“Our authentic calling, our true work in this world, becomes an outgrowth of our lives. Our work can transform and transcend whatever traumas we survive, turning them into something useful for ourselves and, we hope, for others.”

– Louise DeSalvo, Virginia Woolf scholar

According to Merriam-Webster Dictionary, both destiny and fate mean “a predetermined state or end.” Fate implies an inevitable and usually an adverse outcome. Whereas destiny implies something foreordained and often suggests a great or noble course or end.

In other words, both fate and destiny infer that some sort of predetermination exits.

As for who or what or where that predetermined outcome originated from? Well, I suspect that answer depends on whatever belief system you happen to be most aligned with.

Regardless of what you believe and/or have personally experienced in life, the idea that our souls are here on earth to fulfill some sort of purpose can be either reassuring (especially if we feel we’re on the “right” track) or unsettling (if we are feeling rather lost and off-track).

Or, if we are of the belief that this whole exercise is just one big chaotic crapshoot that is simply unfolding at random, then although we may not believe in any sort of predetermined plan or individual purpose, that doesn’t necessarily mean our lives don’t have meaning. Rather, our lives may have the meaning we assign to them – versus some larger force.

However, just as I discovered with exploring the possibility of life after death, it wasn’t until after I lost someone very dear to me that I suddenly became VERY interested in whether or not he still existed, in some capacity, after the death of his body.

I suspect it’s the same with destiny, fate and the possibility of our souls having some sort of higher purpose for being here: we may not really think too much about it, until we are forced to… until it really matters.

In my experience, life after a significant loss is when life’s big questions come bubbling to the surface. I think this is partly because searching for, and perhaps finding, a higher meaning in the wake of a tragedy helps make whatever anguish we may be experiencing a bit more… palatable.

Do you believe in the idea that a “Divine Plan” exists for each of us?

God knows (sorry for the pun) I heard that whispered in my ear enough times in the days and weeks following my husband, John’s, death. And quite frankly, that particular platitude offered me little in the way of solace. Instead, I was tempted to wind up and punch the person in the nose.

Why?

Because I found it presumptuous that people would tell me that John’s sudden – and easily preventable – death was part of some greater plan schemed up by a God who may or may not even exist… and as such, I best accept it.

To me, the concept reeked of apathy, especially when I realized that this “Divine Plan” is not something any of us mere mortals get to know. Rather, it’s supposed to be enough that a plan exists, so no further questions necessary.

But what is the point of God having some grand plan if no one knows what it IS?

I guess that’s where faith come in.

However, perhaps because I had so many people telling me that God had a plan for me and John, I began to think they may be right. So what did I do? Why, I tried to figure out The Plan – or at least, our tiny parts of it.

I didn’t meet with much success.

But now that nearly 17 years have passed since his death, I have the liberty of seeing things far more objectively than I did in those early days. And I cannot deny the possibility that there could be some sort of plan at work. Or maybe it’s just the way I choose to frame the situation?

Here are a few facts to our story:

1.) John and I used to argue about my procrastination as a writer. I had read Virginia Woolf’s book, A Room of One’s Own, multiple times. Woolf maintained that in order for women to write fiction well, they needed a room of their own and a secure income. John thought that was ridiculous. He figured motivation and me sitting down to actually do some writing was far more important.

2.) The day before John died, we had one last argument about me not writing and I told him how scared I was of waking up 20 years later and still not have finished writing a book. He looked at me and said, “You’re probably right about that… just as long as you know that will have been your choice.”

3.) Because John died in the line of duty and we had mortgage insurance, I was entitled to receive exactly what Virginia Woolf had proposed: a secure income for the rest of my life and an entire house – paid off in full at 32 – in which to write.

4.) Two weeks later, I started writing what would become my book, A Widow’s Awakening. It was published 8 years later… well under the 20-year time limit.

5.) A few years after his death, for some unknown reason, I took a playwriting course. My very first play script was entitled, Saviour, and it’s about John dying of his brain injury – with none other than Virginia Woolf as his spirit guide.

