This is the VOA Special English Economics Report. In early January, President Obama appointed Richard Cordray as Director of the Consumer Financial Protection Bureau. This new government agency says it has already made home loans and credit card agreements easier for Americans to understand. But the Obama administration said the Bureau cannot supervise financial products like home loans without a director. The president used a measure known as a recess appointment to fill the position. He nominated Mr. Cordray last July, but the opposition Republican Party blocked a vote in the full Senate. Mr. Obama announced the appointment during a visit to Ohio. It was his first political campaign trip of the year. He told the crowd that the severe economic crisis three years ago did not happen because of too many financial roles. Mr. Obama said, does anyone think the reason why we got into such a financial mess? The worst financial crisis since the Great Depression, the worst economic crisis in a generation that the reason was because of too much oversight of the financial industry? Of course not. We shouldn't be weakening oversight. We shouldn't be weakening accountability. We should be strengthening it. President Minority Leader Mitch McConnell criticized the president's appointment. Many Republicans oppose the new agency, saying its goals are not clear. They also want a group of people to lead the agency instead of a single director. The Consumer Financial Protection Bureau resulted from the Dodd-Frank Wall Street reform and Consumer Protection Act of 2010. Its goal is to make the market for financial products safer. Educating Americans about investment and loan products, enforcing financial laws, and studying financial information are all part of its duties. The agency's budget is expected to be around $500 million. Richard Cordray served as Ohio's Attorney General for two years. He has earned praise for bringing legal action against banks and financial companies accused of harming homeowners and borrowers. Mr. Cordray launched cases against Bank of America and insurer AIG. His recess appointment is effective only until the end of the Senate's current term. For VOA Special English, I'm Carolyn Presuti. For more business news, go to voaspecialenglish.com where you can download MP3s and texts of our programs, read, listen, and learn English and much more. Click on the classroom for learning activities and interactive features. And join us on Facebook, Twitter, and YouTube at VOA Learning English.


Men hate women who do these five things. Well, I guess five things. We're gonna dive into this today. So really quickly, I just wanna be transparent with you all. I saw it with you all. I saw this title on Stefan Speaks YouTube channel. And while I did not watch it, so I have no idea if there's any comparisons between the two, I love the title. And I thought I would share my perspective on things that piss off men and quite frankly, everything I'm about to share is true for men and women alike, okay? Now, let's just face it, in the early stages of dating, all it takes is one little thing to like blow a second chance at a date or one little thing to blow a third chance at a date.  And I think this is partially true because we are meeting total strangers in the dating environment. We're meeting total strangers. And because of that, we don't have this strong sense of familiarity, strong sense. Everybody says to me, why isn't dating easier? Why shouldn't it be simple? Shouldn't it be easy? It used to be simple for my parents' generation or the generation before them. Well, yeah, let's take a look. Let's go back and we'll get into our hot tub time machine and go back hundreds and hundreds of years ago. Folks, hundreds of years ago, most people made it within the tribe they lived in. Let me repeat that. They made it within the tribe they lived in. In other words, they shared the same values. They shared the same religion. They shared the same politics. And I don't mean just here in the United States, I mean throughout the world. You know, we shared the same cultural background. We shared similar interest in music and things like that because the world was much smaller to some degree back then. So it was no wonder it was much easier to mate compared to today. We have a lot of little nuances and things that can actually disrupt the connection of two people to join in and join in on a healthy, happy relationship. Now, I recognize it's very frustrating for many of you dating out there.  I mean, the reality is these days, casual relationships, situations, friends with benefits, not labeling things, taking it slow, taking it slow. By the way, folks, when a man says let's take it slow means I am happy to have sex with you but I am going to stretch out for as long as possible any emotional or any emotional connection with you or any emotional commitment with you. That's what means taking it slow. So I recognize that many of you women are rather frustrated because the standard of relationship is so confusing today. What is the standard? There is no standard. It used to be hundreds of years ago. If you wanted to get laid, you had to get married. That was the standard. It was an easy thing to conceptualize. It was easy to conceptualize this. Today, do you know what the standard is? Our smartphones for a lot of men has really replaced prostitution. Oh, there I said it, a dirty word. But I mean, literally, men don't have to go to prostitutes. They can just swipe on dating apps, hook up with somebody and within three dates there's a good chance he'll have sex with someone. And he doesn't have to give any further commitment beyond that. Now, is this all men? Absolutely not. But this represents a significant percentage of men. And so I'm only bringing this into the context of this conversation is to recognize that ladies, I understand why you've become so overly sensitive. And what may happen is you're doing these five things because you're trying to protect yourself from those men. Look, I wish I could be there for you on a big, on a first date. I'm your big brother. I'd have the shotgun pointed at the guy's head and say, what's your intentions with my little sister? And the point of that illustration is that there's a consequence for bad behavior. There's a consequence for bad behavior. These days there's no consequences for bad behavior. We can treat people emotionally. We can treat people almost to the point of abuse. I don't mean abuse, but close to it. And there's no repercussion for it. And I guess this is where personal responsibility plays a part in this as well. So much of my work is centered around folks, if you're familiar with my book, what the heck is self love? Anyway, a journey of personal development, self-help and spiritual work, there's a link below to get a copy of my book. It starts by being in an empowered place for yourself. So you don't make these early mistakes that trigger someone to go the other direction. And just remember, it is rather tenuous at best the early stage of dating. We are feeling each other out because as I said in the beginning of this broadcast, we're meeting total strangers. By the way, for the record, I believe the first telephone call is the first date. And I recommend spending up to an hour finding out as much about this person just to see if you have some base alignment, some base alignment with this person, because you might find out in that telephone call, you don't need to get dressed up on a Thursday, Friday, Saturday night to meet someone that is misaligned with you. I know all the dating coaches say, it's a numbers game, just put yourself out there, just put yourself out there, go out on as many dates as you possibly can. In fact, we want you to date three men at the same time.  And worse, how emotionally, how that can affect us from an emotional perspective. This form of numbers, this cold call way of dating is part of the problem why people are so sensitive, but we're gonna get into it more granularly in a moment. We're gonna get into the nitty gritty. Okay, what I'm about to share is true for men and it's true for women. Okay, so this is like things people do that screw up the early stage of dating, but particularly we're gonna talk about how men dislike this and you can apply this to men as well. First and foremost, flaky behavior, flaky behavior. I can't begin to tell you in my own experiences how absolutely flaky women can be. They can be flaky in their communication, they can be flaky at planning events like dates and whatnot like that. I will tell you that flaky behavior is one of the primary reasons why a lot of, okay, let's call the first date actually a first meeting, okay? So after the first meetings, you wanna know why a lot of times you don't get a first date, you showed up late, and or you were flaky in your communication prior or maybe he just wanted to check you out, but I will tell you, flaky behavior typically results in this, okay? Now you might see, this is where I'm gonna share something with you. The book, the rules fucked it up because the book, the rules has implied game playing techniques, but game playing to a high quality man appears as flaky behavior, waiting a long time to return a text, blowing someone off at the last minute so that you can create tension and anxiety between the two. I'm gonna tell you something for an emotionally mature man, this is what he says to that. He says, no. Now grant it, we have a dysfunctional population of human beings that will fall into the category of temporarily hooking somebody through flaky behavior, okay? But I will tell you for the emotionally mature man, that's gonna backfire on you every single time. Is this sinking in? Is this resonating? Please let me know, hit that like button if it is, okay? Number two, complainers, complainers. I have to tell you, I've experienced this in my own dating experiences where I've gone out with women and you've seen it with men too, so this isn't singular to women.   Now usually this doesn't happen on a first, second or third date, it usually begins to happen when there's a bit of rapport built with somebody.  And I will tell you for that evolved, emotionally mature man, he doesn't wanna deal with it. We men, or if I'm gonna put myself in this category is we're seeking women who are in a state of gratitude. It's an attitude of gratitude. See, I understand why, to some of you complaining might be venting, okay?  