Hello everyone, welcome to NPTEL course on rural water resource management. This is week 9, lecture 4. In this week, we have been looking at options to manage rural water resources through engineering ways. More importantly, we looked upon dams and check dams for the surface water and for the ground water, we looked at managed aquifer recharge, especially artificial recharge through engineered aspects. We looked at some schemes in general, but today we will be looking at methods based from the MAR book that I have shared last time. I hope you could search the book and get it. Please use it for understanding about the managed aquifer recharge programs. As per the International Association of Hydrologists, which is also where the book is being published, we could see that not one specific structure is needed in a larger scale, but you can have multiple different methods to attain rural water management. If you look here, you have check dams on one location and if you look at the entire stream, you have multiple check dams along the stream, which is something I said about cascading check dams. So you have cascading check dams and one large small check dam, which is bigger than the smaller check dams and what it does is it stops the water, stores it. Now you could see that the volume is increasing. So from the watershed, the water is flowing towards the stream outlet or river outlet and you could see that wherever the check dam is placed, you have a volume of water which is being created and from there there will be lift irrigation and other schemes, but the surface water has definitely been improved. Then part of the water goes down as ground water recharge, which is also part of your management activity. Then we also have storage ponds along the river network. So there are two things. One is away from the watershed or the farthest part of the watershed boundary, what can you do and along the river, what can you do? So along the river, you could have storage ponds for bank infiltration where a pond is placed, water is sent and then the water recharge happens. Also the pond can serve as a surface water storage pond. We looked at this in the UTFI and then we also have aquifer storage and recovery in the deep aquifers and then recharge into the confined and unconfined aquifers. But we'll just look at mostly where you have other networks to capture rainfall, capture stream flow to store in the rural resources. So you can also see rainwater harvesting in the rural villages can be done. Leakage from pipes and sewers are taken where water leaks from pipes in the sewage system. Those can be recharged into the groundwater indirectly and also most importantly, you have a recharge basin or large dams inside your boundary of the river. Here since it's a rural setting, you only see small, small structures and we will get into the specifics of each structure in the coming slides. Let's look at some of the examples of the book. So this diagram is also taken from Gain which is the MIR book and you could see that all these systems have been used for increasing the groundwater recharge in the rural village and also the surface water storage. Now let's look at each one by itself, manage aquifer recharge. So even though it is for groundwater, there are some surface water storage also happening in these structures. So let's see how they happen. The first one is the farm ponds. What you see here is taken in the Maharashtra area where you could see that from the hill slopes. The picture is taken from top of the hill and on one side of the hill where there is good rainfall occurring. You could see that the farmers have been big ponds, farm ponds. So all the water which comes as runoff would go into these farm ponds and then recharge occurs. Also, the farm pond can store the water for a long time. So maybe a month or two after the monsoon which can be used for irrigation. So it captures runoff by storing the water in these ponds and you see that it's not only one.  The surface water also goes into the groundwater if the pond is not lined. In some areas you have plastic sheets under the pond. This prevents the water from infiltrating but it is mostly used as a surface storage like a swimming pool. In a swimming pool you don't see water going down. It is stored like a surface water body. So that is what it means. If you line it up, then it acts as a storage tank. High evaporation loss. There is a lot of evaporation happening. You can arrest the recharge by putting a plastic sheet under the bed but how do you arrest evapotranspiration? Evapotranspiration is losing of water to the atmosphere and it goes through mostly evaporation because it is the open surface evaporation. There could be some plants like water hyacinth and other things inside the water which can transpire but mostly it is evaporation. So even though there is good positives, there are a couple of negatives which you should take into account when discussing about farm ponds. Some people what they do, they put trees around the top trees around the farm ponds so that the top area would give a lot of shade, the canopy we call it. The branches would give shade to the ponds thereby reducing the evaporation. However, the trees can also take water because trees also need water to grow. So there is a give and take and depending on that these farm ponds are made. The next method the book describes is percolation ponds for deep aquifer recharge. So it is like a check dam. So a small barrier which is placed along the river or stream network or canal and the bottom of the layer, bottom of the check dam is layered with gravel and other materials which has higher infiltration rate. Thereby water would go faster down into the deep aquifers. So small barriers to promote groundwater recharge similar to farm ponds without lining and also it has materials to enhance the infiltration and percolation rate. Remember the farm pond can be acting as an infiltration pond which means water stores and then water is released also if it is not like water is recharged to the groundwater. But if it is put a plastic dark it is not allowing water to recharge. The next one we are going to see is the sand dam. Just look at how the sand dam has been constructed. You have a barrier which is this one along the slope of the hills or along the slope of the riverbed where you have water flowing. It could be a stream flow or it could be the runoff along where the runoff happens. What does this dam do the sand dam? It is filled with sand already. It is not sediments. It is sand which has high infiltration and percolation rates. So what happens is when this water comes in it actually flows into the sand because of the porous space and stays there. So it is a wet sand. It does not really release water to evaporation much on the surface here but underneath the surface the water is in still good amount. So the idea is you cover sand and silt along the dam so water is slowed down.  So you see here that they have put a pump and using it out during the lean season. So compared to the farm punks it has less evaporation. However the storage volume is also less because part of the volume is stored with sand particles. As I said the infiltration pond which you see on the top it is isolated ponds for shallow aquifers. It deals only with the shallow aquifer where on the bottom you do not do any change. You can just dig it up and then make sure that water is stored and it has space contact, contact with the ground and the ground slowly infiltrates the water to the aquifer. Since only infiltration we're talking about this is for shallow aquifers and also to increase soil moisture in the rural setting. Remember that soil also plays a big role in water resource management in rural areas because water gets stored in the soil the soil moisture goes up and that is what supports the plant life. You need the holistic picture not just dams not just groundwater also soil trees plants etc. So the infiltration ponds capture enough. It could be as simple as if this is your land okay a slope and then there's a land. You could put a pond along the slope where water can just accumulate like the picture I showed in the previous slide or it can be channelized into a small area and then you put the water in channel means you collect the water into small canals or channels and then you put the water inside the pond. Basically collecting the water and putting it and the third is as usual you have a river flowing and along the river you can put a pond and the water can be shuttled into the pond. So there are many many ways you could bring the water into the pond. What happens in the pond is that it captures the water and slowly the water goes down as the groundwater recharge. There's also water loss as evaporation on the top. Too many may reduce stream flow. So if you do put too much overdo it it may reduce the net flow because you're capturing water everywhere and what water can go into the stream. So you have to leave some water to go into the stream. If you capture everything then there is no water for the stream all the water is in storage. Injected recharge. This is similar to the UTFI we looked at in the previous day lecture 3 but here what happens the water is pushed inside using a pump. How a pump can pull water? Similar way you can make the pump to push water inside an aquifer but brutal force and that force can push water from streams and or flood plains or even a pond. It can take the water from a pond and push it into the aquifer. So it is called an injection well which connects the pump into the aquifer and directly the water goes into the aquifer. There's no slowing down no delay for percolation or infiltration because you are already making sure the water is clean. You take the water with the pump and push it inside. It can reduce floods but energy intensive. In some countries you would see where it is very very flood prone. However, if the country is rich and has enough money they would keep on pulling the water from the ground and shunting it or putting it somewhere else through pipe networks. So the idea is if you have energy you could still take the flood water reduce it by sending the flood water somewhere else or putting it into the ground. You don't have groundwater floods. You can have groundwater creating a flood. For example, if the groundwater is too much all the soil is full of water then infiltration doesn't happen. Then all the precipitation converts into runoff which can lead to a flood. But aquifer would resist. After one point if you keep pushing it cannot take water it will just resist. You cannot push water through a rock. So it will resist. At that point is also to be taken into note when you do injected lead charge. And the last but not the least in this slide is the rainwater harvesting. Remember that rainwater harvesting has been made mandatory in many urban cities in India. Example in Chennai if you want to build a new house or an apartment complex etc. The rainwater harvesting plan has to be identified along with the plan of the house. All of it has to be approved together. You don't say that no no I'll build the house and then I'll put the rainwater harvesting. That is not accepted. Why? Because the rainwater harvesting is to be included in the design. Otherwise you will just make some storage unit which is not a rainwater harvesting but just channelizing the water into one location. So what is rainwater harvesting? What does the name harvesting mean?  