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The Beginning of the End.

“The People cannot find out about this. We have to remain loyal and most importantly, quiet.”

The two men shuffled up the hallway, having closed the red door slowly and firmly behind them. The first of the unlikely looking pair was tall, too tall for his build, and had wild, chestnut hair. He was young, but his face was peppered with worry lines and his constantly furrowed eyebrows had left permanent wrinkles etched into his forehead. The second man, slightly older and considerably shorter than the first, struggled to keep up.

Slightly out of breath and stricken with panic, the second man responded. “How will we explain where she is? It’s been almost 24 hours since anyone’s last seen her. What will we say – ‘oh Victoria, she’s just off on holiday!’ She hasn’t taken a vacation since the day I met her – almost 20 years ago!”

“Honestly, George, I don’t have a clue. We need to tell the rest of the Council. We’ll go from there”, the taller man responded.

The rest of the walk took place in silence. George’s heart beat frantically in his ear drums, the panic and anxiety threatening to render him a useless, bumbling mess on the floor. He couldn’t pull himself together as Isaac had. Cool, at least relatively calm and somewhat collected given the circumstances. Given that their leader – the only leader they had had for the last two decades – had just been consumed by the Heart of the planet, he did at least expect Isaac to break out in a sweat.

They had discovered the truth of her disappearance by accident. They’d assumed she had gone for a nap, or had simply gotten bored of her daily tasks and had decided to take the rest of the day off – unheard of really, but still more logical than the truth that now confronted them. Isaac had been walking down the Long Hallway when he felt a cool breeze and smelt the unmistakeable scent of earthiness. He had followed it curiously, knowing full well where the smell would lead him. As he approached the red door, his furrowed brow deepened and was matched by his growing level of concern. The door stood slightly ajar, a warm, pulsing orange glow creeping through the inch thick gap between the red painted timber and the door frame. He had been in the Heart only once, a few years ago when curiosity led him to follow Victoria. She didn’t seem to mind his morbid intrigue and allowed him entry, being sure to warn him of the magnetic effect that the hollow centre of the planet held over its onlookers.

Isaac had followed the fresh, familiar scent of earth into the room and frozen just feet inside the doorway. He strained his eyes to adjust to the poor lighting and squinted to see each corner of the space he was standing in. George had remained behind him, cowering behind the door frame, nerves disallowing him entry. The light from the hallway gently spilled into the room falling eerily on the rocking chair. It was then that Isaac saw it. The silvery-grey shimmer of the expensive fabric, the harsh black crease of the lapel – Victoria’s jacket, slung over the back of the chair.

“Should we take a closer look?” whispered George into the room.

“No. The glow of the Heart has a strong magnetic pull. Unless you fancy following Victoria, I’d stay where you are”.

“Following? What do you mean, Isaac? You couldn’t possibly think that Victoria has gone over the edge?” George found Isaac’s conclusion hard to believe, difficult to stomach. Victoria was impeccably powerful and no amount of pressure would have led her to jump into the Heart of Erewon.

Isaac knew exactly what George was thinking.

“I don’t think she jumped, George.”

The weight of Isaac’s last statement settled on the dust in the air and drifted around the atmosphere, refusing to dissipate. Who wanted Victoria gone that badly? George had never come across anyone who did. Everyone he knew worshipped her, they wouldn’t dare threaten the stability of the planet. There were few who held differing views to her and they were silenced when James sacrificed his passions to work underneath her.

Realisation often surprises you. Sometimes it takes a long time to reach your conscience, but when it does it’s incredibly hard to imagine not having had that realisation. It’s like a cog that suddenly turns into place to fit the rest of the pieces in your mind at precisely the right moment. That is exactly how it occurred to Isaac.

“Where is James?” He turned to George as he posed the question, not giving him anytime to answer.

“James hasn’t been seen since dawn, about the same time that Victoria disappeared. You don’t think --? The question hung, unfinished and unanswered.

The two men approached the main meeting room at a marching pace, their bodies propelling them forward to begin a discussion their minds would rather not have accepted to be necessary. Isaac had gathered his thoughts during the walk. He was perfectly aware that logically he would be the next in command, tutored by Victoria herself, having studied closely behind her for years. He was also aware that taking the power, even if only temporarily, would not be an easy task – there were others on the Council that would try to grasp it for their own gains. Isaac was passionate about Erewon and about the planet’s survival and so knew he could be as meticulous and rational as Victoria if the situation called for it.

He marched forward, forcing the heavy wooden doors to the meeting room open with both hands. The doors swung inwards to reveal the eight other members of the council sat in silence, in trepidation waiting for some kind of explanation from Isaac or George, who had followed in behind him in his usual nervous manner.

The room was a mixed bunch of wealthy men and women who were almost considered the elders of the planet, or at least the wiser, more knowledgeable individuals of Erewon. They were sat like stiff, regimental soldiers around a large, heavily polished mahogany oval table. None of them were talking to each other – instead, they all remained silent and still, statues awaiting their orders. The largest man sat at the foot of the table, his hands crossed over forming a steeple in front of his chest. His face mirrored smooth granite and offered no form of expression or window to what he was thinking or feeling. As Isaac and George entered the room, he lifted his gaze from his finger tips and stared, waiting for news that would break the silence.

Isaac’s confidence seemed to dissolve as he entered the room. The words that he needed to say refused to form in his gullet, and instead of taking control of the situation like he had hoped to do, he instead stood, dumbfounded and stunned in the doorway.

“Well?” bellowed the largest man, removing his steepled hands from under his chin and laying them gently on the table in front of him. “Do you come with news?”

The silence became expectant, waiting for the new information from Isaac to fill the void.

“She’s gone, we think. Her jacket was on the rocking chair, and she’s nowhere to be seen. I know we can’t really confirm it, we’ll never truly know, but she’s gone.” Nerves did not suit Isaac. He wore them awkwardly and they didn’t fit him nearly as well as his usual confident demeanour.

The Council began to fidget, shuffling paperwork and exchanging concerned glances and whispers. The idea that Victoria was gone did not make any sense to them – it was totally incomprehensible.

“Gone – as in, not coming back?” The question came from an incredibly elderly gentleman, one of the oldest living members of the Council and the Leader of the Forest Sector. He was almost entirely blind and his eyes had glazed over with a misty, milky white haze. His hearing was almost at a stage that contended with his sight, but his knowledge of Erewon and the running of the council was unsurpassable. He was sat nearer the front of the room and was quite noticeably straining to hear and understand the situation. “I’m afraid you’re going to have to give us quite a lot more information than that young man.”

The old man’s comment had a rallying effect on the rest of the members of the Council. They began to talk over each other anxiously, frantically repeating each other’s questions of Victoria’s safety.

“So we haven’t seen Victoria for how long? She must have just – I don’t know…gone for a walk?” one of the youngest members of the Council said frantically. Isaac could hear the pleading in her voice. Chaos was not something that this group were much accustomed to.

“Gone for a walk? Be serious, Isobel, Victoria takes her role far too seriously to slack off”, roared the largest gentleman to the rear of the room. As he finished bellowing across the table, he sat up straighter, demonstrating his true height and colossal build. Stephen was the Leader of the Manufacturing segment and also the Council Guard. His immense frame took up the majority of the end of the table and the volume of his voice echoed off the four walls. “What evidence do you have Isaac? How are we investigating this?”

The volume of the room rapidly increased to the point where no singular voice could be heard amidst the drone of Stephen’s roars and the panicked squeaks of the other Council members.

Isaac quickly came to realise that he had lost all control of the other members of the Council. He desperately tried to regain some kind of hold on the room.

“Everyone, if you’ll just – please. If you’ll just listen to me for a minute”, he said desperately, willing the others to quieten down.

“George and I found Victoria’s jacket, the one she was wearing yesterday, slung across the back of her mother’s armchair. She’s gone. I know there’s no way we can confirm this for sure, but right now all we know is that she is gone. And she’s never gone. We need to work on the assumption that she is not coming back, so as to prepare ourselves for any possible…issues that may arise. Are we clear?” By the end of his statement, Isaac had regained some of his confidence and the Council members began looking to him again for reassurance.

One woman remained silent for the majority of the discussions that had taken place so far. She sat, aloof to the disruption, with her head held high and her nose pulled up to the ceiling. “Have we even looked elsewhere, Isaac? What if she left the building at some point? Aren’t we jumping to some quite serious conclusions?”

