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Understanding financial inclusion in China
We use data from the World Bank Global Findex database for 2011 to analyze financial inclusion in China, including comparisons with the other BRICS countries. We find a high level of financial inclusion in China manifested by greater use of formal account and formal savings than in the other BRICS. Financial exclusion, i.e., not having a formal account, is mainly voluntary. The use of formal credit is however less frequent in China than in the other BRICS. Borrowing through family or friends is the most common way of obtaining credit in all the BRICS countries, but other channels for borrowing are not very commonly used by individuals in China. We find that higher income, better education, being a man, and being older are associated with greater use of formal accounts and formal credit in China. Income and education influence the use of alternative sources of borrowing. Overall financial inclusion does not constitute a major problem in China, but such limited use of formal credit can create a challenge for further economic development.
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Volume (Year): 34 (2015)
Issue (Month): C ()
Pages: 196-206
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Demirguc-Kunt Asli & Klapper Leora & Randall Douglas, 2014.
"Islamic Finance and Financial Inclusion: Measuring Use of and Demand for Formal Financial Services among Muslim Adults,"
Review of Middle East Economics and Finance,
De Gruyter, vol. 10(2), pages 1-42, August.
- Demirguc-Kunt, Asli & Klapper, Leora & Randall, Douglas, 2013. "Islamic finance and financial inclusion: measuring use of and demand for formal financial services among Muslim adults," Policy Research Working Paper Series 6642, The World Bank.
- Shang-Jin Wei & Xiaobo Zhang, 2011. "The Competitive Saving Motive: Evidence from Rising Sex Ratios and Savings Rates in China," Journal of Political Economy, University of Chicago Press, vol. 119(3), pages 511-564.
- Shang-Jin Wei & Xiaobo Zhang, 2009. "The Competitive Saving Motive: Evidence from Rising Sex Ratios and Savings Rates in China," NBER Working Papers 15093, National Bureau of Economic Research, Inc.
- Li, Rui & Li, Qinghai & Huang, Shaoan & Zhu, Xi, 2013. "The credit rationing of Chinese rural households and its welfare loss: An investigation based on panel data," China Economic Review, Elsevier, vol. 26(C), pages 17-27.
- Allen, Franklin & Demirguc-Kunt, Asli & Klapper, Leora & Peria, Maria Soledad Martinez, 2012. "The foundations of financial inclusion : understanding ownership and use of formal accounts," Policy Research Working Paper Series 6290, The World Bank.
- Dennis Tao Yang, 2012. "Aggregate Savings and External Imbalances in China," Journal of Economic Perspectives, American Economic Association, vol. 26(4), pages 125-146, Fall.
- Yang, Dennis T., 2012. "Aggregate Savings and External Imbalances in China," IZA Discussion Papers 6964, Institute for the Study of Labor (IZA).
- Chinn, Menzie D. & Ito, Hiro, 2007. "Current account balances, financial development and institutions: Assaying the world "saving glut"," Journal of International Money and Finance, Elsevier, vol. 26(4), pages 546-569, June.
- Menzie D. Chinn & Hiro Ito, 2005. "Current Account Balances, Financial Development and Institutions: Assaying the World "Savings Glut"," NBER Working Papers 11761, National Bureau of Economic Research, Inc.
- Miriam Bruhn & Inessa Love, 2014. "The Real Impact of Improved Access to Finance: Evidence from Mexico," Journal of Finance, American Finance Association, vol. 69(3), pages 1347-1376, June.
- Zuzana Fungáčová & Laurent Weill, 2013. "Does competition influence bank failures?," The Economics of Transition, The European Bank for Reconstruction and Development, vol. 21(2), pages 301-322, April.
- Zuzana Fungacova & Laurent Weill, 2010. "How Market Power Influences Bank Failures Evidence from Russia," Working Papers of LaRGE Research Center 2010-08, Laboratoire de Recherche en Gestion et Economie (LaRGE), Université de Strasbourg.
- Thorsten Beck & Asli Demirgüç-Kunt & Ross Levine, 2007. "Finance, inequality and the poor," Journal of Economic Growth, Springer, vol. 12(1), pages 27-49, March.
- Tullio Jappelli & Marco Pagano, 1994. "Saving, Growth, and Liquidity Constraints," The Quarterly Journal of Economics, Oxford University Press, vol. 109(1), pages 83-109.
- Jappelli, Tullio & Pagano, Marco, 1992. "Saving, Growth and Liquidity Constraints," CEPR Discussion Papers 662, C.E.P.R. Discussion Papers.
- Zhang, Guibin, 2008. "The choice of formal or informal finance: Evidence from Chengdu, China," China Economic Review, Elsevier, vol. 19(4), pages 659-678, December.
- Cihak, Martin & Demirguc-Kunt, Asli & Feyen, Erik & Levine, Ross, 2012. "Benchmarking financial systems around the world," Policy Research Working Paper Series 6175, The World Bank.
- Turvey, Calum G. & Kong, Rong, 2010. "Informal lending amongst friends and relatives: Can microcredit compete in rural China?," China Economic Review, Elsevier, vol. 21(4), pages 544-556, December.
- Galina Hale & Cheryl Long, 2010. "What are the Sources of Financing of the Chinese Firms?," Working Papers 192010, Hong Kong Institute for Monetary Research.
- Beck, Thorsten & Demirguc-Kunt, Asli & Levine, Ross, 2006. "Bank concentration, competition, and crises: First results," Journal of Banking & Finance, Elsevier, vol. 30(5), pages 1581-1603, May.
- Han, Rui & Melecky, Martin, 2013. "Financial inclusion for financial stability : access to bank deposits and the growth of deposits in the Global Financial Crisis," Policy Research Working Paper Series 6577, The World Bank.
- Anson, Jose & Berthaud, Alexandre & Klapper, Leora & Singer, Dorothe, 2013. "Financial inclusion and the role of the post office," Policy Research Working Paper Series 6630, The World Bank.
- Asli Demirguc-Kunt & Leora Klapper, 2013. "Measuring Financial Inclusion: Explaining Variation in Use of Financial Services across and within Countries," Brookings Papers on Economic Activity, Economic Studies Program, The Brookings Institution, vol. 46(1 (Spring), pages 279-340.
- Demirguc-Kunt, Asli & Klapper, Leora, 2012. "Measuring financial inclusion : the Global Findex Database," Policy Research Working Paper Series 6025, The World Bank. Full references (including those not matched with items on IDEAS)
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Hundimägi: Lower VAT Back to 18% ({{commentsTotal}})
With its 20 percent VAT rate on food, Estonia is among the leaders in the EU. The VAT on our grocery bills is much bigger than in Finland, Sweden, Germany, to name just a few. High VAT may also be one reason that groceries here are relatively expensive.
Different supermarket chains have now been arguing that if VAT were lower on food and staple goods, prices would drop in Estonian stores. The Finance Ministry counters that it is not reasonable to reduce tax on foodstuffs.
The ministry says the state would lose out on hundreds of millions of euros that could be used to dispense benefits. The minister says it is naive to expect that food prices will drop as retailers are the final link in the chain and they can't guarantee that the prices will fall if tax rates do. The tax system would also become more complex and the risk of tax fraud would increase.
The Finance Ministry's arguments seem partly like demagoguery. It is unclear that lowering VAT would not help lower prices. Naturally prices depend on many factors, but taxes are a major component and at least Estonia's recent past has shown that if taxes go up, so do prices.
It is not quite correct to argue that the state would lose out on hundreds of millions of euros. Data from the Agriculture Ministry shows that the state earns 18 percent of its VAT revenue off of food. Last year the figure was around 260 million euros. If Estonia gave food a tax break and cut VAT, like Finland, to 14 percent, the amount that the state would lose - and which business people and consumers would win - would be much smaller.
That is also the reason that I don't consider it right to establish a lower VAT rate on food. But I do think Estonia should reduce the general VAT rate back to 18 percent. The government raised the rate to 20 percent in the summer of 2009 very rapidly, serving it up to the public as a critical step for responding to the economic crisis. Now the crisis is behind us. If the governing coalition doesn't want to restore the old rate, it should at least explain to the public why, because the decision four years ago was made without thorough public discussion.
A number of arguments speak in favor of lowering VAT. For example, it would help check inflation and improve purchasing power among the population. It would also ease the rise in household expenses, which has claimed an increasing stake of consumer revenue.
The revenue part of the state budget would suffer, but it would force the Cabinet to subject expense line items to more scrutiny. Such belt-tightening would be useful before the next general elections, when politicians might be tempted to start distributing sweeteners to their own electoral district.
Lowering VAT would also reduce the amount of ill-gotten gains from tax fraud. Estonia has a local underworld specializing in tax fraud, which keeps on coming up with new schemes. A few years ago it was fuel, now it is food.
The goal of lowering VAT cannot and should not be alleviating poverty. There are more effective tax policy instruments for that. The most positive result of lowering the rate of all is that the revenue of both the state and the criminal world will decrease and the amount of money retained by households and businesses will increase, which they can then use according to their own discretion for improving their situation.
AIvar Hundimägi is the deputy editor-in-chief of the business daily Äripäev. This piece was originally a weekly commentary on Vikerraadio.

