It's gonna be an amazing Christmas. What's good boys pack-and-play squad. There's insane new Christmas cards wave 2 just dropped Starting with limited seiquan Barclay. This would be the number one pull today The second limited and even more expensive than seiquan Barclay is Kyle Hamilton the six foot four strong safety Oh my god Can you imagine usuring a six foot four strong safety with these stats? Are you kidding me? And you know why this is even crazier? This is the pack-and-play squad So my entire team is assembled only from packs You know what I said last episode like word for word bar for bar last episode I said still need a new running back. I do need a new running back I'm hoping there's a limited running back and safety in the next drop That would be insane for us and they drop a limited safety and a limited half back if we can pull either of them This pack-and-play squad is getting a massive update I have free safety Keenan Allen in and on offense. I have the freeberry Sanders now. I won't lie This team also needs a tackle. That's the only thing we didn't get also a huge Thank you to one of the longest-running sponsors on this channel Dr. Squatch for sponsoring today's video Dr. Squatch makes Incredible men's hygiene products and their flagship product is their bars of soap like this pine tar bar right here I've been using dr. Squatch for about four years now and for the first time ever They have an absurdly good deal on their bars of soap with the buy three get three bundles You'll get six bars of soap for the price of three and there are some great scents included like wood barrel bourbon I love this one another favorite is birch wood breeze and fresh falls Just to name a few if you do the math on that deal You're saving twenty eight dollars and who wouldn't want some extra cash for the holidays It's the buy three get three free bundle and this is for new customers only so to take advantage There's a link in the top of the description. There's no promo code Just use that link in the top of the description so huge shout out to dr. Squatch once again like that link and enjoy the rest of Video, there's four new 93 overalls as well. Honestly, I think they're kind of goofy I thought that first wave was really cool. This one is Julio Jones Rizul Douglas will Hernandez and de Forest Buckner. I think the de Forest Buckner's nasty He's definitely the best player in this but these are three are just kind of bizarre honestly either way all that would be huge additions to this team and I've been trying to save up snowflakes to do a huge present opening It's been really hard to get them but guess what they finally dropped away to legitimately just get presents It's literally called lots of presents EA. I'm giving you an A for dropping it I'm giving you an F for creativity lots of presents Was the bundle naming guy out sick and then there's a stocking stuff for mini bundle Which gives you the players that mix on to snowflakes. So there's actually ways to get presents a little more realistically today We're gonna start with the all-pro zero chill fantasy pack You get a bunch of options of 82 plus 86 plus and then two options of two 90 pluses It's kind of confusing But the only thing to note is we're looking for sake one Barkley or Kyle Hamilton packs event bonkers recently Let's see if we can keep up that trend the first round should be the weakest So if I pull some heat here, we're off to a good start. Looks like it's all 82 is tough start That's okay second round. These are the 86 pluses if I could do a 90. I'd be happy. This could be a 90 I'll ask you more. I don't know boys. These are the 90 pluses and we start with a 90 Come on. You got a clutch up. No, no, don't do me like this. There is a curtain Samuel now I'll definitely take that round four of four 90 pluses again starts with Jalen Thompson and ends with a 90 Graham Glasgow, I will take him. Bomber dude. Glasgow was an upgrade and Samuel will get reps But other than that that was pretty weak right there. I'm not gonna lie I'm gonna open the 90 plus zero chill player pack gives me a 5% chance at a 93 overall or better So it's 5% chance at a 93 are eliminated We'll definitely have 90 overalls for the sets, but dude, I've pulled all the limited so far I can't I can't go out sad now, right? Well, open the zero chill bundle the good news is I do have training to do some re-rolls Justin K's zero chill packs got Keith Kirkwood and Trace Smith Desmond Ritter Elijah Kansy and a kicker Grover Stewart Justin Strand Matt Breda Matt Breda has gotten three cards in Madden 24 this year Nick Bosa has gotten one zero chill by Ben Bartz Ian book Trace Smith Plus zero chill player Josh downs.  Come on One more 90 plus dude, it's gotta be right here. It's gotta be way No way 86 plus is gonna be an 86 packs have been so insane for me recently that I'm shocked I'm not pulling heat right now.  Has my hot streak ended. I don't want to admit that. No, dude I refuse to acknowledge that my hot streak could end. I absolutely refuse Steven Nelson And Oliver. Okay. Wait a minute. All right. I got a hundred thirty three thousand training on this account and honestly I could keep going.  Oh my god Wait a minute. I actually need this my kicker has no abilities.  That's actually kind of lit dude. You can get wait a minute. Does he get abilities? I don't know if 88 grammatica gets ability. So I'm gonna find out. Oh, he gets abilities. Do you get Zen? He gets Zen kicker. All right. That was actually a huge upgrade to this team. That's hilarious. All right Here's the good news.  So in my zero chill history I've pulled Fred Warner in a zero chill pack and I pulled two separate Tyree kills in the rerules I refuse to give up. The good news is either limited is so good on this team It doesn't really matter which one I get. I just have to get the animation I will burn every ounce of training on this account to find one of those limits. I will tell you that This is like was 137,000 training, which would basically be 50. Yeah, I'd be 50 of these 82 pluses the final one dude 137,000 hold up. We need to like see what that turned into I would be willing to bet that all of this will quick something like 40k training like literally. Oh my god My guess was 40,000 training. That's just 39,290. I'm a god. I'm gonna try one more zero chill bundle I'm a little suspicious right now though, dude. I don't know I don't know if packs are as juiced as they were when Fred Warner and Tyree kill were impacts those packs were juiced I am confident. I don't know what 93 overall. I want yet. I still gotta think about that Tyree Stevenson, Josh Oliver. All right, we're on to the 90 plus this all right That's exactly what I'm talking about 90 overall Darnell Savage We really need safeties on this team. So getting Darnell Savage is actually huge here really good card 92 speed All right start off with Darnell Savage. I need that but I need a big animation I need any animation other than this animation because that's either a 93 or a limited. Oh my god, dude I think they I actually think they juiced it. I actually think they lowered them. I'm not kidding. No No, wait, dude two full bundles Noyfin 86 plus Desmond Ritter 86 plus Tray McBride. Oh, this isn't the last one. This next one's the last one Jake Bailey I think they did I don't know. That's like suspicious. Well, let's look at our team. So there's a 93 overall right guard I feel like we can't really use that. I need a tackle, but I haven't been able to get one yet Need a half-back, but take one's a limited so there's no set for him Yeah, honestly de Forest Buckner would be an insane addition to this defense Offensively we got Curtis Samuel in now 93 overall champion de Forest Buckner.  He's fast. He's actually really fast Shockingly fast. You should get a discounted inside stuff. I'm hoping oh discounted interior threat. That's insane It definitely changes this card I'm gonna try discounted interior threat and I'm gonna give him unstoppable force just in case he gets home enough 93 overall de Forest Buckner.  So this will cost us Curtis Samuel Lindsey Glasgow Josh Townsend eponess 93 overall Jones Let me see the stats on this card.  All right, my rental player for today is gonna be this Saquon Barkley This is back in play I'm only allowed to keep players that I'm pulling packs, but this video wouldn't be fun if I didn't add Saquon So we'll use them today, but after this episode I got to sell them back 94 Saquon Absurd stats 95 Excel 95 agility 95 carry. Let's see his discounted abilities Jukebox and spin cycle jukebox is weird this year jukebox is good But if you simply take turn sprint off and juke you get a nasty juke anyway, so it's kind of a useless ability I guess you could go human joystick It's not near as good as it used to be nobody really runs it anymore. I'll be honest. I don't want to use any of these I'm just giving him freight train. I think that's the only thing he needs say quans the starter so offensively We got run-and-gun gunslinger hot rod master gift wrapped on Jalen freight train Barkley Double me mid and elite on reek and Shannon sharps got matchup nightmare. We're up to a 91 overall Damn, that's the highest overall.  All right, let's ball out boys. This is a literal God squad Merry Christmas Freddy boy Tyree can say quad that top three. Oh god. He should be mad seeing my top three. This is reverse wheel of mud He's bitching about my top three understandably. I have no idea why I have raiders unison. Why do I have raiders? All right boys were the raiders today. Let's try not to commit any crimes Let's try not to get my whole seam team sent to prison.  