User experience (UX) is a user-centric method for decision-making, which ensures the primary purpose of a design is to help the user achieve their goal. Our UX specialists unpack the user's motivation, clarifying the reason why they want to perform a task, or use a product. During this assessment, frustrations also become apparent. Aligning business goals with the user's intent as much as possible fosters better user experiences. For instance, a poorly designed popup element may impede the visitor's ability to successfully view product information. Drawing upon user research via tools such as Google Analytics, helps determine the users' intent and pain points. Once collected, this data is organised into a comprehensive overview of project specifications. It helps the designer to make educated decisions about the design aesthetics, project priorities, and accessibility in terms of functionality or features.

People want to complete tasks quickly, with as little friction as possible; so the best user experiences are had using simplistic interfaces where users can accomplish their goals by performing a limited number of actions. Klyp takes an iterative approach when designing, starting with a user interface (UI) mockup, based on UX principles. The Designers map out the paths customers may follow on your website and conduct A/B testing of visual assets. These anticipated pathways are based on common practices, learned behaviours, familiarity and recall. For instance, the majority of computer program users know that a floppy disc icon represents the action of saving a file. The younger generations, who haven't had personal experience using a floppy disc, have been trained to expect the same ‘save' result when clicking the icon. Implementing popular symbols in an interface is a great way to deliver what the user expects in a design.

During Klyp’s Discovery process we distinguish your business’ user personas. Personas are semi-fictional characters that represent your customer base. They are constructed using genuine data to uncover demographic trends thereby identifying distinct user groups. Becoming familiar with your typical customers is imperative, as it enables us to forecast the key tasks users will set out to achieve on your website or app. Each individual exercise is considered a user story. Describing the user intent behind these activities helps to outline specific project requirements.

User Stories

Stories should be broken down into a simple sentence, which identify the persona, their goal and rationale. For example, "as an iPhone X user, I want to know when the next iPhone is going to be released so that I can update my device immediately". It's important to focus on what the user will be able to do (receive updates), not necessarily what they'll have. For instance, in this scenario, if we focused on the user receiving push notifications, we wouldn't consider other options for receiving updates, like signing up for email newsletters. Stories should therefore focus on capabilities as opposed to features. This perspective facilitates iterative design.

User Journeys

Each of these short stories combine to form a complete user journey. It's useful to examine the entire journey as a whole, to determine whether these stories hamper one another, or cause the user to jump through too many hoops. By assessing the good and bad stages of a user journey, opportunities to improve the design arise.

Heat Mapping

Heat mapping tools produce graphic representations of the way people engage with your website. Heat maps indicate where visitors click and eventually exit the website, which enables the identification of gaps or weaknesses in the user flow. Once heat mapping applications have collected data for an appropriate period, the Klyp team can assess the health and usability of your website. We can then make informed improvements to guide users through your website more effectively and efficiently to optimise conversion paths.

Our Expertise

  • Conduct user research to determine user intent and pain points
  • Outline project specifications, with regard to priorities, functionality and aesthetics
  • Iterative approach to interface design, based on UX principles
  • Identify and develop user personas
  • Workshop several user stories, focussing on capabilities as opposed to features
  • Assess user journey to achieve main goal and identify opportunities for improvement

Build amazing digital solutions

Continually push the boundaries of creative


Odd Socks

Odd Socks.

odd socks 1 on line

Mrs Groundsel enjoyed washing clothes but for the past two weeks she became angry on washing day.

Her day would start as normal. She collected the dirty clothes brought them to the river bed filled a bucket with clean water and then washed the clothes. Then she would return to her cave and hang the washing on the long clothes line Breeze had made for her.

The line started at the top of the mountain and finished at the bottom of the mountain close to the edge of the wood. It might be a tiresome job to most of those who lived in the wood but Mrs. Groundsel loved washing day. She loved seeing her line of washing flapping in the wind.

Breeze said it looked like a line of colorful flags dancing around the mountain. Then in the afternoon she would take her washing from the line and begin to pair up the socks. This is when she discovered her problem.

She knew there was twelve pairs of black socks. She had five. There should have been one pair of socks in every other color. Then there were the spotty ones in different colors. Now there was one of each of the colored socks and the spotty ones.

She had a basket of odd socks.

She got angry. Her pin fell out of her hair and her hair escaped from its neat bun.  She fixed her hair then she marched to Breeze’s cave. “Have you or Hamish been messing around with my clothes line?”

Breeze shook his head. Hamish said, “No. We know better than to do something so foolish. You would not like us to do that.”

“So where did they go?” Mrs Groundsel looked at Breeze and said, “Go find them.”

“I’m not a finder of socks.” Breeze said. He noticed how angry Mrs Groundsel looked. “But I can always try.” He said.

(Part two following in a day or so)


You asked: Is living in Jakarta expensive?

Family of four estimated monthly costs are 1,852$ (26,692,049Rp) without rent. … A single person estimated monthly costs are 540$ (7,782,173Rp) without rent. Jakarta is 58.52% less expensive than New York (without rent).

How much is an apartment in Jakarta?

How much is a good salary in Jakarta?

Why is Jakarta so expensive?

“It is understandable that Jakarta is the most expensive city because bicycles sell hard and run out in the market, including bicycles priced in the 80jutas,” said Gilbert. “Impartiality to the poor is also seen from the budget which is very minimal for MSMEs. even MSME funds come from the state budget or the center.

FASCINATINGLY:  You asked: Which taxi is cheaper in Bangkok?

Is Jakarta a good place to live?

Large apartment $880.00
Small apartment $390.00

What is the average house price in Jakarta?

How much money do you need to live in Jakarta?

Summary about cost of living in Jakarta, Indonesia: Family of four estimated monthly costs are 1,865$ (27,112,334Rp) without rent. A single person estimated monthly costs are 544$ (7,907,091Rp) without rent.

What is minimum wage in Jakarta?

Previously, the Jakarta minimum wage in 2020 was raised to Rp4,276,349 or by 8.51 percent from 2019. The affected companies, the governor added, could refer to the 2020 UMP by submitting an application to the city Manpower Agency. To ensure the welfare of workers, Jakarta prepared a Workers’ Card program.

What is a good expat salary in Jakarta?

San Francisco is the second most lucrative city for expats with a foreign worker taking home $207,200 per year on average. Zürich comes third with $206,900. Three other Asian cities join Mumbai at the top of the expat salary league – Shanghai ($202,200), Jakarta ($152,600) and Hong Kong ($148,400).

How much does a meal cost in Jakarta?

While meal prices in Jakarta can vary, the average cost of food in Jakarta is Rp214,904 per day. Based on the spending habits of previous travelers, when dining out an average meal in Jakarta should cost around Rp85,961 per person. Breakfast prices are usually a little cheaper than lunch or dinner.

FASCINATINGLY:  Are snakes a problem in the Philippines?

How much money do you need to live comfortably in Indonesia?

Is Jakarta a cheap place to live?

The prices in Indonesia are generally cheaper than most cities in the US and Europe. However, Jakarta itself is not a cheap city. In fact, when you compare to other capital cities in Southeast Asia, Jakarta is probably the most expensive city (after Singapore, of course) for expats.

Can I live in Jakarta?

What is the average income in Jakarta?

Average Salary / Jakarta. Average salary in Jakarta is 429,359,506 IDR per year. The most typical earning is 97,177,850 IDR.

Keep Calm and Travel


Review of: Genie Gone Wild

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On 08.10.2020
Last modified:08.10.2020

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Some of these casinos have a native apps to be installed on an Android or iOS. To play the real money pokie machine on a mobile.

