Policy termination and vacation for daycare

Working From Home

2010.12.08 17:30 Working From Home

Welcome to /WFH - 'Working From Home,' the subreddit dedicated to those of us who work from home, be it for yourself or a company. Learn tips and tricks to make yourself more productive, avoid distractions and generally make your experience a more positive one.
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2015.03.05 21:23 Japan Travel Tips – general discussion, quick questions, and tips!

Have a quick question about traveling in Japan? Want to share a tip or suggestion? Looking for broad recommendations? You've come to the right place!
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2008.12.23 23:29 Vermonting Vermonters

Happily encouraging any articles, discussions, get-togethers, events, happenings and local news about the fantastic State of Vermont.
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2024.05.15 22:41 Ok-Volume-7103 Making a tough decision about whether to accept or turn down a TT job

I am currently a postdoc and have a good chance of being offered a TT position in my field at a SLAC in a small rural town. To give some more context about the position, the TT position is a hire for a new Department that is being built, and the position itself has a couple million dollar research endowment from public/private donors to support the research program. There is also a possibility of a 5 year renewal in endowment. During the job talk I met with faculty who were incredibly nice and extremely supportive of my vision and research goals. This opportunity presents an immense possibility to grow my research and impact national policy. While I was on the campus, I lit up because the university is gorgeous, and the staff were so incredible. However, when I stepped off campus into the small town (btw, you can walk the length of the main street in 5 mins), my heart sank as it was quite depressing. I currently live in a very large city and have a wonderful life here that my family and I enjoy. I have only ever lived in very large cities and have received my education from top ranked R1 institutions in large cities. I am also a visible minority and while this university town is definitely open minded, I still felt an awareness of my minority positionality amongst a predominately white population.
After visiting, I am having second thoughts about taking the job if it is offered to me due to how it will impact my family life. My husband is not an academic, but is/was supportive of me applying, and seems to be open to exploring the idea of moving. To be honest, we both didn't know if I would even get to this final stage. If the job is offered, we will visit the town as a family to ensure we make a sound decision. But here is the problem, while we both say we are open to moving, and welcome the opportunity, our hearts are saying no. We really love our life in our current city, but there aren't many opportunities available in my field for future growth. I have been ambitious about my professional career, but as we have a young family, my priorities have shifted. I list some pros/cons of the position below:
PROS
CONS
I have a good feeling I am the top contender for this job and it will be offered to me very soon. Yet, my head (which says take the job and launch your career), is on the opposite page with my heart and body (which says, this is not a good fit for your family). I am wondering if I have failed to consider other things that can help me with the decision making.
submitted by Ok-Volume-7103 to AskAcademia [link] [comments]


2024.05.15 22:35 WCInvestor A Physician Disability Insurance Primer - Do You Really Need It?

A Physician Disability Insurance Primer - Do You Really Need It?
The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes.

TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance

  1. The best Disability Insurance policy is an individual, portable, own-occupation, specialty-specific policy.
  2. Purchase disability insurance from an independent agent who can show you policies from all of the major companies. We have a list of recommended Disability Insurance agents used by thousands of white coat investors each year.
  3. Buy as much disability insurance as they are willing to sell you as a resident. Include a future purchase option (sometimes called a “benefit purchase rider” or “future increase option”) and a cost of living disability insurance rider.
  4. As an attending, increase your coverage to cover both your living expenses and retirement savings if you were to work to age 65.
  5. You may get sticker shock, but the reason disability insurance is expensive is that it actually gets used. Slightly more than 1 out of 4 adults will experience a disability before they retire. Physician disability insurance agents often use a figure of 1 out of 7 doctors actually using the disability insurance they purchase. Whatever the true statistic may be, it's certainly high enough to insure against.
Do not take the risk of not having disability insurance.

What Is Disability Insurance?

Disability insurance gives you an income to live on if you become so disabled that you can no longer work.
If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death).

Why Do Physicians Need Disability Insurance?

One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.

How Does Disability Insurance Work?

Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.

Short-Term vs. Long-Term Disability

Disability insurance is most commonly divided into short-term and long-term.

Short-Term Disability

A short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.

Long-Term Disability

A long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.

What Does Disability Insurance Cover?

Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.

The Definition of Disability

The most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.
Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect.

Own-Occupation, Specialty-Specific

Probably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.

Own-Occupation Definition

Under this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.
Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances.

Transitional Own-Occupation

Your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.

Modified Own-Occupation

Your policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”

Any-Occupation

Your policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.
One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition.

Do You Really Need an Own-Occupation, Specialty-Specific Policy?

Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.

Mental Disorders/Substance Abuse

Many policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.
According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment.
You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more.

Presumptive Total Disability

As you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.
Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent.

Cosmetic Surgery/Transplant Surgery

Some policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.

Disability Insurance Exclusions & Limitations

Disability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:
  • War or Act of War (this could probably be interpreted pretty broadly)
  • Active Military Duty (having served, this is pretty stupid since 95%+ of our military folks are never in any kind of serious danger of being hurt by a combatant)
  • Normal Pregnancy (don't want to work because you're eight months pregnant? Don't bother trying to get disability benefits for that)
  • Foreign Travel (varies by policy, but many don't cover you during that European vacation, much less that humanitarian trip to Sudan—read the fine print)
  • Mental/Nervous Disorder (many companies limit benefits to two years, where they might pay for “physical” disorders until you're 65 years old)
  • Medical Exclusions (any medical conditions you have at the time the policy is issued will likely be excluded, meaning if you have heart disease at the time of issuance and it leads to you being disabled five years later, the policy isn't going to pay. Again, apply when you are young and healthy and/or when you haven't had medical problems for several years to minimize this.)

Residual Disability

Residual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.
Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%.
Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met.

Partial Disability vs. Residual Disability

Partial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.

Recovery Benefits

A physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.

Recommendations for Physicians on Disability Insurance Riders

Here's an easy cheat card to help you know at a glance what we think about all of the various riders available.
https://preview.redd.it/akf6t5iqfn0d1.png?width=800&format=png&auto=webp&s=3f8b415d0101d729fdfa51bc9147993309147d75

Who Needs Disability Insurance?

Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.

How Much Physician Disability Insurance Do I Need?

As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.
Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all.

Average Cost of Disability Insurance for Physicians

Unlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.

Graded vs. Level Premiums

One way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.
Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums.

What Disability Insurance Discounts Are Available for Doctors?

Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:
  • Unisex discounts
  • Student/Resident/Fellow discounts
  • Multi-life institution discounts
  • Guaranteed Standard Issue (GSI) institution discounts
  • Association discounts
Learn more about physician disability insurance discounts.

How Do I Buy Disability Insurance?

The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.
For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that.

What Type of Disability Insurance Should I Buy?

There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.

Individual Disability Policy

There are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.

Group Disability Policy

A group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.

How to Compare Disability Insurance Policies

The most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.
Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another.

When to Buy Disability Insurance?

You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.

Best Disability Insurance for Physicians

I keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.
Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have.
submitted by WCInvestor to whitecoatinvestor [link] [comments]


2024.05.15 21:55 im_rarely_wrong Can someone explain this email to me

I was sending job applications in Germany and I received this email:
Da ich in der kommenden Woche im Urlaub bin, lass uns gerne einen Termin ab dem 28.05.2024 finden.
Wann passt es Dir in dieser Woche am besten?
and I'm having trouble making sense of it. Is he saying since he's on vacation next week, we should have an interview after May 28th or before? Because he says when's the best time for me this week, I'm confused.
submitted by im_rarely_wrong to German [link] [comments]


2024.05.15 21:46 alicesartandmore Denied a chance to donate plasma because of my weight

I'm just really upset right now. I've been struggling to get by since I was wrongfully terminated from a job I loved because of my disabilities. My car insurance is due in the next two weeks and I don't have the money or anyone to borrow it from. I decided to try to donate my plasma to a place that pays you for it and took the hour drive out this afternoon for my appointment. Prior to scheduling it, I scoured the company's website for anything that might disqualify me from donating to avoid wasting my time. There was mention of drug use and certain health issues potentially disqualifying you, but no mention of weight limit or anything like that. So I went and spent thirty minutes doing intake just for them to tell me that I couldn't donate because of my weight, so I wouldn't be able to earn the payments to cover my car insurance. Not only that, but I borrowed the $20 in gas that it took to get there with the promise to repay it from my first payment, which obviously isn't happening now. So not only was I humiliated, I'm now even further in the financial hole than I was yesterday with no way out. I sent the company an email expressing my severe disappointment in their failure to clearly communicate such a firm policy but it doesn't really change anything.
submitted by alicesartandmore to PlusSize [link] [comments]


2024.05.15 21:41 Spendinit Terminated for breaking a policy

Hello. So I was terminated from my job yesterday for breaking a company policy, apparently. They said that I failed to tell them that I was terminated from a job I had five years ago during my first phone interview. I do not recall them asking this question. I guess it is possible that they asked it and I just wasn't thinking at the moment, but I honestly don't recall them asking me that. Noteworthy, this was a peer support job. So the termination and felonies I had on my criminal record all occurred when I was admittedly using drugs. They were ok with felonies, but not ok with me being terminated from a job lol. The irony is, the way they knew I was terminated from a job 5 years ago was from me telling my direct supervisor about it happening. If I was trying to hide it, would I have done that?
Anyway, will my claim be approved or denied for this?
submitted by Spendinit to OhioUnemployment [link] [comments]


2024.05.15 21:25 Emotional_Highway473 [LA] Can I get Fired for my Roommates Actions?

Hi everyone. I am an athletic trainer moving to Louisiana for my graduate medical training. I have already been offered and accepted a position at a hospital, however I am running across a major problem.
My job has a no exceptions policy on drugs, and if I am suspected of being under the influence, I will be fired immediately. The main issue is marijuana. I am clean, but my roommate who is one of my long term best friends smokes pretty much every day, all day (she works from home). I am worried that if the smell clings on clothes, I will be terminated, or if I get secondhand from smoke, I will be terminated. I know that Louisiana is an at-will state and I can get fired for just about anything.
I guess what I'm trying to figure out is if there is anything I can do to prevent this? I am moving from out of state here, and I need a roommate as my finances aren't in order to live alone, so I went with a friend vs a stranger. If I were to get a medical card, would that help my case? I have asked my friend if she can just smoke outside vs inside, but if she does while I'm at work, there's too many possibilities that I could get in trouble. I just really need help as I don't want to talk to HR at the hospital because that might put a target on my back.
submitted by Emotional_Highway473 to AskHR [link] [comments]


2024.05.15 21:20 Emotional_Highway473 Fired for my roommates smoking? (Louisiana)

Hi everyone. I am an athletic trainer moving to Louisiana for my graduate medical training. I have already been offered and accepted a position at a hospital, however I am running across a major problem.
My job has a no exceptions policy on drugs, and if I am suspected of being under the influence, I will be fired immediately. The main issue is marijuana. I am clean, but my roommate who is one of my long term best friends smokes pretty much every day, all day (she works from home). I am worried that if the smell clings on clothes, I will be terminated, or if I get secondhand from smoke, I will be terminated. I know that Louisiana is an at-will state and I can get fired for just about anything.
I guess what I’m trying to figure out is if there is anything I can do to prevent this? I am moving from out of state here, and I need a roommate as my finances aren’t in order to live alone, so I went with a friend vs a stranger. If I were to get a medical card, would that help my case? I have asked my friend if she can just smoke outside vs inside, but if she does while I’m at work, there’s too many possibilities that I could get in trouble. I just really need help as I don’t want to talk to HR at the hospital because that might put a target on my back.
submitted by Emotional_Highway473 to legal [link] [comments]


2024.05.15 21:13 Throwaway8892927 Daycare Waitlist [ON]

Hi everyone,
I’m looking to get an idea where you may be on the waitlist for daycares and when you signed up. Some daycares are not sharing where I am placed in the daycare list and just confirming there are no spots. And I have two daycares where I’m number #37 in one list and #19 in another which is the closest spot. I’ve signed up in January 2023 when I was in my first trimester. Both haven’t moved in months and I’m approaching my return date in September when my LO will be 13 months and there’s only 10 spots available at each daycare. Im contacting home daycares regardless but also that’s been tricky as well to find a licensed one. I’m in Ontario, GTA West.
If you were in a similar position in the list and got into a daycare, how soon did you hear about an available spot if you were in the top #30? Even if it’s infant or toddler spot. I understand that each daycare has a policy on waitlists for siblings, transfers, etc. so I get the list is not so linear. Thanks :)
submitted by Throwaway8892927 to BabyBumpsCanada [link] [comments]


2024.05.15 20:53 SamuelSmash Installed voidlinux, no sound even though pipewire is installed and also can't start the web browser normally.

I use polybar with a script that uses pact, the first thing I've noticed is that I get a connection failure timeout with pactl.
I login thru tty, so pipewire gets started by my window manager in this case.
[E][01824.591418] mod.protocol-native [module-protocol-: 760 lock_socket()] server 0x55c3877a7eb0: unable to lock lockfile '/run/use1000/pipewire-0.lock': Resource temporarily unavailable (maybe another daemon is running) [E][01824.591532] pw.conf [ conf.c: 584 load_module()] 0x55c38775f6f0: could not load mandatory module "libpipewire-module-protocol-native": Resource temporarily unavailable [W][01824.591544] mod.rt [ module-rt.c: 316 translate_error()] RTKit error: org.freedesktop.DBus.Error.ServiceUnknown [W][01824.591557] mod.rt [ module-rt.c: 1026 do_rtkit_setup()] RTKit does not give us MaxRealtimePriority, using 1 [W][01824.591787] mod.rt [ module-rt.c: 316 translate_error()] RTKit error: org.freedesktop.DBus.Error.ServiceUnknown [W][01824.591794] mod.rt [ module-rt.c: 1031 do_rtkit_setup()] RTKit does not give us MinNiceLevel, using 0 [W][01824.592002] mod.rt [ module-rt.c: 316 translate_error()] RTKit error: org.freedesktop.DBus.Error.ServiceUnknown [W][01824.592008] mod.rt [ module-rt.c: 1036 do_rtkit_setup()] RTKit does not give us RTTimeUSecMax, using -1 [E][01824.592170] default [ pipewire.c: 105 main()] failed to create context: Resource temporarily unavailable 
And yes pipewire and pipewire-pulse are installed. I also made sure to run xbps-install -Su to update the system.
The other issue is that my web browser (Brave) takes 5 minutes to start: I get these error on the terminal when doing so:
[7353:7353:0515/144226.357428:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.isEnabled: object_path= /modules/kwalletd6: org.freedesktop.DBus.Error.NoReply: Message recipient disconnected from message bus without replying [7353:7353:0515/144226.368437:ERROR:kwallet_dbus.cc(112)] Error contacting kwalletd6 (isEnabled) [7353:7353:0515/144226.377646:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KLauncher.start_service_by_desktop_name: object_path= /KLauncher: org.freedesktop.DBus.Error.ServiceUnknown: The name org.kde.klauncher was not provided by any .service files [7353:7353:0515/144226.377663:ERROR:kwallet_dbus.cc(81)] Error contacting klauncher to start kwalletd6 [7353:7353:0515/144226.433983:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.close: object_path= /modules/kwalletd6: org.freedesktop.DBus.Error.NoReply: Message recipient disconnected from message bus without replying [7353:7353:0515/144226.434015:ERROR:kwallet_dbus.cc(502)] Error contacting kwalletd6 (close) [7353:7353:0515/144251.459935:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.isEnabled: object_path= /modules/kwalletd5: org.freedesktop.DBus.Error.NoReply: Did not receive a reply. Possible causes include: the remote application did not send a reply, the message bus security policy blocked the reply, the reply timeout expired, or the network connection was broken. [7353:7353:0515/144251.459975:ERROR:kwallet_dbus.cc(112)] Error contacting kwalletd5 (isEnabled) [7353:7353:0515/144251.460601:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KLauncher.start_service_by_desktop_name: object_path= /KLauncher: org.freedesktop.DBus.Error.ServiceUnknown: The name org.kde.klauncher was not provided by any .service files [7353:7353:0515/144251.460631:ERROR:kwallet_dbus.cc(81)] Error contacting klauncher to start kwalletd5 [7353:7353:0515/144316.473286:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.close: object_path= /modules/kwalletd5: org.freedesktop.DBus.Error.NoReply: Did not receive a reply. Possible causes include: the remote application did not send a reply, the message bus security policy blocked the reply, the reply timeout expired, or the network connection was broken. [7353:7353:0515/144316.473339:ERROR:kwallet_dbus.cc(502)] Error contacting kwalletd5 (close) [7353:7353:0515/144316.474963:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.isEnabled: object_path= /modules/kwalletd: org.freedesktop.DBus.Error.ServiceUnknown: The name org.kde.kwalletd was not provided by any .service files [7353:7353:0515/144316.474987:ERROR:kwallet_dbus.cc(112)] Error contacting kwalletd (isEnabled) [7353:7353:0515/144316.475503:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KLauncher.start_service_by_desktop_name: object_path= /KLauncher: org.freedesktop.DBus.Error.ServiceUnknown: The name org.kde.klauncher was not provided by any .service files [7353:7353:0515/144316.475532:ERROR:kwallet_dbus.cc(81)] Error contacting klauncher to start kwalletd [7353:7353:0515/144316.475960:ERROR:object_proxy.cc(576)] Failed to call method: org.kde.KWallet.close: object_path= /modules/kwalletd: org.freedesktop.DBus.Error.ServiceUnknown: The name org.kde.kwalletd was not provided by any .service files [7353:7353:0515/144316.475981:ERROR:kwallet_dbus.cc(502)] Error contacting kwalletd (close) [7353:7353:0515/144316.484529:ERROR:chrome_browser_cloud_management_controller.cc(161)] Cloud management controller initialization aborted as CBCM is not enabled. 
However if I open another web-browser, then brave opens without issues afterwards? when I did that librewolf which was the other web browser froze for about 30 seconds.
submitted by SamuelSmash to voidlinux [link] [comments]


