QuickBooks Online 2024. Payroll and Employee Reports. Get ready and some coffee because we don't accept excuses about being too tired. Unless for some reason someone made you physically carry two tires, then maybe it's a legitimate excuse because you've been too tired against your will. But anyway, let's get into it. First, a word from our sponsor. Yeah, actually, we're sponsoring ourselves on this one because apparently the merchandisers, they don't want to be seen with us.  Like our crunching numbers is my cardio product line. Now, I'm not saying that subscribing to this channel, crunching numbers with us will make you thin, fit and healthy or anything. However, it does seem like it worked for her. Just saying. So, subscribe, hit the bell thing and buy some merchandise so you can make the world a better place by sharing your accounting instruction exercise routine. If you would like a commercial free experience, consider subscribing to our website at accountinginstruction.com or accountinginstruction.thinkific.com. Here we are online in our browser searching for QuickBooks Online Test Drive. Looking for the result that has Intuit.com in the URL. Intuit being the owner of QuickBooks. Selecting the United States version of the software and verifying that we're not a robot. Opening up the major financial statement reports like we do every time. The reports there on the left hand side. We're going to be right clicking on one of the favorites that being the balance sheet open link in new tab. Right clicking on the profit and loss. Once again, opening the link in a new tab. Let's go to that middle tab. We open, close up the hamburger. Do the range change. Bring it back to 2023. 010123 tab, 123123 tab. Running it to refresh in it. And then we'll tab to the right same process hamburger. Close that hamburger so we can eat it. 010123 tab, 123123 tab. And run that report. That's the setup process we do every time. I'm going to go back to the first tab. That's where we would be doing the data input checking what happens to the financial statement reports. Balance sheet income statement on the tabs to the right. We now want to think about the payroll process. So if I select the drop down here, we talked about the overall accounting cycle. There is a cycle once set up. That's going to be kind of cyclical in which we'll have repeated processes on a monthly and yearly basis. And then we have cycles within cycles where we have the customer cycle, which you might call the revenue cycle, the income cycle or sales cycle and the forms related to it. The vendor cycle, which you could call the expense cycle, the accounts payable cycle, the purchases cycle, forms related to it. And now we're looking at the employee cycle. Now this one we saved towards the end here because one, there's a lot of different ways you can approach the payroll cycle. Two, it's kind of similar to the vendor cycle but has more complexities to it due to regulations including withholdings that will differ from place to place. And three, you could do the payroll internally or you can choose to do it externally. It's kind of an add on type of feature which generally will cost more to be picking up. So we'll go through the typical cycle of the payroll cycle and then some options on how you might approach the payroll cycle. First noting, however, that the payroll cycle, again, would be part of the vendor cycle. In essence, if you were able to just hire somebody and then say, I'm just going to pay you for the work that we agreed upon, we'll shake hands. I'm just going to pay you at the end of the week according to our agreement. Then it would be very, very easy. We could use an expense form just like every other vendor type of situation and basically just record payroll expense and decrease the checking account when the payment happens. But it's not that easy because of regulations including from an accounting standpoint, there's big changes being the payroll withholdings that are going to take place in which we have both mandatory withholdings and possibly voluntary withholdings and then the reporting requirements that are going to go along with those payroll withholdings. Also note that because this is related to laws, regulation and taxes, taxes being according to certain laws and regulations, it will be different depending on location. So we're going to be talking from the perspective of the United States payroll situation because we have withholdings on the federal level of the United States. But even within the United States, you've got different payroll from a state to state level. So you have some uniformity within the United States on the federal level and then you have differences from state to state, which are going to decide how they want to pay for their taxes for particular locations within the state. If you're outside of the United States, then you could have a completely different tax structure, possibly you don't have like an income tax which is kind of tied into the payroll tax as much as your primary taxation as much as a usage tax or something like that, which means your tax implications will be more on the sales kind of things similar to the sales tax that we have here on the state level and you might not have this whole issue as much withholdings on the employee side of things. So that's the general idea. Now there's two major ways that you can deal with the payroll. You can either set up payroll internally and pay extra typically to do that or you can go to a third party payroll provider and have them handle the payroll externally and then try to just integrate the transactions into your system. So your financial statements are correct but they're handling all the other stuff related to the payroll and possibly to human resource issues as well. Human resources being kind of linked to payroll. When I'm thinking of payroll, I'm thinking about the technical impact on the financial statements but there are also laws and regulations just on the human resources side of things that we want to be in compliance with as well with regards to employees remembering that when it comes to lawsuits and problems like that, the employees are the highest risk typically. So you want to make sure that your payroll is set up properly, that you're following all the laws and regulations related to it and run it just as smoothly as you can. Now the third option you might be thinking is, well why don't I just run payroll and then I'll just calculate the payroll manually. You could do that but I don't suggest doing that even if you only have a few employees given the fact that again, payroll has become quite complex. Some people will argue that that's not the case because every one particular payroll item is not that complex. It's not hard to calculate the social security in and of itself or the Medicare in and of itself for one payroll, for one employee or the federal unemployment tax for one payroll for one employee but when you combine them together for multiple employees even if there's only a couple of employees and you have to do it on a paycheck by paycheck period and you have to be reporting on a payroll by payroll setting as well as a year to date setting and you have to be able to summarize that information for the 941s, quarterly reporting 940 at the end of the year, W2s, W3s and being in compliance with that reporting as well as any state reporting that happens on top of that, that starts to get complex not because any individual component is complex but because there's so much that's being combined together that it starts to add up on itself. So I think the viable options that you have are the payroll internally so just a quick reminder, it's usually an add-on feature which you will see when you purchase payroll but you can also just set it up once even if you have your QuickBooks set up and you don't have payroll and you want to turn it on you could pay more for the payroll, right? So if you go into QuickBooks here go to Intuit.com by the way this is the Intuit website intuit.com and then I'm going to go into QuickBooks and then down at the bottom I go all the way down to our products here and then I usually like to look at the QuickBooks online payroll and then you can look at the plans and pricing for the payroll here so here's your plans and pricing if you just purchase QuickBooks it's usually going to be asking you as an add-on feature once you go to the purchasing process if you want to be adding on the payroll so there's that if you're within QuickBooks then you could go down to the payroll here and if payroll had not yet been turned on then you'll have the option basically to be turning on the payroll you can also manage your account if you need to make adjustments to it in the cog here and in the settings within your company area the account and settings area now if you wanted to do payroll externally then you can find a payroll provider the big couple are ADP and paychecks that you can look at I'm not promoting them I'm not affiliated with them at all they're just some of the larger companies which then you can try to have them responsible for actually issuing the payroll checks and doing all of the work along with the payroll checks then your responsibility is to try to integrate the reports that they have for payroll into your system so that you don't need to have all the detail involved you don't need to process the payroll forms or have all the detail per check but you need to get your financial statements correct so that you can report properly for at least income taxes in the United States and possibly for other external reporting purposes now let's just go over a quick review of the process or the cycle of payroll so I'm going into a flow chart this is a desktop flow chart but we're just looking at it for the cycle of the forms that will be in play for payroll so the first one here in our cycle is to enter the time so note well the first thing that you would do with payroll is of course one set up the payroll that's going to be a setup process we'll talk a little bit about that more in the portion of the section or course where we start a new company file similar to the setup or startup process that you would have when you set up a new like QuickBooks file and you need to set up the chart of accounts and you need to set up the items with payroll you need to set up the original kind of payroll settings within the system and when you set up the original payroll system you're going to be deciding which pay periods do you want to be setting up are you going to pay people weekly, bi-weekly semi-monthly or monthly those are the usual payroll setups and are you going to be paying people as your employees on an hourly basis or possibly on a salary basis those are some of the basic setup tools that you'll need to put in place when you add your employees and set up your payroll if you're paying people hourly then you're going to have to enter time into the system when you pay them weekly and they work 40 hours a week then you're going to have to put in the 40 hours you're going to have to get that information somehow how are you going to get that well you could get it from time sheets the time sheets could be done internally so you could, there's different options with QuickBooks Online we talk more about them in detail in a future course or section if you want to look into payroll more specifically because it is a kind of a place in and of itself but this time entry isn't required for payroll because you could get your payroll information from an outside source like another software or even Excel just let them give you their time on a weekly basis or monthly basis or whenever you pay them and then you can just enter that as you process the payroll this time entry is often for people that use a job cost system like a law firm, bookkeeping firm contractors they certainly want to use it to process payroll but also want to use it as a billing option so they can create invoices based on a billing rate for the employees so this one may or may not be something you're doing if you don't have hourly employees and you pay them salary then you don't really need the time