Ways to Help Your Child Cope With a Divorce

Ways to Help Your Child Cope With a Divorce
The end of a marriage is not an easy affair for a child to deal with as they will feel lots of frustration and confusion at the situation, and the negative thoughts can cause them to undergo mental stress, forcing you to look for how to help your child cope with a divorce.

A meaningful way to help is to tell them the truth about the divorce rather than keeping it from them because you fear them getting hurt, so they may grieve, come to terms with it, and begin to cope with it.

When you tell them the fact without sugarcoating, it's expected that they will have negative feelings about the situation, and you should let them express these feelings without reservation; for example when they tell you how sad they are that you and your partner can't come together for their games, listen to them and validate those feelings.

To help your child heal faster, it's crucial to involve other people in their recovery process, as the addition of reliable family members, caring friends, and role models can help your child to develop a sense of community and acquire love from other people.

Similarly, ensure that you don't fight in their presence as this can cause them to grow bitter at you, hate the concept of marriage, develop a lack of respect towards the other gender, and suffer bullying at school when they accidentally slip about a lie.

You can contemplate these ways to help your child cope with a divorce.

Tell Your Child The Truth

As much as you fear that your child may be overwhelmed by the truth, it's still important to tell them the truth so it can help your child cope with a divorce.

When you want to tell them, ensure it's after the divorce process has been finalized and not when it's still being considered, and also ensure you will be with them after telling them, to console them with words and hugs.

If possible, try to tell your child with your partner to avoid confusion and allow your child to hear a mutual agreement to separate, which will ensure that the child will continue to trust both of you equally.

Try to be as simple as possible in your explanation, avoiding the deep emotional bits to prevent them from getting confused and only focusing on what is happening, and the days they will spend with both of you.

Allow Expression of Emotions

You can help your child cope with divorce by encouraging them to talk about their feelings; you have to actively invite them to speak to you about their emotions by being approachable every time.

To help them correctly understand their emotions, you can engage in a learning activity to name their feelings, ensuring that they learn to pinpoint the exact emotion they are dealing with adequately.

With the emotions understood, you can similarly help them identify their body's stress responses to different situations and how to use such information to cope with stress.

For a more holistic appreciation of their emotions and to get them to regularly talk about the divorce till they get it out of their system, you can consult a therapist and organize sessions for your child.

Include Other People

Involving other people in your affairs can help your child cope with a divorce well because other people will offer fresh, positive experiences that can help your child slowly strip off the pain from the divorce.

Having a support system can be great for your child in difficult times as the people can listen to your child and offer him assurance and love when you are not around.

You can recruit reliable family members, friends, neighbors, fellow worshippers, or even enroll your child in a sports club to enable them to have someone that will listen to them when you are absent.

Creating these external connections can similarly help your child feel secure, feel like a part of a positive relationship, and gain greater self-esteem, making them feel more positive in life.

Don't Fight in Front of Your Child

It will be a terrible sight for your kid if you fight your partner in front of them as it triggers feelings of sadness and anxiety; thus, you should avoid doing so if you want to help your child cope with a divorce.

You should also not try to block your partner's access to your kid since the child is for both of you, and the child will still long for their parent regardless of what has happened between both of you; therefore, allow an unfettered relationship between them.

Another way to help your child cope with a divorce is to erase the possibility of a situation where they have to choose between you and your partner; try not to make it seem like they aren't allowed to love your partner.

Ensure to think of what's fair to your child, and not only focus on what's acceptable to you as the actions fair to you may not be fair to them; hence, you would be hurting them without knowing.

Clarify That They Are Loved

Usually, kids blame themselves when their parents divorce because their developing minds believe every action in the marriage revolves around them; thus, it’s your duty to take such self-blame away from their minds by telling them they aren’t the fault and you love them.

It’s not enough to say loving words when you want to help your child cope with a divorce, you also have to show it, and you can do this by being an active listener whenever they want to talk to you; ensure you put your gadgets and other distractions away when they initiate a conversation with you.

You can equally show them you love them by creating having fun together through video games, board games, or physical games, allowing you to prove your love to them by creating time out of your schedule to play with them.

Similarly, you may make a special routine for both of you to engage in, such as a bedtime story routine, a special outing every Friday, or a TV show every evening, giving you something unique to share.

A child mourning the loss of their parents’ union can be a painful sight for any parent who wants to always see their child in high spirits and a good mood, hence crafting different tips to help put the child back in high spirits.

If you desire to help your child cope with a divorce, try to tell the child the truth about the situation, allow them to express their emotions, including other people in their recovery, desist from fighting your partner in front of them, and let them know you love them.

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October 7th, 2022

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What Happens In A Personal Injury Lawsuit When Pre-Existing Conditions Worsen

A major part of personal injury lawsuits claims for any type of physical injury caused due to an accident. An accident may be a fall from slipping, a motor vehicle crash, or a supposed negligent act.  Lawyers of the plaintiff often find it challenging to distinguish between injuries caused by an accident and injuries from an existing medical condition. However, it is crucial to overcome this stage and ensure that the case prevails.

The age of the plaintiff and medical history is important here. It is only usual for people to have pre-existing medical conditions or some injuries from beforehand. Sometimes, even a previous trauma, such as an automobile accident, or some injury at work, may leave scars. At other times, people may develop conditions due to aging, such as degenerative discs or osteoporosis.

How Attorneys Assist

Defense attorneys, as well as insurance companies, often argue about the injury and its history. The possibility is that the subject of the accident is not the cause of the injury in this case. Instead, they may also take up a notion debating that the plaintiff is in the same state as he/she was before the accident. In these matters, it is prudent to hire an experienced lawyer. The Walthew Law Firm is a perfect example.

Insurance companies commonly hire medical examiners for an opinion on these issues. These medical practitioners have biases depending on the defense-oriented positions to preserve the causation of an accidental injury. However, they may still pose as a hindrance to winning the settlement.

 If the subject in the lawsuit is a cause of re-injury in a similar or same way or prior complaints were made, it is called “exacerbation of a pre-existing injury” or “aggravation of a pre-existing condition.”

This essentially explains that a prior condition existed but it worsened after the accident. If this is established, the victim remains eligible for compensation for the aggravation.

Aggravation of Pre-existing Condition – The Clause

This clause is often seen in lawsuits involving traumatic brain or head injuries, neck injuries, and back injuries. For instance, if the subject had herniated disc before an accident, and he was functioning with mild pain from time to time but he could perform his daily activities and work. However, because of the accident, herniated disc worsened and now symptoms developed. The same person now needs immediate surgery, as the herniation is severe and typically disabling.