2024.05.15 20:03 Appropriate_Door_547 Permanent effects on career from getting fired?

Last year, I was fired for cause for “attitude” with regard to the company’s RTO policy. I had to take a huge step back both in responsibility- from F500 Network Eng, to an SA/helpdesk/maintenance man/wearer of all hats at a small, shitty family business - and in pay/vacation/benefits. I have between 5-10 years of experience (being a bit vague on purpose)
My question is, is my career still salvageable, and how long/to what extent will my firing be a permanent black mark/scarlet letter in regards to my career? Or will the step backwards hinder me more?
submitted by Appropriate_Door_547 to ITCareerQuestions [link] [comments]


2024.05.15 19:41 Firanx91 Malpractice Tail: Pay in full or Loan?

Hello WCI community,
Had a quick question/scenario and appreciate any advice.
I’m leaving my current private practice job in Southern California as an orthopedic surgeon. I’ve only been here since September of last year and my termination date will be 5/31. My group doesn’t provide tail so I’m obtaining it through a broker.
My policy started in March of 2023 despite me not starting practice until September (coming out of fellowship). For this reason my rates feel a bit high but despite me explaining my situation, it doesn’t seem to affect it. I haven’t done many cases except call stuff. No complications so far…
Best rates I’m getting are between $38-46k for unlimited coverage (lower end ones provide 3 years).
Question: I have just enough in my HYSA to pay the cost in full and be done with it. I won’t have much leftover until I get my signing bonus ($25k), and I’m waiting to hear when that comes.
Scenario 1: pay in full. Have a few thousand leftover for moving up to NorCal. Wait for signing bonus to help with costs.
Scenario 2: pay half (~$21k) and take a loan out for the rest (doc2doc or laurel road). I’m getting quoted ~13% APR on a 5 year loan of $20k. doc2doc says it’s a 1% monthly interest rate. Plan would be to pay off remaining loan once settled / signing bonus comes in ~1-3 months after I move.
What would you do? If I’m leaving out important details, I apologize and am happy to provide more if it helps. Appreciate input from the community!
submitted by Firanx91 to whitecoatinvestor [link] [comments]


2024.05.15 18:51 Contactunderground Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.

Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.
Shari Adamiak was a dedicated, disciplined volunteer contact worker who I had the honor to serve with as a fellow CE-5 Working Group Coordinator from 1992 till 1998. I honor her memory by posting her report describing an amazing encounter in Monterrey Mexico in 1994.

In the in-depth document posted below, prolonged telepathic exchanges reportedly occurred with two types of non-human beings, very small ones and a larger humanoid being.

Joseph Burkes MD 2024

https://preview.redd.it/as6f5zb6em0d1.jpg?width=344&format=pjpg&auto=webp&s=16480cf14969c0edf6d43660a953798006ff369e
CLOSE ENCOUNTERS OF THE FIFTH KIND IN MONTERREY,
MEXICO - DECEMBER 1994
By Shari Adamiak ©1995, Executive Director of CSETI

Introduction:
The following is an account - from my point of view - of events that occurred during a CSETI investigative team activation to Monterrey, Mexico in December of 1994. While necessarily somewhat subjective based on my own experiences, every attempt has been made to present an accurate depiction of events that were experienced by myself and our team.
CSETI Reacts to Flap in Mexico:
After seeing a tape of a "Hard Copy" program showing an active wave of UFO activity in Monterrey, Mexico - the third largest metropolis in Mexico - we made an effort to contact the researcher who had taken those videos. Santiago Yturria is a thorough researcher and skilled videographer who, along with Diana Perla Chapa, the host of a popular live talk show on Mexican network television, has had a UFO group for over 20 years in the state of Nuevo Leone.

Dr. Steven Greer, international director of CSETI, activated a CSETI Rapid Mobilization Investigative Team (RMIT) to Monterrey to investigate this current flap. Santiago, Diana, and the entire Ovni Club of N.L. assisted us, took us to sites, shared their evidence and graciously welcomed us to Monterrey. Dr. Greer, myself, a woman from New York and a man, also a videographer, from Minneapolis made up the CSETI team. (Names furnished upon request.)
Consciousness Connections:

Lucid dream activity played a significant role in the events that unfolded in Monterrey. Three of the team had dreams that proved to be portents of happenings on this project. I had a dream in the early hours of December 13th. In it, the extraterrestrials were showing us the spot where we should come in order to have a meeting with them. They showed me aerial views, in stop motion - each one closer to the ground - and marked the site with a strobing turquoise laser pattern. They showed me a view from the ground, looking up at some steep peaks, and showed it to me both in day and nighttime views. The night view revealed two stars in a particular configuration over one of the peaks.

That very afternoon, Santiago and his friends drove us to Las Mitres mountains, well known as an area of many sightings of UFOs. As we approached, it dawned on me that it was identical to what I was shown in my dream. We decided to use the spot as our field research site that night. When we came to Las Mitres (so named because the mountain peaks resemble a bishop's miter hat) that night, the two stars were indeed in the sky in the same position as I had seen in my lucid dream.

The Team Gets to Work:

The CSETI team had observed some anomalous objects in the sky at two different sites on the nights of December 11th and 12th, but the next two nights, the 13th and 14th at the Las Mitres sites, proved to be exceptional. The Las Mitres mountains contain a large cave where the local investigators believe that spacecraft conceal themselves when coming to the Monterrey area. And, unusually dense low clouds were known to form over the cave and other parts of the peaks very quickly. On the night of December 13th, the entire CSETI team set up camp at the base of Las Mitres. We were joined by an American woman who was a friend of one of our teammates, who was married to a Mexican man and living in Monterrey. She had arranged our lodging and transportation for us.

Around 10:30 pm, following our first Coherent Thought Sequencing (a CSETI protocol) session, we observed a very bright light that appeared in the zenith of the sky, traveling rapidly in an upward arc that terminated in the center of the constellation Orion. At 10:45 pm, very dense clouds materialized within a minute on parts of the sheer mountain cliffs.
The Close Encounters Begin:

At approximately 1:00 am, Dr. Greer and another team member were standing slightly down the gravel road when they observed a bright, strobe-like white light to appear at the edge of the mountain. At about the same time, I had gotten up and walked closer towards the brush at the base of the mountain. Dr. Greer looked for me to tell me of the strobe light and found me at the spot where it had appeared. As we stood there, another round light came rolling down the side of the steep slope. Just then, I felt some invisible energy that felt as if it were gently pulling me in deeper to the brush. Both Dr. Greer and I felt there was a presence nearby that, from past experience, led us to feel there was a spacecraft and extraterrestrial beings very nearby.

Just then, I began to perceive small, square-shouldered beings in the brush around us. They could be sensed and dimly seen, but a clear view of them wasn't possible. The little beings were extremely shy and reticent. They would scurry close to us, then backtrack quickly into the brush. We could not hear any brush moving or footsteps but we could dimly see them. To me, they seemed to have on uniforms that covered their body and legs that were a dull orange-rust color. They were very short, just up to my knees (I am 5'7"). I became aware of a telepathic message - they were concerned about our video camera, behind me to the right. I turned my head and looked. Sure enough, unknown to me previously as I had not seen it in the dark, was our teammate's professional camera set up on a tripod. I send back the mental message to them not to worry, the camera wasn't on and we wouldn't let him touch it. They seemed to trust my assurance, as the event continued to unfold. I related this two-way communication to Dr. Greer, who went back to the other three people and instructed them to stay where they were unless he called them forward.

These rich, rare exchanges with what appear to be extraterrestrial life forms are very delicate scenarios. Any sudden, rash or extreme emotion or movement can thwart the entire event and bring it to a screeching halt, and the extraterrestrials vanish. Sometimes our second-guessing of what is needed to allow an event to unfold in all its possible fullness is accurate; sometimes it is not. It is almost like hesitant dance partners, longing but afraid to get closer. Until we as a people are more accepting of close contact with extraterrestrials, our interactions are likely to continue in this way.

I could mentally 'hear' concerned conversation going on amongst the small beings. They eventually conveyed to me the message, again mentally, that they were having difficulty adjusting our energies in preparation for a meeting because my physical energy was concentrated on my stomach, trying to digest some food. Just before all this began, I had eaten about a half of a Power Bar, a dense protein energy food. It was cold and hard from being in my gear bag for hours and I could feel it kind of just laying in my stomach. At this point, I sent a very deliberate message to the life forms: "I give you permission to take it out of my body". Suddenly, I felt as if someone were standing some distance away with a fishing line whose hook was inside my stomach. It felt as if someone were slowing reeling in the line as the food came back out the way it went in. Now, I detest vomiting more than almost anything and I was struck by the gentleness that was used in removing this food from my body. It was only mildly unpleasant. Dr. Greer, an emergency physician, asked me if I was alright. I told him that I was fine and that this was being done with my permission. After this little purging, the energy felt softer, with less intense vibration.

Soon the little beings sent both Dr. Greer and I the message that if we removed our glasses, we would be able to see them better. Although I normally use contact lenses, glasses are preferable for field work when wind and dust often get blown into my eyes, plus the fact that we are often in the field until the wee hours of the morning. After receiving this message, we each removed our glasses. One last request from the little ETs - that we remove our hats (it had been a chilly night.) At this point, I could actually feel a harmonious flow of energy between us, the little beings, and some other unseen source.

Another Being is Perceived:

At this point, the small life forms disappeared. Shafts of golden light began to come from an unknown, unseen source and lay across the bushes in front of us. We learned later that the three other team members behind us could see this as well, although they had not been able to perceive the small beings. I could feel one of these shafts of light approach me and fill my torso with a warm, golden glow. After the light rays faded, a large oval of bluish fog began to form about ten feet in front of us. As the blue mist began to coalesce, Dr. Greer and I became aware of a being within it. Although again we could see him only dimly, he appeared very humanoid, tall, with long and straight silverish hair. He appeared to be clothed in a light blue and silver uniform.

We learned later that one team member saw a tendril of the blue fog travel along the ground towards her. It frightened her a little until the mist reached her foot and began to send wisps around her feet. She later told us that there was a gentle kindness about the fog and all misgivings vanished. However, our American friend who was not an actual team member became very frightened by the golden light and blue fog.

We learned later that it was all too much for her - something the extraterrestrial would tell us. For as we stood there facing one another, the tall being sent us a message that they would very much like to manifest more fully in the physical to meet with us, but that if they did so, one of our team members would be dangerously frightened. Their caution and concern were touching. And a far cry from the crying wolf that goes on so often when extraterrestrials are said to be heartless, devoid of feeling, and out to harm human beings. We in CSETI feel that this type of encounter points up the absolute need and appropriateness of doing real-time field work in our efforts to learn exactly what these beings are all about.

It is important, and interesting, to note that both Dr. Greer and myself received nearly identical mental messages each time there was a communication from the extraterrestrial.

Dr. Greer and I consulted one another and decided to send a joint message. We told the tall being that if they could not come to us, it was okay with us if they could take us to where they were. We could sense this was being discussed with a 'central command control', or his more senior team members. Dr. Greer and I saw a copper-gold sphere, ten to twelve feet in diameter, begin to coalesce to the left of the tall being. It never reached material solidity but soon began to disperse. The tall being then sent us a message that it would frighten our teammates just as much to see us disappear in front of their eyes as it would for the ETs to manifest right there. At this time, we had no idea that any member of our team was having difficulty coping with these events.
Soon Again, Soon Again:

Finally, after what seemed like a few moments, the tall being sent us a message that they would not be able to manifest fully in the physical this night. But they sent a message: "soon again; soon again". At this point, Dr. Greer went back to speak with the other team members and I stayed put. For the next five minutes, the being and I exchanged blessings to each other, to our teams. It was poignant and lovely. I cannot recall any of the actual 'words' or specific communications; it was not a left-brained exchange, but was beyond the bounds of linear thought.

Their Reluctance is Proven Out:

When I joined the others, I learned that our American friend had become extremely frightened, so much so that she had taken refuge in our vehicle. We had designated the big Suburban as the 'safe area". We do this on all our field research - setting aside a specific enclosure that any team member can go to if unfolding events prove fearful to them. In fact, it is our policy to send a 'buddy' along, who remains with them the entire time they wish to stay in the safe area. We divide into buddies at the beginning of our field session so that each team member is accounted for, and accountable, at all times. She told us that if she had seen anything more from the ETs, she would have run screaming down the mountainside.

Preparation is Key:

Her reactions impressed upon us the importance of training for each team member. It served as a strong reminder to us to be more stringent in adherence to our policies regarding untrained guests who wanted to join our field work. Much to my surprise, Dr. Greer and I learned from our teammates that we had been standing there, exchanging communication with the extraterrestrials, for nearly two hours. We both thought no more than thirty minutes had elapsed. By this time, it was nearly 3:00 am, so we broke camp and went home.

The Encounters Continue:

The following day was a busy one with an appearance on Diana Chapa's live TV show in the morning, a field trip to another site in the afternoon, and a talk at the Ovni Club that evening. It was about 11:30 pm by the time we were driving up the narrow road to our Las Mitres site. Interestingly, our videographer teammate was absent from field work. He had decided to stay in the city to visit his friend and her son. As the Suburban headed up the gravel lane, Dr. Greer and I simultaneously observed a small, bright light on the side of Las Mitres. We knew from the previous night that there was no light normally in that area. Tonight we also had with us our American friend's Mexican husband. He and our driver assured us there were no houses, no power lines, no roads, nothing on the sheer cliffs of Las Mitres.