entry for the employee payroll you would need it still however possibly because this would possibly the case in a law firm or a CPA firm to help to generate the invoices so then we would go to the pay employees this is going to be the thing that you're going to set up to process the actual payroll process through actual checks or electronic transfers which will typically happen depending on you it's up to the business on a weekly basis semi-weekly basis every other week or bi-weekly or you can do it monthly those are the typical cycles that you would have whether those cycles are you're going to process the payroll which will actually generate a check the check will be a payroll type check but it's still just a check it's decreasing the checking account but it will have a specific name in the transaction report that it's a payroll check if you're processing it through the payroll system and when you enter the check then you're going to you're going to record the payroll expense you're going to record the decrease the checking account but you're actually going to withhold some of their money there's going to be a difference between what you recorded as a payroll expense and the money they actually get as you know if you've looked at your check stub and the difference has to be reported to the employees on a pay stub that they receive in some way shape or form even if electronically filing which will tell the employee that you took out at least generally the federal income tax that they owe the social security and the Medicare and then there might be voluntary withholdings and there might be state tax withholdings so that means there's going to be a liability created here because you took money from them because you're forced to by the government and they never got their full paycheck they only got part of their paycheck because the government is requiring you to act as the tax collector on their behalf and then of course you have to pay the liabilities that you withheld from them as well as your own payroll tax liabilities to the government for federal income tax social security Medicare any kind of benefits 401k plan insurance any state taxes on top of that you also have to deal with the processing of payroll tax forms the payroll tax forms are the forms 940 typically for quarterly filing I'm sorry 941 for quarterly filing 940 at the end of the year and then the W2's and the W3's at the end of the year now the 941s are kind of like for individual income tax reporting the form 1040 in that you're supposed to pay your taxes during the year like we do with individual income taxes and in a perfect system the form 1040 there wouldn't be any amount due or an amount of a refund it wasn't such a complicated system it would just be an informational return because the income tax is so complicated we shoot for a refund so that we don't get hit with penalties from underpaying that's why there's a refund involved but with payroll taxes we should be able to get it exact meaning we already paid our taxes when we processed the payroll we should be able to make that exact therefore when we file the 941s on a quarterly basis it's just going to be an informational return telling the IRS this is how much I owe in summary this is how much we paid it should tie out the 940 at the end of the year isn't a yearly summary of the 941s but rather it's focused on a different tax it's focused on the federal income tax rather than the other 941s focused on social security, Medicare and federal income tax I mean the 940 is on the federal unemployment tax I'm sorry the 940 is on the federal unemployment tax and then the W-2s of course are going to have to go out per employee the W-3 is kind of like one giant form that encompasses all the W-2s so that's the general process let's look at the forms here a little bit more in depth so these are the forms that you would file quarterly these I just looked up at the irs.gov irs.gov and you can look up the 941s where you see you need the employer identification the name the address and then you've got box one number of employees two wage tips and others so this is going to be compiling all of the income for one of the quarters you're going to do this on a quarterly basis up top and then you've got the federal income tax withheld and then you've got if no wages and tips and so on and then you've got your tax calculations taxable social security wages social security Medicare and the federal income tax so that's how much tax that you're going to owe when you add those up tax due on unreported tips well here's the total social security Medicare taxes here's the total taxes before adjustments then you can make an adjustment and here's the adjusted tax and then you're going to have your tax payment that will be in there and hopefully when you compare the tax payment and the amount due it should come out to zero right is the general idea it's an informational reporting form hopefully if everything goes properly the 940 as you can see is the employer's annual federal unemployment that's futa tax return so then this is so this is focused on another type of tax this tax is usually going to be a smaller tax in total then the other three social security Medicare and federal income tax that's why they only require it to be reported in terms of one time a year instead of on a quarterly basis is the general idea and then you've got the W3 the W3 looks pretty much like the W2 forms so this is basically a summary of the W2 forms which is an indication that you can kind of see all of the payments that you make to all of your employees as if they were one employee as if they were one big journal entry and that's kind of what the W3 is it's summing all of your employees up as if like they're one lump sum composite person that you're paying on one like a one time payment right then you can that's kind of what the W3 basically looks like so then when you actually process the payroll let's go back into our reports here we would be in the payroll center now this file doesn't have payroll completely set up for us to kind of practice with payrolls particularly difficult to run practice scenarios with because the way payroll works is real time so the system is going to be working in real time and it's hard to work a practice problem where you want time to pass I would like to work a whole quarter at least or possibly a whole year's worth of payroll for a good practice problem course why because every quarter is different quarter one payroll taxes will be different in part because everybody's going to hit the cap for the FUTA tax the federal unemployment tax act tax so quarter is different actually then quarter two in some of the types of taxes you pay in quarter three and then quarter four is when you have to then file all the all the tax returns including the 940 once the 940 and you could end up with other caps that have problems with it like additional tax for Medicare and possibly a tax cap for Social Security as well so it's difficult to run practice problems using software we have courses where we've done our best to look at that but it's a specialty area in and of itself so we're just going to give a recap here when we get into the section or course where we start a new company file we'll do a little bit of practicing running a couple payrolls to get an idea if we can get access to the payroll but we're not doing a whole course specifically on payroll which again could be a whole course easily multiple courses basically in and of itself but if you process the payroll within the system here then QuickBooks has some certainty to kind of help you through with recording all the transactions properly and then providing what's needed to the employees which is a pay stub which gives you the amount of withholdings per check and on a year to date basis although if I go to the tab to the right it's going to be a lot more cumbersome if I run payroll through the checking account and I have even five employees that means it's going to have five paychecks per per whatever my payroll running is per week bi-weekly or so on which gets to be a lot more transactions not only that it's going to split those transactions up according to the withholdings so the accounts affected will be the checking account and then we'll probably have some kind of payroll tax liability accounts that will be affected for social security, Medicare and federal income tax and possibly voluntary withholdings and then we'll have the income statement accounts which will be a payroll tax expense as well as just a payroll expense those are the minimum amount of accounts that will be happening also means that if you run payroll within QuickBooks you can't basically be on a cashed-based system with payroll in other words I can't just wait till something clears the bank and then use my payroll my checking account here and wait till it clears the bank and just record it as payroll expense when it goes through my bank account why because if I'm running full service payroll I have to do the withholdings when I process the paycheck now if you have someone else doing the payroll like an ADP or a paychecks then you might still be able to do basically like a cashed-based system and possibly rely on an accountant or CPA tax preparer at the end of the year to basically shore things up with your people you're working with in that case you would want to be working with a good payroll provider and then a good bookkeeper that's doing the bookkeeping possibly more in a cashed-based system and then a good tax preparer or CPA firm which can take the bookkeeping information and the payroll information to properly make any adjustments necessary on a periodic basis possibly just at the end of the year so they can properly at least do the tax return and or and or the external reporting let's get a quick look at what the payroll kind of looks like here we have a basic register for payroll they're going to be a lot more complex than this but just to get a general idea of it if we had two employees that we're going to say we have Adam and Erica so here's like a payroll register let's say Adam made we're going to say that he makes $55,000 a year divided by 12 that would come out to $4,533 a month if we paid them monthly the social security from Adam is going to be 6.2% generally so that's how much we would have to withhold why because the government makes us Medicare we're going to take 1.45% or 0.0145 right that's going to be how much Medicare we take out of his paycheck I'm not going to get into food to tax right now or state withholdings or because those will be dependent on the state because food is fairly small and will be dependent on which quarter we're talking about because there's a cap and it'll phase out and I'm not going to get into the voluntary withholdings like 401K plans and whatnot but all of that stuff could be included and add a lot of complication to the payroll but this is just the general idea those are the withholdings so the income income tax is 7.10 that's how much federal income tax notice I can't just multiply that times the earnings because it'll be dependent on tables this is the biggest one that we're paying for to get help with and I just made that number up it's probably not a good the most best accurate of a number to guess but it will be dependent upon the information on the W-4 which will give us the information on how many dependence they have and all that kind of stuff to let us know how much we should deduct so that one isn't just a flat tax these are basically flat taxes they're pretty easy to calculate although they're not exactly flat taxes because because we have a cap on social security and because the Medicare there's an added tax possibly at some point so it's getting even that's getting complicated but this one has a table that we have to deal with and so that one gets even messier but then the net pay is going to be the earnings minus the withholdings so this is the amount that this one individual Adam would be receiving in an electronic transfer or an actual physical check and then we would have to provide Adam with a pay stub that would have this information