash for two to Orlando, tickets to WrestleMania XXIV, and $2,000 for their library. The WrestleMania Reading Challenge, sponsored by WWE, asked teen participants in grades 7-12 to read 10 books between Teen Read Week, October 14-20, 2007, and January 14, 2008.  Each teen participant was required to submit a short reading log that described the books that have been read. Participants could then submit a short essay on the topic, “How Wrestling Inspired Me to Read.”   The winning entry from each library was submitted to YALSA and one winner in each category from each region was chosen as a national finalist.

To see the full list of finalists, please visit the WrestleMania Reading Challenge Finalists page.

Photos: Top, YALSA Executive Director Beth Yoke, WrestleMania Reading Challenge Champion David Silva, and Terry Trueman; Bottom, Terry Trueman, WrestleMania Reading Challenge Champion Ajoura Gwinn, YALSA Executive Director Beth Yoke, and Matt de la Pena.


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Real Estate Photography

I provide interior photography for real estate and well as for short accommodation offers on Airbnb in Adelaide, Adelaide Hills, Barossa Valley and Fleurieu Peninsula.

This service covers photography of 1-2 bedroom units with the result of 20-30 high resolution images delivered online.
Small House Photogaphy
45 min


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Fuel Restaurant

Taking source full circle

Fuel Restaurant

Food can be many things: a source of nourishment, comfort, and connection. At Fuel, Chef Robert Belcham aspires to make it all of the above.

Food can be many things: a source of nourishment, comfort, and connection. At Fuel, tucked into the bustle of Vancouver’s 4th Avenue, the aspiration is to make it all of the above.

Co-owners Chef Robert Belcham and Sommelier Tom Poirier realize this lofty goal is attainable only by keeping things rooted to source. For both, the world of fine dining was an awakening to the plate’s potential as a way of communicating both philosophy and passion.

Poirier, who has culinary papers of his own, pursued this philosophy by becoming a winemaker, as well as a sommelier, with his own line of Montague wines. Chef Belcham, who was groomed in part at The French Laundry (a California restaurant considered by many as one of the best in the world), expresses these values with his ever-closer relationships with his suppliers, with a vigilant eye on the end goal–making people feel good about and with the food they eat.

“A lot of our food starts with an ideal memory that we want people to connect with,” said Belcham, who ably recounts tales of trout fishing with his grandfather and the fresh raspberries picked roadside in Raleigh, BC. “Good food should feed and warm the soul.”

Having emerged from the über-conscious domain of Vancouver’s C Restaurant, both are well schooled in matters of sustainability, but have found a new raison d’etre with Fuel’s ardent support of local growers. Good taste is key.

“We’re not out to preach, but we know our farmers and fishermen. When we work with organic, heritage-breed chicken or pork, we are aware of the politics and happy to be supporting a sustainable network,” explained Belcham. “It is the right choice, but it just tastes better, too.”

Teaching his crew the vanishing art of working with whole cuts, Belcham dresses his protein in a wide window facing the street, sharing both an education and evidence of Fuel’s waste-not, want-not philosophy.

“The entire menu changes regularly, but you don’t see a specific cut of protein. People rarely think about the lack of variety in most restaurants. There are always pork chops, lamb racks, and beef tenderloins. What about the rest of the animal? We do our best to respect the entirety,” said Belcham, who also cures his own charcuterie on-site.

Passionate omnivores with a sense of self and source, both Belcham and Poirier agree that people need to break out of the cryo-vac culture of supermarkets by getting closer to source.

“Good food culture is all around us. It can be as complicated or as simple as you want. Getting back to cooking in season, cooking for pleasure, and sharing a table is one of the most important aspects of living well,” said Belcham.

A New Recipe for Diabetes
Social for Good

Social for Good

Support platforms for people with diabetes

Carime Lane

Carime Lane


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Author: Allan (Page 1 of 403)

McKenzie’s Bet

Carrie-Anne and I hosted the GCR high schoolers at our house a couple of Sundays ago to watch the Cowboys -Packers game. We played ping-pong and pool, made Dr Pepper and root beer floats, and generally hung out and watched the game together. And McKenzie and I made a bet.

McKenzie is a precious child of God. She’s a senior at Midland High School (Go Bulldogs) and an angel straight from heaven. But she is a crazy Cowboys fan. Over the top. Too much. About halfway through the first quarter, with the game tied at 7-7, I proffered a wager: If the Cowboys win, I’ll preach next Sunday wearing a Cowboys tie; if Green Bay wins, McKenzie wears a Packers shirt to youth group class and to worship on Sunday. She took the bet. Cowboys fans always take the bet.

McKenzie’s a really good sport and we had fun with it yesterday. And I’m glad we didn’t go double or nothing on the Vikings.

Starting with Confession

Tomorrow at GCR Church, we consider together Act Two of the Story of God. Act Two is the major conflict, the thing in the drama that goes horribly wrong and must be fixed. Sin happens. Rebellion against God. And it wrecks everything.

We’re all guilty. We’ve all lived this part of the Story. We’ve all sinned and fallen short of God’s glory and his creation intentions for us as his people. We’ve all taken huge bites out of that apple.

Almost all Christian churches for almost all of Christian history have started almost all their Christian worship assemblies with a prayer of confession and repentance. Confession is an ancient Christian practice we’ve never really embraced in the Churches of Christ. But Holy Scripture and centuries of Church tradition and practice compel us to give it a good honest try. Confession is one of those places where our God meets us and transforms us. In confession, we acknowledge our sin before God and pledge to live more holy lives by his grace.

Tomorrow morning we will pray a prayer of confession and repentance together to begin our assembly at GCR. I’m hoping you’ll join us. If not in person, then in spirit.

“Almighty and merciful Father, we have sinned.
We have followed too much the desires of our own hearts.
We have offended against your holy will.
We have done the things we should not have done; and we have not done the things we should have done.
There is no health in us. O Lord, have mercy on us.
Spare us, O God, who confess our sins.
Restore us who are repentant, according to your promises declared to all men and women in Christ Jesus our Lord.
And grant, most merciful Father, that we may live godly, righteous, and holy lives.

The Kids are Alright

For the first time since they got married with eleven days notice back in July, Carrie-Anne and I flew to Nashville last week to spend three days and nights with our youngest daughter Carley and her new husband Collin. To those who have asked, they’re doing great. And we had a blast.

Collin and Carley live in a really nice 18th story condo in a downtown Nashville high rise right smack dab in the middle of everything. From their living room window you can see the Tennessee Titans stadium on the banks of the Cumberland River four blocks away. On the other side, four blocks outside their front door, is Bridgestone Arena where the NHL’s Predators play and where the CMA’s were held the evening we arrived. They’re three blocks away from the historic Ryman Auditorium and two blocks off rowdy Broadway Street where the night life goes late and loud. For a couple of kids in their 20s, I’m not sure you could find a cooler place to live.