As we came to the base of the mountain, Dr. Greer jumped from the Suburban while it was still rolling. The other woman and I jumped out and grabbed the bare necessities of field gear: a 500,000-candle power portable halogen light, our night vision scope, binoculars, a small camcorder, and a hand-held micro-cassette recorder.

Because of the reaction by an untrained participant the previous night, we sent our driver and his friend down the road. We told them we could not afford any panic this night. Unbeknownst to us at the time, the men went to a spot at the bottom of the road where they could clearly see the events that unfolded.

Are We in a Spielberg Movie?:

Dr. Greer grabbed the halogen light and sent a signal to the star-like light on the hillside. Instantly, the light transformed into a gigantic, brilliant round beam that shot light down the entire mountainside! We were astonished. It came close to being the time we always joke about - when events are so incredible that we'll wish we had on "Depends" undergarments! We continued to have a Close Encounter of the Fifth Kind - a human-initiated or human-interactive experience - with this craft for the next two hours and fifteen minutes. An exchange like this, with a team in the field, is unprecedented. During the lengthy encounter, we sent light signals to the craft. The craft would signal back to us in the exact same sequence. Then its lights would extinguish. Within a few minutes, it would again illuminate and initiate a signal to us. This went on and on. Twice during this time period, we saw the shadows of beings walking in front of the blinding beam. At times, the beam would rotate upon itself, appearing to the left of its original position - then back where it was. Once the light seemed to turn over on itself, illuminating the sparsely forested slope behind it. This was one of the times when figures were seen to move in the beam.

Hoaxability Ration - Low to Zero:

It must be emphasized that this is a very remote area devoid of roads. For anyone to have hoaxed this event would have required something on the scale of a major motion picture crew. There was simply no way to have moved equipment like this onto these sheer slopes. It would have caused quite a commotion in the suburbs below if a crew of that magnitude had traversed those sheer cliffs that day. The area would have been swarming with lookie-loos. At the end of the two hours and fifteen minutes, the light, which by now had split into two candle-flame colored round lights, turned to brilliant red, shot out a lightning bolt of energy and vanished. We saw a golden streak shoot through the sky towards the direction of the ancient volcano, Topochico. And the energy was gone. It was not until this point that we fully appreciated that
1) we'd been standing up for all that time, and
2) our hair had stood on end the entire time.

As a side note, I want to report that when we first got out of the vehicle at the base of the mountain, I heard crickets chirping in stereophonic synchronicity. One would chirp on our right, then one would chirp on our left. The chirping was loud and distinct. When I heard it, I told my teammates that it was significant. I had heard similar chirping prior to another major encounter in the past. It was moments later that the gigantic craft illuminated before us.

Eventful Trip Home:

We signaled to our drivers to bring up the Suburban. When they arrived, we learned that the men had gone to a vantage point and had seen everything, giving us two independent witnesses. In fact, from their extra distance the light was not so blinding and they were able to discern the craft. They both reported seeing a very large disc-shaped craft with a domed top. The men were extremely excited. They said they felt bonded now, like brothers. The American's husband said that his life would never be the same again.

As we were riding on our 30-minute drive home, Dr. Greer remarked that he felt the ETs would follow us. Within a minute, the man in front was exclaiming, "la luz, la luz!" (the light, the light!) We could then see that the gigantic light was visible from the road, showing itself to us on the opposite side of the mountain from where it had been at our field site! We stopped at a closed gas station, signaled and videoed (which came out fuzzy and blurred). You will recall that, of all nights, our videographer was not with us this night. Coincidence or orchestrated by the ETs? So many such things happen that we have to ponder the possibility. This time, the light was not appearing as two lights side by side. Instead, they were two lights stacked one on top the other. We continued to observe it on the remainder of the homeward ride, stopping twice more to observe.

When we arrived home, we climbed up to our flat roof. We could still see it, even though the entire valley of the city of Monterrey was now between us, the back side of Las Mitres and the rest of the range. The lights were still there. They had changed position again and were now staggered, one atop the other. They had been so bright that we could see the rock face behind it illuminated. As we watched, the lights dimmed down to about half their luminosity.

The Craft Revealed:

At this point, we could clearly see the structure of the craft. It was indeed a large disc with a sloped dome on top. By measuring with fingers at arm's length, Dr. Greer determined that the craft was between one-half to one full city block in size. As the birds began to sing and the sky began to lighten, we bid goodbye and heartfelt thanks to our visitors for these remarkable experiences and went inside to sleep, and dream of them.

Shari Adamiak, Executive Director, CSETI ________________________

Final Notes:

I wish to advise that the three persons who interacted with the craft as described above included three very responsible and stable individuals. Dr. Greer is a practicing trauma physician, father of four, world-renowned expert on extraterrestrial intelligence. He is the founder of CSETI, and the visionary and guiding force of it. Our teammate from New York is cofounder of a research foundation and is personal friends with world leaders in both the political and private sectors. And I myself have been educated in the sciences and the law and worked for many years as a paralegal, which gives me a logical mind upon which to base my ongoing extraterrestrial experiences. - Shari Adamiak

I describe how I first met Shari in 1992. It was an experience that I will never forget:
https://contactunderground.wordpress.com/2022/03/05/i-meet-shari-adamiak-the-first-ce-5-working-group-coordinato
submitted by Contactunderground to HighStrangeness [link] [comments]


2024.05.15 18:49 Contactunderground Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.

Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.
Shari Adamiak was a dedicated, disciplined volunteer contact worker who I had the honor to serve with as a fellow CE-5 Working Group Coordinator from 1992 till 1998. I honor her memory by posting her report describing an amazing encounter in Monterrey Mexico in 1994.

In the in-depth document posted below prolonged telepathic exchanges reportedly occurred with two types of non-human beings, very small ones and a larger humanoid being.

Joseph Burkes MD 2024

CLOSE ENCOUNTERS OF THE FIFTH KIND IN MONTERREY,
MEXICO - DECEMBER 1994
By Shari Adamiak ©1995, Executive Director of CSETI

Introduction:
The following is an account - from my point of view - of events that occurred during a CSETI investigative team activation to Monterrey, Mexico in December of 1994. While necessarily somewhat subjective based on my own experiences, every attempt has been made to present an accurate depiction of events that were experienced by myself and our team.
CSETI Reacts to Flap in Mexico:
After seeing a tape of a "Hard Copy" program showing an active wave of UFO activity in Monterrey, Mexico - the third largest metropolis in Mexico - we made an effort to contact the researcher who had taken those videos. Santiago Yturria is a thorough researcher and skilled videographer who, along with Diana Perla Chapa, the host of a popular live talk show on Mexican network television, has had a UFO group for over 20 years in the state of Nuevo Leone.

Dr. Steven Greer, international director of CSETI, activated a CSETI Rapid Mobilization Investigative Team (RMIT) to Monterrey to investigate this current flap. Santiago, Diana, and the entire Ovni Club of N.L. assisted us, took us to sites, shared their evidence and graciously welcomed us to Monterrey. Dr. Greer, myself, a woman from New York and a man, also a videographer, from Minneapolis made up the CSETI team. (Names furnished upon request.)
Consciousness Connections:

Lucid dream activity played a significant role in the events that unfolded in Monterrey. Three of the team had dreams that proved to be portents of happenings on this project. I had a dream in the early hours of December 13th. In it, the extraterrestrials were showing us the spot where we should come in order to have a meeting with them. They showed me aerial views, in stop motion - each one closer to the ground - and marked the site with a strobing turquoise laser pattern. They showed me a view from the ground, looking up at some steep peaks, and showed it to me both in day and nighttime views. The night view revealed two stars in a particular configuration over one of the peaks.

That very afternoon, Santiago and his friends drove us to Las Mitres mountains, well known as an area of many sightings of UFOs. As we approached, it dawned on me that it was identical to what I was shown in my dream. We decided to use the spot as our field research site that night. When we came to Las Mitres (so named because the mountain peaks resemble a bishop's miter hat) that night, the two stars were indeed in the sky in the same position as I had seen in my lucid dream.

The Team Gets to Work:

The CSETI team had observed some anomalous objects in the sky at two different sites on the nights of December 11th and 12th, but the next two nights, the 13th and 14th at the Las Mitres sites, proved to be exceptional. The Las Mitres mountains contain a large cave where the local investigators believe that spacecraft conceal themselves when coming to the Monterrey area. And, unusually dense low clouds were known to form over the cave and other parts of the peaks very quickly. On the night of December 13th, the entire CSETI team set up camp at the base of Las Mitres. We were joined by an American woman who was a friend of one of our teammates, who was married to a Mexican man and living in Monterrey. She had arranged our lodging and transportation for us.

Around 10:30 pm, following our first Coherent Thought Sequencing (a CSETI protocol) session, we observed a very bright light that appeared in the zenith of the sky, traveling rapidly in an upward arc that terminated in the center of the constellation Orion. At 10:45 pm, very dense clouds materialized within a minute on parts of the sheer mountain cliffs.
The Close Encounters Begin:

At approximately 1:00 am, Dr. Greer and another team member were standing slightly down the gravel road when they observed a bright, strobe-like white light to appear at the edge of the mountain. At about the same time, I had gotten up and walked closer towards the brush at the base of the mountain. Dr. Greer looked for me to tell me of the strobe light and found me at the spot where it had appeared. As we stood there, another round light came rolling down the side of the steep slope. Just then, I felt some invisible energy that felt as if it were gently pulling me in deeper to the brush. Both Dr. Greer and I felt there was a presence nearby that, from past experience, led us to feel there was a spacecraft and extraterrestrial beings very nearby.

Just then, I began to perceive small, square-shouldered beings in the brush around us. They could be sensed and dimly seen, but a clear view of them wasn't possible. The little beings were extremely shy and reticent. They would scurry close to us, then backtrack quickly into the brush. We could not hear any brush moving or footsteps but we could dimly see them. To me, they seemed to have on uniforms that covered their body and legs that were a dull orange-rust color. They were very short, just up to my knees (I am 5'7"). I became aware of a telepathic message - they were concerned about our video camera, behind me to the right. I turned my head and looked. Sure enough, unknown to me previously as I had not seen it in the dark, was our teammate's professional camera set up on a tripod. I send back the mental message to them not to worry, the camera wasn't on and we wouldn't let him touch it. They seemed to trust my assurance, as the event continued to unfold. I related this two-way communication to Dr. Greer, who went back to the other three people and instructed them to stay where they were unless he called them forward.

These rich, rare exchanges with what appear to be extraterrestrial life forms are very delicate scenarios. Any sudden, rash or extreme emotion or movement can thwart the entire event and bring it to a screeching halt, and the extraterrestrials vanish. Sometimes our second-guessing of what is needed to allow an event to unfold in all its possible fullness is accurate; sometimes it is not. It is almost like hesitant dance partners, longing but afraid to get closer. Until we as a people are more accepting of close contact with extraterrestrials, our interactions are likely to continue in this way.

I could mentally 'hear' concerned conversation going on amongst the small beings. They eventually conveyed to me the message, again mentally, that they were having difficulty adjusting our energies in preparation for a meeting because my physical energy was concentrated on my stomach, trying to digest some food. Just before all this began, I had eaten about a half of a Power Bar, a dense protein energy food. It was cold and hard from being in my gear bag for hours and I could feel it kind of just laying in my stomach. At this point, I sent a very deliberate message to the life forms: "I give you permission to take it out of my body". Suddenly, I felt as if someone were standing some distance away with a fishing line whose hook was inside my stomach. It felt as if someone were slowing reeling in the line as the food came back out the way it went in. Now, I detest vomiting more than almost anything and I was struck by the gentleness that was used in removing this food from my body. It was only mildly unpleasant. Dr. Greer, an emergency physician, asked me if I was alright. I told him that I was fine and that this was being done with my permission. After this little purging, the energy felt softer, with less intense vibration.

Soon the little beings sent both Dr. Greer and I the message that if we removed our glasses, we would be able to see them better. Although I normally use contact lenses, glasses are preferable for field work when wind and dust often get blown into my eyes, plus the fact that we are often in the field until the wee hours of the morning. After receiving this message, we each removed our glasses. One last request from the little ETs - that we remove our hats (it had been a chilly night.) At this point, I could actually feel a harmonious flow of energy between us, the little beings, and some other unseen source.

Another Being is Perceived:

At this point, the small life forms disappeared. Shafts of golden light began to come from an unknown, unseen source and lay across the bushes in front of us. We learned later that the three other team members behind us could see this as well, although they had not been able to perceive the small beings. I could feel one of these shafts of light approach me and fill my torso with a warm, golden glow. After the light rays faded, a large oval of bluish fog began to form about ten feet in front of us. As the blue mist began to coalesce, Dr. Greer and I became aware of a being within it. Although again we could see him only dimly, he appeared very humanoid, tall, with long and straight silverish hair. He appeared to be clothed in a light blue and silver uniform.

We learned later that one team member saw a tendril of the blue fog travel along the ground towards her. It frightened her a little until the mist reached her foot and began to send wisps around her feet. She later told us that there was a gentle kindness about the fog and all misgivings vanished. However, our American friend who was not an actual team member became very frightened by the golden light and blue fog.

We learned later that it was all too much for her - something the extraterrestrial would tell us. For as we stood there facing one another, the tall being sent us a message that they would very much like to manifest more fully in the physical to meet with us, but that if they did so, one of our team members would be dangerously frightened. Their caution and concern were touching. And a far cry from the crying wolf that goes on so often when extraterrestrials are said to be heartless, devoid of feeling, and out to harm human beings. We in CSETI feel that this type of encounter points up the absolute need and appropriateness of doing real-time field work in our efforts to learn exactly what these beings are all about.

It is important, and interesting, to note that both Dr. Greer and myself received nearly identical mental messages each time there was a communication from the extraterrestrial.

Dr. Greer and I consulted one another and decided to send a joint message. We told the tall being that if they could not come to us, it was okay with us if they could take us to where they were. We could sense this was being discussed with a 'central command control', or his more senior team members. Dr. Greer and I saw a copper-gold sphere, ten to twelve feet in diameter, begin to coalesce to the left of the tall being. It never reached material solidity but soon began to disperse. The tall being then sent us a message that it would frighten our teammates just as much to see us disappear in front of their eyes as it would for the ETs to manifest right there. At this time, we had no idea that any member of our team was having difficulty coping with these events.
Soon Again, Soon Again:

Finally, after what seemed like a few moments, the tall being sent us a message that they would not be able to manifest fully in the physical this night. But they sent a message: "soon again; soon again". At this point, Dr. Greer went back to speak with the other team members and I stayed put. For the next five minutes, the being and I exchanged blessings to each other, to our teams. It was poignant and lovely. I cannot recall any of the actual 'words' or specific communications; it was not a left-brained exchange, but was beyond the bounds of linear thought.

Their Reluctance is Proven Out:

When I joined the others, I learned that our American friend had become extremely frightened, so much so that she had taken refuge in our vehicle. We had designated the big Suburban as the 'safe area". We do this on all our field research - setting aside a specific enclosure that any team member can go to if unfolding events prove fearful to them. In fact, it is our policy to send a 'buddy' along, who remains with them the entire time they wish to stay in the safe area. We divide into buddies at the beginning of our field session so that each team member is accounted for, and accountable, at all times. She told us that if she had seen anything more from the ETs, she would have run screaming down the mountainside.

