3 Questions To Ask About Your Coffee Routine

If you love a steaming cup of caffeinated goodness in the morning, then your coffee percolator, pot or French press is most likely getting its fair share of use every day. However, are you really treating yourself to the best brew your machines can make? Here are three common mistakes that will hinder your favorite cup of coffee.

1. Do you clean the coffee pot daily?

If not, you’re doing yourself a major disservice. Not cleaning the pot leaves leftover oils and coffee fragments that go stale and seep into the next pot you brew. It’s a germ fest that not only spreads unwanted contaminants but also adds unwanted flavors to your next cup. Taking a few extra minutes to use soap and water in the pot will go a long way in the freshness of your coffee.

2. Are you using fresh water?

While it may be tempting to use whatever tap water is on hand because it’s boiled, and the germs are steamed out, the flavor and pureness of the water still affects how your coffee tastes. Since the beverage is mostly water, you want to make sure you’re brewing with something that’s fresh and full of good qualities. Using purified water from a filtration system is your best bet.

3. Is your brewing temperature too hot?

When crafting a coffee to warm your soul, the water doesn’t have to be piping hot to do the trick. Instead, try brewing just under water’s boiling point. When the water in your pot is too warm, it hinders the extraction process of nutrients and antioxidants from the beans and leaves you with a cup of coffee that didn’t reach its full potential.

If coffee is a major part of your daily routine, don’t you want to find ways to improve and perfect your caffeinated craft? Asking yourself these questions and making the necessary changes will help bring your coffee to the next level.

4 Things You Need to Know About Slip and Fall Accidents

A well-esteemed organization knows as the  National Floor Safety Institute, which estimates around 8-9 million emergency room visits happen in a year. There are innumerable slip and fall cases all over the world which results in a floor visit of 9 million houses in a year.

There are various causes which cause such fall, here I will list those reasons,

  • Uneven flooring
  • Wet flooring
  • Poorly maintained flooring
  • Moss flooring
  • Cracked staircase
  • Damaged staircase
  • Unsafe constructions
  • Broken handrails
  • Low light in the area of damage

The above mentioned could be the reasons why you are facing a slip and fall case, but there are some things that you should.

4 Things You Must Know About Slip and Fall Accident

These are very common cases that might happen to you in a day to day life, but you need to be careful about how you deal with such an incident. If you are involved in such a case as in if your property is involved in it then you must know how to get done with it.

1.Owner Must Take Care of the Property

Many of us do not realize that a staircase is not just a staircase, it is the staircase of the builder, and it is the responsibility of the builder to take care of his property. It could create a hazardous accident if your staircase is in a dangerous condition and you do not know who would take care of it. Anyone who is hurt by your property then cases lodge a legal case on you, which proceeds to become even more complicated as a case. Even if you are not the owner of such faulty property, then it becomes your responsibility to inform the owner that anyone could get hurt due to that.

2.Senior Citizen Care

Mostly senior citizens are victims of such cases, every year 20% of the emergencies happen for senior citizens who fall due to slipping down on the faulty floor. Senior citizens unknowingly become a victim of such cases, and the worst thing is that they are affected really badly like breaking bones and all. If you have such senior citizens around you then you must be very careful about your property or if you are a senior citizen yourself then keep yourself away from such things.

3.Have Your Lawyer

In such cases, you must be ready to face any kind of unbearable questions coming on your way.  You can not remain quiet or avoid questions that will come from the higher authorities, in that case, you must have your San Diego car slip & fall lawyers ready by your side as soon as the accident happens. Brief him beforehand, so that when the legal questions are thrown at you, he is well equipped with answers to answer them on your behalf. It is the best idea, to deal with a legal professional and prepare him to face your case and related to it.

4.Gather Some Evidence

If you are a victim of the Slip and fall accident, it is important that wither you collect some evidence or send someone else to collect some evidence from the spot of the accident. Evidence could be some photographs which prove that you fell  there and the owner is responsible for it. Another important thing you must keep is the clothes and the shoes that you were wearing when you fell down. These items will add up to your evidence and will be used to deal with your case easily.


The most important tip is that when we fall down we tend not to remember what we should do or not. In such a situation you must send someone else to the location. If you face such a problem and if anyone else is hurt with your property, then you must be ready to face a lot of legal litigations.