“Thank you, Elena. I do appreciate what you are saying and I wish the evidence pointed us in a different direction, I really do. We have had all security footage checked thoroughly from the last 24 hours to see if she left the building. Nothing. The last time she was seen on the cameras was around midday yesterday, walking down the Long Corridor”, Isaac paused anxiously, took a deep breath in and said “with James”.

The room erupted again in a wave of frantic questions and comments. Words and phrases of anger, confusion, panic and nerves began to fly out of the conversations uncontrollably, causing further alarm. Within seconds some members of the council were discussing the possibility of war, the notion of betrayal, tactics and propaganda and fabricating some farfetched lies regarding Victoria’s – and now James’ - disappearance.

Stephen reared up again and continued to roar across the table. “James? I told you we should have tightened our security with that man. Is he responsible for this? I’ll have the Guard ready to bring his family in. We need to prepare ourselves, Isaac. This is an act of war. When did you learn of this information? I’m furious you didn’t come to me sooner. Are you sure you’re fit to lead?”

Multiple members of the Council began mirroring Stephen’s cries until the volume in the room became almost painful.

“Are you strong enough to lead us through this, Isaac?” yelled Isobel, motioning towards Stephen whilst saying “don’t you think other Councillors in this room have… more experience?”

“Yes, young man. Maybe young blood is not what Erewon needs right now”, the old man toward the front of the table exclaimed.

If only you knew how wrong you are, thought Isaac, who had frozen with panic. He hadn’t expected this reaction, not from everyone in the room. He knew that Victoria had lent some form of stability to the planet but he never imagined that her disappearance would lead to a full-scale meltdown. The room had become completely uncontrollable. Isaac’s panic had left him staring across the table, unable to speak, unable to regain any form of control. George grabbed the shoulder of Isaac’s shirt, desperately trying to shake him from his gaze.

“Isaac. Do something! Anything!” He gasped.

Isaac took a few seconds to steal his breath and squared off his shoulders. His heart was beating frantically in his ear drums, drowning out any thought process he may have been attempting. He wasn’t ready to lead, not by a long shot and the idea of people following him and actually taking what he said seriously terrified him. A few deep breaths in and he knew he would have to try to take control of the chaos that was unravelling in front of him. Erewon depended on it.

“Everyone!” He bellowed into the room. A few people stirred but soon returned to their shouts of concern. “Everyone, will you please calm down!” Isaac roared, louder this time into the gaggle of individuals.

The frenzied shouts and hollers of the council gradually died down, until each member, considerably further on in years than Isaac, looked up at him and waited, eagerly.

“Everyone – just give me a chance to speak. If the people of Erewon saw how we were reacting to this, what do you think would happen?” He was desperate for them to understand where he was coming from – if the leaders, those chosen to represent the people and those sitting in positions of power were breaking down and fraying at the seams, the population would no doubt follow.

“We have to remain strong. And if not strong, at least calm enough to look strong. No one can find out about Victoria’s disappearance – not yet. Not until we have come up with a good enough cover that will convince the people living down there. They might be blissfully unaware and blinded by most things in their lives, but they are not stupid. They will sense something isn’t right, and we can’t give off even the slightest notion that there is something to be worried about”.

Isaac turned his back on the Council, reached down into a bag that he had placed earlier at his feet and slotted a small, silvery disk into the projector in front of him.

“I think it is time you all saw this”.

The machine whirred to life with a gentle hum, the spinning of the disc easily audible in the now noiseless room. Silently, ten people sat and became witness to the actions of Victoria from a mere 24 hours prior. They witnessed her questioning James, they saw her walk him towards the drop into the Heart. They heard her suggest younger sacrifices and finally, they sat and they observed James tumble into the core of the planet, pulling Victoria behind him at the very last second.

The room witnessed everything that had happened the day before, and for the first time in hours remained utterly speechless.

Isaac stood, letting the evidence sink in. The idea of leading Erewon petrified him. But the idea of standing by and watching his planet disintegrate and fall into anarchy was far worse.

The room of ten sat in silence, comprehending their future.

He felt utterly at peace. The gentle rise and fall of his chest, the smooth inhalation of air and gentle expulsion through his nostrils. The delicate hum of the fluorescent tube lights overhead, flickering as if struggling to stay awake as the rest of the world slept peacefully. Perfectly meditative, perfectly quiet. He wasn’t ready to come-to, not ready to re-join the conscious, animated planet. Just a few more minutes of sinking into the soft, luxurious sleep that had taken mercy on his overburdened brain. His chest continued to rise and fall repetitively until his conscience began to re-awaken. Gradually, the feeling in his limbs began to prickle to life. He swallowed deeply, releasing his tongue from the roof of his mouth, unsure of how long he had been out, and rubbed his fists into his eyes as if encouraging life to return to them.

He placed his hands behind him and pushed himself up out of the wing back chair that he had fallen asleep in. Struggling to lift his ankles off the mahogany desk in front of him, Isaac’s mind returned to the chaos that he had so readily left behind just hours ago. The truth of what had been happening slowly and steadily dawned on him. He remembered, and he had never wished to forget more than now.

He scrunched his toes up inside his dark leather boots and dug his knuckles into the tops of his thighs, wincing through the pins and needles that were trickling up his limbs and behind his knee caps. It was still dark out and he couldn’t hear any movement in the halls of Erewon’s government building. He had fallen asleep in the Great Library, which sat directly next to Victoria’s office. Exhaustion had driven him to collapse in an armchair, not even making the effort to return home.

Isaac felt his mind and thoughts gather speed until the constant state of nervous worry that he found himself in earlier that day returned. He dragged his hands through his shaggy hair and walked out of the library, not bothering to turn on any lights on his way. As he stepped out into the hallway, he saw a few more equally nervous faces peer out of the corridors. He couldn’t bring himself to say anything to the other members of the council who were also camping out in the various rooms that trailed off the corridors in the Council Building. He nodded at the elderly member and turned away towards Victoria’s office.

The door to her room was heavy and stained so dark it was almost black. Isaac hadn’t been in her office in a while, but it was only as he entered that he realised how devoted to Erewon she truly was. Victoria had never managed to develop any kind of meaningful relationship with another human being, and left herself relatively alone. She was not a sociable individual – she had no family, no loved ones and no true friends. None of this ever seemed to bother her as she was so caught up in the survival and prosperity of her planet, which she truly saw as her responsibility.

A sickly, acidic feeling began to rise in Isaac’s stomach. He couldn’t remain in the office for long, and soon he had turned to leave for the Observatory.

The Observatory sat between the two highest points of Erewon. It was a long, empty space, encased in glass and was one of the only spaces to not house a single relic from Victoria’s collection. It was the quietest place in the Council Buildings and overlooked the biggest waterfall on the planet. Isaac walked to the centre of the room and lowered himself slowly onto the floor. He sat cross-legged, facing out into the vast planes of the ground below, and rested his forehead gently onto the glass. It truly was beautiful. Perfectly designed by the Council that perched confidently above it. No poverty, no pollution, no unhappiness. Of course, this all came at a price. But the population of Erewon knew that – the Council had never kept them in the dark about their destiny. It wasn’t like you weren’t given plenty of opportunity to live your life to its full potential before the great sacrifice.

As he stared out into the farming lands of the planet, he let his mind cast back to earlier conversations with the Councillors. He was still unsure of the decision the room had drawn, but he knew that democracy was more important now than it had ever been. He needed every one of those individuals behind him if control was going to be maintained on the planet.

After hours of discussion and relentless arguing, the decision that had been made still shocked him now. Some of the Council were suggesting that the population were simply told that Victoria had retired and that someone new was due to step in. Others had had quite different ideas – Victoria had gone AWOL, she’d had a breakdown, she’d started a family (possibly the most ridiculous and unbelievable concept in Isaac’s opinion). It was the security footage that had made the decision that bit easier to make. As the council sat in silence, witnessing the occurrences of the previous day, the threatening, murderous actions of Victoria, the idea that she wanted to sacrifice young adults, the attempt to kill James and the end result of both of them falling to their deaths, it was decided.

Isaac stood behind the lectern. He hadn’t imagined he would ever stand here, in Victoria’s place and the circumstances of him reaching this position so young were ones he would rather not comprehend any further. His clammy hands gripped the sides of the podium, all of his wait leaning into his wrists and forearms. He hadn’t written any kind of formal speech and was now regretting his premature confidence of the previous day. It had been decided almost unanimously that he would take over, much to his surprise, as temporary leader. Every great planet needs a leader and this one was no exception.

He turned his gaze out into the crowd of eager, waiting individuals that stood expectantly in front of him. It was time to tell the people of Erewon what had really happened. He hoped beyond all hope that they would understand and continue to have faith in their Council to lead them.