And then there’s the workplace safety initiatives of the John Petropoulos Memorial Fund. If John hadn’t died as the result of a preventable fall at an unsafe workplace, the Fund wouldn’t exist – and I certainly wouldn’t be an advocate for safety.

So DO I believe in destiny, fate and/or some sort of Divine Plan?

Honestly, I don’t know WHAT I believe in. But I do believe there are far larger forces at play in our lives and our job is to get up each and every day and do our very best at whatever is in front of us… and everything else just seems to fall into place. Eventually.

“God does not die on the day we cease to believe in a personal deity. But we die on the day when our lives cease to be illuminated by the steady radiance of wonder renewed daily, the source of which is beyond all reason.”

– Dag Hammarskjold, former UN Secretary-General

If you have a career and want to grow it, I have a solution for you.

This is not something that is simple for most people – pushing your career to the next level; whatever your industry might be.

Many have no idea that the fallen angels are perfect for this.

Other spirits can do the same, but these angels have a very particular way of working such that you develop your work life and your personal evolution at the same time; that is not the same as just working on your career whatsoever.

That would be like studying for school just so you can get decent grades; that has nothing to do with the real world, does it?

You have to balance both sides of your life and most people just don’t get that.

People tend to notice that their lives are out of flux when things mess up and they feel the weight of their problems – especially at work – pull them down into the gutter.

That is a serious problem, and is a clear sign that you are not aligned somehow with your true path.

You might be spiritually off center – very easy to do sometimes, sadly – or your work life might be just chaos, even if it’s actually just fine.

If you want your life to be back in alignment, to know who you truly are and how to push yourself to the next level naturally within your work and personal life – let’s begin…

Shahahiah – Align your work and personal life such that both evolve and ascend; this gives a solid boost to your career while pushing your personal evolution to the max (within reasonable means).

Lehachiah – Enhances your personal evolution such that your professional life (career / work life) are equally boosted and enhanced; they are technically in alignment after this.

These angels will literally push you to the next angel, getting you to where you need – not want – to be.

What we want and what we need tend to be very different.

In this case, if we ask for our work life to be better, it could potentially cause our personal lives to go unbalanced and become affected – we don’t see that both sides of our live are completely off center.

Likewise, if our personal lives are boosted but our careers are stuck in neutral, do you really think you’ll be happy when you realize that your work doesn’t fulfill you?

That can’t be the case.

These are the people who realize too late in life that their careers are just wrong in some way that they can’t pin point, and this is a problem.

That’s why we have to keep both halves of our lives in check, making sure they are perfectly center and not out of alignment, before we move on.

Have you ever seen a manager who is stressed out of their mind at work and can’t figure out which path to take in work or life?

That is literally the case for many companies where the general managers can’t make heads or tail out of several situations that should be very easy to resolve.

They then conclude that the money isn’t worth the stress, which is literally the case for them because they couldn’t find balance within their growth – and thereby their lives.

That’s a hideous thing to have – it’s the illusion of success, which no one wants.

Literally having money but no personal growth is like having money in the bank but never touching it; what are earth is your financial life like such that you don’t enjoy the money that you make?

This is a problem on a monumental scale for some businesses whose employees are just completely off center, and don’t know what to do to further their work lives – and thereby their personal lives.

If you are already in a situation where you feel out of alignment with either your work or personal life, here is a simple solution…

Aniel – To bring you back to center with work and personal life; you will feel both align and your emotions will level off letting you know things are a lot better. This means that when either your personal or work life feel too intense, things balance out and you feel everything resolve back to normal.

You know if you need this or not.

Feeling unbalanced is akin to going to the store and not buying anything – you have no idea what you’re doing since none of your plans are working out.

What if you’re trying to figure things out and nothing feels like it’s working?

You might need to replenish yourself in a different way…

Vevaliah – Dissolves the feeling of being stuck or idle in a way that nothing you do works out or makes a difference. Causes you to see and feel what need to be done to change your situation for the better.

This angel helps remove the nasty feeling of not having your efforts count – they always count but you need to feel and see that they do, which is completely different.