When you're venting it merely to get it off your chest without any resolution to it, it comes across as complaining. And I will tell you, I've witnessed this, so this isn't like, and by the way, ladies, you've gone out with men too, you've been with guys, they've complained about their family, they've complained about their friends, complain about the economy. By the way, complaining about politics is not healthy conversation to complain about it. Certainly there is a lot to be concerned about in the world, but to complain about it serves no purpose, okay? Number three, now this does directly relate to men and women. And number three is we are not mind readers, ladies, we are not mind readers, particularly if we ask you, where would you like to go tonight? What kind of food do you like? We don't ask that, well, Jonathan, that just tells me he's not confident because I am just supposed to sit my feminine energy and let a man lead. That's what men are supposed to do. I'm only attracted to that confident man who knows what he wants. Folks, sometimes we ask you what you want because we actually want to please you. We actually want to please you. If you said you wanted sushi, great, I'll go on Yelp, check out the sushi places and schedule a place or I'll go on Open Table. But sometimes we ask what you want because it's our way of saying we want to make you happy. So then when you dismiss it, reject it or avoid it, then we're trying to read your mind after that. It's a big turn off to us. If you want to go do something, then just say it. It brings us joy when you are decisive, when you actually volunteer assisting. But Jonathan, that takes away from his masculine, that's me being in the masculine if I do that.   This whole narrative about women, now look, let me just be clear because I'm going off on a squirrel here.  That's not masculine behavior.  So we have to differentiate. When you hear a lot of that from some of my, I don't even want to call them contemporaries. I'm talking about some of the noise you hear out there. Good human behavior is not masculine or feminine. It's just good personhood. Is this sinking in? Is this resonating? Please let me know. So we can't read your minds. If we ask you something, it's because we genuinely want your input. So share your input, okay? Number four, talking negatively about an ex-relationship or an ex-spouse. Talking negatively about an ex-relationship or ex-spouse. Ladies, I don't care if he was 97% at fault. If you throw him under the bus and take no ownership with your 3%, it is a turnoff to the emotionally mature guy because the emotionally mature guy takes a hundred percent responsibility for his failure in a relationship. And if you don't take a hundred percent responsibility of your part of the relationship, if you literally point the finger at the ex-spouse, the ex-relationship, it is all there. They were a narcissist. They were abusive. And I get that's what your experience might be. But I'm here to say, hey, listen, 90% and 80% of guys won't have a problem with it because they are emotionally mature enough to recognize that you have issues. But then again, if he accepts you, he has issues, okay? We are swimming in a sea of dysfunctionality. So it's no wonder we see so many transactional relationships, transactional relationships. See, I said earlier, I talked about situationships, casual relationships, friends with benefits. The fact of the matter is in today's world, we're in a lot, we experience, many people experience transactional relationships. They're not soul-based relationships. See, transactional relationships follow a traditional paradigm. Men are the leaders of the relationship and women must submit to men. This is the whole red pill narrative. This is the religious right narrative. It takes away women's empowerment. But more importantly, it takes away the concept of co-creating a relationship with another human being, co-creating a relationship. Do you know what co-creating looks like? It looks like this. It's not this, okay? It's this. Don't you want to co-create a relationship with another person? You know, there's a business book. This isn't a relationship book, it's a business book. It's called the Partnership Charter. How to start outright with your new business partnership. I want you to think about this for a second. When two attorneys come together, they could be man and woman. They could be two men, two women. Two attorneys come together, two sovereign beings. Each one of them might have a strength. One might be a good rainmaker. The other person might be a good admin person. They come together as partners. They have partnership meetings. But Jonathan, I'm supposed to just sit in my feminine energy and let the guy do everything. I'm supposed to do nothing. Like, where did that become, like, where is that logical? You know, I mean, well, maybe I'm wrong. Okay, take that back, rewind. To me, I'm here to encourage a more part-centered way of approaching this from your individual empowerment and not the traditional narratives that we've been sold on. If you haven't read this book, I highly recommend the book. If the Buddha dated, if the Buddha dated, oh my God, chapter nine talks about the emotional equality necessary for a healthy, happy relationship. It throws out the gender rhetoric and it says, how can we connect with another human being here? Because isn't this really what it's all about? How to connect with someone's heart? Look, I get it, ladies. A lot of men have concrete surrounding their heart, but believe it or not, women have the capacity to jackhammer their way through that concrete. When you apply some of the principles I share in my videos and coaching program. And by the way, if you need support, check out the link below to a free discovery call with me to see if working with a coach is right for you. And the fifth, and to me, this is one of the most, this is the biggest turn-off I've observed in the dating marketplace is women who make no effort. Or worse, they are non-appreciative. They are non-appreciative. There is this narrative, there is this what I call princess energy narrative. I think the princess energy is seeking their father. And so they have this expectation, this entitled expectation that men are supposed to do everything from paying for dates to planning to doing everything in the relationship. It's very princess energy. It's not queen energy. And they make little or no effort. You know, I'm gonna steal a line from Matthew Hussie. We'll talk about first date. He says who should pay, he was talking about who should pay for a date. And he said, if a man was raised right, he should pay for the date. And if a woman was raised right, she would offer. See, it's not so much the money, it's the effort that matters most to men. And more importantly, actually appreciating our efforts. Ladies, how frustrated are you when you're with a man who doesn't appreciate your efforts? And I gotta tell you something. There is an entitled group of women out there that just expect to be treated. And by the way, the more attractive the woman, the more entitled I've observed. The more attractive, this is just a generalization. This is my judgment. But the more attractive the woman, I find the more entitled she is. She is less appreciative and makes little or no effort. And that's a big, that's, you know, guys who are emotionally mature, look it. We, you know, men who are financially successful, they have no problem. It's not about paying for dates is what we're looking for is what effort you make into the relationship other than just showing up dressed nice. But Jonathan, I spent all this time getting dressed up. Well, the guy spent time getting dressed up too. Okay. I know it takes longer for you to put makeup on. I get it. But that's not we're talking about. It's the effort that matters most and more importantly, more importantly, the appreciation of the effort. And again, this is just my interpretation on everything. Okay. So is this sinking in? Is this resonating? Please let me know. I'd like to hear your thoughts on this. Post a comment below. Just to reiterate, and by the way, if you like this content, please hit that like button. Please share this video. Please subscribe to my channel and hit that notification bell so you can be notified of new videos. And just to reiterate every, the five things, flaky behavior, complainers, expecting us to read your minds, talking negatively about an ex-relationship or spouse and lastly, not making effort or worse, not being appreciative of our efforts. All right. Those who know my live stream format, if you have a question, write the word question, then post the question there after, or you can purchase a super sticker super chat. There's a little dollar sign in the chat box. All the monies from the super sticker super chat goes to a scholarship fund in the name of my son, Connor Asley. That's a picture of him right there with his brother, Colin. It's my son who passed away over five years ago and as honor, we donate to causes like the Hoffman process and Insight Institute, just to name a few, as well as scholarships to my coaching. And by the way, our goal tonight is $50. $50 is our goal. So I'd love for you to give some love to the Connor Asley scholarship fund. All right, let's see what we've got in the way of questions. Write the word question, then post the question there after. Sandy says, I disagree. I do not feel entitled and I always offer and I'm very giving, I guess there are some people that are that way, but there are a lot of us that are not. OK, but you said, but I want you to say something. You say you disagree with me. I understand you might not believe it's for you. But let me just say, it's a very true statement out there and not saying it happens 100% of the time or 80% of the time or even 60% of the time. But it happens enough of the time where men feel used. And more importantly, one of men's biggest frustrations with women is not feeling appreciated or efforts, not a feeling appreciated for efforts. OK, all right, let's see what we've got here. It looks like Thelma House Street Ranch Ministries, a very wealthy man with many options. How do I know if he really is interested, slowly emailing me back, I want to know him more, not a desperate lady like most he knows 24 seven. I need more.  OK, it just means he has money, but he has many options. I get that. How do you know if he's really interested? He's making consistent effort. That's how you know if he's interested. He's making consistent effort. That's how you know any man is interested through consistent effort. All right, if you hey, folks, if you want to join the hot seat, meaning you want to talk to me live, I just put the link in the chat box. You can click on that and we can talk live here if you have a specific question. Again, if you have a question, write the word question and post the question thereafter. Let me see. Lexi said men expect a higher level of appreciation for the same tasks performed by women. I'm a big believer of mutual appreciation. To the extent that there might be truth in what you said, and I can't think of an example right now. And again, that would be a generalization. I think both men and women want to be appreciated for their efforts mutually. I think that's a fact. So I understand where you're going. I can't think of an example, but I do agree with that, to some degree. Bernadine says, people that just talk about themselves and spend a little time getting to know you, yes, there is a significant percentage of that. Tia Hicks is in the house. Question, we're talking to complete strangers on dating apps. Why would a guy want to meet right away after minutes of chatting without getting to know one another first? Is that a red flag? No, that is actually a very common occurrence for men and women alike, because they don't want to spend a lot of time talking on the phone if there isn't going to be physical attraction. What you might want to recommend in those cases, do a FaceTime with that person. Because that's what they really want to know. Just say, hey, do you mind if we do a FaceTime first and see if there is mutual attraction? Simple as that. But great question, I appreciate that. By the way, I've been stuck on this song. I ain't worried about it. What's that? Wait, I ain't worried about it right now. Wait, the lyrics. I don't know what you've been told, but time is running out. No need to take it slow. I'm stepping to you toe to toe. I should be scared, honey, maybe so, but I ain't worried about it right now. By the way, I'm a terrible singer, but this song is like listening to it over and over and over again. OK. Tia Hicks. Oh, wait, we keep going here. Billy Holt is in the house. Billy Linholt. Question, so if we begin a relationship and have a broken back and didn't realize my doctor was a quack and I behaved all the wrong ways, is it over? Well, there's a saying, if it's sincere and from the heart, you can't say the wrong thing to the right person.  