Zero Accounting Software 2023. Reversing entry accrued interest.  First, a word from our sponsor. Well, actually these are just items that we picked from the YouTube shopping affiliate program, but that's actually good for you because these aren't things that were just given to us from some large corporation which we don't even use in exchange for us selling them to you. These are things that we actually researched, purchased and used ourselves. Here we have a Western Digital WD Elements 20 terabyte USB 3.0 desktop external hard drive. We use as part of our backup system, noting that if you lower the number of terabytes of storage, the price will lower dramatically as well. When you're thinking about a backup system, you're usually thinking about an online system or an external hard drive system like this or ideally some combination between the two given you some redundancy. You can also work directly from an external hard drive like this, but there are some drawbacks to doing that.  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We set up in a prior presentation, get great guitars. We're gonna duplicate some tabs to put reports in like we do every time. Right click at the tab up top so we can duplicate it. We will right click again so we can duplicate again. Back to the tab to the middle accounting dropdown we're opening the balance sheet. This is a comparative balance sheet. If you don't have it you can open the normal balance sheet. Tab into the right accounting dropdown. We want the income statement. This is a comparative income statement. If you don't have that you can open the normal one. Back to the tab to the left. We're continuing on with our adjusting entries. This time a reversing entry for the cutoff period. Meaning we want everything to be correct as of February 28th in our case because that's the cutoff date. And then we're thinking after that date is it necessary for us to do a reversing entry? In this case we're gonna say yes, we're gonna do a reversing entry. So let's review what we did last time and think about why we might need reversing entries. Not every adjusting entry will need a reversing entry. It's only when you have those timing differences that you'll need to do the reversing entries. So last time we were taking a look at our liability account down here for the $5,000 loan payable. We know there's a couple just adjusting entries you might need to do with regards to loan payables. One is with the accrued interest. That's what we did last time. We'll deal with breaking out the short-term and long-term portion of the loan in a future presentation. To figure the amount of interest we came over to our worksheet to do, well the journal entry by the way was an increase in the interest payable, interest that we basically, oh we've incurred but we're not gonna pay until the next payment that happens which is happening sometime in March. If we go to the income statement then we recorded in interest expense and expense for the $15 that we have not yet paid but have incurred because it's kind of like the rent on the purchasing power of the money. So if you rented office space for example, even if you didn't yet pay the rent if you use the office space on an accrual basis you would record the expense. Similar with the interest expense we used the purchasing power of the money and therefore we incurred the expense. Now the transaction we made our report over here or amortization table and we looked at the fact that the next payment according to our amortization table was 1,764.82 gonna be paid in March but it's for 30 days and 15 of those days happened before the cutoff date. So when we look at that journal entry normally the journal entry would be according to the amortization table here. This would be the normal journal entry if we didn't interfere with our adjusting entry then the normal journal entry would be interest expense, debit for the 1,4583 on the income statement. The loan would go down by the loan reduction 1,899 to the loan balance would then result in being at the 3,381.01 and the cash that would be decreased is the 1,764.82 on the payment. That is what we would normally record. Now remember if you're the other thing I just want to point out is if we're trying to make the recording as easily as possible in zero the breakout between interest and principle makes that difficult to do. So for example, you can see the payment is the same. If you make these electronic payments within zero that way you're gonna say, hey it's gonna come through the bank feeds and I can just record the bank feeds as an expense when they come through the bank feeds but you have a problem and that is that there's two accounts affected not just one. That's usually not too much of a problem because you might be able to work that into the bank feeds but you also have the issue that these two accounts over here are gonna change with each payment. They're not always gonna be the same breakout even though the payment amount will be the same. So you can't really automate the system within zero on the bank feeds. So another method that you could use is you could say, hey look what I'm going to do is I'm just gonna record the full amount 1,764 to the loan account which will not account for the interest and then periodically at the end of the month or year I'm gonna take the amortization schedule and properly adjust the loan amount to the amount on the amortization schedule and record the interest related to the period. That way the zero entries can be entered with just a simple bank feeds that you can memorize transactions and basically automate the process and then do the adjusting entry periodically possibly at the end of the year if you're just doing the reporting for tax purposes. So that could be the most easy automated thing to do. However, the second easiest thing to do is you're gonna have to make these payments according to the amortization schedule. That's what we're gonna imagine we are doing here. This would be the journal entry that you'd have to do for that first payment. But we already did this up top because we needed to pull half of that expense into an expense before the cutoff date before 228. So that would mean when this journal entry happens they would have to alter the journal entry, right? So they'd have to say, okay, well you already have recorded half of the interest last time. So the journal entry, they'd have to do something like this, right? It would have to be interest expense would have to be equal to the 145 minus the amount that we've recorded last time, this amount and then we would have the loan payable or the interest payable was increased. And last time, so it would have to go back down with a debit. And so that would be the interest, there'd be like this debit. And then I'd have to record the loan which would still be the same of this amount. And then the cash would be the negative sum of that. So same kind of journal entry except I'd have to break out the interest expense and reduce the payable account to make up for that 145.83. But this is a tedious transaction. You don't want the bookkeeper to have to do that. You don't want the bookkeeper to have to change things up. The other thing you could do is just say, hey look just record it according to your normal transaction here and just leave that loan interest payable on the books and then we'll deal with it when it comes around again next time and we'll just make an adjusting entry so we don't have to reverse it in that case as well. But we're gonna reverse it here. We're gonna say, hey look let's reverse it so this doesn't mess up the accountant. We put it on the books and we're gonna reverse it as of the first day of the next time period so that the accountant can just record this transaction the way they would normally do it. All right, so if I go back on over here and we could say let's go into the transaction we did last time, I'm gonna go to the first tab here and I'm gonna go into that journal entry by going to the accounting and open up the balance sheet report and I'm gonna drill down on it so that we can see the actual journal entry that we put in place. So I'm gonna enter here and then I'm gonna go into the interest payable which is a liability down here. Where did I put it? Done day, there it is. So there's the interest payable. I'm gonna drill down on it to the source document which is of course a journal entry type of form. And so then we can go into the journal entry. Let's drill down onto the journal entry. And so here's the journal entry. Now if I wanted to adjust this I can hit the drop down up top and say that we wanna repeat reverse edit. I'm gonna edit the transaction. And I wanna point out that normally when we did the adjusting entry they have this reversing tab. Now it's a disappear, they don't have it anymore. But there's a reversing tab when you first enter the journal entry. And so you could automatically reverse it when you put the entry in if it's a reversing entry, which is pretty neat. The other thing I wanna point out here is that you might actually wanna look at this transaction to see the debits and credits so that you can reverse it exactly. Now note, when you reverse the transactions sometimes people get a little bit mixed up on what the best way is to reverse it. And let me just show you what I mean. If I go over here and notice that by natural naturally for debits and credits I usually put the debit on top. That's what you're supposed to do. That's like the normal process. But if it's easier to see by putting the credit on top then my recommendation is that's what you should do. So I'm gonna format this by going to the home tab format and make a skinny M. And let's just do the same transaction. We could say this is gonna be the same here, debit, credit. Let's format this black and white and center at home tab, font or alignment, center, font, black, white. Let's center it, alignment, center. And then what I'm gonna do instead of reversing it instead of saying I'm gonna put the debit on top like this or whatever and then like this. That's still, that's not too difficult to see that way because there's only two accounts affected but it's still a little bit jarring because usually we read from top to bottom, right? And if I'm trying to compare these two the easiest thing to do in the reversing entry is just to stay the same from top to bottom and then just reverse the debits and credits like that. And so that's to me a whole lot easier to read than trying to re-organize the number of the accounts. So that's what I'm gonna do. So, and so when I do the reversing entry that's what I'll do over here. Let's do another manual. Let's go into the manual journal which you can go here or you can go to the account drop-down and reports and then we're gonna say this is gonna be the journal report and then we're gonna enter a manual journal with some manual labor right here. Make sure you're warmed up.  Let's go back on over to, this is gonna be as of all reversing entries are the day after the cutoff. So the cutoff for us is 228. All reversing entries are on March 1st. Now again, this confuses people a lot of the time so I'm just gonna point out that you're gonna say, look, the payment doesn't happen until March 15th so it would be more correct. You could be correct for 15 more days or closer to correct if you don't reverse it until March 15th because that's when, but we're not trying to be correct for every point in time. We're trying to be as correct as we can as of the cutoff date and then on the reversing side, I don't want the reversing side hanging out in the middle of the next period because then it's harder to locate and it confuses people. So we wanna reverse everything as of the same date, the first date after the cutoff so we can easily see one day being the cutoff entries and the next day being the reversing entries, sacrificing and being okay to sacrifice while doing that, the fact that we're not making everything perfect for the middle of the time period in our case, the month. Now notice, here's that reversing entry. So when I entered the adjusting entry, I could have just hit the dropdown and say reverse it and it would do this reversal for us, which is cool but hard to see and that's why we're doing it manually here so we can see exactly why we would do the reversing entry. So the accounts that are gonna be affected, we're gonna be debiting, we're just reversing this one, so interest expense.  So we put in the credit on top and you're gonna say, but that bothers me, that bothers me, but that's okay to get over it because it's easier to do it that way. But my supervisor doesn't like it that okay, then do what the supervisor wants, otherwise they might destroy you or something. But otherwise I think it's an easier process. And then we've got the interest payable here, the loan, and this is gonna be a debit. So interest expense, credit, interest payable, debit, reversing entry, let's post it and then check it out. Make sure it's on March 1st, February, January, February, March, okay. Just making, I had to say the months to make sure that that's the one after February. Sometimes I get them mixed up even though I do this every day. For crying out loud, you get mixed up, but I mean, okay.  