يقع في مركز مدينة أوكلاند, The Sebel Suites Auckland إنه المكان الأنسب لاكتشاف أوكلاند و ما يحيطها. يمكن من هنا للضيوف الاستمتاع بسهولة الوصول إلى كل ما تقدمه هذه المدينة النابضة بالحياة. يشكل هذا الفندق ملاذاَ مريحاً للاسترخاء ويمنح زواره فرصة للاستجمام والتجدد، وهو يقع على بعد خطوات من المعالم السياحية الكثيرة للمدينة كمثل: زاي ام سي ايه اوكلاند, فيادكا باسن, تيبيد باث.
إن حسن الضيافة والخدمات الراقية التي تعرف بها Accor Hotels تغني تجربتك في The Sebel Suites Auckland. هذه بعض الخدمات الموجودة في هذا الفندق: خدمة الغرف على مدار الساعة, مكتب الاستقبال على مدار الساعة, تسجيل وصول/خروج سريع, تخزين الأمتعة, صف السيارات.
يمكن للنزلاء الاختيار من ضمن مجموعة من الغرف المصممة بعناية لتعكس جواً من الراحة، والتي يتجاوز عددها 124. إن حوض استحمام ساخن, مركز للياقة البدنية هو المكان الأمثل في الفندق للاسترخاء وتفريغ طاقتك بعد نهار طويل. إن كنت تتطلع إلى إقامة مريحة وهادئة في أوكلاند، فستجد في The Sebel Suites Auckland بيتك الثاني.
Good hotel within walking distance to city centre, harbourfront, attractions and restaurants. Good views of the harbourfront. Rooms were well maintained one bedroom suites with kitchenette. Helpful staff! Would stay again.
The location is great and the double glazing great for stopping the noise from the Viaduct nightlife. Overall the décor is showing signs of being tired and the internal doors, kitchen units a bit scuffed and don't close neatly. So for the price charged - I would expect a better level of fitout. The car parking spaces are tiny - my recommendation would be to have a city run about - certainly not a family saloon if you want to park at the Sebel.
Honestly this is a great hotel to stay in, with exceptional cleanliness and spacious rooms. Unfortunately however the wifi situation is extremely dated and expensive, ditto calling rates - with no guest information book provided in the room, a bit of a nasty shock at check out paying $44 for a five minute phone call. Apart from that, great place!
We spent 3 days in a marina view suite. It was very comfortable and clean with great facilities to self cater including an oven and dishwasher. We loved the view of the marina from our suite and trying out the variety of good restaurants on the marina. It is also well located for the ferry port. We will stay there again when we visit Auckland.
The hotel staff was extremely helpful with handling our luggage. We had a tight schedule, dropping off our luggage and getting to an appointment. The staff took our luggage and transferred it to our room when available. The room was large and very comfortable. Again the staff was most helpful from our first walking through the door all the way to our exiting the hotel after checking out of the hotel. We highly recommend the hotel and should we ever return to Auckland, we will stay there.
The best thing about this hotel is the ability to visit bars and restaurants close by and sign for drinks and meals to you room account. Great for business and leisure, everything walkable, there is nothing to dislike about this hotel, great reception staff too! Taxis if needed always outside. All in all great value for money.
Fantastic location, directly at the Viaduct. Just beautiful there, with a lot of things to do. Of course great food everywhere around. One cool feature of the hotel, you can eat at several restaurants around the hotel and book it to your room. Large and comfortable rooms with a small kitchen to take care of yourself.
the staff at the front desk were very attentive and the location was great. i walked to all the various restaurants and harbor front sights. the rooms were impressive and very well decorated. i was very pleased with my stay.
Perfect location by the Viaduct Wharf. Back hotel door connects to the wharf of restaurants row. Stayed in Studio room. Clean and decent room with microwave and washing machine. Too bad no free wifi in the public area.
Excellent facilities. Great New Year's Eve location.
Ideal unit. We entertained some friends who needed to go through a security check to get to our room - we were impressed with htis aspect of our stay. We also appreciated the convenience of off street undercover parking facilities.
booked a room to celebrate my partners birthday. from the time we checked in to check out the stay was perfect. it was nice welcome, the room was perfect (ample space - a lounge and a seperate bedroom, nice bath and the other facilities in the room), good view. the only small bad point - we asked for milk in the morning and said it would be available in 10min or so but had to call a second time after 25min to have it delivered. but apart from that small glitch - it was perfect.
A lovely quiet spacious room. Located nice and close to all amenities. Was perfect for our needs as we had an important function at the Hilton hotel. Was a short ten minute walk away. The staff were friendly and helpful. When an issue arose with our shower it was fixed very quickly with very little if any disturbance to us. we found the staff polite and friendly.
our room was lovely and tidy. enough space for the two of us. the location was so close to the viaduct and restaurants/bars which was fantastic. car parking was ok - had a bit of a tight space being last in.
this was my second stay at the sebel suites. its clean, the staff are very friendly and helpful. my studio room was big, clean, quiet (despite being so close to the bars, restaurants and cafes) and very comfortable with everything i needed, including washing machine and dryer! its a short walk into auckland city business district and a number of the cafes/restaurants allow you to charge back to your room.


Analytics in Banking – What are the next avenues of value addition?
This is what many CXOs quote. One of the most effective ways to do this is by identifying, analyzing and harnessing the knowledge within the organization. This can be done by leveraging the power of analytics, predictive or otherwise. However, there is often a misconception that terms like Big data, Analytics, Data warehouse etc. are more apt for IT industries. Truth being, they are equally applicable to financial sector as well – especially banking industry.
Banks are considered richest, not only in terms of money, but also in terms of data. They have huge volumes of data from various sources, generated at a high pace. This raises two key problems – Data storage and Data Management. Even if the data is stored, it is usually scattered and difficult to access.
The much talked about "Digital transformation" in Banking has led many players to adopt technologies like digital and mobile banking. However, for better decision making and customized offerings, banks need to go further than that. This is where analytics steps in.
Banks can utilize the power of analytics for various functions, right from customer segmentation and profiling, to sharpen risk assessment and drive revenues.
The traditional Business Intelligence solutions which were initially used are now replaced with advanced analytics, for functions such as risk management, business strategy, fraud analytics, etc.
By analyzing transaction patterns, banks can gain actionable, real-time customer insights. These insights can be used to improve customer engagement by offering customized products at individual level.
Scorecards based on customer recovery status, data mining and reporting are some of the other analytical applications.
The need is to go deeper than the surface-level information to uncover the valuable customer insights hidden within your data.
So what benefits can analytics provide?
At Pentation Analytics we aim to make sense of large data for enterprise decision making. Our expertise in the banking industry helps us to combine predictive and operational intelligence technology for business benefits. In the banking space, we specialize in Big Data consulting and implementation, data warehousing, loan analytics and customer analytics.