Similarly here you collect the water from the rooftops and other land locations in the rural village and put it into storage tanks or groundwater. The storage tanks which I've seen in some of the villages are like the plastic ones called like the syntax ones like a drinking water can pick big ones and the water stores there for a long time and then they take it out, clean it and use it. At least for bathing, washing you can use. Normally rainwater is good but while you're collecting in the rainwater harvesting method some impurities can come. There are some places where rainwater is caught and put inside a subsurface tank where it recharges. So this figure from the book beautifully captures both the scenarios. On the left you see that rainwater is coming, water is being harvested, collected here into a storage tank. Now the house has the storage tank which can be used for simple works like flushing. Flushing also needs water so maybe that is used for flushing. On the other hand on the other side of the roof you see water hitting and going into the collection chamber. Here the collection chamber is inside the ground and that is where water is being put and after some time water recharge happens you can see the groundwater table increasing thereby collecting the water and putting it into the groundwater aquifer. Rainwater harvesting is most popular in urban India but things have to move to rural also these technologies because a lot of benefits have happened for the urban centers because of rainwater harvesting. And slowly the rural villages also are getting toilets and other facilities which requires more water. It can be practiced in rural regions, the roof to aquifer so you can connect the roof water to the aquifer. Only one concern is the housing may not be the same as an urban setting whereas a lot of concrete is used and also pipes are there to easily connect whereas in a rural system it might be different. The roof might be attached, the roof might not be good to collect rainwater or pipes to be put. Roof to storage tanks is also available as I show here which can be used for different aspects. I have known in villages some villages they would collect rainwater in big drums and use it for cooking. They'll just keep it in the open and the water is very clean in villages because the atmospheric pollution is less so the water would be clean. So they'll take it directly and then boil it and use it for cooking. Whereas in urban centers we don't do that but mostly it can be used to recharge the groundwater and the groundwater can later be used for cooking, drinking and all the other aspects. Most importantly you should look at both surface and rural groundwater resources because both are important. In these examples other than the injected well the examples that I've shown today you could see that you collect the water first in a surface storage. So A you are increasing the surface rural water resources then you are also pushing the water into the groundwater through infiltration, percolation or induced recharge which is also helping the groundwater network. So it's one water which comes from precipitation. You collect it in two different chambers. One is your surface storage and then the next one is the groundwater storage but both have to be improved. While these have been very successful in urban settings there are limitations and need for future directions. Let's see what are the limitations. First, exact impact of not quantified or qualitative all these are terms that you could use without numbers. You can say that groundwater recharged well. The groundwater is good quality but there's no number. So that is where qualitative stands but you would need to justify it with numbers. You should say the groundwater quantity increased by 10% from 5 liters to 10 liters or you could say that the groundwater quality is good because the nitrates are low below the WHO standards those kind of things. pH is more basic around 6.5 to 7. Something you should tell why these are better. One size fits all approach. The first point I think we should still debate that why is it hard to quantify because there's no data. I gave you this in lecture 6 or 7 where you looked at the issues in water management and data issue is a big issue because it's expensive and other reasons are there. Now you're talking about a decentralized approach where there is no agency to monitor the data, to post the data or to give the data to the public. There's no budget. In that case, it is very hard to quantify. So that is the first reason and not much interest to quantify the impact. They just want to do it. There is a one size fits all approach which happens. I can mention that there is a project done by Mr Rajendra Singh who built a lot of series of check dams and revived rivers. Now does that work in every location on India? No. There are some technicalities and suitabilities of the model which cannot be replicated easily that other ways. It cannot be easily used for other reasons. So that we need to be very careful about. So there's no one size fits all. Each size is for a particular person or particular member of the family. Same way, one size does not of one type of check dam cannot be suited for all applications. That is what is happening in most of these states where they say, oh, it worked in Tamil Nadu. It should work in Odisha. Bring the model and put it down and the model will fail. The model as I said, the method as more and more. So that is where we need more scientific validation data and then show if the one size can fit all or not. Since all the failures have been reported, we can definitely say that one size fits all does not work. It is more quantity, quality or both. So all these mayors, are they talking about quality or quantity or both? Please have this understanding of any water project that you look at. Is it only talking about quantity? Is it talking about quality or both quantity and quality? What is the return of investment? As I mentioned, the check dam is not as big as a large dam. However, a check dam is still expensive, somewhere 4 to 5 lakhs. You start and it can go to 15-20 lakhs depending on the length, depending on the height and where you're putting it. Is it easily accessible to materials or not? The return of investment is how much you put the budget and how long you're going to need to take the profit to earn the budget. For example, I say 5 lakhs for a check dam. I give it in 2020. If I get 5 lakhs worth of profit in 2022, then I'm getting the return of the investment in 2 years plus or minus your interest. But most importantly, the return of investment should come back. So how do I show the return of investment as profit? Because the 5 lakhs has been spent in building the check dam. Now I have to show that because of the check dam, there has been an increase in groundwater and because of groundwater increase, I have more sugar cane and that sugar cane profit is more than 5 lakhs. So this is how the return of investment is calculated. Blockage encroachment of channels everywhere. Unfortunately, there is a lot of blockage of waterways and so that where these programs would fail. For example, you can have a village farm pond. You can have a groundwater recharge pit. But if water is not flowing through it, then how do you get it? Initially, there was water and water was flowing into it. But now the channels are being encroached. Encroach means they would take the land and put a house or a car shed, for example. They fill the canal and put something, a building on top. Because the canal land is the government land. They'll just take it up. Some public people, I'm saying.  So what can be done? Same as earlier I discussed in the capacity building and other things. Maintenance frameworks have to be worked upon. We have to discuss frameworks of maintenance. The cost and ownership has to be brought into account on May 1 when the project is on. We'll bring the ownership later. Let the stakeholders debate and if they want it, they have to take part in it. And capacity is more important also. You need to train everyone regarding the use of new science and technologies for water resource management and never overdo it. As I said, if it is okay in one location, it may not be okay in all locations. With this, I would conclude today's lecture. I just will show you this paper to be discussed in the next section, where we have multiple different methods and to study the return of investment and how these things work. I will start with this from the next class. Thank you.


The Columbia broadcasting system presents yours truly, Johnny Duller. The next half hour has its baggage packed to take a trip with America's fabulous freelance insurance investigator, Johnny Duller. At insurance investigation, he's just an expert.  Expense account submitted by special investigator Johnny Duller. To home office, honesty, life insurance underwriters, terminal building Hartford, Connecticut. Attention, Austin Farnsworth, general manager. The following is an accounting of my expenditures in the investigation of policy holder Milford Brooks III for your company. Expense account item one, 75 cents, cab fare to your office and answer to your original hurry call. Tip to driver, one dollar. Expense account item two, 25 cents, shoe shine. You remember, I got my shoes scuffed when I unsuspectingly walked through the private door to your office. Duller, grab him. He's trying to jump out that window. Let's go.  I'll show you. Oh, no, you don't do this. Hey, let me call you. Get away. I had a nice try, sonny boy, and I'll pay attention to teacher. No. Class dismissed. Well, Mr. Farnsworth, why didn't you tell me what you had waiting for me? I had to warn my boxing gloves. Duller, this was all a complete surprise to me. Well, just in case you're a little chum on the floor, there wakes up in a hurry. I think I'll close the window. Now, my goodness, Duller, what are you doing? I'm sitting on his head. I don't care if this guy tries killing himself again. I just don't want him to try and kill me. After all, we haven't even been introduced. Duller, that happens to be one of our largest policy holders. His life is insured with this company and the amount of two million dollars. Oh, now I can see why you're so anxious to keep him from putting a dent in the sidewalk. Precisely. He'd also put quite a dent in your company's bank account.  Maybe. Now, tell me, what's this guy's name and what's his story? That, sir, is Milford Brooks III. As I said, we have him insured for two million. His mother and father left him with a paid-up policy for the sole purpose of enabling his heirs to pay the inheritance taxes on his estate when he dies. Unfortunately, due to the kind of life he's been leading, Brooks not only hasn't any heirs, he hasn't any money. He blew all his cash? That's right. Now he's trying to get some out of us by threatening to kill himself. And that policy pays off on suicide. In a mortuary, he'd be a millionaire, huh? Please, Duller. Sorry. Go on. One half hour ago, Milford walked into this office and changed the beneficiary in his policy. When that was done, he proceeded to demand, not request, mind you, five hundred thousand dollars in cash. Oh, sir, that's quite a touch. When I explained to him that there was no loan provision in his insurance policy, he threatened suicide. He said I could either give him the half million cash or pay off the two million on his policy. So all you have to do is to keep him alive. And he's managed to make that no small problem. The man he named as his new beneficiary, just before he made his demand for the cash, is well, it's downright frightening. Why? Who is it? One of the most notorious gamblers in the east. His name is Hatcher. Harold Hatcher. Oh. You know him? Yeah. Say, that kid's been a post-arvest pin-up boy for a lot of years. Well, there's the situation, Duller. I'm engaging you to protect Milford Brook's future. Yeah, what there is of it. The way this lad operates, you think he had but two lives to give for his country. He's not only set himself up to get knocked off by somebody else, he's just dying to do the job himself. Well, it just means that you'll have to work twice as hard. Oh, it also means something else. What's that? That you'll have to pay me twice as much money.  