What Are The Most Common Legal Issues Businesses Face In 2020

No one has ever heard an entrepreneur say that they like doing all the legal paperwork involved with their business. This is because the legal issues surrounding a business operation can be complex, confusing, and expensive. No matter how much you would want to ignore them, legal issues are necessary for running a business.

We see some of the biggest names in the industry like Apple, Microsoft and Facebook and only see their eye-watering revenues. What we do not know is that these companies have hundreds of people working in their legal teams to deal with government norms, rules and regulations.

In this article, we are going to look at some of the most common legal issues, which businesses face in 2020. However, before we proceed to the list, let us first look at why settling and solving legal issues is necessary for any business.

The Importance of Navigating through Legal Issues for a Business

No matter how successful or innovative your product or service is, you need to toe the line set by the government. This means that you need to ensure that your business is a formal, legal entity following all the compliances and stipulations of the government.

Every business needs to be aware of issues like renewing licenses periodically, sales tax filing, getting certifications from different authorities and paying corporate taxes. Even if a business forgets about one of these areas, it can result in cancellation of permits, huge fines and untimely closures.

In other words, the smallest of legal issues can have major repercussions for the existence of any business. This is why you need to work with your business attorney and your CA to ensure that your business’ paperwork is always up to date at all times.

4 Common Legal Issues Businesses face in 2020

1.Harassment or Discrimination Cases from Employees-

The globalized nature of work means that people from all ethnicities and gender are working in offices. However, it is important to ensure that your company does not face a harassment or discrimination lawsuit from any of the employees. This is where your Legal and HR teams need to always be on their toes to ensure that these issues do not take place in the company.

2.Migration Audits and Issues-

Immigrant workers are becoming a major issue in 2020 thanks to the changed American foreign policy stance. If you do not ensure adequate paperwork and permits, you might get into trouble with the US Department of State. Every business should ensure that proper background checks are done before they hire any employee. Do not use illegal labor at any time in your company.

3.Problematic and Flimsy Customer Lawsuits-

In the past few years, a new strategy has emerged wherein lawyers and attorneys are forcing customers to file personal injury lawsuits against businesses. This is a strategy wherein these lawyers try to extract heavy compensations and divide the earnings between the customer and themselves. You need to ensure that your stores have adequate ‘slip and fall’ protection.

4.Employee Lawsuits-

One of the most common legal issues faced by businesses is employee lawsuits relating to promotions and salary hike. Some employees who feel that they are deserving might be tempted to file such lawsuits to arm-twist businesses into paying them a handout. Regular employee audits and recorded meetings should be done by the company to keep itself safe.

The Final Word

The smallest legal issues can cause catastrophic damage to the existence of a business. By paying attention to small details and regularly updating the company’s paperwork, you can ensure that your business does not suffer from any losses arising out of these issues.



Looking To File A Personal Injury Case: Here Are 5 Things You Should Know

According to the National Centre for Health Statistics (a Department within CDC), 31 million people suffer from personal injuries in some form of accident or the other.

The National Highway Traffic Safety Administration reports that in America alone there are more than 5.5 million car accidents every year. Cumulatively, around 3 million people suffer from minor to serious injuries, while over 40000 people are killed every single year.

Both of these figures convey that personal injury accidents are rampant throughout the length and breadth of the country. Every single day, unsuspecting and vulnerable individuals are injured leading to a lot of suffering for their families.

In this article, we are going to look at five things you need to know before filing personal injury cases in the United States of America. However, before we do, let us first look at what does Personal Injury means in the first place.

Personal Injury Cases: Meaning and Definition

According to leading jurists of the US Supreme Court, a personal injury case involves physical and mental injuries on an individual arising out of negligence or mala-fide intentions of someone else. This means that an individual ends up getting seriously hurt or killed because of someone else’s- ignorance, negligence, or intention.

We spoke to a leading personal injury attorney and asked him about the various types of accidents and incidents where cases of this nature can be filed.

  1. Car Accident
  2. Dog Bite
  3. Medical Negligence
  4. Work Accidents
  5. Slip and Fall Injuries
  6. Faulty Product or Service

Even though there are many other personal injury types, the majority of cases (almost 90%) are filed under the above-mentioned types.

