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14 May 2019 06:14

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Catalina-Jemez, GRAD STUDENT
David Huckle, Hydrology and Water Resources, will present his MS thesis research.
Uranium-series isotopes are an emerging tool to characterize weathering and soil forming processes in the Critical Zone, the dynamic region of earth's surface where bedrock, water, soil, and life chemically and physically interact to support ecosystems. Understanding controls on the U-series composition of soils across a range of lithologies and climate is critical to applying existing mass balance models of U-series isotopes to calculate soil formation rates in these systems. This study seeks to understand the behavior of U-series isotopes in soil profiles in the semi-arid complex volcanic terrain of the Valles Caldera, NM. (234U/238U) measured in soils ranged from 0.90 to 1.56 and (230Th/238U) values ranged from 0.48 to 1.39. Significant 230Th enrichment in upper soil profiles was interpreted as evidence of mixing with 230Th-enriched volcanic ash and significant 234U enrichment in one soil profile was interpreted as evidence of precipitation of U from 234U-enriched soil solutions. A simple U isotope mass balance model was applied to estimate soil residence time based on U precipitation, which yielded a minimum residence time of ~10ka. Evidence of past episodic mixing of volcanic ash in these soils suggests modeling soil formation using a mass balance approach is problematic, and future applications of existing models in other heterogeneous volcanic soils should be applied cautiously. U-series isotopes have also shown promise as a tracer of residence time in shallow groundwater and streams. In this study, (234U/238U) in dissolved U is used to trace seasonal variation in source water contributions to streamflow in a small (3.29km2), headwater catchment in the Jemez River Basin Critical Zone Observatory within the Valles Caldera. Systematically lower (234U/238U) values in dissolved U were observed in spring and stream waters in conjunction with greater contributions of longer residence time waters during snowmelt ((234U/238U) ranged 1.7 to 2.8) vs. dry seasons ((234U/238U) ranged 1.9 to 3.1). The lower (234U/238U) values in longer residence time waters were attributed to progressive depletion of easily-weathered 234U with increasing duration of water rock interaction. Further studies with more quantitative age tracers, such as 3H, could help to establish (234U/238U) values as a powerful tracer of water sources and residence time in streamwaters at the catchment scale.

subset: commoncrawl


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By Haley McKinnon, CLA Student Writer - November 1, 2023
"How can we be inspired by the ocean?" Nicole von Germeten asks.
After almost 20 years as a professor in history, including five as the director of the School of History, Philosophy and Religious Studies, von Germeten is now an associate dean in the College of Liberal Arts (CLA), and the lead program administrator for the new Marine Studies (MAST) undergraduate degree. Housed in CLA, MAST is "an interdisciplinary major that explores the dynamic relationship between humans and the marine environment." The major has just entered its third full year this fall, with plans to launch an online minor in summer 2024. MAST offers an innovative program for students to experience a variety of ways of knowing about the oceans.
Marine Studies Degree Offers New Approach to Environmental Learning
MAST is a unique opportunity for both faculty and students at OSU, focusing not on the marine sciences like oceanography or marine biology, but on the human dimensions of ocean and marine systems, with classes that range from focusing on public policy to sparking creative and spiritual connections to the ocean. Making that distinction, says von Germeten, has been one of the more challenging parts of implementing the program. "When you have a degree called 'studies,' we're always talking about interdisciplinarity," says von Germeten. "This can be challenging as all 'studies' degrees have innovative ways of bringing disciplines together."
Nearly all schools within CLA contribute to the MAST curriculum. Another interdisciplinary degree - ethnic studies - plays a central role in shaping MAST. While the MAST major traditionally caters to undergraduates with a humanities interest, science students will soon find that minoring in MAST helps them expand their understanding of what it means to interact with the ocean. Ultimately, MAST's curriculum can complement OSU's existing science-oriented, coastal programs, connecting people, research, and the coast together.
The program currently has a small but efficient faculty. In addition to her administrative role, von Germeten also teaches Maritime Histories of the Pacific, 1400-1800 (HST 314), which looks at the connections between the Americas, Asia, and the Pacific Islands in the critical centuries of global expansion. Along with teaching and mentoring in the new history master's program, which began under her leadership in fall of 2021, she provides oversight in two required courses every term: MAST majors' internships in MAST 410, and their independent capstone projects in MAST 425. The degree also depends on Lori Cramer, MAST assistant director and long-time sociology professor, and Cynthia Leonard, undergraduate academic advisor and advisor for OSU's campus-wide marine club Ocean11.
MAST coursework draws on faculty from a variety of fields to round out the curriculum, lending to the inherent transdisciplinary nature of the program. It is one of von Germeten's goals to expand on the core faculty by hiring a writer/marine studies specialist to teach a newly-developed MAST-specific Writing Intensive Curriculum (WIC) class, which is part of OSU's Baccalaureate Core requirements.
There are only a handful of programs like MAST in the country, and the new online minor launching next year will be the first of its kind, eventually building to an online major. Cramer has been responsible for developing some of the coursework, having previously built other degree programs on campus. Beginning her 30th year teaching environmental sociology at OSU, and with research focused on coastal systems and coastal community resilience, Cramer felt it was a natural fit when the opportunity to get involved with the MAST program arose.
"This was a really cool opportunity to see a program develop with such a fascinating and needed interest around the human dimensions of ocean and marine systems," Cramer says. "We have wonderful oceanographers and natural scientists, but when we're talking about issues around the ocean it's the people; whether it's the people who are contributing to the plastic pollution, or coastal tourists, or all the other dimensions from economics to arts. [MAST] brings everything together in a very unique way."
Cramer has worked with faculty across the university to create the degree, as well as liasoning with the OSU Marine Studies Initiative. "We didn't want to just hope we would build it and they would come," she says. The identity of the program arose from asking what was needed for coastal and marine systems in today's world, and creating curriculum "driven by a demonstrated need and desire to bring that human and social dimension together, and knowing that our students would have opportunities to contribute in ways that combined their passion for marine and coastal systems, and the environment in general, to make a difference," says Cramer.
Both administrators are ambitious about wanting what's best for students, focusing on accessibility and streamlining, creating a support network, offering experiential learning opportunities, and developing careers after graduation. Von Germeten is always looking outward, starting a new initiative of inviting in speakers from well-established programs around the country in an effort to make MAST part of the network of cutting-edge transdisciplinary programs. Visits to OSU by humanities-based marine studies interdisciplinary and globally-focused scholars will be funded by the Center for the Humanities, which von Germeten currently administers.
"Especially in the liberal arts, we don't often offer as many majors as we'd like that are readily applied, and MAST has some real applied, tangible components that provide students the opportunity to get their hands dirty – experiential learning and being able to make a difference from the get-go," says Cramer. They are always looking to expand and offer greater flexibility, and Cramer is also working on building internship and experiential learning opportunities, hoping for paid options for students as well as a cohesive package for students to complete a term or more at Hatfield Marine Science Center in Newport.
Currently, enrollment in MAST sits at about 90 students, give or take. Summer engagement through START (OSU's orientation program for incoming students) has helped boost numbers, with the highest number of new students coming in for fall 2023 than in previous years. Excitement is growing, slowly but surely, and the addition of the minor next year will be a huge step towards accessibility for all students. "It will help students across campus incorporate human dimensions to their existing degrees. Somebody who is doing integrative biology or ocean engineering will be able to couple that with a minor in MAST so they can have the best of both worlds," says Cramer of the minor. "I think that complement is going to be hugely important. It's going to be pretty powerful." Cramer recognizes that, more and more, agencies and policy makers are looking for people who have not just technical skills, but an understanding of the complexities of people in science and policy – MAST can offer that understanding to students, no matter who they are. Some MAST students are interested in surfing, conservation, energy development, tourism, management, recreation – and all of those things have a human dimension. "If you have an interest or passion around issues related to the ocean or marine systems in any way, from policy to arts to music, this is a great major for that. If people like camping, hiking, beachcombing, you name it, we can create a way to carve out that passion to give you a way to use it going forward," says Cramer.
Looking to the future, MAST only has room to grow. With new courses being added, new experiential learning opportunities being developed, and steadily growing enrollment, the program is coming in on the cutting edge of what's possible not just in education, but in human relationships to the environment.