The situation demands sacrifice, I'm afraid. But to protect the boy, Duller, give him something to live for and interest in life. Let's see. I know. Here. This should help. What's that you've got there? It's what's commonly referred to in the more successful bachelor's circles as my little black book. Now, let's see. Ruby? Now, her favorite expression is drop dead. Bernadine? Now, she'd be the new beneficiary by midnight. Oh, here's one. Here. Hey, Farnsworth, would you mind passing me that phone, the one with the long cord? No, no, not at all. My little friend here is showing signs of life. Here, here you are. Maybe you should let him breathe a bit more. Ah, don't worry. He'll be all right. Hello? Hello, I want to call New York. Person to person. Miss Theodora Butts. Yeah, that's right. And you'll get her at Hudson 2-4292. Duller, you're not thinking of taking this boy to New York, are you? Well, I'm going there myself and you want me to keep an eye on him, don't you? Don't fret, Farnsworth. All is not lost. You do worry me, sitting on his head that way. Hello? Hello, Butter? Butter, this is Johnny Dollar. I'll be in town and I don't want to see you. Look, here's what I want you to do. Yes, yes, this is all right to say over the telephone. I want you to reserve a table at the hatchery in my name for 10 o'clock tonight. Will you do that? Okay, I'll see you in a few hours. Huh? But I can't make it any earlier.  Okay, goodbye. I'm not sure that I agree with your methods. What's the matter, Dollar? Did he hit you? Hit me? No, he bit me. Expense account, item three. Liquor, $18. Keeping Milford Brooks the third peaceful seemed to be the immediate problem. And a bottle of rare old brandy seemed to be the immediate answer. I poured most of it into him, loaded him into my car, and we headed for New York. As we passed through New Haven, he opened one eye, looked up, saw the ale bowl, and gave three cheers for old Eli. Oh, look, look, look. Yeah, all right, all right, all right. Old Yale would sure be proud of you. Why anybody would want to insure you for $2 million is more than I can figure. Well, my daddy loved me very much, and my mother loved me very much. Not only that, but I love somebody very much. And not only that, but I hate somebody very much.   Yeah, lover boy, it's cocktail hour again. Time for your bottle. Rolling along the Merritt Parkway, I felt very much alone with my own thoughts. And believe me, they weren't very pleasant company. The way it stacked up for me, Brooks had built up a fat gambling debt to Harold Hatcher and had been forced to make him his beneficiary. The suicide threat that he was holding over Honesty Insurance Company was a little tougher to figure, unless he was trying to finance a trip for himself to get away from the man with a custom tailored murder motive, Hatcher. My hungry little mind nibbled away on those unsavory morsels of food for thought all the way to Butter's apartment. Where are you taking me? I want to go to New York. If you don't behave, Buster, I'll punch your ticket. Johnny, darling, welcome to New York. Fastest trip I ever made. Quiet. Well, where did you find this? In a box of crackerjacks. Come on, let me in. Oh, I don't know about you, Johnny. Some men bring me flowers and some bring me candy. What do you bring me? A boiled owl in a Brooks Brothers suit. Oh, I'm pleased to meet you. My name is Brooks, but I haven't got any brothers. Lucky them. Fix the pillows on the couch, will you? Look more at home in the bathtub. Come on, Buster. Lie down. Oh, I'm choked. This kid's liquor sure can hold him. He's passed out. How long have you been playing nursemaid to this bottle, baby? Leave me into the bar, sweet. Let's get away from this buzz saw. I'll tell you all about it. Sure, come along. Horrible examples don't seem to bother you, do they? If you knew how that guy's been bothering me. What do you do to him? Oh, let's just say he put the bite on me. Oh, the river sure does look pretty tonight. Like a brandy? Well, anything but. I've been sniffing that second hand all the way from Hartford. Oh, make it a brow root beer. Hey, butter. See that big boat out there? Mm-hmm. I sure would like to be on it with you. Sailing off to faraway, romantic places. Get with it, darling. That's 125th Street Ferry. Here's your root beer. Come on now. Tell Butter all about it. First things first. Now that I've got a dad's old-fashioned root beer, how about giving me one of Mom's new-fashioned kisses? And then I'll tell you all about it. A few seconds later, I proceeded to tell her all about it. And it wasn't easy. Everything about her kept flagging down my train of thought. She was a sympathetic listener to my story until I gave her the answer to her first and only question. Where do I fit into all this? Well, baby, I thought you want to stud. My job is to give the poor, misguided boys something to live for. That's you. Well, he should live so long. Now, butter, wait a minute. Well, don't butter me. Now, don't get excited now. You misunderstand. I really mean it. I thought if he just got a look at you, realized that things like you exist, you'd make any man glad to be alive. If you can't stand it, I'll take him away. But I sure need you, butter. Come on, baby. Melt a little. I wouldn't let you get hurt. You know that. Did I hurt you? No, I'm getting used to it. People have been taking pokes at me all day. I'm sorry. Oh, that's better. Want some more root beer? Uh-uh. I want some more of you. How about another kiss? Well, help yourself. Don, I'll get it, Johnny. Okay. And if a man answers, hang up with him. Oh, don't worry. Hello? Yes, this is Hudson 24292. Well, that depends. Who's calling? Oh, just a moment. It's for you, Johnny, of Mr. Farnsworth. Huh? Oh, okay. I'll take it. Thanks. Say, uh, while I'm talking, be a good girl, will ya? And take a look at Milford and the other room. And while you're at it, get me in the root beer, huh? Oh, sure. The service is good, all right. Hello, Farnsworth? Yes, dollar. I'm glad I got you. How'd you get this number? It's the one you called from my office. I remembered it. I have a photographic mind. I hope you haven't got a picture of what I'm thinking. What do you want? I want to know how Milford is.  Of course he's alive. Good, good. Do you suppose I could talk to him? I mean, do you think he'll talk to me? Well, the last time I saw him, he was sound asleep. I'll take a look. Hold the phone. A butter. Hello, Farnsworth? Yes, yes. Do you have any aspirin there at your house? I have coarse dollar. Why? Well, you better take a handful. Milford Brooks III just took a powder. I'll call you back. You let anything happen to him and you'll need the aspirin. I've already got a headache. When Milford left, he took my girl with him. In just a moment, we'll return to the second act of yours truly, Johnny Dollar. But first, we want to remind you that it was 437 years ago, next Sunday, the famed Spanish explorer, post de Leon, began his search for the fountain of youth. By sheer coincidence, the man who's still looking for it, Jack Benny, will be heard on CBS next Sunday at 7 o'clock Eastern Time. Now, back to yours truly, Johnny Dollar. Well, nobody could say I wasn't working fast. I'd only been in town for an hour and I had already succeeded in not only losing your $2 million baby, Milford Brooks III, Mr. Farnsworth, but in losing my $2 million baby, Theodora Butts. I tried to put myself in Milford Brooks' $40 shoes but they wouldn't fit. You can't outthink a maniac. The best I could do was figure either that he was on his way to commit suicide or that Harold Hatcher, the man who now stood to collect $2 million in the event of Milford's death, had snatched him out of Butters' apartment. With birds of that type flocking together, Butters stood a good chance of being a dead duck. I spent an hour unsuccessfully shaking down the neighborhood for them. I questioned cab drivers, harness bulls, spar tenders. Then I decided to ask for help from higher up and I don't mean that I said a prayer. Expense account item four, five cents, phone call. He said quarters. Give me missing persons. Any particular one. Don't be a wise guy, Lieutenant Fisher. Hello, Dollar. What did you lose? Practically everybody. Let's start with a girl. Theodora Butts. You mean you lost your girl? Why don't you call Dorothy Dix? Don't waste time being clever. Just check your reports, will you? Hold on. Okay, well try this one. Brooks, Milford III. Bullseye. Brooks, Milford III. He hasn't been reported missing and we haven't found him yet. But we think we know where he is. Oh, this kind of a question I always hate to ask. Where? The Hudson River. At 11.15 tonight his top coat complete with identification was found taking a ride on the 125th Street ferry. Anything else? Nothing much. Package of matches was found under the coat monogram. You don't happen to know anybody whose initials are HH, do you? HH? Well, it's always Horace Hype. Thanks, Fisher. I'll check back with you later. I'll be here. Expense account item five, nightclubs, $28. Harold Hatcher's hatchery was in a cellar under a hotel but the prices were high enough to rate a penthouse. The club was draped in too much satin. It's lady customers and too little. The decor was French provincial, music, Brazilian, and the food was nowhere. The drinks looked weak and the oiders looked strong. All in all, the joint was a sight for sore eyes, for making them sore. The only pretty thing in the place was a blonde.  She opened her mouth, slid her tongue over a lower lip, and let a few warm, soft words slide out. Looking for someone? Well, we'll do until the real thing comes along. Sit down. Thanks. No, I won't have a drink. My name is Janelle. I understand you're asking about Mr. Hatcher. Yeah, you know him? More than somewhat. Are you Mrs. Hatcher by any chance? I might be. Does that mean you might admit it or that you might talk him into it someday? I'll ignore that. What do you want to see him about? Mutual friends, Milford Brooks. I know most of the quiet clothes boys around here, so you aren't a cop. You don't look like the typhoon to be a society friend of the Brooks family. So what are you? I'll ignore that. Is Hatcher around? He might be. Oh, come on. Where is his office? At the top of the stairs in the back. Can I expect any trouble getting in?  