Let's try to tackle all right first in 10 Lots of lurk artists. I could use her Josh Allen or I could use her Fred Warner It's gonna hand this off get solid yards second six second and six Same thing just an RPO rebubble. Where did Tyran Matthew just go? Did you see that? Tyran Matthew was going to make the tackle then he just left is this guy literally just gonna run RPO over and over I Hope he does she's gonna get boxed Look at Tyran. What kind of glitch is that you see Tyran Matthew go to make the tackle and then start to run away from him All right, let's play ball then what's going on. Oh, this is gonna feel good to win this game He keeps it with Vic. He gets sack. Let's go. There's another RPO or is this an actual play? This is an actual play TJ what gets home fourth and 15 dude I got to figure out what that Tyran Matthew glitch was bro What was that Tyran Matthew would be running at the ball carrier and then he would turn around and go the actual opposite way We make out clean. All he got was a field goal opening drive for summaries and berries in the backfield. Oh I'm going Julio free form That was a gorgeous free form though just so we're clear first in 10 a new to Julio Jones to start this game out Seguin Barclays in baby. We're going little I formation. We're on this one right at the middle Nice blocking shake one Shake one Oh my god two plays and we're in the end zone. Yes. That was fast 73 great. Where boys 73 just like that too easy. All right first in 10 He's gonna come out an RPO rebubble. We have to bag it We have to bag this right now so that he doesn't even think about running it again Here it is RPO rebubble. Yeah, I need to shift harder It was that exact play and I couldn't stop it. All right, same thing We're just gonna hard commit and I'm gonna come down with Darnell savage.   See I wish I had inside stuff right now I have Buckner, but I put interior threat, which is just not the ability For this scenario. Okay, that's fine because Josh Allen can make that tackle third and six That was another RPO looks like he might go same thing. I'm gonna go on Josh Allen here good adjustments good adjustments here This is a true pass play. Oh, he's got the corn nice play. That was a nice throw. I didn't see it. This is RPO I'm there. Oh, I thought I was there. You kind of get stuck on blocks sometimes Could just hand that one off but that's not going anywhere third and three come on boys We got to turn them over one more time. Is it RPO or is this a real route? I think it's a real routes This is dangerous. Oh corner out. Oh, no, we got me But we got home dude He had me cooked on the right side, but the heat got there come on baby Dude, I am pulling out every stop to try and get stops here. You're punting from the 33 He must have misclicked he misclicked. He just wasted a time out for that. That's fine by me Let's go nickel three three since he oh, no, no, no you ready. I'm going dime Tampa 2 This is my all-time short yarded stopping play dude my success rate on stopping people with this is so high Oh, this is an RPO. I'm in trouble though. I don't think you bring out an RPO right here. He's too scared. Yep. Oh, no He went deep good play. I was talking on my defense and we got a laser dog. It was a nice throw I'm on megatron for the for the throw. What?  I'm right there for the lurk.  I'm run committing and then I'm gonna go play the pass Hey Third one, I'm getting RPO spammed, but I think we can beat it. I really do bring Darnell down on this. Oh Whoa nice move kind of stopped me the first time around fourth and two. He's not gonna do all this kick a field goal I'm saving my time out RPO he does He tried to throw it. He was holding X to throw it to X and it quit You just spam me with RPOs and then quit.  Oh my god. There's no way Dude, that's golden. That might have been just the most satisfying rage quit of my life All right, so a regular season we're four and two now. So one more win we make the playoffs. That's a big dump right there I'm sorry. You guys didn't get to see more of Saquon, but I feel like a cheater even using the Saquon at all We did not pull this. All right boys short video today, but I got another one for y'all tomorrow Hopefully we can get our miss on Kyle Hamilton. I'll definitely be opening a ton of presents before Christmas I hope you guys are having an amazing time. I love you guys I'll see you guys the next video. Peace. I was good boys. Welcome back to the pack-and-play squad We're looking for a halfback. We're looking for new safeties But the rest of this team is absolutely incredible and we're one win away from the playoffs The one thing I'm scared of is if you're watching this video and the ghosts of mutt have dropped So every single year EA does this promo where they do ghosts of mutt past present and future past our legends They're usually the highest overall present our current players and future are like young rookies Because what I'm trying to do right now is get us into the playoffs and do a massive present opening on Christmas Eve I just don't want to be too far ahead. I thought I'd let you guys know that just in case but today There's two things I want to open. There's the pro fury pack. You rarely see this pack, but I'm excited It's got 488 pluses 386 plus 284 plus and then there's a holiday legendary pack right back to the 5050 blackjack Odds 90 or 93 plus overall 50% odds. There is a limited ever sin walls He is probably the best pull right now, but really in this pro fury pack, bro I want a half back or I want a safe sadly I don't think say quantum or maybe they are our say quantum Kyle Hamilton stealing packs.  That's a redux. So we start with Shahid This is a throwback to the first ever packing play spot. We had limited Brian veteran got a low legend Alex Mack He's not gonna help us good big a K a player could be nasty country strong Okay, he's actually really good. He boosts the rest of your lineup So I am happy to have him all mad and player right here. It's Ken Riley. This has been mid so far I'm not gonna lie 87 moon. Yo, it's a big team of the weak player Not really 88 there and playing 84 Buddha Baker one more redux like a sicky It's a good pack, but all these pulls were mid bro You get three 88 buses and I got bunch of 88 Let's try the holiday legends. Let's see about that 50-50 because I've cooled off Starting it out with 80s that better not or no because it's 93 or 90 so that can't 87 legend This is another potential 87 legend 92 Otto Graham. Okay, 92 Otto Graham 93 and two tall Jones and our final player is 87 Javan curse. Hey So presumably this was my 93 or 90 and we ended up getting a 93 and two tall Jones is a six foot nine left 93 overall with 87 Maybe there's a legend set that I can do that could give me a half back Start out here with 87 cam chanceler. Next up is 87 Andre read next up after that is I guess it's a half back Fred Taylor is a dog. Come on, baby. Come on, baby 93 Presumably I hit the 93 both times unless I just got really lucky and like cuz you can't tell you can't tell what's what in these But hey and two tall Jones and Anthony Munoz. Those are some amazing pulls.  How do you not take this? That's a great choice 92 speed 92 hip power great man coverage and zone. I love Ronnie lot, dude All right. Hey, that's that's super clutch for this team The next question is half-back. Is there a 90 overall most feared half-back if you put in five 87 88 overall players You get one 90 overall most feared champion fantasy fairly certain They do have a half-back and I'll just trade in all these 87s. We just got this is all right pack-and-play squad is being saved right now We're just going like two promos back for most feared here since I couldn't pull say Quan Yeah, so there's March on Lynch for sure. These are no arcana So I think March on Lynch is my only option at half-back right? Oh, no, Camara. Yo, this Camara's nasty, right? I've heard really good things about this 90 overall Camara. I've never used them.  Yeah, I don't need any abilities on him perfect Alvin Camara freight train Beautiful, he's no say Quan Barkley, but he's got 91 speed 88 break tackle 90 excel 90 changes direction I'll take it. This is exchange six a.k.a. tokens to receive an unauctual a.k.a. Hero fantasy pack And I have six a.k.a. Tokens on this account actually have 14. Wait a minute. Is it the hero? Does this mean I'm gonna have an option at The 92 Bijan right now. There's no way six tokens gets you a 92 Bijan, right? Oh, of course Not gonna lie though.  All right, let's generate the best lineup see what it does here All right offensively it's Tyree kill Shannon sharp Jalen Hertz and Alvin Camara with abilities offensive line just got a Gigantic boost. Oh my god. I forgot the biggest position. I needed was left tackle. I had 83 John Madden at left tackle Now we have 93 Anthony Munoz the low key. He might actually get a really good discounted ability I don't really check my offensive line abilities dude gets a lynchpin for one AP. Oh my god Keep in mind. This is only stronger run blocking. It doesn't say that new ability But lynchpin is only stronger run blocking but still for one AP that is so worth I'm gonna take mid in elite off of Tyree kill. Honestly, that's just so specific I have the time dude I'm putting Tyree kill on posts and streaks neither of those are considered for mid and elite So don't really need it Shannon sharp a matchup nightmare is still really important actually in fact Shannon sharp and matchup nightmare Has become more important since lurk artists became a really good ability and linebackers are usable again Lots of people are using linebackers. So I really like matchup nightmare on my tight end now Julio's in 94 Tyree's in 95 Curtis Sam's in 91 Camara's looking good. We got Jalen Hertz.  Then defensively we got Ronnie lot and Darnell savage That's a really nice duo safe. These are fixed D line looks way better too with two tall Jones and Aaron Donald Jamel Dean Megatron. Do we do a TJ watt? Do we put TJ watt at rush right end and then two tall at rush left end?  All right boys 91 overall pack-and-play squad today's packs weren't too crazy But I wanted to make sure I got us into the playoffs I think when I open the presence or when I do, you know go some mutt whatever it is I end up doing I want to be in the playoffs for that Brazil Douglas Julio Jones and Terminator Fred Warner Tyreek Hill And he's gone. I guess I am in the playoffs boys. It was that easy. All right Well, um, we are now actually in the playoffs which makes this the wild card So this will be the wild card next pack-and-play episode if I win here Is the NFC slash AFC championship and then the one after that's the Super Bowl and then we reset the team again That should be perfect. There should be one more drop with like crazy ghost some players and hopefully that could be the Super Bowl episode Here we go Julio Jones Mack Hollins asante Samuel. That's a Falcons team team. Whoa I haven't seen a Falcons team team online. Not yet. Anyway. All right boys first in 10 taking on the Falcons team team I like this team team We're gonna go to Alvin Kamara our new running back to start this out second in two now I'm gonna go inside zoning. He does not have an inside stuff there. He's got Kaleis Campbell Who's a big boy? But Kamara's gonna take it a little push from the O line. All right first in 10. Let's go Gonna play action here Just gonna hit Shannon Sharp underneath too easy for Jaylen Hertz big stiff arm second in one By the way guys, I've noticed these comments on the videos like packing plays where people are talking about Me getting a 40 bomb guys to open those immaculate packs for 40 bomb That is a wheel of mud exclusive although honestly now that you guys say it I feel like maybe I should open that up to every single video that I do would honestly be sick if at any point I dropped a 40 bomb but the point of doing it in a wheel of mud was so that I could add a player from the packs to My team although I guess I could do that for packing play to shit Step up in the pocket Jaylen.  