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Political Groups
This is a list of all the political groups.
The list only contains political groups who have members elected to the Council
Click on a particular group to view all the members of that party.
Conservative (C) |
Independent (I) |
Labour (L) |
Labour & Co-operative Party (LCO) |
Scottish Liberal Democrat (LD) |


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B.Sc. Physics
B.Sc. in Physics is a 3-year program that provides a student with fundamental knowledge about physics and the principles of physics. Any student who is greatly attracted to the world's general phenomena and the laws of physics and wants to learn about the laws of physics dominating our lives and the world around us should choose this programme.
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- Classical mechanics
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- Properties of matter
- Thermodynamics
- Wave and optics
- Quantum physics
- Semiconductors
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Additionally, the students pursuing this degree are given a lot of exposure to practical hands-on lab experience, especially with the experiments conducted in the lab. The students are also given an idea about statistical physics and the practical applications of all the theories of physics in the modern day to solve complex real-world problems.
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As the subject in itself, that is, physics is very vast, the scope for students in BSC physics broadens even more. There are a lot of fields in which there is a need for people with in-depth knowledge of physics- both science and nonscience fields.
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Programme offered at
- GITAM School of Science,Visakhapatnam Campus
- GITAM School of Science,Hyderabad Campus
- GITAM School of Science,Benguluru Campus
Duration of the programme
- 3 Years
- 4 Years (Honours - 4th year Optional)
Check Eligibility
- A minimum of 50% or 5.0 CGPA (55% in the case of CBSE, ICSE, ISCSE, IGSCE, and IB) in 10+2 examination or equivalent examination in any discipline from a recognized Central / State Board or its equivalent and Qualified in GAT (UG Science) 2023.


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Continued from Valerie and John's Wedding Part I!
Germantown Presbyterian had one of the more intense "church ladies" we'd ever worked with. She was constantly breathing down our neck about the timeline and had to know where we were and where we were planning on being every minute we were shooting. I felt like her eyes were locked on me during the whole ceremony to make sure I didn't go one step farther than our invisible boundary allowed. It wasn't until I told her that we were planning on taking Valerie and John to the church gymnasium that she lost her mind- "You're taking them where? Are you kidding me?!"
Lucky for us, Valerie and John trusted us completely and I ended up getting my favorite shot of the day (luckily Mom and church lady weren't around to see them tossing their flowers!) :
Ceremony time!
Valerie's daddy undoubtedly had the best view of the day from heaven.
Off to Memphis Botanical Garden for the reception!
I love combined parent dances. :)
I loved seeing how much Valerie's step dad adored her and her sisters.
And then this happened…
Can you tell they're father and son?!
Valerie and John, thank you so much for letting us be a part of your day!!
More weddings from my hometown! :


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Official languages of the Conference are Spanish and English, with parallel sessions being either in English or in Spanish.
All papers are subject to double-blind peer review.
Authors will receive an email with the results of the reviewing process and the final decision of the Scientific Committee. Papers can be accepted in either of these categories: "oral paper" (oral communication), "discussion paper" or "doctoral workshop".
Papers accepted as "oral paper" must be presented by at least one of the authors and will be commented by a discussant in order to encourage debate and provide insightful comments to authors.
Papers accepted to the "discussion paper" sessions must be presented by at least one of the authors and will be firstly commented by the chairman of the session, and later discussed by the members of the panel.
Accepted papers to be presented at the Congress will be available in PDF format for registered attendees.
Each author may submit a maximum of three papers to the Conference, either if he/she is the only author or if she/he is a co-author.
The inclusion of accepted papers in the program of the Conference is conditioned to the registration of at least one of the co-authors. When the number of co-authors exceeds three, the registration will be mandatory for at least two of the co-authors.
Certificates will not be given during the Acede International Conference, according our purpose of reducing the use of paper. Conference attendees will be able to download their own certificate in pdf, which will bring together all the roles that each one has had in the conference once it has finished. This certificate will be a single certificate, and everybody can start to download the pdf from June 28, by accessing the Conftool option specifically enabled. Paper certificates will be given only to the winners and finalists of the Acede International Conference awards.


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What can you do with a Phottix Premio Umbrella? Mark Rigsby of MDR Foto in Houston, Texas, shows us. He uses the Phottix Premio for much of his commercial and personal work.
"This is an amazing shoot-through you have made…The light diffusion is fantastic," said Mark, "It spreads the light well and the backing helps the fall-off as the light gets closer to the feet while retaining definition. This is not something I can do easily with my single beauty dishes set-up unless I up the power. Even then it's not as even because it's a more concentrated light source."
See the Phtotix Premio series in the Phottix Online Store or with your local Phottix dealer.