We can actually, I'm thinking if I wanna add a column, let's add a column to our layout over here because that would be neat and I'm gonna add a column for the date of March. Let's add another column for March out here. Poor K-No, why not, you know, why not? So there it is, we added March. Let's update the layout and I'm gonna go ahead and save that. So let's just save the customization as that same report. So I think that should save it, all right, cool. Okay, so now what was I doing? If I go down then we can see now we've got the interest payable, we put it on the books at 72 and then I took it off the books and I messed up by $3.00, did I not put the right dollar amount in? Let me fix it.  This is the reversing entry. Let's drill down on the reversing entry and let's edit that. And put the proper dollar amount in, which is 72.92. 72.92, I don't even know what you did there. How did you do that? It's not even a dyslexified thing.  That's why we have the double entry accounting system so we can check the thing, you entered it right. So let's go back down to the balance sheet again and check it out. And then we'll scroll down and we can see now that we have the interest we put on the books and then we took it off the books. So now we took it off the books for the first day after. So if I go into the detail and we check out the detail here, drill it down to the source docs. This is going January through March, perfect. So we put it on the books with a credit and then we took it off on the first day after, even though the payment isn't actually happening until the middle of March. And then when the payment happens in the middle of the March, it'll look like this. They can just do the normal journal entry and not have to deal with the fact that that payable is on the books because if I look at the balance sheet now, the books look like what the bookkeeper, if we think of the bookkeeper as being separate than the adjusting department is doing, right? The bookkeeper is saying, okay, I don't have any interest payable messing me up, whatever. And so if I go to the tab to the right and update it here, let's add another column for February again because that's cool to do. I'm gonna edit this thing and add another column, another column, date column, and this is gonna be March. I mean, we already have February, this is March. Adding March and let's customize that and let's save the customization. So we have it there next time as well. All right, so now we can say that we have interest down here. So we had interest recorded and then we reversed it. Now, this should look kind of funny here because this is actually an increase. This is increasing net income. And it should be, it's down here, it's not an expense. It's kind of flipped because this is the other income and expense area. So this is actually looking, it's acting like revenue and it's an expense. So that shouldn't be the case. That will look funny. And notice the accountant, if you do this, the accounting department will say that, what did you do? There's something that looks funny there because now I've got this thing hanging out there. But if they record the normal transaction as of April, April, it will be correct. Meaning for example, once we hit this point where they're gonna record this transaction, what are they gonna record? They're gonna record a debit to interest expense of 145.83. When they do that, it will net out against this amount to give us the proper amount recorded in the second month, which is 72.92. So it will then properly break out and between the two periods, if we use this method without having to change the method of what the accounting department is doing when they record the transactions. But you have to kind of understand that so that when people ask you, why is that there? Then you can kind of explain, well, that's the adjusting entry. It's gonna make sense after you do the entry at the end of, or when the next payment is due March 15th in this case. So now you can see what happened is we recorded the manual entry that put it on the books. We can't see the manual entry because this is just March. Let's bring this back to FEB, FEB, we could do just FEB 28. So then we can see, we put it on the books before the cutoff date. So now we recorded the proper interest expense and then we reversed it after the cutoff date so that we can make the financial statements as of FEB 28, the cutoff date. And then after we reversed it, which results in if we run a report just for March, something that's not quite right, right? 72, you're showing like a negative expense account as of just the month of March. But it will be correct when they record their normal journal entry, in this case, in the middle of the month on March 15th and they record the full amount of the interest expense, 145.83 because it'll net out to half of it being recorded in March, right? That's the idea of it. Okay, that's what the reversing entries do. They're an attempt not to mess up the bookkeeping department so that you can do your adjusting entries and tweak everything to be perfect as of the cutoff date for financial reporting purposes, either for external reporting or for taxes and still not mess up the bookkeeper as they move forward with their internal reporting purposes. All right, so let's now open up our reports. Let's look at the journal report. I'm gonna right-click and duplicate and let's open up a journal report to see the journal entries we've been creating thus far. I'm gonna go to the Accounting drop-down reports and open up a journal, the journal report. This is my journal of activities. Some people like to write it down, write their journal with like prose text but this is what our journal looks like. Add a new journal, no, I'm not adding a journal. What are you doing? What are you doing? We're looking at the report here and let's make this as of the date, custom range and let's make it as of March 1st. So we had a reversing entry as of March 1st, boom. And so now we can see our reversing entry. It's a manual journal entry. We can also say that we just wanna see the manual entries up top and so we can see just our reversing entry there and we can generate this report and remember the reversing entries can be identified because they're always gonna be the day after the adjusting entry, the day after the cutoff, the day after 228, which is in our case March 1st because there'll be journal entries and because there'll be manual journal entries and because we're gonna post in the description that this is a reversing entry. All right, let's also open up a trial balance. I'm gonna hit the drop-down up top and I'm gonna go down to the reports again. I'm gonna make the trial balance for the whole year this time because this is the reversing entries are included in March, so we changed something after 228 after the cutoff date. So let's go to the drop-down and just say, we'll just say custom 2023, the end of it, I'm just gonna say the whole year and so this is where we stand. If your numbers tie up to these numbers, great. If they don't, then the things that we changed this time were of course the payable account and where's that payable account? Where's the pay, oh, it's gone now because we made it down to zero and then the interest expense account. Those are the things that we had a change to and remember it's not a change as of 228. We made it after 228. That's why we're running the report for the year.


Have you ever noticed how the media and CNN in particular is either attacking Trump and Republicans or promoting and defending Democrats? Well, today they killed two birds with one stone during an alleged fact-check segment where two fake journalists, one being Chris Cuomo, the other being this soyboy Toronto star propagandist named Daniel Dale. During this so-called fact-check segment, they made many dubious claims, but the one that really made my head explode was that Democrats aren't for open borders. The two spent most of their time dismissing that the Democrats have ever showed any support for open borders and the rest of the time suggesting that the media should just dismiss any of those claims. So basically, they're just having a strategy session where they're discussing how to cover for Democrats and their unpopular positions on illegal immigration. It's always hilarious to me how they frame their Democrat cover as hard-hitting journalism combating lies, when in fact it is they who are being deceitful. Okay, this is about, again, another straight attack on, hey, it's not me, it's got to be somebody else. Okay, it's Obama. Okay, it's the Democrats. Okay, this video isn't about child separation, but I just have to address this lie that the media continues to trot out. Child separation is not Trump's policy. He didn't make it up. Trump's policy is to prosecute every illegal entry into the country. Child separation is a consequence of holding the adults or the parents for prosecution. This is due to the Ninth Circuit Court's ruling called the Flores decision. This decision was meant to be a mechanism for allowing illegals into the country since it only allowed for the adults to be detained for a short amount of time. Instead of separating the children, you're supposed to just let the family into the country at that point. However, Trump is taking a harder stance and is prosecuting every illegal to cross the border and so children are being separated. CNN even had an Obama administration official on which they of course didn't identify as such, just a CNN contributor. But she admitted that Obama separated children, but of course it was completely different when they did it. And President Obama separated children from their families' wealth or from adults' wealth. It was for their protection. It was if there was a risk of trafficking or other kind of harm that might have been incurred. But even if he did do that, why is Donald Trump saying that two wrongs make a right? Again, Obama wasn't wrong.  They always rationalize their actions as being different. They never want to face their hypocrisy. And these days, they just dismiss it as a what-about-ism. The media has purposely muddied the waters on this topic, just like they manipulate footage of Trump and claim he called immigrants animals when he was actually talking about MS-13. I think the phrase open borders is an effective piece of political framing, but that's in part because it's so rarely challenged for its factual inaccuracy by the media. And I think we should challenge it because it's simply not at all accurate. What this guy is actually saying is that we need to cover up any support for open borders in the Democrat Party because this is going to be a losing issue nationally and our job is to get Democrats elected. It's so maddening that this little twerp can sit there lying through his teeth and think nothing of it. Democrats do pretty obviously support open borders, but they're not just going to come right out and say that. They do, however, openly support illegal entry into the United States. They support giving sanctuary to people who have entered the country illegally. And they support giving illegals voting rights and driver's licenses. For people who supposedly don't support open borders, they sure do support all the things that cause people to ignore the borders. At least one of the Democrat frontrunners has been open and said that he would destroy all of our existing border walls and it just happens to be the same guy that has people waving Mexican flags at all of his rallies, Betabito. Betta was asked if he would quote, take down the wall here during an MSNBC segment and he responded quote, yes, absolutely I would tear down the wall. So that's at least one big Democrat that said he's for open borders. Another big Democrat, the DNC co-chair Keith Ellison, is also an open supporter of open borders. Here he is pictured with a t-shirt that reads, I don't believe in borders in Spanish. Gee, I wonder why you would wear the shirt in Spanish and not in English. You see, these people do believe in open borders, but they just can't be open and honest about it. And while they're working towards that goal covertly, they have the media to run stories like this to deflect negative attention from them. All the while, their policies are systematically making the border and citizenship in this country completely meaningless. Never heard a single one say that they are for open borders and we ask. Meanwhile, mainstream Democrat voters are demanding open borders. Go to any anti-Trump protest and you're going to find many advocates for open borders. The championed women's march was filled with Democrat voters demanding open borders. Many of these protest groups, if not all of them, are closely aligned with the Democrat party. Suspiciously missing from any of this reporting is videos of these protesters and people promoting open borders. Where is it? As a so-called news organization, you would think CNN would be out there covering all of this, but instead they simply pretend as if it doesn't exist. Just like they do with all the hammer-in sickle flags and the Mexican flags that Democrat rallies. Like I said, this so-called fact check is more like a Democrat strategy session, where they come up with a spin to deflect from the unpopular Democrat positions on illegal immigration.  You'll never see any of these people defending Republicans from the claim that they're racist just because they want a border wall. Instead of reporting all the facts, they're just making them up as they go and suppressing anything that might contradict their claims. Hey everybody, thanks for watching. After you like, share and subscribe, head on over to my Teespring store and check out our new designs. If you have any suggestions or criticisms, please post them in the comment section. I appreciate all feedback.