All right, you know what boys I like it starting today if I drop a 40 bomb at any point I will open a pack and I will add a player to my team doesn't matter if it's wheel of mud or not They go Kamara here ouch big juke into a hit stick that definitely could have been a fumble I'm gonna look at Shannon Sharp up this seam here. I don't see the user right now. I Just gonna go back to Kamara and dive forward for the ninjas I don't think Shannon Sharp was there. He probably thinks I'm running it fourth and inches here. We go boys There's Kamara you need a yard. He got right. We're gonna go RP out of Tyreek. I think this will be there Just gonna hand that off to Kamara have to dude. He's gonna fumble. Let's just stand in the pocket and deliver here All right easy ball the Tyreek Hill 7 for 750 yards I'm gonna try something on that right side The route might have been there looking for Tyreek or Shannon Sharp underneath There's Tyreek maybe there's Tyreek Snagged it on prime time and headed to the end zone. Could this be the 40 bomb gentlemen? I'm gonna go stretch to the right side. He doesn't see it at all He guessed the wrong side on that. Hey, no great start First intent he's got a whip route. He's got a corner out.  No, he doesn't he has gunslinger on Michael Vic. Yeah, that's why dude It's honestly so oh my god.   Are we opening an immaculate pack today? We're certainly in a good position to right now So long as I don't Chuck a bad one. Damn that double team just dissolved Honestly, that was just a bad play call I love gun tight doubles against what he's running here that Tyreek Hill cornerouts gonna keep giving him trouble.  Oh my god.  That's what you call a good old-fashioned mommy's credit card He keeps shifting his line on these stretch runs and he's going to the wrong side He shifted everybody to the right if this is still a seam Thank you I was gonna say that's still cover three seam You can run the cheeky little hitch route and where baby. Oh, that was not cover three see guys every once in a while I'll talk in the videos like I know what I'm doing.  He's now dropped the twice That's 94 Julio Jones dropping a wide open ball because he doesn't have gift wrap.  Heater that's a hot blitz Josh Allen now we're going man guessing pass and I'm blitzing Fred Warner.  He's not gonna let me get the 40.    He might be in safety territory Second and 13. He's gonna look to throw something quick and short. He might even go half back. It's what I got to defend. Oh, I Couldn't tell if that was a flat or an angle. I'm gonna deforce Buckner spy. I'm gonna guess pass.   Oh, I'm so frustrated It's looking for a corner out That was a good ball. It's gonna call another timeout presumably here. I gotta sack him He's trying to preserve clock Fred Warner right up the middle He throws it quick tackled right in the middle of field second seven. That was a good time to blitz right there I just mirrored that dig No, sir, you ain't going nowhere Honestly, good run. Damn.  Oh My god Just lasered me down the scene. He's not gonna go for two though. So it's still a two-possession game. That's weird I'm shocked that he's doing that. It's really important to make that a one-possession game 11 seconds on the clock. Let's see if I can get a field goal up I just want 40 I can't be mad at myself for not intercepting that though because I had an opportunity to convert And I didn't I'm gonna take this out I like Tyree charge.  I'm actually teasing him.  Panini immaculate collection 2023 collegiate football for those of you who don't know I'm gonna leave this right here for anyone who's new to the channel or never saw that rule Hold up. Oh my god. He's gonna let me do Tyreek again Same exact thing Almost zero seconds. I made a rule in wheel of mud where if I drop 40 points, I get to open this This isn't a thousand dollar trading card box.  Okay, because everybody and their mother watches wheel of mud Okay, it's not a it's not original to watch wheel of mud. All right.  I'm so close Please don't quit Dude, I got it out and everything I literally got that got the thing out and everything No 40 bomb today, but pack-and-play squad rest assured the rules are on the table for you guys now if I drop it I'll do it. We've got an NFC championship left after that is the Super Bowl Honestly to my opponent. Thank you for sticking it out until it was 30 to 7 You didn't let me get the 40 bomb, but a lot of people would have quit a lot earlier All right, y'all 91 overall zero chill kitted squad. I hope you guys enjoyed today's pack-and-play I can't wait to see you guys the next one. Peace


Zero Accounting Software 2023, Budgeted Income Statement, Export to Excel, and Modify Part Number 2.  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. Ugg Slippers. I usually walk around my home in just my socks but I wanted a high quality pair of slippers that didn't have a heel on them so I can slip them on easily, give me a little bit more warmth than just my socks provide and which has a sole on them so I can deal with messes in the home such as spilled liquid or broken glass without getting my socks wet or my feet cut up and the Ugg Slippers do a great job with that. I like the quality of the slippers. They feel like they're going to last a long time. They will probably outlast me so I recommend the Ugg Slippers. If you would like a commercial free experience, consider subscribing to our website at accountinginstruction.com or accountinginstruction.thinkific.com where we have many different courses. You can purchase one at a time or have a subscription model giving you access to all the courses. Courses which are well organized have other resources like Excel files and PDF files to download and no commercials. We are in our custom zero home page going into the company file we set up in a prior presentation that being get great guitars. We're going to duplicate some tabs and put our reports in them right click in the tab up top so we can duplicate it right click in the tab up top again so we can duplicate it once again back to the tab to the middle accounting drop down opening up our balance sheet report this being a comparative report if you don't have it you can open the standard balance sheet tab and to the right accounting drop down we want the income statement report this being a comparative income statement report if you don't have it you can open the standard income statement in a prior presentation we took the information from a trial balance exported it to excel and then trimmed it down to the information that is basically the income statement information so that we can create a budget from it we double check that by looking at our total income statement here the net income time out to the one three two four which matches what we have thus far on our income statement we took the pennies off one three two four so now what we're going to do is take this information to then a budget out into the future now note that we are we entered two months of data input into the system January and February we're going to imagine that that was like November and December of the prior year so that we can take that data and then project out for 12 months and that also will allow us then to take the information and put it into zero and what run reports for at least two months of which we will already have data actual data that we can compare to the budgeted data that will put into the system okay that said let's go back on over to the budget here and let's continue adding on to this so we basically have our income statement positive numbers for the revenue negative numbers for the expenses so this is the most trimmed down income statement we can have in one column which makes it easy for us to kind of project out into the future I'm going to delete this column over here we don't really need this one so I'm going to put my cursor on the C drop down right click and delete that alright so then let's I'm going to put some months over here this will be where we construct our budget from our data on the left and so I want to add a row up top which will be our header rule row so I'm going to put my cursor on row one selecting the entire row right clicking on it and inserting which puts a row above it and so then over here we'll start and Jan you worry and this is where our data is going to be so I'm going to say Jan tab Feb tab and I should be able to this system should be able to see that pattern so I'm going to select these two months put my cursor on the fill handle and drag to the right and you can see it says March and I can drag on over till we get to December December and then I'm going to center that well it's still highlighted home tab alignment center and we'll go to the font group drop down let's make it black drop down let's make it white black and white there we go and so that looks good I'm going to select all of these now and see if I can make them a little bit thinner little bit skinnier put them on a bit of a diet so we could see it all on one page here you can't fit them all on the page when they're that large let's put another let's put another column in between these two right click and insert another so we have this like kind of breaker between our source data and our budget data alright so now our starting point is going to be this is two months worth of data so our starting point will