Collin is the content director at CBS Sports’ 24/7 headquarters in Nashville in the old CMT building downtown, three  blocks from their apartment. Collin graciously allowed me to tag along Thursday morning as he Zoomed with other CBS Sports producers, sharing content and planning the day’s tapings and broadcasts. I sat in the control room as Collin supervised a couple of in-studio college football segments previewing the weekend’s biggest games. It’s all TV and live-streaming, not radio, and the technology is so much more sophisticated than when I was in the business twenty years ago. But I did feel the bug start to nibble a little bit, especially when I disagreed with the analysis of one of their hosts.

We did a ton while we were there – they showed us a really great time. We saw the capitol grounds, the Vanderbilt campus, the Nashville Sounds’ super nice Triple-A ballpark, and the creepy 41-foot-tall statue of Athena inside the Parthenon. We toured Ryman Auditorium, went Duckpin bowling, ate on the balcony at Prince’s Hot Chicken, and took in the revelry on the roof at Jason Aldean’s place right after the CMA’s. We hung out at 6th and Peabody, where Carley works, and met some of her friends. And we ate and ate and ate. And talked and laughed. And reminded Carley that she’s off the health insurance and the car insurance December 1.

They got married and moved so far away so quickly, it doesn’t seem real to me most of the time. If I’m not careful, I can still think of Carley as being away at school or on a long trip and she’ll be home soon. Well, she’s home. And it’s in Nashville. And they’re doing great.

The biggest fourth quarter collapse in the history of the Dallas Cowboys? Where else but at Lambeau Field against the Packers. Going into yesterday’s contest in Green Bay, the Cowboys were 195-0 when leading by at least 14-points in the fourth quarter. In 63 years of football, the Cowboys had never lost when leading by two touchdowns at some point in the final period. One-hundred-ninety-five games, one-hundred-ninety-five wins.

Until yesterday.

So delicious.

And so predictable. It’s the same problems that have plagued the Cowboys for the past two-plus seasons. These same issues, repeated week after week, don’t matter much against the Lions or the Bears. But you can’t do this against decent teams and expect to win.

Penalties, of course. Dallas continues to lead the league in yellow flags.

The run defense, yes. Green Bay ran for more than 200-yards against the Cowboys. In fact, heading into that fourth quarter, Aaron Rodgers had only attempted eleven passes. If you remain committed to the run game, if you stay patient and keep pounding the ball on the ground, you will beat the Cowboys.

Turnovers, again. Dak’s two picks looked like a result of miscommunication with his intended targets, CeeDee Lamb and Dalton Schultz. Really? A franchise quarterback, a number one wide receiver, and a tight end playing with a franchise tag shouldn’t be having communication issues in November following a bye week.

Clock management, check. Mike McCarthy’s indecision and complete lack of fundamental clock management skills cost the Cowboys dearly on their last drive in the fourth quarter.

The Cowboys’ playoff hopes ended yesterday with that fourth quarter meltdown. Dallas is in third place in its own division with the undefeated Eagles looking to widen the gap tonight against Washington. The Cowboys play the once-beaten Vikings in Minnesota this Sunday and then host the Giants three days later. You might be looking at a three-game losing skid here. Even if they win one of these next two, the division title and the potential first-round bye are gone. If – IF! – the Cowboys qualify for the postseason, they’re facing a wild card game against a division champ.

The biggest fourth quarter collapse in franchise history. That’s noteworthy. Significant, even. Under the leadership of Jerry Jones, the Cowboys keep breaking team records and making franchise history – just not the kind you put on the cover of your media guide.

Accurate Interpretation

I need to offer a disclaimer as we make this shift from viewing the Bible primarily as a collection of God’s commands to reading and understanding the Bible more as the Story of God. This narrative lens is not going to suddenly give us easy answers to all the issues. We’ll actually find there are fewer rules, the lines are not as black and white, and it leads to more questions and more wrestling and more reflection. It’s not a system. It’s not an owners manual. It’s much more art than science. It can be messy. But I believe understanding the Scriptures as a broad, sweeping, epic story of who God is and what he is doing will help us better connect the dots in the Bible, make us better able to see ourselves in the drama so we can play our parts and say our lines, and enable us to more accurately interpret God’s will.

“All Scripture is God-breathed and is useful for teaching, rebuking, correcting, and training in righteousness, so that the child of God may be thoroughly equipped for every good work.” ~2 Timothy 3:16-17

A lot of us have taken passages like the above and developed a theology about the Bible, but not a biblical theology.

We’ll read Jonah and spend four weeks researching whether a human can live inside a fish for three days and never once think about God. The story is about God and what he is doing, not about the whale and what he or she can or cannot do.

We’ll argue about Paul’s words concerning divorce and remarriage and look for legal loopholes instead of dwelling on the covenant loyalty of our God who intends our marriages to reflect and witness to his perfect love and faithfulness.

Esther is not about “you need to be more courageous.” If that’s the point of Esther, it may as well be “you need to be prettier,” too. The point of Esther is that our God is at work to redeem everything and he uses every opportunity – even our darkest moments in exile when we feel weak and powerless and trapped in circumstances beyond our control – to save us and redeem us. We are not forgotten. We are never out of God’s reach or too far away from his salvation. That’s the story.

For a long time, we have read and studied the Bible looking for commands, examples, and necessary inferences. We no longer assume that this method works consistently, if at all, or if it’s even healthy. Does anybody really believe that in the grand, sweeping narrative of Scripture, the strange fire of Nadab and Abihu belongs in a central and controlling place? Reading the Bible as a book of laws to be obeyed or as a constitution to be defended is what led to some Christians affirming that slavery must be okay because the Bible doesn’t explicitly prohibit it.

Reading the Bible as a system of laws, people take every single verse that mentions slavery and notice that none of the verses condemns slavery as sinful or prohibitive. God didn’t say it’s a sin, so it must be alright as long as you don’t violate your conscience. Yes, Christians have done this in the past, and some Christians still do. Yes.

Reading the Bible as the story of who God is and what he’s  doing in Jesus Christ makes it obviously clear that all women and men are created equal in the image of God and that all people belong to each other as complete equals. Slavery is a result of the Fall; it’s sin. Jesus destroyed all the barriers between people at the cross. In Christ, there is no slave or free, male or female, Jew or Greek – we are one and slavery is a reprehensible evil.

That’s the difference. What’s the story?

The beatitudes are not telling us to be better peacemakers or to grow in humility. It’s not that you have to develop these virtues in order to receive the blessings. Why do we try to make mourning/weeping sound good or desirable? Well, it’s mourning over sin, right? I don’t know, the text doesn’t say that. The point of the beatitudes is to express how radically present the Kingdom of God is, even and especially among those who are grieving. People in their brokenness and grief often feel like they’re left out of God’s blessings. But Jesus is telling us, “No! God’s Kingdom is bigger and better than we ever dreamed. And it’s here right now!”

What God is doing is a story. It’s a narrative. When we see the pattern of God’s Kingdom in Creation and how it went wrong, when we understand how everything God is doing through Jesus Christ is to restore our righteous relationships with him, with one another, and with all of nature, we can much more easily, consistently, and accurately interpret his will and purposes for us.

