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Exciting news. Our app has a new name – Healthily. Learn more
A large proportion of stillbirths seem to occur in otherwise healthy babies and the cause of some remains unexplained.
However, many stillbirths are linked to placental complications. This means that for some reason the placenta (the organ that links the baby's blood supply to the mother's and nourishes the baby in the womb) is not functioning properly.
A poorly functioning placenta may be the direct cause of the stillbirth, or it may have contributed to the baby's death because the baby's growth and development have been held back.
If there have been problems with the placenta, stillborn babies are usually born perfectly formed - though often small. With more research it is hoped that placental causes may become better understood, leading to better detection of placental problems and better care for these babies.
Other conditions that can cause stillbirth or may be associated with stillbirth include:
Around one in ten stillbirths is caused by an infection. The most common kind of infection is a bacterial infection that travels from the vagina into the womb (uterus). These bacteria include group B Streptococcus, Escherichia coli (E.coli), Klebsiella, Enterococcus, Haemophilus influenza, Chlamydia, and mycoplasma/ureaplasma.
Some bacterial infections - for example, Chlamydia and mycoplasma/ureaplasma, which are sexually transmitted infections - can be prevented using barrier contraception (such as condoms).
Other infections that can cause stillbirths include:
There are also a number of things that may increase your risk of having a stillborn baby, including:
Midwives check the growth and wellbeing of your baby at every antenatal appointment. They use a tape measure to work out the distance from the pubic bone to the top of the uterus (womb). They plot your baby's growth on a chart to ensure he or she is continuing to grow.
Every baby is different and should grow to the size that's normal for him or her. But all babies should continue to grow steadily throughout the pregnancy. Some babies are naturally small, usually because their mothers are small,. If a baby seems to be smaller than it should be, or his or her growth pattern tails off as the pregnancy continues, this is described as 'growth restriction', being 'small for gestational age' or not reaching his or her 'growth potential'..
If a baby does not reach his or her growth potential in the womb this may be because the placenta is not working properly. This increases the risk of stillbirth.
Problems with a baby's growth should be picked up during antenatal appointments. However, it's important to be aware of your baby's movements in order to try to spot any problems as early as possible (see preventing stillbirth for more information about this).
Your baby's wellbeing will be monitored during your antenatal appointments, so any problems will usually be picked up before labour starts.
If it's suspected that your baby may have died, cardiotocography (CTG) or an ultrasound scan will be carried out to check your baby's heartbeat. A doctor will usually be asked to confirm that the baby has died.
Sometimes, after the baby's death has been confirmed, a mother may still feel her baby moving. This can happen when the mother changes position and is called passive movement. In this case the mother may be offered another ultrasound scan.
Finding out your baby has died is devastating. You should be offered support and your options explained to you. If you are alone in hospital, you can ask the staff to contact someone close to you and ask them to come in to be with you.
Read more about getting help after a stillbirth.
If a baby dies before labour starts, the mother is usually offered medication to start labour. This is safer for the mother than having a caesarean section.
If there is no medical reason for the baby to be born straight away, the mother may decide to wait for labour to start naturally. This decision doesn't usually need to be made immediately and it may be possible to go home for a day or two first.
If the mother decides to wait for labour to begin naturally, she will need regular blood tests after 48 hours.
Waiting for labour to begin naturally also increases the chance of the baby deteriorating in the womb. This can affect how the baby looks when he or she is born, and can make it more difficult to find out what caused the death.
If the health of the mother is at risk, labour is nearly always induced using medication. This may been done immediately if:
Labour can be induced by inserting a pessary tablet or gel into the vagina, or by swallowing a tablet. This usually takes some time to work. Most women go home during this time, with an appointment to come back to the hospital 24 to 36 hours later. Sometimes, medication is given through a drip into a vein in the mother's arm.
In a very few cases, a [caesarean section] may be necessary. A caesarean is a surgical procedure to deliver the baby through a cut in the mother's abdomen (tummy).
Not all stillbirths can be prevented. However there are some things which you can do to reduce your risk.
These include:
Some of these are discussed in more detail below.
Obesity is a risk factor for stillbirth.
Obesity is defined as a body mass index (BMI) of over 30. You can check your BMI using the healthy weight calculator. However, if you're pregnant the calculator may not be accurate so you should consult your midwife or doctor instead.
The best way to protect your health and your baby's wellbeing is to lose weight before you become pregnant. By reaching a healthy weight, you cut your risk of all the problems associated with obesity in pregnancy. Your doctor can give you advice about how to lose weight.
If you're obese when you become pregnant, your midwife or doctor can give you advice about improving your health while pregnant.
Eating healthily and activities such as walking and swimming are good for all pregnant women. If you were not active before becoming pregnant, you should consult your midwife or doctor before starting a new exercise programme while you're pregnant.
Read more about [obesity and pregnancy] and [exercise during pregnancy].
You will usually start feeling some movement between weeks 16 and 20 of your pregnancy, although it can be later than this. These movements may be felt as a kick, flutter, swish or roll.
The number of movements tends to increase until 32 weeks of pregnancy and then stay about the same, although the type of movement may change as you get nearer to your due date
You should continue to feel your baby move up to and during labour.
If you notice your baby is moving less than usual or if you have noticed a change in the pattern of movements, it may be the first sign that your baby is unwell and therefore it is essential that you contact your midwife or local maternity unit immediately so that your baby's wellbeing can be assessed.
There is no specific number of movements which is normal. What is important is noticing and telling your midwife about any reduction or change in your baby's normal movements.
Some foods should be avoided during pregnancy. For example, you should not eat some types of fish or cheese, and you should make sure that all meat and poultry is cooked thoroughly.
Read more about the [foods to avoid during pregnancy].
During your antenatal appointments, your midwife or doctor will monitor the development of your baby. They will monitor your baby's growth and position.
You will also be offered tests including blood pressure tests and urine tests. These are used to detect any illnesses or conditions, such as pre-eclampsia, that may cause complications for you or your baby. Any necessary treatment can be provided promptly and efficiently.
Read more about [antenatal care].
A stillbirth can be emotionally traumatic for both the mother and father, as well as other family members, but help and support is available.
Many people experience feelings of guilt or anxiety following the loss of their baby. Some parents suffer from depression or experience post-traumatic stress disorder.
You may find it helpful to discuss your feelings with your doctor, community midwife or health visitor, or with other parents who have lost a baby.
Support groups can also help if you have had a stillbirth.
Sands, the Stillbirth and neonatal death charity, provides support for anyone affected by the death of a baby. The charity runs a helpline, provides information and support literature and funds research into the causes of stillbirth.
Read more about [bereavement] and [dealing with loss].
A stillbirth is a baby born dead after 24 completed weeks of pregnancy.
If the baby dies before 24 completed weeks, it is known as a miscarriage or late fetal loss.
Stillbirth is more common than many people think.
Around two thirds of stillbirths are linked to placental complications. This means that for some reason the placenta (the organ that links the baby's blood supply to the mother's and nourishes the baby in the womb) is not functioning properly.
About ten percent of stillborn babies have some kind of congenital abnormality. A small percentage of stillbirths are caused by problems with the mother's health, for example pre-eclampsia, or other problems including cord accidents and infections.
Read more about causes of stillbirth.
If it's suspected that your baby may have died during your pregnancy, cardiotocography (CTG) or an ultrasound scan can be used to check if your baby's heart has stopped.
If your baby's death is confirmed and there is no immediate risk to your health, you will usually be given time to think about what you want to do next. You may be able to choose whether you would like to wait for labour to begin naturally, or if you want it to be started with medication (induced).
If your health is at risk, the baby may need to be delivered as soon as possible.
It is rare for a stillborn baby to be delivered by [caesarean section].
Read more about how stillbirths happen.
After a stillbirth, many parents want to see and hold their baby. You may also wish to give your baby a name and to create memories by, for example, taking photographs or a lock of hair. It is completely up to you what you want to do.
Finding out why a stillbirth has happened can be helpful if you want to get pregnant in the future, so you will be offered tests to try to find out why your baby died.
You will also be offered an opportunity to discuss having a post mortem examination of your baby. A post mortem will not be done without your consent.
A senior doctor will discuss the results of the post mortem (if you had one) and any other tests in a follow-up appointment several weeks after the birth. You may also want to discuss any possible effects on future pregnancies.
Read more about what happens after a stillbirth.
Stillbirth and late miscarriage can be devastating for the parents of the baby and also affect wider family members, including children and friends.
You may find it helpful to discuss your feelings with your doctor, community midwife or health visitor, or with other parents who have lost a baby.
There are many support groups for bereaved parents and their families. Some of these groups are run by parents who have experienced stillbirth or by healthcare professionals, such as baby loss support workers or specialist midwives.
Read more about stillbirth support and [coping with stillbirth].
Not all stillbirths can be prevented. However there are some things which you can do to reduce your risk of having a stillbirth, such as:
Read more about preventing stillbirth.
After a stillbirth, many parents want to see and hold their baby. This is entirely up to you. You will be given some quiet time with your baby if this is what you want.
You can also take photographs of your baby and collect mementos, such as a lock of hair, foot prints or hand prints, or the blanket that your baby was wrapped in at birth.
If you're not sure whether you want to take any mementos of your baby home, it is usually possible for them to be stored with your hospital records. If your hospital does not keep paper records, you may be given these mementos in a sealed envelope to store at home. This means you will be able to look at them if you ever decide you want to.
You may also want to name your baby. However, not everyone does this and, again, it is up to you.
You may be introduced to a bereavement support officer or a bereavement midwife. They usually work in hospitals or as part of the local council. They can help with any paperwork that needs to be completed and explain choices you can make about your baby's funeral. They will also act as a point of contact for other healthcare professionals.
Read more about support after a stillbirth.
You will be offered tests to find the cause of the stillbirth. You don't need to have these, but the results may help avoid problems in any future pregnancies.
The tests you're offered may include:
More in-depth tests can also be carried out on your baby to try to establish the cause of death or any conditions that might have contributed to your baby's death. This is called a post-mortem.
A post-mortem is an examination of your baby's body and is undertaken by a specialist doctor called a perinatal pathologist. The examination can provide more information about why your baby died, which may be particularly important if you plan to become pregnant in the future.
A post-mortem cannot go ahead without your written consent and you will be asked if you want your baby to have one. The procedure can involve tests such as examining your baby's organs in detail, looking at blood and tissue samples, and carrying out genetic testing to see whether your baby had a genetic disease (a disorder resulting from changes, or mutations, in an individual's DNA).
The healthcare professional who asks for your consent will explain the different options so you can decide whether you want your baby to have a post-mortem and, if you do, which tests you want the perinatal pathologist to carry out.
You will usually have a follow-up appointment to check your health and discuss the results of the tests and post-mortem (if these are carried out) a few weeks after you leave hospital.
This appointment is also a good opportunity to talk with your doctor about possible future pregnancies. For example, you may want to ask about the chances of having another stillbirth and any measures you could take to reduce the risk.
Before attending this appointment, you may find it helpful to write down any questions you have for your doctor.
Important: Our website provides useful information but is not a substitute for medical advice. You should always seek the advice of your doctor when making decisions about your health.


