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Does your partner lie about what they are spending? Research examines how financial infidelity can harm a relationship

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Does your partner lie about what they are spending? Research examines how financial infidelity can harm a relationship


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Ripped up receipts. Rushing to intercept the postman. New credit cards arriving frequently in the mail.

These are just a few of the telltale signs that your partner is not being entirely honest about their spending.

According to a survey carried out in December by consumer financial services company Bankrate, 4 in 10 U.S. adults who are married or living with a partner admitted to keeping financial secrets from their other half.

Almost a quarter of participants said they held secret debt, while 18% confirmed they had a credit card their spouse was not aware of.

None of this is news to Hristina Nikolova, an associate professor at Northeastern University. The behavioral data scientist has spent her career researching decision-making by couples and has delved into the topic of financial infidelity.

A paper she helped produce in 2020—which researched six categories where there can be financial infidelity: spending, saving, debt, gift-giving, gambling and income—looked at the knock-on effect that such behavior has on the marketing and sales industries.

“When you engage in that type of behavior, you’re more likely to look for ways to hide it—that has implications for how marketers offer their packaging and so on,” Nikolova says.

“So now you can imagine a brown box that doesn’t have any branding to suggest that there is a $500 Prada sweater or bag inside.

“We also found that another consequence [of financial infidelity] is there are consumers who prefer individual credit cards, even though these individual credit cards might come with a higher interest rate compared with a joint credit card that has a 0% rate. They are willing to incur a financial cost in order to be able to hide and not leave a track of their behavior on the joint credit card statement.”

The study Nikolova published four years ago with three other researchers—”Love, Lies, and Money: Financial Infidelity in Romantic Relationships”—claims to be the “first to introduce, define, and measure financial infidelity reliably and succinctly and examine its antecedents and consequences.”

It used laboratory and field studies, along with analysis of couples’ bank account data, to produce a “financial infidelity scale” to measure how prone a consumer was to concealing their monetary activity.

The consumer insight expert’s latest research has looked to expand on what the “consequences” are when someone engages in so-called financial “cheating” when in a relationship.

“The first part of this work started with, ‘OK, what is this phenomenon?'” Nikolova says. “It’s very prevalent—there are a lot of industry surveys that show that people hide credit cards, people hide their spending, people hide the loans.

“But people also hide savings accounts, so it is not about hiding only spending; it is not about only hiding the negative behaviors. People also hide positive financial behavior.

“Our first paper was trying to understand this, including how we measure it and what are the marketing implications. And then in a new paper that we are working on right now, we are looking at this more from a relationship perspective—the dynamics between the two people, how they impact the relationship as a whole, and also the financial well-being of the couple.”

In her current paper, currently under review by the International Journal of Research in Marketing, Nikolova and two colleagues—Jenny Olson from Indiana University and Joe Gladstone from the University of Colorado—found that couples containing one person who is prone to financial infidelity are less satisfied in their relationship and tend to have fewer total assets.

That is true when compared to couples where both say they are transparent about their spending and also against couples who both concede that they hide elements of their spending from each other.

“With couples who both are highly prone to financial infidelity, they felt like they were on the same page,” Nikolova says.

“They have this aligned understanding of their goals, so that leads to more relationship satisfaction. They think, ‘Yes, we’re both doing it so we’re aligned. That’s OK, so we feel happier.’

“But when one of them feels like they are deceived by the other person, then that leads to misaligned goals and that leads to lower satisfaction in the relationship.”

This financial deception can take many forms.

“You can think about experiences like going and spending money on a lavish dinner with your friends and not telling your partner about that,” Nikolova continues. “You can also pretend that a [new purchase] is a gift. You could hide the boxes and then pretend it was a gift from someone—people do that.”

The infidelity does not even have to be small scale. According to a report in The Times, some wealthy couples hide buying villas and holiday homes from each other.

Nikolova says there can be lots of reasons for couples fibbing to each other about what they are using their credit cards for, but as researchers they are “agnostic to what the motives are.”

“We have evidence that the misalignment in the financial goals is what is driving the lower relationship satisfaction, but we haven’t done any studies on why they start cheating financially in the first place,” she says.

The impact of financial infidelity, she argues, can be as bad, if not worse, than romantic betrayal.

“In our first paper, we made the argument that [financial infidelity] actually might be more hurtful to a relationship than romantic infidelity,” Nikolova continues.

“If there is romantic infidelity, there are the psychological consequences of being deceived. But then you can end the relationship and you are not left with any financial consequences.”

With financial infidelity, you might be left with a lot of debt, especially if you are married, she points out.