According to the Bible, knowledge means knowing who God is and what he is doing through Jesus Christ. That knowledge, according to the Bible, leads to relationship, transformation, and mission. But most of the time, we’re primarily reading the Bible for information. We study words and the original languages behind them, we consult sources and resources for understanding the historical context, we dive deep into a fragment of a sentence and don’t come up for air until we’ve discerned the color of ink Luke used when he wrote Acts. And we don’t consider relationship, transformation, or mission.

Understanding the Bible as the Story of God will help us better connect the dots in Scripture, as observed in our last post. And it’ll  help us more easily identify with and see ourselves in the narrative.

Seeing the Scriptures as one grand, sweeping, epic story makes it easier to see ourselves in the narrative. We’re better able to place ourselves in the plot and play our parts and say our lines. We get this from inside the Bible itself, from the rich heritage of God’s people who lived and wrote and faithfully passed on the holy Scriptures.

Twelve generations after the crossing of the Red Sea, God’s people are saying, “Lord, you brought us out of Egypt!” Well, no, your grandparents and great-grandparents weren’t even alive when that happened. You never crossed the Red Sea. Oh, yes, we did; we did cross the Red Sea. We’re in this story.

In Daniel 9, the prophet is confessing sins that his ancestors committed decades before he was born. “We have sinned and done wrong; we have been wicked and rebelled!” No, Daniel, that wasn’t you. You don’t need to confess sins for which you are not personally responsible. Wrong answer. It is me. I did commit these sins. I’m in this story.

This is what the Bible does. It invites you to see yourself. It puts you in the Story.

“We thank God for you, brothers and sisters loved by the Lord, because God chose you as firstfruits to be saved through the sanctifying work of the Spirit and through belief in the truth. He called you to this through the Gospel, that you might share in the glory of our Lord Jesus Christ.” ~2 Thessalonians 2:13-14

The way you see other people and the way you understand the world and respond to what’s happening around you depends on the story you’re living.

You can go to a high school football game and sit by five people on the same bleacher and hear five different views of the same game depending on the role they play in the story they’re living. A scout looking at next week’s opponent says, “We’ve got to play zone against these guys; they’re fast.” A member of the board that owns the stadium thinks, “Four thousand people here, ten dollars per ticket, nachos are six bucks and Cokes are three dollars – we’ve got to figure out how to host a couple of playoff games when the season’s over.” The running back’s mom groans, “Don’t give him the ball; I don’t want him to get hurt.” The running back’s dad says, “Give him the ball! He needs more carries or he’s going to wind up at Texas A&M Commerce!” The running back’s English teacher marvels, “How can that kid memorize an 85-page playbook, yet forget to turn in his essay?”

Knowing the Story and understanding who you are in the Story informs and shapes how you see the game, how you respond to what’s happening on the field, and how you might act or speak to move the plot along and accomplish the purpose of the drama. Your identity is forged by the Story you live and the part you see yourself playing. God’s great Story is our Story.

Jesus says, “You didn’t choose me; I chose you.” The Bible says, “You are no longer foreigners and aliens, but fellow citizens of God’s people and members of God’s household.”

“You are a chosen people, a royal priesthood, a holy nation, God’s special possession, that you may declare the praises of him who called you out of darkness and into his wonderful light. Once you were not a people; but now you are the people of God!” ~1 Peter 2:9-10

Understanding the Story of God helps us bring more purpose and order to our lives and experiences. What is God doing in the world? Where is all this headed? And where are we – where am I – in this Story? Well, you are the light of the world. You bear the holy image of the Lord. You are ambassadors for Christ.

A system of laws and commands compels us to obey and comply. A Story invites us into relationship and mission. Reading the Bible primarily as lists and rules doesn’t foster the intent of God’s revelation in Scripture: to draw us into loving community and partnership with him. Viewing the Bible as God’s Story invites us to join.

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XO Raspberry Glue Marijuana Strain

Indica Dominant Hybrid Strain Indica Dominant Hybrid 70% Indica / 30% Sativa

THC: 20%

XO Raspberry Glue is a rare indica dominant hybrid strain created through crossing the classic Gorilla Glue X WOW strains. The perfect bud for when you want to forget about everything after a long and stressful day, XO Raspberry Glue brings on a head-spinning high that is best-suited for more experienced patients. The high starts with a creeping effect, sneaking up on the back of the mind before suddenly taking hold and leaving you totally out of focus with a weightiness behind the eyes. As you fade further and further into lifted oblivion, this stoney effect will creep its way throughout your body, locking you to the couch with a heaviness that leaves you totally immovable. Thanks to these effects and its super high THC level that bottoms out at about 20% on average, XO Raspberry Glue is often said to be perfect for treating conditions such as chronic stress, appetite loss or nausea, depression, chronic pain and muscle spasms or cramps. This bud has a super sweet and sugary raspberry berry flavor with a lightly spicy herbal exhale. The aroma is very similar, with a notable pungency to it, too. XO Raspberry Glue buds have dense and heavy spade-shaped dark olive green nugs with deep purple undertones, dark amber hairs and a coating of purple-tinted white crystal trichomes dripping with sweet syrupy resin.
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Piano Adventures Tech 2A

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Piano/Keyboard - Level 2A
Composed by Nancy Faber and Randall Faber. Faber Piano Adventures. Educational, Method. Instructional book (softcover). 40 pages. Faber Piano Adventures #FF1098. Published by Faber Piano Adventures (HL.420191).

Item Number: HL.420191

ISBN 9781616770983. 9x12 inches.

The 2nd Edition Level 2A Technique & Artistry Book features effective “Technique Secret” exercises which train students in firm fingertips, light thumb, fast fingers, hands together coordination, and wrist float-off. An “Artistry Magic” piece at the end of each unit explores expressive playing. A useful reference section presents all twelve major 5-finger scales plus the seven white key minor 5-finger scales, grouped in easy to memorize patterns.

About Basic Piano Adventures

Piano Adventures has set a new standard for a new century of piano teaching. It is fast becoming the method of choice at leading university pedagogy programs and major teaching studios around the world. But more importantly, Piano Adventures is bringing smiles to the faces of thousands of piano students. It can do the same for your students.


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Netherlands: Debate between Dutch Minister of Care and pharmaceutical companies

18 September 2019

On 27 August 2019, the Dutch Minister of Care wrote an open letter in one of the main Dutch newspapers (De Volkskrant), addressed to pharmaceutical companies. In the letter he requested price transparency. He stated that when an explanation for a price increase is proposed by a pharmaceutical company (for example, high development costs or failed trials), he will invite the company to explain this to the public. If the explanation is not plausible, he will consider naming and shaming that company.