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Our product line is distributed throughout the United States by a large network of agents who offer the most efficient installation and after-sales service. Every item is custom engineered and custom built to meet even the most stringent specification requirements. A variety of special application products are available including car wash applications, ventilated parking garage entrance doors with perforated or fenestrated slats, walk through pass doors and frames within a rolling door, high cycle, heavy duty doors and high wind-load designed doors.
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Brand new Acme Rolling Steel Service doors in a newly constructed warehouse. Hand chain operated and the curtains are primed a really nice tan color.

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[VIDEO] Philthy Rich - "Winning Team"
"Winning Team", lets fans and spectators inside the world of Philthy Rich. It's hard to miss the FOD moniker throughout, on the basketball court, the pool table, the wall and everywhere else a logo could be. Philthy Rich is known in the Bay area and throughout the nation for several of his previous records with Gucci Mane, Rick Ross, 2 Chainz, Migos, Fetty Wap, YG, E-40, Problem and countless other mainstream acts. It's no wonder his name is Philthy Rich.


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The Rain has been renewed for season 2 by Netflix!
Netflix has renewed "The Rain" for a second season, the streaming giant announced Wednesday.
The series is Netflix's first Danish original series. The series will go back into production later this year, with the second season slated to launch in 2019.
"We're really excited to team up with the talented cast and our team of amazing creators for another season," said Kelly Luegenbiehl, vice president of international originals for Netflix. "'The Rain' has a relatable and human story at its core and touches on universal themes everyone can identify with. The fact that season 1 reached audiences all over the world, proves once again that strong stories can transcend borders."
Source: Variety


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- Flexibility: Most people doing an executive MBA course are senior professionals who are continuing their day job whilst studying. Therefore the best EMBAs will have a degree of flexibility that allows you to fit the studying and learning process around your daily life. Check the course details to see if you can choose your hours of study, if it offers weekend and evening classes and if there are any distance-learning options.
In our recent post on executive MBAs, we said not all EMBAs are equal. Just as with any type of degree, the courses that various business schools offer vary wildly in terms of quality, value and usefulness. If you're currently searching for a programme to give yourexecutive career a boost, help you embark on a new career or widen the selection of MBA graduate jobs available to you, you need to pick a course that includes these features:
"I worked through about 2,000 practice questions from Level I through Level III."
— Ken Luce, CFA Vice President, Global Client Group, BlackRock Asset Management Canada Limited Toronto, Ontario, Canada
CFA Exam Myths
Myth: "The item sets are less rigorous than the essays."
The feedback from many Level III candidates is that the item sets were more difficult. In reality, comparing the difficulty of item sets and essays is problematic because they cover different topic areas of the curriculum. In June 2005, the average scores on the essays and item sets were identical.
Myth: "New readings are not tested in the CFA exam during the first year they are in the curriculum. They will be tested in the second year, and you should skip new readings in your studying."
This is absolutely not true. New readings are as likely to be tested the year they are first added to the curriculum as existing readings.
Being a Chartered Financial Analyst may bring honor and recognition from your colleagues and clients, but getting the "CFA" after your name is a long-term endeavor. Certification requires that you pass three six-hour exams that take years to complete and less than half of the candidates last year passed their tests.
If you've already signed up to take the test this June, you've probably already been studying. Lots of companies offer services to help you pass the test, and even more websites dole out advice on how to study. Much of what passes for wisdom in test taking, however, is wrong. Your high school teacher may have encouraged you to find a quiet, uncluttered place to study. According to decades-old research, your high school teacher was wrong. What seems intuitive might actually create more frustration for you on test day.
What if You Fail the CFA Exam?
Some readers thought I was being a little harsh when I advised candidates that they shouldn't expect to pass the CFA exam the first time around. But, sadly, it's a fact that most candidates will fail the Level I exam. The numbers improve slightly as candidates progress, with nearly half of test takers passing Level II, and slightly more than half passing Level III. It can be a real blow to discover you failed, but heading into the exams knowing that you might have to take them more than once will make it easier for you to bounce back.
There's no shame in retaking a level; in fact, some professional CFA instructors and some of the biggest names in the industry didn't pass one or more levels the first time around. In fact, of the 64,007 registrants for the June 2011 Level I exam, 35% were retaking the exam after a previous attempt, according to CFA Institute.
Student Pool
Please feel free to let us know about your views and thoughts. We'll try our level best to provide you with all possible information regarding to educational and career developments.
January 2015


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By Asian Beacon
Near the slope hills of Taman Desa lies a large bungalow located among the large houses own by wealthy families. But this house isn't an ordinary one. It is not inhabited by wealthy occupants but instead is rented by a missionary couple, Rev Justin and Pastor Jac.
The place is not for their own use, but for their ministry. A mission school called Issachar Academy, located in the more affluent part of Kuala Lumpur.
But real miracle is not just in their successful international school but how they managed to acquire the mansion for the school.
Reverend Justin shared his testimony of how they were led by the Lord to get to the place which was way beyond what they could afford.
"It actually goes back to 2012 when we were celebrating our ministry anniversary. So, what happened was, we have invited pastors and friends to come and stay with us. Then one of the pastors at that time prophesied that in the years to come you will set up a mission school. During that time, we were very new to the mission field. So we were surprised and wondered about how God could lead us? In that same year too around the same time my wife had a dream as well. In that dream she saw us driving up a hill and coming to a road. When we got out from the car and we were saying, I wonder what are we doing here, why are we at this bungalow? At that time, we didn't foresee that it could be possible. After all a bungalow in Kuala Lumpur area on top of a hill? That would be very expensive," the Reverend explained.
Pastor Jac added on stating that nothing really happened for a couple of years, so they just carried on their missions as faithfully as they could.
"Fast forward to the year 2018 in February we attended a home church where we met a pastor who was visiting from New Zealand. During the preaching she had an altar call. We didn't go for the altar call, but sat at our places. After she prayed for everyone, she actually marched up to us and said, "Are you all husband and wife?" We said," Yes, we are". "God has a word for you". And then she started prophesying over us. When she prophesied the same line of us starting something new this year. God is going to establish you. You are already good at what you are doing but God is going to change your track and you are going to do something new," Pastor Jac explained.
Justin added that God sent another confirmation to them.
"In early September my wife had another dream about us driving up the hill again towards the bungalow. The same dream of 2012 repeated. By now we were asking ourselves, why are we here in the bungalow. And what is it we are doing?' In that dream it was like we were walking into the place and we were seeing how we set up the mission school inside. It was a place to develop spiritual gifts and the rooms were going to be used as classrooms. That was early September 2018. Soon after the dream, we felt that God was telling us to look for a place. So we started looking out for places, and got somebody as an agent. It must have been hard for the agent, as when he asked what we were looking for, we just told him we were looking for a bungalow on a hill in accordance to the nature of the dream. That was the only clue we had. So we went to see five to six properties which had plenty of pros and cons. But none seemed to fit the description," Justin explained.
Not wanting to give up, and staying faithful to the dream, the couple persisted on to keep searching. So how did God finally reveal to them the perfect place to start it all off?
Find out what happens after this in Miracle Mansion (Part 2)