in it telling him this is what you earned this is what we took from you because we were required to do so and this is how much we paid you this amount is not ours even though we didn't give it to you Adam we have to pay it on your behalf to the government because they think you're a baby and you can't do it yourself and they're making us do it for you and it's kind of embarrassing for everyone involved but that's how it works and then we also have to pay our social security tax on top of that and the Medicare this is our this is actually the payroll tax that we're paying over and above we're not taking out of the employees paycheck it's kind of like a matching situation for a retirement plan although the social security system is not set up like a retirement plan because a responsible retirement plan would typically have the money in it that's getting interest on it and what not and that's not what happens in the federal government they're spending everything that they get it's not like it's going into a fund for our retirement no they want you to have they want to you know the future generation is going to be paying for our social security right I don't think they are they'll probably they probably rebelled by that time and so they're going to leave us when we're old and we're when we're old they're going to leave us out to out to dry most likely but whatever anyways I'm being pessimistic I don't know here's the Erica's Erica's here same thing so we she made 800 we took 6.2 percent we took 4.1 point 4.5 percent and then we've got the 110 came out of federal income tax this is the amount that Erica is going to get this is the amount she earned we have to give her that information on a pay stub as well as the year to date information not just this information but also the combination of all paychecks up to this point and then this is the amount we owe on top of that now if you were to if you were to to have a do this internally if you did this internally in your system the system is going to provide you with every paycheck and it's going to give you this these pay stubs and it's going to have to track all this detail on a paycheck by check basis and a year to date basis and if you looked at the reports then within QuickBooks you would end up you would have a lot more reports that are related to payroll so if I go down here employee you've got the employee contact recent edit time activities and then down here you've got the employee contact so there's not a whole lot of payroll reports right now because it's not fully functioning in our test drive but if you have payroll fully running then you would end up with a bunch of payroll reports that are going to give you all of this information which is going to support and give the backup detail which will allow you to populate or support in the case of an audit the information that's being used to populate the forms 941, 940, W2's and W3's which are the reporting forms that we have to give to the IRS to let them know that we're paying the proper amount of the payroll tax now if you had a third party doing this like an ADP or a paychecks then they would do all that kind of stuff and your books internally might actually be a lot cleaner right because what you could do then is say well I'm going to let them do all this detailed work with the register and all that kind of stuff they give me reports or possibly we can integrate into payroll their system and then I just need to record a journal entry in essence which I can record on a paycheck by paycheck period basis or I can record on a cashed basis and then make a year in adjustment so for example this first Adam's payroll looks like this if I was to take this register from like an ADP or paychecks who process the payroll the only thing that affects my account is the net check which I'll see coming through my bank account in the bank feeds right so I could think of it as a journal entry where I have the payroll expense here debit and then the payroll liability is the sum of these that's going to be the credit and then the checking account is going to be this amount this is the impact on the checking account that's the check so I could enter you know basically that check that comes through the payroll system by doing this journal entry in essence and in that and doing that I don't need all this out of detail to tell me the year to date basis versus that that like I don't need all that because ADP is doing that and then I can do the same for Erika Erika's earnings were that debit the expenses this is how much liability we took out boom we credit that amount and then we've got the checking account there's the check that came out that I'm going to see come through the bank statement now that's nice we can also try to do it with one journal entry I can if I had a bunch of employees and I wanted to make this as easy as possible and I had a third party person doing the payroll I could take their register and just take all of it and act like it's one employee so that if I sum these two up it comes out to this number five three eight three thirty three I could say that's the total earnings that's the payroll expense the liability is the sum of these that's going to be then the liability and then the checking account went down by four thousand one forty one fifty one now the problem with this method is that what's going to actually clear my bank account are two checks these two checks those two checks you could add up to that total amount so if I know that's the case then I could use I can use that method as well possibly but I have to make sure I can reconcile my bank account to do that you might want a second payroll account you might want a second payroll account just to process the payroll so that you can focus just on the payroll in that checking account and making sure that the amount that comes out of your payroll from the ADP calculation is the same as your journal entry which should tie out to the balance that's going in and out of the payroll account would be the general idea and then we also have to pay our payroll tax here which I can could once again sum up so our payroll liability would be the total of all of the expenses here for the both employees and then we would record the liability now one other method you could use again if you were a bookkeeper and you wanted to be on a cashed based system and then you're saying I'm going to work with an ADP or some kind of third party payroll provider and a good CPA that understands what we're doing and can do adjusting journal entries for tax preparation you might try to set up a system to say I'm going to have the third party provider process the payroll and then it'll come out of my checking account when it comes out of my checking account I'm just going to record the net check to payroll expense or something like that meaning I'm not going to record the detail of the liability here and the payroll expense I'm just going to see the net check decrease the checking account the other side is going to go to payroll expense right and so and so and then and I'm not even going to record the liability part for our payroll taxes I'm going to wait till we actually pay it because at a later point in time we're going to pay off these liability payments which will be hopefully processed with the help of our third party payroll provider they will then flow through the bank feeds and when they flow through the bank feeds I will once again just see the decrease from the payroll accounts and I'll just record it as a payroll expense decrease in the checking account recording the payroll expense so the timing will be a little bit off from an accrual standpoint because I'll be recording the payments when they clear the bank on a cash based system as opposed to when we processed the payroll but that's just a timing difference and we'll have a problem with the fact that everything's going to be processed through payroll expense when we might want to in practice break out payroll expense and payroll tax liability or payroll taxes expense so that means that at the end of the year we inform our CPA or our accountant or tax preparer that we have a third party payroll provider we let them process the payroll we did it on a cashed based system just recording everything to the expense account on a cashed based system we would like you Mr. CPA or tax preparer to do the adjusting entry take the forms the 941s the 940 the W3 the W2s and do whatever journal entry you need to do to shore up the timing difference at the end of the year and break out the payroll between payroll taxes and payroll expense with a journal entry on a periodic basis so that you can make it correct as of 1231 so that you can then file the taxes or and or do any external reporting so that's a method that you can use but that method only works if you have a group of people that know what is going on right meaning a bookkeeper that knows how to do the cashed based system properly and a payroll provider that you can depend on to integrate the system and process the payroll that can do that reliably that you want to be very careful with because they're dealing with your employees and you don't like to switch payroll providers because it's painful and you have a CPA that understands how to do adjusting journal entries with relation to payroll so that you can do that periodic adjustment and then do what you need to do at the end of the day for tax preparation and external reporting


You're watching FJTN, the Federal Judicial Television Network. The federal court's changeover to case management, electronic case filing has been underway for some time. The Federal Judicial Center's educational magazine program, Court to Court, has dealt with CMECF several times, visiting courts and learning from staff and judges their experiences and making the new system work. The FJC is presenting these segments again as a comprehensive look at courts undertaking CMECF. Keep in mind that in some cases, not all the individuals you'll hear are still in the positions they were at the time the segments were produced. Court to Court first visited two prototype courts, the bankruptcy court for the Southern District of New York and the District Court for the Western District of Missouri. We wanted a basic understanding of what CMECF means to the courts. ECF is a new format that we're using to file cases in the federal court. It actually stands for electronic case filing. It's a technique by which attorneys use the internet to actually dial up our computers and technically docket their own pleadings with the federal court. Currently we are asked to have 25 civil rights cases using the electronic case files prototype system and we have six active judges who are participating. Our judges are participating at different levels. We have several who have said put all of my cases in the program. We have some who have taken a wait and see attitude. We had to make sure that those judges who wanted to have paper copies of documents would continue to be able to have those paper copies. There was a need for the prototype courts to reexamine the federal rules of civil procedure and the local rules to accommodate electronic filing. We included in the rules committee three district judges, a magistrate judge, and a representative from the clerk's office. We thought it was important that the judges be involved early on in the process in the development of this program. The main rule issues that we had to identify were how to ensure authentication of documents that were electronically filed for purposes of rule 11, for example, what constituted a signature. And so we had to identify those things such as how to get the password that constituted the signature. That was included in the administrative order while the rule itself indicated that the password would be the equivalent of a signature. We also had to be concerned about how to do notification. Once something was electronically filed, how did we ensure that the opposing party knew that something had been electronically filed? We decided that electronic notification was sufficient. I am Judge Lowry's courtroom deputy in the United