The game is very easy and you can play this pokie in the portrait and landscape mode on the smartphone screen. Genie Gone Wild is a video pokie with a traditional structure.

It has 5 reels and 50 paylines and some magical features. The game has exciting graphics and you can hear Oriental sounds while playing.

The well-known characters become alive when there is a win on the reels. Genie is a wild that has a power to turn into other symbols except the scatter to complete a win and give payouts.

It is a stacked wild and can appear in the main game only. Three Genies on the adjacent reels from leftmost reel give the biggest payout in the main game.

You will see Magic Lamp, the scatter on reels 1, 3, 5 only. One note—sources conflict as to which—contained the declaration, "The world will never understand.

After Genie's father committed suicide, authorities and hospital staff exclusively focused on Genie and her mother; years later Genie's brother said his mother soon began dedicating all of her love and attention to Genie, after which he left the Los Angeles area.

James Kent stated that his initial examinations of Genie revealed by far the most severe case of child abuse he would ever encounter, and he came away extremely pessimistic about Genie's prognosis.

She had two nearly full sets of teeth in her mouth and a distended abdomen. Genie's gross motor skills were extremely weak; she could neither stand up straight nor fully straighten any of her limbs, and had very little endurance.

Doctors found it extremely difficult to test or estimate Genie's mental age or any of her cognitive abilities, but on two attempts they found Genie scored at the level of a month-old.

She seemed especially curious about unfamiliar sounds, and Kent noted how intently she searched for their sources. From the start Genie showed interest in many hospital staff members, often approaching and walking with complete strangers, but Kent said she did not seem to distinguish between people and showed no signs of attachment to anybody, including her mother and brother.

Genie's behavior was typically highly antisocial and proved extremely difficult for others to control. Regardless of where she was she constantly salivated and spat, and continually sniffed and blew her nose on anything that happened to be nearby.

From the start Genie showed a small amount of responsiveness to nonverbal information, including gestures and facial expressions from other people, and made reasonably good eye contact.

To make noise, she would push chairs or other similar objects. Linguists later discerned that, in January , Genie showed an understanding of only her own name, the names of a few others, and about 15—20 words, and her active vocabulary at the time consisted of two phrases, "stop it" and "no more".

They could not determine the extent of her expressive or receptive vocabulary at any point before January , and therefore did not know whether she had acquired any or all of these words during the preceding two months.

Within a month after Genie's admission to Children's Hospital, Jay Shurley, a professor of psychiatry and behavioral sciences at the University of Oklahoma and a specialist in extreme social isolation, took an interest in her case.

Shurley found no signs of brain damage but observed a few persistent abnormalities in Genie's sleep, including a significantly reduced amount of REM sleep with a variance in duration much larger than average, and an unusually high number of sleep spindles bursts of rhythmic or repetitive neural activity.

She pointed out that Genie made a year's developmental progress for every calendar year after her rescue, which would not be expected if her condition was congenital, and that some aspects of language Genie acquired were uncharacteristic of mentally retarded people.

In his first meeting with Genie, James Kent initially observed no reactions from her but eventually drew a small amount of nonverbal and verbal responsiveness with a small puppet.

Playing with this and similar puppets quickly became her favorite activity and, apart from her tantrums, accounted for most of the few times she expressed any emotion during the early part of her stay.

Genie quickly began growing and putting on weight, and steadily became more confident in her movements. By December, she had good eye—hand coordination and was much better at focusing her eyes.

During the first few months of her stay, giving her one of these objects could bring her out of a tantrum. After a few weeks Genie became much more responsive to other people, and shortly afterward began paying attention to people speaking, but at first she remained mostly unexpressive and it was unclear whether she responded more to verbal or nonverbal stimuli.

Around the same time it was noted that Genie took pleasure in intentionally dropping or destroying small objects, and enjoyed watching someone else do the same to something she had been playing with.

She did not have the same reaction to recordings, and if someone played anything other than classical music she would change the sheet music to a book which she knew had pieces she liked.

By December , Kent and the other hospital staff working with Genie saw her as a potential case study subject. That month David Rigler obtained a small grant from the National Institute of Mental Health NIMH to do preliminary studies on her, and began organizing a research team to submit a larger request.

Around the same time, doctors noted that she was very interested in people speaking and that she attempted to mimic some speech sounds.

By April and May , Genie's scores on the Leiter International Performance Scale tests had dramatically increased, with her overall mental age at the level of a typical 4-yearmonth-old, but on individual components she still showed a very high level of scatter.

However, she still had a hard time being with large crowds of people; at her birthday party, she became so anxious at all the guests present that she had to go outside with Rigler to calm down.

During the later part of Genie's stay at the hospital, she also started engaging in physical play with adults, and eventually began to enjoy giving and receiving hugs.

This was both her first exhibition of a sense of possession over items she thought were hers but was otherwise impartial towards and the first time she directed her anger outwards, but she did not entirely stop harming herself when angry.

Beginning in January scientists conducted a series of neurolinguistic tests on Genie to determine and monitor the course and extent of her mental development, making her the first language-deprived child to undergo any detailed study of her brain.

Over the following years multiple tests of her handedness supported this conclusion, as did observations of her in everyday situations.

Such an extreme level of asymmetry on these tests had previously only been documented in patients with either split-brain or who had undergone a hemispherectomy as an adult.

On non-language dichotic listening tests, she showed a slight preference for identifying non-language sounds in her left ear, which was typical for a right-handed person and helped rule out the possibility of her brain only being reversed in dominance for language.

Based on these results, Bellugi and Klima believed that Genie had been developing as a typical right-handed person until the time her father began isolating her.

They attributed the imbalance between Genie's hemispheres to the fact that Genie's sensory input as a child was almost exclusively visual and tactile, stimulating functions which are predominantly controlled in the right hemisphere of a right-handed person, and although this input had been extremely minimal it was sufficient to cause their lateralization to the right hemisphere.

Since Genie accurately distinguished speech sounds with her right hemisphere, they thought her language functions had lateralized there instead.

At the time of Genie's admission to Children's Hospital there was wide discussion in both lay and academic circles about the hypotheses of Noam Chomsky , who had first suggested that language was innate to humans and distinguishes humans from all other animals, and Eric Lenneberg , who in hypothesized that humans have a critical period for language acquisition and defined its end as the onset of puberty.

Though ancient and medieval texts made several references to language deprivation experiments modern researchers labeled such ideas "The Forbidden Experiment", impossible to carry out for ethical reasons.

Prompted by this coincidence of timing, David Rigler led a team of scientists who sought and obtained a three-year grant from the NIMH to study Genie in May At the suggestion of Jean Butler, Genie's special education teacher at the hospital, they screened The Wild Child during their first meeting, and the scientists later said the film had an immediate and profound impact.

To the surprise of several scientists involved in the grant meetings, Rigler decided the primary focus of the study would be to test Chomsky and Lenneberg's hypotheses and selected UCLA linguistics professor Victoria Fromkin to head linguistic evaluation.

From the time of her admission to Children's Hospital researchers had tried to keep her identity concealed, and it was around this time that they adopted the pseudonym Genie for her, referencing similarities between a genie coming out of a lamp without having a childhood and Genie's sudden emergence into society past childhood.

Soon after the NIMH accepted the grant proposal, in late May , Susan Curtiss began her work on Genie's case as a graduate student in linguistics under Victoria Fromkin, and for the remainder of Genie's stay at Children's Hospital Curtiss met with Genie almost every day.