He flicked on the microphone, straightened the cuffs of his suit jacket and took a deep breath in.

“It is with great sadness that I stand in front of you all today. This is not how I imagined my first address and I am truly saddened to have to be delivering this news to you.” The first lines of speech rang out across the crowd, echoing around the vast space in front of the podium.

“I’m not going to try to flower this up to protect you from the information I am about to give you. I have far more respect for you all than that. Three days ago, at about midday, our great leader Victoria passed away.”

He paused to let the reality of what he had said settle over the mass. He had suspected that many of the population had speculated this already, as 3 days absence was previously unheard of.

“Victoria was pushed into the Heart of this planet by one of our own. She was murdered, her life taken far too early. She was pulled into the pit of this planet by her advisor, James.”

As his words filtered into the corners of the spaces around him, the crowd began to react to his accusations. Victoria was respected, but the population loved James. The betrayal had confused and upset many instantaneously.

“I wish to tell you all of the details that we know. Security footage shows James attempting to push Victoria into the pit. Now, we know of his previous radical ways but we have all been duped as much as you – we trusted James as if he were family and welcomed him into the Council fold to advise and work alongside Victoria. We know now what a mistake that was, we know now of his plans to restore terror to this planet and to the minds of us all. And Victoria knew this – at the very last minute she managed to drag James into the pit after her. She has saved us from his radical ways and sacrificed herself to protect us”.

The final words of Isaac’s speech rang through the public address system. Thousands of eyes continued to stare up at him, glistening with tears to reflect the loss of both Victoria and James. He hoped beyond all hope that they understood.

He felt sick at the thought that he had to lie to so many people that he truly respected. But he knew the reasons for his fabrication of the truth and agreed that the end result would benefit the planet. If the population had known the whole truth, it would have descended into chaos. The population had been lied to since day one, to protect it from itself and to nurse it to prosperity. He knew that as much as any other member of the Council. He just prayed that the population didn’t.

“Do you think they believed you?” George asked as he walked alongside Isaac down the hallways of the Council Building.

“Honestly? I don’t know. I hope so.” Isaac’s voice was lacking the confidence that George was eagerly listening for.

The relics and antiques that littered the halls now mocked Isaac and George as they made their way to the main meeting room. They clung to the walls as a harsh reminder of their lost leader, the leader that they were unable to save.

“Do you think she was right?”

That was a question that Isaac was neither ready for or prepared to answer straight away. The truth was, Isaac believed Victoria was probably right. The Heart was dimming, he had seen it himself. And no one knew what happened when the light dimmed to nothing – what would become of the planet, of their population? That was something else he was certainly not prepared to find out.

Isaac’s patience was wearing thin. Every meeting he had with the Council started in the same way. He began in total control, calm and ready to lead. By the end of the discussions, he had lost all respect and was being spoken over by 8 other members of the Council. This particular meeting was to be no different. He wasn’t prepared for the questions he knew they were going to ask – the question that George posed to him earlier.

It terrified him. The idea that the Council, those in charge to protect the population of Erewon, would be responsible for sentencing the younger population to death to allow the Heart to continue to burn. Who would decide what age was young enough? Would he have to sacrifice himself as an example to the rest of the population that this is what needed to be done? The thought of it made him feel physically sick.

“35. Once they reach 35, we’ll test how valuable they are to Erewon and its survival. If they are deemed expendable, then so be it. They will be early sacrifices”.

Stephen’s bold suggestion got much the reaction Isaac had expected. Isobel was disgusted at the idea whereas the Leader of the Forest Lands, Josiah, was not so opposed to it.

“It’s all a matter of productiveness. I agree with Stephen – if we still have a use for them past the age of 35, they can be allowed to live. We can review it yearly, perhaps, from then onwards?”

“35 is far too young. My sector runs on that age bracket. How will Erewon have families, how will our population sustain itself if we begin to cull it? This is nonsense – nonsense that I wish not to be a part of”. The final word came from the Leader of the Coal Sector, Jackson. His words were definitive and were only met from disagreement from Josiah and Stephen. The Council majority decided that putting an age limit on the population could only end badly and the idea was scrapped as quickly as it was suggested.

As yet another the meeting drew to yet another unsteady close, the Council were no closer to an answer. They were too scared to make a decision, a decision they knew Victoria had already made but they were not willing to follow through. “To continue as we always have” was the only answer any of them were willing to stomach, yet they knew it was only a matter of time until that would no longer suffice.

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The Nib 8" x 10" Fountain Pen Art Print

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Looking to spruce up your deskscape with some fountain pen inspired art? This frame-worthy print will look great framed and placed next to your pen collection.

"The Nib's" design is an appreciation of the beauty the fountain pen can embody. Several vintage and modern fountain pens are the subject of the photograph, laid across a background of abstract ink splatter and scribbles. For all the organized aesthetic qualities that a well-made fountain pen presents, at the heart of the pen's function is messy, chaotic ink.

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10 Healthy Tips to Prevent Heart Diseases and Strokes

Top 10 Tips For A Healthy Heart – Types Of Heart Diseases

Cardiac illness and heart attack has turned out as one of the greatest killers in recent times. But in most cases it can be prevented with simple measures.

Our present hectic lifestyle along with over-dependence on processed foods and alcohol is taking a toll on the heart. What we badly need is a healthy lifestyle routine that combines a healthy and well-balanced diet with physical activity.

Types Of Heart Diseases

Although coronary heart disease is the most common type of heart disease, there are various others that are caused by different conditions.

  • Coronary artery disease
  • Heart attack
  • Enlarged heart
  • Irregular heartbeat
  • Heart valve disease
  • Heart muscle disease
  • Thickening of walls of the heart

Simple Tips To Maintain And Improve Heart Health

Heart disease involves a wide range of factors and has emerged as the biggest cause of death worldwide. But some simple lifestyle changes along with daily exercise can help in preventing the risk of developing heart diseases considerably.

Plan A Healthy Diet

The most important tip for improving heart health is planning out and following a heart healthy diet rich in nutrients. Make it a point to eat five servings of fruits and vegetables each day. Include fiber-rich whole grains, leafy vegetables, fruits and nuts in your diet.

Opt for low-fat dairy products and cut out the intake of saturated fat, trans-fat, and cholesterol. Avoid red meat and processed meat. Eat lean cuts of meat, chicken, turkey and fish.

Healthy Diet

Stop Smoking

Tobacco in any form is injurious for health and smoking is a major reason for coronary heart disease. Chemicals present in tobacco damage the walls of arteries and blood vessels and increase the risk of atherosclerosis.

Carbon monoxide produced by cigarette smoke replaces some of the oxygen in blood and pumps up heartbeat by increasing blood pressure. Nicotine increases blood pressure and affects brain functions and tar damages the lungs and cause breathing problems.

Stop Smoking

Cut Down Alcohol Intake

One of the most important tips for a healthy heart is limiting the intake of alcohol. Over dependence on alcohol can lead to weight gain and increased blood pressure that puts excessive pressure on the heart muscles and results in heart attack and stroke.

Heavy drinking over a long period also weakens heart muscles and reduces its capacity to pump blood throughout the body.  Binge drinking makes the heartbeat irregular along with the feeling of breathlessness that can lead to sudden death.

Limit alcohol intake within 1 to 2 servings per day and try to cut out the habit gradually.

Alcohol Intake

Maintain Healthy Weight

Try to maintain healthy weight at all times by combining workouts with well-balanced weight loss diet that is low in trans-fat and high in fibers, vitamins, proteins and minerals.

Being overweight or obese increases the risk of developing heart disease by raising blood pressure, cholesterol and blood sugar level. Special attention should be given towards managing the waistline.

Men with waist measurement of more than 40 inches and women with waist measurement of more than 35 inches are considered to be overweight.

Maintain Healthy Weight

Eat Fish

Oily fishes such as sardines, salmon, tuna and herring are a rich source of fish oil omega 3 fatty acids that helps in cutting out the risk of heart disease considerably.

Omega 3 fatty acids help in lowering blood pressure and triglyceride levels in the blood. It also helps in slowing down the growth of plaque that blocks the arteries.

Omega 3 fatty acids normalize the heartbeat and reduce the risk of sudden death through arrhythmia. Include at least 3 to 4 servings of oily fish per week in your heart healthy diet to reduce the risk of stroke and heart failure.

Eat Fish

Reduce Salt Intake

Raised blood pressure is a major reason for heart disease that leads to heart attack and stroke and salt intake has a direct impact on blood pressure.