Can you imagine if all your work counted toward your work life and personal evolution and you didn’t feel stuck or out of alignment ever?

I’m not saying this is a permanent solution to your problems but it can definitely help and it definitely can’t hinder your path in any way, so why wouldn’t you use these spirits to help enhance your life in every way that counts?

We are talking about using the spirits to boost our lives in all the ways that matter – personal life and work life – and personal life encompasses all that which is not at the office, and that covers quite a lot of stuff.

This is about removing the obstacles in your path so that you can flourish in all the ways that most matter in your life.

In 1999 computer simulations of magnetic fields in galaxy clusters by Klaus Dolag revealed that galaxy clusters are embedded in a large-scale spider-web-like structure of filaments. Extensive galaxy surveys also show that structures resembling sheets and filaments characterize the distribution of galaxies. Consistent with the simulations, this distribution resembles a complicated spider’s web several hundred mega parsecs in diameter. According to Nobel laureate, Hans Alfvén, space is filled with a network of currents which transfer energy and momentum over large distances. Hot plasma streams along such filamentary currents.

Now, astronomers have actually detected a “universal web”. Vast filaments of hot gas tracing the web have been “seen”. Astronomers using NASA’s X-ray satellite observatory, Chandra, “viewed” the filaments stretching for millions of light years through space, with one passing through our own galaxy. They calculate that the filaments contain five times more mass than all the stars in the universe!

Invisible Filaments in Space

Astronomers say that the filamentary structures are so hot that it would generally be invisible to optical, infrared, and radio telescopes. These invisible filaments are detected only because higher density ordinary matter tends to accumulate and condense in them – generating radiation which can be measured by scientists to confirm their existence in intergalactic space.

Being invisible, they are by definition components of “dark matter and energy”. Dark matter and energy are invisible matter and energy that make up more than 99% of our universe – according to scientists. Studies show that both ordinary and invisible dark matter work in concert to build filaments in space, with dense junctions where galaxies cluster. The resulting structure looks something like a spider web, dappled with water droplets.

The filaments betray the presence of invisible dark matter because gas at millions of degrees centigrade found within these filaments has a natural tendency to spread. To find it confined into filaments means that a very strong gravitational field must be pulling it into place and only dark matter can do this – according to the scientists.

Invisible Filaments in the Subtle Body

In 1904 metaphysicist Annie Besant reported that “During human antenatal life a single thread weaves a network, a shimmering web of inconceivable fineness and delicate beauty, with minute meshes. Within the meshes of this web the coarser particles of the bodies are built together. During physical life, prana [which is a plasma of charged super particles according to plasma metaphysics] courses along the branches and meshes.” This web interpenetrating the human fetus certainly has features which resemble the cosmic spider web – with currents of charged prana (or qi particles) coursing through its ‘threads’ and denser material accumulating (i.e. “coarser particles”) on it.

It is a well accepted fact in metaphysics that there are filaments within our subtle magma bodies, which have been referred to as “meridians”, “nadis” and “channels” – in the Chinese, Indian and Tibetan literature, respectively. In Taoist and Qigong literature, they are also referred to as “circuits” and “orbits”. For example, Qigong practitioners may speak of microcosmic and macrocosmic orbits. The microcosmic orbit is really the main meridian through which particles are accelerated in the relevant practices to bring energy to the rest of the subtle body.

According to plasma metaphysics, these meridians are magnetic lines of force within the subtle magnetic plasma (or magma) bodies. The currents flowing through them are “Birkeland currents”, i.e. currents in which charged particles flow through magnetic field lines. The large scale structure of the universe, with a web of filaments punctuated with rotating galaxies, undoubtedly bears a strong resemblance to the web of acupuncture meridians or nadis punctuated with rotating chakras (or vortexes) and acupoints that is found in the etheric component of the physical body.