subset: commoncrawl


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Endurance-Info's Laurent Mercier looks back at an emotional Le Mans 24 Hours.
The 90th edition of the 24 Hours of Le Mans had been billed as a party from the beginning. On paper, everything was just right for close fights in every class: Audi/Toyota in LMP1, Rebellion/Strakka in LMP1 "privateers", Morgan/ORECA/Zytek/Lola in LMP2, Porsche/Ferrari/Viper/Corvette/Aston Martin in GTE-Pro and Porsche/Ferrari/Aston Martin/Corvette in GTE-Am. At the end, Audi took their 12th win, Toyota Racing gave it their all, Porsche confirmed their return to endurance racing, IMSA Performance Matmut gave the Porsche 997 RSR its final victory at Le Mans after offering the model it's first victory at La Sarthe, and Tom Kristensen becomes the equal to Sébastien Loeb in a completely different type of racing.
The start held true to its promises with the Toyotas being more competitive out of the block than expected, and rain starting to fall only 10 minutes before the start was given by Jim France. We quickly fell into the trap of hoping for a fierce battle between the two big constructors. That fight would only last two laps, before Allan Simonsen (leader in GTE-Am) would drive over the painted rumble strip at the exit of Tertre Rouge, losing control and hitting the outside barrier before coming to a stop in the middle of the track. The onboard camera from the Corvette who was following the Danish driver shows the Aston Martin Vantage GTE lose control and lunge head first into the barriers. We've heard Simonsen underwent more than 20Gs during the initial head-on impact, and even more in lateral Gs from the second. The original announcement is that the driver is OK. How wrong that statement would turn out to be.
The media center, and the rest of the world, would eventually learn that Allan Simonsen had died from his injuries. How could anyone be excited about how many pitstops the LMP1 cars would be doing over a 24 hour period when such a dark mood overcame the entire facility. AMR's race continues, according to the wishes of the deceased's family, something we can only respect. With four cars remaining on track, Aston Martin Racing is no longer thinking of celebrating its 100th anniversary, but to finish at the top of the podium in order to remember their fallen teammate. Contrary to what some media were reporting, it's not because he was running in "Am" class that Simonsen was an amateur. The Dane had a very long and distinguished résumé. Jan Sturve, owner of the Young Driver AMR team, will announce future plans, if any, for the team in due course.
No fewer than 21 cars were relegated to the back of the grid because all or part of their driver lineup didn't complete the required laps during qualifying. That had never been seen at Le Mans! Therefore, there were worries that there would be major issues during the race, but the Le Mans rookies did well. That said, there were still some scary moments. There was the frightening crash for Tony Burgess in the Lola/HVM-Status GP, where the car literally split in two. Later in the night, it was Howard Blank's turn to put a dent in the barriers in the S curves before Tertre Rouge in his Ferrari/AF Corse, leading to almost an hour's worth of repairs to the safety barrier.
Sunday morning also left us breathless as Andrea Belicchi had a major off on the Mulsanne Straight in his Rebellion Toyota. Once again, the barriers were damaged, and there was a long safety car period in order to conduct reparis. Fred Makowiecki then had a violent off in the Playstation chicane. The GTE Pro race leader becoming a passenger as the Vantage slid out of control in the slippery conditions. There again, the barriers were damaged. Then there was Nicolas Lapierre's off (getting the point here?) during attack in the Toyota #7 on Sunday afternoon. Again, victim of a slick track, the TS030 HYBRID went off at the Porsche curves and hit the tire barrier, but somehow was able to limp back to the pits.
A month after a 24 Hours of the Nüburgring cut short by nearly half thanks to weather, the 2013 Le Mans 24 Hours were also shortened even though there were no red flags involved.
Translated by Rainier Ehrhardt / Source: Laurent Mercier - Endurance-Info.com


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4 Avenida Andra, Palm Desert, CA 92260
- $430,000
- 1+ Years on site
- Est: $1,593/month
Estimate Your Monthly Payment
Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Click here for more information on rates and product details.
- Mortgage Center
- Beds: n/a
- Baths: n/a
- Building Lot
This . 49 acre lot located in the Estates at Desert Springs is one of the last remaining lots in this exclusive development. Owners in this upscale development have a golf membership available to the them through The Marriot. Included is unlimited golf on two courses, tennis courts, spa and fitness center, pools as well as room service available from the hotel restaurants. With plenty of room to design your new desert paradise the one thing that is certain, you will enjoy views of the Ted Robinson golf course and amazing mountain views this lot in the Estates at Desert Springs has to offer. A must see when looking to build in your new home in the desert. Click here to learn more about this listing.
- Year Built: n/a
- 1+ Years on site
- Building Lot
- Beds: n/a
- Baths: n/a
Listing Details
- Lot Features
- Mountain View
- Lot Size
- Approximately 21344 Square Feet
- Assessed Taxable Amount
- $414,222
- Tax Amount
- $4,970
- Last Transaction Date
- 10/30/2014
- Last Transaction Purchase Price
- $400,000
- Property Type
- Vacant
- Lot Size (Sqft)
- 21,344
- Lot Size (Acres)
- 0.49
- Units
- 1
- View Type
- Golf Course
Public Facts: As provided by County Assessor and Recorder offices. May not reflect recent additions or improvements. If you see any errors, the best way to get the records updated is to contact your local county records office. If any of the information in this section conflicts with property information provided by a listing agent or broker, agent-provided information should be deemed more reliable.
Local Info
| Median Household Income
| Median Years In Residence
| Median Homeowner Age
| Households with Children
| Percent of Homes Rented
Nearby Elementary Schools
- Desert Adventist Academy
- 74200 Country Club Dr Ste 2
- James Earl Carter Elementary School
- 74251 Hovley Ln E
- Abraham Lincoln Elementary School
- 74100 Rutledge Way
Nearby Middle Schools
- Desert Adventist Academy
- 74200 Country Club Dr Ste 2
- Palm Desert Charter Middle School
- 74200 Rutledge Way
- Sacred Heart School
- 43775 Deep Canyon Rd
Nearby High Schools
- Palm Desert High School
- 74910 Aztec Rd
- Xavier College Preparatory High School
- 34200 Cook St
- The Oasis Preparatory School
- 77530 Enfield Ln
These are the closest schools to your requested location. Proximity does not guarantee enrollment eligibility. Please consult your real estate agent or school district to confirm the schools you are zoned to attend.
Property Contact Info
Need More Information?
Please fill out this form to request more photos or more information regarding this property.


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Careers at EvCC
Why EvCC?
Everett Community College's vision, strategic plan and core themes value, respect and uphold diversity, equity, cultural competence and inclusion. Hiring and retaining a diverse workforce is a priority for our institution.
Click on each of the links below to learn more about EvCC! Search and apply for jobs here.
Tips on applying for jobs at EvCC
Featured Position: College Access Corps
Employee Demographics
Professional Development
- Faculty Opportunities for Professional Development
- Classified Staff Opportunities for Professional Development
- Exempt Staff Opportunities for Professional Development
Wellness for Employees
Free Corporate and Continuing Education Classes for employees.
Follow us on Twitter!
Contact Us
Need help applying? Call HR at (425) 388-9229 or email email@example.com.
Everett Community College does not discriminate on the basis of race, color, religious belief, sex, marital status, sexual orientation, gender identity or expression, national or ethnic origin, disability, genetic information, veteran status, or age.


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The item is not available on the STEAM marketplace.
Official Guide - Millennium 3
This is a restricted gift which can only be redeemed in these countries: Armenia, Azerbaijan, Belarus, Georgia, Kyrgyzstan, Kazakhstan, Moldova, Republic of, Tajikistan, Turkmenistan, Uzbekistan, Ukraine, Russian Federation
A detailed 83-page strategy guide for Millennium 3 - Cry Wolf! Includes a complete walkthrough with maps, plus sidequests, animal kings and all secret rooms!