There's a moment near the end of law school when your law school drops a bomb on you. Not a literal bomb. But when you see the envelope the bomb arrives in, you'll wish there was dynamite involved.
I'm talking about when you receive the final tally of all debt accumulated during the preceding three years of law school.
Inside my envelope was a letter that said I had accumulated $129,000 in debt in the preceding three years.
But that wasn't all. I had been on a tear, running up debt for the prior five years.
Between two trips to graduate school (both my wife and myself), a rental property, a condo, a wedding, a honeymoon, and a new car loan, we had run up $755,000 worth of debt. We were educated, but making dumb financial decisions.
The irony is my wife is actually very frugal on a day-to-day basis — and she's taught me to be frugal as well. We rarely eat out, buy groceries on sale, pack our lunches, and rarely get expensive lattes. But it was the big items that were sinking us. So, we decided we had to get our debt under control.
Our first step was to catalog what damage had been done. We started by adding up all of our debt, lines of credit, and mortgages. I felt like an insurance adjuster walking amongst the wreckage of a home that had been leveled by a natural disaster. Except this disaster was of our own making.
The total dollar figure was shocking, but not unexpected. And adding it all up helped us to move to the next step.
Our second step was to evaluate what debt we should pay down first. Around this time, I began reading as much personal finance advice as I could get my hands on. I began by reading Get Rich Slowly, I Will Teach You To Be Rich and other financial advice blogs, and soaked up advice from Dave Ramsey, Clark Howard and other financial gurus.
Unfortunately, we weren't able to pay down much of the debt right away, because the job market as I graduated from law school in 2007 was bleak. I worked for a few years for small law firms, which paid equally small salaries.
Here was the worst part: I hated it. I had always harbored a burning desire to work for myself, and working in a stifling and stuffy law firm environment was like throwing kerosene on that yearning. I was torn between a paycheck and a passion.
Rental property We had a small rental property in Sacramento, about two hours' drive from our house. Rents had gone down so we were absorbing a $300-400 loss each month. Plus, my wife hated being a landlord. It was a bad combination.
Condo Our highest debt by far, we knew we knew we would need a larger home sooner or later.
New car loan We were paying 4.5 percent interest on a Toyota Prius, which was our highest interest rate. The car actually saved my wife hundreds per month in gas. But we knew paying off this loan was most manageable.
Graduate school debt My law school and my wife's graduate school debt added up to about $150,000, but the interest rates were low. We knew this was our lowest priority debt.
The problem for us was that most traditional financial advice wasn't helpful.
The most common advice aimed at people who are in debt is to "pay off credit card debt first." That didn't really help us because we didn't have any credit card debt. We did have an equity line, which for a few years was treated by many (including us) like a credit card.
The second most common advice we heard is to pay off the high-interest debt first. Thanks to historically low interest rates at the time, almost all of our interest rates were very low. As a result, we weren't sure where to start.
Then we got news that lit a fire under both of us. In early 2010, we found out that we were going to be parents for the first time. We were filled with excitement and plans for the future, but we were nervous about having a new mouth to feed.
Next, our tenants told us they would be moving out of our rental property. The real estate market was horrible at the time and the neighborhood surrounding our rental had more than its share of foreclosures and short sales.
If we sold the property, we might have trouble getting a price that could pay off the existing mortgages. Yet we knew if we found new tenants, it could be another couple years of losses before we would have the opportunity to try to sell again without tenants living in it.
We decided to bite the bullet and sell.
First, we had to spend $3,000-$4,000 to fix up the property and prepare it for sale. Many newly pregnant women dream of spending days and nights decorating the new baby's nursery. Instead, my wife and I spent days and nights at Home Depot and fixing up our vacant rental. We did most of the work ourselves to save money. My wife was a good sport, probably because being pregnant got her out of most of the heavy labor.
Then we caught a lucky break: buyers were actually attracted to our property because it was one of the few non-short sales in the neighborhood, meaning they knew they could close without needing to wait for bank approval. As a result, the property sold rather quickly. We had enough from the sale proceeds to pay off the mortgages and pocket a small amount. The investment in fixing the house up had paid off.
Three months later our son was born. Mom was happy he wasn't born a landlord.
About a year later, our son was just about to turn 1 year old and I was itching to quit my job and go to work for myself. We still had plenty of debt, but had managed to whittle it down to around $560,000 by selling the rental, which freed up funds to pay down more debt.
Again, the financial advice seemed to fail us. Conventional wisdom would have been to refinance our condo mortgage, but our interest rates were already historically low. Plus, it was the square footage and communal living that bothered us the most.
I considered getting a job on the side, but knew that wasn't a realistic possibility, especially with a young son at home I wanted to see.
Around this time, we visited a financial adviser to get some advice. How we got this financial adviser is a funny story. My wife went on biddingforgood.com and found a financial adviser who was auctioning off a series of meetings with him for his son's preschool.
We had no affiliation with the preschool but we bid on and won the package anyway. (Bidding for Good is a great way to buy services at a discount and to support good causes.) Valued at $1,000, we got three meetings for a flat $100. I thought it was the ultimate cheapskate's achievement to get $1,000 worth of financial advice for one-tenth of the cost.
The adviser said I shouldn't start my own firm until we had $100,000 in savings. It was probably good advice — but I knew it would take me years to save that amount, and I couldn't wait that long.
I tracked the revenue I brought in. I closely watched what clients and revenue I brought in to the firm, because I knew I could at least count on that revenue if the clients came with me.
I researched low-cost overhead options. I spent time researching low-cost or no-cost software, hardware, and technology for my new business.
I learned to fend for myself. I made sure I knew how to do everything myself so I didn't need to pay for a high-priced assistant.
After about six months of doing this research, I knew I was bringing in enough money to quit my job. I quit in September 2011 — right around my son's first birthday.
Fortunately I was busy right from the get-go, and most of the clients I worked with at my prior firm decided to come over with me. As a result, we were able to pay off the car loan.
After I got established with my new business and was starting to accumulate some savings, our next big hurdle was to sell our condo. After nine years in the cramped two-bedroom, one-bath condo, we were ready for a change. The only problem was the condo association had recently been through a recall election, which killed a lot of interest in the unit.
Interviewing real estate agents. We interviewed numerous real estate agents to find an agent who was a good fit for us and familiar with the neighborhood.
Researching comps. We poured over recent sales to find comparable properties' final sale price to estimate how much we could expect to receive in proceeds from the sale.
Interviewing painters, stagers & other professionals. We interviewed many professionals whose services we expected we would need.
Putting excess furniture and clothing in storage. Over nine years we had accumulated a lot of stuff. We sold off or stored a lot of these items.
Finding a rental. The condo was too small to live in while we were selling it, especially with our toddler son. So we found a reasonably priced rental.
After we moved out, the workers moved in. All told, we spent more than $10,000 on paint, repairs and improvements. That was a bitter pill to swallow, but we knew if we hadn't spent the money we could have waited six months or longer to sell it.
Interest was slow at first, but after about three or four months, we found an all-cash buyer. Our agent definitely earned her commission, as the homeowners association's liabilities were a barrier too high for many potential buyers.
It felt strange going from being a landlord for many years to being a tenant again, but the satisfaction of paying off all that debt was definitely worthwhile.
After we closed escrow on the condo, we had eliminated about 80 percent of the debt from our high of $755,000. We still have law school and graduate school debt, which fortunately is the lowest interest rate of all our debt. So we're not there, yet. But it feels like we've made great progress, and that's half the battle.
Best of all, our son loves having more space to run around in, and enjoys playing on a new play structure in our new backyard. And you can't put a price on that.
There are 57 reader responses to "Reader Stories: How I paid off $610,000 in debt, became a dad and quit my job — in 2 years".
Most of your debt was eliminated by selling two properties that you had equity in. I was expecting to read some interesting tips about paying down debt, but this was just shifting your equities/liabilities line around a bit. Don't get me wrong, it was an interesting article and I enjoyed reading how you got the properties ready for sale, but I found the subject line misleading.
I'm not sure what you mean by deferred mortgage debt, and yes, we are renting now. I am still a fan of homeownership and plan to buy property again, although I hope the next time to put a larger chunk down so the amount financed is not as great.
Ah, did I confuse people there? Maybe a bad choice of words on my part. What I mean is that you repaid your mortgages, but you don't have a paid off home so the mortgage debt is "deferred" in way because you're waiting until it's the right time to buy and take on debt again.
To explain, I don't think of myself as "debt-free" because there will (hopefully!) be a mortgage in my future. Renting makes sense for me right now, my mortgage is on hold.
I actually liked the perspective. So many "paying off debt" articles are things like "well, I just made more money, tightened my belt, and went at it." I appreciated hearing that being landlords wasn't the smartest move, so they sold. And they didn't just sell each time — they put money into fixing up the properties to really get top dollar.
I feel like so many PF articles are about generating passive income or making more money, and it was nice to hear from one that was about getting rid of assets. Presumably, the author might have more breathing room for savings and thus be able to make a better downpayment when they do buy again down the road — after they've paid off their school debt.
Hi Leah — thanks for your comment. I'm glad you liked the perspective. I tried to convey that making more money is not always an option, and simple fixes like paying down credit cards often oversimplify a situation. In our case, it was a very difficult decision to sell both of our properties but I think it was the right decision at the time for us.
I felt a little bit the same way. Plus, there wasn't much about being a dad and related expenses. I'm not criticizing the article, which I enjoyed, it's more the title: most of the debt had equity, not much dad info, and he didn't really "quit my job" he started his own business (which would have been handy in the title).
I could do a "How I went from $80,000 in debt to $0 in 3 months" article. The total article would be that "I sold my home" (the end). I'd likely even pocket some money on the deal.
FYI, that would be a really bad move for me financially, my mortgage is lower than many apartments that would be smaller (and probably worse shape and worse neighborhood).
Hi Gary: I'm not suggesting that everyone go out and sell their homes to eliminate their debt. But in our case, the rental was dragging us down and we had outgrown the condo, so we had to sell both of them, even though I would have liked to hold on to them long-term. So we made the best decision we could for our financial situation at the time.
Hi Tracey: That's right, most of my debt was paid down when I sold off the two properties. However, as I think anyone who has owned property over the last four years can attest, just because your debt is secured by real estate doesn't mean it is always an asset that is easy to liquidate. What I tried to convey in this story (perhaps not well enough) was that it's not always simple to get out of debt, especially when you have properties of questionable value. Thanks for your comment!
I have to admit that big number certainly got my attention! More so, it's an impressive feat to recognize "hey, we made these mistakes" and "this isn't working for us — let's change it." The more of these types of stories I read, the more I realize the number doesn't mean as much as people admitting they made mistakes and taking responsibility for their actions.
What I don't understand is how it was possible to take on that much debt in the first place? Don't get me wrong: that question isn't a criticism towards John. I'm just wondering how the U.S. financial system made it possible to have two mortgages, a large line of credit and a car loan before he had even finished his education?
I was just thinking the same thing. Then again, it sounds like these purchases took place before the bubble burst. I don't think this could happen in 2013.
I graduated from law school in 2007, so most of these loans were obtained prior to that. However, I have to say I think this could happen again. Both of the home loans were primary residence loans when I obtained them, which are generally easier than rental property loans. And it's not hard to get loans for grad school or for a new car purchase.
I wanted to hear more about how you racked up that debt too, so thanks for the additional info.
Hi Elizabeth – thanks for your comment. Glad you liked the piece. I hope others will agree with you and focus on taking responsibility and taking action toward righting the ship if they find their ship sinking.
I agree with the first reader who said all he did was shift around his debt by selling his condo. I too was expecting to see some tips on paying off "regular" debts such as student loans and what not.
I found this article interesting. I relate to the wife's feeling of not wanting to be a landlord. A lot of people get into rental properties without knowing the day to day time consuming drudgery of all that's involved. We live in an expensive part of the country. So all of our debt is in the mortgage with a tiny student loan and a 0% car loan and a small 401k loan. There is not a lot of advice out there for financial moves when you have low interest debt. I think our priority would be accelerated payments for 401k loan and possibly for the mortgage as well.
Frankly I'm glad it turned out to be something ordinary (paying off debt with equity). If it had been an article about someone with the income to pay off "regular" debt in that time frame I'd have been ticked off that the site owners were so out of touch.
I became a little disenchanted with one other blog when I realized that the owner saves more money in a month than I can save in a year. I'm an aggressive saver, so it basically comes down to he has more income than he knows what to do with. While "money sense" matters at all income levels, certainly the questions are a bit easier when you essentially want for nothing.
Looking again, I see many people are talking about the title being misleading.
"Why I decided to sell my two homes to get out of $600,000 in debt" would have still had a draw and been more accurate (again, still just selling their equity but more accurate) and people actually looking for information that was relevant to them would not click on the article (if they don't have homes to sell).
Hi Gary — Good suggestion. That could have been a good title for the piece as well. Thanks.
My takeaway is that the debt numbers are huge, but John's INTENT to simplify and change his situation (triggered by a newborn son and need to run his own business) is key. Relative to his income, it is a high-risk situation, and it's amazing how the American lifestyle and market has allowed this level of debt to be common in many cities, as John's story will testify.
It takes work to sell a home! So having to do it twice with child is no easy task. Hey, it's a huge start! Just wait til you lighten the student load debt. You will have unbelievable piece of mind…. Here's to continued progress. Most docs and lawyers have too much ego to downgrade the lifestyle. This must have been humbling enough. A lesson learned that materialism isn't what it's cracked up to be under the wrong circumstances. Income is relative.
As someone who has nowhere near $600,000 in assets or debt, it wasn't really helpful for me. I also assume his income was well into the six digits, something I will never experience as a public schoolteacher. When I see the word "debt" I think of unsecured debt…the kind that can't be paid off by selling it. If you owe less than it's worth (as long as there is a market to sell it), it's not significant debt in my mind.
I owe as much on my house as it's worth. I have decades till I can pay it off, but it's not negatively affecting my net worth, and I'm not too concerned about it right now. Plus, I'd have to pay for housing one way or the other; at least the money I pay is going toward ownership. Student loans are my only other debt. I can't sell anything to pay off my debt. I own three cars, but two are ancient and not worth much except to my college-aged kids who are driving them.
I have a great amount of respect for schoolteachers, and I highly agree they are underpaid. In fact, my wife works at a public community college as a faculty member so technically, she is a public schoolteacher, though at a community college and not a high school or an elementary school.
We make a good living but not really well into the six figures. And when we sold the two properties, they were both right about even with the mortgages at the time we sold. In the case of the rental, the property ended up selling over what we owed on it, though with commissions we didn't really walk away with anything. The condo actually sold for a good chunk less than we owed on it, meaning we had to pay into escrow. I'm still glad we did it.
I'm glad you can stay in your home. In our case, we really couldn't stay in the condo as we'd really outgrown it. If we hadn't outgrown it, I probably would have said we shoudl stay.
John, you said you were two hours from Sacramento. If you're living in SF or close by, you must have missed a tremendous rise in price on your condo this past year, perhaps 20% or more. It would be hard to buy back in now considering the number of all-cash foreign buyers bidding on properties. What are your thoughts on that?
John, I admire your guts to do what was necessary to rebuild your financial life. While it makes me queasy to think of carrying that much debt in my own life, I know that my perspective is much different than yours because my income level is less.
I have friends (and used to be this way myself) who think that more income brings with it the responsibility (to our friends and family, mostly) to "fit the lifestyle" that comes with earning higher wages. I have a feeling that it still wasn't the easiest decision to restructure your lives by selling property and changing careers.
My story over the last few years is similar to yours, but on a much smaller scale. It's still a counter-cultural decision!
Hi FI Journey – thanks for your comment, and I'm glad you liked the article. You're right that it wasn't an easy decision deciding to sell the two properties. And it makes me queasy just thinking back to having as much debt as I did. I'm really glad to have most of it behind me (though not all).
Good luck to you – I'd love to read your "Reader Story"!
Rebalancing is an important tactic to employ with a portfolio of investments. Most folks know this already. But the significant impact that can occur when the liability side of the equation is rebalanced can often be overlooked.
John did well. He evaluated his priorities and restructured accordingly. He can breathe easy, knowing that his future income is his to do with as he pleases.
Hi Jan: Thanks for your comment. I didn't get too much into discussing liability, but you make a good point. With our rental property, we were at risk because a blown water heater or sewer line could happen anytime, which would be a significant expense. If that rental had more equity, it would have been a better risk. But because it didn't have much equity, and because the rate of increase in value was slow, the benefit did not outweigh the risk.
I think it's great anytime someone can paydown debt and live the life they want to live that's the real message out of this.
Fix up your house, sell a rental, get a side job, get out of something you don't like and do something you really enjoy, congrats to you.
There is not just one way to get out of debt, other than hard work. Thanks for the article.
Hey John! As a current law student about to graduate, I appreciate how 'calm' your article read. I was wondering though, what did you do with the student loan debt after graduating? Did you make minimum payments while focusing on other debt? Did any of the graduate school debt disappear at all? And if possible, could you share how you plan to pay off that large amount of graduate school debt? Thanks!
Hi Abhay – it seems like there's a lot of interest in that debt, so I'll have to do another post on that topic. The short story is yes I've paid down some of that debt, but it's a low interest rate so our initial focus was on the other types of debt.
You basically paid off your $8000 car loan in two years. This isn't incredibly helpful to most people who are looking for financial advice. I paid off $10,000 in student loans, $5000 in credit card debt, and $6000 in car loans in three years. It did not involve real estate shifting. It involved a lot of budgeting and overtime. I'm not trying to be harsh, but it doesn't seem like your dramatic headline fit your actual situation.
Hi Amber: You sound like you have an interesting story to tell – I'd love to hear more about how you paid off your student loan, credit card and car debt.
As for my car loan, that's right that it did take two years to pay off the car loan, but the larger point I was trying to make in the article was that sometimes a debt repayment strategy can be complicated when there isn't one highest-rate debt to tackle first, or when the dollar amount of the debt is so high it seems unachievable (even if some of the debt is secured debt). I hope those reading the article are inspired to try to pay down their debts anyways, in spite of the challenge.
Yeah? Well I just paid off 4 MILLION DOLLARS of debt by giving my wife back the money she never lent me.
Decent enough article but it's very hard to build trust with the reader when the headline is misleading for sensationalism.
BIGSeth: I'm sorry you didn't like the headline. It seems the general objection to the headline is that the $610,000 included a mix of secured and unsecured debt. I do not feel like I hid the fact that some of the debt was secured. I think many people who have sold real estate in the last four years will say that just because a debt is secured doesn't mean it's easy to sell.
I did not intend to pass off a judgment on others' achievements in paying down unsecured debt; I only intended to share my story and hope others found value or inspiration in it, in spite of the fact that some of my debt was secured.
4 Million Dollars! Surely you jest.
Hey, I remember you from your Sac days! Glad you're doing well.
I came over to the comments of this article to write the same thing that many others had already written.
The title of a blog article is so important, you want to bring as many readers as possible to read the article, without ticking them off. In this situation, it seems many of us feel pretty misled. Having a child had nothing to do with anything. And its not like you actually paid off tons of debt and then were able to quit your job, either. You simple sold a house. Just doesn't seem genuine, after reading the article.
If I buy a ridiculous car with a $50k loan, and then decide to sell the car, and clean it up, and advertise it, and sell it at basically break even… did I pay off $50k? I still don't have a car and now I'm renting one! I simply sold an asset that didn't suit me anymore.
Hi Samantha: I'm sorry you didn't like the headline. As I mentioned in reply to another reader's comment, it seems the objection is that some of the debt was secured and some was unsecured. In both cases, it was debt, so I simply added up the amount of my debt at the high point and we used that as the headline. I hope you found some value in my sharing my own personal story, in spite of your objection to the headline.
I tried to convey in the article (perhaps not successfully) that it wasn't as simple as just selling a house – in the past four years, selling real estate has not been a simple process. I don't feel I hid the fact that some of my debt was secured and other debt was unsecured.
I enjoyed the read, it is great to hear about different perspectives, different paths and, hopefully, ultimate success.
As a landlord myself, I can say it is not easy being a landlord and it is not easy to sell rental properties in a chaotic market, so to me this was a success story, in that you sold at a profit. And, you also simplified your balance sheet.
Renting can be a very smart choice for people, especially when one is in flux, new family, new career, etc.
Add in starting your own business and, to me, it was an impressive story.
Thanks, Sam. Good for you for taking on the challenge of being a landlord. Owning investment property is definitely a good way to build wealth, as long as you pick a good property in an area where there's going to be good appreciation.
Wow! this story was really inspiring,Im thinking about quit my job as well, and focus on start my own business, even though I dont owe anythign besides my school loan, Im kind of hesitating about it, thank so much for sharing and inspiring, I hope everything keep going great for you!
Thanks, Lali! Good luck with your new business. That's a brave decision, but working for yourself can be very rewarding.
I was very pleased to see an example of a serious real estate seller.
I have purchased several properties over the last decade and looked at literally hundreds more for potential purchase.
I am incredibly tired of sellers that don't seem to have any interest in actually selling their homes.
Real Estate agents have a saying that, "Buyers are liars." In my area they usually require a pre-qualify or pre-approval letter before they will engage with a prospective buyer. That is fine, I am sure they get too many looky-loos that waste their time. But, I have had several selling agents who will still not show properties they have listed on the MLS. Nor would they make an appointment to show at a later date. This is after proof of funds and a strong record of purchases have been demonstrated.
And many of the sellers don't really put their homes in a condition ready to sell. They often make viewing extremely difficult. Often there is considerable deferred maintenance.
Twice I have had sellers back out for little reason. In one instance an older couple just changed their mind and didn't want to sell even with a full-price standard contingency offer. In another deal, the seller didn't like the fact that there would be follow-up specialist inspections on the old plumbing and AC and decided to back out of an already signed contract.
To see a seller committed enough to do major fix-ups, repairs, repainting and (HURRAY!!) move-out so that it can be shown is excellent! I wish there were more serious sellers on the market.
I would also love to see you write an article on how to be a serious seller.
Thanks, Frank. I think an article on how to be a serious real estate seller could be interesting. I'm not sure if it's a perfect fit for GRS, but I may take a crack at it and see if I can make it interesting to the GRS audience. Thanks for the suggestion!
Your story was interesting enough that I interrupted my wife to tell her the highlights. I like hearing about new situations, what the challenges were, and what it took to get out of them.
I'm also glad that so many people have taken issue with the headline. Since this is not your first writing gig, you knew that it was disingenuous. I hate misleading headlines more than I like good articles, and you've indicated that you had input on the title, so I will not be reading your work again.
Dear John: Your post clearly illustrates the art of headline writing. I thought it was a good post and you analyzed the pieces of your debt well. (highest to lowest priority). Paying off the car loan is an important smaller success that research shows we need to keep to a longer term debt reduction plan. (recent Dan Ariely post). If you write a second post, I think expanding the dad part, adding more of your wife's perspective, the value of a second income and benefits, plus how you juggled child care (and costs) would boost interest. Wishing you continued success!
Thanks for these great suggestions, Dana! I've gotten feedback from a number of people that they'd be interested in hearing more about how to juggle child care costs, so that seems like a good topic to tackle soon.
I really am not sure why people are going on about the headline. This article highlights many very useful points. This writer had the sense to let go of properties that were placing a burden on him financially. He is renting now…as I am and I am a physician and until you do so after releasing yourself from a mortgage, you really may not understand the sense of freedom not having a mortgage brings. He was not trying to mislead anyone. He had a huge amount of debt and he gave up the false idea of owning a mortgaged home to reduce the emotional pressure debt brings. He is now free to earn less, live in a smaller home if he wants to. He has made some sound financial choices and worked closely with his wife in doing so and should be very strongly commended for doing so. A lot of you who have an issue with his heading will likely remain in the financial states you are in because you are unable to learn from what he has done.
Thanks, Gem. I definitely had a sense of relief when we paid off the mortgage, especially considering had the market gone down further, it probably would have been a big stretch to pay off the mortgages. I'm not opposed to taking on mortgage debt again, but next time I'll probably be more cautious about not stretching myself too much financially.
Nice try, Gem, but my financial state is excellent, thanks. Our house has been paid off for 20 years. The title was misleading because he paid off his debt with money he already had! Big deal. I was looking for how he earned the money to pay it off so quickly.
Thank you for your story! It helps to read about others who are in similar situations!
Great read. It is important to implement a strategic financial plan when trying to get out of debt. Readjust your priorities and allocate your money spent accordingly. Make responsible, effective, and efficient purchases. Spend and save money wisely.
Disappointing. They have good jobs and a lot of material goods to sell and payoff things. How about someone making 10/hr and having 200k in debt??