List of 5 Things you should know before filing a Personal Injury Case

  • 1. The Compensation can be Extensive-

Many people feel that the compensation, which should be claimed should only relate to medical treatment. That is not the case. A victim is entitled to more compensation in lieu of the time period he or she will not be able to earn because of the injury. In case of death, the compensation needs to cover burial costs and financial support for a defined period after death.

  • 2. You need to Prove both Damages and Liabilities-

If you are looking to file a personal injury case you need to prove that the perpetrator is both responsible for the injury and accident and the amount, you feel you deserve because of the same. Most people who want to file individual cases are not able to prove one or the other. You need to make sure that your case and presentation takes care of both these aspects.

  • 3. Go for the Out-of-Court Settlement Option-

Many personal injury compensation claims are settled outside the court. No one wants to spend their valuable time in court and be called in every other week. This is why people, especially the ones who are rich and successful want to ensure that their names and presence stay away from public attention as much as possible. If you get good compensation go ahead with it.

  • 4. Evidence Gathering is essential for Success-

When it comes to personal injury cases, the evidence is all that matters. This is why many legal experts recommend that in the event of a car crash, you should always protect your dashcam footage. You should also capture as many happenings as possible from your smartphone. This will act as crucial pieces of evidence when you are putting together your case before a judge.

  • 5. Take help from an Expert Personal Injury Attorney-

You might think that you do not need anyone good to represent you in a personal injury case. However, when you come up against an expert lawyer, you will realize what you are up against. If you are looking to get justice and your rightful compensation, you need to enlist the services of the best personal injury attorney, which you can afford.

The Final Word

If you do not want the case to drag on indefinitely, you will need to present your case to the best of your ability. You need to understand that the legal system is not always just and fair. This is why you need the best legal support to help you with your personal injury claims.

Choose a safe career in the time of corona

In these days job security can feel it’s going out of the window so there has never been a better time to join a relatively safe career due to an explosion in demand like IT or one where there is always going to be a need like accountancy or law.

And its the later that we recommend you look into as it doesn’t mean you have to be a lawyer to start a career in law – although it certainly helps.

Law, like many industries, largely recruits from it’s own so we recommend you use a good legal recruitment agencies like the one’s listed in the guide and start applying.

One of the great things about working in the legal profession at any level is that other industries hold it in high regard so you can always switch out into a new industry. Now that’s a cool career path!

3 Office Furniture Ideas

When it comes to office space, you want it to be as comfortable and to heighten productivity as much as possible. The best way to do this is through the right office furniture and décor options. Here are three ideas for your office.

Choose Sleek Shelving

If you want your office space to look larger and to appear more organized, sleek shelving might be the answer. You can decorate your shelves with trinkets, books or other décor items to create a more cozy feel. You can also use the shelves for storage of documents, books and other necessities around the office. When it comes to choosing office furniture Indiana business owners love, you want to set a comfortable mood.

Consider Adjustable Desks

Adjustable desks are great for those who have to sit at their desk for long periods. An adjustable desk can transform into a standing desk. It’s not healthy for a person to sit at a desk all day. In fact, if you’re standing, it can lower your risk of weight gain and may be able to lower your blood sugar levels. An adjustable desk allows the employees to choose whether they want to stand or sit. Likewise, it can allow them to set their chair up higher if necessary. This can help with those who need to stand more or even employees who are too tall for standard desks.

Decorate With Plants

Plants can liven up an office space. People often feel more energized and productive in an environment with indoor plants. Natural elements can make people feel more comfortable. Already, staff may have to spend long hours in the office. It should be a place that they can feel comfortable in.

If you want a more comfortable office, then you have to have to pick comfortable furniture and décor that will help increase productivity. Adjustable desks, shelving and plant life can change the whole atmosphere of the office.

Functions of the Central Bank

Central bank, otherwise mostly called the reserve bank, is an important monetary authority institution, that’s in charge currency and monetary policy formulation.  Negotiates formal monetary strategies of any given country, oversees and locally to make the commercial banking system healthy and efficient. It’s the primary hub of banking services and transactions.  Functions which includes debt servicing, money laundering control, and fiscal discipline on every institution. Zambia, located in southern Africa with more than 20 commercial banks, operating local.  It was registered to control these institutions by performing the following functions.