President Volodymyr Zelensky described Russia's political and military leaders as bandits on June 28th and ruled out any peace plan that would turn the war on Ukraine into a frozen conflict. Zelensky made his remarks in a speech to parliament on Ukraine's Constitution Day, a day after Russian President Vladimir Putin praised his troops for their handling of a mutiny by mercenaries led by Wagner group chief Yevgeny Prigizin, declaring that Ukraine was on the way to victory, he said Russia's leaders must not escape justice for waging war on his country. The political and military leadership of the Russian Federation should not escape justice due to the fact that they supposedly have immunity as state leaders, Zelensky told the Rada or parliament. They are not the leaders of the state, they are bandits who seized control of the state institutions of Russia and began to terrorize the whole world. Zelensky signaled that he remains opposed to any peace plan that freezes territorial gains made by Russia since it invaded Ukraine. Ukraine will not agree to any of the variants for a frozen conflict, he said. Ukraine will not agree to any of the variants for a frozen conflict, he said. Ukraine will not agree to any of the variants for a frozen conflict, he said. Ukraine will not agree to any of the variants for a frozen conflict, he said.


I'll tell you when you compare the experiences back in the day versus now there's a huge difference Which experiences do you think are better? Hey there and Jrew22.com with a little general interest of log today, and this is about Experiences as you can see in the picture behind me is a photo of a rainbow. We had earlier this summer And I don't take pictures of rainbows, but I took pictures this time Because I wanted to make a video about it So this was I just wanted to have an original background that I don't I don't take pictures of rainbows Back in the day we we grew up with seeing rainbows all the time and it was it was more of an experience And just a personal moment of just looking at it and just looking at the sky and examining it Feeling it and just noticing the weather. It wasn't anything that you had to document or prove to anybody We didn't have a camera on hand I like to say it's a the lens we had the lens called our eyes and the memory card called our brains And most of the time when you saw a rainbow you either just appreciated it in general It was like a fleeting moment They don't last more than you know five or ten minutes at the most and if you're lucky You got to share it with somebody with your boyfriend girlfriend husband wife kids family friends What have you it was just a nice time to just sit there and look at it It was really cool, especially the more more pronounced Rainbows are really nice and it was it was nothing more and nothing less It was just a rainbow you got to see it for a few minutes cool Yeah, and then you went on with your your day or evening or life or whatever now What I noticed today is that today when there's a rainbow And especially if you're out in public and there's a rainbow It's here in the shopping of the parking lot that mall or whatever super market This is before the crisis and there was a lot of people out But if there was like a nice rainbow like everybody would stop what they were doing they would whip out their cameras, you know cell phones and they would be like hundreds of people in just your little area and if like a hundred thousand people saw it let's say in the in the New Jersey area they would all take pictures of it and instantly collectively Take pictures and upload the photo possibly with even an enhancing filter to their social media channels Of choice sometimes one two three or five or more channels look I saw a rainbow beautiful blah blah blah and then they might even get creative and add a quote or something and and Blessings or what have you? so it's they're basically so eager to post this and Share to everybody and since every thousands of people are sharing what used to be an individual moment Collectively and I'm kind of asking like do you see what's happening? It's like a beautiful individual moment by yourself or with some people a few people here and there is Pretty much being ruined by these technological advances It becomes just this one big everybody did it and saw it and then at that point And also, you know the meme all if you didn't take a picture didn't happen. That's what people think these days You can't tell a like an interesting story. Oh, man Imagine what happened we can you believe what happened to me yesterday or what I saw and you tell a story And if you're a good storyteller, you can you can set it up and have a really funny ending to it The storytelling is over. It's now.  So that's basically what life is boiled down to It's a AI driven photo filters and digital likes. Oh, I got 50 likes Oh, this guy got 200 likes on his rainbow and it's like this whole unnecessary new world And they compete to who can have the nicest photo or the best angle and then you get photographers They're really good at taking pictures rainbow. It's like let the rainbow be just experience it man. I don't know Yeah, I really do think it's unnecessary Then this is why we take a lot of pride in holding our ground when it comes to sharing moments Over and over and over and over again, and I'd rather Keep those moments to myself because I think it's a thousand times More beautiful when you just keep it to yourself and appreciate for what it is in your own body and your own soul You don't need Affirmation or approval from anybody to have a happy moment by yourself or with your loved ones So that's it. Have a great day. If you like the video Please hit like the subscribe and the bell and all that and I'll see you next video


Welcome to Toffey TV, it is the Everton News Daily. The ESSG, the Everton Supporters Stakeholder Group, will meet with Everton chief executive officer, Denise Barrett Baxendale, and other members of staff to discuss the proposals that would see an Evertonian or an Everton fan have a place on the board as a director. This has come on the back of Tracy Crouch's report, it's been going on since June. It's come about really because of the wake of the Super League and people trying to get, move teams into that ridiculous competition. Fans had a backlash obviously and stopped it and then it was thought that fan voices needed to be heard at clubs so Tracy Crouch got involved in putting together proposals for that and the best practices. The Everton stakeholders supporters group got together and formed back in June and as a result of that Everton will now sit down with the ESSG to talk about that. What they're asking for basically, the fan director on the board, the three real things they're asking for is to become a full member of the board. They will attend board meetings with no restrictions and with equal voting rights as the other board members. They'd be directly accountable to and elected by Everton supporters and they'd be suitably qualified and possess experience and competencies necessary to effectively operate at board level. And what it would do it really, and it's the big thing isn't it, is give a voice for us on board decisions. Right now there's nothing there, board members can do what they want. A lot of it is done secretly, we have no idea what is being discussed at that level and this means that having a fan director would give the opportunity for the fans voice to be put to the board members. It also, I guess, stuff that they're talking about would be able to gauge the reaction of the supporters and what they think about certain proposals that the board are putting forward. There has also been talk of a shadow board. Anyone who watched the business with John Blaine video that we did on Patreon would know what this consisted of. I think that's a good idea as well so you'd have obviously a shadow CEO, you'd have a shadow finance director and so on and so on, whether or not there's a new director of football, you'd have a shadow one of them and they would operate based on decisions being made on this side. They would be discussing them on the other side and I think that makes it a stronger situation but it'll be interesting to see whether this actually comes about. A lot of people view this as just being lip service by the football club but there's a real momentum gathering for this now and I think if a fan does end up becoming a director on the board, I think that's a big step forward for the football club and hopefully then proposals can be put forward based on what the fan base wants and we could maybe see the football club being closer to the supporters because at the moment it seems like we are miles away and there's a big division right between us. The other thing regarding this is they want this to be in place by the beginning of next season so this is where all of it, I guess all the negotiations begin and we'll see whether Everton taking on board or literally or whether Everton passing off. Everton have issued an injury update today, just what we need isn't it, with the news that three more players are injured. Ritialas New came off in the 57th minute on Sunday in the defeat of Christopher Palace. He has suffered a small tear in his calf and it looks like it's going to sideline for a number of weeks which is absolutely depressing. Andross Tarnden has suffered a small fracture in his foot and X-ray revealed that he is seeing a specialist later this week to determine the best cause of action for him and Seamus Coleman suffered a bone bruising and soft tissue damage after Ben Techey's high and late challenge which really should have seen him sent off but obviously VAR wasn't working. So obviously those three are out for the, certainly Thursday for Coleman, the other two will be out for a while. Coleman will continue to be assessed in May, May return against Leicester City on Sunday but I imagine he's definitely ruled out of Thursday's game with Chelsea so really we're getting battered from pillar to post by injuries at the moment and what more can we do, we've just got to hang on in there and see what we can do. Evan today being linked with the move for Dynamo Kiev left back vitaly Mike Lenko. The 22-year-old Ukrainian defender has been capped 21 times by his country. He's played 88 games for Kiev and scored five goals. He's got a good turn of pace about him, strong in the tackle, nice left foot. It obviously puts a huge question mark over Luca Deane's future at Evan. Deane has quite publicly had a fallen out with Rafael Benitez, he's been left out of Evan's last two games. This would suggest there's no way back for him really. Maybe the players decided themselves that he wants to move on and quite sure there'll be a few shooters for Luca Deane, you know French left back, lovely left foot. So if this move does come off then I think you would expect Luca Deane to go out the door to make way for Mike Lenko so keep your eye on that one. Finally Blackpool are keen to take Ella Sims back on loan in January. Sims spent the second half of last season on loan at Bloomfield Road. He's got 10 goals in 24 games for the Seasiders. They won them back in January and I guess if he's not playing games for Evan then put him back on loan because obviously they're playing in the championship now so he's gone up a level and see whether he can continue his development. Neil Critchley, the Blackpool manager really likes Sims, they worked well together last season so it could be a good opportunity to develop Sims further and give Evan a better idea of what his ability levels are. Sims of course did sign a new three year contract with Evan just a few weeks ago. That is it for the Evan News Daily, make sure you give the video a thumbs up, subscribe if you haven't and if you want to join us on Patreon we have daily live videos and lots of exclusives then check the link in the description. See you later. Thank you.