Medical observation and testimony are needed to prove the exacerbation or aggravation of the pre-existing condition. Usually, the plaintiff’s surgeon or physician provides the testimony. On some occasions, however, on certain occasions, the plaintiff may hire a physician to provide proof and testimony on the issue.

Most states are specific about the instructions addressing aggravation of a pre-existing condition. However, the jury must detect the responsible defendant for the situation if they fail to isolate the pre-existing condition and the claimed condition in the lawsuit.

Finally, the jury acts as the fact-finder of any injury causation lawsuit. If the jury detects the accident worsened a pre-existing or underlying condition, it can grant damages for economic as well as non-economic losses.

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to apply

If you are an outstanding and highly motivated candidate, we would like to encourage you to apply for the PhD positions at Wetsus. The application documents have to be uploaded exclusively via the web-based application form on the specific webpage of the research project of choice. The list of research projects can be found here.

Candidates can only apply to one research project (from either of the schemes, EMPOWER PhD Programme or other Wetsus PhD Positions (non-MSCA)) and indicate their second and third preferences on the application form. Multiple applications for different research projects will result in the candidate’s disqualification.

  • Eligibility criteria

    Please read carefully the requirements and eligibility criteria for both doctoral programme schemes. Candidates can only apply for a project that they are eligible for. The eligibility criteria are comprehensively detailed in our Guide for Applicants.

    To be eligible, at the deadline of the call, the candidate must fulfil the following mandatory criteria

    • Hold an MSc degree in the discipline associated with the research topic.
    • The candidate’s full-time equivalent research experience must be less than four years, measured from the date when the candidate obtained the degree entitling them to embark on a doctorate, either in the country in which the degree was obtained or in the country in which the candidate is recruited, even if a doctorate was never started or envisaged.
    • The candidate must not hold a doctoral degree.
    • Additionally, to apply for the EMPOWER PhD Programme scheme, you must fulfil the MSCA mobility criteria: The candidate may not have resided or carried out their main activity (work, studies, etc.) in the Netherlands for more than 12 months in the 3 years immediately before the deadline of the call. Time spent as part of a procedure for obtaining refugee status under the Geneva Convention, compulsory national service and/or short stays such as holidays are not taken into account.

    Moreover, other criteria for the candidates are:

    • During their academic path, have shown research excellence either through high grades and/or an outstanding thesis.
    • Being able to work in a multidisciplinary team in an international environment, and also to work independently.
    • Have excellent English communication skills, both verbally and in scientific writing.
    • Suitability for scientific entrepreneurship and to potentially develop business related skills.
  • Documents/information to be submitted

    These are documents/information required to be submitted on the web-based application form.

    1. A motivation letter, which can be submitted either in a writing format with max of 1 page or a video format of the duration of max 2 min with max size of 100 MB.
    2. An up-to-date curriculum vitae (CV), including the following information: complete name, date of birth, current location, education, list internships and thesis (subject, name supervisor, grade, etc.), publications (if applicable), work experience (if applicable), scientific interests, complementary qualifications, achievements and other relevant information with max of 2 pages in total.
    3. A copy of MSc diploma(s) (or a letter from university stating the expected graduation date) and grades (with explanation of the grading system).
    4. At least one/two signed recommendation letter(s), dated no longer than 1 year before the application deadline, with contact information of the referee(s). If your referee(s) is only able to give a reference letter just under request by Wetsus, please contact us beforehand at

    Please compile all the application documents in one single PDF file (except the motivation video), named with first and last name of the candidate. Additionally, see our application guidelines for the application documents checklist.

    Only applications that are complete, in English, complied with the application rules, and submitted via the application webpage before the deadline, will be considered eligible. Please do not send your application to the email address of the listed academic and Wetsus supervisors.


Workers, Living Standards, and the Politics of Inflation
Portside Date:
Author: Sam Gindin and John Clarke
Date of source:
Socialist Project

Politicians, the media, central bankers and the average worker have all been talking up the recent acceleration in the cost of living. Just a short time ago price rises of just 2% might have been considered ‘inflationary’. In the current phase of the Covid pandemic, inflation in core capitalist states, including Canada, is now running at the 5-7%, far ahead of wage settlements and bumps in income supports for welfare. Inflation always carries important consequences for workers living standards, collective bargaining and meeting basic needs for the poor. Inflation always generates class conflict, most directly and immediately over distribution but indirectly eventually over questions of power over capital and the state. How much of the price rise reflects the breakdowns in supply chains, business efforts to recoup losses during the Covid crisis, and the need to widen profit margins? How much is the calls for a new round of austerity from the capitalist classes and especially the banks presage a new wave of austerity to reverse low interest rates and the spending on emergency social programs during the pandemic? What is driving price rises and will this lead to an inflationary cycle as in the past? From a socialist perspective how should unions and social movements of the poor respond to the current crisis?

Moderated by Herman Rosenfeld. Presentations by

Please click here to watch the video.

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If Oceans Drained Away

A NASA simulation has revealed just how the Earth would look if the oceans were to gradually drain away, with stunning results.

In a recent remake of a 2008 NASA video, planetary scientist James O’Donoghue shows what it would look like if all this water were to flow, revealing the hidden three-fifths of Earth’s surface.

In the new updates, after just a drop in sea levels of 50 metres, the land on Earth is much more visible, with the UK and Ireland joining mainland Europe.

Papua New Guinea and Australia connect also, with Indonesia, Philippines and Vietnam all becoming connected through dry land.

The video also reveals how just a small drop in ocean levels make the continental shelves more visible.

By removing 1,000 metres of sea level, it would be possible to travel from Europe to the Americas by land.

This is how the world would look with 1000m less of sea levels (Image: NASA)

Mr O’Donoghue told Business Insider: “I slowed down the start since, rather surprisingly, there’s a lot of undersea landscape instantly revealed in the first tens of meters.

Here’s his slow-motion version:

“When the last ice age occurred, a lot of ocean water was locked up as ice at the poles of the planet. That’s why land bridges used to exist.

It also shows the longest mountain range on Earth, which appears after the sea level has dropped from 2,000 to 3,000 meters (6,500 to 9,800 feet). It is the mid-ocean ridge, which spans 37,000 miles (60,000 km) around the world. More than 90 percent of it is underwater.

Once the animation reaches 6,000 metres, most of the ocean is gone, but it takes another 5,000 metres of sea level deduction to expose the entirety of the Mariana Trench – the deepest point on the planet.