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With Iraq being such a clusterfuck, it is easy to fall prey to pessimism and despair when it comes to the deteriorating state of women's rights in that country.
One resource for at least prodding our own government to act is the U.S. State Department's Office of Women's Issues. I just sent them largely the same e-mail as I sent to the U.S. Embassy in Baghdad. The Office does have an Iraqi Women's Democracy Initiative. You can e-mail the Office of Women's Issues at firstname.lastname@example.com. Of course, I will post any reply I receive from them.
But if you are interested in helping women through organizations that work directly in Iraq, there is the Organization of Women's Freedom in Iraq (or OWFI). The organization was founded by Yanar Mohammed, who is profiled in this CNN article. There is also a link to a video on CNN's web site about her, though be forewarned that it opens with footage of a 17 year old girl who was stoned to death by an angry mob.
OWFI is a sister organization of MADRE, which has a position paper on "honor killings" here. The organization is very left wing in its politics, which for some might be a turn off. It considers the U.S. invasion of Iraq to be illegal and that:
"US actions have caused a sharp rise in "honor crimes." The US destroyed the Iraqi state, leaving people more reliant on conservative tribal authorities to settle disputes and mete out "justice," including "honor killings." The occupation has empowered extreme social conservatives, who exploited both the power vacuum created by the invasion and a climate of rising poverty, violence, and insecurity to impose a reactionary social agenda, including support for "honor crimes." Although the US is obligated as the occupying power to protect Iraqis' human rights, including the prevention and prosecution of "honor crimes," it has not done so. In fact, the US appointed reactionary leaders who condone "honor crimes" to the Iraqi Governing Council in 2003."
OWFI has five shelters throughout Iraq "to protect women whose lives are threatened by abuse, including women who have been targeted for murder in the name of "honor." If you would like to offer financial support for OWFI's efforts, you can do so here. As I come across any other organizations in Iraq and elsewhere that are dedicated to empowering women in reactionary Muslim countries and combatting "honor killings," I will bring them to your attention in future posts.
Wednesday, May 14, 2008
Helping Iraq's Women
Posted by Tommykey at 10:51 PM
Labels: Fight honor killings
2 comments:
- tina FCD said...
Hi, found this recently...I hope the link works..?
- 10:16 PM, May 15, 2008
- Tommykey said...
Thanks for the link Tina.
As the article goes to show, this is not just a Muslim thing.
It's kind of bizarre because in some cultures, you are expected to marry someone from your village, and with the group in this article, they are expected not to.
- 10:39 PM, May 15, 2008
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130715202722.pjt 7/15/2013 8:27:22pm, right?
So it makes a folder for each recording like that, but every folder I copy to my mac says it was created on Oct 4, 2004, which makes it slightly weird when organizing folders filled with audio files.
Here's a change of subject.Until a week ago, I would have said the R-44 was the best deck I ever owned.Suddenly, after 30 or more recordings, I started getting the "card too slow, press any key" error.I did a lot of reading about it. It seems that the R-44 doesn't support too many cards. But I've never had the problem before. It was easy enough to reformat the card. (16GB Transcend Class 10, I think, but I have 3 different cards I've used and never seen this error. Sandisk 32GB Class 4 & Kingston 16GB Class 10)It was just before the show and I was running for 10 minutes, and saw the error. Had JUST enough time to reformat and roll again.But 5 minutes into the music, the error happens again. THis time I pressed any key and it went away.I figured that was it, but nope: even though the error message never returned, the tape has all kinds of skips throughout. Fucking Ruined.So I tried all my other cards and the same error persists. I can press any key, like it says, but while it makes the error go away, it also makes a recording with skips throughout.What's the solution?
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A major landslide has occurred in Odi, Kolokuma/Opokuma Local Government Area of Bayelsa State, destroying houses in the community.
Community sources said the landslide, believed to have been caused by water erosion, occurred on Sunday and has thrown the community into mourning because of the houses and property that have been destroyed.
Investigations revealed that the Chief Whip of the Bayelsa State House of Assembly, Tonye Emmanuel Isenah, who incidentally hails from the community, has briefed relevant authorities in the state over the incident.
Isenah, during his visit, was said to have been jolted by the level of damage caused by the landslide which has left many people homeless. He called on the federal and state governments, through the federal and state ministries of environment and other relevant government agencies, to come to the aid of the people who have lost property.
A source in the community, who pleaded anonymity, said the saving grace was the landslide did not occur when people were sleeping, as it would have been more disastrous.
"It is one of the many challenges faced by riverine communities. It started at about 7:00 a.m as earth tremor, and two hours later, the ground gave way, causing the houses to collapse. Thank God no life was lost," the source said.
Wenipire Digifa, also from the community, expressed sadness over the incident which he also blamed on water erosion, which is posing a big threat to the community.
Credit: The Sun


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Alicia Keys took to her Instagram to give her followers a look at the tracklist for her upcoming album Girl On Fire. Although the features aren't listed yet, we know she did collaborate with John Legend, Swizz Beatz, Babyface, Pop & Oak, Maxwell and more on the project. Watch the official video for the single "Girl On Fire" here.
Peep the tracklist below.
Update: Added the official tracklist courtesy of iTunes
1. De Novo Adagio (Intro)
2. Brand New Me
3. When It's All Over
4. Listen To Your Heart
5. New Day
6. Girl On Fire (Inferno Version) (feat. Nicki Minaj)
7. Fire We Make (with Maxwell)
8. Tears Always Win
9. Not Even The King
10. That's When I Knew
11. Limitedless
12. One Thing
13. 101


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Did the money run out before the end of the month? You have bills to pay and the salary did not give? It is at these times that many are in doubt and worried. After all, is it better to opt for a personal loan or overdraft? Which one pays more?
To decide which option is best for you, you need to know more about both types of credit. Moreover, one must always think about the interest rates that each one has.
Read on and find out everything you need so you can decide between personal loan or overdraft.
What is overdraft
Overdraft is a form of credit offered by banks to their account holders, but it is not a mandatory service.
Those with credit restriction issues (dirty name) may be denied overdraft requests. The money available on the account (overdraft limit) can be used for any purpose, such as bill payments, transfers and withdrawals. To see the overdraft limit, simply print the bank statement.
The total account balance includes the overdraft limit, which may cause the false feeling of having more money. That way, every time you spend more than you have cash on your checking account, the overdraft limit is used to cover your account, but each time you do, you pay interest. If you use your overdraft frequently, it can hurt your financial situation.
In general, when there are questions about personal loan or overdraft and the person evaluates the interest, they find that the overdraft charges are much higher.
How Overdraft Works
Every credit operation has an interest rate, and with the overdraft would be no different. So that customers can use the service more often, some banks offer overdraft interest free for 10 days, while others simply use the overdraft overnight to have to pay interest.
Moreover, what some customers do not know is that if you exceed the stipulated deadline, you will have to pay retroactive interest, ie from the first day of use of the limit. Let's say you decided to use the zero-rate overdraft for 10 days, believing that by the tenth day you would have money to cover. However, the amount that should be deposited to your account is one day late and you need to use the overdraft for 11 days. When this happens, the interest rate is calculated for the 11 days and not just for the day you overused.
As the interest rate is high, as soon as the money falls into the account, you will have to pay it back, meaning what was benefit ends up being spent. Therefore, the ideal is to escape the overdraft and opt for a cheaper and unsurprising line of credit, such as a personal loan.
If you use overdraft often, count on Good Pra Credit to rearrange your finances!
What is a personal loan?
When a person needs extra money and seeks a financial institution to borrow the amount, what we call a personal loan is realized.
In order to make the loan, the institution generally evaluates the applicant's financial history and whether he is able to repay the loan installments. If the institution finds that the installments may hurt the applicant's monthly income, a new loan offer with a lower amount is usually made.
Before deciding to take out a loan, it is advisable to compare the interest rates and conditions offered to see which one best fits what the person needs.
One of the advantages of the personal loan is that it can be used for any purpose, ie the bank will not evaluate the reason for the request as it does in the financing. Thus, you can make a personal loan in cases such as:
- When you have unbalanced and overdue bills. In this case, the personal loan can be used to pay off the debts and then you repay the loan in small installments that fit your budget;
- Travel: If you want to travel and have not saved money, a good alternative is to opt for a personal loan. Then it will pay everything gradually;
- Renovation: Does Your Home Need Renovation? Some things cannot be delayed, such as a problem with the roof or the power grid, for example. When this happens, a good option is to take out a personal loan so you can reform everything and pay off gradually;
- Health issues: No one can predict when they will fall ill or need more expensive treatment. If this happens to you or someone in your family, a personal loan may be the best way to repay what you need in sight and then gradually repay the loan installments;
- Party: Whether it's celebrating the anniversary or the wedding, having a party is expensive. That way, if you haven't programmed yourself, you probably won't be able to pay everything in cash. A good alternative is to use your personal loan to make your dream celebration come true and pay your costs gradually, according to your budget.
As you might notice, the loan is an alternative to various stages of life and can help you both realize a dream and organize your financial life.
How the loan works
Before releasing the requested money, the finance company makes an assessment of the client's financial situation.
All this is evaluated by the system. Then, if the lender understands that the client is able to borrow the amount requested, she makes a proposal.
In it, there are the installment conditions, as well as the interest rates charged and the final loan amount. If the person accepts, he signs the contract and has the amount released in his bank account.
After that, on the agreed date, the person must pay the installments until the loan is finalized. Before hiring a personal loan it is important to make sure that the installments fit your home budget. Stay tuned!
Is overdraft loan?
The overdraft works as a pre-approved loan that the bank leaves in your account and you can use it in any emergency. The amount of the overdraft varies according to the customer, his monthly income, if his name is clean, among others.
Since the amount is available in your account and you can use it at any time without the bank doing an analysis of your current financial situation, the risks of the customer not paying are greater. Therefore, this type of pre-approved loan has higher interest rates than the personal loan.
Personal Loan or Overdraft
I need urgent money: do I use my personal loan or overdraft? This is a common question of those who need fast credit but don't want to pay dearly for it. As it is approved in advance and is available in the checking account for use at any time, the use of overdraft deserves attention.
Many people end up using this amount as part of their income. The problem is that in addition to not being part of the salary, the person begins to pay interest. When overdraft happens sporadically, it's even easier to balance the situation. However, when usage is monthly, debt can become a real problem and compromise the entire budget.
There are people who go so far as to receive the salary and have to use it to pay the amount of the overdraft too, leaving no money in the bank account. If this happens, the person ends up using the overdraft again. After all, you need to pay the bills of the month and so on, getting more and more indebted. What to do in these cases? One tip is to ask the bank to reduce the amount of the overdraft or even withdraw it from the account to avoid getting you back into debt.
Another tip is to make a personal loan. To do this, start by adding everything you owe, including your overdraft expense. Put everything in your account: from rent, to an overdue bill that needs to be paid. Once this is done, you will know what amount you need to apply for in a personal loan.
Overdraft interest vs. personal loan interest
Overdraft interest is one of the highest in the financial market, second only to credit card interest.
According to a survey on interest rates conducted by the Center for Intelligence and Research of the Paulista School of Consumer Protection Foundation Procon-SP, the average rate of banks surveyed was 6.19% per month.
The percentage of overdraft interest varies among financial institutions and can be up to almost 15% per month (435% per year).
How to get out of overdraft
In order to stop using overdraft, better financial planning is required. Gather your bills, what you spend each month, how much you get, and see how you can cut spending.
All that done, add up your debts and see what the total amount is. If you notice that by reducing expenses you will be able to stop using overdraft, great, just do it and control yourself in the future.
However, if you notice that the amount due on the account is too high and that the spending cut is not enough to cover the overdraft, the tip is to make a personal loan.
Interest rates are lower and you can use the amount to reorganize, but keep in mind that you'll need to ensure that you can pay the monthly installments.
Another way to get out of overdraft is by getting an extra income. To do this, you can find alternative work for your off hours and use the amount you receive to pay off your debts.
How to calculate overdraft interest
Interest on overdraft has varying rates, according to the financial institution. You can access it from the bank's website or direct from the Best Bank.
Customers are charged monthly. If you want to know how much interest is charged per day, just divide the monthly interest rate by the number of days. Let's assume the interest rate is 15% per month and the month is 30 days. 30/15 = 0.5% per day of interest.
How To Calculate Personal Loan Interest
The most practical way to make this account is by using an online Best Bank calculator (click here). Just inform:
- No. of months;
- Monthly interest rate (if any);
- Amount of the installment (the first installment is not considered to be in the act);
- Financed amount (the financed amount does not include the amount of the down payment).
After that, click on "calculate" and you will have the data you need. Now that you have decided between personal loan or overdraft, it is time to compare interest and increase alternatives. Do it on Good For Credit!