Preparation is Key:

Her reactions impressed upon us the importance of training for each team member. It served as a strong reminder to us to be more stringent in adherence to our policies regarding untrained guests who wanted to join our field work. Much to my surprise, Dr. Greer and I learned from our teammates that we had been standing there, exchanging communication with the extraterrestrials, for nearly two hours. We both thought no more than thirty minutes had elapsed. By this time, it was nearly 3:00 am, so we broke camp and went home.

The Encounters Continue:

The following day was a busy one with an appearance on Diana Chapa's live TV show in the morning, a field trip to another site in the afternoon, and a talk at the Ovni Club that evening. It was about 11:30 pm by the time we were driving up the narrow road to our Las Mitres site. Interestingly, our videographer teammate was absent from field work. He had decided to stay in the city to visit his friend and her son. As the Suburban headed up the gravel lane, Dr. Greer and I simultaneously observed a small, bright light on the side of Las Mitres. We knew from the previous night that there was no light normally in that area. Tonight we also had with us our American friend's Mexican husband. He and our driver assured us there were no houses, no power lines, no roads, nothing on the sheer cliffs of Las Mitres.

As we came to the base of the mountain, Dr. Greer jumped from the Suburban while it was still rolling. The other woman and I jumped out and grabbed the bare necessities of field gear: a 500,000-candle power portable halogen light, our night vision scope, binoculars, a small camcorder, and a hand-held micro-cassette recorder.

Because of the reaction by an untrained participant the previous night, we sent our driver and his friend down the road. We told them we could not afford any panic this night. Unbeknownst to us at the time, the men went to a spot at the bottom of the road where they could clearly see the events that unfolded.

Are We in a Spielberg Movie?:

Dr. Greer grabbed the halogen light and sent a signal to the star-like light on the hillside. Instantly, the light transformed into a gigantic, brilliant round beam that shot light down the entire mountainside! We were astonished. It came close to being the time we always joke about - when events are so incredible that we'll wish we had on "Depends" undergarments! We continued to have a Close Encounter of the Fifth Kind - a human-initiated or human-interactive experience - with this craft for the next two hours and fifteen minutes. An exchange like this, with a team in the field, is unprecedented. During the lengthy encounter, we sent light signals to the craft. The craft would signal back to us in the exact same sequence. Then its lights would extinguish. Within a few minutes, it would again illuminate and initiate a signal to us. This went on and on. Twice during this time period, we saw the shadows of beings walking in front of the blinding beam. At times, the beam would rotate upon itself, appearing to the left of its original position - then back where it was. Once the light seemed to turn over on itself, illuminating the sparsely forested slope behind it. This was one of the times when figures were seen to move in the beam.

Hoaxability Ration - Low to Zero:

It must be emphasized that this is a very remote area devoid of roads. For anyone to have hoaxed this event would have required something on the scale of a major motion picture crew. There was simply no way to have moved equipment like this onto these sheer slopes. It would have caused quite a commotion in the suburbs below if a crew of that magnitude had traversed those sheer cliffs that day. The area would have been swarming with lookie-loos. At the end of the two hours and fifteen minutes, the light, which by now had split into two candle-flame colored round lights, turned to brilliant red, shot out a lightning bolt of energy and vanished. We saw a golden streak shoot through the sky towards the direction of the ancient volcano, Topochico. And the energy was gone. It was not until this point that we fully appreciated that
1) we'd been standing up for all that time, and
2) our hair had stood on end the entire time.

As a side note, I want to report that when we first got out of the vehicle at the base of the mountain, I heard crickets chirping in stereophonic synchronicity. One would chirp on our right, then one would chirp on our left. The chirping was loud and distinct. When I heard it, I told my teammates that it was significant. I had heard similar chirping prior to another major encounter in the past. It was moments later that the gigantic craft illuminated before us.

Eventful Trip Home:

We signaled to our drivers to bring up the Suburban. When they arrived, we learned that the men had gone to a vantage point and had seen everything, giving us two independent witnesses. In fact, from their extra distance the light was not so blinding and they were able to discern the craft. They both reported seeing a very large disc-shaped craft with a domed top. The men were extremely excited. They said they felt bonded now, like brothers. The American's husband said that his life would never be the same again.

As we were riding on our 30-minute drive home, Dr. Greer remarked that he felt the ETs would follow us. Within a minute, the man in front was exclaiming, "la luz, la luz!" (the light, the light!) We could then see that the gigantic light was visible from the road, showing itself to us on the opposite side of the mountain from where it had been at our field site! We stopped at a closed gas station, signaled and videoed (which came out fuzzy and blurred). You will recall that, of all nights, our videographer was not with us this night. Coincidence or orchestrated by the ETs? So many such things happen that we have to ponder the possibility. This time, the light was not appearing as two lights side by side. Instead, they were two lights stacked one on top the other. We continued to observe it on the remainder of the homeward ride, stopping twice more to observe.

When we arrived home, we climbed up to our flat roof. We could still see it, even though the entire valley of the city of Monterrey was now between us, the back side of Las Mitres and the rest of the range. The lights were still there. They had changed position again and were now staggered, one atop the other. They had been so bright that we could see the rock face behind it illuminated. As we watched, the lights dimmed down to about half their luminosity.

The Craft Revealed:

At this point, we could clearly see the structure of the craft. It was indeed a large disc with a sloped dome on top. By measuring with fingers at arm's length, Dr. Greer determined that the craft was between one-half to one full city block in size. As the birds began to sing and the sky began to lighten, we bid goodbye and heartfelt thanks to our visitors for these remarkable experiences and went inside to sleep, and dream of them.

Shari Adamiak, Executive Director, CSETI ________________________

Final Notes:

I wish to advise that the three persons who interacted with the craft as described above included three very responsible and stable individuals. Dr. Greer is a practicing trauma physician, father of four, world-renowned expert on extraterrestrial intelligence. He is the founder of CSETI, and the visionary and guiding force of it. Our teammate from New York is cofounder of a research foundation and is personal friends with world leaders in both the political and private sectors. And I myself have been educated in the sciences and the law and worked for many years as a paralegal, which gives me a logical mind upon which to base my ongoing extraterrestrial experiences. - Shari Adamiak

https://preview.redd.it/zhfu18audm0d1.jpg?width=344&format=pjpg&auto=webp&s=f389a123a7409d52ac52d37abbd087820390d231
I describe how I first met Shari in 1992. It was an experience that I will never forget:
https://contactunderground.wordpress.com/2022/03/05/i-meet-shari-adamiak-the-first-ce-5-working-group-coordinato
submitted by Contactunderground to Experiencers [link] [comments]


2024.05.15 18:47 Contactunderground Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.

Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.
Shari Adamiak was a dedicated, disciplined volunteer contact worker who I had the honor to serve with as a fellow CE-5 Working Group Coordinator from 1992 till 1998. I honor her memory by posting her report describing an amazing encounter in Monterrey Mexico in 1994.

In the in-depth document posted below prolonged telepathic exchanges reportedly occurred with two types of non-human beings, very small ones and a larger humanoid being.

Joseph Burkes MD 2024

https://preview.redd.it/qys8avaedm0d1.jpg?width=344&format=pjpg&auto=webp&s=524ae0aad8b8a067c3607fdbeb10fad8cac5c6cd
CLOSE ENCOUNTERS OF THE FIFTH KIND IN MONTERREY,
MEXICO - DECEMBER 1994
By Shari Adamiak ©1995, Executive Director of CSETI

Introduction:
The following is an account - from my point of view - of events that occurred during a CSETI investigative team activation to Monterrey, Mexico in December of 1994. While necessarily somewhat subjective based on my own experiences, every attempt has been made to present an accurate depiction of events that were experienced by myself and our team.
CSETI Reacts to Flap in Mexico:
After seeing a tape of a "Hard Copy" program showing an active wave of UFO activity in Monterrey, Mexico - the third largest metropolis in Mexico - we made an effort to contact the researcher who had taken those videos. Santiago Yturria is a thorough researcher and skilled videographer who, along with Diana Perla Chapa, the host of a popular live talk show on Mexican network television, has had a UFO group for over 20 years in the state of Nuevo Leone.

Dr. Steven Greer, international director of CSETI, activated a CSETI Rapid Mobilization Investigative Team (RMIT) to Monterrey to investigate this current flap. Santiago, Diana, and the entire Ovni Club of N.L. assisted us, took us to sites, shared their evidence and graciously welcomed us to Monterrey. Dr. Greer, myself, a woman from New York and a man, also a videographer, from Minneapolis made up the CSETI team. (Names furnished upon request.)
Consciousness Connections:

Lucid dream activity played a significant role in the events that unfolded in Monterrey. Three of the team had dreams that proved to be portents of happenings on this project. I had a dream in the early hours of December 13th. In it, the extraterrestrials were showing us the spot where we should come in order to have a meeting with them. They showed me aerial views, in stop motion - each one closer to the ground - and marked the site with a strobing turquoise laser pattern. They showed me a view from the ground, looking up at some steep peaks, and showed it to me both in day and nighttime views. The night view revealed two stars in a particular configuration over one of the peaks.

That very afternoon, Santiago and his friends drove us to Las Mitres mountains, well known as an area of many sightings of UFOs. As we approached, it dawned on me that it was identical to what I was shown in my dream. We decided to use the spot as our field research site that night. When we came to Las Mitres (so named because the mountain peaks resemble a bishop's miter hat) that night, the two stars were indeed in the sky in the same position as I had seen in my lucid dream.

The Team Gets to Work:

The CSETI team had observed some anomalous objects in the sky at two different sites on the nights of December 11th and 12th, but the next two nights, the 13th and 14th at the Las Mitres sites, proved to be exceptional. The Las Mitres mountains contain a large cave where the local investigators believe that spacecraft conceal themselves when coming to the Monterrey area. And, unusually dense low clouds were known to form over the cave and other parts of the peaks very quickly. On the night of December 13th, the entire CSETI team set up camp at the base of Las Mitres. We were joined by an American woman who was a friend of one of our teammates, who was married to a Mexican man and living in Monterrey. She had arranged our lodging and transportation for us.

Around 10:30 pm, following our first Coherent Thought Sequencing (a CSETI protocol) session, we observed a very bright light that appeared in the zenith of the sky, traveling rapidly in an upward arc that terminated in the center of the constellation Orion. At 10:45 pm, very dense clouds materialized within a minute on parts of the sheer mountain cliffs.
The Close Encounters Begin:

At approximately 1:00 am, Dr. Greer and another team member were standing slightly down the gravel road when they observed a bright, strobe-like white light to appear at the edge of the mountain. At about the same time, I had gotten up and walked closer towards the brush at the base of the mountain. Dr. Greer looked for me to tell me of the strobe light and found me at the spot where it had appeared. As we stood there, another round light came rolling down the side of the steep slope. Just then, I felt some invisible energy that felt as if it were gently pulling me in deeper to the brush. Both Dr. Greer and I felt there was a presence nearby that, from past experience, led us to feel there was a spacecraft and extraterrestrial beings very nearby.

Just then, I began to perceive small, square-shouldered beings in the brush around us. They could be sensed and dimly seen, but a clear view of them wasn't possible. The little beings were extremely shy and reticent. They would scurry close to us, then backtrack quickly into the brush. We could not hear any brush moving or footsteps but we could dimly see them. To me, they seemed to have on uniforms that covered their body and legs that were a dull orange-rust color. They were very short, just up to my knees (I am 5'7"). I became aware of a telepathic message - they were concerned about our video camera, behind me to the right. I turned my head and looked. Sure enough, unknown to me previously as I had not seen it in the dark, was our teammate's professional camera set up on a tripod. I send back the mental message to them not to worry, the camera wasn't on and we wouldn't let him touch it. They seemed to trust my assurance, as the event continued to unfold. I related this two-way communication to Dr. Greer, who went back to the other three people and instructed them to stay where they were unless he called them forward.

These rich, rare exchanges with what appear to be extraterrestrial life forms are very delicate scenarios. Any sudden, rash or extreme emotion or movement can thwart the entire event and bring it to a screeching halt, and the extraterrestrials vanish. Sometimes our second-guessing of what is needed to allow an event to unfold in all its possible fullness is accurate; sometimes it is not. It is almost like hesitant dance partners, longing but afraid to get closer. Until we as a people are more accepting of close contact with extraterrestrials, our interactions are likely to continue in this way.

I could mentally 'hear' concerned conversation going on amongst the small beings. They eventually conveyed to me the message, again mentally, that they were having difficulty adjusting our energies in preparation for a meeting because my physical energy was concentrated on my stomach, trying to digest some food. Just before all this began, I had eaten about a half of a Power Bar, a dense protein energy food. It was cold and hard from being in my gear bag for hours and I could feel it kind of just laying in my stomach. At this point, I sent a very deliberate message to the life forms: "I give you permission to take it out of my body". Suddenly, I felt as if someone were standing some distance away with a fishing line whose hook was inside my stomach. It felt as if someone were slowing reeling in the line as the food came back out the way it went in. Now, I detest vomiting more than almost anything and I was struck by the gentleness that was used in removing this food from my body. It was only mildly unpleasant. Dr. Greer, an emergency physician, asked me if I was alright. I told him that I was fine and that this was being done with my permission. After this little purging, the energy felt softer, with less intense vibration.

Soon the little beings sent both Dr. Greer and I the message that if we removed our glasses, we would be able to see them better. Although I normally use contact lenses, glasses are preferable for field work when wind and dust often get blown into my eyes, plus the fact that we are often in the field until the wee hours of the morning. After receiving this message, we each removed our glasses. One last request from the little ETs - that we remove our hats (it had been a chilly night.) At this point, I could actually feel a harmonious flow of energy between us, the little beings, and some other unseen source.

Another Being is Perceived:

At this point, the small life forms disappeared. Shafts of golden light began to come from an unknown, unseen source and lay across the bushes in front of us. We learned later that the three other team members behind us could see this as well, although they had not been able to perceive the small beings. I could feel one of these shafts of light approach me and fill my torso with a warm, golden glow. After the light rays faded, a large oval of bluish fog began to form about ten feet in front of us. As the blue mist began to coalesce, Dr. Greer and I became aware of a being within it. Although again we could see him only dimly, he appeared very humanoid, tall, with long and straight silverish hair. He appeared to be clothed in a light blue and silver uniform.

We learned later that one team member saw a tendril of the blue fog travel along the ground towards her. It frightened her a little until the mist reached her foot and began to send wisps around her feet. She later told us that there was a gentle kindness about the fog and all misgivings vanished. However, our American friend who was not an actual team member became very frightened by the golden light and blue fog.

We learned later that it was all too much for her - something the extraterrestrial would tell us. For as we stood there facing one another, the tall being sent us a message that they would very much like to manifest more fully in the physical to meet with us, but that if they did so, one of our team members would be dangerously frightened. Their caution and concern were touching. And a far cry from the crying wolf that goes on so often when extraterrestrials are said to be heartless, devoid of feeling, and out to harm human beings. We in CSETI feel that this type of encounter points up the absolute need and appropriateness of doing real-time field work in our efforts to learn exactly what these beings are all about.

It is important, and interesting, to note that both Dr. Greer and myself received nearly identical mental messages each time there was a communication from the extraterrestrial.

Dr. Greer and I consulted one another and decided to send a joint message. We told the tall being that if they could not come to us, it was okay with us if they could take us to where they were. We could sense this was being discussed with a 'central command control', or his more senior team members. Dr. Greer and I saw a copper-gold sphere, ten to twelve feet in diameter, begin to coalesce to the left of the tall being. It never reached material solidity but soon began to disperse. The tall being then sent us a message that it would frighten our teammates just as much to see us disappear in front of their eyes as it would for the ETs to manifest right there. At this time, we had no idea that any member of our team was having difficulty coping with these events.
Soon Again, Soon Again:

Finally, after what seemed like a few moments, the tall being sent us a message that they would not be able to manifest fully in the physical this night. But they sent a message: "soon again; soon again". At this point, Dr. Greer went back to speak with the other team members and I stayed put. For the next five minutes, the being and I exchanged blessings to each other, to our teams. It was poignant and lovely. I cannot recall any of the actual 'words' or specific communications; it was not a left-brained exchange, but was beyond the bounds of linear thought.