“I envisioned hundreds of little DC [direct current] generators like dark stars sending their electricity along the meridians, an interior galaxy that the Chinese had somehow found and explored by trial and error over two thousand years ago. It was obvious that the acupuncture charts had an objective basis in reality. Our readings indicated that these meridians were conducting current.” – Robert Becker, The Body Electric

The meridian system, chartered by Chinese acupuncture, can be considered the arterial system of what metaphysicists would describe as the “lower physical-etheric body” (which is not separable from the physical-biomolecular body). These meridian pathways are ordinarily invisible to the biological eyes – just like the invisible cosmic filaments. Just like cosmic filaments, these invisible meridians can be detected when they generate radiation.

French researcher Pierre de Vernejoul injected a radioactive substance into the acupoints of patients and measured the radiation using a special camera. He found that the substance migrated along classical Chinese acupuncture meridian pathways. Other injections made by Vernejoul into random points of the body and into veins and lymphatic channels were unable to demonstrate similar results, suggesting that the meridian system is a unique and separate network of pathways in the body. Further experiments showed that terminating a meridian that related to the liver resulted in a rapid degeneration of liver tissue. Without energy supply from the lower physical-etheric body via the meridians; tissues, organs and cells of the physical-biomolecular body do not appear to function properly.

The Universal and Human Physical-Etheric Bodies

The invisible cosmic web of filaments together with the dark matter that shapes them is in fact embedded in the lowest energy physical-etheric body of our universe. When we look out from Earth what we are seeing is the physical-dense universe, shaped by the lower physical-etheric body of the universe. Astronomers say that the invisible filaments in space are detected only because higher density matter tends to accumulate and condense in these filaments. Similarly, the invisible meridians in the subtle body can only be detected because of radiation from other substances that are channeled through them.

Plasma naturally forms filaments in response to electric and magnetic fields within the subtle body (which according to plasma metaphysics is composed of dark matter). Charged particles are guided within these filaments by the magnetic fields and accelerated by the electric fields – generating currents – as observed by Robert Becker.

Just as the lower physical-etheric body of the universe generates a web of filamentary currents (or filaments) that plays an important part in the large scale structure of the universe, the lower physical-etheric body of the human body generates a web of filamentary currents (or meridians) that is instrumental in developing the physical-biomolecular body of a human being. Of course, the Chinese already knew this – they have been exploring these filaments for more than three thousand years!

© Copyright Jay Alfred 2007

Human body maintains its existence through the process of metabolism. The result of metabolic process is energy which supports the cell life and the cell production, and metabolic waste in form of acids. Acids like uric acid, carbonic acid, lactic acid, acetic acid, etc.

Lets reflect on one common fact regarding human body. That fact is, that all our cells are submerged, floating, or taking a bath if you will, in our lymphatic fluids. Human body is about 60% water. What we eat will determine the acidity of that water. Now just by using a common sense try to imagine what happens with 40% of solid matter sitting in the acid. It slowly dissolves.

Not many realize that our life span directly depends on this fact. Faster and stronger dissolving is, shorter the life, simply put.

We’ve been told by western medicine, that our body gets rid of these acids through the process of breathing, through the process of excretion via kidneys and by the way of using human buffering system.

What we haven’t been told is that, when our lymphatic fluids become too acidic, our body’s capacity to push metabolic acids out of the system, is seriously compromised. For example, just a slight drop in body’s pH would result in diminished kidneys excretion ability by 50%.

Human buffering system on the other hand, is just slightly mentioned as something without much of a significance on our health, and with very limited impact.

However, the truth about this is purposely hidden from the public knowledge. Lets take a closer look at this.

Having knowledge that is not more advanced then the basic chemistry, it is very easy to understand that in order to neutralize, or to buffer the acid(s) it takes alkaline mineral(s) to do the job.

I will digress at his point a bit, and I will tell you a story.

In the summer of 2005 my friend and I were at the party organized for her grandfathers 103 birthday. At one point some of the guests started calling out her grandfather Patrick to give a small speech, and if he could, to tell everybody his longevity secret. And he did. He said that the secret was, that in his life he must have eaten more then one tone of black strap molasses.