States District Court for the Western District of Missouri. We currently have one case that is up and going on ECF that's actually moving right along. The case has had several motions filed in it. The court has issued three or four orders in the case, so I've had an opportunity to process those orders. It's different in that the courtroom deputy has more involvement in processing the orders. Right now, whenever a motion is ruled on by the court issuing an order on an ECF case, the order comes to the courtroom deputy and the courtroom deputy processes and dockets that order. What ECF has brought to us is the need for community outreach, a public relations piece that we've never had before in the federal court system. What our court has done so far is created brochures and done mailings to area attorneys and provided demonstrations either at the court site or at attorneys' law firm. My name is Bill Terry. I'm the Operations Manager for the Western District of Missouri. I'm going to show you how easy it is to file a motion using the electronic case filing system. First of all, we'll select Western District of Missouri document filing system from our home page and we'll put our login ID and password in here. We've so far demonstrated ECF to over 800 individuals. Oh, the attorneys love it. The attorneys love ECF. It's so easy for them to use. The court's files are available to them 24 hours a day. There's no more running last minute to the courthouse. They get their orders and the other documents so quickly. Everybody wants to know how secure is this? From the AO, we are hearing that the National Security Council has reviewed all the firewalls, all the connectivity and determined that second only to their system, this is one of the most secure government operations they've seen. Right now we have 13 cases on here. We are still prototyping. We're approaching the end of the prototype period and the AO has used the prototype to measure volume and how is the security system working. We're hoping to get 25 cases on within the next 30 days. We're excited about being a prototype project because that means that we can develop the system as it goes and we've already done that. Attorneys call us and say this didn't work for us so we're able to say we'll change it for you and that's just absolutely outstanding opportunity. It's been extremely easy to get those changes that we've needed because I've called the AO and like I said, sometimes within 24 hours it's the way I wanted it to be. The culture of the court has changed because historically the court has taken in an enormous amount of paper and created an enormous amount of paper and right now we're moving to an electronic medium where there is no paper available. There is a situation where on our ECF case I did not get a motion that I needed and what I would normally do, this was a Jefferson City case, I would call Jefferson City and tell them to fax that motion to me. Since it was an ECF case I was able to get into ECF, I click on that motion and I printed the entire motion out just as it appears in the original file so I can see it's going to be great. That early enthusiasm in the Western District of Missouri was shared by the Southern District of New York's bankruptcy court. We also learned how the court dealt with some of the early questions surrounding procedural rules. In the prototype for the Southern District of New York bankruptcy court electronic case filing means that we're doing bringing text files to the court through the internet. So as much as possible every document comes in an electronic format, in an electronic text format. Now all chapter 11 cases filed in 1998 go on the electronic case filing system. We have 409 cases. Now that for us a case is a bankruptcy case and an adversary proceeding. Any given day between 650 to 700 people access our system. We're over 6,000 docket entries. There are quite a number of issues presented by moving from a paper to an electronic format. One of the most difficult and critical of those issues is what to do with Rule 11 of the Federal Rules of Civil Procedure which is also applicable in bankruptcy cases. That rule of course provides that an attorney's signature is a certification as to the good faith in essence behind the argument that the attorney is making or the factual assertion that the attorney is making. And what we finally arrived at was to give out to each attorney rather than to each firm a password to use the system and we have implemented through our standing order which I have signed a provision that says that the use of a password is equivalent to a signature on a piece of paper and we have very carefully schooled the users of the system that they should not be willy nilly giving a password out to just anybody but should keep control of them for that reason. Another of the issues concerned when we still had to use paper because the Federal Rules of Bankruptcy Procedure in some instances provide that you have to give people notice of various milestones in cases and most creditors don't have access to the Internet or at least we don't know whether they have access to the Internet so we concluded that in certain types of matters we still had to use paper. We're pretty excited about the fact that we've trained over 500 attorneys to use the electronic case filing system and that a good portion of those 500 attorneys are using it. We offer training. The purpose of this presentation is to... We urge them to take training early on. Attorney's information. Case administrators much more are becoming quality reviewers rather than hands-on docketing. They are looking at what is being filed and offering guidance to attorneys on how to more economically file because the concept of docketing has changed. Initially when we started the attorneys were a little apprehensive after we gave them adequate training and one-on-one help regarding the electronic filing it was pretty much easy transition for them. The attorneys became more dependent on us. Anything from technical questions to docketing questions is solely we was in control of that and once they knew they had ample help everything was smooth. Basically the support that we provide for the attorneys is anywhere from installing of the application, installing of personal computers and also helping them docket their first motions. What excites me about electronic filing is that the courts have taken a giant leap forward and I think we have taken the attorneys by storm at this point. I think the most exciting thing for me in putting this system in place was first the idea of creating something so new and so different. Moreover our help desk make sure that you get a live voice. When you call in no voicemail no promise to call back but a live person someone in automation who's prepared to hold your hand and take you through it we will have our entire system not only chapter elevens but sevens, thirteens, three oh fours every case that's filed here we're going to have it on the system before December 1999 so in that sense we are at the cutting edge. The greatest benefit is that it has enabled us to process an ever-growing caseload with an ever-diminishing staff. Frankly we embarked on this project not because we thought it would be a novelty and a lark but because it was absolutely essential for us we were finding that we were having difficulty processing the enormous amount of paper that came through the court and we had to figure out a way to do this more effectively and efficiently while still providing to the bar the same level of service that we provided previously and indeed with electronic filing the level of service that we're able to provide is actually increased dramatically because not only the judges but the public at large anyone with access to the internet even if they have only a read-only password to the system can see any of our documents at any time A key concern of many individuals in and out of the courts is training for the bar court to court followed up those initial segments by speaking to the chief judge and the clerk of the court in the northern district of Ohio one of the early prototype courts we also returned to the bankruptcy court in the southern district of new york and talked to attorneys from firms large and small Felix Garcia is a new york attorney who handles many bankruptcy cases he was wary of electronic case filing at first I was a little worried about this new type of filing because it was not familiar to me we're all humans and we're all resistant to change and this is a significant institutional change it's a cultural change in nineteen ninety six the district court for the northern district of Ohio mandated that all pleadings in the specialized maritime asbestos litigation be filed electronically through the internet the court has received more than one hundred sixty five thousand pleadings four sixteen thousand cases i would say that the greatest impediment to the bars utilization of electronic case filing is their lack of familiarity and understanding of the system because of not knowing how to uh... not knowing much about this new type of filing I did hesitate Garcia overcame his hesitation with the help of the staff of the southern district of new york bankruptcy court when the chapter seven uh... filers came along and realized that they actually were saving the the money either time our money by doing it in their firms they became avid fans of the system gives me flexibility i'm able to uh... file these petitions uh... at any time i don't have to uh... commit myself to filing during business hours or during the hours that the court is open garcia's use has grown dramatically i'd say about about fifty percent of my chapter seven petitions uh... through this uh... through the electric electronic case filing system larger firms working with morris's clerk's office are also enthusiastic we saw that as an opportunity to move forward on something that perceived and i think correctly uh... would be uh... the wave of the future but the future means a cultural change at increased speed and convenience only goes so far in getting the bar to use ecf we can encourage and if necessary cajole the attorneys into agreeing to uh... put the case uh... into electronic filing however uh... it ultimately has to depend to a great extent on the willingness of the attorneys to go along with it and how does one get attorneys to go along with it i came to to trust the system uh... simply through using it or the course of several months uh... and just just putting it through its basis filing different document seeing if it worked i think that the encouragement from the court particularly the judges is probably the most significant factor in getting attorneys and firms uh... comfortable uh... and with using the new electronic filing system we involve the bar from the very beginning in the electronic case filing project we set up a committee of uh... attorneys to help us draft rules and to draft procedures for electronic case filing and i think that went a long way toward uh... making the bar feel that the rules that we had come up with were practical rules i think the rules committee uh... was very successful uh... some of the key issues that were uh... discussed were issues such as uh... the security of the system and uh... the ease of use for attorneys uh... whether uh... uh... attorneys would be able to file uh... documents that would be signed uh... basically how attorneys would satisfy rule eleven requirements getting members of the bar to agree to ecf is one thing getting them to use it is another any project actually changes the way someone comes to you uses a system takes a lot of time and effort in training we got terrific training from the court the on the ground training in the law firm is probably the most important because it gets the attorneys comfortable uh... with the system younger attorneys are automatically comfortable with the system because they grow up utilizing computers good morning my name is everland at regas and this is my colleague darryl mcfadden and we'd like to welcome you to the bankruptcy court and familiar as you with the electronic case