Glenwood Springs-based Roaring Fork Rotary, better known as Club Rotario, will host its Festival Las Americas on May 5. The event, held this year from noon to 9 p.m. at Sopris Park in downtown Carbondale, raises scholarship funds awarded to local Colorado Mountain College students. Festival admission is free, but donations are encouraged.
Attendees can expect a celebration of the traditions of the Americas with cultural, artistic, and recreational activities for the whole family. Vendors will be selling a variety of foods representative of different cultures, and a full lineup of live entertainment is scheduled throughout the day. Musical guests include Mariachi San Jose de Javier de los Santos, Grupo Flama Show, and Escolta de Rancho. Special VIP tickets are available for $15 and include snacks, a drink, and time to chat with the bands. See FestivalAmericas.net for event details.
Sunlight Mountain may be closed for the season, but the resort's new avalanche rescue dog is just getting started. Australian shepherd-husky mix puppy Denali, born January 22, will spend the summer and early fall training to become the newest member of Sunlight Ski Patrol's avalanche team.
Follow Sunlight Mountain Resort on Twitter and Facebook for Denali photos and updates, or look for her around the slopes during the 2017-2018 ski season.
Tom and Sarah Rumery, owners of New Castle's Osage Gardens, are celebrating 25 years of local, organic farming in 2017. Now the largest grower of fine organic culinary herbs in Colorado, the farm began with just six basil plants and now boasts nearly 6,000. Also grown on-site are over 20 other herb varieties including dill, marjoram, mint, oregano, tarragon, thyme, and others; many of these can be found in grocery stores and on restaurant menus across the Roaring Fork Valley.
Osage Gardens operates year-round and encompasses more than 20 acres of land and a three-acre greenhouse along the Colorado River between New Castle and Silt. Locals can visit the Rumerys' Little Red Farm Store to sign up for the farm's free-choice CSA program. The shop features a selection of Osage Gardens herbs and vegetables plus other locally-sourced goods from regional food producers. Find Osage Gardens on social media and at OsageGardens.com.
RENT, directed by Dani Grace Kopf with musical direction by Jonathan Gorst and choreography by Luke Ryan. Audition dates: May 13 from 10 a.m. to 3 p.m., with callbacks the following day from noon to 4 p.m. Students ages 14-19 should prepare a short monologue and 32 bars of music that show range, attitude, and commitment. An accompanist will be provided, but a cappella singing is allowed. Students must have parental permission to participate due to the mature nature of the show's themes, and copies of the script can be checked out prior to auditions. Rehearsals will run 9 a.m. to 3 p.m. Monday-Friday starting June 19, with public performances held July 20-23.
Annie Get Your Gun, directed by Jennifer Johnson with musical direction by Jonathan Gorst. Audition dates: May 19 from 3:30-7 p.m. and May 20 from 10 a.m. to 4 p.m., with callbacks May 21 from noon to 4 p.m. Students ages 7-14 should prepare a short song that shows range, comic chops, and personality. A short monologue is not required but welcome. An accompanist will be provided, but performers may sing a cappella or to a digital track. Rehearsals will run 9 a.m. to 3 p.m. Monday-Friday starting July 5, with public performances held August 3-6.
The Carbondale Public Arts Commission (CPAC) will host its annual "Art Around Town" walk on June 1. The event begins at town hall (511 Colorado Avenue) at 5:30 p.m., and concludes with a community reception at The Launchpad downtown at 7 p.m. This year CPAC has chosen to highlight local sculptors, who will be on hand during the tour and reception to discuss their works with attendees.
Featured artists include Jack Brendlinger, Nancy Lovendahl, Alicia Matesanz de las Heras, Nathan Slape, and James and Charmaine Surls.
Roaring Fork High School (RFHS) in Carbondale recently announced that six of its students have received prestigious full scholarships, the most of any high school in the county this year. Four seniors from the class of 2017 were awarded the Daniels Fund Scholarship, which can be used for any nonprofit college or university in the nation, and two seniors received the Boettcher Foundation Scholarship, which can be applied toward any institution of higher learning in the state of Colorado.
Daniels Fund recipients include Julia Lee, Fabian Rico, Lorenzo Andrade, and Enrique Gonzalez. The two Boettcher Foundation winners are Tavia Teitler and Nick Penzel.
Roaring Fork Leadership (RFL), a local nonprofit program that seeks to build leaders in the community through immersive experiential learning and practical application, is seeking participants for its upcoming class of 2018. RFL is widely recognized by local organizations as a center of excellence for developing effective leaders. The program boasts some 800 graduates, of which about 80 percent reside in the Roaring Fork Valley and work in a variety of professional sectors including government, education, health, and business.
The program runs August through May, and interested individuals can apply online at RFLeadership.org. Brief interviews will be held in June, and applicants will be notified of acceptance status in July. Questions can be directed to info@rfleadership.org.