And nothing. No reaction. Out of hundred something people there, nobody reacted. They were almost yawning. Unbelievable. I’ll come back to that later.

What is black strap molasses?

Black strap molasses is heavy and thick residue that is left after the third boiling of sugar cane syrup. At this point, most of the sugar ( sucrose ) is crystallized and heavy residue left behind is loaded with alkaline minerals. Especially calcium, iron, magnesium, potassium ( natural potassium ) manganese, etc. and the wide array of trace minerals. There is no other food on earth that is richer in minerals then black strap molasses.

It takes exactly these alkaline minerals to buffer the acids, and to dispose off metabolic waste. This is where the life span part comes in to the play again. Richer our body is in alkaline minerals, more it is capable of buffering acids and eliminating them, which equals longer life.

Black strap molasses is used to cure a wide variety of diseases, even the diabetes. Yes, you’ve read right, the diabetes.

I guess now you understand my surprise with poor peoples reaction upon hearing the secret. For me this was the same thing if someone offered you to drink from the fountain of youth, and you’d say, sorry, but I am not thirsty right now.

To buy black strap molasses of top quality from trusted and highly reputable source click here now.

You want to live longer and healthier life? Make sure you consume black strap molasses every day.

Alkalize or die early death.

Girl, Woman, Other by Bernadine Evaristo shared the 2019 Booker Prize and the reward was richly deserved. This is a monumental achievement – not the prize, the book. It is a work of its time, so much so, that surely it will be read the century from now as an iconographic summary of an era, in the same way some of the characters in the book turn to Dickens.

Girl, Woman, Other concentrates on the lives of a group of friends and acquaintances whose experiences intertwine. They’re all women of colour. They’re not all black, they’re not all African, they’re not all immigrants. Some are, and some are not. Perhaps that’s an important aspect of the book. Whatever we do, whomever we are, life is a personal affair, no matter how resolutely and how bigotedly we attempt to categorise or compartmentalise it. Central to the plot is an occasion when several of these friends, family and acquaintances happen to meet. Amma is a writer. She is about to have her play, The Last Amazon of Dahomey, premiered at the National Theatre in London. It’s her great breakthrough after years on the fringes, possibly because of her message, possibly because of her colour, possibly for myriads of other reasons not spoken…

Friends, acquaintances and relatives are invited. And at the end of the performance they mingle in the bar. In between, we live the lives of some of the families. It’s the experience of the of the girls, the mothers and the others that have made these lives that form the undiluted and constant joy of this book. And it’s the detail of these lives, coupled with the concentrated, complicated unexpected turns of fate and often arbitrary decisions that make everything so utterly credible.

Bernadine Evaristo’s chosen style is loosely poetic, without full stops, so conventional sentence structures do not apply. With such an approach, there might be a danger that these collections of almost offhand comments, recollections and characterizations become disjointed or hard to unpack. But in the hands of the remarkable Bernadine Evaristo, they form what soon begins to appear like a literary equivalent of photo realism. It looks hard edged and definite, but when the details are approached, it’s blurred at the edges, always expressive and utterly credible. The result is a seamless stream of consciousness that really is conscious, rather than vaguely felt. Girl, Woman, Other is such a perfect blend of content with complementary style that the two merge to mere continuum and the reader floats along in an endless sea of vivid detail.

By the end we feel we have lived these diverse lives. The similarities are always more trivial than the differences, but it these that we notice. And then, via the experience of one character, we realize that no matter how fixed in place, time, ideology, politics or race we may feel our identity to have become, we are all orders of magnitude more complicated than we can imagine. And a moral? Perhaps that might be the wrong word, out of context, irrelevant anyway, reason introduced to a universe where it plays second fiddle. Metaphors, after all, only exist to be mixed. The resulting bake is complex, possibly random in places, always certain of its confusion. What is not at issue, however, is the achievement that this book crystallises. Put simply, this is surely one of the great, everlasting novels.