Harold is doing his best to act like an honest businessman these nights. You won't have any trouble. How do you know? Because Harold sent me down here to look you over. I think you're all right. Oh, so I've won myself the good housekeeping seal of approval, huh? Keeping house with you would meet with my approval. I ran for my life at a slow walk across the dance floor. Edged my way through a cluster of tables and went up the back stairs. When I located the door to Hatcher's office, I knocked once and went in. Come on in. Thanks. I'm Johnny Dollar. I've been hired by honesty life insurance underwriters to protect the interest of a guy named Milford Brooks III. What's that supposed to mean to me? You know him, don't you? Well, he isn't exactly one of my boozing buddies. How much money does he owe you? We've got him on the books for a few grand. Why? They picked up his top coat tonight on the 125th Street ferry. He wasn't in it. It might have been a suicide or it might have been a knockover made to look like a suicide. What's your choice? Where do you get off asking me to make a choice? Where were you around 11.30 tonight? What's it to you? I don't know. I just thought you might like to rehearse a few answers. The law will be asking you some questions real soon now. I don't know why I should tell you, but I was driving around in my car getting some air. You better do better than that. They found a match holder under Brooks's coat. It had your initials on it. You're out of your mind. The guy owed me a couple hundred thousand.   Don't worry about it. I know. What about that insurance policy? What insurance policy? Now, look, Hatcher, we're big boys now. We both know that changing the beneficiary of an insurance policy is a legal transaction. That means witnesses. That means it isn't secret. You mind telling me what you're trying to say? That you and the honesty insurance company and I all know that Brooks made you the beneficiary in his policy and that you stand to come into two million bucks when they fish out his body. I don't know anything about it. Motives don't come much bigger. I'm telling you, this is all news to me. You or nobody else is going to move me off that story. I feel the same about mine. It doesn't take a genius to know that Brooks didn't love you two million dollars worth. There's only one logical reason for his making you the beneficiary that I can see. You forced him into it. Who'd believe anything else? Who cares? I'd have to prove it. And, brother, that can't be done. Now, how would you like... Wait a minute. Yeah? Yeah. Thanks for the news. Darling, did you turn me in? Oh, they're here, huh? Yeah. No, I didn't turn you in. What's the matter? You got a good story, Hatcher? You're not worried, are you? Yeah. Have a cigarette. Thanks. Oh, I got to like... Work the first time. Yeah. No, I'm not worried. I'll be out in 48 hours. You'll be lucky if you're out in 48 years. Okay, boys, come on in. The homicide boys invited Hatcher down to headquarters. He accepted and invited them down to the bar for a no-hard feelings drink. They accepted. I walked back down the stairs into the club. The place hadn't changed. Same stale customers, same stale music, same stale air. And the same lovely Janelle sitting at the same unlovely table. Hello. How'd you make out? Oh, I left before they started playing 20 questions. But I wouldn't worry. You've got a smart boy in the bar there. In some ways, maybe. What'd he hand you? A big round zero. Wouldn't talk, huh? About what? Oh, just a little do-dad. A two-million-dollar life insurance policy. Wait a minute. That young Brooks kid? Yeah, that's right. Oh, I knew it. I tried to tell him, but he wouldn't listen to me. Tried to tell who what? Hatcher. Did he get into trouble about that policy? It just looks funny, him being made the beneficiary. You knew about it, huh? I suppose you also know what was behind it. Alfred owed him some money. A lot of money. It's in writing. What kind of writing? It's a personal note that Brooks was going to get back if he made Harold beneficiary. It's up in his office. Hey, you must be awful close to Hatcher. I'm the close, friendly type. I'll have that drink now. You've earned it, beautiful. She had earned it, and I had a hunch as to why. If ever I saw Gal busy putting his skids under her boyfriend, she was. Even if she helped send him up on a murder app, I would have bet a quick 50 that she'd tip him to the police. It's happened before that the boyfriend is the murdering type, and it's a nice, neat legal method of disposal. Janelle had me back up the stairs and into Hatcher's office. I sent her back down to watch the bar to divert Hatcher in case he decided he'd forgotten something. Brooks' personal note made out to the gambler was easy to find, lying neatly in the middle of the top desk drawer. But I found something even more interesting when I went through his wardrobe closet. I began to see a glimmer of light, and then encouraged by not too much thinking on my part, it turned into a veritable bonfire, which I hope wouldn't be too hot for me to handle. Honey, if I were a judge, I'd be ready to sentence a ghillie party. Good. Waiter, the check. Where are you going to the police? Bright girl. I'll see you later. Expense account, item six. Cab fare, $1. Tip to driver, $1. Once out of the hatchery, I walked to the corner, got into a taxi, and waited. In just a few minutes, my favorite suspect came out of the club, jumped into a taxi, and the chase was on. We nuzzled our way through the traffic over to 2nd Avenue and headed downtown. Then he took a right turn on 45th Street over to Lexington and headed uptown. But they didn't lose us. At 72nd, the cab ahead turned right and pulled to a stop. My driver was on his toes, and his toes were on his brake. We stopped too. Half a block behind. You want us to wait? Oh, here you are. Keep the change. There's a garage that belonged to a residence on the parallel street a block away. I made out of for sale sign on one of the big doors. The living quarters upstairs were dark enough to look interesting, so I indulged in a bit of genteel braking and entering. Entering that old barn didn't take much braking. I crept up the stairs. I sounded like they were left over from an old ghost story. And so did the first voice I heard when I stopped halfway up. Oh, we've got to be careful, especially about that Johnny Dollar. Are you sure he didn't follow you? That voice sounded awful dry to be coming from a guy who supposedly had spent most of the night snoozing on the bottom of the Hudson River. It was Milford Brooks III. Get up on your feet, Brooks. Now, wait a minute. I started this thing slugging you. I might as well finish it the same way. Leave him alone. He's mine. Pull in the claws, Angel, and sit on his lap.  Look, I'm the last guy in the world who enjoys physical violence. Give or take. But believe me, you two are coming money close to changing my whole character. Now settle down before I really lose my head.  I should have known better than to get mixed up with a low-class nobody like you. Cut. We've pushed the lady around enough, Brooks. Tell me to be careful. Why didn't you think of that before you let him here?   Neither one of you is exactly what I'd call a mastermind. When you planted that match folder underneath the top core on the ferry boat, you both should have been more careful. You think so. You bet I think so. If I were planning a piece of evidence to incriminate Mr. Harold Hatcher, I would have left a cigarette lighter. I found one in the pocket of every suit he owns. Back there in his closet in the club. It wasn't hard to figure out that that guy never carries a book or matches. What do you want? I'm only interested in one thing. Saving the insurance company $2 million. And Buster, I think you've done it for me. Wait. Look, Dollar, this is insurance fraud. It has been ever since you put on that fake suicide attempt. Trying to extort $500,000 out of the company for you and Janelle. Wait a minute. Wait a minute, Dollar. So much for the company. Now, something a little more personal and a little more serious. Where is my girl? Well, she's all right, Dollar. I couldn't help it. I had to get out of that apartment. She caught me leaving. I had to take her with me. Where is she? Well, I didn't mean to hurt her. I was afraid she'd yell. Are you miserable? I'll tell you where she is, Dollar. I put her in the cab and sent her to the emergency hospital. Yep. Oh, no. No, Dollar, please. Please don't explain. I might give you the beating. Harold Hatcher. How did you get here? New York City, the world's most efficient police force, remember? When they think maybe a guy's jumped off a ferry boat but he's seen them do it, they check the turnstile counters at each end. In the case of Brooks here, as many people got off that boat as got on. Yeah, that makes sense. They'd hardly hold a guy for murder just because somebody else lost a top coat. How'd you know we were here? You know me, Janelle. You never go any place that I don't know about. Okay, Brooks, you felt like explaining now I feel like listening.  I don't know what you mean. I know what you mean, Hatcher.  Why? Well, they wanted to get rid of you and live happily ever after. The big mistake they made was in trying to shake the insurance company down for some ready cash. And you, baby. Harold, please.  No, Harold! Calm down, Hatcher. You don't need a gun around here. They're tame. You don't know me very well, Dollar.  Now these things are really done. Come on, Brooks. No, no, no, Hatcher. You can have everything I've got. For a second, it looked like Hatcher was gonna take everything. But I hadn't gone that far to see Brooks knocked off with me as a witness. Hey, maybe I wasn't gonna be a witness. Maybe I was gonna be a victim, too. When that thought hit me, that's when I flew across the room and hit Hatcher on a do or die flying tackle from behind. Hatcher went down shooting. I went down kicking and a lucky boot knocked the gun out of his hand. I beat him to it and swung his feet into his skull. Half the people in the room are lying there bleeding. Brooks from a gunshot, Hatcher from the gun butt. Janelle and I both stood there panning. But believe me, not for each other. We stood that way until the police arrived. I hate being in the hospital, but I look awful. Butter, honey, you looked lovely and white. This patch on my head?  Oh, that awful man. Well, it'll make you feel any better, baby. That awful man got taken care of. He's upstairs in the same hospital. Well, Johnny, it didn't show you. No, Butter, I didn't have to. Harold Hatcher saved me the trouble. They don't know yet whether Mr. Brooks is going to live or die, but it doesn't make much difference to me. Or to the insurance company. He signed a statement admitting attempted fraud. Serves him right hitting a lady on the head. Johnny, what am I going to do? My hair will look awful. It'll take months for it to grow out. Now, don't worry, Butter. I'll buy you something to cover it up. I know a guy over on Fifth Avenue who claims he makes something that looks prettier on a woman's head than her hair. Expense account item 7. $640. Ladies hats to cover the lump on ladies head. Expense account item 8. $20. Tip to nurse for reminding Butter on the hour every hour that accidents will happen. Expense account item 9. $7. Mileage, driving back to Hartford. Expense account total $1182.23. Which you may say, Mr. Farnsworth, there's a lot of money for one man to spend in a day and a half. But you must bear in mind that the amount at stake was $2 million. And you know the price at stake these days. Signed, yours truly Johnny Dullar. Listen in again next week when CBS brings you Yours Truly Johnny Dullar with Charles Russell as Johnny. Yours Truly Johnny Dullar is written by Paul Dudley and Gildout with music by Mark Warner and is produced and directed by Richard Sanville for CBS The Columbia Broadcasting System.