Over the following month, she and Genie very quickly bonded with each other. At around the same time Curtiss began her work, doctors reevaluated Genie on the Leiter scale and measured her on the Stanford—Binet Intelligence Scale , which placed her estimated mental age between a 5- and 8-year-old with a very high degree of scatter.

Near the end of that month, after one of these trips, Butler told the hospital that she Butler might have contracted rubella , to which Genie would have been exposed.

Hospital staff were reluctant to give foster custody to Butler and were very skeptical of her story, strongly suspecting she had concocted it as part of a bid to take over as Genie's guardian and primary caretaker, but decided that placing Genie in an isolation ward at the hospital could potentially be highly damaging to her social and psychological development, so they agreed to temporarily quarantine her in Butler's home.

Soon after moving in with Butler, Genie started showing the first signs of reaching puberty , marking a dramatic improvement in her overall physical health and definitively putting her past Lenneberg's proposed critical period for language acquisition.

Butler wrote that Genie could eventually tolerate fenced dogs, but that there was no progress with cats. In her journal, Butler wrote that she had gotten Genie to stop attacking herself when angry and had taught Genie to instead express her anger through words or by hitting objects.

The Riglers had three adolescent children of their own, which Jay Shurley later said made them consider themselves more suitable guardians for Genie than Butler.

Rigler acknowledged the proposed arrangement would clearly put him in a dual relationship with her, but Children's Hospital and authorities decided that, in the absence of other adequate options, they would consent to make the Riglers Genie's temporary foster parents.

With the exception of Jay Shurley, who later said he felt the other scientists did not treat her as an equal, Genie's mother did not get along well with the other researchers, some of whom disliked her due to her apathy during Genie's childhood.

They also wrote that Genie was extremely frightened of their dog, and upon seeing it for the first time she immediately ran and hid. The research team recorded her speech being much more halting and hesitant than Ruch had described, writing that Genie very rarely spoke and that, for the first three months of her stay, almost always used one-word utterances.

One distinct feature of feral children is that they never develop a first language. Her ability to speak was limited further.

Chomsky believed that humans have an innate ability to acquire language. His theory of universal grammar appeared to support the idea that language is wired into our brains.

Think nature, rather than nurture. This theory can be supported to a degree, but experts could not prove universal grammar or innate language acquisition through experiments with children.

Isolating one child from language for the sake of a psychological study, much less enough children to prove the theory, is highly unethical.

Genie provided researchers a unique chance to look at the way that language is developed or stunted due to nature or nurture.

From the moment that Genie was rescued, she was examined. An entire team of researchers visited her for years, sometimes on a daily basis. They monitored her brain activity, observing that she had an estimated mental age of a 5- to 8-year-old.

Her linguistic development was that of a 1- or 2-year-old. She exhibited bizarre behaviors, some that could be explained by her childhood and others that appeared to have no explanation.

Many questions, including that of whether she really had a mental disability like her father suggested, have gone unanswered. Butler butted heads with the scientists who were observing Genie throughout her teenage years.

Their story has been told in countless movies. He observed her behavior and worked with her for many years. During this time, she was able to learn some sign language and communicate through drawings.

Genie Gone Wild online Videoslot: spiele IGT Spielautomaten kostenlos und ohne Anmeldung auf! It seems you are not logged in. 1X2 Gaming · Amatic · betgames · Betixon · betsoft · Big Time Gaming · Blueprint Gaming · Booming games · elk · Endorphina. Spielen Sie bei SpinGenie Fruits Gone Wild Deluxe und mehr als Slot- und Casinospiele von führenden Anbietern. Besuchen Sie uns noch heute, um. Das Spiel. Gems Gone Wild ist mittlerweile zu einer Serie geworden. Der Erfolg des Spiels ist groß und jedes Mal wird ein wenig am Spielgeschehen gebastelt. Genie also likes to go Wild at times and, when she does, she magically substitutes for all symbols except the scattered bottle symbols. The Scattered Bottle symbols pay between 2 and times your winnings, but finding three or more of them also triggers the Genie Wild Feature in which you’ll get 10 free games. Genie's story came to light on November 4, , in Los Angeles, California. A social worker discovered the year old girl after her mother sought out services for her own health. In Arab folklore, a genie is a spirit imprisoned in a bottle or oil lamp who, when freed, can grant wishes. The waif who shuffled into the world in enchanted many people in that brief, heady. Genie Wiley (pseudonym) was the shocking story of the ’s. A girl who spent her entire childhood locked in the bedroom. Raised in extreme isolation, Genie was a wild child: uncivilized, barely able to talk or walk, still wearing diapers, albeit being almost 14 years old. The indications showed she was being beaten from making the noise. Case 4 Genie, The Wild Child Research or Exploitation? Genie, her nearly blind mother, and her elderly grandmother disturbed the social worker. The three had come into the Social Welfare office in Temple City, California, to learn about resources for the blind. The date was November

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• Ending a rental tenancy

    Procedure for tenants

    Periodic agreement

    The simpler of the two to end is the periodic agreement. If you are on a periodic agreement, you can end your tenancy without having to provide a reason. However, a minimum of 21 days written notice to the owner is required.

    Fixed-term agreement

    Breaking a fixed-term agreement is a bit more complex. To do this you need written agreement from the owner.

    If an agreement isn't reached, you need to think carefully about proceeding with the termination as it can be very costly.

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    Family violence

    A tenant may give the owner notice of termination on the ground that the tenant or a dependent of the tenant is, during the tenancy period, likely to be subjected or exposed to family violence. In such circumstances, the tenant should seek professional assistance

    Procedure for owners

    Some reasons an owner may want to end a tenancy are;

    • if you are behind in your rent - the owner has the option to give seven day termination notice.
    • if you breach your tenancy agreement e.g. if you were to fail to provide access to the owner after they have provided you with the correct notice period, you would be advised in writing of the problem and then have 14 days to deal with the issue. If it isn't resolved or fixed, the owner has the right to terminate your agreement.
    • if the home is destroyed or has become uninhabitable - the owner can provide seven days’ notice to terminate your agreement.

    Periodic tenancies

    Owners can provide written notice of termination to tenants on a periodic tenancy if the property has been sold and the contract requires the property to be vacant at handover. In this instance, the owner has to provide you with 30 days’ notice.

    If the owner decides to end the tenancy without providing any reason, a minimum of 60 days’ notice is required.

    Fixed-term tenancies

    Similarly, as with tenants, owners who decide to end a fixed-term agreement can only do so by written agreement or through a court order.


Monitoring Radio Pulses In Real Time With Genetic Algorithms

The 21st century has brought a new landmark to the observational radio astronomy. Astronomers are now able to detect radio signals from a plethora of cosmic sources at various cosmological scales. Multiple detections show that periodic radio pulsations come mostly from numerous rapidly-rotating neutron stars known as radio pulsars located in the Milky Way, while much brighter single pulses are attributed to a few little-studied and far more distant fast radio bursts.

To grasp the origin and properties of these pulses, astronomers need telescopes with tremendous time and frequency resolution. To achieve those, modern radio surveys now operate in real time on large supercomputers with graphic processing units (GPUs) and therefore utilize enormous data rates and computational power. Among them is the new real-time Apertif survey that combines 12 equidistant dishes of the Westerbork Synthesis Radio Telescope in the Netherlands (Fig. 1). All 12 dishes are equipped with the high-resolution cameras that together provide a very large field of view equal to 40 times the size of the Moon. The produced amount of data requires a Top500 candidate ARTS supercomputer with a receiving data speed larger than the total Dutch internet traffic.