Salt increases water retention and this excess water exert more pressure on the blood vessels and arteries which in turn puts strain on the heart muscles.

Try to limit daily salt intake within half teaspoon in order to maintain blood pressure at healthy level. Also stay away from processed and fast foods that have a high concentration of salt.

Reduce Salt Intake

Manage Stress

The present hectic lifestyle along with constant work pressure leads to stress that causes anxiety and depression.

Excessive stress raises blood pressure and heartbeat and increases the risk of heart diseases. Chronic stress also leads to rise in blood pressure and cholesterol.

Try to relax your mind and unwind by taking long walks, enjoying soothing music and laughing with your friends and family.

Manage Stress

Exercise Regularly

Healthy lifestyle changes such as including 30 minutes to 1 hour of workout in your health care regime can go a long way in improving the heart health.

Moderately intense activity for 30 minutes for at least 5 days a week increases the heart rate and helps in burning calories so that the weight remains under control.

It also helps in controlling other health conditions such as high blood pressure, high cholesterol and diabetes. Go for brisk walks, cycling, jogging or join dance classes or aerobics sessions- whatever makes you happy and satisfied.

Exercise Regularly

Control Blood Pressure And Cholesterol

High blood pressure and high cholesterol cause immense damage to the heart, blood vessels and arteries. It is important to monitor blood pressure and cholesterol on a regular basis because uncontrolled high blood pressure for a prolonged period can damage arterial walls, increase plaque buildup, harden the arteries and lead to coronary artery disease.

High cholesterol in the blood also increases plaque buildup that blocks the coronary artery and leads to stroke and heart attack.

Control Blood Pressure And Cholesterol

Check Blood Sugar Level

People suffering from type 1 and type 2 diabetes are at the greatest risk of developing heart disease and therefore it is important to keep it under control and monitor it at regular interval. High level of insulin present in the blood of diabetic patients damages the lining of blood vessels and causes inflammation. Diabetes reduces blood flow throughout the body and increases the risk of heart attack and stroke.

Follow these simple tips and introduce the changes in your daily life to minimize the risk of heart diseases, heart attack and stroke naturally.

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Data sharing

With the Open Banking initiative now well and truly underway, we’re gradually seeing the first signs of banks and banking associations informing the public about what it involves. And this is not a minute too soon, because consumer awareness about Open Banking is still low. According to recent research [1], only 18% to 35% of banking customers would feel comfortable sharing their account information with another bank in exchange for new online services.

For consumers to benefit from Open Banking, it is necessary that banks embrace ‘openness’ (beyond PSD2) by exposing their assets through APIs, that applications are built on top of those APIs, and that consumers use them – adoption, in short. Consumer education is critical in facilitating adoption. As banks play a central role in Open Banking ecosystems, their approach to educating consumers is key to creating success.

For some, it may sound illogical for banks to play a dominant role in helping customers to use Open Banking services. Surely they risk losing business to third parties? However, the real risk lies in them not doing so. Traditional account services have become a commodity, and it is increasingly difficult to make a profit on such services. Banks have started to recognise that Open Banking opens up new business potential. Banks with an attractive customer base, perfect developer conditions (sandbox, developer portal), and wise monetisation choices will stimulate the use of their APIs, resulting in applications built to help their customers.

Maybe even more importantly, many believe that Open Banking is just the start. There are numerous signs that the open data initiative is spreading to other sectors, with new legislation aimed at putting the customer back in control. For example, Australian CDR legislation starts in banking but is intended to expand to energy and telecommunications. Meanwhile, the Dutch Ministry of Health, Welfare and Sports is taking concrete steps towards making electronic data exchange in accordance with the appropriate information standards a statutory obligation. This effort is about sharing data and tipping the ‘data benefit balance’ in the consumer’s favour.

In this endeavour, trust is the essential ingredient for success. For consumers, key questions include ‘Do I sufficiently trust the supplying party to provide access and share specific parts of my data in order to receive services that will benefit me?’ and ‘Who or what is backing up this trust?’. On a practical level, consumers also wondering ‘How do I keep track of whom I trust with what?.’ For service providers, trust revolves around questions such as ‘Do I have enough certainty on this customer to deliver my services?’

Against this backdrop of trust, banks are well-positioned to play a crucial role. There has long been a well-known saying in banking: ‘Customers may dislike us, but they trust us.’ This captures the sense that banks are regulated and licensed to work with consumers’ money and data, but few consumers have a positive emotional connection to their bank’s brand. Therefore, before consumers become willing to extend their trust in banks beyond the traditional domain and into new services – services that lie close to their homes, hearts and families – they first need to learn to like their banks all over again. In other words, to capitalise on the opportunities of Open Banking, banks need to change.

At the same time, banks can turn the process of informing consumers about Open Banking into a chance to win back the customer’s favour. When it comes to educating consumers, banks have a choice: should they tap into the ‘fear’ aspect or the ‘fun’ factor? The first approach focuses mostly on explaining PSD2 and the technical and legal implications for customers. Additionally, it emphasises the risks and the fact that customers do not have to give their consent. In fact, in a letter to inform me about the upcoming PSD2 regulation, my own bank wrote: ‘It is important to know that you don’t have to open up anything if you don’t want to.’ This is very much in line with what banks have historically told people: ‘Do not share your data or your PIN with anyone; beware of digital scams.’

But in the second approach, banks can reinforce their position as trusted partners. They can highlight how they play a positive role in making it clear and easy for consumers to actively manage their Open Banking consents. They can educate their customers about the benefits of Open Banking: how consumers can become financially savvy, get the most out of their money and data, and make use of new and innovative payment methods. Banks can also provide guidance to consumers in terms of what they should look for in services and what they can do if something goes wrong. They could even truly open up to their customers and allow them to rate the Open Banking services provided. In my opinion, the choice is clear: banks should put the ‘fun’ back into finance when educating consumers about Open Banking, and proudly present themselves to customers in their new, trusted and liked role.

[1] Deloitte’s CEE PSD2 Voice of the Customer Survey, Jan. 2018

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8110 Gatehouse Road, Falls Church, VA 22042

Richard Ospina, MD

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The doctors of Inova Medical Group are Inova’s premier primary care and specialty physicians, offering top-notch medical expertise, full access to Inova facilities, and the convenience of integrated electronic medical records.
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About Richard Ospina, MD

Dr. Richard Ospina is a neurologist. He joins Inova with over 13 years of clinical experience. He has a special interest in management of neuromuscular disorders.

Most recently Dr. Richard Ospina worked in private practice in Reston, Virginia.

Dr. Ospina became interested in neurology because of the complexity of the brain and the challenges of the care of neurological conditions. His goal is to help his patients manage their symptoms in the short term and maintain a long term team approach. This is a very exciting time for neurologists to practice medicine because significant breakthroughs are expected in the coming years.

A native of Colombia, Dr. Richard Ospina currently resides in Oak Hill, Virginia with his wife Alexandra and his two children. In his spare time he likes to ride his bicycle and listen to music.

  • American Academy of Neurology, Active Member
  • American Association of Neuromuscular and Electrodiagnostic Medicine

Medical Education

Icahn School of Medicine at Mount Sinai 1998

Albert Einstein College of Medicine
Training Specialty: Neurology
7/1/1998 - 6/30/2002

Thomas Jefferson University Hospital
Training Specialty: Neuromuscular Disease
7/1/2002 - 7/1/2003

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Physician referrals will be based on your referral needs and preferences of location, specialty, and rotation availability of the physician.

The physicians on our referral panel are independent practitioners or physician employees. The independent practitioners are not employees, agents or representatives of Inova and are solely responsible for their provision of medical care to you.


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Sony launches landing site for PlayStation 5

Users can sign up now for updates on the highly anticipated console.

Justin Sullivan/Getty Images News/Getty Images

The PlayStation 5 is expected to arrive in the latter half of 2020 around the holiday season. To keep fans curious about the console in the meantime, Sony has launched a PS5 landing page on the PlayStation website. Unfortunately, though, it barely provides any information beyond what we already knew.

Sign up for updates — A message on the website states, "We've begun to share some of the incredible features you can expect from PlayStation 5, but we're not quite ready to fully unveil the next generation of PlayStation."

According to the website, signing up will bring you updates and news about the console, including "the PS5 release date, PS5 price and upcoming roster of PS5 launch games."

What we don't know — As previous reports indicated, Sony still doesn't have a clear price tag for PlayStation 5. So if you're curious about that, you'll have to wait for a concrete announcement. During the company's earnings call, however, Sony's chief financial officer, Hiroki Totoki, noted that the company had yet to agree on a price point, explaining that "we are competing in the space, [...] it’s very difficult to discuss anything about the price at this point of time, and depending upon the price level, we may have to determine the promotion that we are going to deploy and how much costs we are prepared to pay."