“If your partner has built up debt, legally you are also responsible for that,” Nikolova says. “And then on top of that, you also have the psychological consequences of being deceived and so on.

“So it could be argued that financial infidelity is actually more detrimental than the romantic or sexual infidelity that we have spent so much time researching in the past in psychology.”

This story is republished courtesy of Northeastern Global News news.northeastern.edu.

Citation:
Does your partner lie about what they are spending? Research examines how financial infidelity can harm a relationship (2024, September 16)
retrieved 16 September 2024
from https://phys.org/news/2024-09-partner-financial-infidelity-relationship.html

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Energy-saving computing with magnetic whirls

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Energy-saving computing with magnetic whirls


Energy-saving computing with magnetic whirls
An electric voltage is employed to move a skyrmion on the triangular thin-layer film. The motions performed by the skyrmion allow for the interpretation of the type of hand gesture detected by the system. Credit: Grischa Beneke / JGU

Researchers at Johannes Gutenberg University Mainz (JGU) have managed to enhance the framework of Brownian reservoir computing by recording and transferring hand gestures to the system that then used skyrmions to detect these individual gestures.

“We were impressed to see that our hardware approach and concept worked so well—and even better than energy-intensive software solutions that employ neural networks,” said Grischa Beneke, a member of Professor Mathias Kläui’s research group at the JGU Institute of Physics.

In collaboration with other experimental and theoretical physicists, Beneke was able to demonstrate that simple hand gestures can be recognized by means of Brownian reservoir computing with a relatively high degree of precision.

The work is published in the journal Nature Communications.

Reservoir computing requires no training efforts and reduces energy consumption

Reservoir computing systems are similar to artificial neural networks. Their advantage is that they do not need extensive training, which reduces their overall energy consumption. “All we have to do is train a simple output mechanism to map the result,” explained Beneke.

The exact computing processes remain unclear and are not important in detail. The system can be compared to a pond in which stones have been thrown, creating a complex wave pattern on the surface. In the same way that the waves hint to the number and position of stones thrown, the output mechanism of the system provides information on the original input.

In the paper, the researchers describe how they recorded simple hand gestures such a swipe left or right with Range-Doppler radar, employing two Infineon Technologies radar sensors. The radar data is then converted into corresponding voltages to be fed into the reservoir that, in this case, consists of a multilayered thin film stack of various materials that is formed into a triangle with contacts at each of its corners.

Two of the contacts supply the voltage, which causes the skyrmion to move within the triangle. “In reaction to the supplied signals, we detect complex motions,” described Grischa Beneke. “These movements of the skyrmion enable us to deduce the movements that the radar system has recorded.”

Skyrmions are chiral magnetic whirls that are considered to have major potential for use in non-conventional computing devices and as information carriers in innovative data storage devices.

“Skyrmions are really astonishing. We first regarded them only as candidates for data storage but they also have great potential for applications in computing combined with sensor systems,” emphasized Professor Mathias Kläui, supervisor of this field of research at JGU.

Comparison of the results obtained using Brownian reservoir computing with those recorded using a software-based approach shows that the accuracy of gesture recognition is similar or even better in the case of Brownian reservoir computing. The benefit of the combination of reservoir computing with a Brownian computing concept is that skyrmions are free to perform random motions because local differences in magnetic properties have less influence on how they react.

This means that skyrmions, in contrast with how they usually respond, can be made to move with just very low currents—which demonstrates a significant improvement in energy efficiency in comparison with the software approach.

As the data collected by the Doppler radar and the intrinsic dynamics of the reservoir operate on similar time scales, the sensor data can be input directly into the reservoir. The time scales of the system can be adapted to resolve a variety of other problems.

“We find that the radar data of different hand gestures is detected in our hardware reservoir with a fidelity that is at least as good as a state-of-the-art software-based neural network approach,” the researchers concluded.

According to Beneke, further improvement should be possible in terms of the read-out process, which currently uses a magneto-optical Kerr-effect (MOKE) microscope. The employment of a magnetic tunnel junction instead could help to reduce the size of the whole system. The signals provided by a magnetic tunnel junction are already being emulated to demonstrate the capacity of the reservoir.

More information:
Grischa Beneke et al, Gesture recognition with Brownian reservoir computing using geometrically confined skyrmion dynamics, Nature Communications (2024). DOI: 10.1038/s41467-024-52345-y

Citation:
Energy-saving computing with magnetic whirls (2024, September 16)
retrieved 16 September 2024
from https://phys.org/news/2024-09-energy-magnetic.html

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New ‘grumpy’ fish species discovered in the Red Sea

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New ‘grumpy’ fish species discovered in the Red Sea


New 'grumpy' fish species discovered in the Red Sea
The Grumpy dwarfgoby, Sueviota aethon. Credit: Viktor Nunes Peinemann

A team of researchers at the King Abdullah University of Science and Technology and the University of Washington has discovered a new species of fish that seems perpetually displeased. The researchers decided to call this new species the grumpy dwarfgoby.