Free Alexa Directory - Submit Free Links. View - Education > Government Agencies Category Links.
So place the two together anyone know that your new footwear are going to be popular for numerous years to come! Without knowing these words, you can not speak reasonable The spanish language. I'm from Canada, therefore the government agencies I've mentioned in this guide are Canadian, but really, it could possibly be used by anyone. The TM-2 tongue tension lacing system is effective.
Valley Trip Planner is recognized by the Ministry of Tourism, Government of India, as a tour operator and travel agent. Apart from the official recognition, we are also proud to be associated with some of the national and international august bodies in travel and tourism industry.


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James Perdue's Deputy-Involved Shooting in Hollywood Quickly Labeled Suicide by BSO
Stefan Kamph March 21, 2011 12:15PM
The Broward Sheriff's Office is referring to a man shot by deputies in Hollywood on Sunday as "agitated" and "suicidal," but has not released information about his mental condition that would confirm what his intentions were when he allegedly threatened to shoot a cop, evaded deputies in a vehicle chase, and finally faced them down.
James Perdue was 42 years old, and his last known address was at 4630 Johnson Street in Hollywood. He was shot by deputies after 4 p.m. Sunday at A1A and Evans Street in Hollywood. Shots were reportedly fired by Sgt. Tom McPartland and Dep. Ray Herrera, who were placed on administrative leave after the shooting according to BSO policy.
"This is a person who was suicidal, he wanted to kill himself and he
decided to have a deputy do it," BSO spokeswoman Dani Moschella told NBC Miami early this morning, before Perdue's identity was released. A BSO press release begins,
An agitated, suicidal man prompted Broward Sheriff's Office deputies to fire shots at him Sunday on State Road A1A in Hollywood as nearby beach-goers enjoyed the sunny afternoon. The man died at the scene, and A1A remained closed for hours as BSO investigated.
Shortly after 4 p.m. Sunday, a caller phoned BSO's Communications Center to report that there was a suicidal, armed man in the Winn Dixie parking lot at 308 E. Dania Beach Blvd. in Dania Beach. The caller said the man had threatened "to kill a cop." Deputies responded to the location, but the man had already left. They found him a few minutes later in a parking lot near the Dania Beach Pier. Deputies attempted to talk him into surrendering peacefully, but he refused.
A short vehicular chase ensued, and ended him telling the deputies that they were going to have to shoot him. McPartland and Herrera said they saw Perdue reaching behind his back for what may have been a weapon, and they opened fire.
While this shows the signs of a classic "suicide by cop," as such instances are known, BSO has not released any information about Perdue's mental health that would reveal suicidal tendencies. Because an investigation is underway, further information about Perdue's communications to the deputies is not yet available. "Investigators are not releasing specific details because they still have statements to take," said a BSO representative.
Update 12:30 p.m.: Perdue was also facing charges of probation violation relating to a drug-possession case from July 2009. Sunrise police found Perdue with unprescribed Alprazolam (Xanax), used to treat anxiety disorders and panic attacks, and Carisoprodol, a muscle relaxant.
If you knew Perdue or have more information about his life, please click here to email us directly.
Follow The Juice on Twitter: @TheJuiceBPB.
Stefan Kamph
Contact: Stefan Kamph
Dalia Dippolito May Have Tried to Kill Him, But Michael Dippolito Is No Saint
David Lee Edwards, Powerball Winner, Dies Broke In Hospice
Zac Brown on Palm Beach Drug Bust: "Nothing Good Ever Happens When You Stay Out Late"
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So You're Saying There's (Still) a Chance: Dolphins Playoff Chances Dwindle After 26-20 Loss
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Broward Teacher Goes Off on Praying Muslim Students (VIDEO)
Lawsuit: Palm Beach Schools Superintendent Demoted Official for Bashing Republicans on Twitter