Hopefully, the company is aiming for a balanced price point that is affordable for the average player while still being profitable.


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How do women reinvent themselves later in life?

Thelma Reese's journey as an author followed a career as a professor of English, and then as director of the Philadelphia Mayor's Commission on Literacy.

In 2013, she and Barbara M. Fleisher, who died in 2016, wrote The New Senior Woman: Reinventing the Years Beyond Midlife (Rowman & Littlefield), a complement to the blog they had started a few years earlier, "ElderChicks."

Reese, now 84, started the blog because "we were looking at women around us, many of them faking it. What was taking up their time? Playing bridge? There wasn't much else. And many of them weren't happy doing all that."

So Reese, one of the founders of Philadelphia's Young Playwrights, joined with longtime friend and writing partner "Bobby" Fleisher, an author and retired professor of education, to launch The site is now geared toward mature women "including those well below 50," Reese added with a laugh.

This year, they published The New Senior Man, a companion book (available in bookstores and online) about how men cope with later life and explore new opportunities.

"Men are getting a lot of bad press this year. They need some good press – especially the good men out there," Reese said.

"This whole brouhaha about the work environment — that's what has changed since we wrote the first book. It's good that it's all coming out, although I cringe when I think there will be plenty of overreaction, too.

"For women in the workplace, facing this kind of stuff is a power play."

Reese was at a political convention some years ago when a friend was physically assaulted by a popular Democratic senator — she won't say who — but "I've never been able to look at him without thinking about that. It was horrible."

What about the men in their new book?

"The men in the book are really good people; they need their stories to come out too," she insisted. doesn't just publish stories by women about later life. Among the senior men writing for the site are Gil Stewart, who writes his own blog, "The Tanner Chronicles."

Stewart depicts "that time of late life I call the October years, when many of us face a new, challenging landscape — a place where tried and trusted answers may no longer apply.

"That universe of aging, often-solitary seniors is larger than you might think. Those October survivors have spent decades dealing with life 'up close and personal,' creating experiences that lend depth and texture to their stories," he writes. "Each of them is coping with unforeseen, life-changing circumstances — a spouse's infirmity, financial realities that threaten their very relationship, incompatible priorities for their future, and other challenges."

Reinvention sometimes means coming back into the workforce, rather than leaving it for retirement — and that's what Apres Group specializes in for women.

Ellen McNamara, an art educator, left the classroom when she had a family. Now 49, she longed to use her skills in a way that still gave her time to be with her children.

The Ridgewood, N.J., resident joined the networking website in May 2016 as a way to network back into work outside the home — although at first, she wasn't sure it would apply to her field.

"I was on LinkedIn, but that's more social than professional. And I hadn't been working in the corporate world, so it was tough to use effectively," McNamara recalled.

She heard about Apres through a mother connected to her kids' playgroup.

"I was nervous as anything going into an interview. But Apres understands where women are coming from — they understand the space, or skill set, in your resumé," said McNamara, who "aggressively" volunteered around her town and kids' schools. The Apres job-seekers package costs $49 a year.

"I taught art for 10 years, so I channeled that and got a name for how I set a table and style my own home. That led to styling for house tours, fund-raisers, and event planning. All of that was cumulative, and Apres got that."

She was hired by within a month as a curator for the website, which sells high-end consignment furniture and home designs. Other employers, such as PFM, an asset-management firm in Philadelphia, also signed up with Apres Group to diversify their hiring pool.

"Some women aren't out of work as long as I was, but many want to change direction. I pivoted, and Apres allows that as well," McNamara said.


text: Regardless of the time of year, we may experience cloud, rain, wind, sun and even snow. The temperatures will be much cooler higher on the mountain tops, so having layers that you can add to and take off will work. We will of course adjust walking plans to take intoconsideration any adverse conditions, otherwise we go out in ‘most’ weather conditions, hence having waterproof and warm kit will help us carry on with our plans. Your Mountain Leaders are experience and qualified to make appropriate decisions about group safety. They will carry necessary group and safety equipment and are certified in Outdoor Emergency First Aid.


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Ashton DST7A Drumsticks - Pair

Another quality product from Ashton. 7A Size, comes as pair.

Ashton’s hard-wearing Maple drumsticks are available in three popular sizes, from light to heavy. (5A, 5B, 7A).

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First Half 2021 Natural Disaster Insured Losses Reach 10-Year High

August 2, 2021

Insured losses from natural disasters hit a 10-year high of $42 billion in the first half of 2021, with the biggest loss related to extreme cold in the United States in February, insurance broker Aon said on July 21.

Overall economic losses came in below their 10-year average, however, at $93 billion, Aon said in a report.

Disasters which hit developed countries typically lead to greater insured losses. Seventy-two percent of global insured losses occurred in the United States in the first half of 2021, Aon said.

The Polar Vortex-induced period of extreme cold there led to an insured loss of at least $15 billion.

Major storms in western and central Europe in June caused at least $4.5 billion in insured losses, Aon said.

Floods in Europe in mid-July have likely caused $2-3 billion in reinsurance losses, analysts say. Natural disasters were responsible for around 3,000 deaths globally in the first half, with 800 fatalities from the heatwave which hit parts of Western Canada and the U.S. Pacific Northwest in late June.

“The juxtaposition of observed record heat and cold around the globe highlighted the humanitarian and structural stresses from temperature extremes,” said Steve Bowen, managing director and head of catastrophe insight on the Impact Forecasting team at Aon.

Bowen added that as a result of climate change, “it becomes more imperative to explore ways to better manage the physical and non-physical risks that are more urgently requiring actionable solutions.”

On July 21, British insurer Aviva called for urgent action from policymakers, developers and insurers to protect homes and businesses from the impact of climate change, saying most were ill-prepared to handle extreme weather.

Topics Natural Disasters Profit Loss

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Insurance Journal West August 2, 2021
August 2, 2021
Insurance Journal West Magazine

Top 100 P/C Agencies; Markets: Recreation & Leisure, Condos; Special Supplement: The Florida Issue


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Elderly Colorado Man Tasered Says Cop Put Knee on Neck in Lawsuit

July 28, 2021

A 75-year-old man who suffered a cascade of health problems after a police officer used a Taser on him in his home without warning filed a lawsuit accusing the officer of also putting a knee on his neck and causing an injury to his carotid artery that required surgery.

The lawsuit by Michael Clark claims that the pressure that former Idaho Springs, Colo., police officer Nicholas Hanning put on his neck after he lost consciousness after being hit with the Taser and striking a chair on the way to the ground deprived him of oxygen, prolonged his loss of consciousness and increased his risk of death.

Within 24 hours, Clark’s body began sending blood cells to the injured carotid artery in the neck, which supplies blood to the brain, neck and face, according to the lawsuit, which was filed against Hanning, his partner, their supervisor and the city. Clark had a stroke the next day, it said.

A lawyer for Hanning, who has been charged with third-degree assault and fired, did not immediately return a telephone call or an email seeking comment. Police Chief Nathan Buseck declined to comment on pending litigation.

Topics Lawsuits Colorado

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Esen Tutar

Kırşehir Ahi Evran University

Dr. Esen Tutar is currently an assistant professor at Kırşehir Ahi Evran University (Mucur Health Services Vocational School, Department of Medical Services and Techniques, Medical Laboratory Techniques Program), Kırşehir, Turkey. Her research focuses on microRNAs, non-coding RNAs, molecular identification of microbial pathogens, and heat shock proteins.

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Reach clarifies CJ Entus KeSPA Cup roster controversy

Following the release of their roster for the upcoming 2016 League of Legends KeSPA Cup, many fans have been questioning CJ Entus' future. Untara, BDD, and Kramer were missing; in their place were MoMo, Reach, and ex-SBENU Soul, the first two replacements being complete rookies with zero professional experience.

Clarification regarding the new roster was to be found within Inven Irro's recent interview with CJ Entus' Jung Suk "Reach" Park. The head coach pointed out that this year's KeSPA Cup allowed uncontracted players to play, making it the perfect grounds to offer trainees a trial run. "Our roster for the KeSPA Cup is tentative. Other players may join or leave before 2017," he said.

Reach revealed that the newcomers made it onto the roster after an online tryout of sorts, but went on to stress he did not want the new players to feel undue pressure. He "did not want to share too much about the three who have yet to even sign with the organization", fearing the exposure would not be beneficial if any of them were to end up not joining the team.