What is optical fiber cable, and how does it work? What does a fiber optic cable do? The way in which we communicate, has radically changed over the last two decades. Advancements in technology have led to a landscape where we can communicate with anyone in the world no matter where they are. And, more importantly, we can do this quickly and with minimal disruptions to quality. One of the driving forces behind this advancement is the availability of many fiber optic cable types. Fiber optic cables allow for a higher bandwidth and transmission speeds, over a greater distance than those achieved on copper structured cabling. What is a fiber optic cable? What is meant by an optical fiber cable? A fiber optic cable is similar, at least in aesthetic terms, to an electrical or structured cabling cable. However, its method of operation is very different. Instead of transmitting electricity over its cable length, fiber optic cables transmit high speed data via pulses of light. Subsequently these are converted from, and to, electricity both ends of the cable. What are fiber optic cables made from? Cables are constructed of long, thin strands of glass fiber that are housed within an insulated jacket. Therefore a fiber optic cable transmits light signals through its glass core. Depending on the specification of the cable, the light will either be sent via LED source or a laser. LED is where a multiple large zone of light is shone down the cable. In contrast a laser device, transmits a signal laser light direct along the glass core of the fiber optic cable. Are all fiber optic cables the same? To the naked eye, fiber optic cables all look very similar and the inner glass cores being so small, look similar even though they range in diameter. Fiber optic cabling can vary in the following ways. The fiber cable can be either single mode or multi mode. The fiber cable can have a different number of inner cores. Categories of single and multi mode can be categorized into sub-categories of different performance capabilities. The outer sheath can be suitable for internal or external conditions. The outer coating can be armored or surrounded by a corrugated steel tube, CST. The sheath can be PVC, LS-OH or Euroclass fire rated. There are two main types of fiber optic cables. Single mode fiber. Working with just a single light path, single mode fiber can transmit signals over distances of up to 100 kilometers. The electronics required to work with single mode fiber cables are expensive and are most commonly found in telephony applications, local area networks and cable TV. Multi mode fiber. These types of fiber optic cables differ to single mode fiber cables in that multiple light rays travel throughout the cable. This allows connections to be simplified and present a cheaper option. However, due to the light dispersion that takes place, the range on offer in multi mode fiber cables is much reduced. The distance on offer is usually around a maximum of one kilometer. How many cores in fiber optic cable? Fiber optic cabling works via a transmit and receive return path on separate cores. So two cores are needed for each connection. Standard office connections are usually four to 16 cores and will depend on the number of connections required. Larger core sizes are usually installed in larger projects or to allow for future connections. A design may call for separate connections between floors for network, CCTV, access, telephone and Wi-Fi. This would require a minimum of 10 core fiber 5 by 2 connections. Fiber optic cabling in computer networking. The backbone of any good computer network should always be fiber optic cables. Communication in business needs to be quick and it needs to be efficient. And fiber optic cables allow both these conditions to be met. Large files can be seamlessly transferred between users and communication via video conferencing can be delivered with a crystal clear uninterrupted level of quality. And fiber optic cables are more than capable of supporting large numbers of employees. Therefore, fiber optic cables are a fantastic choice when it comes to setting up any computer network. Copper cables will be installed from the cabinets to the user outlets and the fiber optic cabling will link the separate cabinets throughout the building or campus. Fiber optic cabling advantages and disadvantages. As with any product, a fiber optic cable comes with a number of advantages and disadvantages. Fiber optic cabling advantages. High bandwidth, compared to other cables on the market, such as copper, fiber optic cables provide the highest bandwidth available for transmitting and receiving data. Small size, a major advantage of fiber optic cables is their small size. This not only helps you to save space, but allows for simpler organization of your network. Distance, fiber optic cables are able to take advantage of their low power loss to transmit data over large distances compared to rival cables. Low error rate, the fibers within the cables are highly resistant to electromagnetic interference, so the risk of errors during transmission is significantly reduced. Fiber optic cabling disadvantages. Install issues, fiber optic cable isn't the easiest material to install due to its fragility. Bending the cables can easily damage the glass fibers, and the thin jackets also mean that they are susceptible to being cut. Costs, the many benefits of fiber optic cables do not come cheaply. And, compared to copper cables, they are much more expensive to purchase. With these benefits, it is of little surprise that fiber optics are fast becoming the cable solutions for choice for businesses that want reliable, fast connections. For a free quotation, please visit our website nmcabling.co.uk, or call at<PHONE_NUMBER>8.


Hello friends, I am Sanjay Gupta. In this video, I am going to demonstrate you how you can add heights of two persons using structure and pointer in C programming. Before starting, you can note how you can search my YouTube channel. You can type my name Sanjay Gupta in YouTube search. My channel will be available there. You can watch various programming related videos there. Now I am going to implement solution of this problem. So first I am including a header file that is a cdio.h. Now I am declaring a structure whose name is height. Inside this structure, I am declaring two variables of integer type, feet and inch. And then I have terminated this structure declaration. Now I am defining its variable inside main function. So struct height h1, h2 and h3. These three are variables of structure data type. And I am declaring three pointers as well, p1, p2 and p3. So I am going to access values of h1, h2, h3 variables through these p1, p2, p3 pointers. So first I am going to receive input from user. So the masses enter first height will be displayed on output screen. To read that input, I am writing scanf statement h1.feet and m% h1.inch. So this way height of first person will be stored inside h1 variable. Now after reading height of first person, I am going to display the masses, enter second height. Again to receive height from user, I am writing scanf statement and statements are h2.feet and h2.inch. So this way I have successfully received feet and inches of first height and feet and inches of second height. Now I am going to assign addresses of these structure variables into pointer. So address of h1 is assigned into p1 pointer, p2 will be receiving address of h2 and p3 will be receiving address of h3. Now through this p1, p2, p3 pointers, I can access the locations of h1, h2 and h3 structure variables. So for addition purpose, I am using p3 arrow.feet equals to p1 arrow.feet plus p2 arrow.feet. So here you have to notice that whenever we want to access members of structure through pointer, then we have to use this arrow notation. And if we access structure members through its normal variable that is not a pointer, then we can use this dot operator. So for addition of inches, I have to write this notation p3 arrow.inch equals to p1 arrow.inch plus p2 arrow.inch. So this way I have added feet and inches of h1 and h2 variables through p1, p2 pointer and result is stored inside s3 variable through p3 pointer. Now I have to convert inches into feet because after addition inches might be greater than or equals to 12. So I can convert those inches into feet. So for that purpose, I am going to apply if statement. Now I am writing s3.inch is greater than equals to 12. So notice that I am using s3.inch whereas I have performed addition through p3 pointer. So p3 pointer will modify s3 automatically because it is having its address. Now I can write s3.feet plus plus and s3.inch equals to s3.inch minus 12. So inches are subtracted by 12 and feet is incremented by 1. Now after this process, I can print the result in terms of feet and inches on output screen through s3.feet and s3.inch and at last returns 0. So this way feet and inches are displayed on output screen and I have added feet and inches of two heights through pointers. So now I am going to execute this code so that you can verify whether it is working properly or not. So it is asking for first height. I am entering 5 feet 6 inch. It is asking for second height. I am entering 5 feet 8 inch. So you can see the output. Edition of feet must be 10 and for inches it must be 14 but it is printing 11 2 because inches are added to 14. So 14 is greater than equals to 12. So 14 is subtracted by 12. So inches are 2 and feet is incremented by 1. So instead of 10 it is 11. So if we add 5 feet 6 inch with 5 feet 8 inch so the converted result will be 11 feet and 2 inches. So this way the program is working properly. I have implemented this code with help of structure and pointer. So I hope you have understood how we can process structure variables through structure pointers. If you want to watch more programming related videos you can search my name Sanjay Gupta in YouTube search. My channel will be available there. You can watch various programming related videos there. Thank you for watching this video.