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Why does aluminum turn black or brown?
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Why does aluminum turn black or brown?
Why does aluminum turn black or brown?
Why does aluminum turn black or brown?
hmwadeseo > 06-20-2023, 08:46 AM
Why does aluminum turn black or brown?
To answer the question: why does aluminum foil change color to black or brown, understanding what aluminum foil is made up of is of paramount importance. Fortunately, the name gives us a hint of what the main component of aluminum foil is, and that is the aluminum element with the chemical formula Al. That being said, aluminum is not necessarily the only constituent of aluminum foil; however, to answer the question we only need to focus on aluminum.
Aluminum metal has high a affinity for oxygen. Affinity for oxygen is just a measure of how quickly or easily a substance, in this case, aluminum, can be oxidized or react with oxygen in the earth's atmosphere, with a higher affinity for oxygen meaning that a substance oxidizes pretty quickly. The higher concentration of oxygen in the earth's atmosphere makes it easy for substances with a higher affinity for oxygen, such as aluminum, to be oxidized.
The affinity of oxygen of a metal depends on how a metal occurs naturally. Metals that naturally occur as oxide metals, such as iron, magnesium, and aluminum, will have a higher affinity for oxygen because they want to return to their natural state. However, metals that naturally occur as native metals, such as silver and gold, have a lower affinity for oxygen and they are much less reactive.
The oxidation of aluminum foil can be confirmed by its change in color to brown or black, and this process results in what is referred to as corrosion or the breakdown of a metal. Oxidation of aluminum does not continue to occur forever, it will stop when there is no free aluminum available to react with oxygen in the atmosphere. The reaction of aluminum and oxygen or aluminum oxidation results in aluminum oxide(Al2O3).
The thickness of the aluminum oxide layer on the surface of the aluminum foil tells us how long has the aluminum foil been exposed to atmospheric oxygen or how long oxidation has been taking place. The layer will quickly get to 1.5nm, and after 1 month to 1 year, it can get to about 2nm - 4.5nm. And of course, as the layer becomes thicker, less and less aluminum will be available to react with atmospheric oxygen.
In a nutshell, the change of aluminum foil color to black or brown can be attributed to oxidation which is significantly dependent on the affinity of aluminum to oxygen element.
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UK's top co-op bank sheds 1000 jobs
According to news reports, Britain's Co-op Bank will cut more than 1,000 jobs, over 10 percent of its workforce, as part of an overhaul of its business and finances. The Co-op Bank is scheduled to make an announcement on Monday about its plans to address a 1.5 billion-pound ($2.4-billion) capital shortfall identified by regulators, and about its business plan for the next four to five years.
This massive downsizing is indicative that the European economy is still far away from recovery. Read the Economic Times news report here.


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School Board adopts new District Director maps
Monday, June 27, 2022
2022 School Board District Director map |
At its May 24, 2022 meeting the Shoreline School Board adopted a new District Director map.
District Directors, i.e. School Board members, are required to live in their district. However all residents within the school district boundaries (the cities of Shoreline and Lake Forest Park) vote for all directors.
The boundaries were adjusted meticulously to, as much as possible, put the same number of residents in each district, as well as attempting to distribute the elementary schools among the districts.
All school board members represent the interests of the entire school district.
Board members serve a four-year term.


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Even though John Woo's Hollywood career tapered off to end in a whimper with dismal Ben Affleck vehicle Paycheck in 2003, action fans are still hyped about the legendary filmmaker's Stateside return at the helm of Silent Night.
The concept alone is enough to generate plenty of interest, with Joel Kinnaman set to headline a completely dialogue-free movie that follows an everyday father who finds himself plunging headfirst into the criminal underworld in order to avenge his son's death.
Unfortunately, Deadline reports that an accident has occurred on set before principal photography has even gotten underway, with a special effects assistant being hospitalized with a broken femur and dislocated shoulder. Thankfully, no severe injuries were sustained, and the crew member has already been released after surgery.
The trial run for the Silent Night set piece involved a car on rails crashing into a fire hydrant and flipping over. Nobody was in the vehicle at the time, but the assistant is said to have missed their mark and been struck. No production delays are expected, either, although the person in question will be absent for a number of weeks.
Since beginning his self-imposed exile from Western cinema almost two decades ago, Woo has kept himself busy in his native Hong Kong by helming two-part historical epics Red Cliff and The Crossing, along with acclaimed wuxia effort Reign of Assassins.
He hasn't directed a feature of any kind since 2017's Manhunt, an action thriller that saw him return to familiar territory and played on Netflix internationally, so perhaps he has a point to prove to audiences with Silent Night.


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Optimization of spray drying conditions for production of Achillea millefolium extract powder Original scientific paper
Main Article Content
In this study, a spray drying process of yarrow (Achillea millefolium L.) liquid extracts was optimized by using the response surface methodology. The study aimed to determine the influence of temperature (120-195 °C), liquid flow rate (3-16.5 cm3 min-1) and dry matter content in the liquid extract (0.3-1.5 %) on the yield of the drying process, the total polyphenols content and the antioxidant activity of the dry powder. Under the tested conditions the yield varied dramatically and ranged from 8 to 75 %, while the effects on the polyphenol content and antioxidant activity were lower. The optimized conditions for the maximum antioxidant activity and maximal yield of the dried extract were as follows: temperature of 130 °C, liquid flow rate of 7.5 cm3 min-1 and dry matter content of 1.2 %. Under the optimal conditions, the yield was 66 %, while there was a slight decrease in the polyphenol content in the dried extract as compared to that in the liquid extract (145 mg of gallic acid equivalents [GAE] per g of the total dry matter vs. 152 mg GAE g-1, respectively). Consequently, antioxidant activity of the dry powder was only slightly reduced as compared to that of the liquid extract (DPPH neutralization was 58 vs. 64 %, respectively). The dried yarrow powder preserved its antimicrobial activity against pathogenic bacteria Staphylococcus aureus (MIC value of 10 mg cm-3) and Pseudomonas aeruginosa (MIC value of 20 mg cm-3).
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Air Products, AES to build the US' largest green hydrogen facility in North Texas
Air Products, AES to build the US' largest green hydrogen facility in North Texas
Air Products has teamed with the power utility conglomerate AES Corp. to build a $4 billion green hydrogen production plant in North Texas that they say will be the largest green hydrogen facility in the US, the companies said Dec. 8. - SPGlobal
The facility will have an electrolyzer capacity capable of producing over 200 mt/day of green hydrogen using about 1.4 GW of dedicated wind and solar assets. The facility and all renewable assets will be within Wilbarger County, which is located just west of Wichita Falls, Texas, along the Texas-Oklahoma border.
The new facility in Texas will be, by far, the largest mega-scale clean hydrogen production facility in the US to use wind and sun as energy sources. We have been working on the development of this project with AES for many years and it will be competitive on a world scale while bringing significant tax, job, and energy security benefits to Texas.
Air Products CEO Seifi Ghasemi
The facility is expected to begin operations in 2027 and is expected to provide zero-carbon hydrogen to the mobility market and to industrial buyers.
AES, which is one of the leading renewable energy suppliers in the US, will equally own and operate the renewable and electrolyzer assets with Air Products, a legacy hydrogen provider with an extensive hydrogen network along the Gulf Coast.
Air Products said in an email that Thyssenkrupp, a German manufacturer of alkaline electrolyzers, will "probably be the most likely people who are going to provide the electrolyzers" thanks to a preexisting global agreement between the two companies. Back in April, Air Products similarly selected Thyssenkrupp to provide alkaline electrolyzers for its 10 mt/day green hydrogen plant in Arizona.
Platts, part of S&P Global Commodity Insights, assessed the price of green hydrogen produced in the US Gulf Coast using alkaline electrolysis at $2.87/kg (including capex) Dec. 7, while the assessed price of green hydrogen produced using PEM electrolysis was $3.84/kg.
The Center for Houston's Future, a non-profit pushing Texas' emerging low carbon industries, praised the announcement, saying that the effort.
Validates our research showing that Texas will be a global leader in creating a clean hydrogen ecosystem. The center is currently tracking over 25 clean hydrogen projects across the state totaling over 5.7 million mt of clean hydrogen, almost double current grey hydrogen production
CEO Brett Perlman
The Center for Houston's Future and GTI Energy also recently spearheaded the Gulf Coast's application to receive between $1 billion-$1.25 billion and become one of at least six hydrogen hubs funded by the Infrastructure Investment and Jobs Act.
Texas Governor Greg Abbott, who has been leading a fight to punish investors choosing to divest from fossil fuels, also praised the green hydrogen project.
This project will not only bring hundreds of jobs and millions in revenue to the Lone Star State but will also expand our state's robust energy sector and further solidify Texas as a global powerhouse in this critical industry. I thank Air Products and AES for choosing Texas, and I look forward to working alongside the two companies and local leaders as we keep Texas a global energy leader.
Texas Governor Greg Abbott