I guess what you're saying is you are having a physical ailment that caused you to act outside of your normal character. Remember, I started this conversation by saying the first couple of dates where most humans are rather sensitive to familiarity, way to launch a relationship. So it's probably going to be a challenge if you didn't build a bit of rapport. Is it over? Well, it's only over until one person walks away. So if they haven't walked away, it isn't over. Janet's in the house. Why do men have a difficult time in approaching a good-looking woman? A fear of rejection. I mean, I'm terrible at walking up to a stranger. First off, I don't walk up to a strange person, because that to me feels like it's all based on looks. And unless there's a real connection that happens, if there's eye contact and a real connection, I'm not going to walk up to a strange person. That's just me. I'm also probably afraid. OK, I'll tell you a story. So this was years ago, right after my divorce. I remember it was St. Patrick's Day. I was at a bar with some friends sitting at a high-top table. And about 10 feet away from me was a group of women sitting at the table. And there was one just really beautiful woman. And she's looking at me, and I'm looking at her, and she's looking at me, and I'm looking at her, and she's looking at me, and I'm looking at her, and she's looking at me, and I'm looking at her. This goes on for about an hour and a half until I finally walked up to her. I'll be honest, I was afraid. It's just owning my truth. And now I happen to be, I think, 42 or 44 at the time. And I started to chat with her. And the first question I said, how old are you? And she said 29. I had no idea of what her age was, because people, I mean, their age can be misleading. So I said, oh, I'm going to assume you want to have babies. Do you have children? She said, no. I said, are you going to want to have children? She said, yes. I said, have a nice life. I already had two children. I went through a divorce. I didn't want to go through that, so there was no need. And I didn't do that. I mean, I said, I'll polite the bye. But I spent all that time, and we were misaligned. So anyway, that could be the reason why. Fear of rejection. Phyllis asks the question, how can a my guy friend be my boyfriend?  That's how you take a friend into a different category.  You're asking a complicated question. Does he have you guys built, or you guys have you talked about a relationship with another? Probably not. I think what you're referring to is you have an attraction, maybe some unrequited love for somebody, and you're hoping that would shift. So have a serious conversation with them. Ask them, would you be interested in exploring a relationship together? But Jonathan, I can't ever say that. I might get rejected. Nothing ventured. Nothing gained. You got to make effort. If you want something, go after it. The worst thing that can happen, you're embarrassed for like 10 minutes. But trust me, everybody, I want you to make a list of about the 10,000 times you've been embarrassed in your life. Make together a list. And if you can recite all 10,000 times you've been embarrassed, you're cured, OK? So make the effort. You have nothing to lose. I mean, I doubt it's going to work, but at least making the effort is the most important thing. Michelle, question. I just ended a year-long situation, whatever, LOL. Going forward, when I date again, how do I know when it's love? How long should I wait? I don't believe two people should say the words, I love you, until you can say it from this space. I love you means I'm here. You matter. We are important. I've got your back. I'm not going anywhere, and I only want you. I'm here. I'm present to this relationship. I'm present to this relationship. You matter. That means your feelings are at par with my own feelings. That's what you matter means. Your feelings are important to me. We are important. That means the relationship is a separate entity. There's a you, there's a me, but there's a separate entity of the we, and we're going to do whatever it takes to forge a solid relationship with one another. I've got your back. You know what, if you need a ride at the airport at 4 AM, either one of you, I've got your back. I'm going to be there for you. I've got to go to colonoscopy. I miss being in relationship with someone, because if they were with me, they would go with me. I'm not going anywhere. That means I'm all in, good or bad, I'm going all in. And I only want you.   I just want to get off with you. I'm here. You matter. We're important. I've got your back. I'm not going anywhere. And I only want you. So how long should you wait? When you can say that, when you can each say that to each other and mean it, that's when you say it. That's when you know you're in love. Michelle, did that help? I hope it did. Thelma House Street Ranch Ministries. Question. He's been married five times all over the internet. He's getting back to me. I do not trust him romantically. I offered him a business relationship for one year waiting to hear from him. And on 10, OK. I don't know what your question is, but if you don't trust someone, why do you want to even invest money with someone you don't trust? I find that fascinating. I find that fascinating. Lisa's in the house. A lot of dating apps like Match let you do video date. Exactly. I don't worry. I ain't worried about it right now. Sandy says, I understand about not asking a good-looking woman out, but we sit home a lot. And then there's always done that we don't have a date. I guess I just need to be asking them out first. By the way, if a great-looking woman asks me out, I'm not going to say no. Well, I mean, I'm going to want to find out some particulars to see if we're alignment. But trust me, you know what? If you've got a guy you want to ask out, ask him out. You know, I ain't worried about it right.  My boyfriend and I live abroad together. At times, he comments on my appearance. Example, thin lips, slightly deviated septum. Is this a red flag? By the way, everyone says, I'm more good-looking than him. You know, criticism is a killer to a relationship, criticism. And it usually comes from an insecure place when a person criticizes you, particularly for looks. Maybe he senses that all your friends think you're better-looking than him and he has an insecurity. So you didn't really actually have a question. Oh, wait, is this a red flag? Yes, everything is a, that's a red flag. Yeah, red flag simply means, so you got to ask yourself, is it a deal breaker? See, is it a deal breaker to you? But acceptance means accepting a person warts and all. And occasionally look at sometimes criticisms come out, but it's only if it's consistent that I would be really, really worried about it.  But if it's sparingly, if it's just an occasion, I don't know if that's worth throwing away a relationship, I would certainly have a conversation about how that makes you feel. You know, ladies, let me see which book I have. Okay, well, two books. Nonviolent Communication by Marshall Rosenberg. Nonviolent Communication by Marshall Rosenberg. In addition, I hear you, the surprisingly simple skills behind extraordinary relationships. Learning to express your feelings in a non-confrontational way allows for him to step into his feelings. You know, sweetheart, I appreciate so much about you and I just wanna share something with you that gives me anxiety. Is it okay if I share it with you? Ask permission.  Or let me reframe that. When you do that, I feel sad. I feel less than. And I know you care about me, so would it be okay if you could refrain from that kind of language towards me? Because I know you wanna have a good relationship between the two of us. And could it be, is there something that's bothering you that you have been unwilling to share with me? Danielle, that might be a way to approach it. And if you want to go back and rewind this at the 37 minute mark and, you know, or read these books to learn how to communicate what you're feeling in a way that can land on him and maybe the two of you have the possibility of mending this difference. Is folks, is this sinking in? If that resonated with you, let me know, say Jonathan, thumbs up. Lexi says, dating is salesmanship on both sides. You have to put yourself out there, indeed. Jack Lean says, thank you for shining a light that is specific to my age group. I'm really enjoying my transactional relationship. It works so well because I stopped chasing and started allowing and appreciating the way to go. I'm not a big fan of transactional relationship. Let's keep. All right, Billy Holt. Jonathan, question ladies, do you think Jonathan would look good with a Van Dyke? I used to have one. I'm, you know, my, okay, folks, I do not have gray here, okay? I do have gray here, okay? This is totally gray. It doesn't look good on me. So it does, the contrast just does not look good. So, but thank you. That's, by the way, if you have any more personal questions of me, write the words personal question and I'll answer any personal questions you have. Or if you wanna join the hot seat, hit that link right there. Sandy is in the house. I asked partner for more time together throughout the week and he was upset with my request. We saw each other once, maybe twice every other week. Why do guys hate this request? Cause they're non-committal to you because they want a beck and call girl. They want someone at their availability. That's not partnership.  If you haven't read the book, eight dates by doctors, John and Julie Gottman, Sandy, read this book, establish the kind of relationship you seek.  There's a saying, women give wife duties at girlfriend prices.  