Thank you very much, Chairwoman, for the opportunity to make a short statement. We appreciate very much the work by the Secretary-General in preparing his report and the ITU Secretariat in convening this forum at such an unprecedented time. As a global forum for exchanging views and information, we look forward to the discussion this week relating to the theme of policies for mobilizing new and emerging telecommunications ICTs for sustainable development. I would also like to take the opportunity to commend the informal experts group for all its hard work and dedication working within the constraints of our virtual meetings. We are grateful to Mr. Fabio Bigi for chairing the IEG and his continued support. It was an honor to work alongside such a wide variety of policy experts from around the world as the UK government's representative in the IEG. The group has done great work to enable this forum to consider five significant texts. We hope that in due course the forum will adopt them. We are doubtlessly, doubtlessly all only too aware that virtual working methods at an extra level of complexity. However, it is also important to acknowledge that virtual working has offered an opportunity for many member states and other stakeholders to participate more meaningfully in the process and that the WTPF IEG meetings would likely have been less accessible in another format. It is this multi-stakeholder and inclusive dialogue that gives strength to the work we have done. The range of topics in these opinions and the ITU Secretary General's report reflect the variety of discussions going on within the ITU, in international organizations and other fora. The opinions put forward by the IEG reflect many hours of collaboration and effort to understand the opportunities and challenges before us. It is up to governments as policymakers to ensure we do our best to create an enabling policy environment while also working to include other stakeholders in that process so that we have a better chance at achieving our goals. To ensure the benefits of sustainable development are inclusive, affordable connectivity is crucial, especially as it encourages innovation and entrepreneurship. Education skills and training are critically important in order to mobilize new and emerging telecommunications and ICTs and we can work together to share best practices and promote the availability of materials to bridge that divide. I will close by saying that we cannot achieve this on our own and there is great value in bringing together governments, intergovernmental organizations, and other experts to work towards a common goal of mobilizing new and emerging telecommunications ICTs for sustainable development. We thank the ITU for providing us the opportunity to discuss these issues and more at the World Telecommunication Policy Forum. Thank you Chairwoman.


Everyone, welcome to today's day trading update, today's Monday, January 4th, the first trading day of the new year. Unfortunately, we did not start off the new year the way we wanted. Down 1182 on the day, we took three mighty 90 trades. I had one winner, nice winner in beyond for 730, had a loser in Disney, and then Nvidia, our biggest loser, minus 1346. No pairs trades today, and then just one runner in DKNG minus 200. So let me show you what happened today. Let me expand this for you. Let's start with Nvidia, biggest loser here. So Nvidia made this initial push up, and we started getting short in this area. The good news is we stayed really small. The bad news is this thing just ripped on us. Had nice volume, nice push.  Started to get one here, didn't. So we added a couple times, stayed real small. Finally, when we got a little bit of reversal, we just ended up closing out the trade. Now, obviously as you see the chart in hindsight, this thing came all the way back down near the lows of the day at this point. It's about noon central at the time of this recording. But obviously this is hindsight, right? We've got to play what's in front of you, what's at the right of your screen at the time so we didn't know all this was gonna happen. However, so we took a loss on the trade. And this doesn't happen very often where you get very little pullbacks, and it just keeps ripping and ripping after a big volume spike like that. But that is the risk of this strategy. And so you've just got to take your loss, keep your position size small, and move on. So that was Nvidia. Disney was, let me go to our other loser, and then I'll get to a winner. So Disney, we were very patient on this thing.  We didn't get long until in this area right here started to bounce and then rolled over, didn't add, didn't add, got a little bit of bounce. We were trying to get out of some right here, didn't get filled, and then it just flushed lower. Still held on, still held on. And when it finally made this push lower, we just closed it out, took a loss on Disney. Never gave us the bounce that we were looking for. So the price action was not great today. Not only on those couple trades that we took losses on was it not great, but there was really not a great, a lot of great opportunities. We did miss a couple that we didn't get filled on or that we were looking at and never put our orders in, but overall the price action just to start the year just was not what we were looking for. Take a look at Beyond. Beyond was our big winner. I had this initial flush lower on this bounce here. Now you can see this volume bar is red here, but at the point we got in it was still green. So we got in here and just caught a quick, really nice winner here, booked 730 on that one. And then lastly DK and G, we took a runner here. So DK and G pushed lower into negative territory, came all the way back up into positive and started chopping around just under the highs of the day. We're really looking for this one to make a big continuation higher. At this point, the market was flushing and DK and G was holding strong, which made me feel even better about it. And then finally, I mean, the market was too much for it. I mean, if we look at all the futures, I mean, these things were just bleeding, bleeding lower. So even DK and G couldn't hold up and it ended up flushing us out. We just, we cut our losses pretty quick. So took a small loss on that one. So those are the trades for the day. Hopefully tomorrow is a little bit better. Like I said, price action was not great today. It was a very different day, especially with Disney, the way that Disney and NVIDIA pushed without pullbacks in our, in our mighty 90 strategy. So that happens, you got to learn to take a loss. You've got to, you know, that's why it's so important to keep your position size small. And we'll be back tomorrow to get it back. NVIDIA, you're on, you're on call, my friend, you owe us money. See you guys. If you have any questions, let me know.


Good afternoon. This is Seth Schuster, Regional Communications Director at the White House. Thank you all for joining today's Northeast Regional Press Briefing to discuss the importance of the low-income home energy assistance program, or LIHEAP, to Americans who are struggling with costs of home winter heating. A state-by-state breakdown of the funding should have come to your inboxes earlier today, but please reach out if you haven't gotten that release. Today, we are joined by White House American Rescue Plan Coordinator and Senior Advisor to the President, Gene Sperling, Assistant Speaker of the House of Representatives, Congresswoman Katherine Clark, House of Representatives' Royal Committee Chairman, Congressman Jim McGovern, Congressman Peter Welch, and Congressman Chris Pappas. Following the remarks, we will open it up for some questions. And as a reminder, this briefing is on the record, but the entire call is embargoed until its conclusion. And with that, I'll hand it over to Gene. Gene? Well, thank you, everyone, for being here. I'm particularly honored to be with these particular members of Congress because they, each to a person, have played a true leadership role on this issue of heating and home energy costs for low-income and moderate families. You know, for myself, coming on March 15 to be the coordinator of the American Rescue Plan, you know, I had been familiar with and had even advised from the outside on many parts of what ended up in the American Rescue Plan. But there were certainly many elements in this incredibly important and historic American Rescue Plan. That I, like many people, learned as they passed Congress. I think, as we got into this year, one of the ones that, to me, seemed so particularly wise, showed such particular foresight was the increase, the dramatic and historic increase in LIHEAP. Truly, at a time where one would have not seemed to have had a crystal ball on what our situation would be with energy costs today. But, you know, the people on this call, you know, really played leadership roles in making that happen so that as we have come to, as we have come to the winter of 21 and 2022, thanks to them, we are much better prepared as a country to help people, families who are, who without this help may have felt that much more oppressed and that much more of a struggle to meet their winter home heating cost. You know, it's pretty striking the appropriation for this year for LIHEAP, the average normal appropriation was around $3.3 billion. These congressional leaders had the wisdom to put in an additional $4.5 billion. So it is close to $8 billion in total. It's the largest amount for LIHEAP that our country's ever had, and it could not have come at a better time and wouldn't have come without the leadership and foresight, again, that they showed. So again, $8 billion in a single fiscal year is the largest since the program was established in 1981. In addition to that, you know, today we announced the November results for the emergency rental assistance program. This was a brand new program that also came out of the American Rescue Plan. Because it was brand new and people were starting up programs in over 400 states and jurisdictions, you know, there were struggles in startup costs in startup. But today for November we announced 665,000 rental families received assistance, just a striking amount, $2.9 billion went out. And it is important to know that that money is eligible and is being used not only to pay the backer rears, rental rears to help landlords and agree to have tenants stay in their home, prevent homelessness, have housing security, prevent eviction. But that funds also addresses utility costs as well. When you put the emergency rental assistance and LIHEAP together, we really are as well positioned as we could imagine being thanks specifically to the American Rescue Plan and again to these increases. And again, this was done with the foresight of not knowing exactly where things were going to be done this year. You know, today the the Biden administration released what those numbers actually look like state by state. So for example, Massachusetts, which is being represented here quite well, you know, is receiving $107.5 billion, $187 million of that is from the American Rescue Plan, $187 million, New Hampshire is receiving $60.7, $35.5 million from the American Rescue Plan and Vermont $45.5 million, including $26.6 million from the American Rescue Plan. So their efforts have led for their own states but most importantly for really all 50 states are more than doubling of the resources available just in LIHEAP and far more than that when one considers the potential utility help relief for low and moderate income renters through the emergency rental assistance. We worked as an administration to bring together governors to do a series of consultations with the people who run the LIHEAP and ERA programs to make sure that people were ready using best practices, coordinated and that you know again coordinating these new streams of funds, none of these states or cities had ever had to try to coordinate utility relief from a emergency rental program and LIHEAP at the same time. And I think there's been a very strong response. We also at that time put out what we felt was a series of best practices that we asked utilities to live up to which included you know how they worked with and shared information in terms of getting out both LIHEAP and emergency rental assistance dollars and you know including you know commitment to not do shutoffs