As every radio survey, Apertif is limited in its search for new radio flashes. Observed area of the sky, telescope sensitivity, spectral resolution, noise threshold – all these factors determine to what extent the survey will be successful in detecting new pulses. Within such limitations, one wants an optimal distribution of computational resources on graphical processors so that all telescopes perform real-time observations at maximum search capability (Fig. 2). A traditional way to find such optimal configuration of computational resources is to perform an auto-tuning each time the telescopes get upgraded. A complete scan of all possible configurations is known as a brute-force search. Data processing involves several subsequent operations that depend on each other. Probing every single possible configuration for all operations together with brute-force would take more than 100 billion years! Therefore, brute-force can only optimize configurations per single operation, but even that may take from 10 hours to 1 day.

Figure 2. The data from the radio telescope comes in a three-dimensional format: time (X-axis), frequency (Y-axis), estimated distance to the source (color). These data then need to be optimally distributed (tuned) across GPU computational resources (cores and memory) to assure real-time processing. Typical radio observations involve more than 1015 possible configurations, impossible to tune with brute-force. Figure courtesy Klim Mikhailov.

An alternative heuristic approach proposed in our paper (arXiv pre-print here) allows to only explore and improve already efficient configurations, thereby significantly (at least 5 times) reducing search time and allowing quick telescope upgrades. Additionally, it optimizes all operations at once, and thus also takes interactions between separate operations into account, prohibiting configurations that are not possible based on previously obtained ones. This new approach applies genetic algorithms, a type of optimization where good configurations get selected and mixed with each other, in an attempt to produce better configurations. The measure of “goodness” corresponds to the fitness function, in our case data processing time. In the end, only the most optimal configuration gets chosen (Fig. 3).

Figure 3. Schematic representation of a genetic algorithm. Initialized configurations are first evaluated in terms of their fitness functions. The best ones get selected and mixed with each other, some also get randomly changed (mutated) to further explore parameter space. The updated configurations then undergo fitness evaluation again. Once the stopping criteria (maximum number of algorithm iterations or desired fitness value) is reached, the best configuration gets selected and the algorithm stops. Figure courtesy Klim Mikhailov.

Genetic algorithms constantly improve initially good solutions and explore the rest of the parameter space at the same time – a weighty advantage over exhaustive and other local optimization (e.g. gradient descent) searches. They are also a perfect choice if one wants to quickly get a reasonably good solution in a multidimensional parameter space without big computations. Finally, heuristics are platform-independent and can thus always be transferred to larger surveys.

These findings are described in the article entitled The Apertif Monitor for Bursts Encountered in Real-time (AMBER) auto-tuning optimization with genetic algorithms, recently published in the journal Astronomy and Computing.

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Hiking ( https://gearhunts.com/best-coyote-call/ Vacation)

Par Amale BENNANI dans la catégorie L'école

The Hiking Communication Forums, also known as Hiking Message Plank, Hiking Discussion and the Hiking Debate Teams, is an excellent place for outdoor gear debate and to exchange info with experienced backcountry travelers who, frankly, are tired of carrying the kitchen sink into the backcountry. With https://gearhunts.com/best-coyote-call/ these ten Hunts, the first change in each PeaI is made by hunting down the whole Hunt. Browse over 200,000 road with trek data, maps, detailed critiques, and pics curated by a huge number of hikers, campers, and dynamics buffs much like you. 2 Hillside taking walks is an counterpart in Great britain (but this will also refer to a working day move), though backpackers produce work with of a selection of hotels, in accessory to tenting. Although if this is your 1st time on the highway, you will in no way understand WHY people would actually want to travel like this.

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While backpacker vacation is generally a form of children vacation, generally undertaken by young people during difference a long time, it is in addition undertaken by older people during a job break up or pension. A good key distinction from time hiking is the size of your pack-your backpack (and you) must carry all of life’s essentials on your again. The two later on ones are newer styles in ways of backpacking. Cairns are generally stacks of dirt that rangers produce to exhibit hikers the correct course to have. An out of doors activity of taking walks on healthy environments generally on the subject of pre charted paths called hiking trails.

And even though well being professionals agree that out-of-doors dinner is very much less risky than taking in inside of at a eating place, some metropolitan areas like as New York have recentIy announced they may slowly get started to reopen indoor dinner as chilly wintertime weather conditions has manufactured patios and pavement seats too chilly to keep. By: Daniela Lopez, Located Spots Custom made. Each trail begins with a trailhead-a warning that generally areas the label of the trail and the distance to the end (or how very long the loop is.) Various other trailhead, like those in domestic park systems, will possess a guide of all of the various other hiking trails your path connects to, as effectively as distinct issues to glimpse out for while climbing.

You can ledger for a hunting permission by viewing your local local treasurer’s business or maybe the business of the Southwest Pennsylvania Game Commission in Ligonier , Pennsylvania. On the other hand, when you walk, it means that you are only trekking a relatively steady and flat course without too many hurdles. Hiking is a good kind of low-cost, separate vacation, which often involves staying inside of inexpensive accommodations and carrying all a necessity assets inside of a good book bag. Before posting A Stone dust District Almanac, he wrote Game Management on the mathematics and statistics of wildlife population deal with through hunting.

Without such information, it is certainly not probable to conclude whether or certainly not hitchhikers are exposed to high danger. The killing of animals and birds with guns is referred to in English English tongue as shooting. What is known as going up the present in the U.England and T is called tramping present in New Zealand, and bush-walking present in Questionnaire. The act of backpacking means you carry all of your gear and belongings in a backpack. Online adverts include wording, photos, and enhanced articles that Google features been paid to spot found in specific places on Google internet sites.


CHAPTER 1 INTRODUCTION The anthropological study of Afro-American slavery has increas ingly used archaeological data as a primary source for interpreta tion. Because traditional historic sources are subject to problems of falsification and bias, archaeological data are frequently used to supplement historic records. It has been suggested that archaeology be the key to writing the cultural history of the "inarticulate" (Ascher 1974:10-12). Slavery sites have been investigated specifically for this reason. As a consequence of the widespread illiteracy among slaves, few documents written by slaves exist. Most of our understanding of slavery has come from accounts written by whites. Inferences derived from the archaeological record of slavery can provide insights into slave lifeways and slave worldview. Although planter records," travelers' accounts, and oral interviews are used extensively here to supplement the archaeological record, this study assumes that archaeological data are one of the best indices of slave behavior. The purpose of this study is to offer a model capable of dis cerning slave behavioral patterns in coastal Georgia. Slavery on the Georgia coast was characterized by distinctive demographic, environmen tal, economic, as well as historical factors which were absent in the interior. Undoubtedly, these conditions affected the quality of slave life, slave activities, and ultimately the development of slave cultural patterns. 1


did you know why the vantagescore model has been rebuilt three times in 10 years

Did You Know: Why the VantageScore model has been rebuilt three times in 10 years?

Date: June 30, 2020

Every few years credit score model developers, like other software developers, rebuild and relaunch their models. VantageScore has three models: 1.0, 2.0 and, most recently, VantageScore 3.0.

Obviously, these developments lead to a situation where consumers potentially have a large number of different credit scores. While the data overwhelmingly demonstrates consumers know that they have many scores and believe it is a net positive, it is still important to explain why models must be rebuilt.

The main reasons why models must be rebuilt generally fall into two categories.