redpajama_set_name: RedPajamaCommonCrawl


Hassle, stressed and extra expenses this are the things that comes to mind when you think about your truck getting towed without your permission. Tow truck drivers are hardly at fault for these, they are only following orders and the fault would always lie on you, the person who did not take care of and follow the rules and got their vehicle towed.
Cars, in general, are very convenient invention that has come a long way since its first conception. You can find people driving cars all the time, going to the grocery, grabbing some food or going shopping, going to work or just about anywhere. However, there are rules to be followed to ensure that the road is as systematic and less problematic in both the pedestrians and the drivers itself.
So, what are the reasons that your car gets towed without your permission, and how do you avoid them.
You saw the sign, you know the rules but you still parked in a no parking zone. If that happens then you should expect your car to be towed in no time. So, park on a spot that is for parking. When you park in a space that isn't meant for you to park in. It could mean a really bad case for you or the people that you would be causing hassle because you were selfish and lazy.
When both your car registration and your driver's license is expired expect for your car to be towed. Even one of those can be a reason for car towing. It has nothing to do with you personally but it is a rule of state and so officers have to follow. So, don't worry about it, you will be fine as long as you have the registration and license that is valid.
Your vehicle should also be in good running condition with all its faculties running smoothly. If you don't have a side mirror that could be bad. If you don't have a signal light or a proper wiper you can find yourself looking for your vehicle. So, unless you want to get in trouble. You want to make sure that your car is in good condition.
If you park your car in a private property and it's just your luck that you get stuck with the owner who doesn't like it, they can have your car towed with your paying for all the services just because you are in a private property. So, if you really must park your car in the property. Ask the owner for permission before doing so, so that there are no misunderstanding and hassle later.
So, as a driver you should always remember that while on the road you should never put yourself in danger as well as others around you. It can be exhilarating to go for a fast drive but unless you're in the track don't do it.
Before any excavation starts make sure to ask a contractor to clear the area wherein you plan to build the pool. That will include all the trees that is in there and other plants. You can call a tree removal service to ensure that the job is well done and that there are no accidents waiting to happen, if you need a stump grinding they can do that too, just check on the link https://www.cdstumptreeremoval.com/ for more information.
When hiring contractors to work for you it is important to make sure that you are very thorough in the decision of who will work for you. Get references for each one and talk to this people, do your research and be sure that they can deliver the project to you over your expectation. Don't hire a contractor just because they are cheap you may save money now but you will lose later.
When you take the plunge of a swimming pool in your yard. You should expect that the initial cost for such a project will be big. If that is so, don't put to waste your investment by going for substandard materials because it is cheaper. Instead, go for the high qualities one that you can be sure will last you long. That way you can say well that is an investment well invested.
When you make a decision this big for you, you should go all out instead of going at it halfway. Deal with it like a responsible adult and make sure that the project will come out excellent. Every decision you make should have a rational motive. Don't leave anything to chance if you don't want to regret it in the end.
Speedy Completion of Projects: experienced construction firm needs to finish their projects within the deadlines. They set a timetable to follow in order to organize their work. They are expected to do the project as fast as possible. They are particular with the deadlines because their reputation is always on the line. They always need to impress their client.
High-quality work: a smart construction firm will not compromise their reputation over a little amount of money. They are expected to do a durable and long-lasting result. They ensure their client that their work is always high quality and state of the art.
Discounts on Materials: as a construction company that has so many experienced in different suppliers, they can tell you where to buy in order to have a discount. They have access where to purchase high-quality materials at a lower price. They can advise you what are the appropriate and correct materials to use.
No Mistakes: a construction company who is in this industry for a very long time, they already master their craft. You can rely on them that they will do your project without mistake and can deliver an excellent result.
Safety: they do their jobs with high safety measures. They see to it that they follow safety precautions in order to avoid accidents. They wear personal protective gear at work in order to protect them from injury. They use the proper tools in order not to hurt themselves.
Choose a construction company with a high list of successful construction projects and have seasoned professional workers, who can handle the job smoothly and have decades of experience in the commercial construction industry.


This was mostly clean-up of QText. Lot of common modules were changed with new versions and general bug-fixing was done. I did my best not to break something and hopefully I succeeded in that. Some new features did manage to get in and I will here introduce two of them.
Open containing folder is added on tab's context menu. It will allow you to open folder directly in explorer. It may come handy when one needs to export file to another location.
Another feature long over due is copy/paste as text. It is added on text's context menu and it will finally allow you to strip clipboard content of all formatting either before copy or after paste.
Hey just a note to say "thanks". I've used QText for years, its one of the first things I install on a PC. I then move it's folder to inside my dropbox folder, so my notes are synced to all my pcs.
FYI I've been using 2.30 beta 1 since it came out and haven't had any probs.


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Fuentemilanos es una localidad perteneciente al municipio de Segovia, en la provincia de Segovia, comunidad autónoma de Castilla y León, España. En 2021 contaba con 283 habitantes.

Historia
En el Diccionario de Madoz
Lugar con ayuntamiento en la provincia, partido judicial y diócesis de Segovia (2 1/2 leguas), audiencia territorial y ciudad g. de Madrid (14) SIT. sobre una pequeña altura; le combaten todos los vientos, y su CLIMA es propenso á inflamatorias y catarrales. Tiene 40 CASAS, todas de piedra y un solo piso que forman cuerpo de población unida, á escepcion de 4 que hay separadas á la salida de Segovia; sus calles son bastante irregulares y malas, estando en extremo sucias y cenagosas, especialmente en invierno hay una pequeña plaza denominada de la Constitución de figura casi circular, en la que está la casa de ayuntamiento y taberna; pozos en casi todas las casas; escuela de i instrucción primaria común á ambos sexos, á la que concurren de 20 a 24 alumnos que se hallan á cargo de un maestro i dotado con 5 0 0 reales; y una iglesia parroquial (Santiago Apóstol), servida por un cura párroco, cuyo curato es de entrada y de I provisión real y ordinaria; tiene por anejos á los cas. de Matamanzano, Campillo y Tajuña; en los afueras de la pobl se encuentran 3 fuentes de regulares aguas; una ermita en la que se veneran la imagen del Sto. Cristo del Consuelo , sostenida por los fieles, y el cementerio en paraje que no ofende la salud pública. Confina el término N. Cedillos y Abades ; E. Escobar; S. Guijasalbas y Otero de Herreros, y O. Zarzuela del Monte  comprende el caserío de Aldeallana, las granjas de Matamanzano y Tajona, y los desp. de Cristóbales, el Campillo y Colina , todos estos descritos en art. separados. ( V.) . El TERRENO es llano, arenoso y secano; se cultivan sobre 140 óbralas divididas en dos hojas, todas de segunda y tercera calidad ; hay una deh. de pastos de 6 0 obradas , y 4 pequeños huertos, 2 de ellos c on riego, los otros 2 tienen que regarse á mano; á 200 pasos N. del pueblo pasa un arroyuelo llamado la Gasea, qne tiene origen de un manantial ó fuente titulado la Cazoleta, es de curso perenne pero de poca agua, con él se riega una parte de la deh. y huertos mencionados. CAMINOS los que dirigen á los pueblos limítrofes, en buen estado. El CORREO se recibe de la cabecera del partido PROD.  trigo, cebada, centeno, algarrobas , avena , yeros, muelas, guisantes, y en los huertos toda clase de verduras ; mantiene ganado lanar, vacuno y mular; crii caza de liebres y codornices. IND.  la agrícola, COMERCIO estraecion de los frutos sobrantes, POBL. incluso el cas. y granjas 51 vec,, 186 almas''

En su juridisción se encuentra el caserío de Colina (), que consta como despoblado en el Diccionario de Madoz
desp. en la provincia y partido judicial de Segovia (3 leguas), término jurisdiccional de Fuentemilanos (1 1/2) SIT. en una pequeña llanura, le combaten bien los vientos y su CLIMA es templado. Hay 2 CASAS de labranza para los colonos y en una de ellas un molino de'harina con 2 piedras tiene 470 obradas de las que se cultivan sobre 120 de tierra á 2 hojas y lo restante es monte de chaparro , de encina, que no se labra por su mala calidad, PROD.  trigo, cebada , centeno y garbanzos; cría caza de conejos, liebres, palomas y en abundancia perdices, POBL. habitan constantemente en las dos casas 12 personas. Se pagan de renta por las tierras labrantías 200 fanegas de trigo y cebada por mitad , 130 de trigo puro por el molino y 1,200 reales por yerbas y el monte

Demografía

Cultura

Patrimonio

 Iglesia de Santiago Apóstol;
 Ermita del Santo Cristo del Consuelo.

Fiestas

 Fiestas de Santiago, el 25 de julio;
 Fiestas del Cristo, del  25 al 28 de agosto.

Véase también
Aeródromo de Fuentemilanos

Referencias

Localidades de la provincia de Segovia
Pedanías de la provincia de Segovia

redpajama_set_name: RedPajamaWikipedia


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Down star Niamh points the path to major progress on and off the field
By John Campbell
7 September 2018 11:00 AM
Target: Niamh Mallon has sights set on All-Ireland glory
Niamh Mallon has a particular reason for hoping that the advances currently being made in the training and preparation of camogie teams can be brought to a new level.
As Down's top scorer prepares for Sunday's All-Ireland Intermediate Championship final against Cork, 23-year-old Mallon is also very much involved in sports science that is helping to improve fitness and playing standards.
Now working with the Galway-based Orrecco company, Mallon finds herself at the cutting edge of research into enhanced training, nutrition and recovery practices.
And the Portaferry hot-shot reveals that even in the four years that have elapsed since Down last claimed the intermediate title, there have been significant advances within the sport.
Orreco is a global operation specialising in identifying injury predictors, optimal training loads and recovery strategies with NBA and NHL teams in America, European soccer teams, as well as PGA Tour golfers and Formula One motor racing drivers among many others.
Mallon herself is working on a ground-breaking app that will reduce injury and illness in female athletes and has proven understandably popular since its launch last year.
"The Women's Gaelic Players Association has done an awful lot to bring sport science and analytics into camogie over this last couple of years," reveals Mallon.
For the moment, though, Mallon is strongly focused on Sunday's final against a Cork side which has lost the last two deciders.
The Rebel county will undoubtedly bring a great hunger to Headquarters in their efforts to transform their fortunes.
Down looked to be in trouble when they went into the Championship series having lost their five league games, but Martina Rooney stepped into the role of manager and helped to turn the team's fortunes around.
"We had a rocky enough league campaign with players missing through different things," explains Mallon.
"But as they drifted back again we got a solid panel together."
It was a hard-earned victory over Laois that took Down into Sunday's final and now scoring ace Mallon will be joined by players such as the Carr sisters Sarah Louise and Fionnuala as the team bids for glory again.
And Mallon is certainly under no illusions about the task confronting her side.
"Cork are the benchmark, both at senior and intermediate levels in the past number of years," she says.
"They've been beaten in the past two Intermediate finals so they know what it takes to get to Croke Park."
Deegan in the spotlight as his young guns fire out an early U20 title warning
Down know the score in hunt for Cup joy: Sheehan
Mournemen ready for big challenge, insists Tally