Probably already is, but you're not willing to break from it. Diane, how much do you have to say thank you when the guy pays to be believed that you appreciate their effort? I had a guy insinuate that I never said thank you and I felt like he was wrong. Okay, great question. So, okay, everybody, I want you to replace the words thank you from your repertoire. And I want you to begin to say the word, use the words, I appreciate you. I appreciate your efforts. I appreciate that you treated for dinner. I'm grateful that you took the time to make arrangements and that you paid for the date. I'm grateful. I'm in much gratitude for your effort. Replace the word thank you. Thank you is hollow. You see, we hear thank you when we say thank you to the barista for the cup of coffee. We say thank you to the person at the grocery store for ringing up our groceries. You see, thank you is hollow. Replace it with words of appreciation. Replace it with the words gratitude and grateful. That would be my request I am, okay? Hey, Jenelle is wants to be on the hot seat. Hi. Hi, you've been on before, right? I have been on before. So thank you for letting me back on here. All right. All right. So first off, when I was on before, I misspelled your name. So sorry about that. And second, here is my question. I tried to type it, but it took up too much space. So in relationships, it seems to me at the beginning, I am more confident in voicing my opinions and what I want, that kind of stuff. And then the more time goes by, I become more timid. And it's every time. And that seems so backwards and really bad. No, it's not. Oh, okay. Because in the beginning, well, let me jump in.  Exactly. I mean, let me rephrase that. You know what? And I'm saying that a little tongue in cheek, but you're not attached to the outcome. You're not attached to this person. But most importantly, the minute you become vulnerable to another human being, you know, it's scary. You know, the minute you open your heart to another person that's rather scary because on some level, they have the power to destroy it. They have the power to rip it apart and burn it at the fire pit. I'm exaggerating, of course. I'm with you. So one of the chapters, you know, it's interesting. My son Connor, the one who passed away, the chapter five in the book is called, hold on a second. What page is it on? 39. So read what that says.  Yeah, okay. So what that means is retaining your power in a relationship, it starts by working on non-attachments. In other words, and I'm not saying that we don't come attached to another human being, but we work on not being so attached that if it doesn't work out, you know, we're gonna still be okay.   What that means is you retain your power, the way you did in the beginning through the middle. Now, of course, the more attached you become to someone, it's gonna be more difficult, but this is where learning healthier communication techniques with one another pays dividends by building a relationship that's built on trust through, you know, through social activities, hobbies, mutual interests, spending time with family and friends, traveling together. The more trust you build with another human being, the safer we feel to communicate with them. But I feel like there's something deeper in your question that you're not asking. So what is it that you're really asking? Well, so I'm not sure really. What I was going to ask you is if you have, I don't know, like techniques or something, like for me to stop doing that, you know, or for me to keep my power, you know, cause it's every time the further it goes. I want you to write this down in every, but someone put this in the chat box. I want you to write after my broadcast. I want you to go on YouTube. I want you to type in, stop it, Bob Newhart. Here, we'll do it together. So here, bear with me one second. Now, this is a little tongue in cheek, okay? Stop it. Okay. Do you see this video that came up? Here, wait. Oh, that's, I didn't want it to start. I didn't want the, okay. See that woman right there? She says six minutes and five seconds. She says, stop it, Bob Newhart. Now, this is a very, by the way, you look like her. Look at her.  That's pretty. So I want you to type, I want you to watch it. It's a funny tongue in cheek. So what's stopping is a metaphor for self-discipline.  Like if you know your issue, then discipline says, I'm going to, I'm not gonna fall in the hole. So this takes willpower. There is no magic. By the way, this is where a lot of fantasy is in personal development. I mean, I've been at this, I'll be candid with you. I'd say, Reed began my journey in 2006, 2007. So what is that? That was 17 years ago. And for the first decade, I was like a snail's pace of improvement. But little by little, each, it was like peeling a layer of an onion. It was like the thinnest skin at first every single day. It began becoming more accelerated when I was intentional at really being mindful and learning how to regulate my emotions. But this isn't like one simple thing. It's literally peeling a layer of an onion every single day. So avoiding the impulse to step into the hole, or in your case, it would be to the impulse to hide your voice. You know, I want to invite you to the opposite. Do practice speaking up in small ways, speak up in small ways. And if you build that muscle of speaking up in small ways, do you get what I mean by speaking up in small ways, you know, and things that aren't as scary and the more you do it, the more you do it, the more you do it, the more you do it, then you will feel more confident when you start expressing yourself from, this is how I feel.  But when we begin to learn how to speak from I statements, this is how I feel. Not that you make me feel this way, this is how I feel when this happens. Right, right. Well, thank you for letting me back on and thanks for. You're welcome. You've got great energy. You've got this. I just want to come and pinch your cheeks kind of energy. You're so adorable. Thank you. Excuse me. I watched another one of your videos today real quick. I'm sorry and then I'll get off your screen. It was you and another girl. It was on your, it was on her channel. It was a, I don't remember her name. Anyway, it was a very spiritual talk. Yeah. Okay. Yeah. You mentioned the, the whole, the awareness, the whole in the street analogy. That was cool. I like that. Yeah. By the way, so what I was describing for everybody is I learned it from, and let me share it with everybody real quick. I learned this from Wayne Dyer. I didn't learn it from him personally watching a video. So you're walking down the street. There's a deep hole in the sidewalk. You fall in, you're lost, you're helpless, but it isn't my fault. It takes a long time to get out. The next day you're walking down the same street. There's a deep hole in the sidewalk. This time you see it, you fall in, you're lost, your hope, you're helpless, but it isn't my fault. It takes a long time to get out. The next day you're walking down the same street. There's a deep hole in the sidewalk. You see it there. You fall in. It's a habit. It's your fault. You get out quickly. The next day you walk down the same street. You see that deep hole in the sidewalk. You walk around it. And the next day you walk down the same street, or you walk down a different street. The point is the holes in our sidewalk are our negative patterns, our limiting beliefs, our fears, our judgments, our resentments. The minute we take ownership of it, that's 80% of it because even if you fall in, you can get out quickly. And that's my invitation for you in this particular case. Well, thank you. Canelle, thank you for allowing me to pontificate for a moment. I really appreciate it. I do too. My Leo Ego loves it, so I'll just own it. Anyway, I'm saying that tongue in cheek. Can I reach into the camera and give you a big gigantic chocolate and bear hug? Yes, thank you. Thanks so much. Be well. Thanks, bye. Thanks, bye now.  See? I'm not so bad. Let's see what we have in the way of questions. I know I missed a lot of your questions. Ellie says, thumbs up, thank you. Thelma says, I tried, I am tired of dumping wealthy men. How can I get them to take me seriously? Why are you stuck on wealthy men? How do you take someone seriously? When you forge a relationship right from the very beginning with radical honesty, laying your cards on the table and the rules of engagement, that's how you get someone to begin to take you seriously. But I would say also taking yourself seriously too. That's too complicated of a question to kind of answer in this format. All right, Mel Stiller, what's your advice on dating in your early 70s? Non-attachment. The reality is as we age, that pool is complex. You know what my advice is for you 70s? Go to retirement communities, go to assisted living facilities, where else? Go where 70s hang out, pickleball, pickleball.  Gary and from the golden bachelor is a big pickleballer and he's 72. Go play pickleball, that's my advice. Billy says, thank you for taking my question. You're very welcome. I don't worry about it right now. Annette wrote, this isn't a question, but she wrote, dated one who did nice things for me, but would always tell me how much work it was, made me feel like I was doing something for him, which was such an inconvenience. Sometimes gratitude, never enough for some. That is true. We have a lot of emotionally wounded people. If you haven't seen my chart, folks, this is not a fact, it's merely an opinion. But I roughly say that emotional maturity relationship skills, roughly 20% of the population has clinical issues. And while I say 20% are healthy, I'm being very generous, most everybody is dysfunctional. Myself included in that category. Bum, bum, bum, bum, bum. Elizabeth's in the house. Sent him, sent this to him. Maybe it won't work out, but maybe seeing if it does will be the best adventure ever. I sent him, I sent a guy I thought liked me and ignored me communicating since mid-September, now high and dry. I don't know what the question is there, but hey, great job making effort, that's awesome. By the way, earlier I mentioned the video, Stop It by Bob Newhart. Aurora says, oh my God, I know that episode. My prayer minister told me about that. It's great and really helped me. Yes, Stop It, Bob Newhart. It's the funniest thing. I ain't worried about it right now. Janet says, Jonathan, the I statements are true. I agree. Wayne Dyer is cool, I agree. Rest in peace, Wayne Dyer. Let's keep going. Lexi says, my mom dates and she's 78, several dates a month from online dates. I had a client 75 years old. I swear to God, she had five boyfriends. I mean, she was like Betty White. I mean, great, by the way, great body. I mean, she was in great shape. I mean, she did Pilates and yoga.  She had all these guys, I couldn't keep up with her. She was like a machine and she met them all online. She was picky, she wanted guys in good shape too. So I get it. Elizabeth says, I have a consult with a somatic, somatic physiology psychology that, wait, that practices, God, I don't know what that is. I'm a big believer in somatic therapy if I'm properly pronouncing it. So folks, Google that somatic therapy. I highly recommend checking it out.  