Fall Means Change –

The seasons themselves know the importance of change. Sometimes as humans we get stuck in the daily grind of work, kids, school and everything else that occurs in a human lifetime. To change specific aspects of our lives we have to continue to grow. We have to stand up during the changes of the seasons, welcoming them hand in hand, walking together because now is more important than ever in history for humans to wake up to the need for change.

Sprinkle a little change in your life by changing a habit. Begin working out if you are out of shape. Start reading something positive and motivating when you wake up each day. It is the time that you take control of your life because we only get one shot. Remember that no matter what you are going through it is only a season. Whether it is Winter, Summer, Fall or Spring in your world there is always room for improvement.

Sprinkles of Change –

Each of our lives offers us challenges. These challenges were meant for you to grow with. Sometimes they are simple and sometimes they become more complicated. No matter the challenge know that you have the flame of greatness in you to help you overcome. The knowledge you have accrued over the years is within your mind, body and soul. You can take it out anytime you wish if you believe hard enough in your own well-being.

Putting the right stuff in your mind is one key step to begin changing. Watch those things that inspire you to take action in your own life. Get rid of the crap in your life. The negative energy that we have built around us is crazy. A few months ago I learned more about frequency and how truly important getting our lives into the right frequency so that we can get a sense of flow in our lives.

Frequency affects our environments. There is no doubt and we have known about it for years on end. The question is how do we build the right frequency into our lives. The Earth lives on the frequency of 7.83hz. Because of all of the signals humans have built there has been issues with species that live on this planet from birds to bees who use frequency to fly and go in the right directions. For our lives it is important to get on the right frequencies so that we continue on the path of greatness that each of us want in our lives.

Start by putting out loud exactly what you want in this world. Do you want to be a better father like I want? How about increasing your finances? Come up with an exact number. Tell the universe, your deity or whatever you believe in out loud what you want every single day morning and night. That is two times a day reading out loud precisely what you are looking to accomplish in life.

This helps you to keep the thought in the top of your mind. We only have one chance at this life. Use it to the best of your ability. Begin to really delve into your life changing everything until you have your perfect life. Time is of the greatest importance right now because this is when you have a sense of time to motivate you to succeed at whatever you set your mind to.

Imagine you were going to buy a 12-month old car. Would you pay more if you were going to buy from an authorised car dealer, or if you were buying from a private individual who had advertised in the small ads? Of course you would pay more to the dealer, even though the physical goods concerned – the car – may be identical in specification and condition.

The difference is partly the status of your counterparty (financial status and reputation), and partly the legal terms of the contract (such as warranties and after-sales support).

The same considerations apply for intercompany sales. Documenting the legal arrangements is not just important to support the transfer pricing position. It is also essential to enable the directors of each of the companies to demonstrate that they have complied with their legal duties as directors – irrespective of the fact that they may also act as directors of other companies in the group.

Here’s a sample checklist of issues which may be taken into consideration when putting in place written intercompany agreements for the supply or distribution of goods, and which should also underpin the transfer pricing analysis.

Factors relating to the parties

– Financial standing

– Availability of security (e.g. parent company guarantees)

– Legal form and location

Market issues

– Responsibility for local marketing costs

– Responsibility for compliance with local regulations (product and packaging)

– Responsibility for defending IP rights / pursuing infringements

– Responsibility for providing after-sales assistance

Security of tenure / ability to benefit from investment in market

– Exclusivity / territory

– Prohibition on direct sales

– Duration / notice periods for termination without cause

– Ownership of customer lists / requirement to hand over lists on termination

– Obligation to pay compensation / indemnity on termination

Supply issues

– Seller obliged to accept / perform orders

– Seller committed to supply minimum volumes

– Distributor restricted from selling / procuring competing products

– Distributor able to procure substitutable products elsewhere

Inventory issues

– Minimum purchase volumes

– Seller maintains local stock of products for distributor (consignment stock)

– Distributor required to physically adapt product for local market

– Seller bears risk of loss / damage to products in transit

– Seller obliged to repurchase unsold / obsolete stock

Price / payment risks

– Prices guaranteed /fixed for a specified period (irrespective of raw material costs)

– Responsibility for currency risks

– Responsibility for credit risks regarding customers

Product liability risks

– Responsibility for design defects

– Responsibility for manufacturing defects

– Obligation to replace defective products

– Responsibility for third party IP infringement claims

– Liability for loss of profits and third party claims

– Limitations on recourse (e.g. caps on claims, limitation periods)

Approaches for documenting intercompany agreements appear to vary widely – not only between different groups, but also within groups themselves.