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Conservation biology: foundations, concepts, applications - Fred Van Dyke. F. galton habits. Richard von Krafft-Ebing. Austrian neurologist, psychiatrist, and nobleman We ask you, humbly: don't scroll away.
Hi, reader in Canada, it seems you use Wikipedia a lot; that's great! It's a little awkward to ask, but this Saturday we need your help. Genome project earth animal and ant genome mapped. Dark matter and blueshift. Ephemeral. Jacopone da Todi. Life[edit] Born Jacopo dei Benedetti, he was a member of a noble family.
He studied law in Bologna and became a successful lawyer. At some point in his late 20s, he married a young noblewoman, named Vanna according to some accounts, who was a pious and generous woman. Richard Burton. Welsh actor Richard Burton, CBE (/ˈbɜːrtən/; born Richard Walter Jenkins Jr.; 10 November 1925 – 5 August 1984) was a Welsh actor.[1] Noted for his mellifluous baritone voice,[2][3] Burton established himself as a formidable Shakespearean actor in the 1950s, and he gave a memorable performance of Hamlet in 1964.
He was called "the natural successor to Olivier" by critic and dramaturge Kenneth Tynan. Laurence Olivier. 20th-century English actor, director and producer Laurence Kerr Olivier, Baron Olivier, OM (/ˈlɒrəns ˈkɜːr əˈlɪvieɪ/; 22 May 1907 – 11 July 1989) was an English actor and director who, along with his contemporaries Ralph Richardson, Peggy Ashcroft and John Gielgud, dominated the British stage of the mid-20th century.
He also worked in films throughout his career, playing more than fifty cinema roles. Late in his career, he had considerable success in television roles. Memetics. This article is related to the study of self-replicating units of culture, not to be confused with Mimesis.
Memetics is a theory of mental content based on an analogy with Darwinian evolution, originating from the popularization of Richard Dawkins' 1976 book The Selfish Gene.[1] Proponents describe memetics as an approach to evolutionary models of cultural information transfer. The meme, analogous to a gene, was conceived as a "unit of culture" (an idea, belief, pattern of behaviour, etc.) which is "hosted" in the minds of one or more individuals, and which can reproduce itself, thereby jumping from mind to mind. Thus what would otherwise be regarded as one individual influencing another to adopt a belief is seen as an idea-replicator reproducing itself in a new host. As with genetics, particularly under a Dawkinsian interpretation, a meme's success may be due to its contribution to the effectiveness of its host. Niko tinbergen. Wonderful Life. Wonderful Life may refer to: Film and television[edit] Music[edit]
Charles Singer. Charles Joseph Singer (2 November 1876 – 10 June 1960) was a British historian of science, technology, and medicine.
Biography[edit] Early years[edit] Unweaving the Rainbow. Book by Richard Dawkins Unweaving the Rainbow: Science, Delusion and the Appetite for Wonder is a 1998 book by Richard Dawkins, in which the author discusses the relationship between science and the arts from the perspective of a scientist.
His starting point is John Keats' well-known, light-hearted accusation that Isaac Newton destroyed the poetry of the rainbow by 'reducing it to the prismatic colours. Before the Beginning: Our Universe and Others - Martin J. Rees. The way we will be fifty years from today book. Francis Crick. From Bacteria to Bach and Back. From Bacteria to Bach and Back: The Evolution of Minds is a 2017 book about the origin of human consciousness by philosopher Daniel Dennett, in which the author makes a case for a materialist theory of mind,[1] arguing that consciousness is no more mysterious than gravity.
Drawing on ideas from René Descartes and Charles Darwin, Dennett writes that: '... natural systems can create "competence without comprehension"—that is, situations in which sophisticated actions occur without the individual or machine involved understanding the reasons for the actions taken. Content and consciousness. Content and Consciousness - Daniel C. Dennett. Daniel dennett. Lynn Margulis. Lynn Margulis (born Lynn Petra Alexander;[2][3] March 5, 1938 – November 22, 2011)[4] was an American evolutionary theorist and biologist, science author, educator, and popularizer, and was the primary modern proponent for the significance of symbiosis in evolution.
Historian Jan Sapp has said that "Lynn Margulis's name is as synonymous with symbiosis as Charles Darwin's is with evolution. "[5] In particular, Margulis transformed and fundamentally framed current understanding of the evolution of cells with nuclei – an event Ernst Mayr called "perhaps the most important and dramatic event in the history of life"[6] – by proposing it to have been the result of symbiotic mergers of bacteria.
Margulis was also the co-developer of the Gaia hypothesis with the British chemist James Lovelock, proposing that the Earth functions as a single self-regulating system, and was the principal defender and promulgator of the five kingdom classification of Robert Whittaker. Eukaryotic genes. Eukaryotic Gene Regulation. Gene structure. Common features[edit] Regulatory elements can overlap one another, with a section of DNA able to interact with many competing activators and repressors as well as RNA polymerase. For example, some repressor proteins can bind to the core promoter to prevent polymerase binding.[14] For genes with multiple regulatory sequences, the rate of transcription is the product of all of the elements combined.[15] Binding of activators and repressors to multiple regulatory sequences has a cooperative effect on transcription initiation.[16] Although all organisms use both transcriptional activators and repressors, eukaryotic genes are said to be 'default off', whereas prokaryotic genes are 'default on'.[5] The core promoter of eukaryotic genes typically requires additional activation by promoter elements for expression to occur.
Overview: Eukaryotic gene regulation (article) Mendel's demon. Mendel's Demon: Gene Justice and the Complexity of Life - Mark Ridley. Icons of evolution. Icons of Evolution. Some in the scientific community have criticized the book and regard it as pseudoscientific.[5] It was criticised for its claims that schoolchildren are deliberately misled, and its conclusions as to the evidential status of the theory of evolution, which is considered by scientists to be the central unifying paradigm of biology.[6] Kevin Padian and Alan D. Creation science. Creation science or scientific creationism[1] is a branch of creationism that claims to provide scientific support for the Genesis creation narrative in the Book of Genesis and disprove or reexplain the scientific facts,[2] theories and paradigms about geology,[3] cosmology, biological evolution,[4][5] archaeology,[6][7] history, and linguistics.[8] The overwhelming consensus of the scientific community is that creation science fails to produce scientific hypotheses, and courts have ruled that it is a religious view rather than a scientific one.
The creation science texts and curricula that first emerged in the 1960s focused upon concepts derived from a literal interpretation of the Bible and were overtly religious in nature, most notably linking Noah's flood in the Biblical Genesis account to the geological and fossil record in a system termed flood geology. The 1982 ruling in McLean v. Intelligent design. Pseudoscientific argument for the existence of God, Intelligent design (ID) is a pseudoscientific argument for the existence of God, presented by its proponents as "an evidence-based scientific theory about life's origins".[1][2][3][4][5] Proponents claim that "certain features of the universe and of living things are best explained by an intelligent cause, not an undirected process such as natural selection. "[6] ID is a form of creationism that lacks empirical support and offers no testable or tenable hypotheses, so it is not science.[7][8][9] The leading proponents of ID are associated with the Discovery Institute, a fundamentalist Christian and politically conservative think tank based in the United States.
Intellect thought science vs the intelligent design movement. Intelligent design movement. The intelligent design movement is a neo-creationist religious campaign for broad social, academic and political change to promote and support the pseudoscientific[1] idea of intelligent design (ID), which asserts that "certain features of the universe and of living things are best explained by an intelligent cause, not an undirected process such as natural selection.
Most updated curriculum in the world learn about what's in the news. Transfiguration of Jesus. In these accounts, Jesus and three of his apostles, Peter, James, John, go to a mountain (the Mount of Transfiguration) to pray. On the mountain, Jesus begins to shine with bright rays of light. Polyandry in nature. Polyandry. Polyandrous one male mating with many females. Polyandry in nature. Hamilton's theory. Hamilton's rule and the causes of social evolution. Evolutionarily stable strategy. First published as a specific term in the 1972 book by John Maynard Smith,[1] the ESS is widely used in behavioural ecology and economics, and has been used in anthropology, evolutionary psychology, philosophy, and political science. History[edit] Washburn evolution. Washburn evolution. Sherwood Washburn. Sherwood Larned Washburn ((1911-11-26)November 26, 1911 – (2000-04-16)April 16, 2000), nicknamed "Sherry", was an American physical anthropologist and pioneer in the field of primatology, opening it to the study of primates in their natural habitats.
Green-beard effect. The Green-beard effect is a form of selection in which individuals with genes that produce unique observable traits select individuals with the specific trait and thereby the same gene. The social conquest of earth. E o wilson kin selection. E.O. Wilson Proposes New Theory of Social Evolution. Helen grafton kin selection. Kin selection. The evolutionary strategy that favours the reproductive success of an organism's relatives, even at a cost to the organism's own survival and reproduction The co-operative behaviour of social insects like the honey bee can be explained by kin selection. W. D. Hamilton. William Donald Hamilton, FRS (1 August 1936 – 7 March 2000) was an English evolutionary biologist, widely recognised as one of the most significant evolutionary theorists of the 20th century.[1][2]
W. d. hamilton. Beanbag genetics. Mendel first studied pea plants. Meme. Thought or idea that can be shared, in analogy to a gene. Codical domain codex dna. Williams natural selection. Adaptation and Natural Selection. DNA replication. Genic selection. John Maynard Smith. Gaia hypothesis. Theriogenology. Random drift creating adaptation. Francisco Ayala.
Elizabeth Stuart, Queen of Bohemia. Elizabeth Stuart, Queen of Bohemia. Ernst Mayr. Evolution. Local optimum. Sewall Wright. Mendelian inheritance. Ronald Fisher. Hardy–Weinberg principle. Ernst Mayr. Federated States of Micronesia. Antigenic drift. Charles Darwin. Sewall Wright. Motoo Kimura. Mendelian inheritance. Ronald Fisher. Genetic drift. Genetic drift. Hugo de vries. Hugo de Vries. Naturphilosophie. Thomas Hunt Morgan. Gregor Mendel. W. batson evolution. William Bateson. Diverse. Neutralism. 747 saltation. Gradualism. Stretch dc 8 saltation. Fred Hoyle. 747 saltation sir fred howyals. Boeing 747.