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Breadcrumb Home / Investors / News releases News release details PerkinElmer to Showcase Innovative Approaches for Accelerating Cancer Research at AACR Annual Meeting 2014
PerkinElmer to Showcase Innovative Approaches for Accelerating Cancer Research at AACR Annual Meeting 2014
April 1, 2014 at 12:00 AM EDT
PerkinElmer to Showcase Innovative Approaches for Accelerating Cancer Research at AACR Annual Meeting 2014 17.5 KB
WHAT: PerkinElmer, Inc., a global leader focused on the health and safety of people and the environment, today announced that it will be showcasing a variety of products and integrated solutions at the American Association for Cancer Research (AACR) 2014 Annual Meeting April 5-9 in San Diego (Booths 2117 and 2217). PerkinElmer provides a full suite of capabilities including quantitative cellular, tissue and in vivo imaging, reagents, workflow automation, informatics, and applications and technical support - all designed to advance personalized medicine-based cancer research.
"PerkinElmer is committed to developing innovative solutions to revolutionize the diagnosis, treatment and prevention of cancer. We provide translational imaging and high-content screening solutions to cancer researchers worldwide," said Brian Kim, President, Life Sciences & Technology, PerkinElmer. "At this year's AACR, we are excited to highlight some of our most innovative cancer research solutions that are designed to help scientists distinguish host from tumor cells with whole animal to single-cell resolution, as well as to quantify multi-biomarker cancer initiation, progression and response."
AT AACR: PerkinElmer's products on display at AACR 2014 include
Opera Phenix™ High Content Screening System: a next-generation confocal imaging system for demanding high content applications. This system offers more speed and sensitivity, proprietary Synchrony™ optics, and simultaneous imaging with reduced crosstalk for phenotypic screening and studying complex disease models.
The Lamina™ multilabel slide scanner: a high throughput, multi-mode imaging system designed to help research pathologists to study protein expression and the relationships between disease markers in formalin-fixed, paraffin-embedded tissue sections. This knowledge allows research pathologists to gain a deeper understanding of diseases for the development of more effective therapies and treatments.
Opal™ Staining Process: a practical workflow for specific staining of multiple tissue biomarkers to reach to 6-plex and beyond in a single image. Multiplex staining with Opal staining enables simultaneous interrogation of multiple pathways in tissue sections, expanding understanding of emerging areas of research such as cancer immunology and microenvironment.
AlphaLISA® kits to detect cell-based histone ubiquitination: enable scientists to validate the mechanism of action of drugs thought to act on methyltransferase or demethylase enzymes in cell-based assays by testing their capacity to modulate H2a ubiquitination.
MORE: PerkinElmer will also feature several poster presentations at AACR 2014:
Favourable diffuse prognostic pattern of FOXP3+ and CD69+ T cells in follicular lymphoma demonstrated using automated imaging and analysis
SessionID: Immunology 3
Monday, April 7, 8:00am
Hall A-E, Poster Section 28, #1647
Molecular and immunological correlates of latent versus productive reoviral infection in cancers
Monday, April 7, 1:00pm
Automated analysis of four color PTEN deletion in prostate cancer using FISHQuant on a whole slide image
SessionID: Molecular and Cellular Biology 35
Hall A-E, #2458
Imaging and quantification of bombesin receptor expression in vivo using a NIR-labeled bombesin peptide
SessionID: Tumor Biology 49
Wednesday, April 9, 8:00am
Hall A-E, Poster Section 5, #4934
Detection and quantification of enzymatically active tissue prostate-specific antigen in vivo
PerkinElmer will also host tutorials and demonstrations at booth 2217:
Analyze Multiple Biomarkers in Tissue with Opal™ and InForm™
Sunday, April 6, at 2:00pm; Monday, April 7 at 12:00pm and 4:00pm;
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As long as he was under my protection the indians respected him, but after my departure from jala-jala he was assassinated; and all those who knew him agreed that he had deserved his fate for more than one cause.
Not a bird chirped; not a leaf was heard to rustle among the trees of the plain; the beasts of the forests were still; the busy bee desisted from its hum; even the winds were hushed and silent while the stranger delivered his solemn warning.
She saw a quick look of surprise he did not attempt to hide, followed by a very charming smile, as he asserted: "it is impossible.
I should have insisted on their going on in quite a different kind of way.
But i am not without hope that the government might assist us in this direction.
His second notion was that ratcliffe wanted to put mrs. lee under obligations, in order to win her regard; and, again, that he wanted to raise himself in her esteem by posing as a friend of honest administration and unassisted virtue.
Hester was at that moment tearing along a thoroughfare, and showing so little dignity and repose not only in her gait, but in her "loud," ill-assorted garments, that, as frequently happened, to rose's vexation, several people among the passers-by turned and looked after them.
I lifted lucy from the carriage, and passing my arm around her, was assisting her to mount the steps, when a bright gleam of moonlight burst forth and lit up the whole scene.
But she resisted, and engaged a porter.
The man who assists her stoops and places his right hand with the palm up at a convenient distance from the ground.
The chapel-master assented sadly with a movement of his head, and went out, following the two cathedral servants.
This fort they assaulted, and towed off the galleys empty, and surprising the inhabitants began to lay waste the rest of the island.
Mr. gerningham, his valet, assisted him, and gave him his drops; and the judge told him to wait in his bedroom till he should go to sleep.
I assessed every one of them for taxes yearly, in apparel and wheat from the stores and granaries.
The athenians approved of this advice, but phokion came forward and declared that he had never associated with the man, or had any acquaintance with him.


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Earned the Bar Explorer (Level 10) badge! Earned the For the Can (Level 15) badge!
Kory R.: Quidi vidi has been crazy lately. Cappachino stout is real good. They have a rhubarb too ha.


text:
What Is an Ethernet Port?
What Are Bitcoins?
The Wireless Connection
How To › Internet & Network
Learn what Ethernet ports are and where they are used
Bradley Mitchell
An MIT graduate who brings years of technical experience to articles on SEO, computers, and wireless networking.
97 people found this article helpful
An Ethernet port (also called a jack or socket) is an opening on computer network equipment that Ethernet cables plug into. Their purpose is to connect wired network hardware in an Ethernet LAN, metropolitan area network (MAN), or wide area network (WAN).
Ethernet is pronounced with a long "e" as in the word eat. Ethernet ports go by other names also, such as LAN ports, Ethernet connections, Ethernet jacks, LAN sockets, and network ports.
Everything You Need to Know About Ethernet Ports
What Ethernet Ports Look Like
Ethernet connections are found on the back of a computer or the back or side of a laptop. A router may have several Ethernet ports to accommodate multiple wired devices on a network. The same is true for other network hardware like hubs and modems.
Lifewire / Derek Abella
An Ethernet port accepts a cable that has an RJ-45 connector. The alternative to using such a cable with an Ethernet port is Wi-Fi, which eliminates the need for both the cable and the port.
An Ethernet port is a little wider than a phone jack. Because of this shape, it's impossible to neatly fit an Ethernet cable into a phone jack, which makes it a little easier when plugging in cables.
This is what an Ethernet port looks like. It's a square with a couple of rigid areas at the bottom.
Michael Schwarzenberger / Pixabay
The Ethernet cable is built the same way, usually with a clip to hold the cable in the Ethernet port.
Jorge Guillen / Pixabay
Ethernet Ports on Computers
Most desktop computers include one built-in Ethernet port that is used to connect the device to a wired network. A computer's built-in Ethernet port is connected to its internal Ethernet network adapter, called an Ethernet card, which is attached to the motherboard.
Laptops usually have an Ethernet port, too, to connect to a network that doesn't have wireless capabilities. An exception is the MacBook Air, which doesn't have an Ethernet port but does support connecting an Ethernet dongle to a USB port on the computer.
Troubleshoot Ethernet Port Issues
If your computer experiences internet connectivity issues, the Ethernet port is the first place to look.
Here are three reasons for connectivity issues:
The network cable is unplugged. This condition often results in a network cable is unplugged error. This error message appears when a computer or laptop is moved, which can knock the cable out of the Ethernet port.
The network card is unseated. If the computer has been moved around, the Ethernet card may come unseated from the expansion slot on the motherboard.
Network card drivers are corrupt or missing. Something else related to the Ethernet port is the network driver for the network card, which can become outdated, corrupt, or missing. One of the easiest ways to install a network driver is with a free driver updater tool.
Ethernet Ports on Routers
All popular broadband routers feature one or more Ethernet ports. With this setup, multiple wired computers in a network can reach the internet and the other connected devices on the network.
An uplink port (also called a WAN port) is a special Ethernet jack on a router that connects to a broadband modem. Wireless routers include a WAN port and typically four additional Ethernet ports for wired connections.
Ethernet Ports on Consumer Electronics
Other types of consumer gadgets (such as video game consoles, digital video recorders, and televisions) include Ethernet ports for home networking. Another example is Google Chromecast, for which you can buy an Ethernet adapter so that you can use Chromecast without Wi-Fi.
Ethernet LAN Explained
What Is a Router (Residential Gateway) and How Does It Work?
Ethernet Cards: Yes, They Still Exist!
Get Familiar With the Concepts of Uplinks and Uplink Ports
Types of Ethernet Cables and What They Do
What Are Network Adapters and How Do They Work?
Here's How to Fix the Network Cable Unplugged Error in Windows
Set Up Your Wireless Network in Just 12 Steps
What You Should Know About Gigabit Ethernet
Dongle Is a Funny Name for a Useful Networking Device
Do USB to Ethernet Adapters Exist for Broadband Modems?
Wi-Fi vs. Ethernet: Which Do You Need?
How Do the RJ45, RJ45s, and 8P8C Connectors and Cables Work?
The Simplest Network: Connecting Two Computers Together
Gallery of Home Network Diagrams
All You Need to Know About What a NIC Is in Computer Networking


Are you an Florida high school Mens Water Polo student-athlete? for colleges now.
The NCSA Athletic Recruiting Network at present has 32 Mens Water Polo recruiting profiles out of 21991 total profiles from student athletes in Florida. Also, you will find 746 high schools filled with Mens Water Polo athletes fighting for scholarships at NCAA, NAIA and NJCAA universities and colleges.
If you desire to be a standout as a Mens Water Polo recruit from Florida, you're level of exposure is extremely essential. College recruiters generally try to find reasons to thin their lists of prospects. To obtain the free education and unforgettable memories you're after, allow the professionals at NCSA direct you through the entire approach to Florida Mens Water Polo recruiting.
A short while ago, student athletes needed to mail out paper resumes and tapes of their crowning achievements on the field - then wait for a telephone call or letter in the mail. Today, amongst the host of Florida Mens Water Polo athletes, it's necessary to be listed on websites that are visited by sports recruiters. Since coaches must be able to review players in a faster, more efficient way, they are more likely to consider players with a strong online presence. NCSA has online recruiting profiles for every Florida Mens Water Polo player signed up with them, making it easy to keep all the information up to date and accurate. It all starts with creating your free profile, so begin today.