Their Reluctance is Proven Out:

When I joined the others, I learned that our American friend had become extremely frightened, so much so that she had taken refuge in our vehicle. We had designated the big Suburban as the 'safe area". We do this on all our field research - setting aside a specific enclosure that any team member can go to if unfolding events prove fearful to them. In fact, it is our policy to send a 'buddy' along, who remains with them the entire time they wish to stay in the safe area. We divide into buddies at the beginning of our field session so that each team member is accounted for, and accountable, at all times. She told us that if she had seen anything more from the ETs, she would have run screaming down the mountainside.

Preparation is Key:

Her reactions impressed upon us the importance of training for each team member. It served as a strong reminder to us to be more stringent in adherence to our policies regarding untrained guests who wanted to join our field work. Much to my surprise, Dr. Greer and I learned from our teammates that we had been standing there, exchanging communication with the extraterrestrials, for nearly two hours. We both thought no more than thirty minutes had elapsed. By this time, it was nearly 3:00 am, so we broke camp and went home.

The Encounters Continue:

The following day was a busy one with an appearance on Diana Chapa's live TV show in the morning, a field trip to another site in the afternoon, and a talk at the Ovni Club that evening. It was about 11:30 pm by the time we were driving up the narrow road to our Las Mitres site. Interestingly, our videographer teammate was absent from field work. He had decided to stay in the city to visit his friend and her son. As the Suburban headed up the gravel lane, Dr. Greer and I simultaneously observed a small, bright light on the side of Las Mitres. We knew from the previous night that there was no light normally in that area. Tonight we also had with us our American friend's Mexican husband. He and our driver assured us there were no houses, no power lines, no roads, nothing on the sheer cliffs of Las Mitres.

As we came to the base of the mountain, Dr. Greer jumped from the Suburban while it was still rolling. The other woman and I jumped out and grabbed the bare necessities of field gear: a 500,000-candle power portable halogen light, our night vision scope, binoculars, a small camcorder, and a hand-held micro-cassette recorder.

Because of the reaction by an untrained participant the previous night, we sent our driver and his friend down the road. We told them we could not afford any panic this night. Unbeknownst to us at the time, the men went to a spot at the bottom of the road where they could clearly see the events that unfolded.

Are We in a Spielberg Movie?:

Dr. Greer grabbed the halogen light and sent a signal to the star-like light on the hillside. Instantly, the light transformed into a gigantic, brilliant round beam that shot light down the entire mountainside! We were astonished. It came close to being the time we always joke about - when events are so incredible that we'll wish we had on "Depends" undergarments! We continued to have a Close Encounter of the Fifth Kind - a human-initiated or human-interactive experience - with this craft for the next two hours and fifteen minutes. An exchange like this, with a team in the field, is unprecedented. During the lengthy encounter, we sent light signals to the craft. The craft would signal back to us in the exact same sequence. Then its lights would extinguish. Within a few minutes, it would again illuminate and initiate a signal to us. This went on and on. Twice during this time period, we saw the shadows of beings walking in front of the blinding beam. At times, the beam would rotate upon itself, appearing to the left of its original position - then back where it was. Once the light seemed to turn over on itself, illuminating the sparsely forested slope behind it. This was one of the times when figures were seen to move in the beam.

Hoaxability Ration - Low to Zero:

It must be emphasized that this is a very remote area devoid of roads. For anyone to have hoaxed this event would have required something on the scale of a major motion picture crew. There was simply no way to have moved equipment like this onto these sheer slopes. It would have caused quite a commotion in the suburbs below if a crew of that magnitude had traversed those sheer cliffs that day. The area would have been swarming with lookie-loos. At the end of the two hours and fifteen minutes, the light, which by now had split into two candle-flame colored round lights, turned to brilliant red, shot out a lightning bolt of energy and vanished. We saw a golden streak shoot through the sky towards the direction of the ancient volcano, Topochico. And the energy was gone. It was not until this point that we fully appreciated that
1) we'd been standing up for all that time, and
2) our hair had stood on end the entire time.

As a side note, I want to report that when we first got out of the vehicle at the base of the mountain, I heard crickets chirping in stereophonic synchronicity. One would chirp on our right, then one would chirp on our left. The chirping was loud and distinct. When I heard it, I told my teammates that it was significant. I had heard similar chirping prior to another major encounter in the past. It was moments later that the gigantic craft illuminated before us.

Eventful Trip Home:

We signaled to our drivers to bring up the Suburban. When they arrived, we learned that the men had gone to a vantage point and had seen everything, giving us two independent witnesses. In fact, from their extra distance the light was not so blinding and they were able to discern the craft. They both reported seeing a very large disc-shaped craft with a domed top. The men were extremely excited. They said they felt bonded now, like brothers. The American's husband said that his life would never be the same again.

As we were riding on our 30-minute drive home, Dr. Greer remarked that he felt the ETs would follow us. Within a minute, the man in front was exclaiming, "la luz, la luz!" (the light, the light!) We could then see that the gigantic light was visible from the road, showing itself to us on the opposite side of the mountain from where it had been at our field site! We stopped at a closed gas station, signaled and videoed (which came out fuzzy and blurred). You will recall that, of all nights, our videographer was not with us this night. Coincidence or orchestrated by the ETs? So many such things happen that we have to ponder the possibility. This time, the light was not appearing as two lights side by side. Instead, they were two lights stacked one on top the other. We continued to observe it on the remainder of the homeward ride, stopping twice more to observe.

When we arrived home, we climbed up to our flat roof. We could still see it, even though the entire valley of the city of Monterrey was now between us, the back side of Las Mitres and the rest of the range. The lights were still there. They had changed position again and were now staggered, one atop the other. They had been so bright that we could see the rock face behind it illuminated. As we watched, the lights dimmed down to about half their luminosity.

The Craft Revealed:

At this point, we could clearly see the structure of the craft. It was indeed a large disc with a sloped dome on top. By measuring with fingers at arm's length, Dr. Greer determined that the craft was between one-half to one full city block in size. As the birds began to sing and the sky began to lighten, we bid goodbye and heartfelt thanks to our visitors for these remarkable experiences and went inside to sleep, and dream of them.

Shari Adamiak, Executive Director, CSETI ________________________

Final Notes:

I wish to advise that the three persons who interacted with the craft as described above included three very responsible and stable individuals. Dr. Greer is a practicing trauma physician, father of four, world-renowned expert on extraterrestrial intelligence. He is the founder of CSETI, and the visionary and guiding force of it. Our teammate from New York is cofounder of a research foundation and is personal friends with world leaders in both the political and private sectors. And I myself have been educated in the sciences and the law and worked for many years as a paralegal, which gives me a logical mind upon which to base my ongoing extraterrestrial experiences. - Shari Adamiak

I describe how I first met Shari in 1992. It was an experience that I will never forget:
https://contactunderground.wordpress.com/2022/03/05/i-meet-shari-adamiak-the-first-ce-5-working-group-coordinato
submitted by Contactunderground to ContactUnderground [link] [comments]


2024.05.15 18:47 looney_tooners getting urgent emails?

I keep getting this email

Your Form I-9 MUST be reverified no later than 6 PM Pacific Time (PT) TODAY. If you do not reverify your Form I-9 by today, you will be suspended without pay until your Form I-9 has been completed and work authorization has been verified. For more information, please review the US Work Authorization Suspension and Termination Policy (Note: you must be on the Amazon network to view this). NOTE: If you are having technical issues with your Form I-9, please notify us on your ticket or e-mail i9advantagesupport@amazon.com to provide a resolution. 
I have gone to the prehire appointment and provided my passport etc. but i keep getting this email/text every 2 hours asking me to complete my i9 form. when I email [i9advantagesupport@amazon.com](mailto:i9advantagesupport@amazon.com) I get no reply back. I am really confused

submitted by looney_tooners to AmazonFC [link] [comments]


2024.05.15 18:45 Contactunderground Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.

Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.
Shari Adamiak was a dedicated, disciplined volunteer contact worker who I had the honor to serve with as a fellow CE-5 Working Group Coordinator from 1992 till 1998. I honor her memory by posting her report describing an amazing encounter in Monterrey Mexico in 1994.

In the in-depth document posted below prolonged telepathic exchanges reportedly occurred with two types of non-human beings, very small ones and a larger humanoid being.

Joseph Burkes MD 2024

https://preview.redd.it/1p03urq5dm0d1.jpg?width=344&format=pjpg&auto=webp&s=723db6453b0c0f1ac49bba85d7ac5345d1f47a46
CLOSE ENCOUNTERS OF THE FIFTH KIND IN MONTERREY,
MEXICO - DECEMBER 1994
By Shari Adamiak ©1995, Executive Director of CSETI

Introduction:
The following is an account - from my point of view - of events that occurred during a CSETI investigative team activation to Monterrey, Mexico in December of 1994. While necessarily somewhat subjective based on my own experiences, every attempt has been made to present an accurate depiction of events that were experienced by myself and our team.
CSETI Reacts to Flap in Mexico:
After seeing a tape of a "Hard Copy" program showing an active wave of UFO activity in Monterrey, Mexico - the third largest metropolis in Mexico - we made an effort to contact the researcher who had taken those videos. Santiago Yturria is a thorough researcher and skilled videographer who, along with Diana Perla Chapa, the host of a popular live talk show on Mexican network television, has had a UFO group for over 20 years in the state of Nuevo Leone.

Dr. Steven Greer, international director of CSETI, activated a CSETI Rapid Mobilization Investigative Team (RMIT) to Monterrey to investigate this current flap. Santiago, Diana, and the entire Ovni Club of N.L. assisted us, took us to sites, shared their evidence and graciously welcomed us to Monterrey. Dr. Greer, myself, a woman from New York and a man, also a videographer, from Minneapolis made up the CSETI team. (Names furnished upon request.)
Consciousness Connections:

Lucid dream activity played a significant role in the events that unfolded in Monterrey. Three of the team had dreams that proved to be portents of happenings on this project. I had a dream in the early hours of December 13th. In it, the extraterrestrials were showing us the spot where we should come in order to have a meeting with them. They showed me aerial views, in stop motion - each one closer to the ground - and marked the site with a strobing turquoise laser pattern. They showed me a view from the ground, looking up at some steep peaks, and showed it to me both in day and nighttime views. The night view revealed two stars in a particular configuration over one of the peaks.

That very afternoon, Santiago and his friends drove us to Las Mitres mountains, well known as an area of many sightings of UFOs. As we approached, it dawned on me that it was identical to what I was shown in my dream. We decided to use the spot as our field research site that night. When we came to Las Mitres (so named because the mountain peaks resemble a bishop's miter hat) that night, the two stars were indeed in the sky in the same position as I had seen in my lucid dream.

The Team Gets to Work:

The CSETI team had observed some anomalous objects in the sky at two different sites on the nights of December 11th and 12th, but the next two nights, the 13th and 14th at the Las Mitres sites, proved to be exceptional. The Las Mitres mountains contain a large cave where the local investigators believe that spacecraft conceal themselves when coming to the Monterrey area. And, unusually dense low clouds were known to form over the cave and other parts of the peaks very quickly. On the night of December 13th, the entire CSETI team set up camp at the base of Las Mitres. We were joined by an American woman who was a friend of one of our teammates, who was married to a Mexican man and living in Monterrey. She had arranged our lodging and transportation for us.

Around 10:30 pm, following our first Coherent Thought Sequencing (a CSETI protocol) session, we observed a very bright light that appeared in the zenith of the sky, traveling rapidly in an upward arc that terminated in the center of the constellation Orion. At 10:45 pm, very dense clouds materialized within a minute on parts of the sheer mountain cliffs.
The Close Encounters Begin:

At approximately 1:00 am, Dr. Greer and another team member were standing slightly down the gravel road when they observed a bright, strobe-like white light to appear at the edge of the mountain. At about the same time, I had gotten up and walked closer towards the brush at the base of the mountain. Dr. Greer looked for me to tell me of the strobe light and found me at the spot where it had appeared. As we stood there, another round light came rolling down the side of the steep slope. Just then, I felt some invisible energy that felt as if it were gently pulling me in deeper to the brush. Both Dr. Greer and I felt there was a presence nearby that, from past experience, led us to feel there was a spacecraft and extraterrestrial beings very nearby.

Just then, I began to perceive small, square-shouldered beings in the brush around us. They could be sensed and dimly seen, but a clear view of them wasn't possible. The little beings were extremely shy and reticent. They would scurry close to us, then backtrack quickly into the brush. We could not hear any brush moving or footsteps but we could dimly see them. To me, they seemed to have on uniforms that covered their body and legs that were a dull orange-rust color. They were very short, just up to my knees (I am 5'7"). I became aware of a telepathic message - they were concerned about our video camera, behind me to the right. I turned my head and looked. Sure enough, unknown to me previously as I had not seen it in the dark, was our teammate's professional camera set up on a tripod. I send back the mental message to them not to worry, the camera wasn't on and we wouldn't let him touch it. They seemed to trust my assurance, as the event continued to unfold. I related this two-way communication to Dr. Greer, who went back to the other three people and instructed them to stay where they were unless he called them forward.

These rich, rare exchanges with what appear to be extraterrestrial life forms are very delicate scenarios. Any sudden, rash or extreme emotion or movement can thwart the entire event and bring it to a screeching halt, and the extraterrestrials vanish. Sometimes our second-guessing of what is needed to allow an event to unfold in all its possible fullness is accurate; sometimes it is not. It is almost like hesitant dance partners, longing but afraid to get closer. Until we as a people are more accepting of close contact with extraterrestrials, our interactions are likely to continue in this way.

I could mentally 'hear' concerned conversation going on amongst the small beings. They eventually conveyed to me the message, again mentally, that they were having difficulty adjusting our energies in preparation for a meeting because my physical energy was concentrated on my stomach, trying to digest some food. Just before all this began, I had eaten about a half of a Power Bar, a dense protein energy food. It was cold and hard from being in my gear bag for hours and I could feel it kind of just laying in my stomach. At this point, I sent a very deliberate message to the life forms: "I give you permission to take it out of my body". Suddenly, I felt as if someone were standing some distance away with a fishing line whose hook was inside my stomach. It felt as if someone were slowing reeling in the line as the food came back out the way it went in. Now, I detest vomiting more than almost anything and I was struck by the gentleness that was used in removing this food from my body. It was only mildly unpleasant. Dr. Greer, an emergency physician, asked me if I was alright. I told him that I was fine and that this was being done with my permission. After this little purging, the energy felt softer, with less intense vibration.

Soon the little beings sent both Dr. Greer and I the message that if we removed our glasses, we would be able to see them better. Although I normally use contact lenses, glasses are preferable for field work when wind and dust often get blown into my eyes, plus the fact that we are often in the field until the wee hours of the morning. After receiving this message, we each removed our glasses. One last request from the little ETs - that we remove our hats (it had been a chilly night.) At this point, I could actually feel a harmonious flow of energy between us, the little beings, and some other unseen source.

Another Being is Perceived:

At this point, the small life forms disappeared. Shafts of golden light began to come from an unknown, unseen source and lay across the bushes in front of us. We learned later that the three other team members behind us could see this as well, although they had not been able to perceive the small beings. I could feel one of these shafts of light approach me and fill my torso with a warm, golden glow. After the light rays faded, a large oval of bluish fog began to form about ten feet in front of us. As the blue mist began to coalesce, Dr. Greer and I became aware of a being within it. Although again we could see him only dimly, he appeared very humanoid, tall, with long and straight silverish hair. He appeared to be clothed in a light blue and silver uniform.