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 This Is The Most Important TRUTH You May Ever Face: The BENGHAZI TRUTH – Investment Watch

This Is The Most Important TRUTH You May Ever Face: The BENGHAZI TRUTH

Sharing is Caring!

by Pamela Williams
We have been told so many lies about Benghazi, and I knew there was something more to be told. I just did not know how big it really was. It is bigger than any video or gun smuggling that Americans have heard about. It is the biggest lie and treasonous act ever committed in America’s history.
Do you really want to know the truth? The video and the article I am presenting here will stun you, and you will never be the same. You will ask yourself, what can I do. You can spread the word now. It is almost too late, as the Presidential election is a reality now. Hillary Clinton is a reality now. Don’t let her think you do not know the truth about Benghazi!
The truth is stranger than fiction. Benghazi was a botched attempt by two lost souls: President Obama and Hillary Clinton. They watched as our Ambassador to Libya was tortured and murdered; never sending help, and further concocting a story of a video that upset the Muslim Nation.
None of this was true, as the real truth is they arranged a October surprise to make Obama look like a hero, and at the same time to release the leader of the Muslim Nation, The Blind Sheikh. This man is being held in prison in North Carolina as the mastermind of the 9/11 World Trade Center bombings.
They would please the Muslim Brotherhood by the release of the Blind Sheikh, and at the same time they would make Obama look like a hero before the October election.
Chris Stevens was to be kidnapped, and Obama was to turn over the Sheikh to the Muslim Brotherhood in return for Stevens. They did not count on the intervention of the Benghazi heroes who were told to stand down but went in nevertheless. They were brave men who gave their lives to save those at the Embassy.
In conclusion the truth is the Benghazi horror was a botched kidnapping attempt planned by Obama, Clinton, and the Muslim Brotherhood. Wake up, America! Get the truth out now…we have run out of time! Clinton could be our next President!

That Barack Obama had arranged with the Muslim Brotherhood to kidnap the Ambassador, and through Obama’s supposed affinity with the Muslim world, Obama would save the day and get the ambassador released.
But the Muslim Brotherhood wanted something in return.
Their beloved Blind Sheik.

This video proves the premise THE BLIND SHEIKH was apart of the Benghazi mess.

See also  Google as the Orwellian ‘Ministry of Truth’: Tech giant admits it’s preventing Australians from seeing certain videos that veer from accepted ‘facts’
See also  Google as the Orwellian ‘Ministry of Truth’: Tech giant admits it’s preventing Australians from seeing certain videos that veer from accepted ‘facts’

35 thoughts on “This Is The Most Important TRUTH You May Ever Face: The BENGHAZI TRUTH

      • I did read the article. That is why I said it needs to come out in the open. IWB is not “in the open”. How many people would even consider it to be worthy of notice?

          • I don’t want to make you feel bad but your logic seems to be totally non-existent. I am merely pointing out that this info is extremely important and needs to get out into the open meaning scattered to every platform possible, not just hidden away in IWB.

          • Well, I have tweeted it, too. In fact, I tweeted it from IWB. I think we should used every forum on the Internet to spread this. I think people have lost interest in Benghazi, but things are getting ready to come out that will bring it to the forefront again. Harvey, I really believe there is a chance she could cede her position to Bernie Sanders before it is over with. I am praying for Trump to beat them. It is so good discussing this with someone who cares. I love this website.

          • Ummmm…Wake Up Call there, Harvey. The MSM does NOT ‘report’ – they read scripts prepared by their corporate owners and the Ministry of Propaganda, the White House.
            Anything resembling the truth won’t EVER make it to the MSM. 15 years of them selling the lie of 9/11. Has anything changed?

        • The only way I have of spreading this is to write, tweet, and use Facebook. Can you suggest anything else…any other means of communicating this news?

  1. Do people actually think anything is going to be done about these lies and crimes? 911 was a far bigger and immense operation, involving many people, and even though the truth IS out(or at least something that dispels the official version!) about how it happened, nothing has ever been done to punish the REAL perpetrators or investigate REAL leads. When it comes to this administration and almost every one before it, the name of the game is coverup. When it comes to “enemies” of US administrations, the name of the game is “disclosure”, even when said disclosure is pure BS! In other words, the people throwing around the wild accustations have alot more to cover up than their accused people that they “expose”.

  2. Hahahahaha!!! Holy shit, this is priceless! $7mil and 8 investigations turn up nothing, but you have video proof that this was intended to be a kidnapping, planned by the President and SOS!?!?
    What kind of moronic asshat actually believes this bullshit?

    • I believe this , as the source is reputable. I actually believe that many terrorist attacks stem from this. They want their religious icon, the Blind Sheikh released. Do some research on the Blind Sheikh.

    • I guess those looking for the truth, not a tax-payer boondoggle Dog & Pony Show, which you seem to have swallowed hook, line, and sinker.
      Like Comey letting Hillary off the hook? Ring any bells?

        • My comment was made to SemperFi, with his belief that “$7m and 8 investigations” was a Dog & Pony show for the typical Amerikan idiot, such as himself – which he obviously bought, AND in support of your work

          • Personally, I don’t think ANYTHING, anymore, is too preposterous when it comes to our government. I would be far more surprised were something like this NOT true.
            For me, it’s easier to imagine and believe the worst of these people, for as I was taught long ago when my life depended on it;
            “NEVER….underestimate. Ever.”
            Because I think within the next 3 to 24 months, [your] life may WELL depend upon it.

          • Very well said. Lately I have found myself commenting on things that were so unbelievable…yet true…that I am beginning to consider this the norm. We are able to follow the people and things we never could before, so a whole new world has appeared before us.

  3. Harvey, there is no proof. This is a propaganda lie written by a liar trying to get some traction action and maybe some cash in an election year. The Benghazi Subcommittee was completely suborned through bribes and threats to be4 nothing but a character assassination factory for Hillary. This was admitted by its own members. Read Politifact insread.

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What Is a Roth IRA Conversion?

A Roth IRA conversion is a transfer of retirement assets from a Traditional, SEP, or SIMPLE IRA into a Roth IRA, which creates a taxable event. A Roth IRA conversion can be advantageous for individuals with large traditional IRA accounts who expect their future tax bills to stay at the same level or grow at the time they plan to start withdrawing from their tax-advantaged account, as a Roth IRA allows for tax-free withdrawals of qualified distributions.

Key Takeaways

  • A Roth IRA conversion involves transferring retirement funds from a traditional IRA or 401(k) into a Roth account.
  • Since the former is tax-deferred while a Roth is tax-exempt, the deferred income taxes due must be paid on the converted funds at that time. There is no early withdrawal penalty.
  • This strategy makes sense if a saver believes that the deferred tax liability in the traditional account will grow as retirement approaches, where it is better to pay those taxes now than later.

How a Roth IRA Conversion Works

A conversion may be accomplished by a rollover of assets directly between the trustees of the traditional and Roth IRAs, or by the IRA owner distributing the assets from the traditional, SEP, or SIMPLE IRA and rolling over the amount to the Roth IRA within 60 days of receiving the distributed amount.

Any such conversions should be done with due diligence, possibly consulting a financial planner or personal tax professional, as there may be major tax implications if not done appropriately. This is even more important because a Roth conversion completed after Dec. 31, 2017, can no longer be recharacterized—in other words, it can't be reverted back to a traditional IRA later.

When Conversions Make Sense

The big advantage of Roth IRA conversions is having tax-free withdrawals in retirement. This can be appealing if you expect to be in a higher marginal tax bracket in retirement, which is typically not the case for most people. But there's another aspect to conversions that gets less attention. By timing a series of conversions to coincide with years when your tax bracket is lower, the amount of taxes paid for those conversions would be minimized.

Tax considerations are the key to a Roth IRA conversion. It makes little sense to convert if you'll be handed a tax bill now that will be much larger than if you had waited to withdraw the funds. In addition, the time value of money is important. A dollar in your hand today is worth more than a dollar coming at some time in the future. Another factor is that you don't want a large conversion in any one year to bump you into a higher tax bracket.

Another aspect to consider is making a charitable deduction with the assets from an IRA. The 2018 changes in the tax law have in effect taken these deductions off the table for many taxpayers. But if you were to use money from an IRA to make a charitable contribution, the tax deduction for a contribution to a public charity can be up to 60% of a couple's adjusted gross income (AGI) for cash donations, and up to 30% for donations of securities such as those in an IRA. If your contribution exceeds these limits, the IRS allows you to carry the excess forward for up to five years.