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2. Remuneration and other conditions as per KVS rules.
Kendriya Vidyalaya, CRPF Camp, Saraikhas.


text:
What public policy changes are needed to encourage swift economic recovery?
Mike Knetter On The Economic Crisis
Mike Knetter
University of Wisconsin Business School Dean Mike Knetter has to look back twenty-five years for a parallel to our current situation.
Michael M. Knetter joined the Wisconsin School of Business as its dean in July 2002. As dean, he has orchestrated the novel $85 million Wisconsin Naming Gift, the expansion of Grainger Hall, the restructuring and improved national standing of the full-time MBA, and the restructuring and expansion of the Enterprise MBA.
He served as senior staff economist for the President's Council of Economic Advisors for former presidents George H.W. Bush and Bill Clinton. He is a research associate for the National Bureau of Economic Research, a director of Wausau Paper and Great Wolf Resorts, a faculty affiliate of the La Follette School of Public Affairs and a trustee of Neuberger Berman Funds and Northwestern Mutual Series Fund. He is chairing the capital campaign for Interfaith Hospitality Network, a non-profit that assists in finding housing and work solutions for homeless families in Dane County.


Between the Blue Ridge & Great Smoky Mountains rests one of the best golf courses in North Carolina.
Maggie Valley Golf and Resort has been welcoming guests with southern hospitality and the beauty of the mountains for decades. Enjoy a day on the golf course or enjoy the great outdoors by swimming, hiking or fishing. Also, we have plenty of five star amenities to enjoy while you are here.
Groups Welcome with 21 condos available.


DESPITE VOLATILITY; BULL MARCH CONTINUES - 19/01/2018.
To say that the week gone by was a Volatile week, would be an understatement. There were two things that defined the week and that being Volatility and Uncertainty. Despite big gap up opening on Thursday, market gave away majority of its gains and formed a black body candle. But it overcame the bearishness on Friday, when both Sensex and Nifty formed a bullish white body candle and closed above the high of previous day's bearish candle. But the real scare was outside of the frontline indices when on Thursday, the mid-cap and small-cap stocks collapsed like nine pin. Even though some recovery has happened on Friday in the mid-cap index, one needs to be careful as we are not yet completely out of the woods.
Sensex opened the week at 34687, made a high of 35542, low of 34687 and closed the week at 35511. Thus it closed the week with a gain of 919 points. At the same time the Nifty opened the week at 10718, made a high of 10906, low of 10666 and closed the week at 10894. Thus the Nifty closed the week with a gain of 213 points.
On the daily charts, both the indices have formed a real white body candle on Friday which has overcome the bearishness of Thursday's black body candle. On the weekly charts, Sensex has formed a big Opening White body Marubuzo, whereas Nifty has formed a big white body candle. Thus daily as well as weekly candlestick pattern suggests a bullish bias in the near term.
This week, both the indices opened with an Upward Gap between Sensex 34687-34638 and Nifty 10713-10690. This gap is likely to act as Support in the near term. Similarly two weeks back, the indices had formed a bullish Gap between Sensex 34020-33995 and 10520-10513 on the Nifty. On the lower side, this Gap will act as support.
When both the indices overcame their previous highs of Sensex 34137 and Nifty 10552, a Bullish Flag pattern got completed. The target as per this pattern falls at Sensex 35679 and Nifty 11030. These targets will be achieved as long as Sensex remains above 33703 and Nifty above 10404. On the daily timeframe, both the indices have also completed a Bullish Saucer formation and the target for that falls at Sensex 35165 and Nifty 10947. On the weekly timeframe, a Bullish Flag pattern has been completed and the target as per that pattern falls at Sensex 35649 and Nifty 11293. On the weekly formation, both the indices had completed a Cup and Handle formation and the targets are Sensex 37554 and Nifty 11413.
Last month the indices suffered a classic Bear trap. It resulted in the indices making an intermediate higher bottom at Sensex 32565 and Nifty 10033. This is the support level from where the market has bounced back. The indices need to sustain above this level for the above mentioned targets to be achieved.
This week, both the indices continued to stay above the short term average of 20dma (Sensex – 34355 and Nifty - 10603) as well as the medium term average of 50dma (Sensex – 33721 and Nifty – 10408). Both the indices still remain well above the long term average of 200dma (Sensex – 32013 and Nifty – 9931). Thus the trend in short term as well as medium term timeframe is Upward, whereas the trend in the long term timeframe continues to remain Bullish.
MACD and Price ROC are both positive and continue in Buy mode. RSI (76) suggests continuation of Bullish momentum. Stochastic Oscillator %K (92) continues in Buy mode. ADX has turned 21 which suggest that the Up Trend is gaining strength. Directional Indicators are in Buy mode. MFI (77) suggests Positive Money Flow. OBV continues in Buy mode making higher top higher bottom formation. A buy has been signalled by Bollinger band on Monday. Thus Oscillators are suggesting a bullish bias for the near term.
Options data for January series indicate highest Call Open Interest is at the strike of 11000 whereas the highest Put build-up has shifted higher at the strike of 10500. Thus Options data suggests a trading range with resistance at 11000 & support at 10500.


text:
The Next iPhone May Shoot Lasers to Enable More Immersive Apps
Gabriele Barni/Flickr
The iPhone X only hit shelves this month, but rumors are already circulating about its successor.
Apple's next smartphone is expected to include a laser on the back of the device for sensing how far away objects are, a feature that would enable far more powerful augmented reality applications. It's an area of technology that Apple CEO Tim Cook has spoken passionately about, and one that could change how people interact with their phones.
Bloomberg reported Tuesday that the company is exploring a sensor that would shoot out a laser and time how long it takes to bounce back to the device. With this information, the phone can calculate the distance between objects.
The feature would give a boost to augmented reality apps, which place virtual objects in the real world on the phone screen. Cook has spoken before about how apps like the Ikea catalog, which lets buyers preview furniture in their home, are just the beginning. iOS 11, released in September, provides developer tools to make building these apps easier, and more are expected to launch over the coming months.
"I think it is profound," Cook told Bloomberg in a June interview. "I am so excited about it, I just want to yell out and scream. The first step in making it a mainstream kind of experience is to put it in the operating system."
Apple's Face ID. Apple
The reported feature is not the same as the TrueDepth sensor used on the front of the device for face recognition, introduced with this year's launch. In that system, the phone shoots out infrared light, before flashing 30,000 dots to determine the shape of the user's face. If it matches with the one registered with Face ID, the phone unlocks. This replaces the fingerprint scanner present since the iPhone 5S that launched in 2013.
It's not the first time a rear laser has been rumored for the iPhone. In July, a report claimed that Apple was working on a vertical-cavity surface-emitting laser, VCSEL for short, which would appear on the then-upcoming iPhone X. It didn't materialize, but if the company is considering the same technology for its next phone, it would allow for low production costs at just $2 per phone. With the iPhone X costing around $357.50 to make, it's a relatively small sum to pay.


text:
"""PyTorch SelecSLS Net example for ImageNet Classification
License: CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/legalcode)
Author: Dushyant Mehta (@mehtadushy)

SelecSLS (core) Network Architecture as proposed in "XNect: Real-time Multi-person 3D
Human Pose Estimation with a Single RGB Camera, Mehta et al."
https://arxiv.org/abs/1907.00837

Based on ResNet implementation in https://github.com/rwightman/pytorch-image-models
and SelecSLS Net implementation in https://github.com/mehtadushy/SelecSLS-Pytorch
"""
from typing import List

import torch
import torch.nn as nn
import torch.nn.functional as F

from timm.data import IMAGENET_DEFAULT_MEAN, IMAGENET_DEFAULT_STD
from .helpers import build_model_with_cfg
from .layers import create_classifier
from .registry import register_model

__all__ = ['SelecSLS']  # model_registry will add each entrypoint fn to this

def _cfg(url='', **kwargs):
    return {
        'url': url,
        'num_classes': 1000, 'input_size': (3, 224, 224), 'pool_size': (4, 4),
        'crop_pct': 0.875, 'interpolation': 'bilinear',
        'mean': IMAGENET_DEFAULT_MEAN, 'std': IMAGENET_DEFAULT_STD,
        'first_conv': 'stem.0', 'classifier': 'fc',
        **kwargs
    }

default_cfgs = {
    'selecsls42': _cfg(
        url='',
        interpolation='bicubic'),
    'selecsls42b': _cfg(
        url='https://github.com/rwightman/pytorch-image-models/releases/download/v0.1-selecsls/selecsls42b-8af30141.pth',
        interpolation='bicubic'),
    'selecsls60': _cfg(
        url='https://github.com/rwightman/pytorch-image-models/releases/download/v0.1-selecsls/selecsls60-bbf87526.pth',
        interpolation='bicubic'),
    'selecsls60b': _cfg(
        url='https://github.com/rwightman/pytorch-image-models/releases/download/v0.1-selecsls/selecsls60b-94e619b5.pth',
        interpolation='bicubic'),
    'selecsls84': _cfg(
        url='',
        interpolation='bicubic'),
}

class SequentialList(nn.Sequential):

    def __init__(self, *args):
        super(SequentialList, self).__init__(*args)

    @torch.jit._overload_method  # noqa: F811
    def forward(self, x):
        # type: (List[torch.Tensor]) -> (List[torch.Tensor])
        pass

    @torch.jit._overload_method  # noqa: F811
    def forward(self, x):
        # type: (torch.Tensor) -> (List[torch.Tensor])
        pass

    def forward(self, x) -> List[torch.Tensor]:
        for module in self:
            x = module(x)
        return x

class SelectSeq(nn.Module):
    def __init__(self, mode='index', index=0):
        super(SelectSeq, self).__init__()
        self.mode = mode
        self.index = index

    @torch.jit._overload_method  # noqa: F811
    def forward(self, x):
        # type: (List[torch.Tensor]) -> (torch.Tensor)
        pass

    @torch.jit._overload_method  # noqa: F811
    def forward(self, x):
        # type: (Tuple[torch.Tensor]) -> (torch.Tensor)
        pass

    def forward(self, x) -> torch.Tensor:
        if self.mode == 'index':
            return x[self.index]
        else:
            return torch.cat(x, dim=1)

def conv_bn(in_chs, out_chs, k=3, stride=1, padding=None, dilation=1):
    if padding is None:
        padding = ((stride - 1) + dilation * (k - 1)) // 2
    return nn.Sequential(
        nn.Conv2d(in_chs, out_chs, k, stride, padding=padding, dilation=dilation, bias=False),
        nn.BatchNorm2d(out_chs),
        nn.ReLU(inplace=True)
    )

class SelecSLSBlock(nn.Module):
    def __init__(self, in_chs, skip_chs, mid_chs, out_chs, is_first, stride, dilation=1):
        super(SelecSLSBlock, self).__init__()
        self.stride = stride
        self.is_first = is_first
        assert stride in [1, 2]