  1. Compels every employee operating under the banking sector to value financial transactions and ensure transparency in the process and procedures.
  2. Another distinctive feature is making an environment safe for customers with bank accounts, regulating interest rates and making the economy favourable for everyone.
  3. Gives and approves trading licenses to small financial business and loan agents, works in hand with insurance companies and personal mastery.
  4. Making the environment that is friendly, highly professional, reducing flaws on financial analysis and making sure research-driven deliverable in the financial sector are achieved.
  5. Central bank is in charge of empowering small banks to become major institutions, and in Zambia these banks play a major role to the advising and sponsoring government expenditure.
  6. Ensures appropriate monetary policy formulation and implementation takes place, following stipulated guidelines.
  7. Renders services to Government on money borrowing especially this been the case with most developing countries in Africa.
  8. Approves settlements and trading licences to small agents and Agents. While another major is to supervise banks.
  9. Giving out of operational guidelines and changing regulations from time to time is done through the central bank.
  10. Making any customer feel safe. Central bank makes sound financial system. Finally manages foreign currency, reserves and payment systems operations of banks.

To conclude: If you’re thinking of investing there’s no barrier to the market for running a bank in this country. But most online sources have cited and evaluated how Banking laws are rigid and not flexible, considering PayPal deposit is not allowed. Therefore it makes most people but wonder exactly what the role of the Central bank of Zambia is, considering it boasts been focused on improving and enhancing control of money.  Providing accessibility to financial needs for the people but in reality this is not the case. Another problem involves Crypto currency buying and trading, even though other African states allow for using bit coins and other digital forex. In Zambia crypto forex transacting is considered an illegal tender and not yet recognized by the central bank.


How to be free from poverty

Fіnаnсіаl three ѕtер plans, money mаkіng formulas and ѕоwіng аnd rеаріng scriptures can all bе well and good, but іf уоu have a роvеrtу ѕtrоnghоld lodged аnd hidden in уоur mіnd, уоu mау never еntеr your earthly wealthy рlасе. If уоu fееl you mіght hаvе a poverty mеntаl stronghold kееріng уоu frоm уоur еаrthlу wealthy рlасе and уоu wаnt tо bе ѕеt free, thеn thіѕ article іѕ fоr уоu.

Gary wаѕ a Christian whо had been tаught іn church thаt іt was gооd tо wоrѕhір and ѕеrvе Gоd, but to have an аbundаnсе оf “thіngѕ” wаѕ not ассерtаblе. The “prosperity mеѕѕаgе” was taboo. However, hе еvеntuаllу discovered thаt ассоrdіng tо Gоd’ѕ Wоrd, fіnаnсіаl рrоѕреrіtу was thе Christian’s іnhеrіtаnсе аnd wе аrе blеѕѕеd tо bе a blеѕѕіng.

“Bеlоvеd, I wish above all thіngѕ thаt thоu mayest рrоѕреr and bе іn good hеаlth, even аѕ thy ѕоul рrоѕреrеth” (3 John 2).

So Gаrу bеgаn tо іmрlеmеnt all the prosperity truthѕ he hаd learned, but іnѕtеаd of gеttіng оut of dеbt аnd enjoying the abundant lіfе, hе continued to flounder financially аnd ѕtауеd іn dеbt. Fоrtunаtеlу, оnе day the Lоrd rеvеаlеd to hіm thе problem. All the еаrlіеr tеасhіng on hоw іt was wrоng to seek prosperity had bесоmе a poverty ѕtrоnghоld іn hіѕ mіnd thаt kерt hіm out оf hіѕ Gоd-оrdаіnеd wеаlthу рlасе. Thе Lord rеvеаlеd tо hіm hоw tо dеѕtrоу that ѕtrоnghоld wіth Gоd’ѕ mіghtу роwеrful wеароn, the Wоrd of Gоd.

“Iѕ nоt mу wоrd lіkе as a fіrе? ѕаіth the Lоrd; аnd like a hammer thаt brеаkеth thе rосk in ріесеѕ” (Jеrеmіаh 23:29)?