be let's just take that and divide it by two and that's what we're going to imagine will be our normal numbers all the way down well for each month because that'll be our monthly number now that's way too simplistic because we might have variance on that because we might have some months that are larger than other months we might expect our revenue to go up over time just as a matter of course because of our excellent work and people word of mouth just catching fire so that we start growing and but we'll get it but we'll start off with the baseline which will just basically be if it if it if this was 12 months worth of data we can take it and divide it by 12 now there's two methods that you can basically use by the way you could say I'm going to take my income statement I could make an income statement per month for the prior year possibly and then project that out and say I'm just going to start with an income statement that's actual numbers from the prior year in that way you might be able to capture more of the seasonal differences if you have seasonal differences but oftentimes that that's not the best thing sometimes because you might be improving towards the end of the year so the end of the year might look a lot different the beginning of the year in terms of the business environment so so it might sometimes be better to start off with taking like the whole year or whatever and then dividing it by 12 and getting at least an average of the year and then go from there another method you might say is well at the end of the year I think that is most most in alignment with what I think is going to happen going forward because we've improved towards the end of the year and I think that improvement is going to stick and go forward it's not just a seasonal thing possibly and you think that's going to go forward so it just kind of depends on the business but I'm going to start by saying let's do this we're going to take this number and divide it by two so that number divided by two gives us our monthly amount of the 29 226 now I could just copy that all the way down so I could just take this and copy it down but note that if I copy it to the right it's going to it's going to cause a problem like if I copy it to the right it's going to it's going to then pull this cell to the right because anything that comes from our from our source data we need to be careful of to see if we need to make an absolute reference from it or mixed reference now I could I could fix that by double clicking here and like making this a mixed reference so I can copy it down and across which is kind of a neat thing to know but I'm going to use a different method here instead in February I'm going to say February is going to equal the month before it because that allows me to make a change anywhere in in the following month which will carry forward going forward so therefore I'm not going to use a mixed reference or anything I'm just going to copy this one down and I don't need to and so therefore I don't need an absolute or a mixed reference or anything I'm just going to copy this down and this gives us our information on a monthly basis I'm not going to populate the net income because I would rather recalculate the net income this way so now I've recalculated the net income and so now when I go into February what I would like to do is instead of copying this to the right which I again I could format it so it still pulls the source data I like to say this should be equal to the prior period and so that way when I copy this one all the way forward every cell is equaling the prior cell and that and that way if I make a change out here in August to like 30,000 that change will copy forward by default that's why I prefer using this method so then I'm going to go back on over I'm just going to do that all the way down this equals the prior cell and then I can copy that down I could just fill handle that and copy that down and then I can take all of that and copy that to the right copy it to the right I can't see how far it should go because I'm blind up to the top so there it is I'll just delete these when it went too far you've gone too far you've gone too far this time I'm going to select those and right click you will be deleted there we go that's what you get for going too far so now this is going to be the total over here and I'm going to select this whole column over here and then home tab clipboard and paint brush it and then paint brush this one so we get the same formatting and then I'll just total this up equals the sum our most famous function the sum function very famous very popular everybody's favorite function if you don't like this the sum function it's just because you're jealous you're just a hater that's why everybody likes it it's the best it's the best function it's not if you don't think it's the best function you're wrong you're just wrong man anyways I'll copy this one over to hold on wait a second this should be the sum down here here's the sum and I'll copy this one across and so you can double check your number here that's probably the best check so if you if you followed everything that we did you should come up with this seven nine four four on the total down here alright so now let's make some alterations with this thing I'm going to save it right now so I don't lose it because this is I've got some good work happening here and then I'm going to go back up and say that we want let's start with this one I'm going to start with the rental income I'll make it I'll make it green just so we can see where we are and I'm going to say that that one will say it start we think January is going to be the same but in February it'll be one month worse of data but in February we're going to start to increase it and well there's a couple ways we can increase it we could say over time it's just going to go up I think because we're going to get more business what do I think it's going to go up by well we could make it go up by fixed amount or we can make it go up by a percentage increase that will be compounding or we might have a seasonal kind of thing where we have to basically you know do a seasonal type of thing for a few months that we think are bigger than the rest of the months right so let's say that we think it's going to go up by five percent compounded for the year so in January it was one one three zero so we're going to say this equals and let's take the prior amount and then we're going to say it increases by five percent so I'm going to say times one point oh five meaning a hundred and five percent or one being a hundred percent which would give us the one one three zero plus another five percent over the top of that a hundred and five percent so if I enter that now we have this now it populates the rest across this way because all the rest of them are equaling the prior that's good but I'm going to compound it I wanted to keep increasing going forward so for example here I want this to be equal to the prior one times one point oh five as well now if I just copy that formula across I can just put my fill handle fill handle it copy it across then it should work so so there we have our total at the seventeen nine eighty six alright so let's continue on with the next one I'm going to say let's do this one that's going to the this one let's do this one and so it's going to go up and let's say it goes up in a similar fashion but by ten percent so I'll go to February this equals the prior month times one point one zero one hundred percent plus ten percent one hundred and ten percent one point one zero enter let's copy that across so we'll pick our cursor there and it's going to compound going forward so I'll fill handle that across and there we have it the total at the six twenty four nine six six now another method of increase that you might use is to say well what if it doesn't go up by a percent but it goes up by by a fixed dollar amount for example so let's pick this one and say that we're on February and I think it's just going to increase by a thousand dollars and so I'm just going to double click on it and say it's going to go the prior cell plus one thousand now again that'll populate going across but if I think it's going to increase by a thousand dollars each month I can once again copy that across so now it's not increasing by a percent but just a thousand dollars we think it's going to go up by a thousand dollars each month and compounding across to one hundred and seventeen thousand alright so let's go back on over then and let's go let's go to the cost of good sold let's go to the cost of good sold here and this one this one should be tied to our sales because we should have a constant basically profit margin so if you deal with inventory you would think your cost of good sold would increase in relation to your sales and unless you made a change like a change to the sales price right you increase or decrease the sales price so for example if if we think like it like in January the cost of good sold is twenty two nine seven oh hold on a second twenty two nine seven seven over the sales two nine two two six and that's point seven eight six one percent so you would think in February if I increase the sales to thirty two one forty eight that this should be equal to times the three two one four eight that the cost of good sold would go up to twenty five two seven four now an easy way to do that is we could say well if sale whatever the sales went up by the percent that it went up by we should which was one point one ten percent and we compounded it we could do the same thing for cost of good sold so I could say this will be the same relationship so we're going to say this will be equal to the prior times one point one and and then and that should be the same thing right so if I take this two five two seven five divided by the three two one four eight this is this divided by this we get that point seven eight six right so I should be able to get that all the way across so if I copy this across it'll be increasing when I get to here I should have that same relationship which is this six five five five six divided by the eight three three eight four and there is the same ratio I'm pretty sure unless I forgot but I'm pretty sure it's same okay let's go down to the expense side of things the expenses most of the expenses are