Hey, I wanna give props to Miss Cole for the $10 Super Sticker. Big hugs, $10. Okay, now our goal is $40 left for the evening, send some love. I ain't worried about her right now. Leo's are dangerous smiling men. One tried to strangle me, a lawyer so jealous I could not go outside. You know what? I'm a Leo. I kinda take offense to that. I take offense to labeling a complete group. A group of people without knowing everybody in that group. I just take offense to that. That's my opinion. I ain't worried about it right now. That song is just stuck in my head. I'm gonna go watch it as soon as we wrap up. Bum, bum, bum, bum, bum, bum, bum, bum, bum, bum. Elysian says, I love your con, I put your name by the way or Elysian Fields. Love your content, look forward to listening to your programming in the future, thank you. I found myself laughing in the commercial way, presented your message. You know what's interesting folks? So I'm not funny by the way. I mean, generally speaking, I'm not the funniest guy in the room but there's something about the absurdity of our current dating environment that allows me to draw attention to this absurdity. You know, there's a saying by Dr. Seuss. Can someone write this down? Life's a little weird and we're all a little weird. And when we find someone whose weirdness is compatible with ours, we join up in mutual weirdness and call it love. Life's a little weird and we're all a little weird. And when we find someone whose weirdness is compatible with ours, we join up with them in mutual weirdness and call it love. That to me is the best example of love. When you can be your weird self, and when I'm on my YouTube videos, I'm my weird self, when you can be your weird self with someone and they still love you for it. Did you ever see the movie when Harry met Sally? Does anyone remember how Sally ordered food? I'd like to have the meatloaf, but if it has gravy, I'll have the gravy on the side. I'm making up this part of it. I'll have gravy on the side. And if there's a Caesar salad, if it has croutons, I'd like to have it on the side. And I'd like to have ice cream all the mode. But if you can't warm up the ice cream, I'd like to have cherry pie and blah, blah, blah.  At the end of the movie, he rushes to her on New Year's Eve and he says, I love it that you think 71 degrees is cold. I love it that it takes you an hour and a half to order a ham sandwich. I love it the way your nose crinkles every time you get stressed out. I love it that you're the first person I think of when I wake up in the morning and then you're the last person I think of when I go to bed.  See, he originally called her high maintenance, but what he really realized is she's neurotic, but her neurosis was made her adorable because she had good qualities as well. And I think that's what we're all looking for, to avoid. So, okay, I'm gonna address this question. I wasn't going to because I was gonna wrap up for the evening. Question, hope it's not too personal. Do you think you and Marie moved in together too fast? So I've been pondering that question lately as well. Did we move in together too fast? We had been dating for five months before we moved in together. The thing was, we were engaged in a long distance dating dynamic and I was very clear from the very beginning I didn't wanna do long distance. And she originally implied that she was looking to move to Los Angeles. That's why she was doing searches in Los Angeles. And we spent a year on and off talking to one another before we physically met. So by the time we met, we had a sense of familiarity with one another. And we spent a significant amount of time together over the course of a month or two before we made the decision to move in together. Now, hindsight is always 2020, but I believe we both agreed if we were going to see if this would relationship would work, we'd have to be near each other. So, except for, and by the way, it could have been a disaster. I guess in hindsight, by the way, it was the greatest blessing of my life. She brought so much clarity to me. She brought so much, we brought so much, I believe good things to one another that the fact that it didn't work out is okay because we left the relationship better than where we started as human beings. Am I sad? Yeah, I'm sad. And there's great things about her. There was things I didn't like about her either and there was things about her she didn't like about me. But the end of the day, you know what, I appreciate, we went all in, we tried. She went all in the best she could. I went in all the best I could. And even though it didn't work out, it prepared us for what I believe is gonna be my next relationship that I believe will be truly juicy, delicious, healthy, and happy. And I feel as though I have greater clarity. The word fast is irrelevant. It is what it is. I can't go back in time to change it. Do I regret it?  I am beyond grateful. She is an amazing human being. I hope she feels the same about me. And I wish her all the best going forward. So the answer is no, because it was exactly what we both needed. Is that sinking in? Is this resonating? Please let me know. Okay, let's ask, do you miss your previous apartment? Hell no, I'm in a much nicer condo. It's furnished bitchin'. It's got more space. I have a studio. I've got this amazing view, not that I didn't have amazing view before. No, I am grateful that she, you know what she did?  That's one of the gifts she got me. Just as simple as little things like how to clean and do stuff.  Hey Annette, thank you for the $20 Super Sticker. That means we collected $30. We've got $20 more to go. We're about to wrap up. Send me some love.  I will get back into it, but I do my Sunday morning videos that I do not curse on my Sunday morning videos. I ain't worried about it right now. Liz says, that's really nice, Jonathan. Thank you. Wait a minute. You and Marie learned a lot. Oh my God, we learned so much from each other. One of the greatest blessings in my life. Gigi said, Marie got you out of the Fratboy T-shirts will forever be grateful to her. But I get a lot of people that wish I had it back. But yeah, you know, I got out of that. You know what?  There's more. There's things I don't wanna share because they're personal to us, but she definitely helped me up level. Lisa says, Marie got you out in the world visiting new places. Yeah, I got to see new place. I went to Bogota, excuse me, I went to Cartagena, Columbia. I went through the Panama Canal. I went to Guatemala. I went to Jamaica, just to name a few.  Sandy says, positive change is always great. Thank you. Tia says, Marie is awesome. Yeah, she really is. She's a special lady. I do miss her. I'd be lying if I didn't, but I don't miss her from a anxiety place. It's just there were things that were so, I miss the things that I liked about each other. Plus I miss sleeping with someone.  Oh, Jonathan, you said a dirty word. Yes, I miss making love. God, I can't wait to meet my life partner so I can have regular sex together. Can anyone relate? Please let me know. All right, folks, this would be a great place to wrap up. Hope you found value in this video. If you did, post a comment below. I'd like to hear your thoughts. Please hit that like button. Please share this video. Please subscribe to my channel and hit that notification bell. And I'm gonna sign up this video as I always do.  I'm gonna reach into the camera and give you a hug of love if that's okay. I'm gonna ask you to turn to someone. Pat Teddy Bearer Pillow and give Iter them a hug of love. His hugs are a great source of love. And let's face it, we could all use more love in our lives. I wanna thank Marcy and J.L. and Brian and Lexi and Lisa. Mel and Melanie and True Morris and Janet and Tia and Sandy and Elizabeth and Papa Gigi and Billy and Janelle and Elizabeth. I already said that. Paul, thank you. Beach Lover, Fran, Tia, I already said that. Stacy, everybody, big hugs. Thank you from the bottom of my heart.


We are living through disconnected times, society is polarised and it's hard to connect other people's experiences to our own. Nobody's listening to each other. Maybe it would help to try and see the world through other people's eyes, because no matter what our differences are we all want to live in peace and safety in the world. Maybe it's time to think again. We're a human rights charity and we use stories and film to walk with all sorts of different people, hear their perspectives and show how human rights are helping us all build a better society. So what are human rights? Human rights are the structures which protect the less powerful from the more powerful. They are universal, a shared moral code to allow us to inhabit this busy planet together. After the great humanitarian disaster of the Second World War the continent's leaders resolve that it should never happen again. It's mostly about being human rights and the human rights act in particular are a really good tool for forcing the government to look again at its priorities. They make me feel like I can legally challenge injustices. They offer us a set of shared values. It's about the kind of society that we want to live in. If it wasn't for right people would be getting rid of the world. We constantly have to fight for our human rights because so many people before us have fought for them and died for them. We need to work for each other and look out for each other no matter what colour of your skin, your race, your religion. You know we've got to work together for mankind. Human rights are the choices that we make. They are the responsibilities we have to each other to care and to look after one another. We are each other.