Mr O’Donoghue said: “I like how this animation reveals that the ocean floor is just as variable and interesting in its geology as the continents.”

He added that emptying the ocean not only reveals the “ocean bottom, but also the ancient story of humanity.”


What To Use Instead of Ketchup In Meatloaf?

A lot of people don’t know that some ingredients can be swapped in recipes. A great example is ketchup. Many people use ketchup when they make a meatloaf, but it’s not the only thing you can use. Here are some things you can use instead!

Ketchup is a sweet and tangy condiment that is popularly used as a topping for hamburgers or hot dogs. It is also often used as an ingredient in meatloaf and other savory dishes. While ketchup is low in calories and fat, it contains a lot of sugar, which can have a negative impact on blood sugar levels and contribute to weight gain over time. You can use salsa, chutney, tomato sauce and other low-sugar sauces and condiments instead of ketchup in meatloaf. You could also use mustard or miso paste as an alternative.

More Things to Use In Place of Ketchup

However, if you don’t like the taste of ketchup in your meatloaf, you can use BBQ sauce, tomato paste, or salsa. But don’t limit yourself to these three options:

You could also use mustard, chili sauce, or even pickle juice.

Another option is to use Worcestershire sauce. It tastes great in meatloaf and it also adds a little more depth.

Ultimately, you can use any condiment that goes well with your meatloaf. Just make sure to adjust the other ingredients if you are swapping out ketchup for another condiment.

What to Do If You Can’t Find The Substitute

If you can’t find the ingredient you need to swap for, don’t worry! There are plenty of different alternatives you could try. Be creative and use what you have in the kitchen.

For example, if you can’t find Worcestershire sauce, you could use soy sauce. If you don’t have tomato sauce, use salsa or tomato paste.

If you can’t find pepper, use seasoned salt and if you can’t find breadcrumbs, try oats, cornflakes, or croutons.

Above all, when you’re cooking it’s important to be creative with what you have available in the kitchen. Plus, it tastes that much better when it’s made with ingredients that are fresh and homemade.

It’s easy to make a great meal with a little creativity!

So, what should you use instead of ketchup? You can use BBQ sauce, tomato paste, or even steak sauce.

Ketchup is a common ingredient in meatloaf, but it may not be the best choice. It can add unnecessary sugar and sodium to the dish, so it’s best to make your own sauce from scratch. A homemade sauce is easy to make and can be used in any recipe that calls for ketchup.

You can also use pureed tomatoes or tomato sauce as a substitute for ketchup in meatloaf. Or, you can use a combination of both!

To create your own sauce from scratch, simply combine a handful of chopped tomatoes with onion and garlic.

Season with salt and pepper, and you have yourself a tasty alternative to ketchup! While ketchup is delicious on a burger or fries, there are healthier alternatives that can be used in meatloaf recipes instead.


Here's the short answer: eventually (English) and eventuell (Deutsch) don't mean the same thing. Luckily for me, this question came up in class and I realised I had been making the same mistake my students were making - another example of a false friend.

So what's the difference? Which word should I use, and when?

Do you know when you should use make or do? Learn by doing - scroll down to choose your level and practise when you should use make or do. If you need to revise, check out this post.

Idiom: a figurative expression or phrase that cannot usually be understood from the individual words it is made up of. Originally, many idioms had a literal meaning, lost or forgotten after years of use. There are thousands of idioms in any language, and the English language is said to have over 25,000 idiomatic expressions. Native speakers are able to recognize and understand idioms easily, but they can be quite a challenge for language learners. Here's the first post in a series aimed at shedding light on some of the best-known idioms in the English language.

These two verbs can be very tricky to use properly if your first language uses one verb for both meanings. Such is the case in German and Swiss German, so it comes as no surprise when learners of English make this mistake. I've heard students using these verbs incorrectly a number of times, so let's have a look at how they're used.

Have a look at these two sentences - one of them is incorrect:

The party was funny. The party was fun.

Which one is right? Fun and funny are two words in English (out of many!) that sound similar but have slightly different meanings - no wonder so many students confuse the two. Read on to find out which sentence is correct (and why).

Prefixes can be quite confusing. Although some languages make use of prefixes like un- or in- to form negative adjectives, mentally translating from one language to another won't always help you get it right. The use of unsensitive instead of insensitive is a common mistake - here's why:


What is Realistic Fiction? The Ryan Patterson

What is Realistic Fiction?

Realistic fiction is, quite simply, fiction. That means it takes place in the real world and deals with real-world issues. No vampires or werewolves here!

What are some examples of realistic fiction?

To give you an idea of  whats realistic fiction looks like, here are a few famous examples:

  • The Fault in Our Stars by John Green
  • The Perks of Being a Wallflower by Stephen Chbosky
  • The Catcher in the Rye by J.D. Salinger

How is realistic fiction different from other genres?

While realistic fiction does deal with real-world issues, it differs from genres like non-fiction or biography in that it is still a work of fiction. That means the author has creative license to change things up a bit, whether it’s making the characters more likable or giving the story a happy ending.

Why should I read realistic fiction?

There are plenty of reasons to read realistic . For one, it can be a great way to escape life’s everyday stresses. And, unlike other genres, fiction often feels more relatable since it deals with familiar themes and settings.

What are the things to keep in mind when reading realistic fiction?

Since realistic fiction is, well, realistic, it’s essential to keep a few things in mind while reading. First, don’t expect everything to be wrapped up in an excellent, tidy package. Real-life is messy, and fiction often reflects that. Secondly, be prepared to have your heart broken. This genre isn’t afraid to deal with complex topics, so be prepared for some emotional reading.

How to write realistic fiction that feels real?

If you want to write realistic that feels real, you need to focus on creating believable characters and settings and nailing the details. It’s all about making the story feel grounded and believable so that readers can suspend their disbelief and get lost in the world you’ve created. Here are some tips on how to do just that:

Create believable characters

Your characters must be complex and fully formed, with their motivations, backstories, and flaws. They should feel like real people with whom readers can empathize.

Develop a believable setting

Your story’s setting should be well-developed and specific, so readers can visualize the world your characters inhabit. Pay attention to the small details, like what the weather is like, what the buildings look like, and what the people are wearing.

Nail the details

The small details will make your story feel real and believable. So please pay attention to how your characters speak and interact with their surroundings and the little quirks that make them unique.

What are some common themes and motifs?

Common themes and motifs in realistic fiction include coming-of-age stories, slices of life, and stories about everyday people. Fiction is all about telling relatable stories, so these are some of the most common themes you’ll see.

