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Have you ever wanted to know exactly what your dog is thinking? Pet owners around the country are starting to get the answers, with help from a device teaching animals how to talk."I really wanted a smart dog because I was pretty invested in the training process," said Alexis Devine, from Tacoma, Washington.Devine knew early on she wanted to test the boundaries of communication with her Sheepadoodle, Bunny. She was inspired by speech pathologist Christina Hunger, who went viral for teaching her dog how to talk with an augmentative and alternative communication (AAC) system. These devices are typically used in speech therapy to help non-verbal people to communicate. "I thought when we get our puppy, I have to try this out, and I bought the buttons long before we got Bunny," said Devine. Devine started small, purchasing a few sound buttons from Amazon. "Outside" was Bunny's first word. Devine pressed it every time they left the house, and soon enough, Bunny was pushing it on her own to go outside."She uses 'park' and 'beach' constantly, 'outside' quite a bit. She uses 'walk' a lot, 'ball', 'tug', and 'hippo' are really popular. 'Love you, mom,' are really popular," Devine said. Now, with over 40 buttons, Bunny is starting to form sentences."One of her longest sentences to date was, 'Home. Concerned. Soon poop, yes,' which felt very much like a toddler," Devine explained. "Like, 'I have to poop right now. We're in the house. I don't want to be.'" In addition to narrating what's happening around her, Bunny communicates what she wants and how she feels."A couple of days ago she pressed 'help' and then 'ouch' and put her left front paw on my hand, and I started looking between her paws and found a foxtail," Devine recalled. An invasive grass, foxtails are razor-sharp and can burrow into a dog's paw, causing infection."Who knows what's actually going on here, but I think if it's possible for our animals to tell us when and where they are in pain. It could revolutionize veterinary science," said Devine. Devine is now beta testing the FluentPet soundboard, a hexagonal tile grid created specifically for animals. The company combined ideas from speech-language pathology and cognitive science to develop intuitive arrangements designed to help owners and pets remember word locations. Everything Bunny says is recorded on video and sent to researchers studying how dogs understand words. The company is working with the Comparative Cognition Lab at UC San Diego, which studies the cognitive behavior and abilities of children, adults, and a variety of non-human animals."Does it matter if they start as a puppy or if they start later in life? Does it matter what breed they are? Does it matter what gender they are?" wondered Devine. They'll also be looking at processing time. Devine says their small group of beta testers is learning responses can take anywhere from 10 to 40 seconds. Bunny is now talking to people around the world. On TikTok, @what_about_bunny has amassed over 3 million followers and nearly 300,000 on Instagram. Thousands have ordered sound buttons through Amazon or FluentPet to teach their dogs, and cats, how to talk. One talkative feline, @billispeaks, is capturing the hearts of thousands on social media. She's often spotted pressing her favorite word, "mad." "I think what I would like the takeaway for everyone to be is--not 'Oh my god, our dogs can talk' but 'Oh my god, our dogs have been saying these things all along and we haven't been listening,'" said Devine.Devine says she remains skeptical. While Bunny's words make sense some days, they don't on others. She hopes they'll learn more as new dogs are studied."It's too early, but I'm really excited to see what comes out of it," she said.Either way, she says it's been an incredible tool to bond with Bunny.For those unsure where to start, FluentPet created a community-built guide with tips and tricks, do's and don'ts, and how-tos for modeling the most common first concepts. 4002