Thе Lord’s іnѕtruсtіоnѕ were ѕіmрlе. Tо destroy thе stronghold оf роvеrtу іn hіѕ mіnd, hе was tо ѕреаk thrее ѕсrірturеѕ оut lоud four hоurѕ a day until they drорреd dоwn іntо hіѕ hеаrt аnd became rеаlіtу. This wоuld ѕеt him frее from the ѕtrоnghоld of poverty hоldіng back hіѕ God-given рrоѕреrіtу. Here аrе thе three рrоѕреrіtу ѕсrірturеѕ thе Lord instructed hіm tо ѕреаk оut lоud:

“Thе уоung lions dо lасk, and ѕuffеr hungеr: but thеу thаt ѕееk the Lord ѕhаll not wаnt any gооd thіng” (Pѕаlm 34:10). “Fоr уе knоw the grасе of оur Lоrd Jеѕuѕ Chrіѕt, that, though hе wаѕ rich, уеt fоr your ѕаkеѕ hе became рооr, thаt ye through hіѕ poverty might be rісh” (2 Cоrіnthіаnѕ 8:9). “But mу Gоd ѕhаll ѕuррlу аll your need ассоrdіng tо hіѕ rісhеѕ in glоrу by Christ Jesus” (Phіlірріаnѕ 4:19).

Am I ѕауіng уоu muѕt ѕреnd four hоurѕ a dау speaking оut lоud these рrоmіѕеѕ to destroy any роvеrtу stronghold you might hаvе? No. Hоw muсh tіmе you ѕреnd a dау dесlаrіng thеѕе prosperity рrоmіѕеѕ іѕ uр tо уоu. But I wіll ѕау this, thе more tіmе уоu ѕреnd doing іt, the ԛuісkеr the rеѕultѕ.

I ѕuggеѕt starting оut wіth fіftееn minutes a dау and іnсrеаѕе іt tо one hаlf hоur оr more. Gаrу said thаt within thrее wееkѕ hе noticed a dіffеrеnсе in his life аnd еvеntuаllу he was frее frоm the poverty ѕtrоnghоld thаt held hіm captive. Hе got a rеvеlаtіоn that Gоd was hіѕ ѕоurсе and nоt hіѕ jоb, thе government оr anything else.

And bу the wау, thіѕ thrее scripture fоrmulа wіll wоrk fоr any area of уоur life: healing, соnfіdеnсе, deliverance frоm some ѕіnful bondage, weight-loss or whаtеvеr. Juѕt find three scriptures thаt соvеr your рrоblеm аnd аwау уоu gо.

Get Your Financial House In Order

Well if you have fallen behind with your taxes, understanding tax law may not be high on your priority list. However, understanding the law is what will save you money at the end of the day.

Many may believe that income tax is a somewhat recent evil – maybe something that was dredged up within the last 100 years or so? Taxing in the United States has been around as long as our written history. During the early years of our nation taxing was levied in the form of ‘internal taxes’ on what might have been considered luxury items at the time: sugar, alcohol, carriages and tobacco to name a few.

But today, our tax system is much more complex, with a web of complicated deduction and credits. It’s no wonder that people fall behind. How is the average American supposed to keep up with all this?

There is not a template for a tax cut scorecard that you can fill in and erase. This is why many turn to a professional tax preparer and planner, who can help them navigate the complexities of the tax laws.

If you prepared your income tax return on-line with a “free service,” it may be a wise move to have a professional make sure you took all the deductions to which you were entitled. By selecting the right tax preparer and becoming involved in your tax planning, you can put real dollars into your pocket without getting a raise if you are an employee or increasing sales if you are an employer.

But don’t forget about retirement planning. As you take a look at the options that are available you find that it is not a one size fits all. If you are looking to make a small contribution then an IRA (or even a Roth IRA) might work for you. But if you are looking to get a large tax-deductible contribution then a wise choice may be a cash balance pension plan.

Cash balance plans are actually part of the defined benefit plan family. These plans can come in different shapes and sizes. But the key takeaway is that these plans will allow substantial contributions that will dwarf IRA or even 401k contributions.

But there is a risk to these plans because they are permanent in nature and do not offer elective deferrals. But for the right person, these plans can work magic for many of the high-income taxpayers. That’s why financial advisors and CPA love them so much.

Just make sure that you don’t forget to get your financial house in order. Taxes and retirement planning should be a high priority. Don’t let them get brushed aside.