Despite its small size of less than 2 centimeters, the grumpy dwarfgoby has a surprisingly menacing appearance. Its large canines and fierce expression give it a rather intimidating look for such a small fish.

Lucía Pombo-Ayora, who gave the species its grumpy common name, comments on its distinctive appearance, “I imagine in its own tiny world, it is a fearsome predator. Its grumpy expression and large canines certainly make it look the part, despite its small size.”

The species’ bright red coloration actually helps it blend into its natural habitat. It can be found on the walls and overhangs of coral reefs, covered in red coralline algae. There, it lives in small holes and crevices, using its large canines to capture tiny invertebrates. The grumpy dwarfgoby appears to be a relatively rare species, which is likely why it remained undiscovered until now.

The researchers found the first specimens in the Farasan Banks in Saudi Arabia, with additional specimens later found near Thuwal in the Red Sea. It was researcher Viktor Nunes Peinemann who first found it during a diving expedition to explore the coral reef fish diversity.

  • New 'grumpy' fish species discovered in the Red Sea
    The Grumpy dwarfgoby, Sueviota aethon. Credit: Viktor Nunes Peinemann
  • New 'grumpy' fish species discovered in the Red Sea
    A CT scan of the skull of The Grumpy dwarfgoby, Sueviota aethon. Credit: Viktor Nunes Peinemann

Initially, the researchers thought they had rediscovered the fiery dwarfgoby, Sueviota pyrios, which is only known from a single specimen collected in 1972. However, upon closer examination, they realized they were dealing with an entirely new, undescribed species.

“The ongoing discovery of distinctive new species like this grumpy dwarfgoby shows how much biodiversity remains undiscovered in the Red Sea,” Nunes Peinemann explains. “This is concerning given the recent environmental changes in the region. In some cases, species could go extinct before we even describe them.”

The region is known for its high levels of endemic species and the Grumpy dwarf goby is another addition to this unique fauna. Much of the Red Sea has experienced major disturbances resulting from climate change in recent years, including widespread coral bleaching and mortality. The fact that new species are still being discovered in this rapidly changing environment highlights the urgency of continued research and conservation efforts, the researchers believe.

They have published their discovery in the journal ZooKeys.

More information:
Viktor Nunes Peinemann et al, The Grumpy dwarfgoby, a new species of Sueviota (Teleostei, Gobiidae) from the Red Sea, ZooKeys (2024). DOI: 10.3897/zookeys.1212.121135

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New ‘grumpy’ fish species discovered in the Red Sea (2024, September 16)
retrieved 16 September 2024
from https://phys.org/news/2024-09-grumpy-fish-species-red-sea.html

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Comprehensive model uses airborne LiDAR data to predict walking travel times with unprecedented accuracy

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Comprehensive model uses airborne LiDAR data to predict walking travel times with unprecedented accuracy


Model for estimating on- and off-path walking travel rates with unprecedented accuracy using airborne lidar data
Simulation of a scenario in which emergency responders are planning to rescue an injured hiker. From a central point, the authors chose 1,000 random destinations and mapped hiking routes using two different models: one that only accounted for slope steepness, and one based on STRIDE. STRIDE (right, red) reused established paths as long as possible before branching off, identifying the routes most intuitive for somebody on the ground. The slope-only model (left, blue) generated few overlapping pathways with little regard for roads or trails. Credit: Scientific Reports (2024). DOI: 10.1038/s41598-024-71359-6

You’re a hotshot working to contain a wildfire. The conflagration jumps the fire line, forcing your crew to flee using pre-determined escape routes. At the start of the day, the crew boss estimated how long it should take to get to the safety zone. With the flames at your back, you check your watch and hope they were right.

Firefighters mostly rely on life-long experience and ground-level information to choose evacuation routes, with little support from digital mapping or aerial data. The tools that do exist tend to consider only a landscape’s steepness when estimating the time it takes to traverse across terrain.

However, running up a steep road may be quicker than navigating a flat boulder field or bushwacking through chest-high shrubs. Firefighters, disaster responders, rural health care workers and professionals in myriad other fields need a tool that incorporates all aspects of a landscape’s structure to estimate travel times.