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On a journey full of nameless faces
I saw a man with purple laces;
His dark brown brogues, those classic shoes,
Were customised with violet hues.
It's strange, I thought, how this display
Has roused a smile this tiresome day,
For commuting dull and work still duller
How fun to add a splash of colour;
Amidst the greys of city strife
We all should brighten up our life,
And those of others 'round us too,
To bring some cheer when feeling blue.
So with these thoughts within my brain
I paused to catch my homeward train,
And on we travelled to different places:
Me, and the guy with purple laces.
Emma H, age 26, 01/06/2017


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Advanced Diploma of Venues and Events
This qualification is designed to reflect the role of individuals who analyse, diagnose, design and execute judgements across a broad range of technical or management functions and who have a wide range of specialised technical, creative or conceptual skills. They are also responsible for group outcomes. As such the qualification reflects the skills of a senior manager working in a venues and events context.
Job roles
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Production manager.


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Dancing About Architecture- Last Friday Night
I recently attended a concert by Katy Perry at the Xcel Energy Center in St. Paul, Minnesota. On a Friday night (before we go any further, yes, she did play "Last Friday Night (T.G.I.F.)" from Teenage Dream. I hadn't seen her perform live before despite a long-standing level of appreciation for her ability to deliver a quality pop song. Pop music often gets a bad rap from a number of "serious critics," and that is a shame. To create music that has universal appeal is an incredible gift. To do it well is rare. You just need to study and open your ears to hear it. While I do think that Perry's latest record, Witness, is weak, it is a transitional work at best; I admire her overall ability to craft her art.
Katy Perry's show is a colorful riot of over the top fun. Filled with props, dancers, musicians and aerial acrobatics, it is spectacle of the highest order. During the nearly two hour show, Perry was in strong voice as she exuberantly lead a crowd of 12,000 through her impressive array of pop songs. Set design was ever changing and reflected the theme of each tune. Neon lit giant dice were employed during "Roulette," a monster hoop and oversized basketballs were brought out during the recent summer hit "Swish Swish." At one point, she challenged one of the fathers in the audience to a best of three contest, losing to Luis of Mendota 1-0. The focus of the show was the audience. Perry came to deliver positivity and good feelings. After accompanying herself on acoustic concert for a solo rendition of "Thinking of You" while balanced on a replica of the planet Saturn flying above the heads of the audience, Perry provided the most unexpectedly heartfelt moment of the show.
Spotting an attendee in a candy cane dress across the arena, Perry called on her to come to the stage to wish on a falling star that descended to the stage during the song. The "come on down" music from "The Price is Right" filled the room as the lucky selectee made her way. To Perry's great surprise it was a grown woman who arrived in front of her. Perry explained that typically, she picks a little girl and the usual things wished for are unicorns and puppies. While unexpected, tonight would be different. The young woman introduced herself as Kelsy, owner of Bluebird Cakery in Faribault and Mankato. The expected discussion of cupcakes quickly followed. Each baked delicacy was augmented with Perry's squeals of joy. When asked for her wish, Kelsy was quick to mention the employees of her business. Her wish was that every one of them would reach their full potential in life. It was a beautiful and selfless wish. She didn't call for greater success for herself. She wished for success and happiness for others. It was joyful. It encapsulated the beauty of the evening (I actually shot a video of the entire episode, which you can see by clicking here.) A few songs later, the show was over. I left the home of the Minnesota Wild filled with hopeful wonder. Music can do that. Music can challenge us. It can entertain. It can comfort. I wish every day was like a Katy Perry concert.
I got home late from the show. It was nearly midnight. When I return from a concert it is impossible for me to sleep. Music has an amphetamine-like effect on me. To me, it is the most potent drug there is. Many years ago I once came home from a Dave Brubeck show at Orchestra Hall and my wife later swore that I physically levitated a couple inches above the ground afterwards. But I digress… When I get back from a show, I need to wind down from the experience. I must or there are problems. It generally takes a couple of hours and the ritual must be preserved. I do all the usual things. I check my phone, I watch T.V.
On this night (or early morning), I turned on CNN. Former National Security adviser Michael Flynn had been indicted earlier in the day and subsequently plead guilty to charges of lying to the FBI. That is serious stuff. It has consequences. I expected an update on what may have happened during the hours of my musical departure from the world. I got the speculation on what Flynn's plea might mean. I saw the U.S. Senate vote on and pass, in the middle of the night, a tax bill that will affect everyone who lives in this country.
A vote while the nation slumbered. I considered what that meant. I wish every day was like a Katy Perry concert. It's not.
I checked out several corners of the Internet to see what else might be "trending." Sure, it's pretty shallow, but I'm trying to find a lighter distraction to soothe my mind so I can sleep. I find that rapper Joyner Lucas has released a new song and video called "I'm Not Racist." I watch. I am mesmerized by what I see and hear. For those who haven't seen it, it starts with a white middle-aged man wearing a red "Make America Great Again" trucker hat sitting across a table from a younger black man in dreadlocks. The white man starts the rap. He describes a litany of complaints, observations, & stereotypes he attributes to the race of the young man. It is brutal. He talks about difference in culture. He uses ugly, uncomfortable words. He asserts, "I'm not racist" throughout his rant. He finishes saying "But there's two sides to every story, I wish that I knew yours… I wish I knew yours."
Then it is the young man's turn. He starts by showing his distaste for the race he sees across the table as well. He addresses stereotypes. He gives his point of view. It is brutal. He talks about difference in culture. He uses ugly, uncomfortable words. He asserts, "I'm not racist" throughout his rant. He finishes saying "I love you, but I fucking hate you at the same time. I wish we could trade shoes or we could change lives, so we could understand each other more, but that'd take time."
Both men stand face to face. Tension is palpable. Then the extraordinary happens. The white man stretches out his arms. Immediately, so does the black man, and the two embrace. After an extended time, their arms fall and you see their unheard conversation continue. Something has changed. The true conversation has begun.
"I'm not racist, but there's two sides to every story and now you know mine
Can't erase the scars with a bandage
I'm hoping maybe we can come to an understanding
Agreed or disagreed, we could have an understanding."
I am deeply shaken by the song and the video. I am a white, middle class man. As much as I hate to admit it, I know that I am a person of extreme privilege. I have always been. I am aware of how truly, deeply fortunate I am. I don't like it. It is easy for me to say that I don't see difference among people. Of course it is. I'm a white, straight man. It makes me angry. To me, people are like music. I find them intoxicating. I love the differences. I love the quirky personalities. I love the moods. I love the inconsistencies. I love the simple. I love the complex. I love the unique. I love the weird. I love the generic. I love them all. I really do. I love them all. I really do. At least I wish I did every day. I really do. I don't always love other people. I wish every day could be like a Katy Perry concert. It's not.
I am overwhelmed by the sadness I see in how we treat one another. I am sad for the time we waste failing to get to know the music that each of us makes for the world. There are so many different songs to see and meet. So many ways that we each form our own unique and beautiful albums of compositions. So many stories to tell, so much for us to hear. I worry that I am missing hearing them all. I don't want to waste my life in silence. Of all the things I know, I know that Hell is silent. Completely. Silent.
This is why music is so important to us. Yes, it can challenge us. It can reveal that which is previously unknown. From my point of view, this is why the Katy Perry concert was so rewarding. On the surface, the show could be viewed is disposable fluff. A simple distraction to the events of the day. That would be a mistake. The thing that is not easily seen was the sheer amount of effort and hard work put into the production by the artist. Every set piece, from the goofy left shark that she danced with, to the giant telephone used to call her mother all gave evidence of the imagination and level of detail that Perry put into designing her show. It is like the songs themselves. These may be "pop" songs, but they are incredibly well constructed with a level of skill and care that are the trademarks of a master.
There are serious conversations that our society must have on race, and how we treat each other. Like a pop song, it seems very simple. It is not. It is like a Katy Perry song. It may seem like it has an easy, simple surface, but underneath there is an incredible amount of hard work and higher level of skill that will be needed. You just need to study and open your ears to hear it.
I wish every day could be like a Katy Perry concert. It's not. But, I wish it was.
Grabbing My Ears:
The more I listen to this album, the more I like it. My first time through it, I was more in the "Meh" camp. Now, I can't stop listening to it. "Get Out Of Your Way" is just a flat out great song. Sure, Songs of Experience does not represent any new sonic direction for the band in the way that 1991's Achtung Baby did. That's OK. I don't think we can expect that kind of jarring reinvention any longer. What we get with Songs of Experience is a rock solid U2 album. "American Soul" is largely a rework of "Vertigo," but that's also just fine. Who would U2 be if they didn't sound like U2?
The more that this album spins, the more the hooks of the material embed themselves. Play "The Showman (Little More Better)" or "Red Flag Day" first thing in the morning and try to not have them float in your cranium throughout the rest of the day. Go ahead. I dare you. No, to invoke A Christmas Story, I TRIPLE dog-dare you.
Mortality and realization of the shortness of time is the overarching theme of the record. Many of the album lyrics apparently originated from letters written by lead singer Bono Vox to friends and family following a previously unreported serious health issue that occurred at the end of 2016. Following Annie Dillard's advice to "Write as if you were dying" his lyrics evoke a raw honesty that deepens his body of work. Written for his wife, "Landlady" stands out as one of the more heartfelt, romantic songs in the U2 cannon. There is a simple elegant, time worn beauty to the music. Coupled with Bono's Dublin street poetry and voice, it is striking in its intimacy. Songs of Experience is an utter, spectacular triumph.