In my experience, the most efficient approach is for a group to prepare standard conditions for each type of arrangement (e.g. R&D services, supply of goods, supply of HQ services). These standard conditions are then incorporated into a short-form contract schedule which is signed up for each agreement. This has the advantage of reducing the administrative burden involved, and it also fits well with the master file / local file approach for wider transfer pricing documentation.

Dear Donald Trump,

It is 3 AM (GMT) this early Saturday Morning, May 30, as I follow developments regarding the nationwide protests currently being staged as a result of the brutal murder of George Floyd at the hands of your police officers.

Mr. President, certainly the scenes oozing out of downtown Atlanta are quite worrisome as similar scenes evolve across major cities in the United States of America. Truly the land of the free and the home of the brave has not lived up to its bill of rights and liberty as enshrined in the sacred scrolls of the Declaration of Independence.

As I watch protesters attack the CNN Headquarters in Atlanta, I see the anger and frustration of citizens of your great country across the political and racial divide, all clamouring for the justice that is promised in your nation’s philosophical check book.

Alas! What is happening in America right now would be strange only to those who have no knowledge of the prophesies of the late Martin Luther King Junior who (57 years ago) boldly asserted the inconvenient truth as follows:

“When the architects of our republic wrote the magnificent words of the Constitution and the Declaration of Independence, they were signing a promissory note to which every American was to fall heir. This note was a promise that all men, yes, black men as well as white men (My Lord), would be guaranteed the unalienable rights of life, liberty, and the pursuit of happiness. It is obvious today that America has defaulted on this promissory note insofar as her citizens of color are concerned. (My Lord) Instead of honoring this sacred obligation, America has given the Negro people a bad check, a check which has come back marked insufficient funds.”

The Donald, it is your misfortune that today (more than ever before), the African race, is ready and eager to demand justice and equality. It falls within the period of your reign that the sons and daughters of the crowd solemnly assembled at the National Monument on that fateful day in 1963, when M.L.K. made that historic speech, stand ready and bold to demand that your federal reserves of justice honour that promissory note and no force on earth can stop this movement.

You have been eccentric, provocative and down right maliciously egocentric, but this is not the time to attempt any egomaniacal shenanigans. You must rise up to the occasion and answer to the call for justice to be delivered in the matter of George Floyd. Your country yearns for leadership and you have woefully failed to rise to the occasion amidst your government’s shambolic approach to the current the COVID-19 pandemic.

Now, here comes another tragedy on your doorsteps seeking the right mix of legal and sociological answers that would heal and reunite the United States of America. Will you answer to this proverbial 3 A.M phone call that former Presidential candidate Hillary Clinton warned all presidential aspirant about?

Whatever your answer to the foregoing query may be, you are better off doing some genuine soul-searching and broad-based consultation before you hit your Twitter handle.

In parting, Mr. President, I refer you to a warning posted to your office more than half a century ago; that mail was addressed to your office by no less an illumined soul than the reverend pastor of the Ebenezer Baptist Church in Atlanta, “the price that America must pay for the continued oppression of the Negro and other minority groups is the price of its own destruction. (Yes it is) For the hour is late. And the clock of destiny is ticking out. We must act now before it is too late.”

Please accept the assurances of my highest consideration and esteem.

As a layperson, you’re likely to read through clause three in the Standard REIQ Contract that’s used in conveyancing and feel that your finance pre-approval satisfies its terms. In reality, though, that couldn’t be less true. In order to avoid delays or hold-ups during the conveyancing process, make sure that your financing is in proper order.