On 13 September 2019, pharmaceutical company Laediant sent a letter to the Minister requesting more clarity on the level of transparency required. Negotiations between the Dutch health insurers and Leadiant stalled earlier this year as it appeared that, according to Leadiant, health insurers were not open to a fair negotiation about price because the University Medical Center Amsterdam had been reproducing Leadiant's medicine at a lower price all along. This activity was suspended due to alleged issues with the raw materials. Leadiant now seems to be in discussions with the Minister.

A prior version of this post was originally published by the same authors in Practical Law – Life Sciences, September 2019 Issue (Thomson Reuters).


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Mariemont median closing price: $368,000 (via

Population of the village of Mariemont: 3,403 (2010) (U.S. Census Bureau)

The Village of Mariemont is a National Historic Landmark.

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Product code: 2916

Pierre Mignon, Grande Réserve Premier Cru, Champagne, France

Pierre Mignon, Grande Réserve Premier Cru, Champagne, France

Producer Profile

Champagne Pierre Mignon is a family owned house located in Le Breuil in the Marne Valley.

Over several generations, the family estate has grown significantly with vineyards in the Marne Valley, Côte des Blancs and Épernay. Mignon produces stylish Champagnes with a fresh, vibrant character, all of the wines are made within their own cellars where attention to detail and quality is paramount. Their fresh and vibrant character is balanced with a soft and creamy mousse to produce Champagne that is perfect for any occasion.

The typicality and diversity of the terroirs make it possible to prepare high quality champagnes of character. The vineyard of 14 hectares is spread over the whole of Champagne area - Marne Valley, Côtes des Blancs and Épernay region, planting Pinot Meunier (60%), Pinot Noir (10%),and Chardonnay (30%). All of the picking is done by hand.

The Press and fermenting facilities have been entirely redesigned and now cover 2,500 m²: The fermenting room is air conditioned and thermo regulated and press is ultra-modern. After the careful blending process all of the wines are aged for at least 3 years before release to ensure unwavering quality. The dosage for this wine is 8g/l and the wine is aged for 36 months.

Oak Ageing

No oak ageing

Tasting Note

A crisp, well balanced champagne with citrus hints on the nose overlaid with touches of brioche and yeastiness. The palate is fresh, clean and lively with a creamy mousse and long finish.

Food Matching

Mushrooms and Champagne are a great pairing, so any sort of appetizer you can create using mushrooms will go nicely. Or try it with Sushi, a real treat!

Decanter 90 Points
Melted candle wax and the flesh of ripe plums combine on the nose. Simmered fruit compote notes with foamy freshness on the palate with good intensity and reasonable length. 91 Points, TH, Oct 2020.

Technical Details
Pinot Meunier 80%
Chardonnay 10%
Pinot Noir 10%
Vegetarian Vegan

Natural cork

Case Size:
6 x 75cl


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Product code: 3947

Qupé, "Y" Block Chardonnay, Santa Barbara County, California, USA, 2019

Producer Profile

Qupé focuses on cool climate expressions of Rhône varietals along the Central Coast of Santa Barbara Country.

Due to a their positioning, right next to the cool Pacific Ocean, they are set apart from most other regions of California. They are a proud member of the Rhone Rangers, America’s leading non-profit organization dedicated to promoting American Rhone varietal wines. Their founder, Bob Lindquist, was awarded a Lifetime Achievement Award in 2015 and the Californian poppy logo of the winery is now world renowned.

Qupe’s Y Block Chardonnay is sourced primarily from Bien Nacido Vineyard in the cool Santa Maria Valley of northern Santa Barbara County. Since 2005, Bien Nacido has custom farmed the Chardonnay to our winemaker’s specifications. The Chardonnay is planted on gravel and sandy river bench type soils. “Y” Block Chardonnay is a blend of three clones: California’s classic clone 4 and Dijon clones 76 and 96.

As with all their Chardonnays, this wine was made using traditional techniques: hand-harvested, whole cluster pressed, chilled for 48 hours in tank, then racked off heavy lees for fermentation. Qupe’s Y Block Chardonnay was 100% barrel fermented and aged in French oak— primarily François Fréres Burgundy barrels, 15% new. Aged on the lees for eight months then racked clean to stainless steel for blending and rest before bottling.

Oak Ageing

Time: 8 Months
Type: French Burgundy
% wine oaked: 100
% new oak: 20

Tasting Note

This is a classic cool climate Chardonnay made in a traditional style. Pale straw colour in the glass. Aromas of citrus, Anjou pears, baking spice, and flint waft from the glass. Mouth-coating viscosity on the palate balanced by naturally fresh, crisp acidity. Completely dry, this is an elegantly balanced and structured Chardonnay.

Food Matching

The obvious match would be chicken with a creamy sauce but pork would work equally as well.

Technical Details
Chardonnay 95%
Marsanne 4%
Viognier 1%
Vegetarian Vegan Biodynamic Works Organically

Screw cap

Still wine

Case Size:
12 x 75cl


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Allianz Partners to take on the majority of Aetna International’s portfolio outside the Americas, Thailand and India. Migration beginning now.

Allianz Partners, one of the world’s leading insurance and assistance providers, has today announced a preferred partnership deal which will see it take on the majority of Aetna International’s health insurance portfolio outside the Americas, Thailand, and India. Customers include large multinationals, SMEs and private families.

Aetna International selected Allianz Partners for this partnership deal to ensure that its customers can be migrated to a reliable and well-established international health  insurer that can offer a high level of cover and service internationally. Allianz Partners is also taking on a number of Aetna International employees whose expertise will help ensure a smooth transition.

Allianz Partners and Aetna International are working closely together, and with the global broker community, to make the migration as easy and seamless as possible for customers. Customers will migrate to Allianz Partners at their policy renewal date and detailed migration plans are in place for the next 12-16 months, as customers will come up for renewal at different times throughout the year. Brokers and policyholders will be provided with new, comparable policy terms from Allianz Partners around 6-8 weeks before their renewal date. Preparations are already well progressed for the first migrations which will start in July this year.

Allianz Partners is keeping things as consistent, simple and straightforward as possible for these new customers, providing a proposition which matches and in some cases offers more to customers than their current cover. Allianz Partners will offer the same service and flexibility to brokers as Aetna International and also support moratorium underwriting for migrating clients who are already on those terms. There will also be an enhanced wellbeing offering, at no extra cost, including comprehensive cover for chronic conditions, second medical opinion, oncology case management and a digital health check-up for preventive care.

In line with its approach to serve the needs of different customer segments within this market, Allianz Partners has created a new version of Aetna International’s very popular, flexible and competitive Summit product. Combining the best of Aetna International and Allianz Partners approach to bring an even more attractive product to market for the SME segment. The new Summit product will be available to Aetna International’s migrating SME Summit customers, as well as new Allianz Partners customers.

Aetna International policyholders do not need to do anything at this stage.  Their existing cover and support services remain in place with a commitment from Aetna International to maintain existing service levels during this time. Policyholders will be contacted in advance of their renewal date, in the run up to their transition to Allianz Partners.