probably going to be more standard like like the bank the bank service charge for example it's in material or pretty small probably won't have an impact too much on our on our projections so because of the dollar amount so we'll keep that basically the same and it should be somewhat the same going across anyways and then insurance now note that when you think about your budgets you might also think about a cash budget versus an accrual budget you'll recall if when we when we put our data together we did an accrual concept to deduct the thousand dollars but if you're on a cash system and you're tracking cash closely you know you might track it you might think about the expenses that you're deducting on a cash basis let's just think about it that way just so you can see if that kind of system that might happen because you might say okay when do I pay maybe I paid my insurance twice a year for example so if I pay it like in February I might pay six thousand in February and like six thousand in September for example and so you might have some kind of a difference in your in your reporting from a month to month reporting that would look something like that right all right now let's go down to the wages now with the wages you might have a situation where it's pretty much the same until it isn't right the taxes get a little bit messy because because you could have caps and whatnot on the taxes but usually it's for it's fairly consistent unless you have hourly service and you have variance for seasonal work and whatnot but we're gonna say it's consistent but you might have this a level up kind of situation you might say I think it's gonna be consistent but I predict that I'm gonna have to I'm gonna give raises or something like in June let's say so so that so in June what we think it's gonna go up by 10% or something so if that happened you're gonna take the prior period times 1.1 in June increase in 10% 110% of the prior period bringing it up to 7682 and after that step up you're we're gonna say it's gonna lock in at that higher rate going forward right and that that might be that's like a that's why this nice formula that keeps that that is always equal to the prior sell is kind of nice for the budget now then the taxes right below it we would think in a similar way that we had with the sales and the cost of goods sold that the payroll taxes would go up in relation so I would think I would have a similar relationship between the payroll taxes social security and Medicare employer portion with the other so I could say this is will also go up by we're gonna say 10% as an estimate right so that comes up to the 535 so those increase to the total for the 88 688 and the 6175 let's actually make a minor adjustment say that that happened in July so I made it happen in June so what I'm gonna do is I'm gonna copy May over I'm gonna take May here and copy it over one time and so now and so then so that looks good and then I'm gonna make the adjustment in July which equals the prior period times 1.1 and the taxes equal the prior period times 1.1 in July so now that step up happened in July totals adjusting to 87 990 and 6126 alright so let's go through a couple more of these so we'll say payroll telephone we're gonna say it's pretty much the same going across so we'll keep that as is same with the internet supplies let's keep that the same going across depreciation could change depending on the depreciation method that you're using but if it's a straight line method for example it'd be it'd be similar we might be able to get that directly from the depreciation schedules for example if you had some other kind of but we'll keep that the same going across miscellaneous expense let's keep that now the interest interest expense up here let's make a change to this one interest might actually go down over time if you've got financing and you don't expect to have more financing on a loan for example because as you pay off the loan your interest might go down you could pull the interest directly possibly from your amortization schedule but let's just imagine that it we have the similar kind of process but we think it's gonna go down over time so let's say that we're gonna say instead of increasing it I'm gonna say the prior period times 0.95 meaning it's only gonna be 95% of the prior amount which brings the balance down and then instead of keeping that salt the same it's gonna go down I think I'm gonna say each period so we lower the interest across just so we can see that same kind of principle but this time it decrease instead of increasing all right now the other thing we had up here was this gain on the sale of investments those were like stocks and bonds we're not actually in the business of selling stocks and bonds that was like why it's in like other income so here let's imagine we're not gonna sell any more stocks and bonds I'm just gonna delete this whole thing this isn't something that's repetitive we think that was like a one-time thing so I'll remove that entirely and so now we're at 125 965 on the bottom line so I think this looks good now let's just clean this up a bit clean it up I'm saving it I'm going back here so notice that net income if I look at the bottom line here this is my net income by month so if I double click here we've got our net income summing up this is summing up across now notice that February is a bit of a and something to be skeptical or an issue for us to make sure that we have the cash flow to deal with February you'll notice that we put this 6,000 in there on like a kind of like a cashed-based system which which made us go into the negative right but then but then we're back in the positive and March so that's something we have to make sure we got the cash flow for if we're thinking of it on a cash-based system and then we come up to the 25 20 125 965 for the total on the year okay we can double check this number by the way by summing it up also this way I could sum up this way and I should be able to kind of double check that that number works just from a from a table perspective so 125 so I could sum it up vertically I can sum it up horizontally we should be good either way let's put some brackets around this whole thing because I like the brackets kind of makes things stand out a little bit more selecting home tab font group dropping it down and we want the brackets boom


Thanks for joining us in Geneva for the AI for Good Global Summit 2019. And I am delighted to be joined by the Chief Executive Officer, Roland Berger, the Global Conservancy. Charlie Dua Bué, thank you so much for joining us. Good morning. And it's your first time at the summit, isn't it? So why did you feel it was important to attend? I think it's important because United Nations, together with some other people, are gathering a momentum around the SDG and putting AI for good as part of this momentum. That's why we wanted to be there. Okay. And of course it's a global platform, isn't it, to discuss with other stakeholders the implications of AI? It's a very interesting platform because you have people from the government, you have people from the business, you have sci-fi writers, you have entrepreneurs, you have tech people. So it's a good time to gather. It's a long, it's four days, it's fulfilled and it's very interesting. Is there a session in particular you'd like to attend? I think I try to get to a few sessions and I've been organised, there's something about ethics, there's something about healthcare. But it's very, very rich and I may not be able to attend all of this. Obviously here we're trying to discuss the practical applications of ensuring that the development of AI is safe and ethical. So how do you think we can do that? What would you like the outcomes to be? I think it's very important that people understand that what I call the three is AI would be everything for everyone, everywhere. And I think that's what people need to understand and I think this is why United Nations are getting involved. This is going to impact our lives in the next 10 years and beyond. And it's very important we understand the mechanism, everything which is linked to data and all the implications because if it's everything everywhere for everyone, it will change our lives and this is the United Nations, this is why AI for good is very important. And what do you think is the most promising way in which AI can help deliver the UN SDGs? Is it in education, healthcare, smart cities? I think as I said it's going to be everything but when we look at the short term, the evolution we are seeing is on healthcare, on education, on the efficiency of cities, we will see the first results.  And in this context it will allow all of us to live a better life and that's I think what AI for good and the United Nations is pushing for. And when you advise corporates and they ask you for guidance as to how to use AI, what do they describe as their main challenges or concerns? Corporates now are just scratching the surface. I think AI is now in all the annual reports, in all the calls with analysts but it's not yet a reality. And I think this is where we see the gap. I think think about internet, when people were talking about internet websites and they were not really using internet and this is where we are in AI. So our clients, what they're looking for is how can I apply AI, how can I use the data? They have a lot of data, they don't really know how to use it, how I can get the right resources to help me and what we are telling them is first ask yourself the questions of what you want to do with AI but then I just talk about AI and I think it's asking the questions, defining the problems you want to solve and then use AI. That's the right way to do it rather than pushing AI. And are they aware that it's important to adopt an ethical approach to it? I think they're all aware. I mean we're living in a world where with 17 SDGs, the World Economic Forum was a very important talk on SDGs and this type of thing. So everyone is aware of this, everyone is also aware that AI is impacting everything and therefore you cannot just mingle around. You have to think ethically, you have to think about sustainability and if you think how you're impacting the life of customers, employees and citizens. And that's what AI for good is about. Chalet D'Oir, thank you so much. Thank you.