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Before you upload images on the V-A-S Galleries, please read this Uploading Help first
View all V-A-S Photo entries for 2016
Previous V-A-S Photo Competition Winners
| 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007
The Valley Aviation Society is a non profit making organization, run by a small group of dedicated volunteers. Through charitable events and generous donations we receive throughout the year we are able to help local charities. Over the last twenty years, the Valley Aviation Society has donated £150,000 to these good causes.
Previous Years Presentations
2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
Yesterday RAF Valley and Anglesey became the 40th County to formally sign the Armed Forces Community Covenant (AFCC).
The North Wales airbase welcomed a huge cast of civic dignitaries, community leaders, veterans and service personnel to celebrate the event.
RAF Valley's Station Commander, Group Captain Adrian Hill ADC RAF said 'today is a historic day for the military and the community that we have been part of since early 1942'. He added, 'We are on strong and proud community foundations in Anglesey and this Covenant takes us forward as a family, together'.
Signatories came to the base from all over the Island ; from senior political figures, local schools, military support services, community groups, charities and conservationists. The Anglesey Covenant was also signed by the Island 's most Senior Citizen, Lord Anglesey, 92, himself a WW2 Veteran.
RAF Valley also announced the innovative 'Make the Covenant Count Programme', which ensures that the Covenant concept, is evolving and beneficial to the communities.
The Make The Covenant Count Programme was launched with the announcement of RAF Valley's leadership of a North Wales Veteran's Focus Group, supported by the Welsh Assembly, creation of a new Station Community Heritage Centre, partnership with Medrwn Mon – a vital Island charity support group and the gift of £500 to the Rhosneigr Helping Hands Scheme, a fledgling local elderly and veterans support and transport group.
The RAF Valley Covenant Team is led by Flt Lt Rob Pitt, an RAF Regiment Reservist and part of RAF Valley Support Wing. He said 'We have an amazing team here to help deliver AFCC from this day forward at RAF Valley' adding, 'The success of today is down to the efforts of Miss Babs Hiddleston, an MoD Civil servant with over 30 years military experience; Warrant Officer Alfie Jones, a combat veteran with 36 years of service, Corporal Mark Dixon, an award-winning RAF Photographer and Squadron Leader Albie Fox, a retired Search and Rescue Pilot – the make-up of our team is itself representative of the Covenant already working'.
Anglesey Council Chairman, Councillor Robert Llewelyn-Jones said in his speech: 'The Island Council proudly undertake to support our military community, by providing a single point of contact to hold the Armed Forces portfolio, ensuring that they are well supported on this great Island '.
The day was concluded by a spectacular photograph in commemoration and a surprise visit from the Red Arrows.
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text:
Presenting Social Media at WGBH
Submitted by Keith Hopper on Thu, 03/27/2008 - 19:40
Presented on Emerging Trends in Social Media and its Potential Impact on News Production and Distribution at WGBH today.
PRI's The World is up to some cool projects, including reporter Alex Gallafent's planned multimedia trip to the Amazon next month. Keep an eye on his blog.
Full disclosure: They use my community engagement software.


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The Pittsburgh woman who brought a defamation lawsuit against Comedian Actor Bill Cosby back in October, saw her suit dismissed on Thursday by a federal judge. The lawsuit alleged that when Bill Cosby and his representatives denied he sexually assaulted her and the other women, his denial in essence called her a liar, thus, defaming her.
Thursday's decision dismisses the October lawsuit filed by 48-year-old Renita Hill with prejudice. That means she cannot try to amend and re-file the lawsuit.
Hill went public with her allegations in November 2014. She sued Cosby, saying she was made out to be a "liar" and "extortionist" when the comedian, his wife and his attorney issued blanket denials to claims that Cosby drugged and molested several women.
The judge agreed with Cosby's attorneys that the statements were opinions protected by the First Amendment.
Hill's attorney promised to appeal. Cosby's representatives have yet to comment.
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A Wire Fence and a Nearby Shrub Caused a German Media Sensation
AUERBACH, Germany -- When Gerd Trommer's snowberry bush came in contact with Regina Zindler's fence, no one could have predicted that the encounter would eventually spawn a media superstar, a press frenzy, a hit country-and-Western single, and a new mecca on the German cultural landscape.
But it did.
Perched near the Czech border, Auerbach (pop. 24,000) was long sheltered from Western media by the barbed-wire fences of the...


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The National Labor Relations Board (NLRB) has ruled that Dresser-Rand Co., located near Corning, N.Y., violated the National Labor Relations Act when it reinstated workers who crossed the picket line before it hired back those who stayed on strike during labor unrest at the plant.
The NLRB ruled the compressor and turbine manufacturer should have bargained with the union over who to reinstate first.
The company also drew NLRB ire when it fired a striker who referred to those who crossed picket lines as "scabs" during a factory meeting. Dresser-Rand's move to deny accrued vacation time for certain strikers also ran afoul of the law, according to the board's decision.
Advice: When facing a work stoppage by your employees' union, consult an experienced labor-relations attorney. You need to understand all the issues that could arise before, during and after a strike.


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The 4 essential values of Kerastase are Performance, Expertise, Personalization, and Beauty. Using the most advanced technology in the industry, Kerastase and your stylist personalize unique products and treatments for your specific hair/scalp type, thereby enhancing the natural beauty of your look. Carter Barnes carries the full line of shampoos, conditioners, in-salon and at-home treatments, and styling products.
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Experience long lasting style memory and healthy, touchable hair with L'Oréal's lines of color, conditioners, texture products, shampoos, and much more — both for home use and exclusive, in-salon application. L'Oréal invented hair color as we know it today in 1907, and remains a global leader in hair-care products more than a century later. L'Oréal's product lines are vast, serving almost every imaginable styling or coloring need — and you'll find them at Carter • Barnes.
As a worldwide leader in professional skincare, Pevonia was the first company to develop a Spa Skincare Line exclusively for elite spas and Professional Aestheticians. Our products launched in 1991 fully recognizing that the most effective skincare ingredients can be found in the safest source on earth, in nature. By combining effective, safe and natural ingredients with decades of experience in professional skincare, Pevonia continues to be the global leader in skin rejuvenation and health.