First off, innovation is now an important part of the credit scoring market, and new innovations must be built into models. Model developers are continually testing new approaches, taking advantage of more innovative model architectures. As these approaches get refined, they are incorporated into new models. Examples of this include the exclusion of paid collection accounts and the addition of specific scorecards for scoring consumers with sparse credit histories.

Secondly, the credit environment changes. Shifts in the economy and interrelated changes in consumer credit behaviors contribute to a breakdown in the predictiveness of any credit scoring model over time. To develop its model, VantageScore uses two blended timeframes to capture two different, two-year periods representative of current market conditions. As those timeframes become less current, it becomes more likely that there will be a breakdown in the predictiveness of the model. When this occurs, model developers may use more current blended timeframes in order to build a new model that is more reflective of current conditions.

This is why VantageScore has launched three different models in its ten-year history. The development of new models increases innovation and predictiveness, which in turn benefits lenders, consumers and the economy.


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Spirits in the Nursery

How “Ghosts In The Nursery” affect bonding and attachment, from an Indigenous view.

 In most indigenous cultures ancestors play a very big role. Oftentimes a child is named after an ancestor or a living family member. It’s a sign of respect, of gratitude, of love for that ancestor, or that living person…sometimes the name is passed down because the parents want to honor the ancestor or reconnect with someone living, or because the child looks just like that individual.  Later nicknames might come about because that child acts just like that someone….but what happens when the ghost of the ancestor gets in the way of the parent/child relationship and takes over. Is honoring your ancestors by placing their name and attributes on a child a good thing or a bad.

Big Bear's Blendian DaughtersThe original concept of Ghosts in the Nursery was first spoken about by a theorist named Selma Fraiberg. In her writings she identifies the ghosts as being thoughts, memories and feelings that the parent might have for relatives and situations, past and present. She also suggests that a ghost can manifest themselves based on vague representations of the parenting that they received during their own childhood. In simple words, parents parent the way they were parented and the ghost is the idea, tradition and connection of a parent to their own childhood. This includes resolved and unresolved issues and relationships.

Often these ghosts visit the nursery after the baby is born, but sometimes the ghosts come to visit during the pregnancy. Most of the time these ghosts remain in the background and do not interfere with the bonding and attachment of parent to child, but instead offer guidance and comfort to the new parents. However in some cases the ghost becomes intrusive and impacts the relationship and bonding of the family with the baby. When this happens the parent transfers their thoughts, feelings and expectations of the ghost, which often times is an unresolved relationship the parent has with that person, onto the child. The baby and the ghost then merge into one. Sometimes you will hear a parent say to a child “you act like your father/mother” or “you look just like your grandmother.” This is a clear indication that in that moment the ghost has entered the relationship and that the focus has now shifted from the child to the ghost. Unless the parent is conscious of this shift, the proceeding interactions will be with the ghost and not the child at all. Children, who are emotional mirrors and whose main thrust is to  please their parents, realize, learn and act out the expected roles of the ghost, thus fulfilling the prophesy that the parent has laid out. This is really hard on the child. The parent does not get to know the child for who they are, but only talks to, and responds to, the ghost who is not real. This leads to malfunctioning relationships between parent and child which results in many missed cues, misunderstandings and miscommunication.

 As the child gets older, if parents are not aware of the ghosts in the nursery and have not made peace with them or sent them on their way, new ghosts can developed. One of the main ghosts is called parentification. This happens when a child becomes the ghost of the absent partner or grandparent and is unconsciously expected to give support, guidance and gratification to the parent. Of many sub domains of parentification we will identify two.

The first is the “little husband” and the other is “little wife” or “mother.” We will start with the “little husband.” He is the son of a single mother, who takes on a man’s role in the house. The ghost of the father merges with the child. The child is expected, albeit unconscious, to protect and provide for the mother, to put the mother first and to satisfy the mothers needs. The relationship is sexualized with physical and sexual lines blurred. Mom gives intrusive physical attention such as overbearing hugs and kisses, and might even walk around scantily clad and sleep in the same bed with the child. Although the show of affection rarely leads to sexual abuse, it can leave the son very confused. There has never been a formal study that I know of that links the little husband syndrome and sexual abuse.

However, the son, in all aspects, becomes the husband and is treated accordingly. This poses an issue for the child when the woman enters a stable relationship as it leads to the child to mourn “the breakup” of the relationship between him and his mother. As he does not understand the feelings, he often will rebel and act out lashing out at the mother and her new partner.

The “little wife” or “mother” becomes the head of household, caring for younger siblings, cooking, managing money and doing laundry. She doesn’t have to be in a single headed household, but will become the second or third parent depending on the makeup of the household.  The lines become blurred as she is told to stay in her place as a child, but is given responsibilities that are the equivalent to those of the adults in the home. This causes the girl to feel that she is equal to the parent. And in many respects she is. She becomes the ghost of the mother, grandmother and of the mother herself as she was at the age of the daughter now. Any unresolved or bad feelings the mother may have had at that age are heaped on to the girl and subsequently acted out by her.

But having present and active ghosts in the nursery is not always bad. Donald Winnicott–one of my favorite theorists–said “a baby alone does not exist. A baby can be understood only as a part of a relationship.” And an African proverb says “it takes a village to raise a child.” I take these words to mean those people and situations in the present as well as the past help shape and form a parents bond and attachment to a child. It gives thread to the fabric of who that child will develop into, and what kind of parents will raise that child. Relationships just don’t include those that are living and present, but our ancestors as well. Sometimes you have to understand the ghost to understand that child who is nothing like anyone else in your house. I for one embody the spirit of my great great great grandmother, rumored to be of the Seminole Nation.  It wasn’t until I understood, made sense of, and found peace with her that could I then find peace in myself and for those around me to be able to understand me.  My mother will sometimes laugh and say “oh boy, Jane is speaking through you today.”

Ghosts in indigenous cultures are seen as protectors, guides and bearers of knowledge.  But we, as parents, must never lose sight of the child in the present.  It is very important for parents to be aware of who they are dealing with.  Is it the child? Or is it the ghost from the past or unresolved relationships.  Some questions that you can ask yourself are:

  i.     Are or were there any ghosts in the nursery?

ii.     Who was it?

iii.     How did the ghost manifest itself?

iv.     Was the child treated differently because of the ghost?

v.     Did the child begin to act like the ghost?

vi.     Do you feel that you were a recipient of a ghost

When you are able to identify and make peace with that entity that comes to visit, or that has taken up residence in the nursery, it will open the door to a stronger bond and a more productive relationship between you and your child.

 It was written once, that “humankind has not woven the web of life. We are all one thread within it. Whatever we do to the web, we do for ourselves. All things are bound together. All things connect.”  It is important to understand the past to know the present, to acknowledge the spiritual and how it affects the physical.


Report highlights the impact of poor indoor air quality on children’s health

here is growing evidence that respiratory problems among children may be exacerbated by indoor air pollution in homes, schools and nurseries, according to a report which involved a University of York academic.

Sources of indoor air pollution include smoking, damp, the burning of fossil fuels and wood, dust, chemicals from  and furnishings, aerosol sprays, and cleaning products.

Professor Nicola Carslaw, from the Department of Environment and Geography, was one of the authors looking at “Factors Affecting Indoor Air Quality.”

Prof Carslaw looked at how indoor activities such as cooking, cleaning and air freshener use can lead to exposure to air pollutants in our homes.

It draws on research carried out by Prof Carslaw and her colleagues at York around the use of cleaning products in the .

Prof Carslaw said: “Using such products leads to a suite of chemical reactions, some of which can lead to the formation of harmful pollutants such as small particles and formaldehyde.