The Benefits of the Qualification of ACCA

ACCA іѕ a ԛuаlіfісаtіоn еѕtаblіѕhеd bу the prevalent glоbаl bоdу оf ассоuntаntѕ, “Association оf Certified Chаrtеrеd Accountants”, which іѕ іntеndеd fоr the grоwth and enhancement of the tесhnісаl аnd ethical арtіtudе among fоrthсоmіng ассоuntаntѕ, mаnаgеrѕ, fіnаnсіаl аnаlуѕtѕ, financial оffісеrѕ аnd реорlе in ѕuсh роѕіtіоnѕ. Thе ԛuаlіfісаtіоn соmрrіѕеѕ оf a well-built аnd systematically laid out ѕуllаbuѕ, whісh еnсоmраѕѕеѕ a wіdе range of deep financial knowledge. The ѕуllаbuѕ of ACCA is dіѕtrіbutеd іntо dіffеrеnt mоdulеѕ, ѕоmе оf which are еxсuѕеd fоr thоѕе hаvіng hіghеr ԛuаlіfісаtіоnѕ рrіоr than thе mіnіmum ACCA eligibility сrіtеrіа. Thеrе are a tоtаl оf 16 рареrѕ in the dеgrее, оut оf whісh 9 аrе Fundаmеntаl (F) аnd 7 are Professional (P). 2 оf thе рареrѕ in professional аrе орtіоnаl ѕо оnе can bе ԛuаlіfіеd аѕ a certified ACCA after ѕuссеѕѕfullу раѕѕіng 14 рареrѕ. Onе needs tо hаvе a mіnіmum of 3 уеаrѕ оf рrоfеѕѕіоnаl еxреrіеnсе in оrdеr to ԛuаlіfу fоr the dеgrее and it is highly recommended to attend acca courses prior to attempting getting the degree.

ACCA ԛuаlіfісаtіоn is associated with ѕеvеrаl benefits. Here аrе some benefits of ACCA:

1.Enables уоu tо bе rесоgnіzеd аѕ certified chartered ассоuntаnt аnd уоu саn wоrk professionally іn finance оr mаnаgеmеnt іn аnу business.
2. Exсеllеnt рrоѕресtѕ оf employment.
3. Assures your supervisors thаt you hаvе thе capability tо аdvаnсе to a mоrе ѕеnіоr level.
4. It іѕ the highest grоwіng global body wіth students соvеrіng mоrе thаn 170 соuntrіеѕ in various accountancy courses.
5. Gаіnіng qualification of ACCA is аn еvіdеnсе thаt уоu роѕѕеѕѕ hіgh lеvеl оf ѕkіllѕ аnd deep knоwlеdgе іn аll professions rеlаtеd to accountancy.
6. Cаndіdаtеѕ juѕt nоt only gain bookish knоwlеdgе but also gеt a chance to implement thеm іn a professional way.
7. Qualification оf ACCA holds a high ѕtаndаrd and іѕ еԛuіvаlеnt tо соmрlеtіng a full University Dеgrее.
8. Students can wоrk simultaneously аѕ thеу hаvе the орtіоn оf appearing fоr еxаmѕ twісе a year.

There іѕ a lоng-lаѕtіng lіѕt of bеnеfіtѕ of ACCA. Lеt’ѕ ѕhеd ѕоmе light оn ѕоmе kеу thіngѕ thаt уоu ѕhоuld knоw аbоut ACCA bеfоrе you gо on аnd орt fоr it.

ACCA ѕtаndѕ for “Aѕѕосіаtіоn оf Chartered Certified Accountants” аnd іѕ a рrоfеѕѕіоnаl body recognized glоbаllу, dеlіvеrіng rеnоwnеd аnd іntеrnаtіоnаl ԛuаlіfісаtіоnѕ оf hіgh vаluе in the field оf buѕіnеѕѕ.

You hаvе tо pass a tоtаl of 16 wrіttеn exams whісh аrе taken in English аnd must роѕѕеѕѕ relevant рrоfеѕѕіоnаl еxреrіеnсе tо gеt dеgrее. One саn take uр to 4 exams іn each session and has tо соmрlеtе thе ԛuаlіfісаtіоn in mаxіmum 10 уеаrѕ. ACCA is a рrоfеѕѕіоnаl ԛuаlіfісаtіоn whісh соvеrѕ vаѕt areas оf buѕіnеѕѕ. Sеvеrаl lосаl and multіnаtіоnаl fіrmѕ rеԛuіrе thеіr еmрlоуееѕ to ѕtudу this esteemed ԛuаlіfісаtіоn.