Hello everyone. I welcome you all for today's session on fundamentals of traffic flow. Today we are trying to cover on sub-overly traffic volume. Myself, Pashok Kumar. Assistant Professor, Department of Civil Engineering. Walsh and the Institute of Technology, Sulapur. Learning outcomes of the today's session. At the end of the session, students will be able to calculate sub-overly traffic. As we know that overly volume is the main basis for a design and analysis of a traffic. But the variation of traffic within a given hour is also of considerable interest. So we always talk on overly volume, daily volume. But within an hour, there might be a variation in the traffic also. So as a traffic engineer, we must know that what is that and how it is going to vary it. A facility may have sufficient capacity to serve the peak-over demand, but a short-term peaks of flow within the hour may exceed the capacity and create a breakdown. It means, so overall in a delay, so there might be a peak-over and this peak-over is able to serve the required demand and fulfill the condition. But sometimes within the peak-over, there might be a 15-minute flow or 10-minute flow exceed the capacity and create the breakdown. Breakdown means there might be a condition of a traffic or the queue length is going to be caused on the particular location. So volume observed for a period of less than one hour are generally expressed as equivalent overly rates of full flow. For example, if 1000 vehicles are given to you for 15 minutes, an equivalent hourly rate flow is calculated by dividing 0.25 H. Suppose if you are taking a 15-minute, so in an hour, 4-15 minutes are exist. So 1 by 4, it gives a 0.25. So whatever the value given to you, for 15-minute rate of flow, it is given by 1000 divided by 0.25. So that gives you 4000 vehicles per hour. Actually it is a 15-minute flow, volume is converted into equally hourly rate of flow. Now let us understand little bit more about the volume and rate of flow. So whatever the traffic survey we conduct, it is a volume, a 15-minute volume, interval of 15-minute or 10-minute interval, 5-minute interval, whatever we take the interval of 15-minute, 10-minute or 5-minute. Now the survey is conducted from 5 to 6 p.m. In this one, each 15-minute flow is given 1000, 100, 1200 and 900. Now this volume is converted into equally rate of flow for every 15 minutes. So as I told you, 1 by 4, 0.25. So divide this 15-minute volume by 0.25. It gives you 4000 vehicles per hour. It is equivalent rate of volume of equivalent rate of flow of 15 minutes. So converting volume into equivalent rate of flow. So this is the main difference between the volume and rate of flow. The rate of flow, usually they are taken less than 1 hour and converted into 1 hour. So from 5 to 6, all the 15-minute volume are converted into equally rate of flow in terms of 1 hour. Now observe, say that the capacity of this location is 4200 per hour, vehicles per hour. Now in this condition, for 5 to 15 minutes, there is no any, the flow is not exceeding the 4200. So there will not be any problem with the 5 to 515. From 515 to 545, you can just say that the rate of flow is increasing the capacity of that particular location. Even though this 4200 is capable to serve the demand, but within an hour, we have the variation in the rate of flow. So this is what we are interested, the application of the calculation of the rate of flow is this only. So within the hour, there might be variation and we must, our facility must be able to ready to receive this variation of the demand. The actual flow per hour is 4200, but for 30 minutes from 515 to 545, we have a variation of the traffic within the hour. So this is the sub hourly volume or rate of flow we need to very much interested to know that. So in this one, the condition, it means that in each 15-minute period, the capacity is 4200 by 4, actually 15-minute flow should be 1050. This is theoretical, but actual rate of flow observed from 515 to 545 is 4400 and 4800. So this means this is exceeding the capacity and our facility will break down at this 30 minutes. So why it break downs? Because the actual rate of flow is 4400, that is exceeding the capacity of that particular location. So here we got some unused capacity, so actually the 4000 is there, our is 4200. This unused capacity will not be able to use it for a further time period. So from 515 to 545, we have a breakdown of the facility. So our facility must able to serve this capacity for this rate of flow. Further, what is the problem with this exceeding? Let us see in the next slide. Taking the same one, let us try to calculate what is the queue size is developing because of that 30 minutes. Capacity is increasing in that 30 minutes, that is 515 to 545. Now how to calculate the queue size? Queue size is calculated, initial there is no queue because this is 1050 is capable or this 1000 is capable or it is less than our capacity. So there is no issue with the queue at the first 15 minutes. Now how to calculate the queue size at the second one? Initial queue size plus arriving vehicles minus departing vehicles. So arriving is 1100, departing is 1050. So 15 number of vehicles is queued in the 515 to 530. Now again we have to take in the second initial is 50, arriving is 1200 and departing is 1050. So 200 number of vehicles are queued in the period of 530 to 545. And last one 545 to 6 pm we got another 15 number of vehicles is queued in this one. So this is what our facility is breaking down. If you are not capable, our facility is not capable to serve the demand. The form 30 minutes we got an issue with the capacity. So our facilities should be able to serve this issue for increasing the rate of flow. This is the advantage of calculating the rate of flow within the sub hour or within the peak hour volume. Let us define the another factor, peak hour factor. If you have the rate of hourly volume and maximum rate of flow, we can be able to calculate the peak hour factor. So this is the ratio between the hourly volume and the maximum rate of flow within the hour is defined as the peak hour factor. So put the hourly volume numerator and denominator maximum rate of flow. You have the 1 hour volume and you have the 15 minute volume. So you can calculate the what is the rate of peak hour factor for the 15 minutes. So volume divided by the 4 into 15 minutes. So in the 1 hour 4 15 minutes are there. So that is what we put a 4. Now another example we got a 2 hours survey from 4 to 6. In that a peak hour is observed is from 5 to 6. So within the 5 to 6 530 to 545 we got a 135 number of vehicles. Now how to calculate the peak hour factor? Let's add that 1 hour peak hour volume. So that comes as 464 and what is the 15 minute peak flow? It is 135. Now 4 multiplied by 135 at the denominator and 464 by that value it gives a 0.86 is the peak hour factor. Suppose if you have 5 minutes or 10 minutes volume that also that time also we can able to calculate that. What is the peak hour factor for 10 minutes? Peak hour factor for 5 minutes. If you are going for a 5 minutes so you divide it 60 by 5. So it comes here 12. 12 into 5 minute volume and total hourly volume. So that gives you peak hour factor for any kind of interval. Now let us pause this video and try to think and answer this question. What is the maximum and minimum possible peak hour factor for any kind of the traffic intensity? I hope you are able to give the answer for this. The answer is the maximum peak hour factor is 1 and a minimum is 0.25. Let us elaborate with a small example 1 9.25. So 1 happens when your 15 minute traffic is matching with the actual rate of flow. So 4200 by your 4 so that comes your 1050. So that times both are equal that your 15 there is no any variation in the 15 minute traffic. So whatever we are calculating 4200 by 4 it comes 1050 and your actual rate of flow is observed also 1050. Absolutely there is no variation in the peak hour within the peak hour. That time maximum value is 1. Minimum value we got 4200 it means it is your 1000 your 1 hour traffic is coming in the 15 minute. That case the minimum value comes as 0.25. So here like purely a completely a disaster or completely a breakdown of a facility. That time only this kind of value we can able to observe. It means 15 minute 1 hour traffic is coming in the 15 minutes. That is the worst condition any kind of the location we have. So that time we get a 0.25. So generally peak hour factor vary from 0.7 for rural section and 0.98 for a dense urban section. So this case also why lesser value for rural the condition in the rural section rarely happens in the rural section because of that little bit lesser value. And we need urban section we need a possibility of having congestion in the urban section. That is what we need to keep more preference for the urban sections. These are the references I have used for preparing this presentation. Thank you.


The payments to deposit $34.72 now, which should match if I go to the first tab, the deposit, if I make a deposit form, those two items should be included in here. So I could check them off if I deposit them together and deposit them at one time. Remember that I could also still use this deposit form to deposit something else, not checking those off, but rather going down below and just saying I'm going to make a deposit from a loan or something, the other side going to a loan account or something like that. But I have the option of checking these two things off and I want to use that option if I'm making deposits or making use of the sales receipts and the received payments, meaning these two forms. This would be the cash-based form if you're using a full-service system, this being the accrual-based form that will be populating into this area. Now, again, if I was depositing one of these at a time, I could just check one of them off and then deposit that one and then make another deposit form for the second one. So I could do that. I don't have to deposit them all together. But the point is, if I collected these on the same day and they were cash sales, I know these are quite large to be cash sales, then I would deposit them both. If they were credit card sales and I knew that my credit card company was going to batch them together to put them into my checking account, then again, I would group them together. If they were electronic transfers that were not going to be grouped together when they hit the bank, then I would deposit them one at a time. The goal is to deposit them in the same grouping as we'll be showing on the bank statements, on the bank statement side of things to make the bank reconciliation easy. So we're going to deposit them both together. This, of course, will increase the checking account and decrease the undeposited funds or deposits to be paid or whatever they call it now. Save it and close it. And we're going to go then to the tab to the right. Why do I have to change things all the time? People changing words, definitions, whatever. We're going to go into the cash account here. And then this is going to be the deposit for one lump sum, the 3472.50, which is what we expect to be on the bank statement. Notice that all the deposits, therefore, are now in the form of a deposit. We don't have these two forms showing up as an increase, the receipt payment and the sales receipts. If you deposit these directly into the checking account, you would have those transaction types here, and you'd have to be mindful of that if you were to filter your transactions by those that are increasing the checking account. All right, let's go back then. That's a minor detail. It's not that big of a problem or anything, but just something to note. Here's we got our payments to deposit back down to zero. Notice that in here, it checks them off one at a time, one at a time. So we can see things increase and decrease quite nicely formatted, goodly formatted.


This study investigated the expression level of defective in colon etylation one domain containing one oncogene in prostate cancer tissues compared to normal prostate tissues. It also examined the effects of this oncogene on prostate cancer cells in vitro. The results showed that the expression of the oncogene was significantly higher in prostate cancer tissues than in normal prostate tissues and it was associated with high score, metastasis and pathological stage. Furthermore, the oncogene was found to be an independent prognostic factor for disease free survival of prostate cancer patients. In vitro experiments revealed that the oncogene promoted proliferation, invasion and migration of prostate cancer cells. These findings suggest that the oncogene may play an important role in the development and progression of prostate cancer. This article was authored by Shun Tan Huan, Zeyzian Lu, Fooning Jiang and others.