        # Process input with 4 conv blocks with the same number of input and output channels
        self.conv1 = conv_bn(in_chs, mid_chs, 3, stride, dilation=dilation)
        self.conv2 = conv_bn(mid_chs, mid_chs, 1)
        self.conv3 = conv_bn(mid_chs, mid_chs // 2, 3)
        self.conv4 = conv_bn(mid_chs // 2, mid_chs, 1)
        self.conv5 = conv_bn(mid_chs, mid_chs // 2, 3)
        self.conv6 = conv_bn(2 * mid_chs + (0 if is_first else skip_chs), out_chs, 1)

    def forward(self, x: List[torch.Tensor]) -> List[torch.Tensor]:
        if not isinstance(x, list):
            x = [x]
        assert len(x) in [1, 2]

        d1 = self.conv1(x[0])
        d2 = self.conv3(self.conv2(d1))
        d3 = self.conv5(self.conv4(d2))
        if self.is_first:
            out = self.conv6(torch.cat([d1, d2, d3], 1))
            return [out, out]
        else:
            return [self.conv6(torch.cat([d1, d2, d3, x[1]], 1)), x[1]]

class SelecSLS(nn.Module):
    """SelecSLS42 / SelecSLS60 / SelecSLS84

    Parameters
    ----------
    cfg : network config dictionary specifying block type, feature, and head args
    num_classes : int, default 1000
        Number of classification classes.
    in_chans : int, default 3
        Number of input (color) channels.
    drop_rate : float, default 0.
        Dropout probability before classifier, for training
    global_pool : str, default 'avg'
        Global pooling type. One of 'avg', 'max', 'avgmax', 'catavgmax'
    """

    def __init__(self, cfg, num_classes=1000, in_chans=3, drop_rate=0.0, global_pool='avg'):
        self.num_classes = num_classes
        self.drop_rate = drop_rate
        super(SelecSLS, self).__init__()

        self.stem = conv_bn(in_chans, 32, stride=2)
        self.features = SequentialList(*[cfg['block'](*block_args) for block_args in cfg['features']])
        self.from_seq = SelectSeq()  # from List[tensor] -> Tensor in module compatible way
        self.head = nn.Sequential(*[conv_bn(*conv_args) for conv_args in cfg['head']])
        self.num_features = cfg['num_features']
        self.feature_info = cfg['feature_info']

        self.global_pool, self.fc = create_classifier(self.num_features, self.num_classes, pool_type=global_pool)

        for n, m in self.named_modules():
            if isinstance(m, nn.Conv2d):
                nn.init.kaiming_normal_(m.weight, mode='fan_out', nonlinearity='relu')
            elif isinstance(m, nn.BatchNorm2d):
                nn.init.constant_(m.weight, 1.)
                nn.init.constant_(m.bias, 0.)

    @torch.jit.ignore
    def group_matcher(self, coarse=False):
        return dict(
            stem=r'^stem',
            blocks=r'^features\.(\d+)',
            blocks_head=r'^head'
        )

    @torch.jit.ignore
    def set_grad_checkpointing(self, enable=True):
        assert not enable, 'gradient checkpointing not supported'

    @torch.jit.ignore
    def get_classifier(self):
        return self.fc

    def reset_classifier(self, num_classes, global_pool='avg'):
        self.num_classes = num_classes
        self.global_pool, self.fc = create_classifier(self.num_features, self.num_classes, pool_type=global_pool)

    def forward_features(self, x):
        x = self.stem(x)
        x = self.features(x)
        x = self.head(self.from_seq(x))
        return x

    def forward_head(self, x, pre_logits: bool = False):
        x = self.global_pool(x)
        if self.drop_rate > 0.:
            x = F.dropout(x, p=self.drop_rate, training=self.training)
        return x if pre_logits else self.fc(x)

    def forward(self, x):
        x = self.forward_features(x)
        x = self.forward_head(x)
        return x

def _create_selecsls(variant, pretrained, **kwargs):
    cfg = {}
    feature_info = [dict(num_chs=32, reduction=2, module='stem.2')]
    if variant.startswith('selecsls42'):
        cfg['block'] = SelecSLSBlock
        # Define configuration of the network after the initial neck
        cfg['features'] = [
            # in_chs, skip_chs, mid_chs, out_chs, is_first, stride
            (32, 0, 64, 64, True, 2),
            (64, 64, 64, 128, False, 1),
            (128, 0, 144, 144, True, 2),
            (144, 144, 144, 288, False, 1),
            (288, 0, 304, 304, True, 2),
            (304, 304, 304, 480, False, 1),
        ]
        feature_info.extend([
            dict(num_chs=128, reduction=4, module='features.1'),
            dict(num_chs=288, reduction=8, module='features.3'),
            dict(num_chs=480, reduction=16, module='features.5'),
        ])
        # Head can be replaced with alternative configurations depending on the problem
        feature_info.append(dict(num_chs=1024, reduction=32, module='head.1'))
        if variant == 'selecsls42b':
            cfg['head'] = [
                (480, 960, 3, 2),
                (960, 1024, 3, 1),
                (1024, 1280, 3, 2),
                (1280, 1024, 1, 1),
            ]
            feature_info.append(dict(num_chs=1024, reduction=64, module='head.3'))
            cfg['num_features'] = 1024
        else:
            cfg['head'] = [
                (480, 960, 3, 2),
                (960, 1024, 3, 1),
                (1024, 1024, 3, 2),
                (1024, 1280, 1, 1),
            ]
            feature_info.append(dict(num_chs=1280, reduction=64, module='head.3'))
            cfg['num_features'] = 1280

    elif variant.startswith('selecsls60'):
        cfg['block'] = SelecSLSBlock
        # Define configuration of the network after the initial neck
        cfg['features'] = [
            # in_chs, skip_chs, mid_chs, out_chs, is_first, stride
            (32, 0, 64, 64, True, 2),
            (64, 64, 64, 128, False, 1),
            (128, 0, 128, 128, True, 2),
            (128, 128, 128, 128, False, 1),
            (128, 128, 128, 288, False, 1),
            (288, 0, 288, 288, True, 2),
            (288, 288, 288, 288, False, 1),
            (288, 288, 288, 288, False, 1),
            (288, 288, 288, 416, False, 1),
        ]
        feature_info.extend([
            dict(num_chs=128, reduction=4, module='features.1'),
            dict(num_chs=288, reduction=8, module='features.4'),
            dict(num_chs=416, reduction=16, module='features.8'),
        ])
        # Head can be replaced with alternative configurations depending on the problem
        feature_info.append(dict(num_chs=1024, reduction=32, module='head.1'))
        if variant == 'selecsls60b':
            cfg['head'] = [
                (416, 756, 3, 2),
                (756, 1024, 3, 1),
                (1024, 1280, 3, 2),
                (1280, 1024, 1, 1),
            ]
            feature_info.append(dict(num_chs=1024, reduction=64, module='head.3'))
            cfg['num_features'] = 1024
        else:
            cfg['head'] = [
                (416, 756, 3, 2),
                (756, 1024, 3, 1),
                (1024, 1024, 3, 2),
                (1024, 1280, 1, 1),
            ]
            feature_info.append(dict(num_chs=1280, reduction=64, module='head.3'))
            cfg['num_features'] = 1280

    elif variant == 'selecsls84':
        cfg['block'] = SelecSLSBlock
        # Define configuration of the network after the initial neck
        cfg['features'] = [
            # in_chs, skip_chs, mid_chs, out_chs, is_first, stride
            (32, 0, 64, 64, True, 2),
            (64, 64, 64, 144, False, 1),
            (144, 0, 144, 144, True, 2),
            (144, 144, 144, 144, False, 1),
            (144, 144, 144, 144, False, 1),
            (144, 144, 144, 144, False, 1),
            (144, 144, 144, 304, False, 1),
            (304, 0, 304, 304, True, 2),
            (304, 304, 304, 304, False, 1),
            (304, 304, 304, 304, False, 1),
            (304, 304, 304, 304, False, 1),
            (304, 304, 304, 304, False, 1),
            (304, 304, 304, 512, False, 1),
        ]
        feature_info.extend([
            dict(num_chs=144, reduction=4, module='features.1'),
            dict(num_chs=304, reduction=8, module='features.6'),
            dict(num_chs=512, reduction=16, module='features.12'),
        ])
        # Head can be replaced with alternative configurations depending on the problem
        cfg['head'] = [
            (512, 960, 3, 2),
            (960, 1024, 3, 1),
            (1024, 1024, 3, 2),
            (1024, 1280, 3, 1),
        ]
        cfg['num_features'] = 1280
        feature_info.extend([
            dict(num_chs=1024, reduction=32, module='head.1'),
            dict(num_chs=1280, reduction=64, module='head.3')
        ])
    else:
        raise ValueError('Invalid net configuration ' + variant + ' !!!')
    cfg['feature_info'] = feature_info

    # this model can do 6 feature levels by default, unlike most others, leave as 0-4 to avoid surprises?
    return build_model_with_cfg(
        SelecSLS, variant, pretrained,
        model_cfg=cfg,
        feature_cfg=dict(out_indices=(0, 1, 2, 3, 4), flatten_sequential=True),
        **kwargs)

@register_model
def selecsls42(pretrained=False, **kwargs):
    """Constructs a SelecSLS42 model.
    """
    return _create_selecsls('selecsls42', pretrained, **kwargs)

@register_model
def selecsls42b(pretrained=False, **kwargs):
    """Constructs a SelecSLS42_B model.
    """
    return _create_selecsls('selecsls42b', pretrained, **kwargs)

@register_model
def selecsls60(pretrained=False, **kwargs):
    """Constructs a SelecSLS60 model.
    """
    return _create_selecsls('selecsls60', pretrained, **kwargs)

@register_model
def selecsls60b(pretrained=False, **kwargs):
    """Constructs a SelecSLS60_B model.
    """
    return _create_selecsls('selecsls60b', pretrained, **kwargs)

@register_model
def selecsls84(pretrained=False, **kwargs):
    """Constructs a SelecSLS84 model.
    """
    return _create_selecsls('selecsls84', pretrained, **kwargs)

redpajama_set_name: RedPajamaGithub