Our Navy's warfighters defend freedom and democracy around the world. And when logistics IT expertise is required in Port or Sea, Naval Supply Systems Command Business Systems Center is there, solving problems across the fleet with regional support sites in Norfolk, Virginia, Jacksonville, Florida, Puget Sound, Washington, San Diego, California, and Pearl Harbor, Hawaii. We need to get the ships in. We need to get them out. Whatever supplies and services that we can assist with in the IT field, that's what we do. We want the IT equipment on the boat to be running, operational, and useful for the sailors. We never want to be the reason why a ship doesn't go out. And providing support at a moment's notice. We're in the environment where our users are using those systems, so we better understand how they need to be supported. Supporting systems like HicksWin, the hazardous inventory control system for Windows, used by ship's personnel for inventory control of hazardous materials. When Guided Missile Cruiser USS Philippine Sea required last-minute HicksWin service, BSC's regional support site in Jacksonville responded. We contacted NAFSA Business Systems Center in 15-20 minutes. They were there to help us. When San Diego's Point Loma Fuel Depot completed construction, NAFSA BSC ensured fuel operations continuity because the West Coast team was there. If we weren't here to provide that type of direct boots-on-the-ground support, it would have taken us at least two or three months to do what only now took us two weeks. In Puget Sound, NAFSA BSC's regional support site keeps requisitions and inventory moving for the Trident submarines. The over-the-shoulder here is how you fix this so that you can fix it next time. It's invaluable. Invaluable to mission readiness. We get a lot of support from the NAFSA BSC team so that ultimately that readiness is maintained on port ships. And accountability is enhanced. When the first littoral combat ship required better inventory management, BSC's regional support site in Pearl Harbor developed the software that cut the waste. Being close to the customer, they have a good sense for what's important and what isn't. And they have an intellectual curiosity and come up with a concept of operations that's going to drive a solution. BSC's regional support sites maintain Navy mobile computing equipment for FLC warehouses. If a tablet or printer fails, it won't for long. We are local and we can run out and help them if there is an issue instead of, you know, being on the phone with the mobile device management team. And when our sailors relocate, their families count on personal property kiosks to ship their household goods. BSC's regional support sites protect that data. They're going to provide us to support technology-wise that otherwise we wouldn't be able to get somewhere else. Working side by side with the Fleet Warfighter. Very knowledgeable people, the IT stuff, they're good. NAFSA Business System centers regional support sites, drive lethality, and boost Navy readiness by accelerating digital solutions.


And here we have a very cool new smartwatch right here in EFA with it always on display So hi, so who are you? I'm Kevin. I'm from Amazfit and Hi, and who are you? Hi, I'm April from marketing team of Amazfit, and you have another new one right here Yep, so what is this watch? This is our latest model called Strut 3 and this is a special for the sports mode It's got a 1.34 the memory LCD Display has the highest resolution for this one, and we got the 19 different small modes And we even for the battery life for normal usage it can last one week But if you turn on the actual mode it can last for two weeks So ultra long always on display smartwatch. Yes always on What is the system you're using? We are using our own system Amazfit OS. Let's go. Let's go inside You have the booth right over there, and I think that sounds a little nervous No, no, that's great. So So so this watch is also has GPS We got the GPS, Kronos, Kani Neo And also Pato. We got a 4 system. All right So you can you can connect to all of the world on the GPS system for a very long time people go hiking go skiing Of course, it's cool for that option. So 70 hours Continuous GPS Okay, let's go to your booth over there So it's a busy show Sorry, can you explain a little bit? Amazfit you have a very big share right of the market So Amazfit was established in 2015 and We have entered over 60 countries and regions all over the world since we studied overseas markets last year and Last year according to the third-party data. We are already the largest in the world The largest wearable smart technology company One of them. Yeah, no, actually we are largest largest. Yeah, so can you explain a little bit? What are the functions here? What can people do?  Let's put your Can you put your arm right here and can you go in the UI a little bit? Right here So this is the Amazfit OS style right exactly so what is possible to do here everything goes through the app No, so we already have all the function and features over there So it goes through the application on the phone Yes, we offer the both iOS and Angel Angel version the app for the user to download and let's let's go to the to the booth right over here So it's the stratus 3 What is this 5 ATM? So you can go swimming no problem 50 meters is very very deep And 19 sports modes What is the difference between all the different sports modes? There's all the different style of measuring exactly like you run and you take the bicycle you got the different You know the anxiety and the different strengths and the last time right even in like you take a bicycle You can write that for tours but run normally to take a half hour or even one hour So based on your differences kind of a sportivity. We have a different calculation To give you our conclusion how how good is your sports? so This is a very special memory in LCD display. Yeah, I just need to focus on it for a second That's very good to use outdoors or indoors also The light comes on and a nice touchscreen system that you have All different things here You have different levels of front the light and they it turns on by By when you lift your wrist then the light comes on yeah, and this one is this one right here, right? It's a new Yeah Concept watch it's not released yet. Yeah, but this one is that I must be GTS So it's using an OLED AMOLED So you can use this one It's locked so now you can see that this is a special watch face we have prepared for this watch so you can change all the Different Different areas in the watch that you can put what you like on the watch face So you can check maybe weather or the steps or the calories as you have And it's customizable. You have some widgets Yeah, just just like Introduce that you can put on the weather or like a step Homepage and he's customized by the user himself. Where where's the home page? So that's the home page with the where the watch faces She's on the different watch faces So what do you have going on there Here and with this AMOLED display you have up to 10 days Two weeks better life, but not always on right? Just the normal usage situation. All right, and right around here you're talking about Support for Alexa on which which one I must feature verge Yes, Alexa function also for this watch you can make an answer All right, so there you can go in a UI Answer phone calls it doesn't have a It's just connecting over the Bluetooth, right? Yes. Yes. All right. So let's check out your concept. Yeah, which We're on here. You can see it's called I must be to X and it has flex for our AMOLED screen Can we can we take it out to know? Yeah Okay, let's check it out And you can take it out and you can see that actually it doesn't have buttons on two sides We did this design on purpose So this is a flexible AMOLED, right? Yes, and the battery life for now the internal test So this is even better without to there's a lot of light here There's a Looks nice. So long battery life and how soon seven days seven days. It's some other compact concepts going on here or Only this one is a concept watch. What is this about? This is our Chip so this is designed and developed by ourselves and it's called function number one chip So actually from this year we have commercially used it last year. We have designed it So is this in the watch show not yet. It's already in the watch So you make The chipset. Yes, it runs it. Yes, and it's Is it an arm cortex? Sorry, is maybe an arm chipset AI so the AI stuff, right? Okay cool, and the one you're very famous for is The bit right this is the best selling Yes, and this one is a best selling in Q3 and Q4 last year It runs number third in the whole world in the industry because the battery life is up to 45 days And the price is really good. What kind of price is talking about? What's a bit like 59 euros for the beep and then you have a bit polite now. Yeah Okay, so 79 this one is 59 for a bit polite. What is the difference between bit light and bit? Okay So actually a bit blood is a lighter version of beef the battery life is still the same 45 days But for beef light we have a 3 ATM water resistance, but for beef you cannot wait while you are swimming But for beef you can it's built-in GPS for people light is a GPS connected and we have different colors So the GPS is from the phone. Yeah, and there's a GPS inside For beef. Yes, but as you can see built in GPS and it has 24 hour Patriot monitoring a sleep monitoring smart notifications like it's it's just Supplies like the all the basic functions you want it and you already sell millions million sell This UI the system is it similar to the other it's But it's also Android yeah underneath. Yes Alright, so all the same functionality on all your watches. Yes, cool. How does the company know? actually the company was founded in 2013 and But for this brand I must fit it's our self-brand. It's it was created in 2015 Just like around four years All right, and so you will always come with more new interesting smart watch. Yes for the whole world Yeah, I can introduce you another one. Yeah It's called the GTR this one we just launched in August and we've got this award Actually, it's the only wearable product which has got a technical innovation award. So this is a Amoled. Yeah, it's also Amoled screw and also your your software system Yes, and it has two sizes. So we can supply both male and female This one the battery life is up to 24 days And then most of the functionality happens through the app And many things are happening in the app recently We are working on it. Yeah, all right