Allianz Partners CEO for Health and member of the Board of Management, Ida Luka-Lognoné stated: “We’re delighted to be partnering with Aetna International and are very conscious of the trust they’ve placed in us to look after these customers. Working closely with our broker partners, our focus will be on making the transition to Allianz Partners as simple and convenient as possible for these customers. We will also be extending a very warm welcome to the Aetna International staff joining us to continue providing excellent service and support to our customers. This is a fantastic contribution to the transformation and growth story of Allianz Partners and shows our commitment to the global health market and the delivery of our strategic vision.”

Speaking about the agreement Richard di Benedetto, President of Aetna International added: “Over the last several years, we have made significant headway towards our mission of transforming the consumer health experience by making healthcare more accessible, affordable and simply better. I am very proud of what our business has achieved and the difference we have made to our customers and to our company.  I want to say thank you and acknowledge all my colleagues for their contribution over that period. I am very pleased that we are able to work with Allianz Partners to ensure our customers have a smooth transition at policy renewal and cover with comparable benefits.  Allianz Partners shares our vision to deliver a customer-first approach to healthcare and health insurance, and I know our partners and customers will be in safe hands with them.”

This agreement is in line with Allianz Partners longer-term vision to become a truly global healthcare provider and demonstrates the company’s commitment to, and investment in the fast-evolving global health market and emerging customer segments. As a result of this agreement, Allianz Partners plans to have an even bigger footprint in Asia Pacific, across Hong Kong, Indonesia, Philippines, Thailand and Vietnam, and in the Middle East and Africa, including Bahrain, Kuwait, Oman and Morocco. Offering even stronger regional support to its customers.  This expanded footprint will also result in significant growth in the Allianz Partners medical provider network, offering customers greater choice and accessibility.

In addition, Allianz Ayudhya has entered into an agreement to acquire 100% of Aetna Thailand, a prominent player in the Thai health insurance market. The acquisition reaffirms Allianz’s commitment to further invest and expand its global health insurance business.


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“I’ve been studying in the US for six years. Every year I go back to China to celebrate the Spring Festival. This year I wanted to stay here for like 20 days and then go back but now it’s been almost a year.

I still have all my stuff in the US. I had mostly gifts for my relatives in my luggage when I came here. I don't even have any summer clothes.”

“There was a President's announcement last month saying that Chinese students taking online courses next semester can't stay in the US. And people are like ‘what should we do? We can’t even buy flight tickets!’

Millions and millions of Chinese international students couldn’t stay in the US and got kicked out. No one has done anything, not the US government and not the Chinese government. No one actually cares about the international students at the moment because people are playing their political games.

We feel left out.”

Screenshot 2021-03-30 at 13.25.13.png

“I still illegally use Instagram and Facebook to connect with my friends in the US.

This is where I see that people don't have that mindset to wear face masks because there are limited resources to buy them. I was telling them 'You shouldn't go outside, you should stay in because you don't know where other people have been!'

They tried, but I think it's actually very hard for them. They still go outside and they still celebrate house parties and stuff. I really tried!”

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“At the beginning nobody knew how to deal with this situation and that’s when they just blamed other people. The world started to target China saying this virus is from a Chinese lab and for military use because we were the first country to confirm a case.

And leaders from other countries still use that as a tool to target us because it first started here. But we actually don't know where it started first, we just confirmed it first.”

“I want to go to law school because I can't see myself finding a job in China so I'm trying to find a different path.

What if when I go back to the US the film industry doesn’t hire me?

Extending my thesis and my law school applications really affected my mental health. If I can go back, my drivers licence will expire and I don’t have my visa. I was planning my entire life in the US and now everything has changed, I need to find a different way to continue my dream.”

Screenshot 2021-03-30 at 13.26.14.png

“I got the notification about the US closing the borders for Chinese travellers a day before they actually closed it. I bought a ticket but my parents warned me about getting infected and not having international healthcare so I cancelled my flight.

I decided to stay here and wait until it’s over because my US visa expired. I have to wait for the US to issue it again which they won’t do right now.”

“I’m in this chat-group with 1000 Chinese students who were studying in the US and are now back home. Everybody is sharing their situation and I’m actually doing better than a lot of them because I'm doing my thesis at home even though I don't have my camera or my footage. But a lot of other people actually stay up every night to work for their companies in the US still.

And their mental health is way

worse than my own.”

Screenshot 2021-03-30 at 13.33.32.png

“If you get infected your bill is going

to be hella high!

How do people not realise how harsh the situation is? How the government treats this situation affects people's mindset.

The US government doesn’t

treat it very seriously.”

Screenshot 2021-03-30 at 13.32.34.png

“There’s this internal discrimination against people from Wuhan, because we blame them mentally. We think that maybe they were the cause, but still no one knows.

If your ID card is issued for Wuhan you will be treated differently. People will look at you as if you are infected with Covid.

I feel like they’re mistreated, they are innocent people!”

Screenshot 2021-03-30 at 13.35.37.png

If you loved Suzy's story, you might want to explore these stories next:


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Woman sitting and explaining documents to her grandmother in their home.

Whether you’re a buyer or a seller, you want to have every option at your advantage in a hot real estate market. As a buyer, waiting for news of whether your offer will be accepted can be a real nail-biter, especially if you’re in the middle of a bidding war.

Luckily, you have options like an escalation clause that can help you “stay in the game” when multiple offers come in for your dream home.

Read on to learn more about escalation clauses in real estate, how an escalation clause works, understanding the escalation amount and price cap, and the pros and cons to escalation clauses.

Escalation Clause in Real Estate

An escalation clause is a provision in a real estate contract that automatically increases the offer amount on a home if the seller receives a higher competing offer. The clause states how much more the buyer is willing to pay. Another way to look at it: If other potential buyers outbid them, the escalation clause can protect the buyer from losing out on the home sale.

How Does an Escalation Clause Work?

The buyer’s real estate agent and the seller’s agent work together regarding escalation clauses. The escalation clause should contain the following:

  • A bona fide offer: Sellers can’t simply claim they have an escalation cause in order to get a higher offer from you, the buyer. Nor can their friend submit an offer to escalate the purchase price. Instead, a seller must be able to provide proof of another, better offer than the one you provided. A bona fide offer must be legitimate and enforceable. The buyer may even require the seller to send documentation of the competing offer.
  • The escalation amount: The escalation clause will include the amount which you’d like to outbid any other offers, or how much the price will escalate above a competing offer. For example, let’s say you choose an escalation amount of $10,000. If another buyer offers $200,000 for the seller’s house, the escalation clause would automatically increase your offer to $210,000.
  • The price cap: The price cap represents the maximum purchase price in the case of multiple offers, or how high you’re willing to allow your offer to go.

Talk to your real estate agent about any other terms you might want to include in an escalation clause. Here’s how that might play out in an example. Let’s say you find the home you want in a very popular neighborhood. You offer $190,000 but add an escalation clause that states that if another buyer outbids you, you’ll exceed any other offers by increments of $10,000 (the escalation amount), up to $280,000 (the price cap).