So, there you have it! So go forth and escape into a good book! Everything you need to know about realistic fiction.

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Well on track

Several media including REUTERS reported that IKEA was on track to become climate positive by 2030. IKEA is the world’s biggest furniture brand and its annual carbon emissions fell 6% from pre-pandemic levels despite record sales.

Brand owner Inter IKEA defines its value chain as from raw material production to customers’ use and disposal of products. Emissions in the value chain became 26.2 million tons of CO2 equivalent in the 12 months through August. This number was an upwardly revised 27.9 million in fiscal 2019. Thus, fell for the first time compared to the pre-pandemic level.

Compared to fiscal 2020, when emissions fell as stores closed temporarily due to the pandemic, emissions increased 6%. In fact, the number was an upwardly revised 24.7 million tons of CO2 equivalent.

While the climate footprint from materials kept expanding, the drop in total emissions came mainly from several factors. They are the use of more renewable energy across operations, and a larger share of sales of more energy efficient light bulbs and plant-based food.

Inter IKEA CEO Jon Abrahamsson was confident about reaching IKEA’s target to be climate positive. It is to reduce more greenhouse gas emissions than its value chain emits by 2030. He answered in the following.

“We have (since baseline year 2016) managed to do a third of what our ambition is for 2030. Thus, we are well on track. Then there are big challenges ahead and we need to put all our energy and efforts into securing that we continue on a positive trend towards this goal.”

Difficult goal

Our media thinks that 2020 is the year to raise our awareness on climate change. For example, our research correspondent has been living in Barcelona, Spain. In the spring of 2020, Spain was one of the worst hit countries by the pandemic. As a result, the country introduced one of the severest restrictions in the world. He could go out only twice or three times in a week to purchase groceries in the nearest supermarket.

After spending this kind of life for two months, he found that the air in roads became clearer. Thus, he was able to see longer view than before. This story looks fake, but the reality is true. In the end, he naturally felt that he would want to reduce greenhouse gas emissions (GHGs) as much as he can. He wanted the cleaner world.

We assumed that a trend to reduce GHGs would continue, but it did not happen. Like IKEA, we have increased GHGs in 2021. Therefore, it seems very natural that climate activists including Greta Thunberg have advocated that we need further actions to make our society more sustainable.

In this sense, big companies including IKEA must be a good example to realize economic value as well as social value. Of course, they are running their businesses in capitalism markets, so it is important for them to increase sales and profits. However, they have big responsibilities for our society at the same time. Thus, we want to believe that the Swedish company will be able to achieve climate positive by 2030.


A downloadable game

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This is a love letter to Dwarf Fortress. It was a submission to the 2019 Golden Cobra contest.

There was a page count limitation, and it's not exactly a larp. However, I am satisfied at what came out. Consider it a mini-game with elements towards a full tabletop (or floor) version of DF. !STRIKE THE EARTH!

Download NowName your own price

Click download now to get access to the following files:

DFanalog.pdf 1 MB

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bruh how i play this?

It was part of a design competition. So the rules are very light. It is almost improvisational. It is intended to be a simple crafting process that emulates Dwarf Fortress in spirit. The tables provided are based on things that happen in the game. It is expected that anyone attempting to play the game must be familiar with the fortress mode of Dwarf Fortress, and would then play out a crafting process of making a fort along with  spontaneously  introducing random elements into the flow of play as it does in the video game.


‘Rolling Stone’s 2011 Best of List Leaves Out a Lot of Prominent Singers Who Aren’t Men

This week, freelance music publicist Eric Alper tweeted out a list of the best lead singers of all time as chosen by Rolling Stone readers circa 2011. Here’s the list:

  1. Robert Plant
  2. Freddie Mercury
  3. Bono
  4. Mick Jagger
  5. Jim Morrison
  6. Roger Daltrey
  7. Eddie Vedder
  8. John Lennon
  9. Chris Cornell
  10. Kurt Cobain

You may notice a theme. Rolling Stone did. “Remember, we just count the votes – even if they are exclusively for white men,” they said defensively in the intro.

Freddie Mercury is of South Asian heritage, and isn’t white. But the general point stands. Tasked with choosing the greatest lead singers in history, Rolling Stone readers picked, and Rolling Stone published, a list that was exclusively male and included zero Black people. Given the centrality of women and Black people in popular music, from Ruth Brown to Beyoncé, that’s a stunning coincidence.

Of course, it isn’t a coincidence at all. Musical excellence and musical canons, are intertwined with assumptions about gender and about race. The result is that the genre of “great music” ends up being defined as white and male. That, unfortunately, has powerful negative effects far beyond one silly old reader’s poll.

So, how do you manage to create a poll of great singers that excludes all Black people and all women? You largely do it by appealing to unstated genre assumptions. Rolling Stone asked their readers to choose the best “lead singers.”

Now, “lead singer” can cover a wide range of genres and performers. Jazz vocalists like Ella Fitzgerald and Billie Holiday performed in front of large and small bands. Gospel singers like Marion Williams and Sam Cooke sang in front of gospel groups. Smokey Robinson, Michael Jackson, and Beyoncé performed lead for pop vocal quartets and quintets. You could even extend the definition to classical featured vocalists like Paul Robeson or Marian Anderson. And what about Celia Cruz? “Lead singer” could be anyone who is a featured singer. That’s a big pool.

However, Rolling Stone is Rolling Stone; it’s a magazine for aging classic rock listeners, primarily. So in that context “lead singer” slides from meaning “anyone belting it out in front of a group of musicians” to meaning “lead singers of guitar rock bands from the 70s to the 90s.”

Which is how you end up with a list that implicitly argues that Jim Morrison is a better singer than Sarah Vaughan. Which is a silly thing to say, to put it mildly. And I like Jim Morrison!

The issue isn’t just that this poll is poorly worded. The issue is that genre designations in popular music have long been constructed, more or less deliberately, around gender and race in ways that tend to canonize white men.

Back in the 20s, musicians like Mississippi John Hurt and Jimmie Rodgers shared a single rural musical culture. But executives segregated their recordings into the genres “hillbilly” and “blues” based on the race of the performers and the race of the intended audience. You still see these divisions today, with R&B artists differentiated from pop largely on the basis of skin color, creating such painful, obviously raced designations as “blue-eyed soul.”