Hey traders, this is Tosh Bradley. I go by T Bradley 90 in the My Investing Club MIC community. Right now we have a very special holiday discount sale going on for MIC members or anybody wanting to join. We have two hundred dollars off our annual yearly package and we have an unprecedented thousand dollars off our lifetime package and we are raising prices going into the new year. So if you want to take advantage of these discounts, they are only good and only available right now until December 31st. Take advantage. We will definitely, definitely be raising prices soon. Hey everyone, I was sitting here in my office this morning and I thought it would be valuable to share this with you on how I actually go into kind of a theory and test it. And so what I want to catch you up to speed on here is that I am doing a study about the pivot points on large caps. So let me catch you up to speed here really quick. This is the data that I collected from Python and all I have done is sort this data out and what I have done is I have collected the first day data, the volume, the next day after this first day. So I am looking and studying continuation plays much like low hanging fruits and I am studying them for gaps up and gaps down long and short. So I have sorted them out in two categories and let's go back to gaps down here. This little study here is, let me just remove this formula. Okay, so I can go through this. So the data is all here. I have sorted it out. These are all my gaps down. This is the percentage of gaps down. I could average that stuff out if I wanted to. But now I have programmed in the actual pivot points for those stocks. So that formula I collected from Thinkorswim, the pivot point study that we gave everyone. This is that study. So these are the formulas right here. So pivot point R1, R2, R3, R4, S1, S2, and 3. I just followed this stuff right here. And you know, pH is prior high, PL, PLO, PC, prior close, and then so on and so forth. P is the pivot point itself, and so on and so forth. So what I have done now is I have programmed all of these. And what I am going to do is for the ones that open below the pivot point itself, I want to study what the odds are that the pivot point is broken and broken as in to the upside. But what I want to study is if it opens below the pivot point, what are the odds that it breaks that pivot point with meaning? So what I am going to do is I am going to reference this R1. So basically my initial risk, or high of day, new or the total high of day is going to be like, if I am referencing the pivot point, I am going to use the next resistance line at R1. If I am referencing R1, I am going to reference R2 and so on and so forth. So those formulas, all I have done is you start at the pivot point right here like this. And so I think the easiest way to do this is going to be kind of like color code these for you guys, so you can kind of see what I am doing here. So we can, for me, on pivot points I always use, I like a purple like this color like that. That is my pivot point. Resistances, I generally tend to go towards red on those. Or do I have red? Yeah, red. Red on those. So we will go, let us go in shades here. So let me try to get some colors here set up. Just bear with me. In this video I am going to kind of jump around. So a lot of the things I am going to kind of edit out if it is not very useful. So if it seems like the video has skipped forward a lot, don't worry about it. I am just skipping out my mindless jabbering as I go through this and work through it in my head. So I am just going to go ahead and select my colors here. And then S1, S2, S3, S4. Let us go pick a green color. We will go in that green. So these are our supports. These are our resistances. And this is our pivot point itself. And we are referencing the high here. So this is kind of like our reference point. And so let us kind of work through this here. And let me do something so everybody can kind of denote what I am doing here. So there is your columns. And then let me underline all these words so you can see some borders. I don't know, I don't really like the borders. All right, so now you can really see where we are going here. So now we have denoted whether it opens below the pivot or not. But if it opens below the pivot, we get a yes. Okay, so what I want to know is if it opens below the pivot, is that pivot point broken? Okay, so what we have to do is we have to do a logic test. So we have to do if this cell equals yes, then, and this is going to be some monotonous excel. So, but you know, this is valuable stuff if you want to do your own studies and kind of give yourself an idea on whether there is an edge here to pursue or not. That's not what we're, we're not trying to create an algo. We're just trying to define whether there's edge. And whether we should pursue this idea or not. So equals, yes, if that cell equals yes, then we're going to do if, if the high of the day right here, our reference cell is greater than R1, then put a yes. If not, put no. If that is false, do nothing. So we get a no. Next cell, obviously you see the opens below pivot point. And you just kind of have to look at these. Also, the pivot point, was it broken? The pivot point was 75.93. The high of the day on day two is 75.60. Okay, I really don't like how this has read. I just don't like that throws me off. Okay, so this is working. All right, now let's go to a pivot point below. Hey traders, this is Tosh. I go by T Bradley 90 in the my investing club chat. Just wanted to reach out and say if you have any questions about MIC, joining MIC, maybe you're a member already, you have three ways to contact myself personally and through MIC. You can hit our social media. You can hit me through PMs and chat or you can contact us through my email at Tosh at myinvestingclub.com. That's TOSH at myinvestingclub.com. I will get back to you in a timely manner and I'm saying this because I'm here to help and I don't want anybody to be afraid to reach out and ask any question that they have. We are here for you guys. All right, see you guys.


And he didn't show up at the studio. And they called him. He hadn't gone out of bed yet. His alarm hadn't gone off. And they screamed into the phone. They said, you're on the air. And he said, well, how am I doing? Oh, that's wonderful. Now, did that really happen? Yes. Oh, radio. You know, all that talk about the fellow with the kids program and saying minority words and so on. I don't think there was ever a day that something didn't happen on the air in a studio or in a station. There wasn't any tape or anything at the time. Everything was live. More things could. H.R. Gross later at congressman. He did. He was the first newscaster. There were fair trade moves against radio broadcasting news. And our studio just decided they were going to do it. It was our biggest competitor. What am I to expect? 30 seconds. 30 seconds. Just made it. Yeah, I waited for you. I've been bridging like you are. I can stop breathing. So it won't be her on the air. That lovely voice you hear in the background. 10 seconds, mics on. My fellow Americans, just about a year ago, I went on national television to speak of a great national endeavor for our future. An effort by all of us to give the words freedom, fairness, and hope, new meaning and power for every man and woman in America. I spoke to you about what we must do to transform a tax system rotting from unfairness and complexity, a source of unending resentment and envy into one that is clear, simple, and fair for all, a system that could no longer run roughshod over Main Street America, but would ensure your families and firms incentives and rewards for hard work and risk-taking in an American future of strong economic growth. Death and taxes may be inevitable, but unjust taxes are not. And so we proposed as our number one domestic priority a radical reform to simplify the tax system and lower your tax rates. Clear out the clutter of special provisions, free ourselves from the grip of special interests, and create a binding commitment to the only special interest that counts you, the people who pay America's bills. All of us, our White House team, Jim Bakers at Treasury, and everyone else in the administration, have fought hard to get tax reform passed into law. But from day one, the Washington establishment has been firing its big guns, trying to shoot tax reform down. According to these experts, we never had a chance. If you listened to conventional wisdom here, to the wisdom of Washington's most influential lobbyists and insiders, tax reform was never more than a pipe dream. Less than one month ago, we were told that tax reform is dead. Well, just in case you missed one of the headlines last week, it read, sudden twists in tax bill's course leave lobbyists stunned bewildered. What happened? The people won. That's what happened. Well, they may not have won quite yet. But thanks to heroic work of Senator Bob Packwood, members of his finance committee, our administration, and you, the political entrepreneurs have just won a magnificent first victory over the stagnating forces of the status quo. America today stands poised to lift off into a new age of opportunity powered by one of the most exciting economic changes of my lifetime. Passed by an overwhelming 20 to 0 bipartisan vote, this proposal is really radical in scope. It dramatically simplifies the entire tax rate structure and reduces personal income tax rates to their lowest levels in over half a century. There will be only two simple rates, 15 and 27%. Over 80% of all Americans will pay a tax rate of 15% or less. In addition, the finance committee proposal will raise the personal and dependence exemption to $2,000 for all middle and low income Americans. It will remove 6 million working poor from the tax rolls altogether. That's right. I said 6 million. It will sweep into the trash bins of our past literally scores of unfair, unwise, unproductive tax shelters. It will make business decisions depend on economic merits rather than on tax considerations. And it will make America more competitive in world markets. Finally, the proposal will make an enormous contribution toward tax fairness by providing for a minimum tax of 20% on certain items of tax preference. In this way, we can be sure that all individuals and corporations finally pay their fair share. Of course, this bill is not perfect. But several months ago, I wrote several members of the House specifying the conditions that must be met for my support. This bill meets those conditions. As far as I'm concerned, it's a giant step forward. My counsel of economic advisors believes that the Senate Finance Bill is pro-growth and pro-opportunity. They estimate that added incentives and efficiencies could increase America's growth rate nearly 10% over the next decade. That could mean as much as $600 to $900 more income per household each year. Jobs could rise an additional 4 million over that period. That's why I'm asking Republicans and Democrats to unite to move this legislation through Congress as fast as possible so you, the people, can set the stage to make America the world's economic superstar through the 90s and the year 2000. As I seem to remember saying once before, let's go for it. Until next week, thanks for listening. And God bless you. And it was in his program, Mike, that it was unannounced. One night, he came in and I told him, he'd usually run over if he had a lot of means. But this night, I told him, we were followed by a commercial. So I said, you got to get off right on the nose. Oh, he said, I've got a lot of news tonight. They told me that I said, there's been a change. There's a commercial. And so he started going with the news. And finally, he didn't sound like he was stopping and I gave him a finger for one minute. Then I gave him half a minute and he was still going and finally right at the moment. I just pushed the button to program. And I said, that concludes the news program by H.R. Gross. We take you now to the Tropical Room with the Hotel Fort Des Moines and push the program button. Well, the fellas in the control room hadn't had time to pull his mic off the program. So his mic was on as the music started coming through from the Tropical Room. And H.R. stood up, kicked his chair across the studio and then in no uncertain and very profane terms, he started talking and the switchboard began to run. Oh, no, that's fair. Best part was that the police went to the Tropical Room and they heard it. They saw some drunk had gotten in there and they went in and said, you can't keep order in this place, we'll close it. Did both of you keep your job? Yeah. Okay, good work. Good day. Okay, bye.