during this difficult winter for people who are in the pipeline and participating in these programs and we're very happy that 14 utilities including several utilities that are serving the states of New Hampshire, Massachusetts and Vermont have stepped up and made that commitment and we hope more will you know their commitment was to proactively identify customers who might be eligible for LIHEAP or ERA, proactively inform customers of energy assistance, proactively work to speed out the distribution and as I said commit to placing a hold on any utility shutoff when a company is notified the customer is applying for either of these financial hardship programs. I will also mention that state and local money that was part of the American Rescue Plan that each of these members helped lead and pass is also available and has been used by some states and cities as well. So with that I want to you know again thank congress congressman Pap, congressman Welch, chairman McGovern, the congressman congresswoman and assistant speaker Catherine Clark for being here a couple of people here I have worked with for a long time on different issues over more than one decade. I really appreciate it but your foresight and leadership here has just helped millions of people are we going to make life better for millions of people this winter we're not satisfied there's more to do but I'm but thank you for joining us for what you did to pass this most of all and for joining us in this effort on this call today and then the efforts we will take together to push to do more as we go forward. So with that let me turn it over to congresswoman and assistant speaker Catherine Clark the floor is yours. Oh well thank you so much and good afternoon to everyone on the call and thank you especially to the White House for bringing us together to discuss how we are lowering energy costs for American families and a special thanks to Eugene for all your incredible efforts to implement this historic American Rescue Plan as well as to my colleagues joining today's call Chairman Jim McGovern congressman Peter Welch from Vermont and congressman Chris Pappas from New Hampshire these members are champions for ensuring everyone can afford to heat their homes and as a member of the New England delegation and the Appropriations Committee funding for LIHEAP has always been a priority and with the winter months comes the reality that too many families are forced to choose between their heating bills and eating or paying other bills the home energy assistance program provides financial support to low-income families that helps them stay warm and stay safe and as this pandemic has continued to spike energy costs more families are struggling to make ends meet and to help meet this growing need President Biden led and congressional Democrats delivered the American Rescue Plan that as Gene already mentioned has more than doubled LIHEAP funding adding four and a half billion dollars to the annual appropriation in total my home state of Massachusetts will be receiving over 307 million dollars for heating assistance the highest level of LIHEAP funding the Commonwealth has ever received and for the average family receiving this assistance this means an additional 400 dollars in financial support furthermore the American Rescue Plan provides states and localities with over 21 billion dollars in funding to help renters with past due utility bills and ongoing assistance with energy costs to avoid shutoffs state current on expenses and stay safe these programs are about ensuring the dignity and health of all Americans and I am immensely proud to partner with the White House and my colleagues to lower costs for families our message to the American people is clear we see the challenges you face and we are meeting them with real solutions lower costs lower taxes and a stronger economy that supports the stability and success of every family and now I'd like to pass the virtual mic to my friend and colleague Chairman Jim McGovern Jim we can hear you how's that can you hear me now yes all right let me start again first of all Catherine thank you and I'm proud to serve with you and I also am proud to serve with Peter Welsh and Chris Pappas I want people on this call to understand that we in the New England delegation we work as a team and we look at the entire region and I think it has been helpful not just in Massachusetts but to New Hampshire and Vermont as well and thank you Jean you know we we appreciate your leadership we are glad you are where you are and thanks for helping to organize this call I'm going to get to lie heap in one second but first I just want to highlight the December jobs report that was released today because I think it's a big deal you know when President Biden took office the unemployment rate stood at 6.4 percent and thanks to his leadership in partnership with Democrats in the House and Senate America's unemployment rate hit 3.9 percent years ahead of expectations it was the sharpest one-year drop in unemployment in American history 84 percent of jobs lost during the pandemic have now been regained and we know so much of that progress is due to the American Rescue Plan that we all supported and work very hard to get past over Republican obstructionism and thanks to the American Rescue Plan as has been announced Massachusetts receive a lie heap allocation of over 300 million dollars for this fiscal year and that is a game changer I cannot underscore how huge this is it is more than double our normal lie heap funding and I also want to take a second to recognize someone not on this call who has been important in this fight that's Congresswoman Rosa DeLoreau of Connecticut together we help make sure that lie heap funding is more equitably distributed among states and I'm proud that because we led that fight to change the formula New England will be receiving more money here than we otherwise would have and finally I want to talk about who this means what this means for families in my district no family should have to choose between paying their energy bills or paying for other necessities such as food or medicine during dangerously cold days but too many families in the second congressional district have to make that awful choice too many families lose sleep because they're thinking about what they're going to do how they're going to survive when their utilities get shut off and that's why I also want to commend the White House for working with us to call in utility companies to prevent devastating utility shutoffs and help expedite the delivery of federal aid here in Massachusetts like my colleagues on this call I my constituents put up with frigid winters and nobody should walk into their own home and be able to see their own breath because they had to choose between heating and eating nobody should have to make that choice it's it's immoral and so when you talk to the organizations that distribute the money they have to make heartbreaking choices about who gets heating assistance because they can't help everybody and I'm grateful for the incredible work of the community action agencies and particularly these staff of the community action agencies that do so much to try to make sure that families in need get the help that they're quite frankly they deserve and so again I want to recognize President Biden for making this historic investment that will really make such a difference for low-income families it will make a difference for senior citizens and for veterans in Massachusetts that throughout New England who rely on the support of LIHEAP to heat their homes and so let me at this point turn the program over to my colleague from Vermont who I've had the honor of serving within the rules committee at for a period of time but who is somebody I admire greatly a congress congressman Peter Welsh. Thank you very much Jim I want to also thank the White House in Jean you've been doing tremendous work for years in my colleagues Catherine and in Chris. Number one it is really important to emphasize the progress that's being made because COVID is wearing us all down it really is tough and especially in Vermont we've got vaccines in arms and we're up to 95% vaccination but we're still having an explosion of cases with Omicron and it's wearing folks down and we've got to hang in there and the fact that there are really positive things really cutting the unemployment rate in half people have jobs that we're going back to work that we're confident that with all the vaccinations that are out there we're going to start bringing that infection rate down but COVID has had impacts and where emotional impacts on everyone but folks who don't have money in the stock market have seen the cost of the necessities increase and they don't have an upside because the folks that are going to be receiving the benefit of fly heat don't have the way to pay the bill to heat their home and it's cold here in Vermont right now and that is a level of insecurity you can see your breath in your home as Jim McGovern said and just think you're a disabled person or you're taking care of a disabled person or you're a mom or dad mom and dad and you're taking care of young kids and they're not only hungry but they're pretty cold so the necessity of having this supplement in our funding for fly heat is absolutely existential for so many of our Vermont families and thanks to the combination of the funding and the art of money we're going to have 45 million dollars in in Vermont that's the largest that's the largest amount we've ever had over 39,000 Vermonters are absolutely dependent on this funding seniors especially and in Vermont one in three one in three of our citizens struggle with paying the bill for home heating so this is absolutely vital it comes at a time when the margin within a family both economically and emotionally with us batting down the hatches to try to get through COVID this is a moment when the need is especially great as I say financial and emotional so I want to thank the White House and I want to thank my colleagues for the determination to not force people to make this choice between eating and eating thank you very much well thanks Peter I think I'll pick it up from there and then we'll turn it back over to the moderator to see if there are any questions but I want to thank my colleagues from the New England delegation for your long-standing commitment to helping bring more resources to families who needed in our region and all across the country who are struggling to pay the bills nothing could be more important as we enter these tough winter months and thanks as well the Gene Sperling for your leadership and to the White House for helping to leverage these resources for families in my district and across the country we know that cold and snow is part of our way of life in New England we're seeing that today but we also know that the winter months bring hardship for a lot of our families and so as we enter these cold days we know that heating homes and being able to afford home heating oil is a critical concern to so many of our families especially lower income individuals and families who are struggling with increased prices over last year so that's why these funds through the LIHEAP program and the American Rescue Plan are just going to be so crucial to making sure that people can pay the bill make ends meet and stay healthy and stay strong through the winter. Each year New Hampshire LIHEAP provides assistance to more than 30,000 households we have an annual appropriation of about 25 million dollars which as Gene indicated is going to be increased by 35 million dollars because of the American Rescue Plan dollars that's a significant increase and is really going to help families who need it most the additional funding has allowed our state to be able to increase support for home heating assistance to families by about 60 percent this winter so that's welcome news to residents and families here. In my state our CAP agencies administer the program to get funding out to communities I actually had a round table a few weeks ago with our CAP agency leaders who were talking about getting folks to apply they've seen a large volume of folks filling out applications and already receiving assistance. Our largest CAP agency is Southern New Hampshire Services they do about 12,000 applications for assistance a year and they've seen an