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Brand Identity: What It Is and How To Build One
Every business has its own individual style. Even if companies work in the same field and set the same tasks, the very peculiarities of their realization will be unique. To make this distinctiveness recognizable, it is necessary to personify it. In other words, it is necessary to create a quasi-personality of an organization or business, which will act as the core of everything that relates to it. Such a quasi-personality is called a brand. What is brand identity in this case? This is all that the brand associates itself with, rejecting everything that has nothing to do with it.
Why Does a Brand Need an Identity?
The urge to create a brand identity is caused by a number of reasons. Conventionally, they can be called the needs of positioning and promotion. Entering the market, the company craves to stand out from the mass of its kind and draw the attention of customers. Whether it's a new pharmacy, a bakery, a software development company, or an anti-fraud agency, it needs to disidentify from the general generic concept of "Pharmacy" or "Bakery" and personify itself. This process is called branding. But the brand itself without semantic content will be empty. To surround it with many associations that are attractive to the consumer, it is necessary to build a brand identity. To stay competitive in the industry, you must be aware of the latest FMCG trends or trends in any industry that you are associated with.
What Comes Before Developing a Brand Identity?
Before you start focusing the attention of consumers on the distinctive features of the brand, you need to create its concept. This is the first step that precedes identity building. The brand concept is the mission, which will be implemented in the activities of the company. After this mission of the brand is defined, the process of building an identity begins. It consists of the selection of those characteristics that will contribute to the achievement of these goals.
How Can You Define a Brand Identity?
In order to take into account all the necessary distinctive elements when building a brand identity, it is important to determine what belongs to it. In a general sense, brand identity is a set of all those characteristics that distinguish it from many others. They should be fixed in the associative memory of consumers. Among them are the following:
- History of creation and founders
- Mission and values
- The logo and its visual accompaniment
- Slogan and style of language used in a marketing campaign
- Association with the product or service provided
Can You Build a Brand Identity Yourself?
A professional approach is needed in everything, including building a brand. If you have never done this before, you may well get a good result. Or it may be just the opposite: no matter how much effort and resources are invested in creating a brand identity, consumers will lack any coherent idea about it. To understand what marketing moves will work and which will fail, it is essential to try to promote many companies. Then you will clearly see the most effective methods that strongly connect the brand in the perception of consumers with exactly the identity that you want to install.
What is Important to Consider When Forging a Brand Identity
- Don't neglect to tell the brand's story. Storytelling is the easiest way to hook the emotional strings of consumers.
- Don't make the brand faceless. The company should have personalized founders. They don't need to be brought to the fore. However, if the consumer wants to know about the founders of the company, he should easily find this information.
- Remember that a brand has a voice. This is the tone in which you address consumers. It must be maintained and individualized.
- Expand the presence of the logo and corporate colors. Let them be on the packaging, such as customized tissue paper printed with the logo, on every page of the website, on small souvenirs that you give to loyal consumers.
Brand identity is not a frozen statue. It can evolve and change with the passage of time. However, the core must remain. This is the brand itself, backed by the deeds of its creators and the loyal attitude of strong adherents.