The story of rock in this context is especially egregious. Rock derived originally from almost entirely Black jump blues performers—Louis Jordan, Bull Moose Jackson, Dinah Washington, Ruth Brown. The golden age of rock and roll included an integrated list of musicians: Little Richard, Jerry Lee Lewis, Mickey and Sylvia, Bo Diddley, Elvis.

But in the 60s, as the Beatles became the most influential and iconic rock band, Black performers were pushed into other genres. Otis Redding was strongly inspired by Little Richard; Ray Charles was one of the primary influences on the Beatles; both got designated as soul, not rock. Vocal groups, central to early rock and roll, got identified with pop, so if you say, “the Supremes and Destiny’s Child are rock” people look at you like you’ve taken a wrong turn.

The white racialization of rock became so intense that when Jimi Hendrix began to perform guitar rock with white bandmates, critics claimed he was selling out his blackness, and bombarded him with racial slurs. (Jack Hamilton has chronicled Hendrix’s early white critical reception at depressing length in his book Just Around Midnight: Rock and Roll and the Racial Imagination.)

If separate could be equal, the segregation of music genres might not matter. But separate isn’t equal, as the disgraceful treatment of Hendrix illustrates. Rock excluded Black people. But rock was also considered to be a broad, unmarked, general catch-all. Rock meant both, “white guitar rock bands” and “all pop music.” Which is why people feel comfortable saying “this is a list of best albums of all time” and then listing only white rock bands of the 60s and 70s in the top ten, as if Miles Davis, Björk, and Beyoncé don’t exist.

Things have gotten somewhat better in this regard as guitar rock has lost its footing on the charts, and gatekeepers have become (somewhat) more aware of the problems with canonizing only white guys. Rolling Stone itself has updated its 500 Greatest Albums of All Time list to include more hip hop and R&B. Marvin Gaye, Joni Mitchell, and Stevie Wonder all finally manage to push aside the Beatles, the Stones, and Dylan in the top ten.

Still, racial and gender defaults are hard to escape. The only Black woman, or for that matter woman of color, in the top ten in the updated Rolling Stone list is Lauryn Hill at number 10. All the albums are by Anglophone performers from the US and UK. And so forth. It’s hard to keep your canon out of a rut. And those ruts tend to run in grooves of power.

Those grooves also, unfortunately, run over people. Best of lists can be fun and personal (like mine!) But when particular canons become validated and ossified by institutions, that has material effects. White classic rock bands get constant boosts to their back catalogs when they’re selected for best of lists over and over. Black artists who defy genre categorization, as Hendrix did, can still get erased or insulted (as Beyoncé was when she performed at the Country Music Awards.)

We live in a racist, sexist society, with a racist, sexist music industry, and as long as that’s the case, even seemingly trivial conversations about music are going to have racial and gendered implications.  As singer/songwriter Mobley says, “We have to be really careful about how we define greatness and how we talk about it. Because speaking as an artist, the impact that that stuff has on real decisions about how people get to live their lives is actually pretty dramatic.”

And because lists are fun (but not just fun!) Here are my top ten vocalists of all time

  1. Marion Williams
  2. Yma Sumac
  3. Sam Cooke
  4. Sarah Vaughan
  5. Virginia Rodrigues
  6. Yamataka Eye
  7. Celia Cruz
  8. Albert Kuvezin
  9. Robert Plant
  10. LaVern Baker

Image Credit: HBO.


Tips on how to Improve Communication in a Relationship

If you’re within a relationship, poor communication can result in heated fights and uncertainty. If you’re troubled to talk to your partner, there are lots of ways to place problems and start improving your interaction skills. Several common signs and symptoms include interruptions, assuming, and dismissing your partner. mail order bride dating sites You could notice these actions, or all of them.

First, question your partner issues. Try to know what they’re sense and what they’re thinking. This will help to you make the conversation more meaningful and less painful. Preferably, it ought to be done in a relaxed setting up without technology or interruptions. Once you know how your partner seems, it will be easier to convey your feelings.

Second, avoid yelling. Yelling drowns out the message and creates even more problems. It also shows that you experience a lack of mental control. Rather than yelling, try to be simply because clear and concise as it can be. Then, you’ll certainly be much more likely towards your point across.

When you and your partner find it hard to converse, consider carefully your communication styles. You both has a completely unique preference. You can definitely find that mental communication can be your lover’s strongest sort of communication. Or perhaps you might favor emailing or video calling. No matter what method you select, make sure you speak about crucial issues, not chit chat. The goal is always to keep connection between you and your spouse as healthy as possible. You could be surprised at exactly how easy you should build a healthier communication design, so it is worth practicing and learning.

One more why do not be able to communicate with your partner is because of a strained schedule. Stress can cause lovers to take their own issues from their lovers. In such a circumstance, your romance may suffer. When this occurs, you may not think your partner as a partner any more, and you may realise you are putting your own requires before your partner’s.

Healthy communication is vital to a cheerful relationship. That involves conversing with your partner freely and tuning in with a cardiovascular system, which produces a safe environment just for intimacy. Remember, your partner really wants to think that you understand her or him and respect his or her point of view. The key to good interaction in a marriage is being a supportive partner and being your lover’s #1 supporter.

Besides, interaction is important in all aspects of life, and human relationships will be no different. As you communicate with your partner, you can support each other handle difficult conditions and work through disagreements. Additionally, it may help you share your needs and desires while not feeling difficult or frustrated. If you do not communicate, the relationship are affected as well. Communication is essential meant for long-distance interactions, as well as live-in partnerships. Not having it, no-one can understand your emotions and feelings.


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Geoffrey B. Fehling
Michael S. Levine

In the following guest post, Geoffrey B. Fehling and Michael S. Levine review and analyze a September 2, 2021 Fifth Circuit decision in which the appellate court reversed a lower court ruling and held that a D&O insurance policy must cover a settlement related to a social engineering loss. Geoffrey is a counsel in Hunton Andrews Kurth’s Boston office and Michael is a partner in the firm’s Washington, D.C. office. I would like to thank the authors for allowing me to publish their article as a guest post on this site. I welcome guest post submissions from responsible authors on topics of interest to this blog’s readers. Please contact me directly if you would like to submit a guest post. Here is the authors’ article.

The Fifth Circuit recently reversed  a lower court’s no-coverage ruling, holding that a D&O insurer must indemnify a financial services firm for money wired to a fraudster pretending to be a customer. The ruling in HM International v. Twin City, No. 20-20122, 2021 WL 3928970 (5th Cir. Sept. 2, 2021), shows the breadth of defense and indemnity coverage under many D&O policies for tort claims alleging that the insured’s misconduct resulted in financial losses and highlights the need for financial services firms to carefully construct a comprehensive liability program to avoid overbroad application of “professional services” exclusions like what the policyholder had to correct on appeal.