And the Nigerian Bar Association says there is no constitutional nor legal authority that supports the ban of Twitter by the federal government. NBA president Ullumi Diakbata in a statement described the government's decision as illegal and threatened to challenge in court the decision of the government to suspend the operations of the microblogging site. Twitter had deleted a post by President Mohammad Ibarre on Tuesday, and this prompted the government to announce a ban. Minister of Information and Culture Lai Mohamed announced the suspension earlier on Friday, citing the persistent use of the platform for activities that are capable of undermining Nigeria's corporate existence.


Hey what's up guys welcome to Trending Reviews, so I bought the brand new 16 inch MacBook Pro and to protect it from scratches and dust and all these kind of things that can damage the laptop in daily use, I would normally put a skin on it. Now I used to do this with D-Brand skins so I thought let me try a different company maybe update some of the designs because I used to have black camo from D-Brand. So I've decided to give this shot from a company called Extreme Skins. Now I've got this colour it's called Silver Black Wood. So it's a nice unique design it's got a wooden type texture to it and I'm going to give you a tutorial of me sticking it on top of the top as well with the Apple logo cutout and also all around the keyboard as well apart from the trackpad although there is an option with the trackpad as well but I'd rather not use the texture when I'm using it for the mouse and then also the bottom of the laptop as well. So just for reference the set for the complete skin of the top middle and bottom is 33 pounds and I'll leave a link in the description below of where you can purchase any of the different designs by Extreme Skins. So let's go ahead and stick it on and see how we get on.  I've got a nice microfiber cloth here and I've got parts of a lens cleaning kit here as well which I'm going to use for the inside of the laptop. So this is a little air blower just to make sure you spray all of the dust away from the keyboards and the speakers and anything else where dust might be captured and you've got this thing that looks like a pen if I just zoom in there a little bit it's basically a little microfiber brush that you can just clean out the inside of the keys and around the trackpad as well so it's really useful stuff as well. There's one other thing I'd recommend you get like a very solid card you can even use a credit card to basically air out any of the bubbles when you're actually putting the skin on. So let's go ahead and see if I can get this out and perfectly in line with the apple cut out there so use the microfiber cloth first and then you get four packets of the pre-injection swabs here that come with the extreme skins packet so use this to actually wipe clean the surface I'm going to use that first at the top. This has a very strong alcoholic smell to it. I just want to make sure everything's perfect give it a full clean it's quick dry as well so you can see it drying up at the same time and then a quick wipe with the microfiber cloth now one thing to note is that this only comes with one pair of these as well so you need to get it right the first time so try not to mess up as much as possible now I don't know if you can see there you can see slightly the apple cut out there now you need to make sure you align this correctly I recommend is if you're not going to cover it take the apple cut out off now just so you can align it correctly with that so I'm going to remove this maybe just stick it on my card here because I won't be using that and then you also have the tiny bit inside there as well that to the side and now what I recommend is making sure you've got it the right way and starting with the corners so I'll take this corner first and I'll go along the edges of the laptop so what I'm gonna do is I'm gonna swing it around this way and then work backwards make sure you line it up correctly now if you do get it wrong you will be able to peel it off and start again okay now that I've aligned it there I'm going to start peeling back from underneath just make sure there's no bubbles and you're not going off the edge the key thing is making sure that the Apple logo cut out is actually there exactly at the right spot that's pretty spot on take a look at that very impressed let's continue perfect first time around there we go I've got it so that just looks very nice I really like that dark wooden oak type of a color and material there as well so very premium look there I'm ready to move on to the inside okay so this is where my other cleaning materials will come in handy so gonna spray out the dust of course the laptop is brand new but just want to make sure there is nothing in the way gonna give it a quick brush between the trackpad slices here and also a bit on the keyboards and the speaker and then use another one of the pre-injection swabs as well so another strong smell coming my way now here I'm gonna be covering the outside of the trackpad and just along the top there above the speaker so I won't be covering any part of the keyboard or the speakers themselves so and I'm ready for the next part so let's go ahead and to the top part right so now let's go and move on to the sides and see how easy this would be so these ones are very thin and it's probably going to be the most trickiest part to put it on now these will bend round you can see where the actual starting point is of the side piece there so before the hinge you need to align this up to match the headphone port so you can see how shaky the hand is so there we go and slightly round to that side as well now going to do the same on this side okay now just getting to the front panel have the front done as well finally just the back you can see the gap in the middle there between the corners so but this one I'm gonna actually take all of it out and that manually position this in a straight line and the last step is of course the back so and then we have it guys the silver black wood skin on the MacBook Pro 16 inch by Xtreme skins let me know in the comments below what you think do you like the design did you like this tutorial and if you did then I appreciate if you give this video a thumbs up hope you subscribe I've got a lot more cool videos coming up to review this MacBook Pro 16 inch model itself and other tutorials which I think you're really gonna like so make sure you hit that subscribe button and I'll catch you guys next time take care


There are those people who are entirely too arrogant and too boastful in their salvation. And what I mean by that is that they're giving themselves credit as though they are the ones because they are so smart, because they are so intelligent, because they're so wise. Things make sense to them. They can see things what they really are. They on their own decided to place their faith in Christ. For them, it made sense. The fact of the matter is that's not really the case. It can make sense. It can look like it's the right thing to do. It doesn't mean that you're going to continually make that choice. It doesn't mean that you are going to make the decision and stick with the decision. Because what we do know about all of us, including the very arrogant who are saved, who say they're saved, is that we tend to want to do what we want to do. And oftentimes the most important thing in our lives is us. When it comes to our salvation, we would rather choose to please ourselves at some point in time versus pleasing God. Thankfully though, it is God who is the active party in our salvation. I want to get this clear through everyone. We are not the active party in our salvation. God is the active party. We are the passive participants in our salvation. So what I want to do is I want to start with one very controversial verse and then work our way through and see how this is nothing that we can take pride in or boast in. Remember the Bible says that through faith we've been saved, through grace we've been saved, through faith, not of our own so that anyone can boast. Nobody can boast about our salvation. And so with that being stated, I want to go to Acts 13 verse 48. And I want you to see something here. And we're going to look at the tense of the verse and so forth, even the voices. And notice what it says in Acts 13, 48. Now obviously this is the founding of the church, the gospel is going forward, and more and more people are coming to Christ, even these Gentiles. And it's when the Gentiles heard this, at this preaching, they began rejoicing and glorifying the word of the Lord. And as many as had been appointed, there it is, to eternal life they did what? They believed. So who believed? Well, those that had been appointed.  Now I want you to notice the word that's used here for appointed. In the Greek, this is the word, to tagmanoi, which is to be appointed. But notice what I want you to focus on though, is the voice. The voice in this is, in some cases they say middle. Now the middle voice and the passive voice, the endings are the same. In this case, this refers to God doing. This cannot be in the middle voice that they appointed themselves. That makes absolutely no sense. This is clear as a matter of fact, this is why every translation renders it this way. Those who had been, and by the way, the reason why we see it says had been appointed is because the voice, I mean the tense that this is in, this is in the perfect tense. So this is a completed action in the past. So this could not been them doing so. This is clearly God doing so. God did, it's because of the perfect tense. It's a completed action from the past. So it makes sense now that God appointed them before they believed to believe. So here is a controversial passage because some are going to say that, no, this is them doing so. No, this is clearly God's role. And I know it breaks someone's heart, but let's just be clear. You are not the person that is responsible for your salvation. You're not the person that's responsible for your heart. We cover this often Luke 8, the parable of the seed and the soils. And the soil is the heart, the seed is the word of God. And he goes through, Jesus does and speaks about different people who have heard the word. The problem was though it fell on the wrong sort of soil or bad soil. But those who had the good soil, whose heart is good, those are the ones who kept it and would