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- by Amy B.
- – on
- in Did You Know...
Women who miss their periods for a month or more secretly rejoice. They don't have to change pads, worry about leaks, or suffer from cramps for a whole extra month! But an irregular period can be a sign that something is wrong with the body.
Women have periods, almost like clockwork, for a reason. This is the healthiest way for the body to release eggs. A regular schedule also determines when a woman ovulates to help increase her chances of getting pregnant. An irregular schedule not only throws off ovulation, but it can also become difficult to prepare for a period when it comes.
It can be tough to narrow down what's causing a woman's period to be late. There are numerous triggers for an irregular period, so a woman should look at any recent changes in her own body to help determine a cause. She should also talk to her doctor as soon as possible to make sure there isn't something serious going on.
You shouldn't take an irregular period as being "normal," unless your doctor specifically states that it might be the norm for you. Some women do naturally get irregular periods, which can be linked to genetics or hormones. But, if you've recently become irregular, or you haven't talked to your doctor about your irregular periods, it's time to do so.
These 15 triggers for an irregular period are among the most common.
15When Expecting
It's been debated about whether or not women can still have periods throughout their pregnancies. Some women continue to have a period for a month or so after conceiving, and others bleed irregularly throughout their pregnancy. Others have no sign of a period as soon as they become pregnant.
Professionals acknowledge that it's absolutely possible to have bleeding throughout your pregnancy – but this isn't a period. The vaginal bleeding just mirrors a period so much that it can be tricky to tell the difference between the two, so it just gets marked as a "period."
In fact, this vaginal bleeding is thought to be the cause of implantation bleeding - when the egg attaches itself to the uterine wall. You may also have some bleeding after your doctor performs cervical or pelvic exams. A slight amount of spotting during pregnancy can be normal, but if you're seeing a lot of blood, it's time to talk to your doctor.
14Recently Having Had A Baby
If you had a baby recently, your period can take several weeks, or months, to get back on track, and it may be irregular once it does come back. Every woman's cycle is different, and each pregnancy is different, so it's impossible to tell when your cycle will regulate.
According to BellyBelly, the majority of women get their periods back after about 10 weeks post-childbirth, if they aren't breastfeeding. But, even then, the period can be lighter or heavier than usual, or its length may be longer or shorter than what you're used to. It could take several more weeks to get your period back on track, like it was pre-pregnancy.
You should expect that, sometime within the first year of your baby's birth, your period should return to normal. If it doesn't, talk to your doctor about your options and to rule out anything serious.
13Being Sick
Although the common cold may not affect your period, a more serious illness might. If you've come down with something, like the flu, that can keep you bedridden and less active for a few days, you may temporarily notice an irregular period for that month and the month after.
Anytime your body is going through something it's not used to, that puts stress on the body. When there's stress on the body, you are more prone to an irregular period, since menstruation typically relies on the body being in optimal condition to perform at its best.
If you have the flu, you may be vomiting or have a high fever, both of which can interrupt your menstrual cycle temporarily. However, if, after a month, you're still experiencing an irregular period, you'll want to get checked out by your doctor. The flu, or other common illnesses, should not have a long-term effect on your period.
12Being Overweight
Those who gain a large amount of weight over time may not notice the impact it has on their periods. However, women who are overweight tend to have more irregular periods than those at healthy weights. Additionally, those who have gained weight very rapidly in recent months may suddenly notice more irregular periods.
Why does weight have anything to do with it? When your body is in its optimal condition – including a healthy weight – it naturally produces the estrogen that triggers regular, monthly periods. But, overweight women have extra fat cells that can produce estrone, a form of estrogen that mimics pregnancy.
So, although you're not pregnant, your body acts like it is. This can cause your period to stop, but blood will still accumulate by your uterine wall and will eventually make its appearance as an extremely heavy period.
If you believe your weight is the culprit, it's important to start losing some weight, especially body fat, to get your period back on track.
11Being Stressed
Everyone experiences stress at one point or another. If you're worrying about passing tomorrow's math test, chances are your period won't be affected. But, if you're seriously struggling to pay bills and wondering how you'll pay for your car this month, you may be stressing yourself to an irregular period.
Although it's not known exactly why stress can have such a significant effect on your period, there is a definite connection. Medical professionals believe that it has something to do with the effects that stress has on the hypothalamus, a gland responsible for controlling hormones in the body.
Stress has the power to suppress this gland, which can affect the production of estrogen, leading to missed or irregular periods. If you've been more stressed than usual and are noticing a change in your periods, try to find some ways to cope with your stress. Take walks, grab some alone time, or talk to someone you trust.
10Taking Birth Control
With so many types of birth control available, it's difficult to predict which one may be the best for your body, or what effects each type will have on you. Sometimes, it takes a trial and error process to find the birth control that works best.
Birth control can either regulate your period or cause it to become irregular. Some women stop having their period altogether. Depending on the type of birth control, this is completely normal due to the hormonal changes that birth control causes in your body.
In fact, doctors can prescribe birth control to some women who suffer from extremely heavy, or painful, periods. Soon after starting birth control, these women may notice more regular, lighter periods with lessened cramps and other side effects.
Some birth control methods are specifically designed to make you get your period a few times per year instead of monthly. Before settling on any birth control, make sure you do your research on the effects it can have on your period.
9Still Breastfeeding
Breastfeeding provides one of the most natural ways to delay menstruation altogether after having a baby. Some women experience no period during the length of time they breastfeed regularly, and some experience only intermittent spotting during this time. The typical timeframe for a regular period to begin again when you're breastfeeding is about 6 months postpartum.
When you breastfeed, the process signals to your brain that your baby needs your full attention on him. Therefore, your body will stop trying to ovulate because it won't see a need for you to create another baby. Once breastfeeding slows down when you decide to wean your baby, your periods may pick back up to normal.
Once you regain your period, it's still completely safe to breastfeed. This is just your body's way of telling you it's ready for another baby when you are.
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8Being Very Active
Do you ever wonder how professional athletes deal with their periods when it's game time. How do they just do what they do without worrying about pads, tampons, cramps, and all the other things that come along with a period?
The truth is, they probably don't have to deal with it. Many very active women end up skipping their periods altogether. Think of it as the body's natural response to extreme exercise and training – as if it knows that you need all your focus on training, not having a baby. It's pretty remarkable when you think about it.
Women with moderate activity levels, like those who exercise a few times a week, usually have their periods. The more active you become, the more likely it is that your period will become irregular, or stop altogether. This is caused by the stress that strenuous training and exercise puts on your body, which affects your hormone levels.
7Having An Eating Disorder
Any extreme change in your diet can affect your period. Eating disorders can make women lose weight fast and stop providing their bodies with adequate nutrition to allow menstruation to occur. Anorexia and bulimia are the two most common types of eating disorders to affect women and their periods.
Anorexia is a condition that affects many adolescent girls and women and causes them to stop eating. Bulimia, which is more common than anorexia, causes one to overeat and then throw up the food to help control weight.
Both of these disorders can be extremely destructive to the body and its natural processes. When you have an eating disorder, you are essentially depriving your body of the nutrients it needs to carry out its normal processes, like ovulation. Missing your period, or having irregular periods, for an extended amount of time is also unhealthy for your body and your reproductive system.
6Losing A Lot Of Weight
You don't have to lose a lot of weight from an eating disorder for your body to be affected and your periods to become irregular. If you decided to lose weight and you aren't doing it at a healthy pace, you may temporarily see an increase in irregular periods, or missed periods altogether.
This is due to the stress that unhealthy weight loss puts on your body. If you're losing weight through extreme dieting, the lack of healthy nutrients in your body could lead to your irregular periods. If your weight loss is due to over-exercising, the stress from being very active can affect your period's regularity.
The average person should lose only one to two pounds per week to maintain a healthy weight loss. Any more than this, and you could be putting yourself at risk for an affected menstrual cycle and other health problems.
5Smoking, Drinking Alcohol, Or Using Drugs
We all know that smoking, drinking, and using drugs are bad for our health. Yet, many women continue to do at least one of these regularly. Did you know that, aside from the obvious health risks, they can also pose a risk to your fertility?
If you drink regularly, you may notice irregular periods because of alcohol's ability to mess with the estrogen and testosterone levels in your body. For most women, regular alcohol use causes a prolonged period or more severe cramps. Smoking typically does the opposite, causing shorter periods for regular smokers.
Most illegal drugs have a significant impact on the body and overall health. When it comes to your period, doing drugs regularly can stop your period or cause extremely erratic cycles. Drugs can even alter your ovulation process completely, causing fertility issues if you do want to get pregnant.
4Having A Pelvic Disorder
There are a number of disorders that can affect the reproductive cycle of women, causing irregular periods. Uterine polyps or fibroids are among the most common. These are uterine growths that are usually benign, but can cause severe period cramping and irregular periods.
Pelvic Inflammatory Disease (PID) is an infection usually caused by sexual intercourse and affects the genital tract and uterus. PID can cause irregular periods until it's cleared, usually from antibiotics.
A more serious disorder, known as Polycystic Ovary Syndrome (PCOS), causes the ovaries to make male hormones, known as androgens. This affects a woman's ovulation and menstruation, usually causing her to have irregular periods, or stop having them at all.
If you are experiencing unexplained irregular periods combined with other symptoms, like pelvic pain, discharge, nausea, or fatigue, talk to your doctor to rule out a pelvic disorder.
3Having A Poor Diet
Your diet has a lot to do with your period regularity as it directly effects your overall health and hormone production. Therefore, it's important to always talk to your doctor before trying out any new diet.
You may think that cutting out fat is the best way to go to lose weight. After all, you're trying to lose weight to not be fat, so why eat fat? Fat is actually essential to proper hormone production in your body. Of course, eating the right kind of fat is important. Omega-3 polyunsaturated fatty acids help regulate hormone production to decrease the risk of depression, anxiety, and stress – all of which can lead to irregular periods.
Also, controlling your fiber intake can ensure your body is creating the right amount of estrogen. Too much fiber decreases estrogen production, throwing your period out of whack. The daily recommended fiber intake is between 25 and 30 grams.
2Having Diabetes
If you're a woman with diabetes, your period is one of the many bodily processes that can become affected by the disorder. Those with diabetes tend to have much more irregular periods than women without diabetes, or they may stop their periods altogether.
Diabetes effects the body's ability to produce insulin and process sugars within the body. This can put a lot of stress on the body, as it fights to regulate its sugars through proper diet and medication. Diabetes also causes excess androgens, or male hormones, which can influence the reproductive cycle. Those with diabetes also tend to be overweight, which causes irregular periods as well.
Women with Type 1 diabetes usually have longer and heavier periods than the average woman, and may begin menopause earlier than most women. In contrast, women with Type 2 diabetes tend to have large gaps between periods, or have shorter periods when they do occur.
1Having Hormonal Imbalances
Of course, the menstrual cycle all boils down to hormones. As wacky as they may be, hormones are what helps a woman's menstrual cycle stay on track. If you suffer from a hormonal imbalance, it stands to reason that your period may become irregular, or stop completely.
Some women have genetic factors that influence their hormones. In this case, your doctor will be able to give you advice on how to regulate your hormones through diet, lifestyle changes, or medications. In very rare cases, hormonal imbalances cannot be corrected, and you may need to look into fertility treatments, or other reproductive options, if you want to become pregnant.
Or, your lifestyle could be the culprit. Excessive partiers, worriers, or exercisers, for example, are more at risk for creating hormonal imbalances in the body that can affect their periods. In these cases, it's important to make tweaks to your lifestyle to keep your period regular for optimal reproductive health.
Sources: BabyCenter, BellyBelly, ClevelandClinic, DoctorNDTV, GalTime, EverydayHealth, Healthline, HelloFlo, LaLecheLeague, MedicalDaily, PAMF, UByKotex, WhatToExpect
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Magic Shirt
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Discovering Browser Plugin Vulnerabilities
Description: See how attacker find flaws in web browser plugins to install malware to your computer. For example, if a plugin has vulnerable readFile/loadFile function, then he can read/load any files from your computer and then send them to his sever. Similarly, for saveFile function, he can overwrite any files on your disk with malicious content.
Size: 9.38 MB
Date: May 2008