Hello fellow day traders, my name is Fausto from Cybertrain University and I want to do another video talking about the NASDAQ Book Viewer, which is also known as Total View. If you've been watching some of the videos, you'll notice I've been doing a bunch of videos on this. A lot of people want to learn a little bit more about it and want to show you another good example of how important it is to let you know how to follow the money. Now if you watch one of the old videos or any of my other videos, subscribe to it and do a search. I go into a basic description of how to do it in a very simple way in terms, but I'm going to do a little bit more advanced trading on right now. So this is a little bit more of the strategy behind it. So I'm just going to minimize, this is actually the homepage of the NASDAQ website, which is what I use to access what you're looking at right here. Now here's a browser base of the Book Viewer and basically what I want to show you is that I see that there is 71,000 shares looking to be bought of AMD. Now if you notice AMD has been a very, very one of the most popular trading stocks on the NASDAQ. There's a lot of trading going on, but some of us don't have a strategy and they're like, okay, well it's been going up, but why is it trending down? Where do I cover or when should I buy it? Well the thing is you have to understand is that the way stocks go up and go down is supply and demand. And I keep repeating that because I want to make sure I get into your trader's heads that it doesn't matter what the stock does, it's what everybody else is doing. So I'm going to push right here that the stock, I'm just going to bring up a daily chart right here, I'm going to show you what's going on. And you could see over the course of the day AMD went from 3980 and from the start of this morning and just literally just came all the way down to a price of 3920. Now that's a pretty, not a huge drop, but it's something that all of us are looking at it and say, okay, well does it have a double top or triple bottom? You hear all these little technical terms. But the bottom line is this. It came to a price which is right around close to the 39. And in the past hour it's been having a tough time breaking it. Why is that? It's because of the candlestick, it's because of the Bolger Bands, because of what? Listen, at the end of the day there are buyers out there. How do you get that confirmation? Well, let's go stop, let's go look at our book viewer. And if you look down here at the bottom and we work our way down, you'll notice that right when we get down to $39. 3920, not 3910, $39, there are over 151 different orders. That means that there are a lot, there's 150 people that make up 100 shares, 1,000 shares, 300 shares, maybe even your shares. And that's equivalent to 71,000 shares. Now listen, there are orders at every single price up to over here at 3920, at 3912, that make up 11 shares. But that is a lot of orders. So when you're sitting here and you're looking at the chart, let me kind of split the screen for you so you can see a little bit better. And you're seeing that, wow, look at that big drop. And then all of a sudden it kind of like loses steam. And it's starting to trend up a little bit, but it's not really breaking it and getting back to that big buyer. Well, it's because that there is a demand out there. So fellow traders, to learn more about trading and learning how to use the right tools, you need to have the right platforms. And when you look at the book viewer and you're looking at basically, this is one of the ECNs that are out there. But when you look over here and you look at these ECNs, you have to know what makes one more predominant than the other. Because you have several ECNs, but I preferably like the NASDAQ book viewer. It's one of the original ones out there, a lot of orders out there. And obviously you could see how a pretty predominant the stock could make support levels due to that big order. So anyway, to see more videos like this, just subscribe to my YouTube, just click on the bottom, like it, and also click subscribe. And I'll show you a lot more tips just like to use the book viewer. Because remember, stocks go up due to supply and demand. And if you want to learn how to day trade, you want to know why these things go up as a swing trade, you got to know how to use the book viewer more than anything. Thanks for watching, ladies and gentlemen. See you in the upcoming videos.


Are boards in Saudi Arabia actively seeking more women? And what can they do to attract them? How do female directors particularly add value on boards? So this is not a Saudi issue versus Middle East versus the globe. It's an international issue everywhere. We do not have enough women on boards. One reason is that the turnover of boards is usually very low. And so in most companies bringing in women means somebody has to leave or they need to expand the number of the board seats which is not always as easy. And so there's all these kind of issues that are structural within what a board is like that makes it difficult. I love that the UAE and France have mandated certain quotas. One person per board and every board in the UAE and I think 30% in France. And so these kind of efforts will prove what we already know from studies that having women on the board will actually increase profitability up to 78% in some instances. There needs to be a lot more recruitment efforts being put to help women get on boards. For boards especially it's word of mouth. So also women have to realize that they need two things. To know the people on the board that they want to get on and they would actually start connecting with the board members so that when there is an opening they're on the list. But also I think there needs to be this kind of emphasis on board training which should happen in every board about the importance of including women and working on it and actually making sure that you implement certain criteria from the time you're onboarding a board member all the way to the time that they're leaving.


Thanks. In a couple minutes left, I'm just going to talk very briefly about some of the issues in New York in terms of getting access to court opinions. New York is actually, I think, one of the better states in terms of making available its highest court, which is the New York Court of Appeals, the highest court opinions online. That actually started in 1999, the year I was the District General of New York. We actually worked with the Court of Appeals to start making their opinions available online. It used to be that you'd have to send somebody down to the court, get, you know, pick up a physical copy of the opinion. So that started changing. I mean, just to set the stage, I mean, the sheer volume of decisions and appeals and court decisions, obviously, that are rendered at the state court level versus the federal court level. The federal courts of appeals, the decisions have generally been available in, you know, online format and West format for quite a while. But 18 million new civil cases are filed every year in the state courts. That's just civil cases, which are one-fifth of the total of new cases at the state level. More than 90 percent of human disputes are resolved at the state court level. And yet, as the predecessors on this panel have stated, the vast majority of those opinions are not available readily online. In terms of the specific challenges, even when court decisions are made available online, some examples from New York. So in New York, you have four appellate divisions, which are the intermediate state court of appeals from which, you know, there's an appeal as of right. So every, every decision can be appealed to the intermediate state court. The four appellate divisions render roughly dozens, each of them renders roughly dozens of appellate, appellate decisions every day. So again, we're talking about a vast volume. The vast majority of these, I would say maybe 80, 90 percent of these are simply affirmed or the decision that's rendered is affirmed on the basis of the strength of the trial court opinion. So you often have a one or two paragraph decision in the appellate division simply affirming, stating it that on the basis of the trial court's decision, the analysis is affirmed. But yet, the ability to actually get the underlying reasoning is very difficult because of that, that mode of operating. So the appellate court decision case name is often different from what you find at the trial court. There's often no docket number associated with what the appellate division says is affirmed below. There's no date of the lower court's opinion. There will be a court, for example, they'll say Supreme Court in New York County. But the ability to actually go back and find that underlying opinion is extremely difficult. So the only way to really do it is to run a full search, not even just a case name search, but a full search on Lexus or Westlaw, which is hundreds of dollars. So even to get an appellate division decision and to underline and to understand the underlying rationale behind it is very, very difficult. Again, and it's the same thing also because a lot of times the appellate division will affirm on the strength of the briefs, that the appellate's brief or the appellate's brief. And again, there's no access to the briefs. So the ability to get the underlying reasoning in the vast majority of cases at the state court level is seriously compromised. Even at the court of appeals level, which is the highest state court in New York, now, as I said, since 1999, the decisions themselves have been available online on the same day. But one of the greatest challenges in a state like New York, which has the precedential impact of the court decisions is quite large, one of the great challenges is figuring out what issues are pending before the New York court of appeals, before an opinion is rendered. So for example, in order to determine amicus participation, if you're a participant in an industry or a nonprofit group that may have interest in the pending precedential, the precedential effect of pending court cases, there's virtually no way to get a quick glimpse of what is coming up on the New York court of appeals docket. And the reason for that is that the petitions, what are the equivalent of the petitions for certiorari, the petitions for review in the court of appeals, those are not published. When a decision is accepted, an appellate court decision is accepted for review, the fact of the review will be noted, but there's no, again, there's no citation to the lower court opinion. There's just a simple three or four words that will state the issues in that opinion, for example, the parole evidence rule or capital punishment, but not a statement of what the particular issue is. So the ability for practitioners or nonprofit groups that regularly monitor the work of the courts to get a glimpse of what's pending on the court docket and what cases someone should weigh in on is very, very limited. In terms of the statutes, regs and codes, the New York state statutes, the state legislatures, statutes are available on the state legislature's website and a number of other websites, I believe on the Cornell website as well. But again, and I don't have, I don't have the breakdown of everything from the regs and the code level, but I do know that the vast majority of municipalities do not have their regs and codes available online. So again, we're talking about a state as large as New York, one in which the presidential impact of a lot of the court decisions and can have a vast effect. Those kinds of materials simply are not available online. So in my current role, which at OMB, working with other White House components, actively monitoring the work of law.gov, and we're eager to take suggestions about how the federal government can be a leader in terms of spurring this kind of a movement on.