increase over that this year and also an increase in the need not just for fuel assistance but for help paying electric bills too. I talked to another CAP agency in my district who remarked on the number of folks that she hears from who are keeping their homes at 40 or 50 degrees during the winter months we're talking about people who are elderly who are disabled parents with kids at home we know that's not a safe and healthy environment for these individuals so this funding couldn't come at a more important time for granted staters it's really going to allow our local community action agencies to get this help where it needs to go and so I would just urge anyone in my district to reach out to their local CAP to get connected with assistance so thanks again to everyone for being a part of this call and helping to get these resources where it's going to make a difference and I'll turn it back over to the moderator. Thanks Congressman Pappas now we'll take some time for questions um if you have a question please click the raise hand button at the bottom of your screen and you'll be added to the queue I'll give you a few seconds to do that and then we can open it up we'll first go to Angie Gonzalez. Hi guys um specifically I wanted to reach out to Representative Clark and Representative McGovern because I specifically cover Massachusetts was there a reason that you two ended up on this specific you know call but effort to make sure that there um was enough money for families this year is there something specific about Massachusetts that you think is uh going to benefit from this extra money in the program? You want to go ahead Jim? Go ahead Catherine. Okay uh thank you so much for the question and uh you know uh LIHEAP has been important to me since I first served in the state legislature because we have uh cold days snowy days like today and we also have high cost of energy in the best of times never mind uh following uh pandemic and uh and what that's done to um our global markets so this is critical to families at home and um I am so grateful to this administration for their leadership and help in framing the American Rescue Plan and looking um in a holistic way at what we needed to do to get uh base status and families across the country the help and the relief they needed and I think that Massachusetts is one of those states where our high cost of living um really necessitates this investment in American families and lowering their costs to help them uh get back on their feet and stay warm and secure this winter. And I'll just you know let me associate myself with the remarks of Catherine I mean she stated it very succinctly but look at we have every year not just Catherine and I our delegation the New England delegation we fight like hell for adequate LIHEAP funding in the appropriations process and then we oftentimes have to we fight for you know supplemental emergency appropriations because what has been allocated is not enough. Families in Massachusetts oftentimes have to face this difficult challenge between putting food on the table or heating their homes and with this additional allocation that's being announced today we want to again thank President Biden for his leadership on the American Rescue Package but hopefully fewer families will have to make that decision you know I spent a lot of time working on issues of hunger and food and security we have a hunger problem in this country and it's exacerbated by things like high energy costs and so um so this is a big deal I said it in my opening remarks this is a huge deal for Massachusetts it's a huge deal for New Hampshire it's a huge deal from for Vermont and so you know this is who we are I mean these are the programs we go to bat for every year and and again it's not just Catherine Catherine and myself is our entire delegation and it's the entire New England delegation. Thank you. Nice to know Haley. I just also want to point out you know these particular members on the phone for me looking back at the history of this I look to a January 29th letter that was from Congressman McGovern and Welch January 29th as the package was just being together that was both Speaker Pelosi and Minority Leader McCarthy specifically asking for this letter so January I was January 29th 2021 just as this was being happening at the same time Congresswoman Clark just just before the break led a bicameral letter to HHS also asking for more actions on these and Representative Pappas was one of the key signers of a letter to the president on a variety of issues including this so you know I think each person here has been a particular leader on this issue and again I think that January 29th letter was to me one of the real instigations at the beginning for this for this inclusion in the American Rescue Plan. Well nice to go to Haley Fuller Boston Globe. Hi so this is directed representatives McGovern and Clark again but I was wondering do you have the data on either percentage or number of Massachusetts households that have received this assistance in the past and that are expected to receive it this year? I don't have it off hand but I we can get that to you I mean that's that's unless Catherine has it. I don't have it in front of me but we'll follow up with you on that. Great thank you so much. But can I just say in the past you know the the the the demand has always outweighed your money that has been available to provide assistance and so that is why we are so happy that the American Rescue Package has this additional $300 million from Massachusetts but we'll get you the statistics. Yeah and I just want to follow up a little bit on what Congressman McGovern just said because one of the problems with as these funds get low for people who are still using oil to heat their homes we can't do a partial delivery and so it really does become a crisis and having this additional funding up front that people and especially the agencies that help implement the LIHEAP funding this will make a huge difference and will make a much smoother way to deliver this assistance to families in need. We'll now go to Sarah Rose Brenner at WBUR. Hi actually it's Dave Fan of the WBUR taking Sarah Rose's place today. Just quickly I would love that data as well if you could email it out over to us. I did speak with some CACs yesterday and one of the things that struck me in the conversation was the lag time between the announcement of money is coming and the money actually getting there so what what are we looking at for lag time before agencies like ABCD can actually get the funds? Gene do you have any updated information? How quick the money will get out? Well the the money flows to the state and and so it really is for the state at this point to do the distribution but I'm happy to I'm happy to check check as well. Yeah we're happy to follow up on that. I think we have time for one more question and we'll go to John Salant New Jersey Advanced Media. Thank you for doing this call. I don't know if you can from my state though I have talked to Peter Wells about drug prices and Jim McGovern about sub rules for the rules committee. The question for any of the lawmakers. Well yeah as we know prices the energy prices are still high no indication how much they will drop going on as already and you're doing the appropriations bills for next year as we speak and you talk about trying to make sure there is extra money like this but like in the American Rescue Plan for the next fiscal year for next winter in case prices stay high. Peter you're on mute. I was just saying that I think everybody on this group is committed every year to assessing the reality of the situation families face and obviously higher prices means that the set amount of LIHEAP money goes it doesn't go far enough so we don't know what the future will be but we'll be prepared to advocate for funding to make certain families here secure. I suspect I speak for all of us on that. Just on the last question this is Gene the American Rescue Plan money actually went to states in you know in April May of this year and then the normal appropriation amount went out in November so funds are at the state level so you'd have to ask at a more gubernatorial level you know issues on the distribution but the money from both the American Rescue Plan amount and the normal appropriation amount has been distributed by HHS to all of the states. And John let me just say that I think again I speak for everybody here we're going to do all we can to make sure that the next appropriation cycle includes as much as humanly possible to support the LIHEAP program and you know in the past when we've had divided congresses and we've had different people in the White House it's been awful it's been sometimes very difficult to get them to appreciate the importance of programs like LIHEAP. LIHEAP these programs you know are literally help prevent families from having to make the difficult choice between heating their homes or eating and so so we're going to this will be a major you know focus for all of us you know whether it's Chris or Peter or Catherine myself so and you know to the extent that we can continue this in the future I don't want to get political but I mean you I think it's important that there that there be people in congress who actually understand what this program does and why it is so important and how many families working families rely on this as well as senior citizens and veterans so so we're we're rolling up our sleeves and we're ready to get to work on the next appropriation like we want to we want to make sure we pass the last set of bills as well and we're hoping to get to that you know in the coming month so I yield back thank you I think we do have time for one more question I see Melissa Burke from the Detroit News has had her hand up for a long time so I will let Melissa go and then we'll wrap and I'll encourage anyone else who has a follow-up question to shoot me an email and we'll be happy to work through it offline hi thanks thanks I appreciate it I actually I think that the last question actually Jean just addressed what I was just trying to clarify that this was money sorry this was the the the the ARP supplemental that went to the states last May or last summer and then the regular allocation that was in November so basically all this money has already gone to the states and they can use it what through the end of fiscal 2022 I mean I don't know I believe you have to use 90 I should double check because I believe you have to have used 90 percent by by the end of the by the end of fiscal year so this this would this would still be funds that could be on the winter be used you know for for those places that face heating challenges you know clearly Michigan you know is had among the more innovative proposals I mean you know distribution and in terms of you know just to emphasize what chairman government was saying you know this is this is the most ever but it does not cover all those who could be eligible and when you're asking about you know the questions about how many people are going to get it I think every state is looking at the issue of expanding the number versus also deepening the cost deepening the payments for those who have higher costs and so one of the reasons we encourage people to look at the emergency rental assistance if some of the people could get help through that who were renters perhaps that would allow more funds for homeowners but all of the the states here and the caps that distribute et cetera you know all have to make some level of decisions between broadening the numbers that you know and I think most of them are both broadening the numbers but a lot of them are also expanding the costs for those who are going to face higher than normal heating costs over the over the winter. Could I follow up there with could you speak to why Michigan had to touch an innovative proposal? Well no I think they've had a strong plan but let me I will I will I can call you back to go over but in our initial fact sheet that went out they were one of the places that we that we highlighted and Governor Whitmer was one of our participants on on the call that we did in November so let me let me get that for you. Thank you. All right everybody thank you so much for joining this call this afternoon thank you to our wonderful participants uh take care and have a good one and stay warm.