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Can't wait for Welcome to the Dollhouse, March 18, and Day 26, March 26(get it?), to drop? Take a listen to what you will be getting when you hit up iTunes to buy these Cds.<
Danity Kane and Day 26 Album Teasers
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FinServe – The Finance Club
FinServe aims to enhance the financial quotient of the students by conducting various inter-college activities like interactive sessions, guest lectures, financial quizzes, debates and events in collaboration with corporates. The activities provide a platform to the students to interact with each other and gain perspective on recent development and innovations in the area of finance.
Markaizen – The Marketing Club
Markaizen organizes events to develop a deep understanding of the various aspects and nuances of the marketing management area. For instance, quizzes like 'Brand Buzz' in which participants are given a list of companies and they have to identify corresponding products of the company. Markaizan also conducts simulation games such as 'Price is Right' in which a list of products is displayed to the participants and they have to guess the price of each of the products. The simulation helps in understanding the practical aspects of bargaining and market fluctuations of prices of products.
Sanviya – The Operations and Supply management Club
The Operations and Supply management (OSM) club is committed to encouraging knowledge sharing and enriching the classroom knowledge with guest lectures by industry leaders, industry visits, and case-study competitions. The primary motivation of the club is to equip the students with the fundamental skills demanded by the operations and supply chain industry.
Quintus- The IT Club
Quintus is a student initiative focused on providing all IT related solutions on the campus. The club is setting up a Moodle 'Modular Object-Oriented Dynamic Learning Environment' facility which is an open Learning Management System (LMS), a Network sharing facility, and developing an online Software Repository containing essential software required for general and academic uses. The club is also building an interactive online forum for brainstorming IT related issues.
Quizzar- The Quizzing Club
"The purpose of the quiz is not to shame or embarrass anyone, but to make sure everyone is on the same page."- Mark Goulston
Quizzar aims to enhance the general awareness of the students and also encourage them to think beyond their regular academic curricula. Quizzar conducts activities such as dumb charades, interactive and general quizzes, crosswords etc. in new and innovative ways that make them interesting and relevant for the business school students.
The Toastmasters Club
The Toastmasters Club established in IIM Sirmaur is the first in the entire state of Himachal Pradesh. The club conducts regular meetings for its members to develop excellent communication and public speaking skills. The club is looking forward to create a complementary club which can extend the benefits of the Toastmasters to non-members as well.


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Disclaimer: Why do I even bother? Am I a middle-aged, blonde woman? Of course not, I'm an almost 18 year old, brown-haired student from Scotland. Therefore, Harry Potter obviously does not belong to me.
A/N: I hope you liked your combined Christmas/New Years present of 3 chappies. This chapter is short and I have not written chapter 10 yet, but I will do my best to keep going. Oh, and I have not abandoned my other stories, I just have major writer's block.
Chapter 9
The darkness crept back slowly for Harry Potter the next morning as he woke up. He reached out for his glasses, and his hand fell on an envelope. Intrigued, he sat up and put on his glasses, before picking up the offending item and staring at it. The green, loopy writing on the front looked slightly familiar, but he just couldn't place it. Cautiously he turned it over and opened it, taking out the sheet of parchment.
My Dearest Harry,
I'm writing this while you are in my crib beside me with the deepest wish that you will never have to read it. But as you are, it means that I am dead before you turn 16. I'm so sorry that I'll never see you grow up to be an adult.
Harry, there is something that you need to know. James is not your father, though he doesn't know it. Your father is a man named Severus Snape. We dated at school, but broke up near the end of our 5th year. Afterwards, we remained friends, but I still loved him. Convincing myself that no more could go on between us, I started dating James in 7th year and we eventually married.
One day, less than a year after we married, I discovered that James had been having an affair, and I ran to my best friend, Severus. We ended up having too much to drink that night.
Shortly afterwards, I found out that I was pregnant with you, but I only told Albus Dumbledore the truth. James and Severus don't know, but if he is still alive, Severus will also be receiving a letter, explaining.
He is a spy for the light at the time I am writing this, so I am unsure whether or not he will still be alive while you are reading. If he is though, look for him. You need a dad, and Severus needs you. He locks himself off from everyone to stop himself from getting hurt.
You might have realised that the way you are looking is changing, and also wondering why you looked like James. When you were born, I cast a powerful charm on you to make you look like James. However, the charm isn't permanent, and will start to fall on your 16th birthday. It will take about a month to completely wear off. After that, you will look how you were always supposed to look. I'll just tell you that fortunately you do not have your father's nose.
It is my dear hope that while you are reading this, you are living with Sirius. When you were born, it was difficult to see who loved you more, James or Sirius. He will look after you well.
However, if our plans have gone wrong and you are living with my sister, then I am so sorry. I know how much she hates magic and Vernon even more so. Don't let them get to you though, Harry. There will always be people who love and care about you. Remember that I will always be there with you.
I love you with all my heart.
Your mum
Harry continued staring at the precious letter, tears flowing freely but silently down his face. The first ones he had let fall in a long time. He faintly heard the door open, but ignored it until he felt two people sit down on either side of him.
He looked up, and Sev...no, his father, put his arm around his shoulders. For the first time ever, he didn't shy away, but leant into the hug, tears streaming down his face.
The three of them sat there for a long time, until Harry's sobs faded.
Severus tried to lighten the mood, "I guess that you read the letter then."
This made Harry give a tiny smile, but they all jumped as they heard a knock on Harry's door, and Dumbledore walked in. He smiled as he saw them, and they got up together to go to the Great Hall.
Both Harry and Severus were quiet at breakfast as both wondered what would happen now.
After breakfast, Dumbledore gestured to them and the four made their way to his office. As they sat down, Dumbledore started.
"You have both obviously read your letters." He started, and Draco looked curiously at his newest friend and godfather. He knew something was going on, but he didn't know what.
Severus noticed Draco's expression and said, "Harry and I have received letters from Harry's mum, Lily, through Professor Dumbledore. In it, she explained that I am Harry's father, not James Potter."
Draco stared at them all in disbelief, and Harry gave a small smile. He himself could hardly believe it, and was scared with what would happen now.
As if he knew what Harry, and probably Severus, was thinking, Dumbledore continued. "Now we have to think about what will happen next. As you know Harry, your appearance will change until you no longer look anything like James Potter. You have three choices of what to do. You can either stay as Harry and announce that you are Severus' son, change your identity and announce that you are Severus' son, or we can use a weaker charm to make you look as you did, and keep it quiet that you are Severus' son. Personally, I think that the safest option is the third one, but the decision is up to you."
Harry looked down and thought at it. With the first two options, he would lose most of his friends and Severus would be in danger from Voldemort. Severus had already told him that the children of Deatheaters got marked on their 17th birthday, or as close to that as possible. Those who refused to let their children be marked were killed. The third option seemed the best, and when he voiced his opinion, the other three seemed to agree with him.
"Well then, I will have to put on these charms every two weeks." Dumbledore stated. "When school starts up again, I think you should keep your room in Severus' quarters, in case you need to get away from Gryffindor Tower."
Severus and Harry nodded. Draco, Severus and Harry needed to talk about this alone, so Dumbledore wished them a good day, as they left.
"Harry, Draco, I know that this is a lot to take in. You can both always come to me to talk, and you are always welcome here." Severus said.
At this, Draco turned to Harry and exclaimed, "This is brilliant Harry. We're kind of brothers now. I always wanted a brother, it got lonely by myself."
Smiling at these statements, Harry thought about how he had spent his life being lonely. With two simple letters, he had gone from that to having a father and a brother.
The group spent the rest of the day talking together. Severus told them stories about Lily. What she had been like with her fiery temper, and what kind of things she had liked. He realised how much Harry was like Lily.
That night, Harry was woken by an intense pain from his scar, and the knowledge that what he had seen had been a vision.
There had been a dark room full of deatheaters. Voldemort could smell their fear, and it excited him. He heard reports from each of the deatheaters present, until he turned to the last in the circle and asked, "Severus, have you managed to produce all the potions I have asked of you?"
Harry felt a jolt as he looked at his father in the black robes and white mask of a deatheater. To know he was a spy was one thing, but to actually see him made it so much more real.
"My Lord, I am sorry that I have not. That bumbling old fool has been keeping me busy. I believe that he is starting to suspect that I am not working for him."
"I think that you are starting to become lax Severus." Voldemort said in a dangerously low hiss. "This is your punishment for your failures."
With that, Harry had to watch his father being put under the cruciatus curse for an incredibly long time. That had been what caused the agonising pain in his scar, and made him wake up.
Harry jumped up and pounded on Draco's door. Almost instantly, Draco opened the door.
"He's at a meeting ad hurt, isn't he." Was all he said, and Harry nodded numbly.
Draco led him to Dumbledore's office, and knocked on the door before entering. Dumbledore was sat in his chair by the desk, but looked up as the two boys entered.
"Professor," Harry began shakily as the Headmaster indicated to the seats opposite, and they sat down. "I saw the meeting. Voldemort asked dad if he had the potions ready, and when he said he didn't, he was put under the cruciatus curse for so long. That's when I woke up."
"Let's go and wait for his return." Dumbledore answered calmly, and led the two distraught teens out to just beyond the wards.
Ten minutes later, Severus appeared in front of them, and the boys rushed forward to stop him from falling. He was exhausted, with cuts all over his body, and he was trembling from the after-effects of the unforgivable curse, which he had been under.
"Get him to the hospital wing." Dumbledore ordered swiftly, the twinkle no longer in his eyes.
Between the two of them, they managed to half-drag half-carry the man to the hospital wing, as Dumbledore went to fetch Madam Pomfrey, who was there almost immediately.
As she got to work, the two boys watched her, fear evident of their faces. Dumbledore stood beside them, and the group held vigil over the man who was being looked over by the nurse.
Half an hour later, she turned to them, looking close to collapse and said, "He'll be ok, but he'll have to stay here for a few days."
Now knowing what would happen, Dumbledore took the boys back to their quarters and gave them the Dreamless Sleep potions that Madam Pomfrey had slipped him. The two deserved to have an undisturbed sleep. They were going to need it to face the challenges that were to come.