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Scale is among the hardest pests to manage. Even pesticide sprays become less effective on them because of their protective shells. What's more, those insects don't move and have dull colouring. They stay hidden from our eyes while secretly damaging your pothos plant.
So how do you tell if pothos have scale insects? What can you do to get rid of them? Keep scrolling down, and you will find the answer.
Scale insects cause severe issues for your plant. So once you determine that some vines have those bugs, follow these steps to get rid of them:
If the infestation is minor, you can skip this stage and progress to the next one. But if you notice large issues, remove the infested parts as soon as possible. Use pruning shears to cut off the damaged plant sections when you see a clump of scale bugs.
In extreme circumstances, this task can involve severely pruning your plant. But if you handle it correctly, it will recover much stronger. After pruning all affected regions, dispose of the trimmings in the garbage rather than the compost.
You can't trim off all the infested parts of your plant. For the remaining scale, soak a cotton swab in rubbing alcohol and use it to remove the scale. Instead of dipping the cotton swab straight into the bottle of rubbing alcohol, you should pour the liquid into a container.
The alcohol can remove and kill stubborn scale insects. You need to scrub the harder ones off the plant with your fingernails. This step takes more time than others because you must check every section and corner of your plant. Make sure you access and work on all of them.
Some people wash the plant in a container or sink to eliminate the scale. However, this method may risk overwatering your plant. So, you can use a damp cloth instead. Moisten the microfiber cloth and use it to wipe the stems and leaves of your plant.
The cloth material can collect dead scales that you fail to remove with the cotton swab. While wiping the plant leaves with the cloth, continuously rinse it out. Also, apply mild pressure, or you will distress the plant.
Your plants will be free of adult-scale insects when you follow the previous treatments. However, rubbing alcohol and pruning shears can only deal with the soft scale. Younger-scale insects are harder to detect. Hence, they may remain. You need to spray insecticides to remove them from the plant completely. You can use insecticidal soap for this step. It works best in the crawler stage, as the scale hasn't developed its protective shells. Thus, we recommend insecticidal soap to treat this insect's eggs.
However, you should check the quality and reliability of the insecticidal soap. Some manufacturers offer products that end up harming your plant. Horticultural oil, especially neem oil, is an excellent insecticide. Its natural ingredients pose no stress on the plant while killing scale effectively. Neem oil also has a profound effect that aids in future insect prevention. Many pothos lovers keep this oil on hand to treat pests too. The oil concentration is cheap and comes in bottles that last a long time. You can mix the oil with mild soap liquid and pour it into a spray bottle.
Instead of using neem oil, you may try a pre-mixed horticultural oil. It's also effective at removing these insects. It would be best to test the neem oil solution on some leaves first and observe how your plant responds to the treatment. Also, separate the infested plant from other plants while spraying neem oil. Perform this task weekly until the infestation disappears.
First, you should comprehensively know everything about the scale of this houseplant. It includes what it is, how it looks, what causes the problem, and lastly, the signs the plant displays to you.
Scale resembles a plant disease in appearance. However, it is an infestation caused by 7,000 different kinds of sap-sucking insects. Scale insects develop better in indoor plants because they don't have natural predators. Unlike beneficial insects, they harm the leaves, stems, and entire plants.
Scale insects are hard to detect on plants. They look more like an odd growth on the plant than a bug. Those scale bugs are tiny, about 1/16 to 1/8 inches long. They have a flat oval or circular shape. You can find them on the foliage and stems of the pothos. They can also cause holes in Pothos leaves.
Without their natural predators, scale insects gather on plants and reach a certain size. Then, they become quite noticeable. They can be any hue, such as white, tan, or brown.
Too much humidity is the primary cause of scale on indoor plants. Scale insects find this condition ideal, as they love honeydew droplets on the leaves. Particular insects that feed on honeydew will stick to the leaves. They would dry out and perish without moisture.
Overfertilization is another potential cause. The foliage on the plants will become weaker, thinner, and more vulnerable to insects if the soil contains an overwhelming amount of nitrogen.
To identify scale insects on plants, please check for these signs:
Scale infestations cause severe damage to indoor and ornamental plants. Sadly, your pothos belong to both groups.
Scale insects attack plant cells when they extract plant sap, depleting nutrients necessary for their survival and development. Yellow, wilting, or lost leaves, reduced energy, stunted growth, and withered branches are all signs of scale damage to the plants. Weaker plants will be more susceptible to harm from adverse weather conditions or other diseases. They may die in the worst circumstances, and the leaves may turn brown.
The upper side of leaves is where sooty mold often grows. If you notice a black coating on the foliage or stems, ants, or yellowing leaves, the pothos plant must suffer from sooty mold. The mold also hampers photosynthesis, an essential process for a plant to grow and stay healthy.
The best way to deal with scale is prevention. Bear in mind these tips to help your pothos thrive:
Remove any debris around the plant base and surrounding areas. It may carry an infestation, weakening your pothos over time.
Before placing new plants next to other plants, inspect them carefully to avoid spreading houseplant pests.
Healthy pothos plants are resistant to diseases and pests. Also, keep it watered regularly during hot days to prevent heat stress and drought.
It's easier to get rid of scale soon because you just need to deal with the soft forms of this kind. Hence, establish a routine to check up on your pothos while doing other gardening chores, such as watering or fertilising.
Scale insects, like other houseplant pests, are annoying and dangerous to your pothos. Hence, you need to check for signs carefully and then get rid of the scale on the pothos plants as soon as possible. Hopefully, the pothos can recover healthily. Please comment in the section below if you have any questions about this topic. We will get back to you soon.
How long does it take to treat scales that harm your pothos?
You can completely get rid of scale infestations after one treatment. Hence, we recommend applying horticultural oils to your plant for seven to ten days until all signs of infestation have gone.
How to make scale spray at home by yourself?
You can mix neem oil and organic liquid soap in a spray bottle, then add water to the mixture. After that, shake the spray bottle thoroughly and spray it on your infested plant.
Can we save severely infested leaves?
Yes. For a severe infestation, natural solutions won't work. You should go for a systemic insecticide, but it may be harmful to plants and yourself because of the toxic chemicals. It will also kill beneficial insects on the plant. If you want to save your badly infested plant, dilute the systemic insecticide with water, spray the solution onto the foliage, and carefully watch how the plant reacts.