HMI provided various accounting and financial services to Greg and Kathy Geib. One day, HMI’s CFO received an email from Mr. Geib’s account, requesting that HMI send $1 million to a certain bank account. HMI complied and executed the order. Unbeknownst to HMI, the email was from a fraudster impersonating the Geib’s, and when the firm received a second email for another transfer two days later and contacted the Geib’s, it discovered the fraud. But the damage had been done, causing the Geib’s to lose $1 million, much of which was unable to be recovered.

Three months later, the Geibs accused HMI of negligence and demanded that HMI compensate them for their losses. HMI notified its D&O liability insurer, Twin City, of the demand, but Twin City refused to provide coverage, contending the claim was excluded under the policy. HMI sued Twin City alleging breach of the policy and, while the coverage litigation was pending, HMI settled the Geibs claim for $470,000 and assigned its right to pursue recovery of the stolen funds from Twin City. The Geibs never filed suit against HMI.

The parties cross-moved for summary judgment. The district court ruled in favor of Twin City, finding that it had no obligation to provide coverage for the settlement payment to the Geibs because the settlement was made after the limitations period had run. Specifically, the court held that the settlement payment was not a “loss” because it was not an amount HMI was “legally liable to pay solely as a result of a claim.” The court reasoned that, “[i]n the very sense of the words ‘legally liable,’ a claim barred by the statute of limitations cannot be a claim in which HMI faced legal liability—the law actually bars liability.” HMI appealed the ruling to the Fifth Circuit.

The Opinion

Applying Texas law, the Fifth Circuit reversed the district court’s ruling on multiple grounds.

First, the district court misapplied the D&O policy’s definition of “claim” by equating it with “cause of action,” which was apparent from the district court’s reference to a claim barred by the statute of limitations. A cause of action can certainly be barred by the statute of limitations, the Fifth Circuit reasoned, but the policy’s definition of “claim,” which broadly includes a “written demand for monetary damages or other civil non-monetary relief—i.e., a Demand Letter—cannot.”

Second, the district court erred by barring coverage under the assumption that “HMI actually lost or would have lost had the Geibs filed suit” and, as such, HMI could not ever be “legally liable to pay” the claim because any suit by the Geibs would have been time-barred. The Fifth Circuit ruled that this view was inconsistent with Texas law, which interprets “legally liable to pay” to include a “contractual obligation to pay” through settlement. The broader view of “legally liable to pay” is further bolstered because the policy includes “settlement amounts” among the list of covered damages.

Clarifying those two misinterpretations, the Fifth Circuit found that coverage for HMI’s settlement payment to the Geibs becomes clear—the demand letter constitutes a “claim” because it is a “written demand for monetary damages or other civil non-monetary relief” and “HMI’s settlement payment constitutes a Loss because it is an amount that HMI is legally liable—through contract—to pay to the Geibs as a result of the demand letter.”

The Fifth Circuit explained further that the Geibs’ failure to timely file suit is immaterial because the D&O policy “does not require that the party suing the insured win a judgment” or even that they file suit at all. Likewise, the policy does not require a policyholder to “meet a threshold likelihood of losing the threatened lawsuit before a settlement can be recovered.” In defending the lawsuit, HMI had the right to “measure the legal risk it presents and decide whether to settle,” which is why Texas law holds that “insurers that breach their duty to defend cannot challenge the reasonableness of a subsequent settlement. The merits of the hypothetical suit by the Geibs do not change that “basic tenet of insurance law.”

The Fifth Circuit also quickly dispatched Twin City’s two alternative theories against indemnifying HMI. Twin City argued that it had no duty to indemnify HMI because the settlement “was not the result of an adversarial process.” The court disagreed because the lack of an adversarial process “only releases an insurer that breached its duty to defend from being fully bound by the settlement.” Stated differently, “showing the settlement did not result from a fully adversarial process gives insurers the opportunity to contest the amount and validity of the settlement, but it does not give them a get-out-of-coverage free card.”

The court also disagreed with Twin City concerning the adversarial nature of HMI’s settlement, which turned on whether HMI bore an actual risk of liability for the damages agreed upon or had other meaningful incentives to ensure that the settlement accurately reflected the Geibs’ claimed damages. The court found that the “possibility of being liable for damages or the settlement if the insurer does not ultimately cover it” was an adequate incentive to make the settlement “adversarial.” In HMI’s case, it settled with full knowledge that if it lost the pending coverage dispute it would be responsible for the settlement, which is enough incentive to reach a fair settlement.

Finally, Twin City argued that coverage was barred by the policy’s “professional services” exclusion for loss “in connection with any Claim based upon, arising from, or in any way related to any actual or alleged . . . rendering of, or failure to render, any services for or on behalf of others for a fee.” It contended that HMI “regularly performed wire services for the Geibs for a fee” and that the Geibs’ threatened suit arose from a wire service. HMI disputed that the wire transfer it provided was “for a fee.” Citing evidence that the parties’ services agreement did not list “wire transfers” among the services for which HMI charged the Geibs and testimony from an HMI employee that wire transfers were free, the Fifth Circuit found that Twin City was not entitled to summary judgment based on the professional services exclusion due to a genuine dispute of material fact.

The court vacated summary judgment in favor of Twin City and remanded for further proceedings.

The HM International decision touches on a number of important coverage issues for policyholders to consider, both in pursuing recovery for social engineering losses and, more generally, in purchasing and renewing D&O policies.

The first is not to overlook D&O policies as a potential source of recovery for cyber scam liability. With a continued uptick in both the frequency and severity of social engineering, business email compromise, phishing, malware, and other cyber threats, companies are facing more risk than ever, some of which may be covered by D&O, E&O, general liability, and other non-cyber policies.

Second, policyholders must remain vigilant in aggressively pursuing coverage based on the actual policy language used and not based on the insurer’s preferred narrow reading of coverage grants or expansive reading of exclusions where those interpretations conflict with the policy’s plain language. In the case of HMI’s claim, the insurer (and later, the court) adhered to readings of “claim” and “legally liable to pay” that artificially constricted coverage inconsistent with the policy’s broad grant of coverage for “demands” for monetary and non-monetary relief that could result in legal liability for settlement payments. The Fifth Circuit’s reversal is a good reminder to meticulously review every applicable policy provision compared to the insurer’s grounds for denying or limiting coverage to ensure that the insureds are getting the benefit of the purchased coverage.