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How Chemistry Fuels the Body to Run
Usain Bolt, the Jamaican sprinter who competed in the 2012 London Olympics, is widely known as the fastest man ever. Bolt is the first man in history to hold both the world records for the 100 meter and 200 meter sprint. Running 100 meters in 9.58 seconds and 200 meters in 19.19 seconds required that he be able to produce and effectively use ample energy to support the strain he puts on all of the systems of his body.
Energy is derived from the food we put into our bodies and the oxygen we breathe. The food is chemically changed and metabolized at the cellular level (aerobically—with oxygen, anaerobically—without), which means it goes through processes that eventually convert it to ATP (adenosine triphosphate). ATP is the source of energy that gives Bolt and other athletes the ability to do amazing things.
Learn the basics of how chemistry fuels running or read the more technical details.
Articles by Josh Sewell.


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Jimmy Garoppolo Net Worth
Jimmy Garoppolo net worth: Jimmy Garoppolo is an American professional football player who has a net worth of $1 million. Jimmy Garoppolo was born in Arlington Heights, Illinois in November 1991. Garoppolo is a quarterback who played his college football at Eastern Illinois University. He was named to the All-Ohio Valley Conference Team in 2010, the All-OVC 2nd Team in 2012, and the All-OVC 1st team in 2013. Garoppolo was the Ohio Valley Conference Player of the Year in 2013 and was named the CFPA National FCS Quarterback of the Year as well. In 2013 he won the Walter Payton Man of the Year Award. Garoppolo was drafted #62 by the New England Patriots in the 2014 NFL Draft. Garoppolo is the backup quarterback to Tom Brady and played in six games in 2014 after Brady sat down due to big leads. He won an AFC Championship with the Patriots in 2014.


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Formed in early 2015, The Post Romantics have set out to make music to that they love. "We've spent a long time figuring out what it is we wanted to do but in essence, we just want to write music that is honest."
Influenced, in most parts, by literature, cinema and the dismay of modern love, The Post Romantics have created this classic indie pop aesthetic unhinged by a blunt dark lyrical content and gritty guitar that that will make you feel suspended somewhere between transfixed and euphoric, but never quite able to put a finger on it.
In a sentence; If Carlsberg did bands, they'd probably be The Post Romantics.


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Aug 08 2013
Security Development Lifecycle Training
Last year we tried to outsource our classroom-based training (CBT) for our SDL effort to a third party…that didn't go so well. I don't want to mention the name of the company we used but we were disappointed enough with the first round of the training and we decided to go our own route. To that end I was tasked with creating the content for the training…and I have been heads down most of the time this year working on several classes:
- Threat Modeling
- Secure Coding in C and C++
- Secure Coding C#
The Threat Modeling class has been completed (although it could stand to be updated and cleaned up a bit). The Secure Coding in C and C++ class was completed but the feedback I got from my second group of attendees was that they're doing development on the ARM processor platform and they wanted to see the exploits in the hands-on lab exercises on that platform. The Secure Coding in C# is still being built out.
The good news is that I have been able to get a Debian Linux image built (with a GUI interface) for the Secure Coding in C and C++ class using the QEMU ARM emulator. The next step is to setup the networking so that I can pull additional packages into the image and build out a complete development environment. This has been driving me crazy for the past couple of months because the installer for the image and the QEMU disk image were constantly giving me problems. Today was a "Good" day…


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Discussion in 'Life After Brown' started by toonertoo, Apr 3, 2015.
Have any of you received a Identity quiz confirmation from the ohio department of taxation?
I failed
Not yet. What is it?
Its a way of trying to reduce fraud. They must use a credit report to do it. I know on my credit report it has one of my known addresses as My sons house in another state. You get 4 questions, and if you miss two, you get one more chance then it is on to another website to try again. Two of my four questions were answering my street address in that other state, and the state, so i had to wing it, but I guessed right, LOL..I never lived there.
Separate names with a comma.


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This guy I was dating started the "slow fade" after a really intense couple of weeks. When I sent him a message, after not hearing from him for a few days, basically saying good bye, he responded that he wasn't through with us yet, and needed to process what he was feeling. I gave him space, but after not hearing from him for another 10 days, assumed he was never coming back and made steps to move on with my life. I think this hurt him. He eventually texted, after about 2.5 weeks, but was very distant and was again giving me the silent treatment/cold shoulder. Once he reached out initially, I would initiate text maybe once a day, but nothing serious and he generally didn't respond. I texted him about missing him, and then we got into an argument, and then he stopped responding (again), in the middle of a heated discussion, so I sent him one last text saying basically that I gave up and I wouldn't contact him again, because it hurt too much. There was a lot of anger, at least on my part, when I sent the last text.
Do you think he'll call me after I told him I wouldn't contact him anymore due to him giving me the silent treatment?
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Probably not in honesty..
Have you met often? Too much drama too it10|10|0
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54.598494, -5.952049
ME Support Northern Ireland
5-7 Conway Mill
Conway Street
United Kingdom
Contact Details
Antoinette Christie
Opening Hours
ME Support NI is a Charity which provides information, support and practical advice for people (including children), families and carers affected by M.E (Myalgic Encephalomyelitis).
We aim to improve the lived experience of those children, young people and adults affected by this devastating neurological illness by lobbying for services which are underpinned by expert knowledge and an understanding of M.E.
WHAT WE DO? We run monthly support group meetings to provide clients with help, advice and emotional support. At our meetings we often have specialist speakers, speaking on various topics related to health improvement, benefits advice etc. Each year we have hold a Christmas dinner for members, paid by the charity. We also raise awareness about the condition by participating in events in schools, Disability Action Exhibition, Rare Disease Partnership to name but a few. We also continue to lobby both Government and the Department of Health in NI on ME.
We receive no funding from Government and depend on the generosity of individuals to raise the funds necessary to continue our service. To date this support has been exceptional and has allowed us to continue with our work. Thank you everyone for your ongoing support and interest.
SectorsCarers Disability
ME Support NI meet on the first Tuesday of every month. We offer support for sufferers and their carers.
Meets the first Tuesday of every month at 7pm, please contact us if you wish to attend
The meetings are fairly informal (some meetings have guest speakers), feel free to pop in for a chat and support from other sufferers/carers.


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Quake the Lake races: Powerboats will cut through Detroit Lakes June 16-17
Race registration takes place at the race site on the days of the races. There is a long course and a short course for the boat racing.
Last year was the first year the event was on the beach on Big Detroit Lake. In previous years, it had been on the beach near Zorbaz.
Last year's races featured several different classes of boats and professional drivers from several states.
Quake the Lake always features a wide variety of racing boats. Some past boats have included: GT Pro, Formula, VP Boats, Sports C, SSP 60, and 120 Formula 1 Racers.
The event is free to the public, but participants must pay a fee to race.
For more information, contact Ross Rolvoshem at 701-739-1947.