We learned later that one team member saw a tendril of the blue fog travel along the ground towards her. It frightened her a little until the mist reached her foot and began to send wisps around her feet. She later told us that there was a gentle kindness about the fog and all misgivings vanished. However, our American friend who was not an actual team member became very frightened by the golden light and blue fog.

We learned later that it was all too much for her - something the extraterrestrial would tell us. For as we stood there facing one another, the tall being sent us a message that they would very much like to manifest more fully in the physical to meet with us, but that if they did so, one of our team members would be dangerously frightened. Their caution and concern were touching. And a far cry from the crying wolf that goes on so often when extraterrestrials are said to be heartless, devoid of feeling, and out to harm human beings. We in CSETI feel that this type of encounter points up the absolute need and appropriateness of doing real-time field work in our efforts to learn exactly what these beings are all about.

It is important, and interesting, to note that both Dr. Greer and myself received nearly identical mental messages each time there was a communication from the extraterrestrial.

Dr. Greer and I consulted one another and decided to send a joint message. We told the tall being that if they could not come to us, it was okay with us if they could take us to where they were. We could sense this was being discussed with a 'central command control', or his more senior team members. Dr. Greer and I saw a copper-gold sphere, ten to twelve feet in diameter, begin to coalesce to the left of the tall being. It never reached material solidity but soon began to disperse. The tall being then sent us a message that it would frighten our teammates just as much to see us disappear in front of their eyes as it would for the ETs to manifest right there. At this time, we had no idea that any member of our team was having difficulty coping with these events.
Soon Again, Soon Again:

Finally, after what seemed like a few moments, the tall being sent us a message that they would not be able to manifest fully in the physical this night. But they sent a message: "soon again; soon again". At this point, Dr. Greer went back to speak with the other team members and I stayed put. For the next five minutes, the being and I exchanged blessings to each other, to our teams. It was poignant and lovely. I cannot recall any of the actual 'words' or specific communications; it was not a left-brained exchange, but was beyond the bounds of linear thought.

Their Reluctance is Proven Out:

When I joined the others, I learned that our American friend had become extremely frightened, so much so that she had taken refuge in our vehicle. We had designated the big Suburban as the 'safe area". We do this on all our field research - setting aside a specific enclosure that any team member can go to if unfolding events prove fearful to them. In fact, it is our policy to send a 'buddy' along, who remains with them the entire time they wish to stay in the safe area. We divide into buddies at the beginning of our field session so that each team member is accounted for, and accountable, at all times. She told us that if she had seen anything more from the ETs, she would have run screaming down the mountainside.

Preparation is Key:

Her reactions impressed upon us the importance of training for each team member. It served as a strong reminder to us to be more stringent in adherence to our policies regarding untrained guests who wanted to join our field work. Much to my surprise, Dr. Greer and I learned from our teammates that we had been standing there, exchanging communication with the extraterrestrials, for nearly two hours. We both thought no more than thirty minutes had elapsed. By this time, it was nearly 3:00 am, so we broke camp and went home.

The Encounters Continue:

The following day was a busy one with an appearance on Diana Chapa's live TV show in the morning, a field trip to another site in the afternoon, and a talk at the Ovni Club that evening. It was about 11:30 pm by the time we were driving up the narrow road to our Las Mitres site. Interestingly, our videographer teammate was absent from field work. He had decided to stay in the city to visit his friend and her son. As the Suburban headed up the gravel lane, Dr. Greer and I simultaneously observed a small, bright light on the side of Las Mitres. We knew from the previous night that there was no light normally in that area. Tonight we also had with us our American friend's Mexican husband. He and our driver assured us there were no houses, no power lines, no roads, nothing on the sheer cliffs of Las Mitres.

As we came to the base of the mountain, Dr. Greer jumped from the Suburban while it was still rolling. The other woman and I jumped out and grabbed the bare necessities of field gear: a 500,000-candle power portable halogen light, our night vision scope, binoculars, a small camcorder, and a hand-held micro-cassette recorder.

Because of the reaction by an untrained participant the previous night, we sent our driver and his friend down the road. We told them we could not afford any panic this night. Unbeknownst to us at the time, the men went to a spot at the bottom of the road where they could clearly see the events that unfolded.

Are We in a Spielberg Movie?:

Dr. Greer grabbed the halogen light and sent a signal to the star-like light on the hillside. Instantly, the light transformed into a gigantic, brilliant round beam that shot light down the entire mountainside! We were astonished. It came close to being the time we always joke about - when events are so incredible that we'll wish we had on "Depends" undergarments! We continued to have a Close Encounter of the Fifth Kind - a human-initiated or human-interactive experience - with this craft for the next two hours and fifteen minutes. An exchange like this, with a team in the field, is unprecedented. During the lengthy encounter, we sent light signals to the craft. The craft would signal back to us in the exact same sequence. Then its lights would extinguish. Within a few minutes, it would again illuminate and initiate a signal to us. This went on and on. Twice during this time period, we saw the shadows of beings walking in front of the blinding beam. At times, the beam would rotate upon itself, appearing to the left of its original position - then back where it was. Once the light seemed to turn over on itself, illuminating the sparsely forested slope behind it. This was one of the times when figures were seen to move in the beam.

Hoaxability Ration - Low to Zero:

It must be emphasized that this is a very remote area devoid of roads. For anyone to have hoaxed this event would have required something on the scale of a major motion picture crew. There was simply no way to have moved equipment like this onto these sheer slopes. It would have caused quite a commotion in the suburbs below if a crew of that magnitude had traversed those sheer cliffs that day. The area would have been swarming with lookie-loos. At the end of the two hours and fifteen minutes, the light, which by now had split into two candle-flame colored round lights, turned to brilliant red, shot out a lightning bolt of energy and vanished. We saw a golden streak shoot through the sky towards the direction of the ancient volcano, Topochico. And the energy was gone. It was not until this point that we fully appreciated that
1) we'd been standing up for all that time, and
2) our hair had stood on end the entire time.

As a side note, I want to report that when we first got out of the vehicle at the base of the mountain, I heard crickets chirping in stereophonic synchronicity. One would chirp on our right, then one would chirp on our left. The chirping was loud and distinct. When I heard it, I told my teammates that it was significant. I had heard similar chirping prior to another major encounter in the past. It was moments later that the gigantic craft illuminated before us.

Eventful Trip Home:

We signaled to our drivers to bring up the Suburban. When they arrived, we learned that the men had gone to a vantage point and had seen everything, giving us two independent witnesses. In fact, from their extra distance the light was not so blinding and they were able to discern the craft. They both reported seeing a very large disc-shaped craft with a domed top. The men were extremely excited. They said they felt bonded now, like brothers. The American's husband said that his life would never be the same again.

As we were riding on our 30-minute drive home, Dr. Greer remarked that he felt the ETs would follow us. Within a minute, the man in front was exclaiming, "la luz, la luz!" (the light, the light!) We could then see that the gigantic light was visible from the road, showing itself to us on the opposite side of the mountain from where it had been at our field site! We stopped at a closed gas station, signaled and videoed (which came out fuzzy and blurred). You will recall that, of all nights, our videographer was not with us this night. Coincidence or orchestrated by the ETs? So many such things happen that we have to ponder the possibility. This time, the light was not appearing as two lights side by side. Instead, they were two lights stacked one on top the other. We continued to observe it on the remainder of the homeward ride, stopping twice more to observe.

When we arrived home, we climbed up to our flat roof. We could still see it, even though the entire valley of the city of Monterrey was now between us, the back side of Las Mitres and the rest of the range. The lights were still there. They had changed position again and were now staggered, one atop the other. They had been so bright that we could see the rock face behind it illuminated. As we watched, the lights dimmed down to about half their luminosity.

The Craft Revealed:

At this point, we could clearly see the structure of the craft. It was indeed a large disc with a sloped dome on top. By measuring with fingers at arm's length, Dr. Greer determined that the craft was between one-half to one full city block in size. As the birds began to sing and the sky began to lighten, we bid goodbye and heartfelt thanks to our visitors for these remarkable experiences and went inside to sleep, and dream of them.

Shari Adamiak, Executive Director, CSETI ________________________

Final Notes:

I wish to advise that the three persons who interacted with the craft as described above included three very responsible and stable individuals. Dr. Greer is a practicing trauma physician, father of four, world-renowned expert on extraterrestrial intelligence. He is the founder of CSETI, and the visionary and guiding force of it. Our teammate from New York is cofounder of a research foundation and is personal friends with world leaders in both the political and private sectors. And I myself have been educated in the sciences and the law and worked for many years as a paralegal, which gives me a logical mind upon which to base my ongoing extraterrestrial experiences. - Shari Adamiak

I describe how I first met Shari in 1992. It was an experience that I will never forget:
https://contactunderground.wordpress.com/2022/03/05/i-meet-shari-adamiak-the-first-ce-5-working-group-coordinato
submitted by Contactunderground to CE5 [link] [comments]


2024.05.15 18:39 Contactunderground Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.

Monterrey Mexico 1994, there a CE-5 contact team attracted a large craft which hovered on a mountainside. A blinding beam of light emanated from the UFO and the silhouettes of beings could be seen moving in front of the beam.
Shari Adamiak was a dedicated, disciplined volunteer contact worker who I had the honor to serve with as a fellow CE-5 Working Group Coordinator from 1992 till 1998. I honor her memory by posting her report describing an amazing encounter in Monterrey Mexico in 1994.

In the report posted below, a prolonged telepathic exchanges reportedly occurred with two types of non-human beings, very small ones and a larger humanoid being.

Joseph Burkes MD 2024

https://preview.redd.it/3n19p6awbm0d1.jpg?width=344&format=pjpg&auto=webp&s=2ab154ed65a2403a5660ab1f927065c2b7016ff9
CLOSE ENCOUNTERS OF THE FIFTH KIND IN MONTERREY,
MEXICO - DECEMBER 1994
By Shari Adamiak ©1995, Executive Director of CSETI

Introduction:
The following is an account - from my point of view - of events that occurred during a CSETI investigative team activation to Monterrey, Mexico in December of 1994. While necessarily somewhat subjective based on my own experiences, every attempt has been made to present an accurate depiction of events that were experienced by myself and our team.
CSETI Reacts to Flap in Mexico:
After seeing a tape of a "Hard Copy" program showing an active wave of UFO activity in Monterrey, Mexico - the third largest metropolis in Mexico - we made an effort to contact the researcher who had taken those videos. Santiago Yturria is a thorough researcher and skilled videographer who, along with Diana Perla Chapa, the host of a popular live talk show on Mexican network television, has had a UFO group for over 20 years in the state of Nuevo Leone.

Dr. Steven Greer, international director of CSETI, activated a CSETI Rapid Mobilization Investigative Team (RMIT) to Monterrey to investigate this current flap. Santiago, Diana, and the entire Ovni Club of N.L. assisted us, took us to sites, shared their evidence and graciously welcomed us to Monterrey. Dr. Greer, myself, a woman from New York and a man, also a videographer, from Minneapolis made up the CSETI team. (Names furnished upon request.)
Consciousness Connections:

Lucid dream activity played a significant role in the events that unfolded in Monterrey. Three of the team had dreams that proved to be portents of happenings on this project. I had a dream in the early hours of December 13th. In it, the extraterrestrials were showing us the spot where we should come in order to have a meeting with them. They showed me aerial views, in stop motion - each one closer to the ground - and marked the site with a strobing turquoise laser pattern. They showed me a view from the ground, looking up at some steep peaks, and showed it to me both in day and nighttime views. The night view revealed two stars in a particular configuration over one of the peaks.

That very afternoon, Santiago and his friends drove us to Las Mitres mountains, well known as an area of many sightings of UFOs. As we approached, it dawned on me that it was identical to what I was shown in my dream. We decided to use the spot as our field research site that night. When we came to Las Mitres (so named because the mountain peaks resemble a bishop's miter hat) that night, the two stars were indeed in the sky in the same position as I had seen in my lucid dream.

The Team Gets to Work:

The CSETI team had observed some anomalous objects in the sky at two different sites on the nights of December 11th and 12th, but the next two nights, the 13th and 14th at the Las Mitres sites, proved to be exceptional. The Las Mitres mountains contain a large cave where the local investigators believe that spacecraft conceal themselves when coming to the Monterrey area. And, unusually dense low clouds were known to form over the cave and other parts of the peaks very quickly. On the night of December 13th, the entire CSETI team set up camp at the base of Las Mitres. We were joined by an American woman who was a friend of one of our teammates, who was married to a Mexican man and living in Monterrey. She had arranged our lodging and transportation for us.

Around 10:30 pm, following our first Coherent Thought Sequencing (a CSETI protocol) session, we observed a very bright light that appeared in the zenith of the sky, traveling rapidly in an upward arc that terminated in the center of the constellation Orion. At 10:45 pm, very dense clouds materialized within a minute on parts of the sheer mountain cliffs.
The Close Encounters Begin:

At approximately 1:00 am, Dr. Greer and another team member were standing slightly down the gravel road when they observed a bright, strobe-like white light to appear at the edge of the mountain. At about the same time, I had gotten up and walked closer towards the brush at the base of the mountain. Dr. Greer looked for me to tell me of the strobe light and found me at the spot where it had appeared. As we stood there, another round light came rolling down the side of the steep slope. Just then, I felt some invisible energy that felt as if it were gently pulling me in deeper to the brush. Both Dr. Greer and I felt there was a presence nearby that, from past experience, led us to feel there was a spacecraft and extraterrestrial beings very nearby.

Just then, I began to perceive small, square-shouldered beings in the brush around us. They could be sensed and dimly seen, but a clear view of them wasn't possible. The little beings were extremely shy and reticent. They would scurry close to us, then backtrack quickly into the brush. We could not hear any brush moving or footsteps but we could dimly see them. To me, they seemed to have on uniforms that covered their body and legs that were a dull orange-rust color. They were very short, just up to my knees (I am 5'7"). I became aware of a telepathic message - they were concerned about our video camera, behind me to the right. I turned my head and looked. Sure enough, unknown to me previously as I had not seen it in the dark, was our teammate's professional camera set up on a tripod. I send back the mental message to them not to worry, the camera wasn't on and we wouldn't let him touch it. They seemed to trust my assurance, as the event continued to unfold. I related this two-way communication to Dr. Greer, who went back to the other three people and instructed them to stay where they were unless he called them forward.

These rich, rare exchanges with what appear to be extraterrestrial life forms are very delicate scenarios. Any sudden, rash or extreme emotion or movement can thwart the entire event and bring it to a screeching halt, and the extraterrestrials vanish. Sometimes our second-guessing of what is needed to allow an event to unfold in all its possible fullness is accurate; sometimes it is not. It is almost like hesitant dance partners, longing but afraid to get closer. Until we as a people are more accepting of close contact with extraterrestrials, our interactions are likely to continue in this way.

I could mentally 'hear' concerned conversation going on amongst the small beings. They eventually conveyed to me the message, again mentally, that they were having difficulty adjusting our energies in preparation for a meeting because my physical energy was concentrated on my stomach, trying to digest some food. Just before all this began, I had eaten about a half of a Power Bar, a dense protein energy food. It was cold and hard from being in my gear bag for hours and I could feel it kind of just laying in my stomach. At this point, I sent a very deliberate message to the life forms: "I give you permission to take it out of my body". Suddenly, I felt as if someone were standing some distance away with a fishing line whose hook was inside my stomach. It felt as if someone were slowing reeling in the line as the food came back out the way it went in. Now, I detest vomiting more than almost anything and I was struck by the gentleness that was used in removing this food from my body. It was only mildly unpleasant. Dr. Greer, an emergency physician, asked me if I was alright. I told him that I was fine and that this was being done with my permission. After this little purging, the energy felt softer, with less intense vibration.