If RMDs are creating cash flow surpluses that are not being spent due to normal reoccurring retirement expenses, it may make sense to use those surpluses as an opportunity to do conversions. It may also make sense so as to reduce the magnitude of future RMDs by shifting assets from tax-deferred assets in a Roth IRA.

Example of a Roth Conversion

For example, if a married couple who expect to file jointly with $115,000 in taxable income convert up to $50,000 to a Roth IRA they could stay within the 22% marginal tax bracket for 2021, which applies to taxable income between $81,051 to $172,750. A dollar above that limit would kick the couple into the 24% bracket.


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Activated Stone carbon may also be used to purify the water for wine and beer making. Wine and beer consist of water, good tasting pure water is important.

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No Commuter Rail for NH

1443 signers. Add your name now!
1443 signers. Almost there! Add your voice!
James Cody signed recently
David Scott signed recently

Please let it be known to the NH Legislature, both the House and Senate, and especially The Governor of NH Chris Sununu, that we the undersigned, INDIVIDUALS and BUSINESSES, are HEREBY OPPOSED to the installation of a commuter rail system that would transport people from Massachusetts to NH and back as per described in SB 241.

We ask that our Governor VETO SB 241 and stop this unsupportable proposal.

Commuter rail systems carry with them massive debt that is then placed on the taxpayers in perpetuity. It could even mean and income tax, which the Governor of NH CLAIMS HE IS AGAINST.

Please read more from experts on this subject by searching at our website on "Commuter Rail".

Remember, college polls recently touted in the news were conducted by highly-paid lobbying firms claiming 75% are for commuter rail. Those polls were likely only the opinions of 500 or so people, NOT "75% of NH", and those surveyed were likely not given any facts. Because ridership would be .01% or less, a commuter rail would not be financially viable. Taxpayers would be stuck with the bill. Who is paying these lobbyists?

A study has already been done that concluded the system would serve 2,568 one way trips per day, which is really 1,284 people taking a round trip per day. Divide that by NH’s 1.386 million population and you get 0.0926 percent. That’s less than one tenth of one percent. (Yes we overestimated when we said 1% would use it)

Read more here:

Read the CATO INSTITUTE'S policy advisory on outmoded technology and see the list of bankrupt commuter rail lines in the USA.

SAVE NH FROM WHAT WOULD BE A SERIOUS MISTAKE and let this be our demand that SB 241 be VETOED by the Governor of NH.:

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Season 2, Episode 6 | Jena Kennedy of LexisNexis on Security and Authentication

  • iPipeline

Pipecast, the official podcast of iPipeline, is back with another fresh release!

Check out season 2 episode 6, available now featuring Jena Kennedy, Director of Vertical Market Strategy for Life Insurance at LexisNexis.

In this episode, we welcome Jena for a broad and entertaining discussion on security and authentication in the life insurance industry today. What’s at stake for insurance companies, and what can they do to ensure the balance of usability and safety? How can consumers navigate the complexities surrounding the protection of their information? What can and should financial professionals do to help their customers and companies without preventing sales? All of these topics and more are on the table.


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XY Planning Network Takes Fiduciary Fight To States And Hires Advocacy Consultant Duane Thompson

BOZEMAN, Mont., Oct. 12, 2020 /PRNewswire/ — XY Planning Network (XYPN), a membership organization comprised of more than 1,300 independent fee-for-service financial advisors, today announced that it will not appeal its unfavorable 2nd Circuit ruling on Regulation Best Interest, but it has engaged Duane Thompson, president and founder of Potomac Strategies LLC, an experienced industry lobbyist and fiduciary advocate, to continue its fiduciary fight at the state level. Thompson will assist XYPN in its state advocacy efforts for a fiduciary standard for all financial advice, and that the fee-for-service business model XYPN pioneered be regulated in a manner consistent with other (e.g., assets under management) fee models.

In September 2019, XY Planning Network (XYPN) co-founders Alan Moore and Michael Kitces made waves when they announced their decision to file a lawsuit against the SEC challenging the Regulation Best Interest (Reg BI) rule during the opening of their annual national conference, #XYPNLIVE. Thereafter, a 9-month legal battle to vacate the new broker advice standard ensued, with the U.S. Court of Appeals for the 2nd Circuit ultimately ruling against XYPN on June 26, 2020, acknowledging that Regulation Best Interest would “put [XYPN] and other investment advisers at a competitive disadvantage compared to the status quo.” However, the three-judge panel decided nonetheless that the SEC had the regulatory authority to impose a lower standard for brokerage firms, creating an unfavorable outcome for RIAs.

The big question since has been, “What’s next?” Today, Moore and Kitces finally revealed their answer as they opened XYPN’s 2020 conference with the announcement they’ve hired Thompson, who was the architect of the FPA’s successful lawsuit against the SEC’s since-vacated non-fiduciary broker-dealer exemption (more widely known as the “Merrill Lynch Rule”). He has a decades-long career in financial planning advocacy punctuated by many successes.

When the Court’s decision to uphold Reg BI was announced, XYPN leadership vowed continued support and advocacy for distinguishing between the product distribution and capital formation function of brokers, from advisors who are in the business of advice and who owe a fiduciary

duty to their clients. In recent years, a growing number of states have also recognized the SEC’s failing with Regulation Best Interest’s insufficient standard of advice for brokers and insurance agents, including Massachusetts, Nevada, New Jersey, and others. Many of those states not only fought alongside XYPN in challenging Regulation Best Interest but have also been enacting their own state-based fiduciary duties that uniformly apply a fiduciary duty for both investment advisers and brokers providing advice in their states. It’s not surprising, then, that following XYPN’s loss against the SEC, the states naturally became the new battleground for fiduciary advice.

“As a membership organization with more than 1,300 advisors and RIAs in all 50 states, we recognize the challenges of uniformity in state fiduciary rulemaking,” said XYPN co-founder Michael Kitces. “Nonetheless, with the firms that manufacture and distribute products blocking effective Federal regulation, we believe the states represent the best path to advance fiduciary regulation of advice. Ultimately, XYPN feels a duty to protect not just the RIA community, but the consumers that community serves. With Thompson’s contributions, our fight to hold advisors delivering financial advice to the highest standard of care for their clients continues.”

About XY Planning Network  XY Planning Network is the leading financial planning platform for fee-for-service financial advisors who want to serve Gen X and Gen Y clients, providing comprehensive financial planning services for a monthly subscription fee and without product sales or asset minimums. The Network offers a virtual community for new and established financial advisors who want to serve a younger clientele, and provides its members compliance support services, marketing support, business tools and templates, and a wide range of technology solutions.

Cision View original content to download multimedia:https://www.prnewswire.com/news-releases/xy-planning-network-takes-fiduciary-fight-to-states-and-hires-advocacy-consultant-duane-thompson-301150391.html

SOURCE XY Planning Network

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Understanding Your CP516 Notice

What this notice is about

Reminder notice. We still have no record that you filed your prior tax return or returns.

What you need to do

  • File your tax return immediately or explain to us why you don't need to file.
  • Complete Form 15103, Form 1040 Return Delinquency , included with your notice to explain:
    • Why you are filing late.
    • Why you don't have to file.
    • That you've already filed.
  • Detach notice stub, mail it with your tax return and completed Form 15103 using the envelope provided.

You may want to

Frequently asked questions

What should I do if I disagree with the notice?

Call us at the toll-free number on the top right corner of your notice. Please have your notice and account information available when you call. If you prefer, you can write to us using Form 15103.

What should I do if I've just filed my tax return?

You do not have to do anything if you filed your tax return within the last 8 weeks.

What should I do if I did not file my tax return or it has been more than 8 weeks since I filed it?

Complete Form 15103 included with your notice. Check the name, Social Security number, and tax year on your notice. Make sure they match the name, number, and year on the return. Mail us a signed and dated copy of the tax return with Form 15103.

What happens if I can't pay the full amount I owe when I file my return?

You can request a payment plan with us when you cannot pay the full amount you owe.

What if I need copies of income information the IRS received for me?

You can get copies by using the Get Transcript option available online.

What if I want to file prior year returns electronically?

We accept prior year returns electronically for the 2 most recent prior years. However, you must locate an e-file provider who offers the service to do so.

Tips for next year


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Sayyed al-Hakim announces “Citizen Coalition” for upcoming local elections

hakim-announces-quot-citizen-coalition-quot-for-upcoming-local-electionsThe Supreme Iraqi Islamic Council announced on Saturday, the electoral coalition that will take part in the upcoming provincial elections.