“Although people are generally very aware of air pollutants outdoors and exposure to them—such as walking along a heavily trafficked street—they are much less aware that they can be exposed to pollutants in their homes.”

There are some simple things that people can do in their homes to reduce exposure to pollution. Using an extractor fan that vents outdoors when cooking is one way and making sure that cleaning is carried out in a well-ventilated space is another. People can use liquid cleaners instead of sprays, use minimal amounts of the cleaning product and never mix them together.

Prof Carslaw is currently carrying out research to identify ways to change product formulations so that they produce less of these chemically harmful products when used.

The RCPCH report recommends:

  • Legally binding performance standards for  to include ventilation rates, maximum concentration levels for specific pollutants, labeling of materials, and testing of appliances
  • Compliance tests after construction stages and assessment of buildings once occupied—this may require ring-fenced resources for local authorities to take enforcement action.

Source: Here


Street and Park Pathway Lighting, LED Upgrade

Did you know the City has over 6,400 streetlight, park pathway and parking lot lights?  That’s a lot of lights. Public Works took responsibility for these lights in from Alameda Municipal Power (AMP) in 2017.  There are a variety of different styles lighting throughout the City and some are even designated historic monuments by the Historical Advisory Board.  Before the program transferred from AMP to Public Works, AMP converted about 3,500 of the non-decorative, or “cobra head” style lights to LED.

What is LED?
Light emitting diodes, or LEDs, have been on the mainstream market for 30 years now. They have characteristically low energy consumption, small size, longer lifetime and faster switching than incandescence lamps and because of that, they have a wide palette of applicability, including streetlighting.

The reason LED bulbs are vastly more cost-effective and environmentally friendly in comparison to incandescent bulbs because LEDs aren’t bulbs at all!  For most incandescent and fluorescent bulbs, heat is a byproduct of the light that is created. Most of the energy incandescent lights use goes towards heating the bulb, leaving little for creating actual light. However, LED lights use only a small portion of their energy to create heat, so most is used for creating brighter light.

Will the lights look the same?
In some locations we will be replacing the entire fixture, like the lantern style fixtures in the Fernside neighborhood. The new LED fixture looks nearly exact to the existing.  For the streetlights designated historic, we will only be changing the bulb to LED and retaining the existing housing.

Consistent with the International Dark-Sky Association, a group whose purpose is to protect the night sky, the new LED street lights have a correlated color temperature (CCT) of 3000 Kelvins.  The CCT is the hue and tone of white light from the LED that is measured in Kelvin (K), which is similar to degrees in Celsius. Different temperatures on the Kelvin scale represent different colors.  For example, light at 2000K-3500K looks more orange/yellow and is called ultra-warm or warm white, and as temperatures increases in Kelvin, color changes to more of a “paper white” known as natural or neutral white (between 3500K and 5100K) and finally into a bluish-white known as cool white (5100K-20000K).  All LEDs to be installed as part of this project are 3,000 Kelvin LEDs or led, which is a warm white glow that is safe for people and wildlife.

When will the lights be installed in my neighborhood?
The project is being implemented in phases that are dictated both by geography and material availability. Some fixtures take longer than others to manufacture and deliver. We are starting the week of December 7, 2020 in the Fernside neighborhood since the lantern style fixtures were already delivered. We also have the bulb replacements for the historic globe style streetlights, so those will be done next.  St. Francis Electric is the contractor doing the install for this first phase. We anticipate this work to take a month or so before start up subsequent phases.

Please use this map to see the various phases of the LED project and estimated start dates.

What’s the environmental impact of this project?
Energy from City street, parking lot, and park pathway lighting accounts for over 658 metric tons of carbon dioxide emissions annually. This LED conversion project will reduce emissions from street, parking lot, and park pathway lighting by 213 metric tons of carbon dioxide emissions annually.  This is equivalent to 1,047,153 miles driven by an average passenger vehicles or equivalent to 47,485 gallons of gasoline usage.

How was this project funded?
Streetlight, park pathway and parking lot lights are funded by the General Fund. As part of the FY19-21 budget, Council approved $560,000 to supplement a potential $3,000.000 California Energy Commission’s (CEC) Energy Conservation Assistance Act Program Loan with a one percent interest rate fixed for the term of the loan. After further research, staff concluded the project was not eligible for the CEC loan due to legalities around committing the general fund to future years without a vote of the people.

To continue with this important energy saving project, staff restructured the project to purchase the materials directly and manage the install.  Install will be executed with a mix of in house and contractual labor so that the total project contractual costs, including this material purchase, is an estimated $570,000. The project restructuring avoids the need for financing.

Who can I contact for questions and/or concerns?
Please contact Erin Smith, (510) 747-7938 or


Great Tips On How To Treat Your Back Pain

Not everyone shares the same types of symptoms when they experience back pain. Some experience extreme stiffness, while others feel stabbing pains in their back. You cannot live a nice life with horrible back pain; here are some easy things you can do to deal with the back pain you are experiencing.

Don’t pretend that your back pain isn’t there. People often ignore their bodies. They sometimes even attempt to just ignore their back pain. If you move a lot while experiencing back pain, you can make it worse. You will want to reduce your activity until your pain lessens.

If you experience pain chronically in your back you may want to try laying with your knees and hips at 90 degree angles. This position is known to be more comfortable for those with back pain than other positions. Find other positions you find comfortable so you can alternate.

Try to maintain good posture and avoid slouching when performing activities such as vacuuming. If you are continually bending forward while pushing the vacuum, you’re going to experience back pain. Use you legs to propel the vacuum forward and you will avoid placing unnecessary pressure on your back.

If you have back pain, getting stressed about it will just aggravate it further. You must develop relaxing habits to avoid causing sudden muscle spasms in your back. Apply a heat source to the affected area of your back, then allow yourself to rest.

Muscle spasms will need to be eased if you are having serious back pain. Lay down and use a heat treatment on your muscles. You should also drink plenty of fluids and keep your sodium intake to a minimum until your pain subsides. If you get dehydrated, the muscle spasms will worsen.

Knowing the various symptoms of back pain doesn’t mean that one is any less painful than another. Your entire day can be ruined if your back starts hurting. Use the advice provided here to deal with the pain and you can live a more fulfilling life.


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Jamia, Aligarh, Assam: Police using excessive, unnecessary force, says US rights body

Counterview Desk
Asking the Government of India to "show restraint at demonstrations" referring to what called "possible excessive use of police force against citizenship law protesters", the Human Rights Watch, in a statement from New York, has apprehended that "international standards" should be observed in "policing assemblies".
"The United Nations Basic Principles on the Use of Force and Firearms by Law Enforcement Officials provide that law enforcement officials may only use force if other means remain ineffective or have no promise of achieving the intended result", the top human rights organization says, referring to international "outrage" over the citizenship law.