Soon the little beings sent both Dr. Greer and I the message that if we removed our glasses, we would be able to see them better. Although I normally use contact lenses, glasses are preferable for field work when wind and dust often get blown into my eyes, plus the fact that we are often in the field until the wee hours of the morning. After receiving this message, we each removed our glasses. One last request from the little ETs - that we remove our hats (it had been a chilly night.) At this point, I could actually feel a harmonious flow of energy between us, the little beings, and some other unseen source.

Another Being is Perceived:

At this point, the small life forms disappeared. Shafts of golden light began to come from an unknown, unseen source and lay across the bushes in front of us. We learned later that the three other team members behind us could see this as well, although they had not been able to perceive the small beings. I could feel one of these shafts of light approach me and fill my torso with a warm, golden glow. After the light rays faded, a large oval of bluish fog began to form about ten feet in front of us. As the blue mist began to coalesce, Dr. Greer and I became aware of a being within it. Although again we could see him only dimly, he appeared very humanoid, tall, with long and straight silverish hair. He appeared to be clothed in a light blue and silver uniform.

We learned later that one team member saw a tendril of the blue fog travel along the ground towards her. It frightened her a little until the mist reached her foot and began to send wisps around her feet. She later told us that there was a gentle kindness about the fog and all misgivings vanished. However, our American friend who was not an actual team member became very frightened by the golden light and blue fog.

We learned later that it was all too much for her - something the extraterrestrial would tell us. For as we stood there facing one another, the tall being sent us a message that they would very much like to manifest more fully in the physical to meet with us, but that if they did so, one of our team members would be dangerously frightened. Their caution and concern were touching. And a far cry from the crying wolf that goes on so often when extraterrestrials are said to be heartless, devoid of feeling, and out to harm human beings. We in CSETI feel that this type of encounter points up the absolute need and appropriateness of doing real-time field work in our efforts to learn exactly what these beings are all about.

It is important, and interesting, to note that both Dr. Greer and myself received nearly identical mental messages each time there was a communication from the extraterrestrial.

Dr. Greer and I consulted one another and decided to send a joint message. We told the tall being that if they could not come to us, it was okay with us if they could take us to where they were. We could sense this was being discussed with a 'central command control', or his more senior team members. Dr. Greer and I saw a copper-gold sphere, ten to twelve feet in diameter, begin to coalesce to the left of the tall being. It never reached material solidity but soon began to disperse. The tall being then sent us a message that it would frighten our teammates just as much to see us disappear in front of their eyes as it would for the ETs to manifest right there. At this time, we had no idea that any member of our team was having difficulty coping with these events.
Soon Again, Soon Again:

Finally, after what seemed like a few moments, the tall being sent us a message that they would not be able to manifest fully in the physical this night. But they sent a message: "soon again; soon again". At this point, Dr. Greer went back to speak with the other team members and I stayed put. For the next five minutes, the being and I exchanged blessings to each other, to our teams. It was poignant and lovely. I cannot recall any of the actual 'words' or specific communications; it was not a left-brained exchange, but was beyond the bounds of linear thought.

Their Reluctance is Proven Out:

When I joined the others, I learned that our American friend had become extremely frightened, so much so that she had taken refuge in our vehicle. We had designated the big Suburban as the 'safe area". We do this on all our field research - setting aside a specific enclosure that any team member can go to if unfolding events prove fearful to them. In fact, it is our policy to send a 'buddy' along, who remains with them the entire time they wish to stay in the safe area. We divide into buddies at the beginning of our field session so that each team member is accounted for, and accountable, at all times. She told us that if she had seen anything more from the ETs, she would have run screaming down the mountainside.

Preparation is Key:

Her reactions impressed upon us the importance of training for each team member. It served as a strong reminder to us to be more stringent in adherence to our policies regarding untrained guests who wanted to join our field work. Much to my surprise, Dr. Greer and I learned from our teammates that we had been standing there, exchanging communication with the extraterrestrials, for nearly two hours. We both thought no more than thirty minutes had elapsed. By this time, it was nearly 3:00 am, so we broke camp and went home.

The Encounters Continue:

The following day was a busy one with an appearance on Diana Chapa's live TV show in the morning, a field trip to another site in the afternoon, and a talk at the Ovni Club that evening. It was about 11:30 pm by the time we were driving up the narrow road to our Las Mitres site. Interestingly, our videographer teammate was absent from field work. He had decided to stay in the city to visit his friend and her son. As the Suburban headed up the gravel lane, Dr. Greer and I simultaneously observed a small, bright light on the side of Las Mitres. We knew from the previous night that there was no light normally in that area. Tonight we also had with us our American friend's Mexican husband. He and our driver assured us there were no houses, no power lines, no roads, nothing on the sheer cliffs of Las Mitres.

As we came to the base of the mountain, Dr. Greer jumped from the Suburban while it was still rolling. The other woman and I jumped out and grabbed the bare necessities of field gear: a 500,000-candle power portable halogen light, our night vision scope, binoculars, a small camcorder, and a hand-held micro-cassette recorder.

Because of the reaction by an untrained participant the previous night, we sent our driver and his friend down the road. We told them we could not afford any panic this night. Unbeknownst to us at the time, the men went to a spot at the bottom of the road where they could clearly see the events that unfolded.

Are We in a Spielberg Movie?:

Dr. Greer grabbed the halogen light and sent a signal to the star-like light on the hillside. Instantly, the light transformed into a gigantic, brilliant round beam that shot light down the entire mountainside! We were astonished. It came close to being the time we always joke about - when events are so incredible that we'll wish we had on "Depends" undergarments! We continued to have a Close Encounter of the Fifth Kind - a human-initiated or human-interactive experience - with this craft for the next two hours and fifteen minutes. An exchange like this, with a team in the field, is unprecedented. During the lengthy encounter, we sent light signals to the craft. The craft would signal back to us in the exact same sequence. Then its lights would extinguish. Within a few minutes, it would again illuminate and initiate a signal to us. This went on and on. Twice during this time period, we saw the shadows of beings walking in front of the blinding beam. At times, the beam would rotate upon itself, appearing to the left of its original position - then back where it was. Once the light seemed to turn over on itself, illuminating the sparsely forested slope behind it. This was one of the times when figures were seen to move in the beam.

Hoaxability Ration - Low to Zero:

It must be emphasized that this is a very remote area devoid of roads. For anyone to have hoaxed this event would have required something on the scale of a major motion picture crew. There was simply no way to have moved equipment like this onto these sheer slopes. It would have caused quite a commotion in the suburbs below if a crew of that magnitude had traversed those sheer cliffs that day. The area would have been swarming with lookie-loos. At the end of the two hours and fifteen minutes, the light, which by now had split into two candle-flame colored round lights, turned to brilliant red, shot out a lightning bolt of energy and vanished. We saw a golden streak shoot through the sky towards the direction of the ancient volcano, Topochico. And the energy was gone. It was not until this point that we fully appreciated that
  1. we'd been standing up for all that time, and
  2. our hair had stood on end the entire time.

As a side note, I want to report that when we first got out of the vehicle at the base of the mountain, I heard crickets chirping in stereophonic synchronicity. One would chirp on our right, then one would chirp on our left. The chirping was loud and distinct. When I heard it, I told my teammates that it was significant. I had heard similar chirping prior to another major encounter in the past. It was moments later that the gigantic craft illuminated before us.

Eventful Trip Home:

We signaled to our drivers to bring up the Suburban. When they arrived, we learned that the men had gone to a vantage point and had seen everything, giving us two independent witnesses. In fact, from their extra distance the light was not so blinding and they were able to discern the craft. They both reported seeing a very large disc-shaped craft with a domed top. The men were extremely excited. They said they felt bonded now, like brothers. The American's husband said that his life would never be the same again.

As we were riding on our 30-minute drive home, Dr. Greer remarked that he felt the ETs would follow us. Within a minute, the man in front was exclaiming, "la luz, la luz!" (the light, the light!) We could then see that the gigantic light was visible from the road, showing itself to us on the opposite side of the mountain from where it had been at our field site! We stopped at a closed gas station, signaled and videoed (which came out fuzzy and blurred). You will recall that, of all nights, our videographer was not with us this night. Coincidence or orchestrated by the ETs? So many such things happen that we have to ponder the possibility. This time, the light was not appearing as two lights side by side. Instead, they were two lights stacked one on top the other. We continued to observe it on the remainder of the homeward ride, stopping twice more to observe.

When we arrived home, we climbed up to our flat roof. We could still see it, even though the entire valley of the city of Monterrey was now between us, the back side of Las Mitres and the rest of the range. The lights were still there. They had changed position again and were now staggered, one atop the other. They had been so bright that we could see the rock face behind it illuminated. As we watched, the lights dimmed down to about half their luminosity.

The Craft Revealed:

At this point, we could clearly see the structure of the craft. It was indeed a large disc with a sloped dome on top. By measuring with fingers at arm's length, Dr. Greer determined that the craft was between one-half to one full city block in size. As the birds began to sing and the sky began to lighten, we bid goodbye and heartfelt thanks to our visitors for these remarkable experiences and went inside to sleep, and dream of them.

Shari Adamiak, Executive Director, CSETI ________________________

Final Notes:

I wish to advise that the three persons who interacted with the craft as described above included three very responsible and stable individuals. Dr. Greer is a practicing trauma physician, father of four, world-renowned expert on extraterrestrial intelligence. He is the founder of CSETI, and the visionary and guiding force of it. Our teammate from New York is cofounder of a research foundation and is personal friends with world leaders in both the political and private sectors. And I myself have been educated in the sciences and the law and worked for many years as a paralegal, which gives me a logical mind upon which to base my ongoing extraterrestrial experiences. - Shari Adamiak

I describe how I first met Shari in 1992. It was an experience that I will never forget:
https://contactunderground.wordpress.com/2022/03/05/i-meet-shari-adamiak-the-first-ce-5-working-group-coordinato
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2024.05.15 18:06 Then_Marionberry_259 MAY 15, 2024 MAG.TO MAG SILVER ANNOUNCES INTENTION TO MAKE NORMAL COURSE ISSUER BID FOR COMMON SHARES

MAY 15, 2024 MAG.TO MAG SILVER ANNOUNCES INTENTION TO MAKE NORMAL COURSE ISSUER BID FOR COMMON SHARES
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VANCOUVER, British Columbia, May 15, 2024 (GLOBE NEWSWIRE) -- MAG Silver Corp. (TSX / NYSE American: MAG) (“MAG”, or the “ Company ”) today announced that the Toronto Stock Exchange (the “ TSX ”) has accepted the Company’s Notice of Intention to Make a Normal Course Issuer Bid (“ NCIB ”).
Under the NCIB, the Company may purchase for cancellation up to an aggregate of 8,643,374 common shares in the capital of the Company (“ Common Shares ”), representing approximately 10% of the public float (as defined in the rules and policies of the TSX) of the Common Shares as of May 8, 2024. The Company’s purchases in the United States will be subject to a limit of 5,148,977 Common Shares, being 5% of the public float of the Common Shares as of May 8, 2024.
The NCIB will commence on May 17, 2024 and terminate May 16, 2025, or earlier if the maximum number of Common Shares under the NCIB have been purchased or if the NCIB has been terminated by the Company. As of May 8, 2024, the Company had 103,143,078 Common Shares issued and outstanding and a public float of 86,433,740 Common Shares.
Under the NCIB, other than purchases made under a block purchase exception in accordance with the rules and policies of the TSX, the Company may acquire, from time to time, up to 66,371 Common Shares per day on the TSX, being 25% of the average daily trading volume of the Common Shares for the period from November 1, 2023 to April 30, 2024, which was 265,485 Common Shares. The maximum number of Common Shares which may be purchased per day on the NYSE American LLC (the “ NYSE American ”) will be 25% of the average daily trading volume for the four calendar weeks preceding the date of purchase, subject to certain exceptions for block purchases. The Company has not purchased Common Shares under a normal course issuer bid within the past twelve months.
Under the NCIB, purchases will be made through the facilities of the TSX, the NYSE American and/or permitted alternative trading systems in Canada and the United States at prevailing market prices or such other prices as permitted under the rules and policies of the TSX and the NYSE American, as applicable, and applicable securities laws. All Common Shares purchased by the Company under the NCIB will be cancelled. Repurchases will be subject to compliance with applicable Canadian securities laws and United States federal securities laws.
MAG believes that when a disconnect exists between the share price and the intrinsic value of the business, an NCIB can increase shareholder value and per share growth. Further, the Company believes that current market conditions provide opportunities for the Company to acquire Common Shares at attractive prices. In the Company’s view, having the option to opportunistically repurchase Common Shares could be an effective use of its cash resources and could be in the best interests of the Company and its shareholders. It would both enhance liquidity for shareholders seeking to sell and provide an increase in the proportionate interests of shareholders wishing to maintain their positions.
In connection with the NCIB, the Company expects to enter into an automatic share purchase plan (" ASPP ") in relation to purchases made under the NCIB. The ASPP is intended to facilitate repurchases of Common Shares at times under the NCIB when the Company would ordinarily not be permitted to make purchases due to regulatory restriction or customary self-imposed blackout periods. Before the commencement of any particular trading black-out period, the Company may, but is not required to, instruct its designated broker to make purchases of Common Shares under the NCIB during the ensuing black-out period in accordance with the terms of the ASPP. Such purchases will be determined by the designated broker at its sole discretion based on purchasing parameters set by the Company in accordance with the rules of the TSX and NYSE American, as applicable, and applicable securities laws and the terms of the ASPP. All purchases of Common Shares made under the ASPP will be included in determining the number of Common Shares purchased under the NCIB. The ASPP will constitute an "automatic securities purchase plan" under applicable securities laws. Outside of pre-determined blackout periods, Common Shares may be purchased under the NCIB based on management's discretion, in compliance with TSX and NYSE American rules, as applicable, and applicable securities laws.
To the knowledge of MAG, no director or senior officer of the Company currently intends to sell any Common Shares under the NCIB. However, sales by such persons through the facilities of the TSX may occur if the personal circumstances of any such person change or any such person makes a decision unrelated to these normal course purchases. The benefits to any such person whose Common Shares are purchased would be the same as the benefits available to all other holders whose Common Shares are purchased.
This press release shall not constitute an offer to sell or the solicitation of an offer to buy securities in the United States, nor shall there by any sale of these securities in any jurisdiction in which such offer, solicitation or sale would be unlawful.
About MAG Silver Corp.
MAG Silver Corp. is a growth-oriented Canadian exploration company focused on advancing high-grade, district scale precious metals projects in the Americas. MAG is emerging as a top-tier primary silver mining company through its (44%) joint venture interest in the 4,000 tonnes per day Juanicipio Mine, operated by Fresnillo plc (56%). The mine is located in the Fresnillo Silver Trend in Mexico, the world's premier silver mining camp, where in addition to underground mine production and processing of high-grade mineralised material, an expanded exploration program is in place targeting multiple highly prospective targets. MAG is also executing multi-phase exploration programs at the 100% earn-in Deer Trail Project in Utah and the 100% owned Larder Project, located in the historically prolific Abitibi region of Canada.
Neither the Toronto Stock Exchange nor the NYSE American has reviewed or accepted responsibility for the accuracy or adequacy of this press release, which has been prepared by management.
Cautionary Note Regarding Forward-Looking Statements
This release includes certain statements that may be deemed to be “forward-looking statements” within the meaning of the US Private Securities Litigation Reform Act of 1995 or “forward-looking information” within the meaning of applicable Canadian securities laws (collectively, “ forward-looking statements ”). Forward-looking statements in this news release include statements regarding its intention to make an NCIB and enter into an ASPP, the reasons for the NCIB, the timing and amount of purchases under the NCIB and the ASPP and the cancellation of the Common Shares purchased under the NCIB. Forward-looking statements are often, but not always, identified by the use of words such as “seek”, “anticipate”, “plan”, “continue”, “estimate”, “expect”, “may”, “will”, “project”, “predict”, “potential”, “targeting”, “intend”, “could”, “might”, “should”, “believe” and similar expressions. These statements involve known and unknown risks, uncertainties and other factors that may cause actual results or events to differ materially from those anticipated in such forward-looking statements. Although MAG believes the expectations expressed in such forward-looking statements are based on reasonable assumptions, such statements are not guarantees of future performance and actual results or developments may differ materially from those in the forward-looking statements. Factors that could cause actual results to differ materially from those in the forward-looking statements identified herein include, but are not limited to, changes in applicable laws, continued availability of capital and financing, and general economic, market or business conditions, political risk, currency risk and capital cost inflation. In addition, forward-looking statements are subject to various risks, including those risks disclosed in MAG Silver’s filings with the Securities Exchange Commission (the “ SEC ”) and Canadian securities regulators. All forward-looking statements contained herein are made as at the date hereof and MAG Silver undertakes no obligation to update the forward-looking statements contained herein. There is no certainty that any forward-looking statement will come to pass, and investors should not place undue reliance upon forward-looking statements.
The annual information form of the Company dated March 27, 2024 and other documents filed by it from time to time with securities regulatory authorities describe in greater detail the risks, uncertainties, material assumptions and other factors that could influence actual results and such factors are incorporated herein by reference. Copies of these documents are available under our profile on SEDAR+ at www.sedarplus.ca .
Please Note: Investors are urged to consider closely the disclosures in MAG’s annual and quarterly reports and other public filings, accessible through the Internet at www.sedarplus.ca and www.sec.gov .
LEI: 254900LGL904N7F3EL14