Christian Scott aTunde Adjuah–Diaspora
Sometimes you just get lucky. Over the summer I was in Cleveland to watch the Minnesota Twins sweep the Cleveland team at Progressive Field, (or "the Jake," as the locals still call it) and to check out the Rock & Roll Hall of Fame. I had a blast. After one particular late night I retired to my hotel room on Euclid Avenue and found myself watching Tavis Smiley on PBS. I really love his show. He has a gift for conducting insightful interviews with fascinating people. They are wonderful, and I generally find myself exposed to artists, ideas and concepts that I hadn't previously encountered. I always learn something. (editor's note: Daniel, understandably, wants our readers to know that this was written before the current allegations against Tavis Smiley were made, and before Mr. Smiley was dismissed from PBS)
That night, Smiley was engrossed in a fantastic conversation with a young man from New Orleans about music. My ears perked up. The man was a jazz trumpeter from New Orleans named Christian Scott aTunde Adjuah. I loved how he talked about music. He spoke in a language that I understood. He talked about freedom. He talked about technology. He articulated with emotion the importance of taking chances. His personality was infectious and engaging. His playing mixes elements of sampling and electronica to create a new way of looking at jazz. He talked about the history of the genre. When asked if his music might be upsetting to jazz purists, he spoke how jazz is all about looking into the future. All the greats from John Coltrane to Miles Davis had similarly overturned previously held notions in order to advance the form, so why not him? I was hooked. Immediately after the conclusion of the program, I downloaded his new Diaspora album. His personality and words might have first caught my attention, but it was his music that completed the picture.
There is an adventurous spirit throughout the album's 11 tracks. "Desire and the Burning Girl" has a late-night urban feel that recalls a middle of the night ride on the subway as Adjuah's strong broad trumpet lines stab through the sonic mist. His playing is emotional and passionate throughout the album and is most notable on the opening title track. He takes a bold, refreshing approach to Jazz and is someone to watch.
a-ha–MTV Unplugged: Summer Solstice
America sadly cast Norwegian band a-ha into the "One Hit Wonder" bin after their 1985 hit (and video) "Take on Me." Fortunately, that is not the case for the rest of the world and this unplugged double album recorded during 2017's Summer Solstice provides the reasons why. After a 35-year career that spanned ten albums, two hiatuses and a number of solo albums, a-ha now recasts their musical history in an acoustic setting to reveal new colours and emotional poingnancy. Stripping away of the electronic "synth-pop" sheen, the sophistication of the compositions can now take center stage.
Highasakite vocalist Ingrid Helene Håvik adds new shades of vocal harmonies to "The Sun Always Shines on TV." She builds a harmony a third above Morton Harkett's peerless vocals on the song's spine-tingling chorus that plays against the simple piano shadings provided by Magne Furuholmen and Pål Waaktaar's acoustic guitar. The song climaxes with full strings and drums to make for one of the very best recordings of the year. In addition to past hits, the band also takes the opportunity to debut new material. Of these, album opener "This Is Our Home" is among the finest offered by the band and sets strong anticipation of what may hopefully come next.
Strings are big parts of "Stay On These Roads" and "Hunting High and Low" and allow the songs to emotionally take flight. Harkett's remarkable five-octave voice is truly a thing of beauty and MTV Unplugged: Summer Solstice gives him an occasion to show that the passing of time has done little to diminish his powerful range.
If you know nothing beyond the aforementioned "Take on Me," I strongly recommend that you give this album a try. You may be surprised at what you have been missing in the intervening years. MTV Unplugged: Summer Solstice is certain to add to the band's over 100 Million worldwide total sales of albums and singles. American audiences would be wise to catch up.
Hells Kitchen rapper Marlon Craft delivers the unexpected Hip-Hop triumph of the year. Kendrick Lamar and Jay-Z are going to get the bigger notice, but it is Craft's deft use of the New York Subway system as a metaphor for the rigged nature of society that sets a new watermark for the genre. His rhymes are inventive, tight and use the album's concept to make insightful points on American Life in 2017. From the intensity of "Marco Made Me Do It" to the dreamlike intro to "Bad Day Music" the beats, musical settings and characters are as varied and diverse as the album's city setting. This is the rare release that aims to change the heart and mind. "The Closing Doors (Interlude)" is the most powerful spoken word piece that you will hear this year. The Tunnel's End is one of the outstanding albums of year and well worth the attention of every serious-minded music enthusiast.
The 1975–DH00278 (Live from The O2, London, 12/16/2016)
The British quartet unexpectedly released this live album on the 1-year anniversary of their performance at South East London's O2 complex. Mixing hits with B-sides, the nearly 2-hour performance gives a solid depiction of the band to both casual and obsessive fans while serving notice of the many changes in how the band has been perceived since their first album release in 2013.
For my part, it is pretty personal. I fell in love immediately with their debut album when it came out. I couldn't stop playing it. It remains in my all-time "Top 10," so I definitely count myself among the more dedicated segment of their audience. When I first saw them play at First Avenue in May of 2014, the audience was filled with more of the "male, Rock driven" crowd that I consider myself part of. It seemed a perfect match.
Later that same year, a return visit by the band was announced, this time in November at the Myth in Maplewood, MN. I bought my ticket and planned on seeing them in a larger venue. I was pleased to realize the expansion of their audience. When a special acoustic performance was announced in the Rotunda at the Mall of America for the morning of the show, I was definitely all in.
When I got there, I was surprised to discover the place filled with an endless swarm of teenage girls. What? Had I missed something? I didn't get the memo. So, there I was. Standing awkwardly in a black leather jacket, surrounded by an audience that I would never have expected. I looked around the Rotunda to see about 7 or 8 guys just like me. We all nervously nodded to one another. What had happened to "our" band? Then I overheard the conversations. They all went something along the lines of "Matty is sooooo hot! Do you think he will take a selfie with me?" Ahh…
This is how it works in the world of music. The teenage crowd had now discovered, and determined, that the indelible melodies emanated from four young men they now deemed attractive. Plus, it sounded edgy and they were British. From the Beatles on, that makes for a deadly combination.
So, things have changed for The 1975 and it has had an effect that is subtly notable on this live recording. Nothing about their music, attitude or approach has changed. What has changed is the sound of a young, very large crowd of girls singing along with each and every word sung throughout the album. I think that is great. That's rock and roll. The men don't know, but the little girls understand. From Frank Sinatra, to the Fab Four, to One Direction, this audience always seems to find quality first. Same as it ever was.
That's The Ticket:
Soul Asylum and Har Mar Superstar-First Avenue December 29, 2017
I love Soul Asylum. I am as big a fan of them now as I was during their huge Grave Dancer's Union era. Last year they released Change of Fortune and it was as good as any album in their catalog. Sure, Dave Pirner may be the only original member from the "classic" line-up, but that hardly matters. Former Prince drummer Michael Bland is the powerhouse hitter behind them on the drums and is the perfect fuel for these songs. I can't even remember how many times I have seen them play First Avenue over the past 30 years, but I sure as hell am not gonna miss this time either. Tickets are only $25, so what's your excuse?
Dave Matthews Band-Xcel Energy Center "The Night Before" Concert February 3, 2018
Superbowl LII is coming to "the Sandcrawler" in Minneapolis the weekend of February 3rd and I had vowed to stay as far away from it as humanly possible. I still maintain that stance. As much as I truly do love my city and as proud of it as I am, I am hesitant to have the entire sports world descend on our urban frozen paradise for the week. It all seems like a massive hassle for my fellow citizens and me. Roads are already underprepared to deal with the traffic levels we currently have without a bunch of visitors gunking it up even further. I am pretty sure we will get one of those end of January, sloppy thaws followed by 16 inches of snow to really slush the whole thing together. That's on the "safe" side. The other possibility puts another "Halloween
Blizzard" in our laps. Yeah, I am a wee bit adamant about some things…
My problem is that I am also a HUGE DMB fan. HUGE. I love going to Alpine Valley to see them play. I think I am up to nearly two dozen times since my first show in 2000. I love the fact that every show is completely different, and the approach they take to their material is different night-to-night and song-to-song. Catch them two nights in a row and you might only have two or three tunes in common between them.
When this concert was announced, I really had no choice. I just flat out didn't. So, I am drawn into the mess of the Superbowl by the lure of Carter Beauford's mastery drumwork. There is no way to really guess what will be played, but I am hoping for the unusual. I am talking about stuff like "Shotgun" or "Little Red Bird." My fear is that, like some past DMB Twin Cities shows, they will keep the focus on "the hits." Most of all, I am hoping that "I Did It" is nowhere near this event. Honestly, I think I would prefer them covering Nickelback's "How You Remind Me" over that. Well, maybe not, but still…
One Last Thing…
I was shocked to hear of the recent death of Smithereens' lead singer Pat DiNizio as I finished this column. A songwriter and performer who simply excelled at punkish power pop, DiNizio was only 62. Songs like "Green Thoughts", "Something New", "Blood and Roses" and of course, "A Girl Like You" were important hallmarks of the late 80's/early 90's. While The Smithereens' may no longer be at the forefront of "the Music Scene," they remain an important part of Generation X's musical chemistry. Billy Joel was right. "Only the Good Die Young."
This article was edited by Rich Larson
Daniel G. Moir is a freelance writer, musician, part-time DJ and baseball enthusiast. Mostly, though, he is among the most passionate music fans and aficionados of our times. He can be contacted at @DMoir5150.
If you like what you've read here, please CONSIDER THIS