filing system i think that maybe extra time needs to be spent with uh... those of us who have practiced longer and are more used to the paper society and are frightened by pressing a button on a computer to affect a legal consequence not like to turn over the overcoming those fears often means one-on-one attention which can become a resource issue for a court currently the way things work in the intake office and as they have three years in the court are that the attorneys come into court uh... into the clerk's office and this ecf training reverses that and we actually go out to the attorneys to train them on their machines with electronic case filing the attorneys are using their computers and therefore it was our conclusion that that's what we need to train them on is their computers hands-on attention though is really important that's very difficult to give it's very labor-intensive for the court it does take more time it takes more time and it's a definite more strain on the clerk's office having an employee out doing this the payoff is and the reduction in the amount of paper the reduction in the phone calls we get in uh... needing documents immediately we hope within this year the reduction in even the technical needs that they experience will be diminished right now in my firm's cleveland office say that approximately ten percent of the litigators are involved in cases in the electronic filing system and i expect that number will probably increase uh... to well over seventy percent of the litigators in the next five years so it's a matter of never being discouraged always uh... conti always marketing it whether it's internally or with the bar and getting out there just getting out there and sitting down with folks one-on-one or in a group environment to demonstrate the system and uh... make ourselves available whenever and however we can as that segment noted c m e c f is a c change for the courts as such there's more than technology to cope with the human side of dealing with change plays a big role court to court visited one of the alpha courts district court for the northern district of california a week and a half prior to its going live with c m e c f chief deputy clerk jim gilmore uses the metaphor of the dinner party to describe the need for flexibility when implementing e c f this is like hosting and preparing dinner for about twenty people we need to have everything sort of come to the table at once so we can sit down begin this feast and it's tricky like a dinner party is just like having to lay the sauce on the stove top thing in the oven isn't done and and you just have to try not to panic when that happens and try not to think in the sauce too much strain the metaphor systems manager doug purcell has a somewhat different way of putting it purcell is also the c m e c f project manager hardest part of it has been just doing the dance to stay on top of all of the pieces that there are tongue-in-cheek purcell says doing that has a price it means that you don't get as much sleep as you used to when you drink more than you did before we're getting twenty five or thirty uh... registration forms a day and and we're getting behind buds been doing them all uh... they can't keep up long he's going to come in on sunday with the dot dot and come in every sunday so you know the start date gets near clerk of court rich weekend and she's deputy clerk gilmore worry about processing the rush of electronic registrations coming in from a turn i don't know how much longer we can do this i mean we got the big flood of them after the recorder and uh... daily journal articles so you know it went up from about two or three a day to twenty five or thirty a day and it's still climbing i don't know what kind of capacity can we handle on a regular basis one person can probably reasonably do a dozen or maybe twenty of these a day uh... if they do it full time of course we don't have anybody who can do it full time right now when they first began to think about what c m e c f would mean the managers quickly realized that all staff needed to participate in the changeover so they held several town hall meetings trying to deliver that the message by this kind of mechanism that we need you to think about what it will mean to because there are things we haven't thought of managing change often is touted as a worthy goal but gilmore says the change management is the least of their problems there's all this talk about it it sounds like it's something that you can manage but you have to make change happen and that's the hardest thing in the courts the organization is not made for change very traditional precedent is all when i first came here in the nineteen seventies one of my first jobs was to clean out a store room it was full of great big heavy glass ink wells and huge jars of shafer ink the people had kept around just in case these typewriter deals didn't work out from ink wells to a paperless system in a digital age some of the pieces can be mysterious it's a tape changing device with a little robot that rums around inside sticking tapes out of a cartridge and sticking them into the drive it took me a little while to get up the nerve to even try to open the door when it first arrived this is backups for the whole of the ecf box the database itself and then all of the other bits and pieces that go to make up the application the hardware is only part of purcell's challenge there's also the software to install leave yourself plenty of time but i also have a lot of faith in the folks at sd sd formerly known as ttsd uh... their documentation is usually very very good and i'm sure that it will be much better when the next wave of course comes on purcell had heard rumors that the software could be installed in two or three days doing it for the first time and doing it off of documentation which is not necessarily in its ultimately polished form takes a whole lot longer than two or three days more like six weeks initially the management team thought the docking staff would be most affected by the change but they discovered that those most affected will be their courtroom deputies because we are wedded to the idea that input happens as close to the source of the document or event as possible they will actually for the first time being first time input data into a system the courtroom deputies expect a year of heartburn with the new responsibilities for docking combined with working through the paper for existing cases but they look forward to the eventual payoff of no more photocopying and serving court orders in the meantime it will work out solutions as problems arise and what about the docket clerks jobs my main concern was if it will affect it as in well i have a job and it won't affect it in that way you know nobody's going to be losing their job but it will affect what we do or and how we do it we are still responsible for the docket but we will not be the people who actually enter things onto the docket that will happen some attorney in kalamazoo so we're still responsible for something that we're not actually doing now that's going to be that's going to require a different way of thinking about what it is what our product is not so much data entry anymore but more quality control and customer service you don't have near as much memorization involved whereas you have to memorize code after code after code before now everything's right there on your screen you just choose so it actually speeds the process up quite a bit and makes it a lot easier to get your work done i think the biggest part is just not knowing what to expect the training kind of gets rid of those fears that you have of the unknown what do we do if it's out of state if it's out of state there's some two selections at the bottom of your list it's been really easy to pick up and so i'm not really too apprehensive about the change over everyone has a bit of resistance to change and you can't avoid that but this is definitely going to be for the passage no question and the court's judges they may tend to postpone or delay really getting involved with the project like this because it seems a little peripheral to their most important sorts of it was decided that in the san francisco court three of the eighteen judges would begin taking e-cases in the san jose division the six active judges will participate and in oakland one judge will take e-filed cases the court began their training with a basic approach get their hands on it let them feel it and then let them decide how much of it they're actually going to do about eighty percent of the court's cases are civil e-c-f will be a big change for the court's outside customers too we did a run on our current docketing system database and discovered that there are eleven thousand attorneys approximately who are parties to cases that are pending now and they're all over the country they're all over the world so we decided let's go ahead and do some type of a web-based tutorial to hopefully get the training out to the attorney so that's why we took a look at uh... the fjcs tutorial to see will that will that meet our needs with a few modifications to the fjc template the tutorial is now a key element of the court's e-c-f website and training for the bar we've gotten some feedback from attorneys who have been using the tutorial and so far the the feedback that we've gotten is that pretty positive they feel that it's fairly easy to use the tutorial despite the notices on the court's website project manager doug purcell says they now realize that they should have advertised the change over to e-c-f sooner and advertised it in print when the court held a news conference two weeks prior to the launch date e-c-f made the front pages of two legal trade papers print is obviously a medium which is still very very significant because there were a whole lot of people all over town who went you're doing what and you're doing it when and only found out then some two weeks in advance of the so-called live date that this was actually going on because it didn't register until it showed up on the front page of a newspaper advertising the old-fashioned media early even if you don't have anything for anybody to look at yet we can recommend documenting and cataloging what a court learns as it moves through the process it helps to inform and your later decision-making and expedites that and minimizes the effort you have to put into where you've been in the past there will be things to do things to fix things to tinker with things to patch policies to change for a year at least one of the things they're going to get back is a thing that says aha you have filed an electro case that you are now an electrophiler the experience of another alpha court shows how courts can deal with the fears that ecf often creates for those in and outside the court the bankruptcy court for the western district of north carolina began its journey into the new system with electronic case management court to court visited the charlotte division several weeks into the process the fears i had about c m e c f coming to this district were that it would not be as reliable as the system that we now have the fears that i had were that it would possibly reduce my kit my workload uh... and if that happened then i might work myself out of the job i guess one of the biggest fears i had was that we would have to greatly uh... modify the way we operate number one that i would break the machine number two that everything i put in would disappear and number three that i wouldn't even be able to understand it the system that i had grown accustomed to for the many years i've been here i knew it would become extinct uh... so i would have to learn a whole new system again i think my first reaction was the same as everyone else's fear and resistance to change so why would a court volunteer to put itself through this sooner rather than later our belief is that c m e c f is absolutely essential for us to be able to keep up with the caseload that we've got the court considers seven thousand cases a year the numbers keep going up and the court knows that the new technology will help manage this ever