For further information on behalf of MAG Silver Corp. Contact Michael J. Curlook, Vice President, Investor Relations and Communications Phone: (604) 630-1399 Toll Free: (866) 630-1399 Email: info@magsilver.com 
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2024.05.15 18:01 Previous_Science7675 Why Is Life Insurance Important for Self-Employed?

Life insurance is a financial product that provides a lump-sum payment to designated beneficiaries upon the death of the insured person, through life insurance companies in Sri Lanka. This payment, known as the death benefit, can help cover funeral expenses, replace lost income, pay off debts, and provide financial security for loved ones left behind.

For self-employed individuals, life insurance in Sri Lanka is particularly important for several reasons:
· Income Replacement: Self-employed individuals often do not have the same safety nets as employees, such as employer-provided life insurance or pension plans. Life insurance can help replace lost income for their families if they pass away unexpectedly, ensuring that their loved ones are financially secure.
· Debt Coverage: Many self-employed people have loans or debts associated with their business, such as business loans, mortgages, or credit card debt. Life insurance can help cover these debts, preventing financial burdens from being passed on to their heirs.
· Business Continuity: For self-employed individuals who own businesses, life insurance can be crucial for business continuity. It can provide funds to cover expenses during a transition period or help buy out a deceased partner's share of the business, ensuring the smooth continuation of operations.
· Estate Planning: Life insurance proceeds can be used to pay estate taxes or other expenses associated with transferring assets to heirs. This can help preserve the value of the estate and ensure that assets are distributed according to the individual's wishes.

Life insurance, similar to retirement plans in Sri Lanka, provides peace of mind for self-employed individuals, knowing that their loved ones and businesses will be financially protected in the event of their death. It is a crucial component of financial planning for anyone who relies on their income to support themselves and their families.

How do I find the right life insurance policy for my needs?
Finding the right life insurance policy for your needs involves assessing your financial situation, understanding your goals, and comparing various insurance options. Here is a step-by-step guide to help you through the process:
· Assess Your Needs: Start by evaluating your financial obligations, including outstanding debts, mortgage, future expenses (such as college tuition for children), and the income replacement needs of your dependents. Consider how much coverage would be necessary to meet these needs if you were to pass away.
· Understand Types of Life Insurance: There are two primary types of life insurance: term life insurance and permanent life insurance. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years), while permanent life insurance (such as whole life or universal life) provides coverage for your entire life and includes a cash value component. Determine which type aligns best with your needs and preferences.
· Calculate Coverage Amount: Use online calculators or consult with a financial advisor to estimate the amount of coverage you need based on your financial obligations and goals.
· Compare Quotes: Get quotes from multiple insurance companies to compare premiums for the coverage amount you need. Consider factors such as the company's financial stability, reputation, and customer service.
· Review Policy Features: Pay attention to the features and riders offered by each policy, such as accelerated death benefits, guaranteed insurability options, and waiver of premium riders. These features can add flexibility and additional benefits to your policy.
· Check Underwriting Requirements: Understand the underwriting process for each insurance company, including medical exams, health questionnaires, and pre-existing conditions. Some companies may offer simplified or no-exam underwriting, which can be beneficial for certain individuals.
· Read the Fine Print: Carefully review the policy contract, including terms, conditions, exclusions, and any limitations. Make sure you understand how the policy works and what is covered.
· Consider Additional Riders: Depending on your needs, consider adding riders to your policy for additional coverage, such as accidental death benefit riders, critical illness riders, or disability income riders.
· Seek Professional Advice: If you are unsure about which policy is best for you, consider consulting with a licensed insurance agent or financial advisor who can provide personalised recommendations based on your financial situation and goals.
· Regularly Review Your Coverage: Life insurance needs can change over time due to factors such as marriage, the birth of children, career advancements, or changes in financial obligations. Review your coverage periodically to ensure it still aligns with your needs and make adjustments as necessary.

What should a life insurance policy include?
A comprehensive life insurance policy should include the following key components:
· Death Benefit: This is the primary component of a life insurance policy. It provides a lump-sum payment to the designated beneficiaries upon the death of the insured individual. The death benefit amount should be sufficient to meet the financial needs of the insured's dependents and cover outstanding debts, funeral expenses, and other obligations.
· Policy Term or Duration: For term life insurance policies, the policy will specify the coverage duration, such as 10, 20, or 30 years. Permanent life insurance policies provide coverage for the insured's entire life.
· Premiums: The policy will outline the amount and frequency of premium payments required to keep the policy in force. Premiums can be paid annually, semi-annually, quarterly, or monthly.
· Cash Value (for Permanent Policies): Permanent life insurance policies typically accumulate cash value over time, which can be accessed by the policyholder through loans or withdrawals. The policy should specify how the cash value grows and how it can be utilised.
· Riders and Optional Benefits: Policyholders can often add additional coverage or benefits to their life insurance policy through riders. Common riders include accelerated death benefit riders, which allow the policyholder to access a portion of the death benefit if diagnosed with a terminal illness, and waiver of premium riders, which waive premium payments if the insured becomes disabled.
· Coverage Exclusions and Limitations: The policy will outline any circumstances or events that are not covered by the insurance, such as suicide within a certain period after the policy is purchased or death resulting from illegal activities.
· Policy Renewal and Conversion Options: For term life insurance policies, the policy may include options for renewal or conversion to a permanent policy at the end of the term without the need for a medical exam.
· Policy Ownership and Beneficiary Designation: The policyholder has the right to designate the policy's owner and beneficiaries. The owner has control over the policy and can make changes to beneficiaries or coverage as needed.
· Grace Period: The policy should specify a grace period during which premium payments can be made after the due date without the policy lapsing.
· Policy Surrender and Lapse Provisions: The policy should outline the process and consequences of surrendering the policy or allowing it to lapse due to non-payment of premiums.

It is important to carefully review the terms and conditions of a life insurance policy before purchasing to ensure that it meets your needs and provides the necessary financial protection for you and your loved ones.
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2024.05.15 17:42 Then_Marionberry_259 MAY 15, 2024 API.CN APPIA SIGNS MOU TO OPTION ELLIOT LAKE PROPERTY

MAY 15, 2024 API.CN APPIA SIGNS MOU TO OPTION ELLIOT LAKE PROPERTY
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Toronto, Ontario--(Newsfile Corp. - May 15, 2024) - Appia Rare Earths & Uranium Corp. (CSE: API) (OTCQX: APAAF) (FSE: A0I0) (MUN: A0I0) (BER: A0I0) (the "Company" or "Appia") announced today that it has signed a non-binding memorandum of understanding ("MOU") with 15997356 Canada Inc. (the "Purchaser") to option up to a 100% working interest in the Company's Elliot Lake Uranium Project ("Elliot Lake") located in Elliot Lake Ontario (the "Transaction").
The Transaction is subject to the parties entering into a Definitive Agreement setting out the terms and conditions for the Transaction. The Purchaser can earn a 51% interest in Elliot Lake by paying $25 million (the "Initial Cash Consideration") to Appia by October 31, 2024 (the "Closing Date of Stage One"). The Transaction is conditional upon the Purchaser providing a financing commitment to Appia on or before July 9, 2024, failing which Appia can terminate the Transaction. The Purchaser has the right to assign the MOU to another private or public company.
If the Purchaser pays the Initial Cash Consideration to Appia by October 31, 2024, the Purchaser will hold a 51% interest in Elliot Lake and the parties will form a joint venture with the purchaser holding a 51% interest and Appia holding a 49% interest in Elliot Lake. The Purchaser will then have 36 months to obtain a bankable feasibility study with respect to the development of Elliot Lake. If the bankable feasibility study is not delivered within 36 months of the Closing Date of Stage One, the Purchaser will have the right to take an additional 12 months to complete the bankable feasibility study by paying Appia $5 million (the "Joint Venture Commencement Date"). The Purchaser will be responsible to make all expenditures relating to the bankable feasibility study. Upon the delivery of a bankable feasibility study, the Purchaser can earn the remaining 49% interest in Elliot Lake by paying $50 million to Appia. Appia will retain up to a 2% Uranium Production Payment Royalty and up to a 2% Net Smelter Returns Royalty in Elliot Lake, subject to the existing royalties on the Elliot Lake property.
If the Purchaser has not delivered the bankable feasibility study by the Joint Venture Commencement Date, the Purchaser and Appia will proceed with the joint venture with the Purchaser having the obligation to make the first $15 million in expenditures at Elliot Lake to maintain its 51% interest. Thereafter, the parties will contribute pro rata to the further exploration and development of Elliot Lake subject to the standard terms of a joint venture pursuant to which the parties will be diluted pro rata for failure to make the required contributions to the joint venture. If the Purchaser fails to make the first $15 million in expenditures within 24 months following the Joint Venture Commencement Date, it will immediately be reduced to a 33 1/3% interest in Elliot Lake with Appia's interest being increased to a 66 2/3% interest. Appia will then become the operator under the joint venture agreement for the further exploration and development of Elliot Lake.
The Transaction is subject to satisfactory completion of due diligence, the execution of a definitive agreement and the fulfilment of certain conditions precedent as are customary for a transaction of this nature including regulatory approval.
About Appia Rare Earths & Uranium Corp.
Appia is a publicly traded Canadian company in the rare earth element and uranium sectors. The Company holds the right to acquire up to a 70% interest in the PCH Ionic Adsorption Clay Project (See June 9th, 2023 Press Release - Click HERE) which is 40,963.18 ha. in size and located within the Goiás State of Brazil. (See January 11th, 2024 Press Release - Click HERE) The Company is also focusing on delineating high-grade critical rare earth elements and gallium on the Alces Lake property, and exploring for high-grade uranium in the prolific Athabasca Basin on its Otherside, Loranger, North Wollaston, and Eastside properties. The Company holds the surface rights to exploration for 94,982.39 hectares (234,706.59 acres) in Saskatchewan. The Company also has a 100% interest in 13,008 hectares (32,143 acres), with rare earth elements and uranium deposits over five mineralized zones in the Elliot Lake Camp, Ontario.
Appia has 136.3 million common shares outstanding, 145 million shares fully diluted.
Cautionary note regarding forward-looking statements: This News Release contains forward-looking statements which are typically preceded by, followed by or including the words "believes", "expects", "anticipates", "estimates", "intends", "plans" or similar expressions. Forward-looking statements are not a guarantee of future performance as they involve risks, uncertainties and assumptions. We do not intend and do not assume any obligation to update these forward-looking statements and shareholders are cautioned not to put undue reliance on such statements.
Neither the Canadian Securities Exchange nor its Market Regulator (as that term is defined in the policies of the CSE) accepts responsibility for the adequacy or accuracy of this release.
For more information, visit www.appiareu.com.
As part of our ongoing effort to keep investors, interested parties and stakeholders updated, we have several communication portals. If you have any questions online (X,Facebook,LinkedIn) please feel free to send direct messages.
To book a one-on-one 30-minute Zoom video call, please[click here](mailto:sburega@appiareu.com).
Contact:
Tom Drivas, CEO and Director(c) (416) 876-3957 (f) (416) 218-9772 (e) [tdrivas@appiareu.com](mailto:tdrivas@appiareu.com)
Stephen Burega, President(c) (647) 515-3734 (e) [sburega@appiareu.com](mailto:sburega@appiareu.com)

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/209216

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2024.05.15 17:29 Roger1103 My roommate wants me to pay the rent for him

Hi everyone, I have a tricky rental problem and would like to get some legal advice or experience to share.
I signed a contract with a roommate L for a three-bedroom apartment in Ottawa. I act as a middleman to collect the rent and pass it on to the landlord. After that, our new roommate J joined us, but there was no contract of any kind between us.
Recently, J informed me that he would be away from Canada for four months and would like me to help him pay his rent during this period and leave his personal belongings in his room. However, he only gave me two weeks' notice, and he refused to add his name to the lease with the landlord.
At this time, L also told me that he planned to leave in June. I can't afford the rent for three people on my own, and it's hard to find a roommate during the summer vacation, so I'm going to terminate my contract with my landlord and leave in June.
My concern is that since there is no formal contract between J and me, I am not sure how to legally dispose of his personal belongings, especially since I will be moving out of this apartment in June.
What should I do in this case? Is it necessary to seek legal assistance? Thank you all for your help!
PS: I am posting this for a friend of mine, he would answer all the questions and feedbacks related to this post.
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2024.05.15 17:25 Roger1103 My roommate wants me to pay the rent for him

Hi everyone, I have a tricky rental problem and would like to get some legal advice or experience to share.
I signed a contract with a roommate L for a three-bedroom apartment in Ottawa. I act as a middleman to collect the rent and pass it on to the landlord. After that, our new roommate J joined us, but there was no contract of any kind between us.
Recently, J informed me that he would be away from Canada for four months and would like me to help him pay his rent during this period and leave his personal belongings in his room. However, he only gave me two weeks' notice, and he refused to add his name to the lease with the landlord.
At this time, L also told me that he planned to leave in June. I can't afford the rent for three people on my own, and it's hard to find a roommate during the summer vacation, so I'm going to terminate my contract with my landlord and leave in June.
My concern is that since there is no formal contract between J and me, I am not sure how to legally dispose of his personal belongings, especially since I will be moving out of this apartment in June.
What should I do in this case? Is it necessary to seek legal assistance? Thank you all for your help!
PS: I am posting this for a friend u/46316824 of mine, he would answer all the questions and feedbacks related to this post.
submitted by Roger1103 to legaladvicecanada [link] [comments]


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