The head of the SIIC, Sayyed Ammar al-Hakim, announced forming this Coalition during a ceremony held at his office in Baghdad which carried the slogan “The Citizen Coalition” with the electoral number: 411.

Sayyed Hakim said during the ceremony “We would like to inform the citizens about the announcement of the Citizen Coalition which will be devoted for serving the interests of the Iraqi people.”

The Citizen Coalition involves leading political and tribal figures, most notably the head of the Iraqi National Congress, Ahmed al-Chalabi, and the head of Bada’na Trend (We started), Jawad al-Bolani.

The electoral propaganda for the next local elections which will be launched on 20th, next April has officially started on last Friday.

Back to top button


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Three quarters of Islington students get GCSE pass rate

Three quarters of all GCSE students in the borough achieved the benchmark pass rate.

Islington Council says the number of pupils who gained five A* to C grades increased to 75 per cent which is up three per cent on last year.

A total of 19 per cent scored three or more A* to A grades.

Four from St Aloysius’ College in Hornsey Lane, Archway - Richardo Mendes, Yonathan Abraham-Haile, Corey Peterson, and Degol Tesfei - got 10 A* or A grades.

Other high achievers include Fatemah Alemi of Elizabeth Garrett Anderson School, Risinghill Street, Islington, who counted three A*s and eight As. Simi Sule at Mount Carmel Roman Catholic Technology College for Girls in Duncombe Road, Archway, celebrated a staggering 12 A*s.

You may also want to watch:

Mount Carmel teenager Yara Bravo-Teixeira, who came to the UK from Spain two years ago with no English, achieved 14 GCSEs and 2 AS levels all above grade C.

Gladys Berry, the headteacher of Highbury Fields in Highbury Hill which celebrated its best ever set of results, said: “I am especially proud of the way in which our students recognised that hard work and determination really does pay off.”

Most Read

Highbury Fields pupil Wajiha Ahad, who earned two As, seven Bs and three Cs, said: “I am very happy. The exams were difficult and I wasn’t sure how I’d done.”

Classmate Sharmin Akhtar, who got three As, five Bs and two Cs, said: “It is a huge relief and means I can now do what I want for my A levels.”

Councillor Richard Watts, Islington Council’s executive member for children and families, said: “Congratulations to all our GCSE students.”

Islington’s Connexions service helps school leavers unsure about their next steps.

Visit or call them on 020 7527 7031.

Become a Supporter

This newspaper has been a central part of community life for many years. Our industry faces testing times, which is why we're asking for your support. Every contribution will help us continue to produce local journalism that makes a measurable difference to our community.

Become a Supporter


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ISPConfig Nightly Builds available now

September 10, 2020

Today we have started to provide ISPConfig nightly builds. The nightly builds can be downloaded from here: The option to update to a nightly build is available in the ISPConfig Updater starting with ISPConfig 3.2, it replaces the ‘git-stable’ update option. The version numbers of nightly builds are as follows: 3.2dev20200910 Where the number […]

ISPConfig 3.1.15p3 Released – Security Bugfix Release

February 21, 2020

What’s new in ISPConfig 3.1.15p3 An SQL injection vulnerability has been discovered in ISPConfig. This release fixes that issue. Thanks to Paolo Serracino for finding and reporting this issue! Who is affected by this issue? Most likely your system is not affected by the issue because the vulnerable code is part of an undocumented feature […]

ISPConfig Migration Toolkit 2.1 Released

November 22, 2019

Today, the ISPConfig Migration Toolkit 2.1 has been released. This release adds support for cPanel systems and fixes several minor issues. Now you can use the Migration tool to import your cPanel server into an ISPConfig system. The cpanel module is currently in beta, but we reached the point where we want to make these […]

ISPConfig 3.1.15p2 Released – Minor Bugfix release

October 16, 2019

What’s new in ISPConfig 3.1.15p2 This release fixes several minor bugs that were found in the previous version. For details, please see the changelog. ISPConfig 3.1.15p2 Download The software can be downloaded here: Changelog Known Issues Please take a look at the bug tracker: BUG Reporting Please report bugs to the ISPConfig […]

ISPConfig 3.1.15p1 Released – Security and Bugfix Release

October 9, 2019

What’s new in ISPConfig 3.1.15p1 The ISPConfig source code has undergone an initial code review by security company RACK911 LABS. During this check several problems were found which were fixed in this patch version. This release improves the protection against CSRF attacks. While additions and edits were already protected, deletions were not. This has now […]

ISPConfig 3.1.15 Released

September 4, 2019

What’s new in ISPConfig 3.1.15 This ISPConfig version provides support for the Rspamd email spam filter, which replaces amavis as the default spam filter in ISPConfig. Amavis has become less effective in recent years, so we looked for an alternative and found that Rspamd is really effective and a good Amavis replacement. Amavis is still […]

ISPConfig 3.1.14p2 Released – Important Security Bugfix

July 23, 2019

What’s new in ISPConfig 3.1.14p2 A security vulnerability has been found in ISPConfig which might allow a client to create folders outside of his web root and to alter permissions of folders outside of the web root. The following two requirements must be met for this: – The attacker must have a valid ISPConfig login […]

ISPConfig 3.1.14 Released

July 8, 2019

What’s new in ISPConfig 3.1.14 This ISPConfig release adds support for Debian 10 (Buster),  a new datalog viewer, DNS CAA Records, PowerDNS 4.x support, Chroot option for PHP-FPM and several new Remote API functions. And many bugs were fixed. For details, please see the changelog. –update — We had to fix an error in the […]

Tutorial: New Perfect Server Tutorial for CentOS 7.6 with PHP 7.2

April 9, 2019

  This tutorial shows how to install ISPConfig 3.1 on a CentOS 7.6 (64Bit) server with Apache web server and PHP 7.2. ISPConfig 3 is a web hosting control panel that allows you to configure the following services through a web browser: Apache web server, Postfix mail server, MySQL, BIND nameserver, PureFTPd, SpamAssassin, ClamAV, Mailman, […]

ISPConfig 3.1.13 Patch 1 Released

February 19, 2019

What’s new in ISPConfig 3.1.13p1 This version fixes a small bug in the Debian version detection code in the ISPConfig installer which detects the new Debian 9.8 version as Debian 8.x version instead of Debian 9.x. If you already have ISPConfig 3.1.13 installed, then there is no need to install this update. For details, please […]


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Phenibut Is the Best for Stress Relief

Phenibut was made in Russia in the 60’s by a group of restorative researchers and was then utilized in a Russian cosmonaut’s medkit, 1 for the probable motivation behind giving the cosmonaut alleviation from stress and tension. It is sold in the U.S. as a dietary enhancement yet is a presciption prescription in Russia. Phenibut is known to be able to improve mind capacities and in the past was utilized to treat uneasiness related illnesses. Resistance has been accounted for relating to the utilization of Phenibut, so it is astute to take it irregularly and only one out of every odd day. For somewhere in the range of, multi week off and multi week on, would be fine however once more, it can get ongoing so it is critical to continue with care here. Suggested doses are 250-1500mg as indicated by certain sources. 1

A few social uneasiness discussions talk about Phenibut functioning admirably as a treatment for a large number of the clients. A considerable lot of the clients appear to like conversely utilizing it alongside their different meds so as to dodge resistance from any of them. Muscle heads on numerous wellness discussions use it to unwind and rest; likely on the grounds that they are fired up on vitality supplements, high caffeine supplements and on the grounds that they have a great deal of vitality and endorphins developed from lifting. Obviously, wisepowder Phenibut powder is a powerful strategy for them as well. As an impermanent tranquilizer, some weight lifters use Melatonin on specific days and Phenibut on different days.

My own involvement in Phenibut has been phenomenal. I think that it’s successful in removing strain and nervousness and have known numerous around me who have explored different avenues regarding Phenibut and items containing Phenibut. There are evidently nearly no side effects,1 aside from lethargy the following day or tiredness two or three hours in the wake of taking huge portions of it. It is additionally said to instigate an unmistakable disapproved of quieting impact that will undoubtedly bring some relief. 2 indeed, a portion of my companions have taken a mind supplement called Mind Discharge 3 which contains Phenibut, for their agoraphobia dread of groups, and all concur that it’s stunning. Mind Discharge is created by Brains Enhancements and is utilized for uneasiness just as an intermittent tranquilizer. I like Phenibut, however once more, I don’t take it consistently, and don’t prescribe taking it consistently. As I would see it, the most ideal approach to take Phenibut is accept it as required. See the assets for more data, and consistently ask your social insurance professional before taking this and any nutraceutical.

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