Heading into the workforce saddled with student loan debt can make any new graduate panic. But many borrowers have the power to make their loan payments more manageable — and fail to take advantage of it.A new NerdWallet analysis puts the Class of 2018 in retirement at age 72 after years of careful budgeting, debt repayment and savings. The first 10 years of that long-term financial plan is spent siphoning a considerable amount into student loan payments, though the analysis indicates stretching that repayment term out could make saving for retirement and even their first home a little easier.“The 10-year repayment plan is the one federal loan borrowers are automatically funneled into, unless they pick a different one,” says Brianna McGurran, NerdWallet student loans expert. “But there are lots of other options out there.”Most student borrowers are in a 10-year repayment plan, which is a strong option for getting rid of their loans fast — if they can afford it. Just 39% of recent undergraduates who have student loan debt think it’s likely they’ll pay off their loans in a decade, according to a related online survey conducted by The Harris Poll.Their doubt is understandable — the NerdWallet analysis indicates new graduates with an average amount of loan debt would have payments of approximately 0 each month for 10 years. Higher-than-average student debt, additional debt burdens, unexpected financial blows, or a lower-paying first job out of school could make these payments unmanageable.“It’s up to grads to learn about what’s available and advocate for themselves with their student loan servicers to get what they need,” McGurran says.By contacting their servicer, federal borrowers can change their repayment plan or otherwise ease up the payments with one of these approaches:Graduated repayment plan. Payments start lower and increase every two years with a graduated repayment plan, but the repayment term remains at 10 years total. This may be a good option if your ability to pay will increase as you move through the first several years of your career.Extended repayment plan. Moving into an extended repayment plan will stretch your loan payments out to 25 years. Your monthly responsibility will be lower, but you’ll pay more in interest during that time.Income-driven repayment. There are four income-driven repayment plans available for federal student loan borrowers. These cap your monthly payments at 10%-20% of your income, and extend the repayment term to 20 or 25 years. You’ll pay more in interest due to the longer term, and income-driven repayment plans require you to reapply each year.Consolidation. Federal student loan consolidation won’t likely lower your payments dramatically, but it can put multiple loans into a single payment. It’s also a good option if you’re in default and want to get your student debt back in good standing.Refinancing. Student loan refinancing can give you a lower interest rate and therefore lower payments, but it requires a credit score in the high 600s at least. Because refinancing makes you ineligible for income-driven repayment options in the future, this option is best for people with higher incomes.More From NerdWallet 3278

Here is footage of the #Trump campaign #MAGA flag waving outside of #LongBeach PD HQ.??#LBPD spokesperson says the stunt was "unauthorized" & the PD is a "apolitical organization." pic.twitter.com/Nffvsn8ixZ— The Modern Times of Long Beach (@ModernTimesLB) October 4, 2020 284

FULTON COUNTY, Indiana — Three children were killed in a crash Tuesday morning while waiting for a school bus in Fulton County, Indiana.The crash happened at about 7:30 a.m. local time. Four total students were hit, according to Indiana State Police.Three were killed, the fourth was airlifted to a Fort Wayne hospital. The three students who were killed were from the same family, according to Indiana State Police. The fourth is not related.Alyssa Shepherd, 24, has been charged with three counts of reckless homicide and one count of passing a school bus while it's arm is extended causing injury. Police claim that she did not stop despite the stop arm of the bus being extended. Police said that Shepherd has been cooperative in their investigation. The children killed were 6-year-old twin boys and a 9-year-old girl. The boy taken to Fort Wayne is 11 years old. That boy suffered many broken bones.The students attended a school in the Tippecanoe Valley School District. The corporation released the following statement: 1065

Holding global warming to a critical limit would require "rapid, far-reaching and unprecedented changes in all aspects of society," says a key report from the global scientific authority on climate change.The Intergovernmental Panel on Climate Change (IPCC) report was released Monday at the 48th Session of the IPCC in Incheon, South Korea.It focuses on the impacts of global warming reaching 1.5 degrees Celsius (2.7 degrees Fahrenheit) above pre-industrial levels. The planet is already two-thirds of the way there, with global temperatures having warmed about 1 degree C.According to the report, the planet will reach this crucial threshold as early as 2030 based on our current levels of greenhouse gas emissions -- and avoiding going even higher will require significant action in the next few years.Global net emissions of carbon dioxide would need to fall by 45% from 2010 levels by 2030 and reach "net zero" around 2050 in order to keep the warming around 1.5 degrees Celsius.Lowering emissions to this degree would require widespread changes in energy, industry, buildings, transportation and cities, the report says.But even if warming is able to be kept to 1.5 degrees Celsius, the impacts would be widespread and significant.Temperatures during summer heatwaves, such as those just experienced across Europe this summer, can be expected to increase by 3 degrees Celsius, according to the report.More frequent or intense droughts, such as the one that nearly ran the taps in Cape Town, South Africa, dry, as well as more frequent extreme rainfall events such as hurricanes Harvey and Florence in the United States, are also pointed to as expectations as we reach the warming threshold.Monday's report is three years in the making and is a direct result of the 2015 Paris Climate Agreement. In the Paris accord, 197 countries agreed to the goal of holding global temperatures "well below" 2 degrees C above pre-industrial levels and to pursue efforts to limit it to 1.5 degrees C.The United States was initially in the agreement. But President Donald Trump pulled the country out?a year and half later, claiming it was unfair to the country. 2185

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