increasing caseload but with its shared location in an historic building the bankruptcy court has another urgent albeit low-tech reason to convert to c m e c f all the records there they're really a mess we have no space we have absolutely no space in the basement there's no case probably closed in and on our shelves any longer than four months we're probably shipping archives at least a hundred boxes every four months or less more important though it's it provides uh... a great enhancement to our service to the people who use the court we file hundreds of documents a day i'm a chapter thirteen trustee and in a location that's remote from charlotte so i can't just get my car and drive down the block and go to the clerk's office so the ability to file remotely is greatly appreciated we will be able to docket and file documents in an efficient manner and that we will be able to run reports that are useful to our office i think it will be wonderful i think we can take a laptop computer and literally have our whole office at our fingertips most alpha courts agree that the preparation prior to going live is critical but there's no standard version of how to prepare each court follows its own style a key factor for the western district of north carolina bankruptcy court is the self-directed team management of the staff almost everybody in my court's involved in the program from day one we had a number of committees you know the training committee the dictionary committee and the publicity and everybody chose a committee that they wanted to be on it got everybody involved in i think it made the transition easier and it got people excited to get into the system we jumped in with both feet just like the staff did we did the same training exercises robin chirka's a case administrator in the ashfield division became one of the court's trainers again the great thing about it in case flags is it's versatile you can add a flag at the same time you're removing a flag the top box is going to enable you to set a flag she emphasizes showing people how cm ecf will benefit them directly once they have an incentive then you're going to overcome that fear by replacing it with training knowledge and information how would that help you or assist you in the administration in a day-to-day uh... situation it would help us by getting the cases closed and discharge in a timely manner it would also help identify if we need to docket a receipt we've been through tremendous amounts of training thus far so that has kind of gotten me used to the new system and some of the fears have subsided the terrific thing about it in case data is now you're actually editing information that's in the system as opposed to making a notation on the docket courtroom deputy shon licey from the ashfield division is also responsible for docketing she had feared that cm ecf would put her out of a job and as the attorneys are using our system more and more then i will be doing less inputting and more reviewing but i will review everything that they input so actually the workload will not go down it will only change training does overcome fears but training has its own challenges i would say the biggest challenge to staff training is the period of time that takes place between when structure train stops and when going live begins what i call the reinforcement period you have to make sure that those skills are continually reinforced so that the staff maintains a high confidence level and in a comfort level with the system in our core we've met that challenge by preparing weekly exercises for the staff in a particular topic area that we felt could use some reinforcement your check indication want to be sure and check to make sure that a county is shown when you're performing your data quality assurance the court went live with the case management part of cm ecf on march fifth it delayed the electronic filing part of the system and so has begun to train outside users only recently we wanted to know the system very well before we went out to start training others your filing date you you never can mess with that because it's always going to be today's date so whenever you go to enter in this petition at your office it's not going to be entered until the date that you actually enter it you'll never be able to change that date case administrator lucrecia sullivan also volunteered to be a trainer she says comfort and familiarity are key factors in training users from outside the court number one we want to make the training as painless as possible we want it to be smooth your country your phone fax and email or all optional information if you choose to put that in then that's your decision but where it's not required for cm ecf sullivan who also trains court staff says she taught herself a great deal about cm ecf by repeatedly working in the training database whenever she had the opportunity i was docking emotions opening cases once i started training i was forever learning uh... every class that we taught there was always something something new that i would learn the trainers have spent a great deal of time and they they have the ability to translate their training into layman's terms i know very little about computers but they can speak my language so what we want to do is we want to review this information before we submit the transaction and this is a habit that you definitely need to get into when you start doing cm ecf in march when the court switched from band cap to electronic case management judge hudges asked that no paper files ever again be brought into his courtroom main reason i told the clerk that we didn't want more files in the courtroom was because i wanted to be a hero of the clerk's office it's easy to understand why the week before court i would start pulling files off the shelves and making sure that each document that the judge might need to review was tagged for the judge's review and i had to make sure that those documents and files were in order in the order that the cases would be called on the docket i no longer have to do any of that case number one forty four jay craig wittley hearing on motion for relief and stay of city national bank debtor's response as licey calls up each file it's immediately available on judge hudges screen court to court was there on a chapter thirteen motion day by lunchtime judge hudges had heard more than one hundred and twenty motions and we have not had a file in the courtroom during that whole process cmecf has had all those files there available to me what's remarkable is that the court has had a thirty three percent increase in new cases during the first three months of electronic case management as much to do after going live says the court's ecf coordinator karen hevner keep everyone informed internally and externally as much as possible continue to have regular committee meetings to be sure everyone's on task and train train train and you can go back to your docket report click on the reports hypertext link and choose docket report and don't be too proud to ask for help there's probably another court out there who has already experienced what you're going through and probably already has a solution or work around now once you submit it you're going to get a notice of electronic filing verification screen we hope you found these segments helpful please go to the fjc website at the address on the screen print out an evaluation form and fax it to us at two zero two five zero two court to court will continue to follow the implementation of cmecf and bring you more information from the courts themselves


So, Kim, you've had, you know, as many of us have, you've had some traumatic experiences in your past, and your journey to your current business has been complex as a result. And so are you kind of holding yourself back from sharing some of those traumatic experiences? Is that what it is? Yeah. Well, how I came to my resilience or how resilience came into my life and how it's been a part of my life since day one. So there's so much I could talk about. Yeah. But so I just don't even know where to begin. I have my marketing coach have been working on a story, but it's just not coming out. And it doesn't feel very authentic to me. Why not? Why not? Because she wants me to be a little more superficial. An example of superficial versus something that would feel more authentic to you. Well, she wants me to talk about how she. All the things I've done in my life to kind of build my resilience. Yeah. And so how all the skills and tools that I've gathered in my life are because I'm like a Renaissance woman, a deep learner. But there's really nothing in there about personally about how I came to my resilience. OK, OK, cool. OK. Because there's no there's not not the important details. Yeah. And so it's not like a story I can tell. It's just like I'm just reciting while I do this and I learned about that. And when I was a midwife and what, you know. Yeah. So it just feels like more like a resume than a story that doesn't connect. OK. Yeah. So where would the story be posted, like on your about page? Are you talking about your about page on your website? Well, the about page. And then when I introduce myself, you know. Yeah. You know, because it's very common for people to share how they came to doing what they. So essentially you're essentially you are. The question here is how do you write your bio? In an authentic way. Would that be correct? So because essentially there are several versions of your bio, your bio has several versions. So, for example, if you go to my media kit, which is georgetica.com, media dash kit, you'll see that my bio has a short version, medium version and a long version. And then the longest version is actually on my on my about page. My about page is the longest version of my bio, you know, which is like basically what I define as something important and how I came how I came to this experience, you know, my experience, you know, kind of going from transformation, my spiritual transformation, etc. Now, some of you might not think this is as authentic as I could be. Well, whatever, you know, I'm OK with it for now. But essentially, Kim, if I'm correct, remember, you're trying to come up with different versions of your bio. You're trying to come up with a long version, which is what you can share on an interview that might be half an hour long. Would that be correct? Like you're trying to figure out how to tell your story in half an hour or 15 minutes or five minutes or three minutes. Yes. And also, you know, when I do my start my online courses, I want to be able to talk about how important my my my experiences were and how that connects with other people, because so many people have so many. I mean, resilience is a huge factor in our in our life and recovery. Right. So so that's fine. So you've just summarized it. I mean, couldn't you go into it then? Mm hmm. Mm hmm. OK. You see what I mean? Like, I'm not clear what's holding you back from actually saying that. Or just kind of going into the story. What's holding you back from that? What's holding you back from that? Um, I get emotional. OK, OK, OK. And so there's emotional charge. Now, which is not a bad thing. It's authentic. Of course, you'd get emotional because it was such an important experience for you. Now, the truth also, the more you tell it, the less emotionally charged it will be. So it's also a matter of practice. Great. OK. That makes sense. Yeah, that's great. Thanks. I just kind of needed to hear that. Yeah, because other people are telling me to. Not use the emotions. So oh, yeah, no, absolutely use the emotions. That's those are the best speeches. Those are the best stories. The best writings have rich or rich in emotion. The best movies.  I mean, unless it's a technical tutorial or something like that, but it's not that in this case. So. OK, thank you. Yeah, that really helps. Thank you so much. Welcome. Thanks, Sarah. Thanks for sharing. I want to thank the chats here in support of Kim from Juliette and Judy. Thank you so much. I'll put the chats in the in the segment of the video in the comments below this video as well. Thank you so much.