Determining the Escalation Amount and the Price Cap

When you add an escalation clause to your offer, you’ll have to determine up front your maximum purchase price. Your existing budget and ideal monthly payment are important factors in determining your price cap and escalation amount.

In addition, it is always a good idea to get a mortgage preapproval from a lender before you decide on your price cap so you know how much you are able to borrower before committing to an offer amount. If working with a real estate agent, you should consult with them about the amount and price cap of any escalation offer you are considering.

Does the Seller Have to Accept the Escalation Clause?

Sellers do not have to allow an escalation clause. They may prefer to get buyers’ best, final offer right off the bat. Sellers might not want to deal with an escalation clause because bidding wars are typically beneficial for a seller. Also, an escalation clause might feel like a game instead of a straightforward way to make an offer. A real estate agent can tell you whether making an offer with an escalation clause is a good idea.

What Happens When There are Multiple Offers with Escalation Clauses?

When multiple offers with escalation clauses appear, the seller will evaluate the strength of each offer with the buyer’s commitment to complete the sale. Sellers will prefer the buyer that appears to be most serious about committing the purchase, and will consider things like:

  • The amount of earnest money. Earnest money is a good indicator of how serious a buyer is. A buyer that puts down substantial earnest money may appear to be more reliable to the seller.
  • A cash offer. A cash offer indicates to a seller that the buyer is serious.
  • Waiver of contingencies. A buyer might waive the right to a return of their earnest money if they back out of the sale, or waive other contingencies like appraisal, inspection and financing contingencies. A buyer who waives contingencies signals to a seller that there won’t be delays in the sale process.

What is the Maximum Purchase Price in Case of Multiple Offers?

In the case of multiple offers, a buyer may have one opportunity to put their best foot forward to submit an offer in a “best and final” strategy, in which all competing buyers can offer a final offer. The seller can then select an offer outright instead of multitasking several offers with each individual buyer at once.

Benefits and Drawbacks of an Escalation Clause

Next, let’s look at the benefits and drawbacks of an escalation clause in real estate — why or why might you not want to roll one into your offer? Let’s take a look at both the pros and cons.

Benefits of the Escalation Clause

  • Can help in a competitive market: An escalation clause can protect both buyers and sellers when the home might receive multiple bids. Buyers may avoid losing out on a home by having some price flexibility. A few thousand dollars extra could secure your dream home, and really might not be a hitch if the amount still falls within your budget.
  • Can speed up the process. The escalation clause can reduce the back and forth between each buyer’s agent because the next offer is already known.
  • Only offer: If your initial offer is the highest or only offer the seller considers, then the purchase price will not increase – which would allow you to secure the home at a price point lower than you were willing to pay.

Drawbacks of the Escalation Clause

  • The seller knows your maximum offer. The seller will know what you’re planning to offer and the maximum cap price from the get-go, which impacts your ability to negotiate for a lower price. This gives the seller an upper hand in the negotiation process.

When you find your dream home and want to make an offer, an escalation clause can help you eliminate homebuying stress and stay ahead of other offers that may come in on the home.

It’s important to remember that the escalation clause isn’t a guarantee that the seller will accept your offer. Some sellers may not want to deal with an escalation clause.

It would be a good idea to speak with a real estate agent about whether an escalation clause makes sense for your situation, and, if so, they can help you write it into your offer.

Ready to get started? Ally’s mortgage calculator can help you determine how much you can afford.


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What you should know about Icynene (Spray Foam) Insulation

Icynene or “spray foam” insulation is a good way to increase with the R-Value (resistance to heat flow) when building an addition or new home. Most homes in our area are traditionally insulated with either Fiberglass, or Cellulose Insulation. The spray foam is a “continuous insulation and air seal plastic material that is sprayed on walls, roofs, into gaps and corners, and on all contoured … [Read more...]


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Alreza Photography

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Shah Alam
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Room for another challenge? 1000 Hours Outside

Have you heard about the 1000 Hours Outside movement? It was created by Ginny Yurich to encourage people of all ages to spend time outside, embracing nature and setting aside screens. (For detailed information, visit the official site).

This movement has also been a game-changer for developing programming and partnerships at my library ever since a coworker (Thanks, Connie!) discovered 1000 Hours in 2020. By the first summer of the pandemic, families everywhere seemed exhausted by screen-time. 1000 Hours Outside offers the perfect framework for engaging families of all ages and adding a twist to outdoor programming that we were already doing—and you probably are, too.

From story time and story walks to tie dye parties and chalk the walk afternoons—during much of the pandemic, every in-person program we offered took place outdoors. Why not reinvigorate the classics with a challenge?

Wait, another challenge? Between Summer Reading, Winter Reading, 1000 Books Before Kindergarten, etc it seems like we are always planning, promoting, prepping, and running a challenge. But hear me out! The movement’s premise is simple: purposefully spend time outside every day, in every season. Reap the benefits of matching screen time (most kids average 1200 hours per year) with time spent in nature.

We reached out to the Wapsi River Environmental Education Center, a local conservation organization focused on educating the public about natural history, live animals, and so much more. After some plotting, we decided to offer a joint local 1000 Hours Outside challenge for Scott County, Iowa, with permission from Ginny Yurich. Participants can pick up a tracker log from the library or the Wapsi Center and the rest is simple: spend time outside!

There are no milestone rewards for this program. Participants can start tracking anytime and return their tracker in late December/early January for a chance to win an overnight cabin stay at the Wapsi Center. There are no rules—you can even turn in your tracker with less than 1000 hours outside completed, as long as you make an effort. The challenge restarts every January.

Besides the easy set-up of this challenge, another great aspect is the ability to scale tie-in programs to fit every age group, from toddlers to seniors. Nature play and time spent outdoors is important at every age and the ideas for library-based programs are endless.

Here are some highlights from our 1000 Hours Outside-inspired programs:

  • Misunderstood Animals: Naturalists from the Wapsi Center used live animals (snakes!) and furs from coyotes, possums, skunks, and more to teach kids about commonly feared or disliked animals. We also read aloud I (Don’t) Like Snakes by Nicola Davies.
  • All About Bats: Kids listened to a read aloud of Amara and the Bats by Emma Reynolds, a naturalist talked about bats with lots of props, we watched bats on a live cam via a bat sanctuary, and then decorated a bat house to install outside the library.
  • Adventure Kits: Monthly grab-and-go kits containing supplies and guidance for a nature-based craft or activity, such as dissecting owl pellets, creating ice ornaments, and more.
  • Explorer Kits: Circulating kits for all ages. Patrons can check out a backpack of books, tools, and prompts for exploring a nature-themed topic, such as bird watching and animal tracking.
  • Snowshoeing: The Wapsi Center provided snowshoes in child and adult sizes and led us on a journey through the snowy field outside the library.

*Photos were taken with permission by Emily Haage at the Scott County Library System in Eldridge, IA.

This winter I plan to offer a Snowy Story Walk event—bundle up, tromp through the snow, and read a story as you go! Head inside for cocoa and a craft. Events with live animals are always a favorite and will make a return soon, too.