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Apart from Nawaz and Radhika, the film also stars Shweta Tripathi, Ila Arun, Tigmanshu Dhulia and Swanand Kirkire in the pivotal roles.
01 May 2019 12:12 AM
The casting director known for his sharp sense has also produced Konkona Sen Sharma's Death In The Gunj.
12 Aug 2018 12:08 AM
Nonetheless, Honey is now all set to helm his debut project, which will have Nawazuddin Siddiqui in the lead.
15 May 2018 12:14 AM
Buzz is that Richa was the last to get on board Fukrey, and the producers were even looking for a back up option for the part.
22 Nov 2017 2:49 AM


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Manchester City starlet Jadon Sancho looks certain to leave Manchester City this summer, with a host of clubs across Europe interested in signing him.
According to The Telegraph, his future at the Etihad is in serious doubt after he failed to appear at a number of the club's training sessions, despite staff's attempts to contact the youngster.
The England Under-17 international is believed to want a move to a club which can offer him regular game-time in the future - something which is unlikely at City with the attacking options in their squad.
The 17-year-old winger is reportedly yet to sign a new £30,000-a-week contract offered to him by City, which has alerted the likes of Borussia Dortmund, Red Bull Leipzig, Tottenham and Arsenal.
The Gunners have been monitoring Sancho's contract situation at the Etihad for the past year and could hold a certain advantage over other interested clubs.
Arsenal's Reiss Nelson is thought to be extremely close friends with Sancho, and it is hoped that their relationship could help sway the England U17 international into moving to the Emirates.
Romelu Lukaku says "best friend" Paul Pogba played a "big role" in his decision to sign for Manchester United, and Arsenal could benefit from something similar.


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Oracle (ORCL - Free Report) is one of the stocks most watched by Zacks.com visitors lately. So, it might be a good idea to review some of the factors that might affect the near-term performance of the stock.
Over the past month, shares of this software maker have returned +12.5%, compared to the Zacks S&P 500 composite's +7.6% change. During this period, the Zacks Computer - Software industry, which Oracle falls in, has gained 13.6%. The key question now is: What could be the stock's future direction?
While media releases or rumors about a substantial change in a company's business prospects usually make its stock 'trending' and lead to an immediate price change, there are always some fundamental facts that eventually dominate the buy-and-hold decision-making.
Earnings Estimate Revisions
Here at Zacks, we prioritize appraising the change in the projection of a company's future earnings over anything else. That's because we believe the present value of its future stream of earnings is what determines the fair value for its stock.
We essentially look at how sell-side analysts covering the stock are revising their earnings estimates to reflect the impact of the latest business trends. And if earnings estimates go up for a company, the fair value for its stock goes up. A higher fair value than the current market price drives investors' interest in buying the stock, leading to its price moving higher. This is why empirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock price movements.
Oracle is expected to post earnings of $1.32 per share for the current quarter, representing a year-over-year change of +9.1%. Over the last 30 days, the Zacks Consensus Estimate remained unchanged.
The consensus earnings estimate of $5.52 for the current fiscal year indicates a year-over-year change of +7.8%. This estimate has changed -0.5% over the last 30 days.
For the next fiscal year, the consensus earnings estimate of $6.15 indicates a change of +11.4% from what Oracle is expected to report a year ago. Over the past month, the estimate has changed +0.5%.
Having a strong externally audited track record, our proprietary stock rating tool, the Zacks Rank, offers a more conclusive picture of a stock's price direction in the near term, since it effectively harnesses the power of earnings estimate revisions. Due to the size of the recent change in the consensus estimate, along with three other factors related to earnings estimates, Oracle is rated Zacks Rank #3 (Hold).
The chart below shows the evolution of the company's forward 12-month consensus EPS estimate:
12 Month EPS
Projected Revenue Growth
While earnings growth is arguably the most superior indicator of a company's financial health, nothing happens as such if a business isn't able to grow its revenues. After all, it's nearly impossible for a company to increase its earnings for an extended period without increasing its revenues. So, it's important to know a company's potential revenue growth.
For Oracle, the consensus sales estimate for the current quarter of $13.05 billion indicates a year-over-year change of +6.3%. For the current and next fiscal years, $53.58 billion and $57.8 billion estimates indicate +7.3% and +7.9% changes, respectively.
Last Reported Results and Surprise History
Oracle reported revenues of $12.45 billion in the last reported quarter, representing a year-over-year change of +8.8%. EPS of $1.19 for the same period compares with $1.03 a year ago.
Compared to the Zacks Consensus Estimate of $12.45 billion, the reported revenues represent a surprise of 0%. The EPS surprise was +4.39%.
The company beat consensus EPS estimates in each of the trailing four quarters. The company topped consensus revenue estimates three times over this period.
No investment decision can be efficient without considering a stock's valuation. Whether a stock's current price rightly reflects the intrinsic value of the underlying business and the company's growth prospects is an essential determinant of its future price performance.
Comparing the current value of a company's valuation multiples, such as its price-to-earnings (P/E), price-to-sales (P/S), and price-to-cash flow (P/CF), to its own historical values helps ascertain whether its stock is fairly valued, overvalued, or undervalued, whereas comparing the company relative to its peers on these parameters gives a good sense of how reasonable its stock price is.
The Zacks Value Style Score (part of the Zacks Style Scores system), which pays close attention to both traditional and unconventional valuation metrics to grade stocks from A to F (an An is better than a B; a B is better than a C; and so on), is pretty helpful in identifying whether a stock is overvalued, rightly valued, or temporarily undervalued.
Oracle is graded C on this front, indicating that it is trading at par with its peers. Click here to see the values of some of the valuation metrics that have driven this grade.
Bottom Line
The facts discussed here and much other information on Zacks.com might help determine whether or not it's worthwhile paying attention to the market buzz about Oracle. However, its Zacks Rank #3 does suggest that it may perform in line with the broader market in the near term.