Third, be wary of broad language in “professional services” and other exclusions. The lead-in language in HMI’s policy, which applied to any loss “based upon, arising from, or in any way related to any actual or alleged” professional services, was especially broad. Policyholders often can negotiate more reasonable causation language or narrower definitions of “professional services,” especially when a significant portion of the insureds’ business is to provide services that could be deemed professional in nature. Financial services firms—or really any business that performs services for a fee—should pay close attention to “professional services” exclusions that may result in large swaths of business potentially outside the scope of D&O coverage. Coordinating appropriate types of liability coverage across multiple policies, including by purchasing a separate E&O policy to respond to professional liability claims, can mitigate the risk of disputes like those in HM International that can result in significant gaps in coverage.


Google Ranking Factors 2022-Performance & security Factors

Google tends to rank HTTPS websites better, striving to protect users. Having a valid SSL-certificate helps a website receive some ranking boost.Back in 2014, Google officially introduced HTTPS as a ranking signal.

However, according to Garry Illyes, it’s not a critically important factor.
It’s important in general, but if you don’t do it, it’s perfectly fine. If you’re in a competitive niche, then it can give you an edge from Google’s point of view. With the HTTPS ranking boost, it acts more like a tiebreaker.
Security’s been one of Google’s concerns for quite a long time. So it’s not surprising that HTTPS was made a ranking signal. And though it is considered to be not a big ranking game changer, it seems to be better to migrate to HTTPS, than not to migrate. Leaving aside SEO, think about doing it for the sake of users.
2.Server location
A server location may signal search engines your website’s relevance to the targeted country and audience.
In this video, Matt Cutts hints at the probability of better rankings, in case of having your site hosted in the country you target audience lives in.
So, just like having country-based top-level domains, a hosting server location is likely to make search engines better understand what audience the site content targets and include it in search results for a certain country. And that’s especially important when you target a highly competitive local SERP.
3.Page speed
Page speed is considered to be one of the most significant ranking factors, especially for mobile sites.
Site speed has officially been a ranking factor for a long time already. Starting from 2018, it has been announced a ranking factor for mobile search.
Today, as the majority of searches are made on mobile devices, and users tend to leave a website that takes more than 3 seconds to load, having a faster website is a huge advantage. Moreover, Google’s giving more ranking opportunities to faster websites. Thus, it’s critical to take the necessary steps to increase your site speed (which may include using a CDN, applying compression, reducing redirects, optimizing images and videos, etc.).
4.Mobile usability
Mobile usability is one of the principal factors for a website to rank in mobile search. Multiple case studies prove the correlation between mobile usability and rankings
Introducing the increasing number of mobile-friendly results in search, Google has highlighted the importance of mobile usability for rankings.

Due to the increased number of mobile users, Google’s encouraging websites to make their content accessible for mobile users and ensure smooth performance on mobile devices. Think of everything that can improve user experience for mobile searchers — design, layout, functionality, etc.
Accelerated mobile pages (AMP) are the so-called mobile-friendly copies of website pages. In fact, they are lighter HTML pages created to save users’ time on loading content. There’s been evidence that AMP pages tend to rank higher. Having AMPs is considered to be a condition for a website to appear in the news carousel.
John Mueller claimed that AMPs were not a ranking factor. He admitted, however, that Google could use them to assess a site quality, provided that they were canonical pages.See more about SEO.

“So I guess you need to differentiate between AMP pages that are tied in as separate AMP pages for your website and AMP pages that are the canonical version of your site.

…if it’s a canonical URL for search, if it’s the one that we actually index, then yes we will use that when determining the quality of the site when looking at things overall. ”

AMPs are a great solution for mobile web — they make websites much lighter and thus, deliver content to users faster (and speed matters greatly for mobile users). Though not a direct ranking signal, AMPs still may impact site quality.


Dentist Oxford 3 Toothbrushing Tips from Your Auburn, MA Dentist

3 Easy Toothbrushing Tips from Your Auburn, MA Dentist

Establishing a regular dental hygiene routine can be difficult if you weren’t appropriately taught in your childhood, but everyone starts at the beginning. We’re here to give you some basic steps that can significantly improve your dental hygiene and lessen the chances of tooth decay and cavities.

Keep reading to learn some easy toothbrushing tips from your Auburn, MA dentist you can implement today!

Remember the 2-2-2 Rule

This is one of the most important things to remember regarding dental hygiene. Brush your teeth twice a day for two minutes at a time. Otherwise, plaque and food debris will still be lingering on your teeth and contribute to tooth decay.

You’ll also want to schedule cleanings with your dentist twice a year.

Don’t Swish

Did you know that swishing your mouth with water after brushing your teeth is ineffective? This is because you want to let the fluoride in the toothpaste take time to sit on your teeth. This will enable it to more effectively strengthen and protect your enamel.

Change Your Toothbrush

You should purchase a new toothbrush every time you see the bristles bending or every three months. You may also want to invest in an electric toothbrush. The vibrations or oscillations from an electric toothbrush help clean more effectively.

Suppose you’re prone to pressing too hard against your teeth and causing gum damage. In that case, electric toothbrushes will also help you brush with gentler motions.

Schedule an Appointment with Your Auburn, MA Dentist Today

If you struggle with a regular dental hygiene habit, your dentist will examine your teeth and give you tips that can make the most impact. They’ll also be able to provide product recommendations if you’re struggling with tooth sensitivity, receding gums, or gingivitis.

Are you ready to schedule an appointment with an Auburn, MA dentist today? We strive to provide high-quality dental care through professionals who care about their patients. Contact us today to get started!


Vidrio, Spain

The facilities of the Vidrio packaging plant required an air distribution system to ensure the good condition of the fruit through accurate and precise control of the temperature, humidity of the environment, and impeccable hygiene.

Combi 20, Combi 30

Suspension type

Type 08 AiO, Type 12

Total airflow

24.000 m3/h

MicroFlow™, SonicFlow™

ILERFRED, the installation company, worked with our FabricAir team to develop a fabric-based air distribution solution for the air conditioning project for the 5 rooms in the Vidrio packaging facilities.

The installed ducts have a combination of SonicFlow and MicroFlow flow models and a type 12 suspension in the semi-circular ductwork and type 8 All-In-One made of anodized aluminum that complies with REACH and RHOSS recycling regulations and facilitates the assembly and disassembly of the ducts.