Hi everyone, welcome to this episode of Pixel Data Scapes. I'm your host, Hannah Gunderman, and I'm a data gaming and popular culture librarian at CMU Libraries. I'm really excited by my role here at the libraries, which is all about using games and popular culture to teach about data and data management principles. Pixel Data Scapes is a place where I can use my love of video games to teach you, the viewers, about different concepts in data management. There are so many lessons we can learn about data and data management from video games, and today I'm going to be talking about how we can practice our data management skills by playing Animal Crossing New Horizons. So sit back, relax, and let's dive in. And be aware of spoilers ahead for this game. First, what do I mean when I say data management? Think about the processes you might use to organize things in your day-to-day life, like your spice rack in your kitchen, your bathroom cabinet, your bookshelf, a video game collection, etc. Data management is really just applying these principles of organization to the data that you're producing and using in your research and making sure that this data is organized, described well, and usable in the future not only for yourself, but other people who might reuse your data if that's an option. Different activities that support data management can include using a good file and folder structure when organizing your digital files, having good file names for your data, and writing down detailed documentation about how you were working with your data. As absolutely exciting as I find these concepts, I've met quite a few people who don't really share this same excitement, even though data management is so important. Luckily, in my job at CME Libraries, I get to use popular culture and gaming to teach about data management topics and help people build skills and maybe even some excitement in these areas. A really great way to explore data management skill development is through the video game Animal Crossing New Horizons, one of my favorite video games, and the focus of this episode. Animal Crossing New Horizons was released in March 2020 by Nintendo and is the fifth iteration in the main Animal Crossing series. Since that time, it's amassed a huge amount of players worldwide, myself included. For much of the world, this game was released right when we started to go into lockdown due to the pandemic, and the game provided some much needed comfort and joy during those strange and uncertain times. The game revolves around your player who has purchased an island getaway package from Tom Nook, a character in the game who controls much of the financial and economic aspects of your life on the island. Through crafting, foraging and selling items for bells, which is the currency in the game, and inviting new villagers to your island, you can grow your island's popularity and attract KK Slider, a famed musician in the Animal Crossing universe, to play weekly shows on your island. The game gives you an incredible amount of flexibility to shape your island and make it your own unique virtual space and it can help you own your skills and design and creativity, such as my CMU Libraries branch that I created on my island. But did you know that by playing Animal Crossing New Horizons, you're practicing your data management skills? Let's talk through a few examples of this. Fairly early on in the game, you learn the importance of inventory management, like in so many other video games. In Animal Crossing New Horizons, your player is given a limited amount of inventory space, and you can also think of this as pocket or bag space, where you can hold clothing, foraged items, crafted items, and other things that you might pick up in the game. And just like in those other video games, with this same game mechanic, it can sometimes be a little frustrating when you realize that you've run out of space and can't pick up that thing that you want to pick up. Encountering these moments in Animal Crossing New Horizons forces you to go through your inventory and decide what you can get rid of and what you can keep. Encouraging you to ask questions like, can I sell this item for bells, or could I give this item as a gift to any of my villagers? Having a limited inventory space keeps you on your toes when it comes to collecting items in the game. And I think there's a really strong lesson from this that we can apply towards developing our data management skills. When working with data, we can very quickly become completely overwhelmed by all the files and observations that can result from our analyses. In my conversations with CME researchers, it's not uncommon for even one single analysis to result in multiple terabytes of data. If you're dealing with any sort of limited storage space for this data, this can quickly become a problem. You may find yourself having to ask similar questions to those you encountered when managing your inventory in this game, deciding what is absolutely necessary to keep and what could be put in another location or discarded. This gameplay mechanic in Animal Crossing New Horizons is a great way to practice those useful skills in managing an inventory.  The next gameplay mechanic in Animal Crossing New Horizons that allows us to practice our data management skills revolves around the anthropomorphic villagers that inhabit your island in the game. You can form solid friendships with these villagers and even give them gifts and have conversations with them. Your villagers can be assigned to one of eight possible personality types in the game, jock, uchi or sisterly, cranky, normal, lazy, peppy, smug or snooty. Further, each villager has favorite colors and styles, a favorite song from KK Slider, a birthday and hobbies that they do while they're living on the island.  It's a lot of information to remember, but luckily there are some great online guides that classify each villager by this information. And this is such a good analogy for code books that we can use with our data. Now these code books are little guides we can make which categorize information about our data. Now this can also be known as metadata such as the variable type, allowable values in a field and the dates of data collection. They are super useful when you are working with your own data and want to record these important details or if someone else is trying to work with your data. Using these online guides that help you navigate how to build friendships with your villagers can also help you practice building and using code books for your own data. Finally, another way we can practice our data management skills in Animal Crossing New Horizons is by crafting items. As you progress through the game, your player learns how to craft new and exciting items through DIY recipes. DIY stands for do it yourself and these recipes show what materials and in what quantity are needed to craft an item. Once you learn the DIY recipe, you'll remember how to replicate that item in the future and you can amass a huge collection of DIY recipes, essentially creating a cookbook for how to build items for your island. As you collect and learn DIY recipes and craft awesome decor, clothing and other items for your island, you're also learning about the importance of having good documentation that describes how to accomplish something. When it comes to data and working with data, we often use software and tools to conduct analyses with our data to help explore a research question. Sometimes we may have to go back and redo an analysis or even try to replicate our analysis. In these situations, it's really nice to have documentation that describes what we did to first perform that analysis. The documentation can essentially be step-by-step instructions that we can use to recreate something that we've done with our data. Without this documentation, we have to rely on our memory alone. And if you're anything like me, you've got a million things happening all at once and it's hard to keep track of it all. By writing down what you do with your data, it can save you so many headaches in the future, especially if you find yourself needing to redo an analysis or recreate something. You can use these DIY recipes as inspiration for writing detailed documentation that tells you everything you need to know about reproducing a certain thing, whether it's a T-test in SPSS or a really cool frozen bear sculpture. Animal Crossing New Horizons is a truly wonderful game that's not only fun and allows for a creative outlet, but it's also a great way to explore foundational data management concepts. I hope this video has been entertaining and helpful for your own research process at CMU. All of us at CMU Libraries are here to support you in your journey in working with data and communicating with data. If you're struggling with advancing your data management skills, feel free to send us an email at data at CMU.libansers.com and we'd be so happy to chat and help you develop a game plan. So until next time, thank you for watching and we'll see you soon.