QuickBooks Desktop 2023 Payroll and employee reports Let's do it! Within two weeks, QuickBooks Desktop 2023 Support a counting instruction by clicking the link below, giving you a free mug membership to all of the content on our website Broken out by category, further broken out by course Each course then organized in a logical, reasonable fashion Making it much more easy to find what you need than can be done on a YouTube page We also include added resources such as Excel practice problems, PDF files, and more Like QuickBooks backup files when applicable So once again, click the link below for a free month membership to our website and all the content on it Here we are in QuickBooks Desktop Sample Rock Castle Construction Practice File Provided by QuickBooks going through the setup process we do every time Maximizing the home page to the gray area view drop-down noting we got the hide icon bar and open windows List checked off open windows open On the left hand side reports drop-down company and financial looking at that P to L profit and the loss With the ranging and the changing from mode 101 to 4 to 12 31 to 4 january to december Customize it fonts and number it change the font it 12 it okay it yes it okay it there it is reports Drop-down again company and financial this time the big balance sheet we're going to change it this Time with the drop-down going to this fiscal year and customize so we can fonts and numbers to the font size of 12 and say okay so we could say yes and then okay again that's the setup process We've been doing every time we're now looking at some subsidiary reports or other reports other than these main two financial statement reports remembering that every other report is generally Going to be giving more detail about some line item or multiple line items on the major financial statement reports the balance sheet and the income statement that said however we're now Going into the payroll reports which are a little bit different they're going to be giving us more detail on multiple line items on the balance sheet and the income statements such as the payroll Liabilities we have down here as well as if we go to the profit and loss side of things the income and payroll taxes information down below that we can see here however payroll is a little bit different because it's not really a natural kind of just simply accounting thing it's going to be subject to taxes taxes is going to be a big component of payroll and we also have kind of like some human resources types of things with regards to our reporting needs that we need to keep in mind so let's kind of recap the payroll process in general going back to the home page noting that down below we got the employee or payroll cycle we could do the payroll all in Quickbooks in which case we would typically have to pay for the add-on feature of payroll now note there is a manual payroll that you can use but usually if you're processing the payroll you want to be paying for the payroll so that you have those extra checks that are going to help you to not make errors within payroll payroll being one of those things where you would like to follow the adage of measure twice cut once get it right the first time as opposed to kind of tinkering with it because it could be more costly to do that with regards to payroll or we could have like an external company doing the payroll something like an adp or a pay checks now the reason why payroll is going to be more complex remember that if payroll didn't have the complexity of like human resources needs and taxes then it would be kind of like paying any other vendor it would be part of the vendor process basically we could just have come up with an agreement we could pay the employee at the end of whatever our payroll our cycle is and we would just decrease the checking account and the other side we go to payroll expense and that would be it but because of taxes and human resources needs we've got all these kind of withholdings that have to be taken out for us federal income taxes that includes social security medicare and federal income taxes at the least then we also might have benefits and we might have state taxes that we have to be taking out so we have been we have been forced to in some cases and we volunteered in other cases whether they be voluntary withholdings or mandatory withholdings to take the money out of the pay before the employee even gets it and using us as kind of like the collection arm of the government and then we give that money to the government or to the benefit programs if we if we're taking money out for benefits like health insurance or something like that so we have to account for that we got to have the reports that are going to be related to that also there's kind of human resources needs in terms of how we're going to show that to the employee meaning we got us even if we take the money out we can't just give them the net check we have to show them on a period by period basis payroll period as well as a year-to-date basis how much their gross pay is what they earned what we took from them for federal income taxes like social security medicare federal income tax and other stuff and then their net pay so we've got to show that per period on a per paycheck basis and on a year-to-date basis to all employees that gets quite tedious over time we also then have to process and get the information to process the information reports which are typically quarterly and yearly those being the 941s typically quarterly the 940s yearly the w2s and the w3s on a yearly basis so we have to have extra reports to do all this kind of reporting needs again if you have payroll turned on you're going to generate that extra reporting needs within quickbooks which is a significant amount of stuff or you can try to do that externally with a third-party adp paycheck or something like that to process the payroll and then just enter in your system the financial things necessary to get your balance sheet and income statement correct okay that said let's go into our payroll reports we're going to hit the drop down you can go into the payroll reports uh this way we can go into the employee reports where are they they've right here got a whole bunch of them or we can go into the report center which is what we will do now maximize in the report center we're going to go into the employee and payroll so let's go into these I also just realized that they usually have a nice report too that you can export to excel summarize payroll and excel it doesn't work quite as well with this sample file but that gives you a nice report that looks similar to what you might get from someone that was doing payroll externally like an adp or a paycheck given you the reporting summaries on a periodic basis but in any case we'll go into the major report is usually going to be the payroll summary report let's take a look at it let's change the range up top from 010124 to 123124 and so there we have it now we've got three employees for this particular setup this particular company and even with three employees this gets quite complex to track the payroll and we don't want to try to do it usually you don't want to do it manually you would like to have some support with it even though it costs money to get the added support in some way shape or form you typically want to think out exactly what you're going to do with payroll before you implement it because again it's generally better in this case to measure twice cut once as opposed to use the tinkering adage okay so we've got the gross pay this is how you can kind of think of this is like the breakout on terms of a payroll a pay stub that you might be getting but and you can think of it in terms of employee by employee or from a company perspective we can think of it kind of as the total if we got a report front like this from someone like an adp or a paychecks then we can kind of enter it into our system thinking of all employees kind of as if they were one employee so that we can get our financial statements correct and then rely on the external providers adp and paychecks to to give the added detail needed for reporting purposes to the employees and to the government so that's one thing to think about although again you still have to reconcile so you got to think about how you're going to enter the checks in such a way that you can easily reconcile it but we've got the gross pay so this is how much they were they earned per employee and then the total and then we've got the withholdings the withholdings are going to be the federal income tax these are required withholdings for the fed side of things that we're taking from the employees wage the medic the medicare employee the social security and then california if you're in the state of california this will different by state to state withholding disability and then the total that we took out again per person employee and for the total all employees we have the voluntary withholdings meaning they have the option to participate in our group health insurance plan for example so we took out 600 600 and here for that and then this is the net check this is how much they got paid through the payroll processes that that went through after we took out the withholdings then we've got the employer stuff the federal unemployment tax which is an employer tax the medicare social security these are the taxes that we have to pay over and above not on our wages or earnings but on the expense that we have payroll expense so we got the unemployment workers compensation in the california and this is how much we took out now you can imagine we could use this information generally also to help us out to to make the forms 941 forms quarterly or this information is what will be used by quickbooks in essence to generate the 941 forms we want to be able to kind of tie all this stuff out so at the end of the year your bookkeeping process you kind of want to check all this stuff right you want to be able to tie out your your summary reports to what is reported on the balance sheet and the income statement to what is reported on the 941 quarterly forms to what is reported on the 940 year in futa form and the w2s and w3s so if we go then to the profit and loss report for example we've got the payroll items down here now the gross pay notice again like this breakout between gross pay payroll taxes futa and sutha you can group these differently like you might put payroll taxes and the gross pay into one account for example it kind of depends how you set up the payroll items you also might have multiple gross pay accounts you might have a wages account you might have an hourly pay account for example or break out the wages by location so be mindful of that but it's customary oftentimes to have the gross pay this is how much they're getting paid not including the withholdings everything without taking the withholdings out because that's what they actually earned and this would be then the payroll taxes these would be our payroll taxes the amount social security medicare futa and that we paid that that not including the amount paid by the employee because the amount paid by the employee even though we ultimately paid it we took their money in order to pay it right we withheld their money and then paid it so this is just our portion so this one one zero four hundred if i go to the summary you would think then would be this one one zero four hundred ten and then the employer taxes are going to be the the twenty thousand four oh four eighteen so if i go back to the reports so if we add these up then we can say okay there's the eight four four five point six one plus two six eight plus one two three three point five that's going to give us nine nine four seven comparing that to what we have on the summary which is the twenty thousand's the total minus the twenty four oh four point one eight the difference is this ten thousand that's the workers comp which i believe they put in another account here they put into a workers comp right there i don't know why exactly it's not the ten thousand possibly they posted something else to that as well but that's the general idea we can kind of take and tie out the summary report which would be used to create the quarterly reports the year-end reports and the w two's and the w threes and we'd like to be able to tie that out then of course to what we reported as well on the financial statements the profit and loss and the income statement back to the payroll summary we can also imagine for these three employees that the gross pay amount here would generally be reported on their w twos and the w three form is kind of like a summary reform that breaks down or imagines as though all the employees were kind of like one employee so you would imagine it would have the wages on it of the one ten four hundred ten which we could tie up to this report and to what was on the income statement and then the w twos and the w three will have the related withholdings so that it will be reported these withholdings being what we took out of their paycheck on their behalf and paid to the government so this the federal income tax withholdings that they're going to need of course to be reported as well as the medicare and social security that would be reported say on the w twos as well when we think about the quarterly reporting the quarterly reporting reports that's the nine forty one form it reports federal income tax social security and medicare so it'll typically be using the total wages on a quarterly basis and then it it will give information reporting on the federal income taxes and the social security and medicare both the employee and the employee or side the form nine forty is the federal unemployment tax which will typically use some kind of the total wages although there could be caps on it and then we'll have the federal unemployment tax calculation and then of course we got the w twos and the w threes at the end of the year if i go back to the balance sheet note that these accounts on the balance sheet represent the withholdings that we had at the last pay period that we have not yet paid out yet so note when you talk about the payroll periods that happen on a weekly