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Mayhem in Manchester – Foxes Stunned by Devils
We sent 100%LCFC Fan reporter SCOTT DAVIES to Old Trafford, but we bet he wishes he hadnt gone ! Here is Scotts honest view from the stands….
In this fixture last season, the Foxes visited Old Trafford where a win would have clinched the Premier League title. A decent draw was played out at 1-1 and City were crowned Champions the following day as Spurs failed to win at Chelsea and the rest is history.
City were travelling to Manchester off the back of a 4-2 defeat to Chelsea in the EFL cup, that said, it was a much changed team to that one that featured at the King Power Stadium. United in contrast had suffered a bit of a blip of two league losses in a row, but they did manage to overcome Northampton Town on Wednesday also in the EFL cup.
Zieler once again featured in goal after Schmeichel picked up a muscle injury in the week. The German goalkeeper spent part of his youth career at Old Trafford and a picture emerged in midweek of him and a young Danny Drinkwater lining up in the United colours, however the Foxes stopper never quite made the first team. Slimani was once again preferred over Shinji Okazaki as a strike partner for Jamie Vardy.
Rooney was dropped from the Manchester United starting line-up after coming under pressure of late.
The Foxes fans travelled in great numbers and they were in fine form with a huge repertoire of songs. The United crowd in comparison were very quiet, with the odd chant of 'United' which was often deafened out by the City faithful. Leicester started the game well and looked lively in the first 15-20 minutes, however a lapse in concentration on 22 minutes from a Daley Blind corner allowed Chris Smalling to tower above Huth and Fuchs and power his header past Zieler who almost kept the shot out. Questionable as to why no defenders were placed on the posts.
City then had to soak up a spell of pressure where Marcus Rashford, Zlatan Ibrahimovic and Paul Pogba all had chances to double the lead. The latter forcing a fine save from Zieler who had to palm away a fierce shot from the £89m man.
What happened then was period of madness for the Foxes. Between the 37th minute to the 42nd minute, the defence fell apart and Manchester United put the game out of sight with 3 quick fire goals to make it 4-0 at half time. I am not even going to try to sit and decipher what happened. The defence capitulated and City were shellshocked going into half time.
Claudio Ranieri recognised the game had gone and he pulled Vardy and Mahrez off with eyes now firmly fixed on the visit of Porto on Tuesday. Vardy was definitely taken off to be rested, but you could argue Mahrez was taken off as he was quite simply poor. Andy King and Damarai Gray replaced them.
All the Italian could ask for was a better performance in the second half, defensively at least and in fairness, he got a decent performance from his men. Damarai Gray gave the Foxes something to cheer about on 60 minutes with a contender for Goal of the Month. The youngster has been growing impatient of late, tweeting as much after the 4-1 defeat versus Liverpool 2 weeks ago.
Andy King went close soon after, but the Welshman drove his shot straight at De Gea and again Gray tested the United keeper who had to claw away a cross-come-shot from the City substitute. The game played out at 4-1 making it a miserable time on our travels this season (bar Brugge) losing all 3 games on the road.
A mad 5-10 minutes cost City dearly today.
Man of the Match – Damarai Gray
Watch the Match Highlights here…


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About Saltwater Grill
The Saltwater Grill is located just steps away from The Grand 1894 Opera House. Featuring an array of tantalizing fresh-from-the-grill and fresh-from-the-kettle seafood specialties, Saltwater Grill is in a class of its own when it comes to quality and attention to detail.
Saltwater Grill was just named Galveston's 2016 Restaurant of the Year. Thanks to everyone who voted!
Galveston, TX 77550
Dining Style:
Casual Dining
Seafood, Steak
Hours of Operation:
Lunch: Monday - Friday: 11:00am - 2:00pm; Dinner: Sunday - Thursday: 5:00pm - 9:00pm, Friday: 5:00pm - 10:00pm, Saturday: 4:00pm - 10:00pm
Cross Street:
21st Street
Dress Code:
Business Casual
Price Range:
$30 and under
Payment Options
AMEX, Diners Club, MasterCard, Visa
Phone Number:
(409) 762-3474
The Saltwater Grill has a full catering department with many locations around town to choose from.
Parking Details:
The Saltwater Grill provides its own private, covered lot behind the restaurant.
Executive Chef:
Chris Lopez
Private Party Facilities:
Large parties are always welcome. We have a private room available for up to 16 people with other quiet areas in the restaurant available for larger groups.
Private Party Contact:
Danny Hart: (409) 762-3474
Banquet, Bar/Lounge, Beer, BYO Wine, Corkage Fee, Counter Seating, Full Bar, Happy Hour, Private Room, Wheelchair Access, Wine
Saltwater Grill Ratings and Reviews
My friend had the Redfish Pontchartrain which he said was excellent. I had the crawfish etouffe that I have had many times before at thie restaurant - very sub par - over cooked and thick and tasteless - obviously been in the kettle too long. I can do much better that this at home. Very disappointing. Try to keep it fresh.
We went for Restaurant Week, hoping to have the delicious cuisine for a better price. The meal we ended up choosing was from the regular menu as it was a better value, $26 instead of $34, for almost the same thing as the special. We split crab cakes for an appetizer, I love your crabcakes! Then we both had blackened redfish w/Ponchatrain topping. It was delicious! Our server was attentive and we timed it so there wasnt a crowd or unruly children. I will be back, I always recommend Saltwater Grill to my Airbnb guests and friends, saying the food is delish, the place is rather pricey and usually very noisy!
It was restaurant week, and Saltwater's menu reflected their regular offerings. The coconut shrimp were the best I have ever had, and my husband's red snapper was also delicious. Nice presentation of the salad as well as the entrees. Everything was just lovely.
First night of Restaurant week and I had their speciality pot stickers. Red Fish Ponchitrain, and Bread pudding and my wive their house salad, Coconut Curry Shrimp with Asian vegetables, and bread pudding...all for $25 each. Portions were ample and all wonderful. Pleasant atmosphere and service...restaurant packed!
Came in on a cold rainy Saturday night. The restaurant wasn't packed, and we had no trouble getting a table. Ambience and decor were adequate for the price point. Ordered the Bouillabaisse and the Redfish Ponchartrain. Both were delicious. Id say it's some the best seafood dishes I have tried in Texas.
Although, our server was not as accomplished as she should have been, although, my main complaint may not have been her fault. I ordered baked oysters, my dinner companions ordered shrimp and fish. My oysters were brought out 5-10 minutes before the other plates. I tried to wait to eat my oysters thinking that the other plates would arrive soon, but, they didn't. I was finished with my meal before my companions received theirs.
And, the noise level was so bad, that we couldn't carry on any dinner conversation without raising our voices, which, we decided not to do, because, we would be adding to the noise.
I will probably not return, even though the food was acceptable, the conditions weren't.
My boyfriend and I dined there for the first time a couple of days ago and was impressed with the food and atmosphere. It was a Tuesday night during off season so it was really quiet, only a couple of tables were seated, so I don't know what the atmosphere will be like during peak season but I will definitely go back. The food was really really good.
Nice time in Saltwater Grill. Had a dozen of fresh oysters ( ice cold) and then had our entrees . I had scallops and shrimp and my date had fish. Arron our waiter was wonderful and would definitely have him serve us again. The food was wonderful and we both drank the house wine which was good.
Our family went for lunch before the Nutcracker at the Grand, which is across the street. We started with several appetizers, such as, the potato soup, lobster bisque & lobster spring rolls, all were good portions, with everyone loving each dish, but be aware the lobster rolls are spicy. Next was the main course consisting of filet mignon, ribeye , redfish and salmon, all the meals exceeded expectations. Our family recommends the Saltwater Grill for a modern take on the classics.
To me the restaurant was too crowded, too many tables to close together. There was too much noise and conversation was difficult. We went there for the seafood, and it was "O.K.", nothing special. Service was not so great. We have to wait several times for our waitress to get service.
As expected, the restaurant was crowded with guests headed across the stree for the Willie Nelson concert. Food quality is never disappointing.....crab cakes are my go to.... yum!!!!
My daughter had salmon....loved it. Everything is beautifully presented.
My Martini was under whelming ...
But we make it to the show on time !
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Recent Members
Military Alumni
Honoring Our Heroes
This area is dedicated to our alumni that have served or are serving in our armed forces!
Lost Class Rings
Have you lost your Rochelle Township High School class ring? Have you found someone's class ring? Visit our Hubs lost class ring page to search for your class ring or post information about a found ring.
Honored Military Alumni
Bob C. Hookham Class of 1977
Marine Corps, 4 Years MCRD San Deigo NAS Memphis MCAS(H) Futenma Japan MCAS Cherry Pt NC
Brian Moore Class of 1998
Navy, 9 Years After enlistment, received Commission at Officer Candidate School. Assigned to Electronic Attack Squadron 137. Deployed to the Persian Gulf on USS Enterprise.
Charles (Chuck) Carlson Class of 1967
Army, 20+ Years Drafted in 1969. Served a Total 38 Years, 30 Years Active Duty, retired 2007 as a Chief Warrant Officer Four, Logistics and Property Book Officer. Combat tours in Viet Nam and Iraq. 17 of the last 20 years was assigned to a Army Engineer Bde.
Charles Maris Class of 1967
Army, 20+ Years 33yrs as an Army Surgeon; rank COL; current assignment - Deputy Command Surgeon, US Army Human Resources Command - St. Louis.
Charles Maris Class of 1967
Army, 20+ Years 33yrs as an Army Surgeon; rank COL; current assignment - Deputy Command Surgeon, US Army Human Resources Command - St. Louis.
Cindy Smith Class of 1986
Air Force, 19 Years Still serving on active duty and looking forward to retiring in the next few months. Looking forward to starting a new career that will keep me closer to home
Cindy Willrich Class of 1986
Air Force, 20+ Years Supply - US Air Force 6 Years Edwards AFB, CA 4.5 Years Eielson AFB, AK 10 Years Nellis AFB, NV 2 Deployments ( Saudi Arabia & Kuwait)
Dale G. Trowbridge Class of 1959
Navy, 4 Years !961-1965 Navy Corpman in Philline Ilsand
David Tess Class of 1998
Air Force, 3 Years Operations engineer for 452 Flight Test Squadron at Edwards AFB, CA. Flight test of unmanned aerial vehicles.
Douglas Wolff Class of 1985
Air Force, 17 Years Joined the Reserves in 1987 in CO. Transfered to March ARB, CA in 1990. Served in Op DESERT SHIELD/STORM. Transfered back to CO in 2000 (Op IRAQI FREEDOM). Retired in 2004 due to a back injury fighting forest fires in Idaho.
Dwight Davison Class of 1969
Navy, 20+ Years After graduating from the Naval Academy I served on nuclear submarines for about 10 years. I left active duty while assigned to the Pentagon and stayed in the Naval Reserves until I retired in 1994.
Eleanor Fiser (Schick) Class of 1988
Navy, 10 Years I served on the Uss Simon Lake and USS Holland, also Naval Special Warfare Group 2 in Little Creek Virginia and last NMCB-74 Seabees in Gulfport MS. I have been to Korea, Guam, Scotland and is a shellback.
Galen Richardson Class of 1972
Army, 20+ Years i was trained as a combat medic, but never seen any, other than dodging our own artillary on the DMZ in korea, i was also assigned to a air ambulance company and got to fly in hueys for awhile, acheived the rank of staff sergent and retired in 1992
Gary E. johnson Class of 1966
Army, 20+ Years Served 1969 to 1975 and 1981 ro 2001. Retired as a Master Sergeant(E-8)
Gary E. Johnson Class of 1966
Army, 20+ Years Retired E-8. Served in Vietnam in1970- 71
Gary E. Johnson Class of 1966
Army, 20+ Years Served in Vietnam 70-71, 101st Abn Division. Retired as a Master Sergeant/E-8 with 26 years service
Gerald C. Gerace Class of 1972
Air Force, 20+ Years Served in Japan, Korea, Thailand, Phillipines, Turkey, Germany, Hawaii, Guam, and various other locations. Major Gerace retired from active duty in 1998.
Gregory Schmidt Class of 2004
Air Force, 2 Years I am Stationed at McGuire AFB in NJ. I have been over in Iraq at Balad AB I was there for four and a half months.
Gregory Schmidt Class of 2004
Air Force, 3 Years Serverd At Mcguire AFB NJ And Balad AB Iraq
H. W. Wetzel Jr. (Corky) Class of 1963
Army, 2 Years Stationed in Erzurum, Turkey 1968 - 1970 Army Engineers
Classmates Spotlight
Linda Byrd
Alumni Stories
Read and submit stories about our classmates from Rochelle Township High School, post achievements and news about our alumni, and post photos of our fellow Hubs.
School News
Dr. James A. Bohart, Sr. was awarded the Georgia American Choral Directors Association Lifetime Achievement Award on Jun...