Clause Three and Finance Approvals –

The third clause of the Standard REIQ contract that is used in conveyancing concerns finance approvals. In order to satisfy the terms of the contract – and to proceed with the transaction – a buyer must have been approved for financing. Unfortunately, many would-be home buyers think that conditional finance approvals are sufficient; they are not. Under the terms of clause three, you must have clear, unconditional approval for financing.

When shopping for a new home, many prospective home buyers get pre-approved by banks and lending institutions. While this can give you a good idea about how much you can afford, and is generally a smart way to proceed, it is not the same as actually obtaining approval for financing. It’s simply a preliminary way to get a feel for what you qualify for in terms of a home loan.

The problem that often occurs is that prospective home buyers obtain pre-approval from a bank or a lending institution and begin shopping for a new home. Upon finding one, they begin the conveyancing process. When confronted with clause three, they inform the seller than it is satisfied because of their pre-approved status. In reality, clause three has not been satisfied. At this point, the seller’s real estate agent or other party informs the buyer that they have not met the terms of clause three, which leaves the buyer feeling completely lost and confused. Of course, buyers who have retained the services of a top-notch conveyancing solicitor don’t have to worry about inadvertently misunderstanding this important clause.

Don’t Be Left in the Dark –

In order to satisfy the terms of clause three, you have to have been approved for financing in order to purchase the house in question. This distinction may appear to be simple, but it is also critically important. Failure to understand the terms of this clause can trip up the conveyancing process and make it take much longer than it should. In the meantime, the house that you want could very easily slip between your fingers. For best results, always hire a reputable and experienced conveyancing solicitor to help you navigate the complex and complicated waters of the conveyancing process in Australia.

Before filing a claim, find the original disability insurance policy. If you can’t find it, ask the HR department if it is a copy you received as an employee. This document explains your legal rights with the insurance company. It is the roadmap for a claim. Don’t accept an updated or altered version.

Be prepared for an avalanche of paperwork. Get a copy of everything that the insurance company gets: tests, records, reports, doctor’s notes, etc. Review and make a copy of everything sent to the insurance company. If you have questions, ask. If you don’t get straight answers, keep asking or have a friend or professional get involved on your behalf.

Tell your primary treating physician that you are about to file a claim. A doctor who does not have experience with disability claims can ruin your claim. Make sure the doctor understands that the success or failure of your disability claim depends on their cooperation.

Medical records must demonstrate more than symptoms and a diagnosis. Restrictions and limitations of occupational duties that are a direct result of the disability must be documented. For example, a report can’t simply say that a dentist can no longer perform dentistry because of fibromyalgia. The report has to explain the tasks required to perform the job: standing for long periods of time, leaning over patients, working with hands while holding head and neck at a particular position, maintaining focus and energy levels over extended periods of time. It is not the diagnosis -but the restrictions and limitations that the condition causes that creates a disability.

Doctors are not insurance professionals, and unless they have experience with the disability insurance claims process, it is not likely that they will know how to properly document the diagnosis in a way that will support a claim.

The file that an insurance company uses to review claims are the files used to deny claims and to fight claims in administrative hearings – so consider every piece of paper something that could be used against you. Every medical report, every form and every single document must be treated as courtroom evidence.

But, remember that every form is an opportunity to prove a legitimate claim. Be honest and truthful. If you there are particular times during the day when you simply cannot function, say so. Be specific about how many days a week you can conduct daily activities and how many you cannot. If the forms are not long enough, or if there is not enough room, make a note on the page that you are attaching pages containing more information.

Keep track of every contact with the insurance company. Document dates of conversations, name of representatives, and details of the conversations. Send follow up letters to confirm the conversations and keep a copy of everything you send to the insurance company. Send all letters and any records by registered mail or express mail service that requires a signature. If you get a follow up letter from the insurance company to document conversations,read it,and if they are not accurate, write back to correct them.

Get whatever help you need. If you can’t manage correspondence and phone calls, ask a trusted friend or hire a professional to help. Tell the insurance company representative if another person will be on a phone call, and make sure any follow up letters include this information.