basis biweekly monthly semi monthly then they're not always going to end at you know right at twelve thirty one so you've got some kind of discrepancies in terms of an accrual basis and when the payroll happens and you also then could think about these items as the last the the things that we withheld that we have not yet paid at this point in time this is the last payroll that that happened in before the twelve thirty one twenty four where we made this withholdings and so on for the federal income tax the state income tax and yet we have not yet paid them so you could you know tie out these to basically that last payroll that was was uh was processed to kind of get a better idea of of where the payroll liability is you know at the end of this time frame okay so that's the general idea if i go back to then the report center just realized that some of the detail of this report as you can see is there to support information on the balance sheet and the income statement but also there to give the added reported necessary for like the human resources needs as we report on behalf of the employees on their paychecks as well as to the government so then we got the payroll items detail report if i open that up and say oh one oh one two four to twelve thirty one two four the payroll items are going to be the items we set up within payroll so this is the salary so we might pay people salary but they might have overtime which would be another payroll kind of class that we would put the regular pay so this is not as common a report but if you had an issue between these categories and of course this report could be a useful report to dig into the detail on closing this back out we've got the payroll uh detail review let's open it up and change the dates from oh one oh one two four to twelve thirty one two four uh to twelve thirty one twelve thirty one two four so now you've got by employee so the payroll detail review you've got the salary for our first employee here and then the the advanced earn income credit and the federal withholdings so they're breaking out all the detail for that employee the social security the federal withholdings possibly not the report that would be your first report to open for a summary but if you need to break out the detail by item then obviously a useful report here we'll go down to the california's health insurance the workers comp and then to the second employee so now we're in the second employee you've got their overtime rate the regular pay the sick hourly the vacation all the detail the federal withholding so the medicare so if you had a specific area where you think there's an issue there's something off something's not tying out between the w2 and the and the reports or something then you might be digging down into the detail for that particular employee and this could be a report that would be useful for that you got the payroll transaction by pay e let's open that up changing it from oh one oh one two four to twelve thirty one two four so these are the people we're painting employee development department uh great statewide bank insurance company state fund and then we paid obviously the employee elizabeth greg so the the vendors being who were basically paying out so transaction by uh the pay e who were paying to in other words so detailed report there and we got payroll transaction detail let's open that one up and let's change the date from oh one oh one two four to twelve thirty one two four so now you got the paycheck information so it's giving you the detail for the particular paycheck so this could be useful again if we have a particular issue in one area something's off and we want to drill it down on a paycheck by paycheck transaction so now we can drill down in here and get each of the individual paycheck so we can use that format and then payroll liability balances this would give us the liabilities that are still outstanding uh that still need to be paid generally the withholdings that we had for example on the balance sheet that have not yet been paid payroll item list this will give us not an uh a financial reporting thing but a list of these items that we're using in order to generate the payroll the items being those things kind of like inventory items that we have to set up in order for the payroll to process properly we got the employee earnings summary so let's just take a look at that one employee's earnings summary from oh one oh one oh one oh one two four to twelve thirty one two four so it's going to give us a similar report as the as that first report the summary report but now it gives it in a horizontal fashion salary overtime regular pay this is like a registered format so you might be more used to seeing it in this format maybe than the first one although if you see a paycheck stub it would be in that first format but and then so this is the regular pay and then you've got the federal withholding the medicare the social security the federal unemployment the medicare social security california withholdings and so on and the disability california unemployment california and so on workers comp and the total okay another format to see similar information in a register type of format employee pay adjustments if there are have been adjustments state entitlement report and then you've got some more lists related to employees not really financial reports but informational reports contact information for the employees employee withholding information paid time off lists workers compensation which would be kind of more specific because workers compensation is specific to the particular industry and company typically so you got the reports related to it so a whole lot of whole lot of stuff within the payroll reports clearly


Okay, hi. Hi everyone. My name is Molly and I am a co-director of Central Vermont Playback Theater with Lucy and this is we're the Central Vermont Playback Theater troupe and we're going to do a little show here that's a mixture of participation from all of you. We're going to be asking for feeling words, stories, based around this creating the culture of consent theme that we've been working today. So I'm going to let the art speak for itself. We're going to show you some Playback Theater and then we'll invite some stories from you. Okay, thank you so much for coming. I've been working on in my life around consent is speaking up when something is off. My body tells me there's something off and it takes a little bit for me to actually go from that gut to mouth. My name is Molly. Sheed her pronouns. Right now I'm trying to figure out what a deep true real yes feels like. My name is Leslie. I use she her pronouns. Yes! I'm working on asking for what I want, what I need and sometimes I don't sometimes I just don't and I get the story that I'm telling myself instead of what's actually available to me. Abby or AJ and I use she and they pronouns. Something that I'm working on about consent is about naming and sharing what it is that I really really want and asking for it and knowing that it is delightful for what I have. My name is Lisa and I use she and yeah. This past year I wrote a letter to a friend whose consent I had breached a few years back and I'd never done anything like that before and I learned a lot from the process of trying to prepare consent by going back over what had happened and reimagining how it could have gone differently. My name is Lucy. I use she and they pronouns. How could it be different? So this is the rhythm of it. Well, first stories we'll ask for a word and then we'll show you through sound, movement, phrases and I am the conductor for the show so I'll be talking to you and pulling the story out of you and then giving it to these amazing actors to shape. So let's just start off with a playback is all about feelings and integrating the feelings that we feel about the stories and narratives in our lives. So I'm wondering how many people are feeling feelings around consent being here at this event. Yeah, great. Got feelings going on. Just popcorn, shout them out a little bit. What kind of feelings are you feeling right now here at this event? Anxiety, apprehension, resentment, resentment. That's a that's a juicy one. Would you mind talking a little bit more about resentment? Where's that resentment coming from? I'm one of two people of color I see here and my body is always under constant policing by the dominator culture. So I'm withdrawing my consent today for people to do that. This is Opeyemi's story of resentment. Let's watch. I withdraw my consent. I withdraw.  I withdraw my consent. You better know who you are before you ask who I am. You better know who you are before you ask who I am. Not today. Not today. I withdraw my consent. Who are you today? I'm here. I'm safe today. I'm here. Thank you, actors. I saw my story. Hey, thank you. See, thank you. Oh, verify. I don't testify. Oh, verify. Thank you. Thank you very much. Thank you. I hate it. It's a while to get my drink. Yeah, okay. Other feelings. I heard apprehension. I heard anxiety. What else? What else are you feeling? Hope. Hope. Yeah. Yeah. Do you want to talk more about that? Yeah. I got to have an amazing conversation with a young human in the Vermont network. And there's always just such brilliance in the young people. Yes, brilliance in the young. That's beautiful. Right there, right? Right here with you. That's beautiful. Okay. What is your name, please? Ornella. And would you like to see your story? Sure. All right. This is Ornella's story. Hope. Let's watch. I trust the world in your hands. I trust the world in your hands. Hope you give me. Makes me feel a little bit. I trust the world. I'm listening. I can stretch. I'm listening. Oh my gosh, the young people. Violation. Sounds like it's bringing up some old story or an old experience. Okay, so a fear that you're consent. Thank you. What's your name? Alisa. Alisa. Thank you for sharing. We're going to see Alisa's story of that fear. A fear that consent might be violated again. Let's watch. No. Am I safe? No. Is it okay? No. Not again. Do you want to move to this space in the shade? Right. So this is just one form. This is a fluid sculpture form in playback theater and we have a couple of different ones. So now we can shift and take some longer stories where we can have a conversation, get some more details about your story, and see it in a different form of playback. Maybe. Fluids also are a great form to use. But I'm wondering if today, you know, we've heard a little bit, being here at this event is bringing up some feelings about things that have happened in the past, hope for the future, talking to young people, and I'm wondering if you're sitting there and hearing other people's stories is maybe bringing up a story, a story that you connect with or that relates to an experience that you've had. I won't call on you as anybody feeling that little like, I might have something to share. Okay. Little hand. Little shrug. And from those little hands, little shrugs, anything you want to explore with us? That story, a title. What would you call it? Thank you, Martha. We'll take that. All right, so we'll see it in a pair. And this is Martha's story. I'm never having sex with men again. Let's watch. It should know it because I know it. My body doesn't know it yet. I really wish it knew it. Come on, body. Come on, body. Know it. Friends, I need help. Community. Can you hold me now? I need to talk about this. There's something I need to say, so I wasn't held. I should have known better. I practiced this. I practiced this. I've done work. It's about this. Support now. Through support now. But in the moment, in the moment, I can feel the ground. I can feel my friends. I can feel my body now. I know what I want. I'm never doing this again. I'm doing it. I'm frozen. It's so held. By my people. I'm the best we can. This together. Tiffany's anger. I said no. And I sure as hell did not say yes. I said no. I sure as hell did not say yes. You crossed up. I said no. You crossed I'm head to gut. Let's watch. Garden here in North Carolina. Got all my herb friends. And the conversations I'm having for talking about consent. That was a good conversation I had with that person. Just consent. I'm going to plant my garden and be my friends. My friends. But I feel just something's a little flat. Tell me what you know about boundaries. Tell me what you know about your limits. Tell me what you know. This feeling and it's rising from my organs. Sloshing around and it's moving up and it's all of these teachers and it's all of these young people and it's everyone here today and it's everyone not here today and it's this community and it's my place in it and it's everything I've learned and it's it's it's it's just so big. So thank you so much for coming to this event here today. We're looking forward to the March. It's going to be starting a little bit and we want to leave you with one final tableau one final ritual that we like to do. It's something called once there was let's watch. Once there was a lot of hope from the young people inspiring us. Once there was a name that was said just right. Opeyemi. There was fierce. Once there was a community that validated and said that was wrong. But many friends to hold in it that was wrong. Opeyemi. Have hope and give me hope. That is not your fault. Please say it right. Thank you for that hope. You didn't do anything wrong. Opeyemi. I feel it in my heart.


Hyperspectral imagery has become increasingly popular for its ability to provide detailed spectral information about objects in the environment. This makes it ideal for applications such as military surveillance, mineral exploration and environmental monitoring. However, the large amount of data and spectral variations can make it difficult to detect targets in these images. Several different approaches have been developed to address this challenge, including hypothesis testing, spectral angle, signal decomposition, CM, kernel, sparse representation and deep learning. Each approach has its own strengths and weaknesses, but all share the goal of identifying targets in hyperspectral images. This article was authored by Bowen Chen, Li Qinlu, Zhengxiazou and others.