Hello again. This month's question is, how can I use permaculture thinking to design something like a livelihood for myself? So the nice thing about permaculture is that whilst we initially might think that it's best applied to food growing, because of course we learn how does nature work, what are the principles of success of nature. It's very easy to take those principles of success of things like each element has many functions or each function is supported by many elements or diversity and beneficial relationship setting those things up. It's very easy to take those things, those principles from nature and apply them to a kind of a managed natural system of food production. Whereas if we start saying how do we apply these principles to the way we live and personally ourselves where how do I make a livelihood and that might at first sound like it's a bit trickier and I suppose to some degree maybe there's a little bit more thinking involved but if we start taking those same principles and applying them to something like how do we make a financial income because most of us do live in a money system and we earn money in order to pay for things because we are quite separated up very often from the people we trade with that maybe we would only ever do a one-way exchange with somebody I need something they've made it but they live 200 miles away and they post it to me and we never have an opportunity to meet in person for me to do something for them in exchange so money allows us to bypass those inequalities and make a fair exchange in the moment. So we earn money so the first thing I would say with the pomecoge design is that there's two aspects to that so with any system whether we're looking at food production in the garden or collecting water maybe for us to use directly or to use in the garden you have your inputs your inflow and you have your outputs or your outflow and in systems thinking this is the stock and flow diagram you have what comes in then you have your stock and what goes out and that might be the stock of food in the garden so your inputs are sun and water and nutrients and so on and then the outflow from the garden some of it comes to us so it becomes an input to our system our body system and then there are outputs for that and of course in our modern systems most of the things we use come through pipes and cables and supermarket delivery lorries and they disappear off in the form of heat or down flush toilet pipes and that kind of thing so there's two approaches to if we need more of something then we can either look to get more of it or we could reduce our losses and we can use the same approach to of course not just fertility in the garden that how do we retain fertility in the garden by cycling nutrients that might otherwise be wasted compost and maybe human urine and so on but we can also look at the spending in the same way so we could earn more or we could spend less or have less loss so i would certainly approach it from that perspective of if we're doing more things for ourselves than we need buy less now of course if you're growing food for yourself in the modern context we can't really make a good argument for hell that's a good idea from a financial perspective because the price of carrots of potatoes for instance in the supermarket even if they're organic is a fraction of the time that you would spend to do those things if you were to then use that time to say do it or something and earn 15-20 pounds an hour so the food we grow from the perspective that the time we spend on it is expensive but of course it's not just about the quantity of the food it's about the quality and so for me growing your own food is a hugely important thing because it connects me to the land it provides something for my body which is much more healthy than much of what i might be able to buy from elsewhere so we can save money by doing certain things for ourselves of course there's many things that that we spend without realizing so a classic thing now is the direct debit so it used to be that a bill would come through the post and you would look at it and say oh my god look at all the money we spent on electricity we might need to be a bit more careful about switching off lights and someone and i particularly noticed this when i was teaching on sarc last summer um on basically on the islands of channel island and their electricity comes from one power station which is fueled by diesel which comes on a boat from guernsey and from further afield and so they're paying four five six times as much for their electricity as we pay on the mainland and so when we go over there there's this very interesting dynamic where the locals are switching off all the lights and trying to be really careful with electricity because it's so expensive and the people that go there have no concept of how much more expensive it is so they're using electricity as if it was so much more cheap and then also wondering why it's more expensive to go off to a bmb on sarc because they're not appreciating that they're using more power and that's costing the the proprietor more money to to do it so um there's that general awareness of where are we leaking and of course direct debits were a very smart idea framed in the idea that it's going to save us time and energy because we don't have to think about writing out a check and all of that but in the past we used to get that bit of information that suddenly made us think hang on a sec look at all the money we've spent whereas now we don't even see that number it flicks past in our bank account and we barely notice it let alone start thinking maybe i should do something differently so firstly i would say be much better at monitoring where the money goes and that would be the same for anything that we're looking at nutrients and someone in the garden leaks of water from our water bottle the gutter that overflows and doesn't fill the water back properly all of those things they're opportunities to collect something that's being lost so where are our leaks in the system so where are the leaks in the feeding in system but also where are the leaks in the system going out where am i losing time which might be earning me an opportunity for me to earn money where am i losing money because i'm spending on other things i'm not even really noticing about what i don't need by reducing that need for financial income immediately we can start to claw some of our life back and do things perhaps we enjoy doing because a livelihood is not just about how we earn money it's about um do we enjoy our life what's the quality of life that we have and our world has focused this so much now on to and more and more money so that you someday you could retire and enjoy it and many people get to that point and don't live a very much longer because they've exhausted themselves so for me part of my quality of life is how much do i need to earn and then pitch it about that level i don't need to be earning huge amounts of money because i've pitched my lifestyle at that place it's also worth thinking about um where you're earning your income from so you may have a primary job some many of us only have one job and of course that puts us at risk in the same way as the farmer who is selling to a supermarket his entire crop goes to the supermarket then if the supermarket turns around and says actually it's not quite up to standard we don't want it then they're stuck because they've got no way to sell that it's much more difficult for them to market that so it's the eggs in one basket situation and many of us find ourselves in that situation in the modern world so in nature we find a diversity uh that each important function is met by um many elements so i teach and i earn a significant chunk of my income from teaching um i do have it to go back to if i need to but i haven't had to do that i get a bit of income from royalties from my book um i'm starting to do a little bit with online courses and i also have a very small scale retail business so all of these things sort of sit side by side and it's very interesting how when one of them kind of eases off a little bit another one will pick up so there's diversity in that and it's also worth looking at where do we earn a living because um there's something called the hierarchy of needs which was simplified by a guy called Clayton Aldifer a little while ago to three levels and the basic level is uh the base level is existence it's expressed as a triangle you have existence that's meeting our physical needs like our food and water and energy and shelter and that kind of thing and on top of that then there is uh relatedness that's all about how do we interact with each other and then on top of that is growth and the the essence of it is that if we're hungry or we're thirsty or we're cold then that's the thing that dominates that's the thing that we need to deal with whereas when we're we're meeting all those needs and we're comfortable then we're looking at how the you know whatever our relationships with people i need to hang out with people build those relationships and once we feel safe in the social sense then what is it that i'm here to do so if we think about where we make a livelihood or where we make a living where we earn money then we can also say where does it sit in that triangle so if you're a supermarket you're basically selling at the level of existence and uh because we don't value food so much anymore then what's happening there is that you've got to basically sell a lot of food with small margins to earn money and that's why it's difficult for small scale organic permaculture growers to make a serious living because we don't value food anymore and we don't really want to pay too much above the basic level even if it's a really much better quality if you're operating at the level of growth then ironic sort of food and growth but growth for human growth and so on then there's a potential to make quite a lot of money at that level because um you know that's your entrepreneur and so on but at the same time when a recession comes along a financial problem most people stop spending at the level of growth they stop going to the cinema and buying dvds and new computers and so on and focus on we need to pay the rent we need to buy food so if you operate at the top of the triangle then you're actually potentially vulnerable there so it's it's useful to think about where is your poly income coming from and to spread it across those three areas interestingly as a permaculture teacher with some gardening skill then i can grow food and i can teach people how to grow food to some degree not as good as some not as well as some people can um but that's the level of existence so i can make a living for myself i can be valued by society at that level but also teaching permaculture courses is at the top of the triangle so and i would say some degree in the middle because it's also about bringing people together and creating networks of people so look to pitch your livelihoods in those three different levels if you can because that will also give you resilience and there's also different approaches that we can use for different design frameworks as we call them including one that libya maknamara developed called the design web and she's very much been applying that to social design social landscape and that's been very successful way of looking at designing things like livelihoods but really i think what i would say is rather than just tell you a whole bunch of stuff is just start thinking about there are ethics there are principles um how can we apply those principles because essentially a financial income is still the same system it's still inputs there's a stock and then there's an output in the same way that there is in a garden or a water butt system or an electricity supply system with your solar panels and your battery bank and so on so just do a bit of thinking for yourself and if you're really interested we also ran a course about designing your own ethical livelihood which you can find out more about on the website