The Indian authorities should immediately order all police to abide by international standards on policing assemblies, Human Rights Watch said today. The police may have used excessive force against demonstrators across the country who have been protesting against the enactment of the discriminatory Citizenship Amendment Act on December 12, 2019.
The government should establish a credible independent investigation into allegations of excessive force, brutality, and vandalism by law enforcement officials against demonstrators.
“The Indian government should address the concerns raised about the citizenship law instead of trying to shut down the protests with excessive force,” said Meenakshi Ganguly, South Asia director. “The police should have learned by now that responding to protesters with brutality only encourages more violence.”
The newly amended law grants citizenship only to non-Muslim irregular immigrants from the neighboring Muslim-majority countries of Afghanistan, Bangladesh, and Pakistan. Protesters, including many university students, called for the law’s repeal, saying it was unconstitutional and divisive.
Six people have been killed since the protests began soon after parliament passed the law on December 11. The protests started in India’s northeast state of Assam, where police fatally shot four people, according to reports. In West Bengal state, the law sparked violent protests in some places. At the same time, peaceful protests were held all over the country, including in Delhi, Mumbai, and Bangalore.
Police in Assam have arrested 175 people and held 1,460 others in preventive detention, and dozens of people have been injured, including police officials.
On December 15, police in Delhi fired teargas shells against protesting students inside Delhi’s Jamia Millia Islamia university. The university’s vice chancellor said the police entered the university without permission and targeted students in the university library and hostels, beating up students and some staff.
A video of police brutally beating a man as female students try to defend him and chase police away from a residential neighborhood close to the university have also raised concerns over police actions.
The police assert they acted with maximum restraint and were forced to respond after students turned violent, throwing stones and damaging public vehicles. The university’s vice chancellor has sought a high-level inquiry into the violence. The university students also dissociated themselves from the violence in a statement, saying: “We have maintained calm even when students have been lathi-charged [attacked with batons] and women protesters have been badly beaten up.”
Nearly 60 people, including students and police, were injured at the Jamia Millia Islamia protests. Hundreds of people also protested outside the city’s police headquarters in Delhi demanding action against Delhi police. Many students across Indian cities came out in support of the Jamia Millia Islamia protesters.
At Aligarh Muslim University in Uttar Pradesh, hundreds of students clashed with police on December 15, and police fired teargas shells and lathi-charged protesting students. Police officers were also injured in the clashes. Police were seen vandalizing motorcycles outside the university gates at night in apparent retaliation.
The right to peaceful assembly and protest is a fundamental right protected under international law, and one of the cornerstones of a society built on respect for human rights and rule of law. International human rights standards provide that law enforcement agencies should protect and facilitate that right, and should as far as possible apply nonviolent means before resorting to the use of force.
Internet shutdowns have been disproportionate, unnecessary, and in violation of India’s international legal obligations
Human Rights Watch is concerned about the police using unnecessary or excessive force against protesters. While some protester action may warrant police use of force, international human rights standards limit the use of force to situations in which it is strictly necessary.
The United Nations Basic Principles on the Use of Force and Firearms by Law Enforcement Officials provide that law enforcement officials may only use force if other means remain ineffective or have no promise of achieving the intended result. When using force, law enforcement officials should exercise restraint and act in proportion to the seriousness of the offense and to the legitimate objective to be achieved. Lethal force may only be used when there is an imminent threat to life.
Indian authorities shut down the internet in several districts including in West Bengal, Assam, Meghalaya, Tripura, Arunachal Pradesh, and Uttar Pradesh states, contending it was necessary to maintain law and order. India has frequently used internet shutdowns in response to protests, and, as Human Rights Watch and others have documented, these shutdowns have largely been disproportionate, unnecessary, and in violation of India’s international legal obligations including the rights to freedom of expression and assembly.
The shutdowns also affect access to essential activities and services, including emergency services and health information, mobile banking and e-commerce, transportation, school classes, reporting on major crises and events, and human rights investigations.
The Citizenship Amendment Act has prompted international condemnation, including from the Office of the United Nations High Commissioner for Human Rights, which urged the Indian authorities to respect the right to peaceful assembly and to abide by international norms and standards on the use of force when responding to protests.
The Act was passed amid the government’s push for the National Register of Citizens, a nationwide citizenship verification process that would identify irregular immigrants, which government statements indicate is aimed at disenfranchising and stripping Muslims of their citizenship rights.
“The Indian government failed to grasp the extent of public opposition over erosion of basic rights evident in these protests,” Ganguly said. “The government’s strongest response to the protests would be to repeal the citizenship law and withdraw its plan for citizenship verification that threatens marginalized communities.”

Uttarakhand, Kerala disaster due to policies favouring India's developmental mafia

Swami Vivekananda's views on caste and sexuality were 'painfully' regressive


Kelly and Company Events Advisory – Branding

Kelly and Company is a major events consultancy that wanted an identity which was refined, but also distinctive.

This concept uses the idea of clusters: a group of similar items positioned or occurring closely together. In nature, we see examples in the flocking of birds, swarming of bees, migration of fish, and astronomy. Major events attract people as they flock to attend, and large clusters form. In this context, they also demonstrate formed networks and connections.


For many people, an annulment can seem like a very attractive way to “erase” your marriage. However, an annulment isn’t for every couple, even if you’ve been married a very short time, the requirements for actually getting one are pretty strict and apply to relatively few couples. Every case is different so to determine if you are eligible for an annulment, you’ll need to contact Genus Law directly, but this brief overview of the requirements should help you understand your options better.

A keyboard with a large red "delete" key.

What is an Annulment?

Like a divorce, an annulment is a court procedure that dissolves a marriage. Unlike a divorce, however, an annulment treats the marriage like it never happened. It essentially voids the marriage for all legal purposes and in most records. If you have children, they are still considered “legitimate” and both parties will be treated as parents would in a divorce, meaning custody and timesharing still need to be addressed.

What are the Requirements for an Annulment in New Mexico?

New Mexico has a very narrow and strict set of requirements for granting an annulment. You can only get an annulment if:

1. One or both parties were married under the age of 16.

2. One or both of the parties were under the age of 18 at the time of the marriage and married without the consent of their parents or guardians.

3. The marriage was illegal because the parties are too closely related

4. One or both of the parties were married before the date of marriage (bigamy)

How do I get an Annulment?

In order to obtain an annulment in New Mexico, one or both parties must be residents of New Mexico for at least  6 months. You then must draft and file a petition in the relevant district court. The petition must include both party’s personal information, the fact surrounding the marriage (and the children if any)  and the grounds for the annulment. Even if you meet one or more of the requirements, it’s still important to work with an attorney who can draft the proper documents and help you both divide the marital property and create a parenting plan if needed.

More than likely, you will probably need to get divorced. However, if the length of marriage is relatively short and there aren't a lot of property issues to deal with, you can probably get an uncontested divorce, which will still simplify things.

If you think an annulment is right for your situation, call Genus Law today to see if you qualify so we can start solving your problem today!


Honor Your Soul is the message shared within the journey of soul. With Scripts Among Her Glass Walls, Kyemma takes you back to the root of soul in the East: The Eye. The eye is the heart and aligns with the soul on the journey within this realm. For, the soul leads and the eye follows, where mysticism aligns in the eye of soul in Scripts Among Her Glass Walls. The author eliminated what did not serve her soul to find the home within. The soul is the guide, for, it all begins within.


With €18 billion in overnight deposits, Malta green bonds could finance metro

Leading economists who spoke to MaltaToday believe the €6 billion required to build a metro can be raised through the issue of green bonds

Overland rail in Naxxar (C) Metro MT
Overland rail in Naxxar (C) Metro MT

Financing the massive infrastructural investment in a metro would be possible through the issue of private sector bonds, leading economists Philip von Brockdorff and Joe Falzon told MaltaToday.

Finance minister Clyde Caruana this week said there will have to be an “extensive discussion” on the financial aspects, but insisted the proposal so far was a matter for public consultation. “The issue will eventually boil down to taking the necessary decisions and on how realistic certain commitments will be,” he said when asked by MaltaToday whether the exorbitant outlay was a headache he would want to avoid as finance minister.