What up, what up? Yo, we are back back here again Back here in the mix was good was good everybody Everybody was good What's Gouda? It's going down everybody man. It's going down with y'all man About to run us some call of duty man. Yeah, you wear some y and j is a clip on Instagram About to run us some of that caller a duty Let's see if there's any weapon packs. I want to buy. Let's see. You know what?  I can't even think of it. I'm being seen a lot of people use the The a max so I may pull that bad boy out Bro, you watch AEW. Nah, I didn't watch AEW. No, I'm not gonna use the fire shotgun and not now now Right now. I don't want to start off Charlie. I think I'm gonna pull out the a max man Here and create the class Right here assault rifle A max yes have not used this in a long time Yeah, I've been seeing a lot of people use the a max the question is what what a barrel should I use? Yo, why's he gonna try to? Do another try not to laugh with dub. I love seeing making the weapon sounds, you know, we are bro I just don't know what with a What barrel to use and I got lots of you I May I don't know I don't need this. I don't need this Definitely gonna hear this what up. What up was good dance a lot. It's going down my guy Pinnacle versus inner circle was good. You got to watch it man to check it out Hold on. Is this real? Is this real tray? Huh? What you talking about? I'm gonna see I'm trying to see if I'm gonna run this barrel or not. I'm not even sure I Think I'm gonna run this one. I think I'm gonna run this one. I'm gonna run this barrel It's just this one has the better recoil control Hmm, I don't know but that ADS speed is it is important. I'm gonna try it out I'm gonna just probably switch it out just to see do I have this goal? Yes I actually do I just go which barrel y'all think I should run should I run these? Zodiac or the squall which one Which one let me know is either the squall square squall whatever you want to call it or the zodiac barrel which one They have a lot of goddamn negatives. Yeah The only thing is with the squall It's just a lower Bullet velocity And with this one It's the aim down side-speed and movement speed We use the zodiac Yes, y'all sure zodiac is the one. All right. I'm pulling out the zodiac Shit go ahead and do this thing All right, let me go ahead and switch up my perks I'm running a quick fix.   I know I want to play cranked TV team my spit. No, I'm good shoot the ship All right Ladies and gents Will my first game be good or will it be shit-tastic? We're gonna find out We are going to find out Yeah, you guys were telling me that Daniel Brian contract and ended so Yeah, what's telling me that you should stream apex. Nah, I don't really play apex. I'm more of a Call of Duty guy That's my game Yo Ross, you have to watch the main event aew pinnacle version of circle Aren't they supposed to be having a pay-per-view match Ross can't wait to see the flip cup game on Friday Hey, it's gonna be nice. I was on commentary. Dub was on commentary. I think you guys are gonna like it I think you guys are gonna like it It's a dub a couple of days edit that video. So I think you guys gonna enjoy that So make sure y'all Stay locked in the azure's video will be dropping Tomorrow at 12. So we got to check that out. All right. Can I get something going? With this gun ladies and gentlemen Let's find out Let's find out don't you hate when that happens It's got the only game you play or you play more. You just don't stream or not That's caught on the mic. I usually play like that's usually the game I play all the time. Oh, wow Yeah, he was dead. Do you play with dub anymore? Yeah, I do sometimes but you know I'm saying he'd be he'd be busy.   I'm dead.  I have no kills. I'm getting irritated. I just got on here Getting irritated it seemed like my teammates are talking. I can't even hear them Like their mics is moving, but I can't hear them. Somebody's over here Look at this, bro. Look at this.  Oh, what am I and what's going on? I can't get nothing going Wow, I finally got someone Yay That's the thing. I'm in game chat I'm not in no party or nothing. I'm dead. Yeah, I don't play search Yeah, I can't hear none of my teammates Yo, my mic's not even registering Yeah, I gotta back out. I just realized that my mic's not even registering That's weird. No, my shit's on Yeah, it's not even picking up my mic.  There we go. Okay Speaking enough now. Yeah, see my mic wasn't picking up before My check my check. All right, cool. Yeah, I don't know what that was That was awful first game anyway, she was awful. You gotta try that again Ross. Hi. How are you doing today, bro? I'm doing good today, bro. Why did you reply back to me in on the intercuts video? Why did you what? Well, he's I'm up Is everybody is everybody know who is your favorite superhero? Yeah, I gotta do better with the typing man. I'm literally getting put back into that same lobby.  I just left They just released best moves. Yes, we know we know We know guys. All right now.   There's just be so many videos.  It's a good to me man. He got baited Only a nine kills I'm still pretty pissed for missing the other two seasons I'll be back in the session. I had to make space for my PC for the new resident evil and I'm right I'm kind of be playing What's up right now? I'm sitting here watching AEW. Are you gonna play wars on today? I don't think I'm gonna play was on the night not tonight. I'm thinking about adding a laser to this man Do you think I should have to tack laser to this? I don't know when there's resident evil drop I'm thinking about and I'm thinking about going I want to run the laser though. No cap. Then I may need to take off gripped in And put this on this is this is modern warfare. This is definitely not cold war, bro The graphic is not that good And cold war you can tell the difference All right rock the tack all right, I got the tack on here man Bro, I'm telling you them stuns in this game are Ridiculously overpowered at times, bro. You get hit with a stun. You're pretty much dead Why was he right there? None of my teammates saw him. I got him through the smoke That's crazy. I got stuck on the goddamn. I need some ammo Nope, no, no, no, they should be behind us.   No Did he see that me? I think he disrespected me by that.   Hey, thank you for the 20 man You always donate you don't even have to be something something small done too big a bro I appreciate that man.  Dude is definitely shooting my dead body, bro. The disrespect man Just shooting my dead body, bro That's how he feels.  I am not getting anything going Jesus, bro.  This dude stay shooting my dead body, bro Well, I got stunned easy Really, bro He's really talking about easy. I love people like that. We're gonna have to stay in this lobby We got to stay in this lobby We definitely have to stay in this lobby Because I want to beat this guy Definitely want to beat this guy. Oh, yeah, he yeah, definitely want to beat this guy Rolled Mike See look at this guy, bro. I Definitely staying in this lobby now. I Please don't break it up because you know how this game does. I'm gonna have to pull out the try-hard class Let me go ahead and pull it out, bro Please for the love of everything that's nice Please do not break this lobby because I'm gonna type in I'm gonna say easy, bro Oh my god, please don't break this lobby keep this lobby dog. Oh my god Ross leather content and work that you do loving the college these dreams Do you think Roman will keep the title all the way to rest mania? Most likely. Thank you for the five dollar donation Most likely will probably keep it Please don't break up this lobby Don't you do it? Because that dude was talking mad trash, dude And it's one thing I can't stand someone thinking they just cold as old God's here He was a decent player don't get it twisted. Is he in here? Is he in I'm played with user rapper before but is he in here? No? Why oh my god, I think it did I think it definitely kicked out the lobby. I think he's not in here no more I Play with user rapper before but Let's see if I can join his recent session.  Jesus Damn, I just spawned.   No, that's not a new map. They spawned over there. Of course they did. I don't even need grip on this gun I have grip on this gun. I have no idea. I really don't need grip on this run. I can take that off That's a great spawn game, that's a great spawn I love being spawned in the smoke.  Oh, I don't even have to write one on They're probably gonna spawn over here. Oh, they didn't They didn't spawn over here. Oh My god, he moted me from all the way over there Fix the spawning card. You know, that's not gonna happen. Yep We may end up getting spawn trapped. Oh We didn't he was trying to though. Oh My god Jesus bro, his name is the rose skin. That's how you know, he's sweaty. You got the rose skin on you're definitely sweaty. I Never can get the right spawn Yeah, anybody that's using a rose skin. They're definitely sweaty. Look at that But I just spawned it Look at this bro. Look look look at this.  Hope you're having a good night. Thanks, man. Thanks, right? Oh, no, I was reading it Haha, it's not fair. I can't get nothing going y'all and I'm at the bottom of my team With 29 kills when boys and pulled out to shotgun. Oh, what is this dude? geez man Getting destroyed team wise Well, the rose sweat is ridiculous What being him?    Well, that's game ladies and gents.  We'll see if they're gonna spawn over here. I didn't even see him into the very last second Geez, bro Jesus Use a rapper is he's pretty upset rapper man every game. He's been on the street He's been upset.  Use a rapper.   That was age, bro.  I didn't know Raiden was in this game.  I don't know But I'm okay with it cuz he he brings life to the stream If he's on my team if he's not on my team doesn't matter he be raging and I love it. I love it, man rage Embrace the hate as they say I wonder if he'll be on my team Let's find out Ross what transformers movie was your favorite? I don't know probably I like the second one First one was I like the second one. I like the second one User rappers on our team ladies and gentlemen. It's show time Ross. You know what to do not yet, man We're not even an hour in I actually want to Try now.  What's this guy doing? Y'all see this?   I'm getting out of here. No, that's gonna. It's nice We see others. Hey, what you know about that? We see out here.  Oh, well, all right. I was got a pair of black forces. No, I don't I actually do not You know a game is getting intense Same here. I definitely choose modern warfare 10 times out of 10 and I have both games Well, this gun melts Low recoil decent damage Well, it's instant melt Yeah, I'm not lagging on my end Yeah, I'm not lagging on my end. Yeah, I think we got this just dub in the bag Oh, I Repeat it who said how I'll tell you how it's the MP7, baby.  