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Download Radio Zindagi: Hindi Radio USA apk 2.4 free for Android smartphone
Posted by AAA Broadcasting LLC in Music & Audio | April 25, 2016 | 33 Comments
Apk file size: 563.0 KB
Hindi Radio Station in the Unites States of America
With the punch line "Jiye Jaaa!" we are a 24X7 South Asian Bollywood entertainment radio channel available in the below cities:
San Francisco Bay Area on 1550 AM
Virginia, Washington D.C and Maryland on 950 AM
New York and New Jersey NJ 100.7FM & 104.7 FM
America's first ever pure Bollywood entertainment channel!
Can also be heard on www.radiozindagi.com via internet and now download this app and stay connected to bollywood – on the go!
We play regional language programs on the weekends like Telugu, Tamil, Kannada etc!
Tune in and be entertained and enlightened whether at home, or in your car or at work. There is something for everyone on Radio Zindagi, including latest Bollywood music, most memorable songs, filmy gossip, biographies of stars, latest news, women's hour, talk shows, Crockery Show, Beauty Hour, Retro, Astrology, Real estate show, Financial show, in-language shows Punjabi, Telugu, Tamil, Gujarati, Bengali and much more.
Download the app and starting enjoying!
Whats new
-fixed sound bug and update audio stream urls
AAA Broadcasting LLC part of our Music & Audio and have average installs from 10000 to 50000. Last Update April 25, 2016. Google play rating is 76.3855. Current verison is 2.4. Actual size 563.0 KB.
Similar applications
Gaana: Bollywood Music & Radio681988 Comments
33 Comments
Brijal Soni
Needs Improvement There is no way to turn off the app?? I have to force stop it each time. Sometimes it gets left on it starts blaring with Reva Kumar ads at random times... Yikes!!
Veeraraghavan Vaidyanathan
There is no effective switch off cntrol I had to stop the apps. forcibly. Can u not design a off & on button ,so that it can be user friendly.
Ami Modi
No sound for other cities Has happened in the past too. The sound is available only for SF station, not for DC or NJ. I have Google Nexus and off late it has stopped working. Uninstalled and reinstalled, still no change
Abhay Kulkarni
Full ads only bakwaas I ain't spending my 4g data to listen to ads only. Of the 45 minutes i listened, there was no program at all. The programs on their NJ radio do not sync with the app and thre is no continuity in the programs most times. The app itself is quite ho hum with looks like a psychic ad than a radio station
Jaspreet Singh
No sound Sprint Note II on 4.1.2. Sounds works for Google Music, rdio, etc. Seems like it only seems to work on WiFI and 4G. A bold assumption that people have 4G.
Aakash Panchal
AWESOME Videsh me desh aa gaya thanks guys :)
Chandrashekhar Vispute
Feel like being in India I am so excited about this app. I have been searching a live radio with RJs and this is it... I love to listen their RJs especially from SFO!!! Great job RZ team!!!
Nitin Pokhriyal
Pathatic Never worked on my htc phone..
Awesome Very nice collection of songs can b heard. Good quality of sound too.
Naanu Satpathy
Great music! Lovely to hear Bollywood songs so far away from home.
Debbie Divs
Super awesome!!! Exactly wat I was looking for! Live RJ and awesome music played..loving it!
Lovely music and App Love listening to live RJs specially Red Rose...Chitra's sexy voice...keep it up RZ. Too many ads though.
A Google User
SOUND BLAST AT MAXIMUM MY BRAINS JUST BLEW OUT!! please kindly fix this!
A Google User
Too many adds If I wanna keep listening to adds my city has a desi radio station
A Google User
i loveee you super happpy .. lovee chalti ka naam gaddi .. i loveeeeeee this appp xxxxxxxxx
ashish daga
Good real radio But only Bay Area folks can enjoy those repetitive ads..
A Google User
Doesn't work. The play link didn't work. Even after multiple tries. The center sign asks the users to click on ads! Deceptive and crooked.
A Google User
Good Its good overall but whenever I turn it on the volume is on the highest when I didnt even do it like that! My ears burst every time! Plz fix!!!
A Google User
Excellent Keep it up. Very good radio
mani chy
Not bad Need transferred to sd card.pls fix.Thanks
A Google User
High volume Need to fix bug with volume
A Google User
Live radio, Works great, too many commercials but rest is good.
A Google User
Love it Best of bay area radio
A Google User
Radio zindagi Awesome app It's really cool app that works really well on my samsung android galaxy - S Plus phone. I recomend to all Radio fans.
A Google User
awesome...... 5 stars for this app... enjoying it...
A Google User
Doesn not work on galaxy s 2
A Google User
Very buggy Compare with 1170AM App - that works, yours looks sexy but is very buggy
Praneet Singh
Didn't work. I tried playing the radio, but it froze my phone and I had to restart my phone. Samsung galaxy s4 mini.
Nik B
How to turn off ....hmmm..maybe next app.
Ami Modi
No sound for other cities Has happened in the past too. The sound is available only for SF station, not for DC or NJ. I have Google Nexus and off late it has stopped working. Uninstalled and reinstalled, still no change Off late, most of the time some if the stations do not even work anymore !!
Sangeeta Mathur
Having problem installing the app. It stops on it's own.
Ananya Gupta
Utter garbage, crap UI, no ChromeCast Audio Instead listen to the same radio station in the TuneIn Radio app.
Alok Das
LYF Water 2 Awesome


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With the success of my first contest here at Dorm Room Biz, I have decided to run another contest coming up. I had a couple potential sponsors contact me after the first contest and offer prizes, so you should get excited about this upcoming one. It will offer you all, as young/student entrepreneurs, a great prize that will hopefully help to kick your business up to the next notch!
Along that note, Shoemoney posted a bunch of tips for running successful contests the other day. Many of these I followed, but a couple I hadn't thought about – like what the local laws say about running a contest. Anyway, if you are thinking about running a contest on your blog or website, check out the tips that Jeremy put together!


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The little black dress
The little black dress, first introduced by Coco Chanel and made iconic by Audrey Hepburn in Breakfast at Tiffany's. It is said to be a staple in every woman's closet, and I do agree with that. A simple black dress can be dressed up or down depending on the occassion. This LBD from WalG London is just my style with the draping and the knot detail on the side.Dress – WalG London
Shoes – Dinsko


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