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Just to further debate …
Posted by Phil Chett on 12 Mar 2009 09:36, last edited by GoVegan on 09 May 2010 05:43
What the hell is it?
Basically it puts Google ads on your wiki pages. From this you can earn revenue.
What do i get out of it?
Money! every time someone clicks on these ads, you get 80% of the revenue generated. Wikidot gets 20%. this income goes to supporting Wikidot.
What control do i have over over ad placement?
I'll repeat that. Total.
And for the hard of hearing…
Setting it up.
Go to your site manager
look for "Monetize($$$)" near the bottom of the list. Click it, then you will see AdSense. click it.
Then you will see a link for the AdSense config panel. click it
You are then sent to YOUR AdSense account.
in the left panel look for configure sites
click it.
You should now be given a list of sites that you have control over.
look for the name of the site you want to configure, and click the configure link.
You will now be given a "configure the site for ads" link. guess what… click it
then click "create first ad unit"
Now it gets interesting!, as you have choices to make :-)
Ad placement and set up
there are two types of ad placement.
1: predefined
Using the Predefined button, you will be able to use the auto placement method from the drop down menu just below it.
There is even a little picture showing you where the ads will go depending on where you pick from the list.
Scrolling down the page a little takes you to the TYPE of ads you will use, followed by the controls for colours used in the ads, with a little display showing how those colours would look.
Note that the Below page content or Below the footer are the less intrusive add placements; AdSense Link Units are merely noticeable.
2: custom
Using this button gives you TOTAL control on WHERE to place your ads.
Note , when you use this option the positioning picture disappears. this is because YOU control where they go.
Fill in the box where it asks you for a "label". eg.. MyAds
Configure the ads the way you want, and apply any colours to them
the last step of this is crucial. without it the ads wont display .
On your wikipage, chose the position where you want the ads to display and add the following code.
[[module AdSenseUnit label="MyAds"]]
You can create as many different types of ad as you like, mix and match both pre and custom types.
Once you have set up the ad placement you can always go back to it and make any changes you like.
What do I do do with all the money?
Google will send you a cheque once you have earnt $100 (USD)
There is a procedure that you have to go through to verify who the hell you are and where to send the money.
Once you have the cheque sign the back of it with the words " pay this to Phil"
PM me and I will PM back my address to send it to.
PS. I have a few "ordinary sites" I had no idea how to put ads on them.
Though this , i found out how to do it, and my "other sites " are included in my AdSense control panel. (You get 100% of the money from non wikidot sites)
Related links
- Wikidot:FAQ on AdSense
- Wikidot:Advertising
- Wikidot:Earn money from your Wiki with AdSense
- AdSense.google.com
- AdSense formats
- AdSense links format
Phil Chett. Please visit his/her userPage.


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Certain discover a bona fide and you will genuine payday loan on the web. Most of the credit system we've got looked at now try genuine and you may functions which have genuine loan providers to deliver genuine online payday loans.
There's something that independent genuine lenders. These lenders must have a licenses to operate and you may give money in your state. Only a few bank sites are employed in all the states, so be sure to look at the terms and conditions and determine in the event that the fresh new network can help you.
If you are not yes if a pay-day financial circle try legitimate and can legitimately work in a state, contact the fresh new attorneys general place of work to suit your condition for more information. Certain businesses present by themselves towards the tribal house if you don't offshore so you can top condition guidelines.
You should never do business with a loan provider or network one to does not have any a legitimate permit to perform. These firms almost certainly don't pursue user guidelines built to include your and you can typically have large rates of interest or unjust penalties you simply cannot pay for.
What kind of Mortgage is actually Easiest to find?
Fundamentally, the smaller the mortgage your demand a lot more likely you are to find acknowledged because of it. Borrowing as little of money places less risk towards the the lender versus a massive mortgage. Loan providers also consider your credit history and you may credit rating whenever determining to agree a loan or perhaps not. A minimal credit rating generally form having to pay high focus cost than just someone with a good one. Such as, some body that have a less than perfect credit score anywhere between three hundred and you can 579 you can expect to pay up how many payday loans can you get in New Jersey in order to 32% Annual percentage rate if you find yourself anyone having a good rating off between 760 and you may 850 has only to blow ten-12% Annual percentage rate.
Just about every financing circle we checked out today have lowest minimal wide variety for the money improve loans, have a tendency to as low as $250. Do not has actually far issues, or no, bringing recognized for a financial loan that quick even though you possess a poor credit get. The simplest standards are making at least $step one,100000 30 days and having become operating at your work to have about ninety days.
If you're looking to help you borrow many hundred or so bucks, you'll routinely have showing a little bit more. Lenders commonly consider carefully your credit history and your work history prior to giving financing of better number. This consists of evidence of some possessions had otherwise income generated out-of a career. Such files vary from a lender report, shell out stubs, income tax variations, or other similar files that show your financial balance.
In the event the you can find any questions concerning the accuracy of the lender or your application, see if they're going to help to get choices. Payday loan will always readily available for short-term funding demands thus do not let you to setback put a complete financing investment in jeopardy.
Should i Come across financing which have a credit history out-of 450?
A credit rating regarding 450 are lower, but the very good news is you you certainly will nevertheless pick financing thereupon credit history. The newest downside would be the fact you'll likely pay a top rate of interest than simply might if you had a better credit score otherwise most readily useful credit history.
A lot of people features a credit history ranging from 300 and you can 850. A score ranging from 300 and 550 represents sub-standard, leading to the highest interest rates. A rating regarding 450 is much below the federal mediocre to possess Western fico scores.
Around 277% of individuals with a get out-of 450 enjoys credit histories connected with going 39 months or higher past-due on the at least one payment in earlier times 10 years. People who have that it credit history also have the typical application rates out of 127.9%, definition he or she is using 31% over the using maximum that have credit cards and other borrowing traces. You need to keep the credit use lower than 29% to steadfastly keep up a healthy and balanced credit score.