A total of 250 meters of fabric ducts were installed with semicircular and circular sections in blue, matching the colors of the warehouse, and manufactured in Combi 20 and Combi 30 fabrics to optimize the investment, since these installations are only in operation during the summer months, and to ensure optimal hygiene and easy maintenance.


Lower risk investment option for average investor

BY: Franklin Ayensu
The writer

The maxim “all hands are not created equal” rings true in many spheres and perhaps, it is most true when it comes to investments. From the quantum of available disposable income to the needs and aspirations of the investor, as well as their level of understanding of financial markets to their tolerance for risk, there is no one-size-fits-all box.

As a matter of fact, there is a wide range of investment vehicles available for every investor class. These asset classes are, most often than not, defined along the risk-return spectrum. They include the least risky (cash and its equivalents and progress to fixed income securities) to higher-risk equities and the ultra-speculative (cryptocurrencies) which carry the added risk of not having any regulatory oversight in many jurisdictions.

The basic rule of thumb is that the higher the risk, the higher the potential return. This simply means that the investor is likely to gain more (but also equally likely to lose more) from investing in the higher-risk asset classes.

Since many investors have clear and present obligations that fall due periodically, the most conventional asset class for the vast majority of investors is that which provides fixed and periodic returns, whilst safeguarding their initial investments. If there is a starting point or only one option for most investors, it can be fixed income securities.

Fixed Income Securities

Fixed income securities, in the simplest form, refer to a debt instrument that pays fixed periodic interest amounts called coupon payments and the eventual return of principal at maturity to the investor. It can also be referred to as an investment asset class that provides contractual cash flows. It has the twin goal of preserving capital, whilst providing a steady stream of income to the investor.

There are various types of fixed Income securities. Predominant amongst them are bonds, treasury notes, treasury bills, bank fixed deposit and other money market instruments.

Bonds are debt instruments in which an investor loans money to an entity (corporate or government) that borrows the funds for a defined period of time at a fixed interest rate. They have tenures of two years and above. Interest on bonds is usually paid semi-annually. Bond prices have an inverse relationship with interest rates, that is when interest rates rise, bond prices fall and vice versa.

A treasury bill is a short-term investment product (from 91,182 and 364 days) offered by central banks on behalf of the government. It offers a one-time interest payment at maturity. The security (bill) is sold at a lower price than its face value, or a discount. When the bill matures, investors are paid the face value amount. The interest earned or return on the investment is the difference between the purchase price and the face value amount of the bill.

In return for depositing money with a bank for a predetermined period, bank pays interest to the account holder. This is known as Bank Fixed Deposits (BFD). Interest rates on BFD are normally lower than bonds but higher than traditional savings accounts.

Money market instruments, unlike bonds, are not long term in nature. They usually have tenures of less than a year. However, like other fixed income securities, they too bear a fixed rate of return. There is a wide variety of money market instruments such as commercial papers, repurchase agreements, etc. which are commonly traded in the open market.

Think of individuals who have an amount of money and would like to invest but are risk-averse, and as such not interested in stocks, currency speculation and trading or crypto currencies etc. but also want the principal amount invested intact as part of saving towards their child’s education from 2027. They can consider fixed income investments.

It is worth noting that the returns from this asset class are safer and secure as it is usually backed by the true faith of the issuing entity (government, financial institutions, blue-chip companies and corporates). However, “fixed returns” offered by unscrupulous entities have plagued and sadly, will continue to plague the financial market.

Fixed income investments come with comparatively lower risks but they are not entirely risk-free. They are subject to interest rate risk that is a change in the market value of the investment as a result of a change in the market yield (interest rate). Also, they are affected by credit risk – the possibility that an issuer could default on its contractual obligations as and when they fall due, especially for corporate issuances.

Assuring investors of guaranteed returns irrespective of whatever happens in the financial market is not entirely true as a result of the risks enumerated above. Conventional wisdom suggests that investors should diversify their portfolios; this can be done across different or within the same asset class. Investors can, and perhaps, should have a mixture of fixed income instruments of varying maturities and coupon (interest) payments.

It is easier to achieve this when there is enhanced access to a secondary market, especially for non-institutional investors.

Overview of the Ghana Fixed Income Market

The year 2015 marked a watershed moment for the fixed income market in the country as the Ghana Stock Exchange (GSE) launched the Ghana Fixed Income Market (GFIM) to facilitate the secondary trading of all fixed income securities at large and other securities to be determined from time to time.

The market is being regulated by the Securities and Exchange Commission (SEC) and the Bank of Ghana (BoG). The key objectives of the GFIM are: to bring about greater efficiency; better price discovery; increased liquidity; and greater transparency in the secondary trading of fixed income securities in Ghana, as well as bring secondary trading activities in the fixed income securities in Ghana to international best practice standards. To maintain an orderly and efficient market in securities on the GFIM, members and their registered traders shall comply with the Code of Conduct and general principles as prescribed by GFIM.

The bouquet of instruments currently traded on the GFIM include Government of Ghana treasury bills, notes and bonds, Bank of Ghana money market instruments, quasi-Government of Ghana institutions’ money market instruments, corporate notes and bonds.

The market can in the future enhance capital formation through local government bonds, district bonds, green bonds and other asset-backed securities.

This singular move has not just opened up the market for the state and private institutions to access more funds; it has also provided retail investors’ participation, improved liquidity and enhanced price discovery across the board. The GFIM is duly regulated to guard behaviour of the investing communities.

The initiative has been so well received as evidenced by the sheer volume of trades recorded on the market since its inception. The standardised fixed income market has grown exponentially from a volume traded of 5.2 billion in 2015 to 208.7 billion in 2021.

The right place

Navigating the investment waters, even for a rather conservative option such as fixed income security, can be a daunting task for many investors. This, however, is respite with the right bank.

With an industry-leading treasury arm, with strong research capabilities, in-depth understanding of financial markets, coupled with the highest regard for ethics, investors are guided and advised on what financial decisions to take.

Over the past half-decade, Access Bank for instance has consistently been in the top half of all banks in the country for key metrics such as total operating income, total assets and deposits, net interest revenue, Profit Before Tax (PBT) and Profit After Tax (PAT).

The writer is the Head of Treasury, Access Bank Ghana.


Join date: Sep 6, 2022

YouTube Clone:- One explanation YouTube is so well known is the sheer number of recordings you can find. By and large, 100 hours of video are transferred to YouTube consistently, so there's continuously a novel, new thing to watch! Furthermore, you'll track down a wide range of recordings on YouTube — lovable felines, idiosyncratic cooking demos, entertaining science illustrations, speedy style tips, and significantly more.

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