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10 Awkward Teens Who Turned Into Hot Celebs
Have you ever looked at your yearbook photo and wondered what in the world you were thinking? Take heart in knowing that you are far from the only person who has ever thought that. The fact of the matter is there are plenty of people who had an ever more awkward childhood than you did and some of those people have turned out to be extremely famous. Check out our list of the 10 awkward teens who turned into hot celebs and feel just a little bit better about what you looked like. Some of the people on this list were starting to show what would later blossom, but they still didn't look quite right. Others made some incredible changes. Tell us what you think.
Nicki Minaj
While the singer and actress looks quite a bit different today than when she appeared in the picture on the left, you can certainly see some of the pop diva's signature attitude coming out even in high school.
Dwayne 'The Rock' Johnson
This wrestler turned actor's yearbook photo wouldn't be all that bad, if not for the 90's high top he has in his picture, along with the ill-fitting suit and super skinny tie. The entire ensemble makes his head look just a bit too big for his body.


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There is something that happens in the midst of a heartbreak, after you've poured and cried and searched with no resolve. You find yourself not only exhausted and worn but humbled.
You get a glimpse of Heaven's perspective of your circumstances. You are quietly reminded to not dwell on them, but to learn from them, to not get stuck in them but to move forward from them and most importantly, that you are never alone through it all.
I breathe this reminder in and am filled with gratitude.
I will stop investigating phone records. I will stop trying to figure out how time spent together might of looked like. I will stop trying to understand the discrepancy between words and actions. I will stop trying to convince or prove, I don't need to. I already know and that knowing is already too much. I don't need to know more nor do I need to listen to one more round of justifications or explainations.
I just won't.
But I will choose to focus on seeing him as my children's father and seeing him as an amazing one, which he is. What is happening between us is not between them. Even though they aware of what is happening, none of us are sure of what will happen next except that it will be forward focused.
We will move forward into healing honest.
Or we won't move.
Honesty is a choice and today I choose it.


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Officially, the Swiss Academy of Sciences meeting in Bern on 20 January was an overview of large-scale computer modelling in neuroscience. Unofficially, it was neuroscientists' first real chance to get answers about researcher's controversial proposal for the Human Brain Project (HBP) — an effort to build a supercomputer simulation that integrates everything known about the human brain, from the structures of ion channels in neural cell membranes up to mechanisms behind conscious decision-making.
Brain researchers are generating 60,000 papers per year, they're all fantastic studies — but all focused on their one little corner: this molecule, this brain region, this function, this map. The HBP would integrate these discoveries, and create models to explore how neural circuits are organized, and how they give rise to behaviour and cognition, among the deepest mysteries in neuroscience. Ultimately, the HBP would even help researchers to grapple with disorders such as Alzheimer's disease.
More information:
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What exactly is Spa Relaxation? The Variances throughout Day Doctor offices, Tresses Spas and Med Spas
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Spa Rest; Day spa's, Frizzy hair spa's and Med Spa's are generally places a man or woman can go to loosen up and be pampered, receive fresh and rejuvenating experience and choose to get more really serious facial together with body treatment options such as semi-medical enhancements such as Botox solutions, laser facials in addition to the like. It can be the destination for a spend several hours or the complete working day to be taken care and attention of, also to be administered to. Locks, face, cosmetic makeup products or entire body therapies, therapeutic massage and many various other treatment options are some of this various sorts of spa care.
Relaxation spa's can contain services from essential rub, stone massage, heavy massage, or reflexology while a few may well even offer acupuncture. The key emphasis of relaxation spa's are to unwind, work out any tight muscles, experience harmony and keep relaxed together with refreshed.
Frizzy hair spas are another soaring form of rest spa's a means for this purchaser to relax inside an environment of tranquility and calm any time their hair is designed, cut, colorful, head massaged, in addition to styled. This differs from a standard hair hair salon where the sound is usually excessive. The purpose regarding an average salon is to be able to move a consumer inside and out speedily consequently that they can populate the chairs. A good unique Hair Spa in Fredericton, New Brunswick, North america, delivers distinctive head massage, assessment regarding hair design and color and a new fashion that will surpasses superb. Best salon's may offer these kinds of however theirs is getting an focus on relaxation in addition to tranquility. Consumers feel the tranquil ambiance instantly together with boast of it's claim to not really only please them with excellent service but they will leave refreshed and equipped to help leave the strain behind. Quite a few hair classrooms will incorporate photo providers too.
Standard health spa therapies can range coming from mins to several hours and the costs can vary by cure to treatment. very soft tunes, quiet lighting, alternative medicine and secure furniture most aid in the restful mode.
Even more complicated health spa treatments may include laser light hair removal, waxing, Botox, skin resurfacing, rosacea treatment options, and crawl vein extraction.
Some regarding the typical Relaxation Spas offer services such since:
Infrared Sauna
Spa Manicure
Spa Pedicure
Activity Pedicure (for him)
Common Facial
Enzyme Skin
Mud Facial
Full Entire body Therapeutic massage
Back Massage
Full Physique Scrub
Half Lower leg Wax
Full Lower-leg Polish
Bikini Wax
Underarm Feel
Brazilian Wax
Provide Wax
Back Wax
Chest Feel
Brow Wax
Superior Lip Polish
Chin Polish
Eyelash Tint
Brow Tint
A few of the services the particular Hair Doctor offices give will be:
Scalp and Head Massage
Womens Custom cut and elegance
Men's Designer cut and elegance
Little ones Hair
pedicure chairs
Ceramic hair straightener w/blow dry
Health spa Colouring
With style
With slice and style
Highlights Cover
Foils per individual foil
Retouch Color
Partisan or Full Permanent Influx
Chemical Straightening Day spa Relaxation remedy options undoubtedly are a much appreciated, expected and welcomed component to be able to our culture of possibilities inside a rushed and anxious culture. Massage Relaxation, no matter if by way of therapeutic massage, facials, hair care, skin area treatments or minor skin area injection therapy is the fresh way of serene residing in a rushed plus anxious lifestyle.