Does your library promote 1000 Hours Outside? What nature-inspired programming do you offer your patrons? How can you adapt this global movement to fit your community? Share your ideas in the comments below.

Emily Haage is the Youth Services Coordinator for the Scott County Library System in rural Iowa. She is also a member of the Early Childhood Programs and Services Committee. You can reach her at emily.arnold@scottcountylibrary.org. The views reflected here are her own.

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Chicago Advertising Translators – Certified Arabic, Amharic, Farsi and Hebrew

Chicago’s Advertising Firms Have a Large Demand for Middle Eastern Translation Experts Executing Multilingual Audio, Video and Print Material

Advertising firms in Chicago are being challenged to create multilingual audio, video and print material in unprecedented amounts. With the advent of the internet and wireless communication the venues for advertising are far more complex than ever before. With instant communication and news the world has become a lot smaller and international trade and understanding diverse cultures is vitally important in the advertising industry. Diversity in Chicago has exploited the need for translation and interpreting in the advertising industry, especially in Middle Eastern languages. Chicago has an extremely large Middle Eastern outreach and brisk Middle Eastern business activity, creating a large need for interpreting and translating services in Chicago for languages such as Arabic, Farsi and Hebrew. Advertising translation in Chicago for Middle Eastern communities and business’s in Chicago is a unique and growing niche within the language industry.

Farsi, Hebrew and Arabic Language Specialists Translate, Interpret and Transcribe Print Ads, Television Ads, International Campaigns, Catalogue and Web Content for Chicago’s Highly Competitive Advertising Industry

In Chicago’s fast paced economy, advertising translation plays a tremendous role in terms of opening up business opportunities on an international level. Without successful advertising, it is nearly impossible for companies to succeed in their attempt to produce a successful product. As work forces continue to diversify, opportunities for foreign language services in Chicago have soared especially in field of advertising, and particularly in Middle Eastern Languages like Farsi, Hebrew and Arabic. Chicago’s Middle Eastern population is very diverse and large. Chicago’s advertising industry is a highly competitive and fragmented industry that is poised for enormous growth as companies and countries around the world invest in international advertising. Global product distribution needs global marketing and advertising. In order to promote global clientele, Middle Eastern language specialists are needed to translate, interpret and transcribe advertising material in a variety of print ads, television ads, international campaigns, catalogue translation, and web content. These elements are all essential in promoting a company’s product. For the best possible Middle Eastern language advertising translation results in Chicago, it is important to hire a Middle Eastern language specialist who understands cultures, specific language intricacies and who can retain the integrity of the intended message. Hiring a qualified advertising translation specialist is the best way to guarantee successful results.

Quality and Culturally Accurate Language Services Are Necessity in Advertising Industry Translation

The importance of advertising in terms of business cannot be understated, especially in Chicago, as advertising gives you the necessary publicity to succeed in a tough business environment. Modern technology in the business world has opened up many international business opportunities that previously were unavailable. Chicago’s companies deal with a large amount of clients and individuals from a wide variety of Middle Eastern speaking countries as well as all corners of the globe. This tremendous diversity cannot survive without the contribution from dedicated translation Middle Eastern language specialists. Middle Eastern Language Specialists are essential in facilitating the many needs of advertising companies in Middle Eastern languages like Hebrew, Arabic and Farsi and. However, when working with other cultures, it is important that you are aware of the certain cultural nuances that define them. Therefore, when attempting to advertise in Chicago, it is essential to hire an advertising translation specialist who is acutely aware of these cultural differences. Having a feel of the culture you are working with, makes translation and other language work that much easier and effective. It also helps facilitate business deals that could prove to be critical to your company’s success.

For a Fast and Free Quote Online, or to submit an order, please click on the service of interest below

What are your communication goals? Every company has specific objectives in mind. Our goal is to ensure that your goals are met. We will work with you in the time frame you require to achieve the success you desire.

Middle Eastern Foreign Language Specialists in Your Local Area

For over a quarter of a Century, American Language Services (AML-Global) has been a premier provider of Arabic, Farsi and Hebrew language services for the Advertising industry. We provide top quality Middle Eastern advertising interpreters, translators for a significant number of Advertising Firms in Chicago, the domestic U.S. market and abroad. We work around the world in all languages for written translations, transcriptions, voiceover, subtitling and verbal interpreting. The experienced staff at American Language Services has the experience and cutting edge technology to enable us to find the best qualified local chicago interpreter in every language and location for whatever your assignment may be. American language Services can be reached 24 hours a day, 7 days a week at 800 -951-5020.

Contact us or give us a call to discover how we can help.

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Andrew Boyajian

Head of Banking

Andrew is the Head of Banking for TransferWise’s operations in North America. At TransferWise, he progresses the digital payments space by closely studying existing banking infrastructures and unearthing solutions that better match and exceed customer expectations. Prior to TransferWise, he served as Director of International and Payments at Kickstarter, where he was instrumental in turning a nascent North American idea into an international phenomenon, launching the crowdfunding platform in 17 new markets. He graduated from Elizabethtown College with a BS in International Business and began his career with Financial Operations roles at Google and Eventbrite. Andrew lives in Brooklyn and in his downtime, he hopes to step foot on the last one or two continents that he hasn’t explored yet.

Event Sessions Featuring Andrew Boyajian

Fireside Chat

Why TransferWise launched borderless banking

AltFi Toronto Summit 2018 - Wednesday 5 December 2018

  • Boyajian believes that there is a gap in the market to handle multi-currencies at the same time

  • The rates that Transferwise uses are obtained every few seconds from Reuters but the firm does not make money on the currency trade.

  • He added that a primary motivation for the firm is thinking how it can support a “global market without borders”

Articles Featuring Andrew Boyajian


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Discover Carmel-by-the-Sea’s hidden gems with a walkabout

Living proof that “smaller is better”, Carmel-by-the-Sea consists of one square mile, fabulously jam-packed with 45 cozy to elegant inns, 60 scrumptious eateries, about 80 unique art galleries and even a doggie therapist! For geographically challenged tourists like myself, it’s a dream come true since once you make the scenic 120 mile drive down from San Francisco, you won’t have to touch your car for the rest of your stay. You can explore Carmel on your own by wandering aimlessly around or I’d suggest signing up for a guided walk or three, to really discover this beachside beauty’s charms. Here are three of Carmel’s best walking tours.

Carmel Food Tour

If you’re having trouble choosing where to eat (so many restaurants, so little time) then take the guesswork out of it and join a Carmel Food Tour, where all you have to do is show up in comfy shoes, roomy pants and of course, pay for your ticket. The fattening three hours flew by as our informative guide, Staci Giovino, the food- obsessed owner of Carmel Food Tours, led us down back alleys and hidden courtyards sharing  her favorite eateries with us, all the while dishing on all the latest foodcentric gossip. We met iconic restaurateurs, many who have been in business for decades, as well as exciting entrepreneurs while sampling signature dishes at each of the seven stops.