Oh My god, that's a good game. That was a good game. Gee. Gee 21 and 11 See user rappers not complaining right now because he won Lost what match would you want to see Roman versus step or Roman versus Alistair black? Well, Alistair black character is dead So no, I would not like to see Roman versus Alistair black because I don't believe you win at all But Roman versus step that would be cool later down the line when Seth turns face And I think his face turn will work work really well With Roman because they have history. I got on all black. Yes, but I am up to good. I ain't got black forces on That's the difference That is the difference ladies and gents. I can't watch Monday night raw. No more. It's getting too boring now I stopped watching a long time ago guys Monday night raw is about as entertaining as wet paint drying. Hey Ross I would love to see you do a movie reaction. It's kind of hard to do movie reactions There's a lot of editing that goes into that Because you literally have to cut I would literally have to watch the movie then rewatch the movie and cut out So much stuff for like copyright reasons. So There are channels that do it in shout out to them.  Hey, we're not getting a good lobby I Really want to play that one dude again. I thought he was super cold. I Was looking at the black red air forces Black and red air forces. I was tempted to buy see his black and red. That's different if it's all black You up to no good my guy. I actually got some new kicks So if y'all want to see my new kicks, I'll pull them out for you. I Got some new kicks If y'all want to see them, let me know. Oh Use a rapper. He's back. So I'll see you's a rapper, man User rapper is back. What up everybody? How y'all night? Yo, what's good, bro? Doing doing good All right, I'll show y'all the the new kicks after this game I will show the new kicks after this game If y'all want to check it out Don't we're playing the same map again Jesus Damn this team's already winning. I'll use a rappers on the other team. Oh Oh, use a rapper. You're not gonna like this game, buddy Oh, he was beat. Yeah, he was waiting See him back there. Oh user rapper Got some good teammates with some teammates that communicate Damn, I thought that was an enemy Happy single that my oh man I Didn't realize that they took it. Oh, yeah Krone Krone is in much my guy.  Oh He pulling is he doing that? Oh my god. That's what he wanted to do That's what he wanted to do. Oh, it's time to it's time to pull it out. That's what he wanted to do. Okay Okay Okay, that's what we're doing.     I only pulled out the flaming shotgun cuz they pulled it out So that's that's the main reason why I even pulled it out.  That was insane And we was doing so well. I wasn't trying to go rogue, bro.   I pulled out the flaming shotgun.  We're just gonna We should we're just gonna pull out the flaming shotgun Are we in the same lobby again? I think so yes, we are We are in the same lobby. I'm gonna start off pure if it gets toxic You know what's gonna happen. So I'm gonna leave it at that.   Okay It's about to be a cluster fuck, but I'm with it. I see one fire shotgun.  I'm gonna show that to this kid. I forgot. I was supposed to show the kicks I see I have a new new one right there. I'm actually gonna get a container for it tomorrow That's a new one under it. So Up there using the fire shotguns teammate couldn't have saved my life Damn it. Yeah, I got changed build up there for this. Oh, yeah, he's using a sniper. Oh Yeah, he's pulling out the sniper.     They still capped it. He should have say that Wilson He should have say that Wilson Say yeah, he should say that Spamming that Spamming the fire shotgun, bro. Jesus teammates in my way I'm trying to get this guy cuz if he goes on the street, it's gonna be a problem. All right.  What do you call it? Oh Don't land on me Yeah, we getting swept right now, man. I'm I'm trying I mean, I'm trying man. I'm about to drop a 60 bomb I dropped a 60 bomb Drop 64 man Can I get the 70 bomb y'all? Let's find out. I got the 70 bomb, man It don't matter. We're losing though Try it.    You are no longer cool. My guy.    Yeah Hold on. Yeah, that dude That dude's yeah, man. That that's not what's up. That's not what's up, man. Gotta report that guy, man offensive He doesn't have offensive.  What's good, bro?    I'll be playing with subscribers.  Yeah, that dude's an asshole Looks like someone made Ross must kill at all costs Yep, if he's if he's on uh, if he's on the enemy team for sure I just don't rock with people like that People like that. Not cool, bro. Well, I can't go up there And that's the thing.  That was a good name. Now. He's definitely white talking like that I'll spawn back over here. I'm not gonna cut some out man. Um I'm not really worried about about it that much You don't let people like that Ruin your fun, man.     Glad you enjoyed it Glad you enjoyed it my guy I love you guys man. You guys are amazing, bro Just wanted to say that Will not be here if it wasn't for you guys Oh, okay. All right. I was not paying attention. That's cool Can I not get up here? Oh, I got a double kill with that My sticky nades are not that bad.  I was trying to No, but seriously, man, you guys I've changed my life For the better, you know what I'm saying, so I ain't trying to get all sappy and sentimental, but I would not be where I'm at right now if it wasn't for you guys I wouldn't have this my crib or none of this. It wasn't for you guys. So thank you so much. You know what I'm saying You guys are amazing, bro I just have to I always want to you know Say it and preach it and stuff, you know what I'm saying That's just me I was not paying attention How did I lose that gunfire?   I did not think that was gonna kill him But it did we got it. Oh, we got the dub man Oh my god. Oh, that was close Who that's close That wicks blue dude was pretty good Oh man You know, oh, yeah, I'll be playing with subs tomorrow. So be on the lookout for that tomorrow session will be with subscribers We're also gonna get a shout out. I'm gonna shout you out one of my vids a ecp Tyrone Thanks for being uh in the stream consistently. I appreciate you, bro Was that a good enough shout out?  Who said that? Yeah, that was actually a fun game That was actually pretty fun Uh, it wasn't really too toxic much love from Detroit. Appreciate that man. Appreciate the love all the way from Detroit, man I love it. How do we play with you? You just send me an invite But I'm I it seems like every time I play this game.  Oh Thank you for reminding me. These are the kicks I got for today. Well, I got him a couple days ago right here, man. These look Beautiful. I love these bad boys. Can't wait to pull them out. I gotta give me a container form Let me know what you think of these. I like the colorway on it I'm rocking with these Yeah, I'll let you guys know. I will be playing with subs tomorrow. So Hope you guys ready for some wins That was not the only pair. That was not the only pair I actually got another pair today. And then I got another pair last week.  You claymore using That's cool I'll be using claymores too Bomb me a pair though. Uh, I don't know but I actually will be giving away a pair I actually have a couple pair that I will be giving away Uh, they're all in a size 11 Because I don't really need them. I can't I don't really fit them too well. So It's two pair Jordans and a pair of limited edition air max 98 So I will be giving those pairs away at some point. I just gotta figure out when I'ma do it I'm going off right now y'all.  Let's get it. Let's get it I don't know why you're not going to it. Yeah, they didn't go to it All right. Got 30 kills.  Thank you The link is in the bottom of our of every video. Just click the link, bro The link is there to get to walking my merch Oh, he tried to jump I'm on xbox Team age why you didn't kill him quicker What calling my gate somebody's calling my gate at this time of night, please I'm going off right now And I'm dead Well, I think we got this one, man. I think yeah, I think this is it. Yep. They forfeit it They forfeit the game Well, that's it y'all That's how you do it, man Easy dubs Somebody's calling me at the gate right now. I'm not sure who that is at 12 something in the morning I'm about to try to figure that out, but Yeah This was a good last game Who's that? I definitely do would not want to party up. We use a rapper.  All right, man I want to say thank y'all so much for joining in on the stream I will be streaming tomorrow with subscribers who'll be on the lookout for that Thank you guys so much for the love and support and I will check you guys tomorrow. See y'all later on


Good morning folks. Steve Rhodes coming July from the shores of, well, partly sunny Delray Beach, Florida. This year, Lebanon update. We got a bit of a mixed bag out there that makes us really only coming from one industry. That's Russell 2000 up about five points. That's a quarter percent. Dows down a most basically flat down 11 points. The S&P is not flat. It's down about three tenths or 12 points. The Nasdaq 100 off six tenths were sent 85 points there. The semis are down four tenths. That's a 13 point move. Trendy's are off about 37 points as well. Gold is up seven bucks with silver being up six pennies or seven pennies. Lightspeed crewed us off 12 cents. Natural gas down seven pennies. Looks like it's rejecting a prior swing point and the 30-year treasury printed out nearly one point to the upside. One nineteen twenty is the print. So let's go figure out what all this means by taking a look at that nine panel market update chart. We begin with the ES mini upper left hand side. We'll see that price right now is testing a very key level today. That level is forty three seventy seven. We're trading at forty three seventy five. Watch that close. We close below forty three seventy seven. Not a good prognostication for the intermediate term time frame spot. Bolton X is above the 50 day exponential moving average. That's always good for the bears. The NQ is trading below a key level of sport as well. That's at fourteen eight sixty five. That is the bottom of its weekly profile. The U.S. dollar index just like it did yesterday just like it did the day before trying to form a new daily profile. We want to have confirmation on this until some time Sunday evening will 601 to be exact. We take a look at the current profile though you've got resistance at one three fifty seven support down at one oh two nineteen. Goldilocks no bottom pattern a new profile that is attempting to form support here could be at nine twenty nineteen nineteen forty with resistance in the nineteen forty five nineteen fifty five level. Silver did form its profile yesterday resistance twenty two ninety five. That's been tested and rejected and support is at twenty two fifty six. Lights recruit and it's testing a key level of support. That's the center of its weekly profile. You close below that which is at seventy four twelve. I'm sorry at seventy nine fourteen. We're headed to seventy four twelve. Natural gas testing is prior swing point. This is a swing point from right back here the train day of August second a price closes inside that that would require a close vote to sixty nine. Volume or not price may go down and test that level. The bottom of its weekly profile support is at two dollars and sixty two cents. So those are the areas to be watching for natural gas. If we take a look at the three year treasury it's up one full point.  If it does that at day's end it'll generate a rosement to mitigate her bottom and suggest a move up to one twenty one eighteen. The top of the new profile that is attempting right now. Folks they do for the trader said show but it got to start your Friday. Please have a fantastic one. Thanks for joining us. We'll look forward to speaking with you again soon. Take care now.