Next I'd like to welcome to the stage Nusrin Nusari. Nusrin is from the ANU College of Engineering and Computer Science and the title of Nusrin's three minute presentation is Just a Puff of Breath. Last year a friend of mine passed away from lung cancer. She went through four rounds of chemotherapy or without success. It was too late for her. If you had been detected as stage one the chance of survival would have been more than 75 percent. But at stage four her chance was only 6 percent. It's not only my friend. Do you know how many people in Australia died this year from lung cancer? Just lung cancer. 9,000 Australians just in 2015. But what if we could detect the disease at the very early stage when the chance of recovery is much higher? In my PhD I'm doing this by looking at your breath. It might seem invisible but your breath tells the story.  That 1% includes thousands of organic compounds or biomarkers which can help me to detect the diseases such as diabetes, breast cancer, kidney failure and lung cancer. But there is one big challenge here, concentration. The biomarkers concentration difference between healthy people and patient is only parts per billion. How small is that? It's like finding one drop of blood in an Olympic swimming pool. Is it really detectable? Yes, dogs and bees have the ability to detect parts per trillion, thousand times less concentrated. Now the question is how we can make something that is sufficiently sensitive to detect this tiny concentration? The answer involves a fingertip sized sensor made by billions of nanoparticles. Each of them have a diameter of a few atoms, thousand times smaller than the tip of your hair. If you blew into my sensor it can detect any tiny possibility of having a disease in your body. It's 100 times more accurate than what we need and it's small enough to fit in your phone and help you to check your health every day. My research into creating this technology can empower us, this more knowledge about our health, our body and can help us to save many, many lives in the near future.


Nico Osher here presenting on behalf of myself and my co-authors, our presentation entitled creation and use of a stock images database to make lectures more diverse and inclusive. Our objectives are to first briefly define stock images and explain their value for designing course materials as well as other enduring resources such as those used for research, describe how to properly assess your right to digital images and properly attribute content to its creator. Describe an approach to creating and using a stock images database in my course and I will share that database and my goal for you is that at the end of this presentation you are able to add diverse images to your own course materials while properly citing the creators to diversify your content and make it more relevant for your students. So some brief background on stock images they're basically photography and other graphics drawings etc supplied by professionals and by individuals that are licensed and made available online often through databases for creative use and application in other presentations. Why use stock images? There's that old adage a picture's worth a thousand words. We know that a lot of people learn visually and benefit from pictures supplementing their content. It helps to promote retaining of information and it's consistent with universal design for learning's concept of multiple means of representation to reach the students as best as possible and ensure that learning happens for as many learners as possible and we as educators are already pressed for time. We need to save time and we don't have extra time to becoming a photographer, spending all that time editing photos, uploading them etc. Why reinvent the wheel when there are great stock images out there for you? So why use diverse images specifically? It fosters connection to course material for students and helps students feel represented by the content and the course. I am a white masculine presenting transgender person and I have a very narrow perspective. I put my bitmojis in my lecture. I'm always white they're always white. Adding diverse images can help students to feel welcome and I teach in a school of nursing so there's also a competence component that's important to consider. It helps students develop skills related to cultural competence and cultural humility. It helps to get people thinking about different groups and backgrounds that they do not belong to and in the context of provision of health care it helps to improve and maximize health outcomes by helping providers to accurately diagnose conditions and create culturally relevant care plans. As a concrete visual example skin disorders look different in different races skin types but a lot of presentations that you'll see on skin disorders only feature the condition in white skin. So using the stock images resource to find images of psoriasis in Hispanic individuals, black individuals and Asian individuals can supplement what the students are already receiving seeing it in white individuals and will allow them to move through their clinical careers with more competence and more confidence in leading to accurate diagnosis and facilitating proper care plans. Some barriers to using inclusive images is that faculty don't know where to find them.  There are a lot of databases available that share stock images and I basically made a master database of databases it's shared here for you to use you can follow this tiny url type it into your browser or you can take out your smartphone and use the camera feature to scan this qr code and it will take you to an air table so that addresses barrier one and the rest of this presentation will go through the stock images database in a little more detail and talk about some applications. The other barrier is that faculty don't understand the logistics of crediting creators and deciding where they're working from. There are lots of different ways you can do this and you'll see in this presentation I put down at the bottom this image of this person holding a camera is from the Canva template for the slides that I'm using. These skin disorder pictures came from Durham Atlas. This image came from Canva and this is a bit emoji. Here's some additional information about rights. We as academics know that attribution is important it's a key component of academic integrity and on a personal and societal level it's important to uplift content creators creating stunning images is a lot of work photography drawing etc it takes a lot of talent and time and so we want to uplift those creators especially black indigenous people of color but really anybody who's taking the time to make these images available deserves to have their work cited. The key here is paying attention to the details. On this slide you'll see two images that come from Creative Commons and they both address different levels of use and attribution so this one at the top says you can use it but you have to give appropriate credit and indicate if changes were made and link to the license so it tells you what it wants from you. You can use it for non-commercial purposes no money generating. This one says if you remix transform or build upon it you cannot distribute it no derivatives so here's four different levels and you really want to read through these and make sure you understand what you're doing and I also recommend putting a link to the image on the slide so that if you go to your old presentations in order to build content for a new presentation you can check and make sure that the attribution works for that new purpose. Maybe you designed some course materials for your class and now you're doing something that is commercial and you can easily check back and see that oh this is non-commercial use I need a different picture so here's my database. Basically the columns represent the information I'm curating and the rows all represent a source of images or an individual database so here's four databases the gender spectrum collection and caddy open content euro piano and the cell image library. To date I've added 56 stock images databases to my master database with the link and there are 17 different categories that can be sorted for like stock photos diverse images um stock drawings historical images stock music stock videos research data medical data etc. I've also since added a column that talks about the different populations that are featured in the database and the other thing that is included in this database is information about the license and attributions as well as some notes. So we maintain this periodically when we find a new resource or when a database that we're trying to use is closed or revamped. I set up the original structure all those columns and the allowable formats like this is a multiple select this one has to be a URL this is free text and I included a bunch of rows that I was aware of and that I found using Google searches and then I assigned it to a population of research volunteers in my lab who are included as co-authors and they helped to populate the individual records as well as identifying new sources to add to the list. We made sure to include images of diverse groups including Hispanic people the elderly women of color trans people non-binary people etc and as I mentioned we've added a column that represents the type of diversity featured in the database. In my course I added some acknowledgement of racial diversity in various conditions this shows albinism around the globe as opposed to just showing what an albino person looks like who is white. I also have created a new course on cultural humility in healthcare and designing those slides has been easier using these databases. So my call for you is I hope you can take this presentation and think about it think about if your course materials are inclusive already what you can do to make them more inclusive in terms of representation of images and that is for course materials and any other public facing materials you use in your research or teaching or other roles. I encourage you to use diverse stock images to improve the relevance of your talks to your target audience and the benefit to learners if there is especially some sort of medical or career related action items. You can increase engagement by evoking connection and promoting understanding and reactions from your images and I think that you will gain a lot of interest from your students. That is it for this talk I hope you learned a lot. The QR code is here again and you can email me with questions. Thank you.


Babes Wajimo and Mampincha secretly married and pregnant after going to Boucherie. The rumor mill has been swirling around Babes Wajimo and her fiance and boss, Mampincha for quite some time now. After months and months of rumors claiming that the stars are engaged, our sister publication, Sunday Sun confirmed last month that they were indeed soon to be married. Now, the streets have been talking again and this time, it's all about a bun in the oven. A certain questionable video has been doing the rounds and it has people wondering if Babes, real name Bongjakil Sime Lane, is not only pregnant but also married to Mampincha. In the video, Babes and Mampincha, real mandlo mafumulo, are showing off a couple of things that have social media wondering if the couple is secretly married and pregnant. First of all, both stars are seen flashing rings on their ring fingers which could indicate marriage. If they were just engaged only Babes would be wearing a ring. Secondly, Babes herself looks rather fuller and thicker with the stomach that is around her that usual. Watch the video below and let us know what you think.