MaltaToday asked two senior economists whether the country can afford such an enormous investment and whether this expense would be sustainable and in line with deficit restrictions imposed by the European Union.

Asked about the impact of the project on the country’s finances, Prof. Philip Von Brockdorff, the deputy Dean of the Faculty of Economics, Management and Accountancy replied that this will depend on whether the project will take the form of public-private investment, public investment alone or an entirely private investment.

If the project is funded through private investment “the financial implications for government expenditure would be limited”.

However, it is also likely according to Von Brockdorff, that government will have to intervene to subsidise the price paid by consumers, as in the case of existing public transport. “That is likely in my view given the huge outlay involved in the project and the return investors will be expecting from the project.”

In this case subsidised pricing would be allowed under EU rules on the same lines as current arrangements. Moreover this policy would help support the modal shift necessary to justify the investment.

Asked on the specific financial mechanism to finance the investment, Von Brockdorff believes that the project should be financed from the issue of private green bonds, with the government adopting a subsidised pricing policy to indirectly support the modal shift.

A green bond issue in line with EU taxonomy would provide opportunities for higher returns and possibly encourage investment from outside the EU as well. “Green bonds would also highlight the green credentials of the project itself and its environmental objectives. They have the potential to yield significant economic benefits for both the issuer and investors alike.”

Equally important is applying the EU taxonomy for such an investment, allowing it to meet the do-no-significant-harm (DNSH) and minimum safeguards, with the green credentials being achieved alongside social protection and safeguarding of human and workers’ rights.

Even if privately financed, the project may still have an impact on public spending for if the project is successful one has to factor in the lost revenue from car registration taxes and licence. “Overall, however, the welfare benefits of reduced emissions cannot be downplayed in any way.”

Prof. Joe Falzon from the Department of Banking and Finance concurs that the way forward is to finance the project through the issue of bonds. “Financing €6.25 billion for the metro system would be possible if spread over 20 years.”

This must be seen in a context where the current value of all equities listed on the Malta Stock Exchange is €3.95 billion, while the current value of all private-sector bonds is €1.96 billion. Moreover, the current value of the Malta Government bonds is €7.38 billion, while the value of the Government Treasury Bills is €0.72 billion. And there are currently €18.3 billion overnight deposits from Maltese residents in the commercial banks earning close to zero interest rates.

“Raising €313 million each year through bonds or equity would certainly be possible if we expect that the economy would continue to grow in the next 20 years. €313 million is just 1.7 % of the current €18.3 billion overnight deposits.”

The main issue according to Falzon would be the repayment of the interest on the bonds issued or the expected dividend to be paid on any equity issued. Currently, private sector bonds are issued at around 3.5% per annum on the Malta Stock Exchange. However, there is no guarantee that interest rates will remain this low in the next 20 years.

Falzon warns that if interest rates will rise in the next 20 years, higher interest payments will be needed to be made to the bondholders, on new bonds issued and on old bonds when these mature and need to be rolled over. “All these interest payments and any dividends will have to be paid from the future income stream of the metro system. So it all depends on the economic feasibility and profitability of the whole project.”


Cedar Falls: An Awesome Place to Live

Cedar Falls, IA: Visualization: Clarity And Exploring

This research on Law of Attraction aims to spot what individuals may attract with their thoughts. Your life and your thoughts is changed. People feel pressured to help make decisions about their jobs and lives. Alternatively of allowing the Law of Attraction, which is considered the most law that is powerful the universe, they can manifest their true desires. The law that is third help individuals or organizations manifest their real potential. The study will show that understanding and utilizing the statutory law of Attraction can improve people's lives. First, let's examine how science and logic relate to the Law of Attraction. The Law of Attraction states that vibration and energy are the basis of all existence. It's also known as "The Law of Attraction". You can attract what you desire most to your life by your thinking and your actions. Based on the Law of Attraction, we can create our world. Our lives are our creations, good or bad. The Law of Attraction requires that you stop worrying about what your targets will appear to be in reality. When fear, stress or other concerns become the focus that is main of manifestation process, a vibration is created. Assuming that you won't get what you desire, or you aren't worthy of it, is a sign you're not worth it. We are unable to live our lives if we keep narrow beliefs.

Cedar Falls, IA is situated in Black Hawk county, and has a community of 40536, and exists within the higher metropolitan region. The median age is 27.2, with 11.3% of the population under 10 many years of age, 15.1% between 10-nineteen years old, 26.7% of inhabitants in their 20’s, 11.9% in their 30's, 7.9% in their 40’s, 8.5% in their 50’s, 9.4% in their 60’s, 5.4% in their 70’s, and 3.7% age 80 or older. 46.5% of inhabitants are male, 53.5% women. 41.2% of inhabitants are reported as married married, with 7% divorced and 47.6% never wedded. The percent of people identified as widowed is 4.3%.

The typical family size in Cedar Falls, IA is 3.05The typical family size in Cedar Falls, IA is 3.05 residential members, with 63% owning their very own dwellings. The average home cost is $186940. For individuals renting, they pay out on average $875 per month. 57.3% of families have two sources of income, and a typical household income of $61420. Median individual income is $25737. 18% of residents exist at or beneath the poverty line, and 8.4% are disabled. 5.3% of residents of the town are veterans of this military.


Supreme Court blocks NY from enforcing Covid limits on churches

The U.S. Supreme Court issued an injunction late Wednesday blocking New York’s governor from enforcing 10- and 25-person occupancy limits on religious institutions, granting a request from the Catholic Diocese of Brooklyn and Agudath Israel.

The state had told the court there was no need to act because the restrictions, which were adopted as a way to try to prevent the spread of the coronavirus, had recently been dialed back.

The court apparently divided 5-4, with Chief Justice John Roberts and Justices Stephen Breyer, Sonia Sotomayor and Elena Kagan dissenting.

In an unsigned majority opinion, the court said the restrictions would violate religious freedom and are not neutral because they “single out houses of worship for especially harsh treatment.”

While religious institutions were affected, businesses categorized as essential could admit as many people as they wish, the court said, and the list of such businesses included acupuncture facilities and others the court said were not essential.

The court said there’s no evidence that the organizations that brought the lawsuit have contributed to the spread of Covid-19.

In his dissent, Roberts said he saw no need to take this action, because the state has revised the designations of the affected areas, and none of the houses of worship that sought relief now face numerical restrictions and can hold services up to 50 percent capacity.

Breyer said if the state seeks to reimpose the limits, the plaintiffs can come back to the court. Sotomayor and Kagan said granting the injunction “will only exacerbate the nation’s suffering.”

Both Neil Gorsuch and Brett Kavanaugh filed concurrences. Neither Amy Coney Barrett nor Samuel Alito filed separate opinions.

During a briefing call with reporters on Thanksgiving morning, Cuomo shrugged off the court's move.

"The Supreme Court ruling on the religious gatherings is more illustrative of the Supreme Court than anything else .... This was really just an opportunity for the court to express its philosophy and its politics. It doesn't have any practical effects," he said.

Cuomo, echoing Roberts' dissent, said that the entire case was moot because the restrictions in the particular zone in Brooklyn no longer exist. He said the case will now go back to a lower court.

"The decision isn’t final. Second, it didn’t affect our mass gathering rules. So it didn’t mention those. It didn’t mention the overall limits," said Cuomo, who questioned why the court ruled "on an issue that is moot?”

President Donald Trump reacted Thursday morning by commenting on a tweet from a Supreme Court case tracking site about the ruling. "Happy Thanksgiving," he wrote.