text: February 28, 2020 A ten-manned Oakleigh Cannons FC has extended its unbeaten start to the season, holding South Melbourne to a goalless draw at Jack Edwards Reserve. A first half sending off to Lucas Portelli for a last man challenge on Harry Sawyer reduced the Cannons to ten men and forced rearrangement at the back. As a result, Ryan Paczkowski dropped to fullback while captain Tom Matthews joined Scott Robertson at the heart of defence. Despite dominating possession and frustrating the Cannons, South failed to capitalise on having the extra man. The visitors came close in the 39th minute when Gerry Syliados' low cross found Sawyer inside the six yard box, but last week's hero was unable to finish with his attempt flying over the crossbar. The Cannons grew into the game as the half wore on with Tyson Holmes firing the sides first attempt on target when his header was cleared off the line on the cusp of half time. After a quiet first half, Joe Guest nearly opened the scoring sliding in to meet a low Harry White cross in the 61st minute, only for his attempt to trickle past the post. Hamish Millar then nearly brought the house down with a long range strike in the 70th minute, which even caught the attention of those patiently waiting in the 20 metre souvlaki line. As fatigue began to set in for the ten-manned Cannons, South Melbourne kicked into overdrive in the final ten minutes. Deep into stoppage time South Melbourne thought they had found the break through with Sawyer desperately sliding in at the back post only to put it wide in front of the large contigent of South fans behind the goals. The Cannons are again at home next Friday March 6 against Altona Magic in Round 4. OAKLEIGH CANNONS FC 0 SOUTH MELBOURNE FC 0


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Claremont Lincoln University
This year's theme focuses on one of the most salient issues of our time, applied ethics in the realm of business. The Jain community has a keen interest in this area of study owing to the fact that the ancient tradition has championed ethical business practices for over 3000 years.
Historically Jains avoided trades and business practices that inflicted violence on other forms of life and compromised their supreme vow of Ahimsa (non-violence). This led them to pursue work with stones, as stones are seen to as not having souls, as well as pursing banking and finance. In time this led the Jain community to be prolific diamond merchants, precious stone traders, financiers and investment bankers. While Jains represent less than one percent of India' s population they control as much as twenty percent of the gross national product of the country. Here in the United States you will find practicing Jains among the ranks of the most successful captains of industry in corporations such Cisco Systems, Berkshire Hathaway and Combine International.
Please join us for this two-day conference exploring business ethics in the Jain tradition.
- Prem Jain
- Ingrid Newkirk
- Atul Shah
- Vallabh Bhansali
- DR Mehta
- Manu Shah


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PWPD Seeks Applicants to Its Citizen Police Academy
Submitted by the Prince William Police
Do you wonder what it would be like to be a police officer? How do they make the decisions they make? What does a detective do? How are they trained?
The Citizen Police Academy gives citizens an overview of the Prince William County Police Department. Graduates of the course will have a better understanding of the operation of the Department, and a greater awareness and appreciation of the challenges and decisions faced by Prince William County police officers each day.
This session begins on Wednesday, April 3, and ends on Wednesday, June 5. The 10-week program meets from 6 to 9 p.m., and consists of classroom and hands-on instruction.
Topics to be covered include virtually every aspect of police work including Patrol Operations, Criminal Investigations, Tactical Operations, Crime Scene Management, Professional Standards, and Special Operations. In addition, participants will be given the opportunity to ride a shift with a patrol officer and be familiarized with police equipment including firearms. There are a few slots still available for the upcoming session.
To apply, simply complete the Citizen Police Academy Application Form. Once the application is submitted, a background check is completed and letters are mailed to those who are selected approximately one month prior to the available session. For more information call the Criminal Justice Academy at 703-792-6599
© 2019, Bristow Beat. All rights reserved.
Category: Community


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Attention Parents!
STAAR testing season is here! Below please find the upcoming test dates and some tips for helping your student be successful on the exams.
April 9 – 7th Grade Writing, 8th Grade Math, 9th Grade English I
April 10 – 8th Grade Reading
April 11 – 10th Grade English II
Tips for Success (adapted from study.com)
- Sleep. Because tests are four or five hours long, it's important to be well-rested.
- Eat Right. Eat a balanced breakfast and bring healthy snacks for test day. To keep energy levels up and avoid crashing, don't have too much sugar or caffeine.
- Arrive on Time. Parents, please bring your child to school on time so that they are not stressed from starting the test late.
- Take Breaks. A STAAR test is not a race. It's important that students go at their own paces and take breaks.
- Dress Comfortably. Make sure to dress in layers in clothes that are comfortable for long periods of time.
- Be Confident. A positive attitude goes a long way. Students who stress about tests may want to review this short lesson on how to beat test anxiety.
- Plan a Treat. Give yourself (or your student) something to look forward to. Plan something special – be it a movie, favorite dinner, or other outing – to celebrate when testing is finished.
Students, you still have time to prepare! Please make sure you're completing your software practice (ALEKS, No Red Ink, Khan Academy, HRW, Pearson, etc.) and that you're completing all of the practice material your teacher gives you. You should practice a little bit at home each night to make sure all of the content and skills are fresh on April 9! It's also a good idea to attend tutorials, and the schedule can be found here.
Please see this link for more information!


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Brighten Berry Mask (50 ml)
$26.00 $29.00
- Infused with blueberry, cranberry, organic rosehip seed oil and loads of potent anti aging ingredients, this mask/gentle exfoliator
♥ Retexturizes and smoothes the complexion.
♥ Reduces the look of pores, fine lines.
♥ Boosts collagen production, giving your skin a fresh, smooth, youthful and radiant appearance.
♥ Without aggravation, it polishes your skin effortlessly.
TEXTURE: Creamy, lightweight, easy to apply and wash,mess-free,clay-based mask with Hibiscus flower fiber. Mask does have natural fibers so it great to leave on then use circular motions to slough off dead skin and exfoliate.
SCENT: Fresh, deliciously tangy & energetic, pleasant, uplifting cranberry scent.
SUITABLE FOR: Oily, Combination Skin, Normal Skin, Acne Skin.
*This product contains an alpha hydroxy acid (AHA).
We make every effort to save the environment and avoid unnecessary waste, we do not want to pass the packaging cost to customers, so no cartons are provided for our skin care products.
- Apply a thin layer to clean face, avoid eye area, leave on for 10-15 minutes. It is normal to experience slight tingling as it works to brighten and exfoliate the skin.Use a damp soft cleansing cloth or cotton pad to wipe off or wash off with lukewarm water. Mask does have natural fibers so it great to leave on then use circular motions to slough off dead skin and exfoliate. Follow with your favorite toner and moisturizer.Use once or twice per week. Avoid unprotected sun exposure.This product contains an alpha hydroxy acid (AHA) that may increase your skin's sensitivity to the sun and particularly the possibility of sunburn. Use a sunscreen, wear protective clothing, and limit sun exposure while using this product and for a week afterwards.
Blueberry extract: It's loaded with vitamin A, C, E which work to firm, tighten and smooth skin. Resveratrol, which can help keep acne under control and prevent premature aging. Anthocyanin repairs damaged skin cells and promote the growth of new and healthy cells.
Cranberry extract:Full of anti aging properties which enhance the turnover of cells, shield them against free radicals and slow down the aging process.
Rosehip Seed Oil: Rich in fatty acids and Vitamins A, C, and E. It has anti-inflammatory, anti aging and astringent properties. It is also beneficial in the treatment of acne and acne scars and brightens up your overall dull complexion.
Kaolin Clay: Kaolin clay purifies pores & detoxes skin without drying it or causing any redness or irritation.
Full list of ingredients: Deionized Water, Kaolin, Organic Aloe, Glycolic Acid, Glycerin, Sodium Stearate, Caprylic/Capric Triglyceride, Coco-Caprylate/Caprate, Glyceryl Stearate, Squalane (olive oil based), Organic Coconut Oil,Botanical hyaluronic acid,Tamanu Oil,Organic Rosehip Seed Oil, Organic Jojoba Oil,Grapeseed Oil,Apricot Kernel Oil,Cranberry Seed, Hibiscus Flower Fiber,Vitamin E, CoQ10, Vitamin C, Lime Extract, Organic Green Tea, Apple Fruit Extract,Sugar Cane Extract, Blueberry Extract,Organic Periwinkle Extract, Orange Peel Extract, Organic Licorice Root Extract,Oregon Grape Root Extract, Cetearyl Glucoside, Lemon Peel Ferment Extract, Caprylyl Glycol, Cocos Nucifera Fruit Extract, Hydrolyzed Jojoba Esters, Lysolecithin, Phenylpropanol, Propanediol, Pullulan, Sclerotium Gum, Sodium Hydroxide, Sodium Phytate, Xanthan Gum, Phenoxyethanol, Natural Cranberry Fragrance.
Free of: Free of animal components, parabens, phthalates, sulphates, detergents, mineral oil, petrolatum, palm oil, synthetic fragrances, and GMOs. No animal testing.


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Claudio Ranieri would be far away from worry and congratulate Tottenham Hotspur if the pip Leicester City to win English Premier League this season.
The Foxes sit on top of the table with 72 points, seven points clear above Tottenham who have 65. The Premier League title race is still open to even see fourth positioned Man City mathematically crown as Champions.
But with how the table looks like Leicester City or Tottenham are the book markers favourite tipped to win the League.
And when Leicester boss Claudio Ranieri was asked about the prospect of Tottenham to overtake his side, Ranieri said : "I'm not focused on what other clubs are doing. Instead I look at what I have to do to improve my side.
"That is our goal and if Tottenham is able to overtake us, I would have to congratulate them as that is part of sports," Ranieri told La Gazzetta dello sport.
Claudio Ranieri believes his team is on the way to make history as he praised his boys character and working rate.
"They are great players that are facing a historical moment in their life with a lot of responsibility."
"We work hard during the week, then the match arrives, but we laugh and smile in the dressing room before then. Nobody ever holds back, " the Italian added.