keep persevering. The question is though, who's responsible for the condition of the heart? Are we responsible for the condition of our own heart? Or is God responsible? It's one of the two. It's not some other force. So here's the question that everyone needs to ask. Your heart condition as you receive the word, who is the one that caused it to be good soil, good ground or a good heart? Remember, all throughout the Bible, starting off in Deuteronomy, the Bible talks about how bad man's heart is. He tells man to circumcise his heart in Deuteronomy 10, but that he knows it won't. And then he tells him that he will do so in Deuteronomy 30. All throughout the Scriptures, we'll see God say, circumcise your heart. Get your heart straight, fix your heart. Knowing full well that man won't do so. And so even when he says for them to do so, even in places like Ezekiel, he says that he'll come back and that he will fix their heart. As a matter of fact, let's go to Ezekiel and look at what it says. Let's start in chapter 11, verse 19. He says, and I will give them one heart and put a new spirit within them. Question, who is the active participant and who is passive? Well, clearly it's God. He says, I will give them. It is God that will do so. He says, wach na tatin, which is God doing. So I will give them one heart and put this. So the them, whoever receives this spirit in their heart and get this new heart, that will be those who will be the passive participants. Now, he's speaking about Israel, but it's going to also relate to us as well, because the same thing happens with us. And I will put a new spirit within them. And I will take the heart of stone out of their flesh. So even the condition, the bad condition of the heart, how does that change? Well, it's God that makes the heart or takes away the stoniness of the heart, the whirliness of the heart, the symptom heart. It's God that changes the heart and then puts his spirit in the heart. I will take out the heart of stone out of their flesh and give them a heart of flesh. And then if we just go over a little bit further to Ezekiel 36, and look what he says here again, same thing. He says that I will sprinkle clean water on you. Notice the I. I will sprinkle clean water on you and you will be clean. You, being passive, you will be clean. Going back to what we learned in high school, what is active, what is passive and so forth. And so in this case, I, he says, I will cleanse you from all your filthiness. Being cleansed, that's not you, that's him. And from all your idols. Moreover, I will give you a new heart and I will put a new spirit within you. And I will remove the heart of stone from your flesh and I, same word, I, because the same word in the Hebrew, not the team, which is I will give and I will give you a new flesh.  I will cause you to walk same, same Hebrew verb tense. I will cause you to walk in my statues and you will be careful to observe my ordinances. And so he's, so clearly the active participant, the one that's actually doing the verb is God, not us. And so Jesus brings this up when we come, when we go to John three, he says, truly, truly, I say to you that unless one is born again, and this word Genomai is used here, so a person must be born. He cannot see the kingdom of God. Well, what does that mean, Coral? Well, when we drop down a little bit further, we're going to see something here. Let's go to verse six. He says, that which is born of flesh is flesh, that which is born of spirit is spirit. And by the way, the word born again, it's this Greek word that we see here highlighted on the screen, Genethe anotha, which is to be born from above. Well, can you make yourself be born from above? No, that is clearly an only God who can do so. You can't do it. So again, the heart being changed from above is clearly God. And as we drop back down to verse seven, he says, do not be amazed that I said, you must be born again. And so I want you to look at the tense and the voice of this word that's used here. This Greek word here is Genethe nai, which is, guys, it's in the passive. So those who must be born again, you know what he says, Genethe nai, anotha born from above, this voice is in the passive. So this was done to you. You cannot make yourself be born again or born from above. As a matter of fact, in 1 Peter 1, 3, he says that God caused us to be born again. This is God's work, amen? And then in John 1, he speaks of all of us who were born. I want you to notice something. In chapter one, verse 12, he says, but as many, hostile, but as many who received him, to them he gave the right to become children of God. Now, someone may say, well, yeah, but you have to receive them, that's on you. Well, let's see. Verse 13, even to those who believe in his name, who were, look what he says, who were born not of blood, nor of the will of flesh, nor of the will of man, but of God. Now, born of the will of God, born of God. Now, I want you to notice what's highlighted in the Greek. This Greek over here says, ek feu agenethe san, which is of or from God, they have been born. And then now, obviously this is in the heiress tense, but it's also passive. So it's passive, it was past tense that it was done heiress, but it was done to them passively. So those who were born of God, it's God who did so, born from God. He is the one that does so. And so when we see certain passages like Ephesians one, which says, God chose us, or even Romans eight, starting in verse 29, he says, for those whom he foreknew, he also predestined to be conformed to the image of his son. This is God doing so. This is God's work, not our work. Amen. Now, something else that we see also in the Old Testament, because this was also understood, not just as a New Testament believer, but also under the Old Testament. People knew that what was being done to them or for them was not them, not them on their own, but it was God. Even David makes his statement in Psalm 65, for he says, how blessed is the one whom you choose and bring near to you. This is not you doing so on your own, coming on your own. This is God doing so. This is God choosing you. And the reason why this is a big issue is because too often too many people a day make salvation something that they've done, even to go so far as to say things such as they have the ability to decree and to declare certain things. You couldn't even decree and declare your own salvation, much less decree some sort of miracle. All you can do is what God has done. All you can even speak about is what God has done. Your salvation is not your own. You have not been saved on your own. You were bought with a price. The very term, even in English, connotes that it was not done by you, but to you. To be saved, you cannot save yourself. That means you weren't saved. You did it yourself, but we don't see that in scripture. And so I think it's high time that people start giving God all the credit, more credit than they've been, even those who will say that they do give God credit, but you must make the decision. You don't have it in yourself. You don't have it in yourself to make the decision and keep making decisions. You can believe temporarily, as Jesus says in Luke 8, but there's nothing in you that's going to cause you to keep internally, that's going to cause you to stay with him unless it's the Holy Spirit. And so give proper praise and adoration and glory to the one that saved you, now unto him that's able to keep you from stumbling. Not to say that he can keep you and then won't do it. He's not teasing you. He can keep you from stumbling because he will keep you from stumbling. That's why Paul says, I'm confident of him who began, who began it, not you, he did. Again, guys, why it's vitally important is that you put your proper emphasis and praise and credit to the one who deserves it. That is not you, but God. Amen.


So we got this question on Facebook. It's about BJ Bauer. So BJ Bauer asked a question on Facebook about why the need to pee intensifies as you get closer to the door. He's kind of wondering about some issues with that. So I thought we'd cover it behavior analytically for you. It's, God. All right, so anyway, so the need to pee, you know, right, it's that, you know, that feeling, you know, that sort of feeling kind of happened right now. Anyway, even when he asked the question, I suddenly had to pee. So the question really becomes what's going on, right? Well, there's all sorts of things that are going on here. I just, God, couldn't like to get the keys out. Several things, probably a conditioned stimulus to be completely honest with you that you're getting closer to that toilet and the closer you get to the toilet, the more it's like that you're just gonna release. And it's gonna feel really good. And you get distracted and it's so close. No, that's not right. Anyway, so it's probably some type of conditioned stimulus. Of course, there could be an SD component because the door might signal that you're gonna get the release and get the negative reinforcement of looking to get rid of the pee. The, I wish you would stop feeding me so much water at work, it's just, it's a great example, but dammit, I just, I kind of can't pee. I'm gonna end up being in my pants so I don't get in here. Anyway, it's gonna get worse as I get closer to the bathroom. But just to finish the video here for you, we've gotta talk about that conditioned stimulus, right? So the door becomes a conditioned stimulus. It's like, I'm gonna get through there. I hope, I, you know, we're kind of taking some guesswork here because we didn't bring it in to do an experiment on this. But ultimately, folks, that's probably what's going on. Again, it might be an SD, right? It signals that you're about ready to get to the bathroom and that reinforcement is gonna be available, negative reinforcement for peeing into the toilet. Anyway, or it is a conditioned stimulus in and to itself that the house, or as you're getting closer to it, signals that you are going to be able to engage in that particular response. Now, of course, I'm talking kind of mixing about some classical and operant conditioning there, but the idea is definitely apply. It's the same type of thing that if you ran some water near someone that has to pee, they probably might have to pee a little bit more. So, anyway, definitely conditioned stimulus. All right, now, I'm gonna go pee. Woo! Ladies and gentlemen, join us for a psych core cram session. It's where operant and classical meet.