how to find profitable niches 1. Industrial age She added that those who plan to pay out of five-year notes would be better off waiting for the New Year. Emotional checking account is divided into two: The emotional deposits along with the withdrawals. Emotional deposits means comprehending the person, being kind and forgiving, and being true to your word. Emotional withdrawal conversely could be the complete opposite of everything I pointed out; being disrespectful, rude and hold grudges, without commitment in any way.