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Face: 100% Polyester fabric
Back Lining: separate layer of 100% Polyester, Off White color
Colors available: Dark Chocolate and Red.
104 inch wide by 84 inches tall/long
104 inch wide by 95 inches tall/long
3" rod pocket, 3" bottom hem, 1" side hems. These curtains can be used as back tab and / or as rod pocket (pole top) curtains.
Nine (9) back tabs. These curtains can be used as back tab and / or as rod pocket (pole top) curtains.
104" wide pair will accommodate 39"-96" of window width. Maximum width this pair of panels will cover is under 102 inches
Provides privacy and beauty for your home. Help stopping the cold or the heating and fading effects of the sun from your windows. Has the same insulating value as regular thermal curtains backed by insulating lining.
Sold as a pair (2 pieces).
Care Instructions: Washable.
* * *
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Lined, Foam Backed,
Woven, TermaSheer,
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Junior Member
Last Activity: 04-06-2018 02:51 AM
About Me
- About waynemreinhard
- Real Name
- Wayne M. Reinhard
- Location
- Santa Clara, California, USA
- Occupation
- Computer Programmer
- Professional Biography
- Hi, I'm Wayne M. Reinhard I love to play with computer programming languages.
Recently, I went to the European companies and gain a lot of knowledge related to my job.
- Special Skills, Interests, and Hobbies
- In most of my free time, I like to play soccer, PlayStation & reading unique kind of books.
- Sex
- Male
- External Blog Feed
- http://www.vyakar.com/blog_post.php


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Sherlock Pheasant Animal Head
A trophy of a wall decoration. Sherlock sports a jaunty tweed deer stalker hat and cosy country knit woollen scarf, ideal to ward off winter chills. He is skilfully crafted by needle-felting layers of sustainable loose organic wool fibres, creating a sculptured and realistic animal head.
Designed in Oxfordshire.
Tiny details to his face and accessories combined with black beaded glass eyes bring the characterful pheasant to life.
Size: 25cm width x 30cm height x 14 depth
Material: hand felted care. Beautifully presented in a pretty organic, cotton drawstring sack.
Delivery: All orders are delivered at £3.50 per address order. Dispatch and delivery time is between 3-5 working days. At busy times we may require an extra 48 hours to dispatch orders.
For orders of £45.00 or more, we provide free delivery.


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Nicky Hathway has worked at Potters for over twenty years and is our talented Entertainments Director. We caught up with Nicky to find out about her role, the latest shows from the Potters Theatre Company and her favourite musical…
How are you getting on in your new role as Entertainments Director?
Really well thanks, although there is lots to do! I'm still doing everything I was doing as show producer, in terms of coming up with the vision and concept for our shows, editing music, working with choreographers, set designers and the tech crew, working with our costumiers to source and make costumes, as well as find the best talent for the Potters Theatre Company.
Of course, I am also now involved with the whole entertainments programme, including Star Acts, discussing new daytime activities for the Resort, our late night entertainment offering and planning ahead so we continue to wow guests. I am lucky to have the best team around me and am supported by people like Rachel Baade, Sue Secker, Claire Randall, Laura Hodges, Shane Balls, Chris Dormer, our tech team, choreographers and band, and many more incredibly talented people.
Is there any part of the Potters Theatre Company that we don't do in house?
Pretty much everything is in-house so we are incredibly lucky. Helen Ramsay is our resident choreographer, but we also use a few external ones too for certain elements of each new show. Some of our props are made by a local company and we also use a recording studio in Norwich to record things like a string quartet and bassoon for when we don't have a live band with us. Apart from that, everything else you see and hear is done by us here at Potters, including lighting, sound, costumes, music and the LED screens.
What is it that you love about Potters?
I was a guest before I worked here and first came to the Resort when I was 14 and I remember we had the best holidays here. It was amazing when I got a job here as a dancer, which was back in the day when we also did all of the daytime activities, and I gradually just got more and more responsibility. As a guest I always felt I was coming home when I arrived and now this really is my home. The dancer in me would love to be up on stage still, especially with the calibre of the shows and the talent they get to work with. Of course, I also work with an extremely talented team of people.
What is your favourite musical and who is your favourite music artist?
I love music and musicals and am inspired by everything I see and hear, from costumes to music videos, concerts and TV. I then develop ideas and think about how I can see things working musically and visually.
I love a huge variety of music but Lionel Richie is a favourite and I met him a few years ago and fulfilled a lifelong ambition! Les Misérables was one of the first musicals I saw when I was 14 and I fell in love with it. It was so different to musicals like Grease that I had seen before and it is still a favourite.
How much pressure do you feel with each new show?
Success means that we strive to improve with every show. We want our guests to love the shows and we are always working to surpass their expectations and looking ahead to the next challenge.
We have had phenomenal reviews and standing ovations which fills me with immense pride for our amazingly talented team of performers and those working behind the scenes.
After the success of the summer show, Broadway & Beyond, we still have a Halloween show to prepare for our October Half Term breaks, the Christmas Spectacular and then just around the corner is our spring 2020 show, The Brits. Plus, we have our West End auditions in October when we will be looking for more amazing new talent to bring to Potters.
We will also be showcasing more of our resident talent such as Rachel Baade, who not only has an incredible voice but is a real favourite with our guests, and we are planning a night of swing with some of our amazing singers.


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Kaspersky Small Office Security 4 for File Server may work incorrectly in some other cases. To learn how to resolve such issues, see the Troubleshooting section. To see the list of fixed issues, see the Kaspersky Small Office Security 4 for File Server: release notes.
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This is to inform all the candidates that participated in the University of Nigeria, Nsukka (UNN) Joint Universities Preliminary Examination Board (JUPEB) entrance examination that the authorities of the institution have released the names of candidates offered provisional admission.
Check UNN JUPEB Admission List.
Click Here (.pdf) to access UNN JUPEB admission list. You will however need a device that is capable of opening PDF file to access it.


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The head of development at The Open University has said that the organisation is on track to rase £50m by the end of next year, and hits its first fundraising appeal target
Jhumar Johnson, who runs The Open University's fundraising and campaigns team, was speaking to Fundraising Magazine for its October issue.
She said the organisation has raised £31m since the campaign first launched in 2015, and that by the end of the campaign it expects to have quadrupled its annual fundraising to £10m a year.
"We launched The Open University's first fundraising campaign called Open up the Future in 2015 with the intention of raising £50m by the end of 2019, the organisation's 50th anniversary year," she said.
"The university invested a significant amount to launch the campaign so that we could build a skilled fundraising team, have the flexibility to develop elements within the campaign and invest in our database. The idea was that the campaign would mark a step change for philanthropic income, and the university showed a lot of foresight in getting the foundations right."
Johnson also said that The Open University's current income from alumni fundraising already marks it out as one of the top 10 fundraising universities in the UK.
"Alumni fundraising generates around £1m a year through 10,000 donors, which puts us in the top 10 universities in the country in terms of alumni funds."
Subscribers to Fundraising Magazine can read the full interview with Jhumar Johnson here. For more information on how to subscribe to Fundraising Magazine, click here.
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Shared by: https://twitter.com/TYLER_18hz
THE PROJECT is a Mutant Egregor Reality-Hacking Wargame.
THE PROJECT is an organic growth, and it is being guided by a synchronous Order.
What is "THE PROJECT?"
"You don't need a plan, or foresight, or anything else. If you have replication with variation, you will get Design out of Chaos and you can NOT stop IT."
you can not know IT.
you can not "rule" IT.
That is why the first rule is, you do not talk about IT, simply because you CAN NOT talk about IT.
At least not with perfection.
IT will not be the will of a single individual, Or even a single committee, but rather, the will of an eVolving egregor.
Beyond OUR control. Beyond the comprehension of the individuals. Therefore, IT shall not be the ramblings of the ego, but rather, a memetic mind a vast network of Acrobats, story-tellers & lion tamers. Dictated not from a single source above, but from that which is also below.
"Can you divine what THE PROJECT is?"
"Can you create the philosophers stone?
"Can you ever know dangerous idea V?"
"Can you hear, and see, and taste the mind of GOD?
THE PROJECT is a mEta-meme, It spreads itself and is created from the inter∞twininG of otHer memes, it can be spread Through anYthing,
word of mouth,
even perhaps body gestures,
smells and tastes.
IT is a construct of reality, produced from the very essence of the individuals participating in ITs construction.
IT exists symbiotically with the Participants of THE PROJECT,
ITs agents,
ITs writers,
and designers.
Reality Hacking is any phenomenon which EMERGES from the nonviolent use of legal digital tools in pursuit of politically, socially, or culturally subversive ends.
An Egregor (also "Egregore") is an occult concept representing a "thoughtform" or "collective group mind", an autonomous psychic entity made up of, and influencing, the thoughts of a group of people.
IT develops itself much like a self-organizing system. IT connects itself to its immediate environment through its host, organizing the surrounding system to suit its own end.