Anton and Michel Kobe ribs

Thankfully we had the private courtyard to ourselves so no one saw me sop up every last bit of the slow- braised Kobe beef short ribs at Anton & Michel, a fine dining establishment where you’ll definitely want to use your indoor voice. We returned to A & M’s later that night for a memorable Bananas Foster prepared table-side with dramatic flair.

Van Gogh's table in Cassanova

On to Casanova, touted as Carmel’s “most romantic” restaurant, serving impeccably presented French‑Italian fare to pair with your choice of wine from their 34,000 bottles housed in their hand-dug cellar. For half a century this quaint old house belonged to Aunt Fairy Bird, who was Charlie Chaplin’s cook. The eclectic, antique filled restaurant oozes atmosphere with rustic wood tables and fresh flowers filling the many small fire-lit dining rooms and their charming outdoor patio. The hidden gem here is the intimate Van Gogh dining room with the actual table Vincent Van Gogh used when he lived “Chez Rachoux”.

Cassanova's gnocci

Again I’m reaching for the breadsticks to scrape up every last bit of the sinfully rich Parmesan sauce ladled over the ethereal spinach gnocchi.

The rest is just an epicurean blur of succulent treats and interesting tales that Staci shared with us enroute. There was the seasonal heirloom tomato-cheese salad we enjoyed at the Affina, a new hipster on the block; an eye-opening ultra-premium olive oil and balsamic tasting experience at the trendy Trio Carmel (who would have thunk that a drizzle of white truffle oil over vanilla gelato could change your life forever) and the New-Classic Manhattan cocktail which complemented the North African lamb meatball perfectly at Doris Day’s historic Cypress Inn (circa 1929). This inn is so dog friendly that they even host a “yappie hour” for your furry friend.

We ended with a pop- as we sipped the gold medal winning Brut Rosé at the upscale Caraccioli Cellars tasting room before darting into the Lula’s Chocolates, the Tiffany’s of candy stores, where we clamored for “more please” samples of their famous chocolate caramels topped with various seas salts from around the world.

I sadly bid my new best bud, Staci, a fond farewell before waddling away. But I’ll be back soon to try her new “Gimme A Break-fast Tour”.

Art Walk

After all the great eats, it’s time for some non-caloric eye-candy. Carmel-by-the-Sea has long been a haven for artists, including photographer Ansel Adams and Edward Weston. For a quick overview, you can pop into the Carmel Art Association, founded 1927 (the second oldest art cooperative in the country) that features the work of more than 100 professional resident artists.  However, for a truly inspiring look at the local art scene, sign up for a Carmel Art Tour led by the engaging Rohana LoSchiavo.  Rohana takes all the intimidation out of walking into an upscale gallery and transforms the experience into a non-threatening, educational, fun-filled afternoon. We were invited behind the scenes, receiving warm welcomes from the gallery owners who introduced us to new artists and hear firsthand about their creative process as you explore a variety of art including all forms of painting, art glass, sculpture, and photography on a leisurely walk through downtown Carmel.

Sculpture Steve Whyte

Just a few standout moments include talking to Steven Whyte, who created the War Hymn Monument, the largest bronze sculpture in any USA stadium. When I asked what his favorite part of creating art was he blithely replied, “Who wouldn’t love sculpting naked ladies all day?”

It was also an incredible viewing the vast collection of Edward Weston photographs at the Weston Gallery, one of the oldest photographic galleries in the world. Plus, if I hadn’t been with Rohana, I probably would never have found the Winfield Gallery, where we learned that the charming the artist/owner, Christopher Winfield is the son of Rodney Winfield, who sculpted  “The Brotherhood of Man” which commemorates the Founding of the United Nations in Nob Hill’s Grace Cathedral, and learning the history behind the unconventional “shattered” glass paintings of Cassandria Blackmore, who, because she is dyslexic, sees things in reverse which led to her signature glass shattering process. (Hmmm, Steven Whyte is also severely dyslexic-I wonder if there’s a connection?)

Gael Gallagher’s Carmel Walks

OK, so this walk won’t get any bonus points for its creative moniker but it scores high marks for offering a wonderful tour that reveals hidden courtyards, a labyrinth of passageways, quirky haunts, award-winning gardens and fascinating histories about the quirky characters that add so much to Carmel’s charm.

Kelly, our endlessly entertaining guide, held us spellbound with endless stories about Carmel’s history and the famous architects, writers, artists who call it home. Basically, it got kick-started in 1902 when Michael J. Murphy (who was 17 years old at the time and had moved to Carmel from Utah) decided to build a home for his mom and sister.  After he finished, everyone wanted a Murphy home and his reputation steam-rocketed. By the time he retired in 1941 he had constructed over 300 buildings in Carmel. Today, “The First Murphy House” serves as the town’s “Welcome Center”.

Michael Murphy's first house

But the architect who was largely responsible for the whimsical fairy tale cottages sprinkled like fairy dust throughout town, was Hugh Comstock. He built the first storybook cottage in 1924 for his wife, Mayotta, to house her handmade “Otsy-Totsy” rag dolls.  Kelly told us that while most people adore the 21 remaining Comstock Cottages, former Mayor, Clint Eastwood, disdainfully refers to them as “Smurf homes”.  In his defense Eastwood did manage to overturn Carmel’s Ice Cream Ordinance, a law that prohibited selling and eating ice cream on public streets.

A Comstock Farirytale Creation

Kelly educated us about other idiosyncratic Carmel charms such as the fact that there aren’t any curbs, postal delivery, parking meters, streetlights, house addresses or wearing stilettos, since there is a law still on the books against wearing shoes with more than 2 inches heels! (Fashionistas need not worry since permits are available without charge at City Hall.)

Where to stay

1. On the edge of town you’ll find the charming Carriage House Inn, where you’ll want to reserve the Premium three-room King Suite, which features French Country décor, the world’s comfiest feather bed, a two-person Jacuzzi tub, two fireplaces, mile-high vaulted ceilings, complimentary breakfast in bed, evening wine and appetizers in the elegant library, in-room snack basket, valet service and off-street parking, plus an exceedingly friendly staff.

King Suite at Carriage House Inn

If you’re looking for something a bit more luxurious, the elegant European style of the historic L’Auberge Carmel, a Relais & Châteaux property, that circles a private courtyard and stone fountain. The guest rooms feature French windows, premium bedding, large bath areas with radiant floor heating, and original black-and-white photographs by hotelier Helmut Horn. Your reservation includes Aubergine’s Signature Breakfast, featuring the freshest seasonal ingredients of the area.

For other fine inns and B&B choices, try the Carmel Innkeepers Association who will play matchmaker for a perfect stay.

Save Time to Walk the Carmel Beach

Comments (1)

  1. Pat says:

    That little shop is so adorable. It’s like something you’d see in Disney World! It’s a shame the US doesn’t have places like that anymore, but I suppose that makes traveling to other places all the more special :)

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