In a new study, researchers from the University of Utah introduced Simulating Travel Rates in Diverse Environments (STRIDE), the first model that incorporates ground roughness and vegetation density, in addition to slope steepness, to predict walking travel times with unprecedented accuracy.

“One of the fundamental questions in firefighter safety is mobility. If I’m in the middle of the woods and need to get out of here, what is the best way to go and how long will it take me?” said Mickey Campbell, research assistant professor in the School of Environment, Society and Sustainability (ESS) at the U and lead author of the study.

The authors analyzed airborne Light Detection and Ranging (LiDAR) data and conducted field trials to develop a remarkably simple, accurate equation that identifies the most efficient routes between any two locations in wide-ranging settings, from paved, urban environments to off-trail, forested landscapes.

They found that STRIDE consistently chose routes resembling paths that a person would logically seek out—a preference for roads and trails and paths of least resistance. STRIDE also produced much more accurate travel times than the standard slope-only models that severely underestimated travel time.

“If the fire reaches a firefighter before they reach safety, the results can be deadly, as has happened in tragedies such as the 2013 Yarnell Hill fire,” said Campbell. “STRIDE has the potential to not only improve firefighter evacuation but also better our understanding of pedestrian mobility across disciplines from defense to archaeology, disaster response and outdoor recreation planning.”

The study was published on Sept. 13, 2024, in the journal Scientific Reports.






Credit: University of Utah

Airborne estimates of on-the-ground travel

STRIDE is the first comprehensive model to use airborne LiDAR data to map two underappreciated factors that inhibit off-road travel—vegetation density and ground surface roughness—as well as steepness. LiDAR is commonly used to map the structure of a landscape from the air, Campbell explained.

A LiDAR-equipped plane has sensors that shoot millions of laser pulses in all directions, which bounce back and paint a detailed map of structures on the ground. The laser pulses bounce off leaf litter, gravel, boulders, shrubs and tree canopies to build three-dimensional maps of terrain and vegetation with centimeter-level precision.

The authors compared STRIDE performance against travel rates gleaned from three field experiments, in which volunteers walked along 100-meter-transects through areas with existing LiDAR data.

“Getting travel times from a variety of volunteers allowed us to account for a range of human performance so we can make the most accurate predictions of travel rates in a diversity of environments,” said co-author Philip Dennison, professor and director of ESS.

The first field trials were in September of 2016. At the time, LiDAR datasets were relatively rare in the western U.S. Over the last decade, the U.S. Geological Society has developed LiDAR maps covering most of the country.

“When we first started looking into wildland firefighter-mobility a decade ago, there were lots of people studying how fire spreads across the landscape, but very few people were working on the problem of how firefighters move across the landscape,” said Campbell, then a doctoral student in Dennison’s lab at ESS. “Only by combining these two pieces of information can we truly understand how to improve firefighter safety.”

That study, published in 2017, was the first attempt to map escape routes for wildland firefighters using LiDAR. The second trial took place in August of 2023 in the central Wasatch Mountains of Utah to capture a wider set of undeveloped, off-path landscape conditions than did the first experiment, including nearly impassibly steep slopes and extremely dense vegetation.

The final experiment was in January of 2024 in Salt Lake City to test the STRIDE model in an urban environment. In total, about 50 volunteers walked more than 40 100-meter transects of highly varied terrain.

Model for estimating on- and off-path walking travel rates with unprecedented accuracy using airborne lidar data
Volunteers were timed walking 100-meter transects chosen to represent off-path landscape conditions, including nearly impassibly steep slopes and extremely dense vegetation. Credit: Utah Remote Sensing Applications Lab

Putting it together

The study compared STRIDE against a slope-only model to generate the most efficient routes, or the least-cost paths, in the mountains surrounding Alta Ski Resort in the Wasatch Mountains, Utah. Geographers and archaeologists have been using least-cost path modeling to simulate human movement for decades; however, to date most have relied almost exclusively on slope as the sole landscape impediment.

The authors imagined a scenario in which emergency responders are planning to rescue an injured hiker. From a central point, they chose 1,000 random locations for the hiker and asked both models to find the least-cost path.

STRIDE chose established roads around the ski areas, followed trails and in some cases major ski slopes, to avoid patches of forest or dense vegetation. STRIDE reused established paths as long as possible before branching off, reinforcing the idea that STRIDE identified the routes most intuitive for somebody on the ground.

“The really cool thing is that we didn’t supply the algorithm with any knowledge of existing transportation networks. It just knew to take the roads because they’re smoother, not vegetated and tend to be less steep,” said Campbell.

In contrast, the slope-only model had few overlapping pathways, with little regard for roads or trails. It sent rescuers through dense vegetation, dangerous scree fields and forested areas.

The authors believe that STRIDE will have an immediate impact in the real world—they’ve made the STRIDE model publicly available so that anyone with LiDAR data and gumption can make their work or recreation more efficient, with a higher safety margin.

“If you don’t consider the vegetation cover and ground-surface material, you’re going to significantly underestimate your total travel time. The U.S. Forest Service has been really supportive of this travel rate research because they recognize the inherent value of understanding firefighter mobility,” said Campbell.

“That’s what I love about this work. It’s not just an academic exercise, but it’s something that has real, tangible implications for firefighters and for professionals in so many other fields.”

The authors recently used a slope-based travel rate model to update the U.S. Forest Service Ground Evacuation Time (GET) layer, which allows wildland firefighters to estimate travel time to the nearest medical facility from any location in the contiguous U.S. Campbell hopes to use STRIDE to improve GET, allowing for more accurate estimates of evacuation times.

More information:
Michael J. Campbell et al, A singular, broadly-applicable model for estimating on- and off-path walking travel rates using airborne lidar data, Scientific Reports (2024). DOI: 10.1038/s41598-024-71359-6

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University of Utah


Citation:
Comprehensive model uses airborne LiDAR data to predict walking travel times with unprecedented accuracy (2024, September 16)
retrieved 16 September 2024
from https://phys.org/news/2024-09-comprehensive-airborne-lidar-unprecedented-accuracy.html

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Researchers find evidence that bumblebees make the same memory errors as humans

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Researchers find evidence that bumblebees make the same memory errors as humans


bumblebees
Credit: Unsplash/CC0 Public Domain

Psychologists at the University of Stirling have carried out research that shows wild bumblebees make the same memory errors as humans.

The paper, titled “The constructive nature of memories in insects: bumblebees as a case study,” was published in the Philosophical Transactions of the Royal Society B: Biological Sciences.

When presented with a variety of stimuli, the bumblebees were found to misremember, a key component of the episodic memory system which many psychologists argue is uniquely human.

The wild bumblebees were presented with colored objects soaked in sucrose, such as an orange strip of paper or a yellow, rounded paper stick.

After a short period of time, the bees were presented with four objects—one which was presented previously; one made up of two of the features of the objects presented previously; one with only one feature of the objects presented previously; and a completely new object.

Episodic memory

The bees then selected one of these objects by exploring it with their antennae or proboscis. Across a range of randomized trials, the bumblebees often remembered to go to the original object to seek out the sucrose, but they also made mistakes by selecting a similar stimulus of a different shape or color.

The bumblebees made the same mistakes that humans make in similar tasks. These memory errors are characteristic of a type of memory argued to be uniquely human, episodic memory—the ability to remember past events, for example our recent holiday.

Dr. Gema Martin-Ordas, who carried out the study at the University of Stirling, said, “In humans, the recombination processes that are critical for memory recollection are argued to make memory prone to errors that arise from mistakenly combining elements of stored episodes.

“In this context, memory conjunction errors are usual forms of memory distortions, and the results presented here show evidence of bees spontaneously making memory conjunction errors.

“If conjunction mistakes made by bees in the present studies indeed arise from erroneously merging elements of the to-be-remembered items, then one would be tempted to conclude that bees’ memories are also constructive.

“It is completely plausible to expect that these types of errors are present in bees because their natural lifestyle involves encoding and retrieving features from several stimuli, for example flowers.”

Constructive processes

The experiments involving 50 bumblebees were conducted in June and July 2022. The objects were presented to bees housed in transparent plastic tubes, and all of them were released back into the wild.

Dr. Martin-Ordas, who is a senior lecturer in the University of Stirling’s Faculty of Natural Sciences added, “The findings tantalizingly suggest the presence of constructive processes in bees’ memories, although more research is needed.

“Memory error paradigms, like the one presented here, offer an interesting avenue of research to examine episodic memory from a new approach, since constructive processes can be used to combine and recombine elements of past events to imagine future ones.

“The comparative field of episodic memory is, therefore, ripe for being taken beyond our established paradigms and old debates, and into a more mature and constructive phase.”

More information:
Gema Martin-Ordas, The constructive nature of memories in insects: bumblebees as a case study, Philosophical Transactions of the Royal Society B: Biological Sciences (2024). DOI: 10.1098/rstb.2023.0405

Citation:
Researchers find evidence that bumblebees make the same memory errors as humans (2024, September 16)
retrieved 16 September 2024
from https://phys.org/news/2024-09-evidence-bumblebees-memory-errors-humans.html

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