Realistic game here. I know I was supposed to stream, but my throat has been hurting since yesterday. I don't know. I woke up with a sore throat or whatever. And I decided just to do a reaction since it will be easier on me.  So yeah, today we are on a Panchito Matrix channel and we're going to be reacting to his SpongeBob versus Chuckie. And guys, remember to smash like, PEDX, your oof-in delivery. Wow. Damn, bro, that's a lot of luck. Are you Mr. SquarePants? Yes, I am. What is he doing? You got a package. Thank you. Why is he in the towel? Oh, Sandy seems like SpongeBob and Sandy got married. We didn't have seen that coming. Yes, honey. We got a package. Open it. Open it, SpongeBob. Oh, I know what it is. I knew it. It's a good guy, doll. It's a doll. Obviously, Sandy. It's kind of weird. You're kidding. It's great. He doesn't look a little weird. Dude, that thing is as tall as SpongeBob. Hurry up, Sandy. We got to go. Buy the groceries for tomorrow. I'm coming. All right, so that is totally not creepy. She just left them there in the open. Yo, man, it's just so evil. Three hours later. I hope you didn't kill Gary. Bob? Okay, so the door just opened by itself, magically. Bob, here's your net. Bob, don't go back there. Don't do it. Dude. Dude, he just dropped an arm and stabbed him. What the heck was that? Well, that is a good guy, doll, for you.  Freakin' nature. It should be here. Dude, why would you go looking for it? Oh. Dude, he just sliced it. Oh, my God. This feels like I'm actually watching a good guy like a Chuckie movie. This punk was a piece of cake. Dude, it looks so demonic. Shoot. Okay, they're back home. All ready for tomorrow's picnic. He just went back. The next day. Oh, man, this is going to be cray-cray. What? Why does he always have muscle arms? Why is he dressed like a gangster, man? Okay, folks, we gather here to celebrate our friendship. Hey, this is like Vin Diesel. Remember, we're family and family's the most important thing in the whole freaking world. It's like the Fast and the Furious scene. That is hilarious. I got that reference. Oh, dude, that is disgusting, bro. Cover up. Oh. Wait, what? Is he going to reverse it? It's sucking him. Dude, what's that? Dude, what's that? What was that? Oh, man. That guy needs a new butt. Look what I found. He is beautiful. He is the perfect opportunity to leave this body once and for all. Dude. It seems like he wants to possess Squidward's body now. Squidward, you might want to wake up. He's doing the ritual to the swap bodies. He woke up. Why is he both screaming? Hey, what is happening here? What is SpongeBob even doing at his house? Bob, that thing is alive. He probably already got in his body. Son of a beach. It was literally spelled like beach, like beach. Bob, be careful. That doll is possessed.  Oh, God. Doll. Oh, you just kicked him. Oh, it looked like you were right. He was possessed. I'm always right. I don't know, Squidward. Don't worry. I just killed him. Yeah, I don't think that kick did anything SpongeBob. He's gone. Let's get out of here. Oh, this is not good. He is roaming about.  Oh. He just hit him in the head. Come on, 2v1. Oh, that's painful. You got us, SpongeBob. Grab the knife, dude. He broke his eyes. Wait, what? Oh. That's got to hurt. Wait, he's a doll. I don't know if he would actually have any sensation. Dude, Patrick is sleepwalking with the lawnmower? What? Looks like Patrick is sleepwalking with the mower again. Dude, they didn't even have grass. It's sand. Why does he have a lawnmower? I don't know. That was pretty cool. I like this whole SpongeBob vs. Chucky. We're actually watching the Good Guy Doll movie or something. Alright, you guys. Well, that was SpongeBob vs. Chucky. If you guys want to part 2, let me know down below in the comments. And I will see you on the next one.


I am feeling this one guys. I'm feeling the love on this one. I think this is gonna be so frickin dope. Oh boy, I'm nervous about this. Oh gosh, I don't want that. Oh snap. Oh snap. Oh put some stars up in there. Okay, okay, let's try this. Let's see.


The fire department's respond to garage fire. Two seriously injured and shaboying accident. Earth Day turns 50. These and other local stories are coming up on this edition of Community News Review. This is Community News Review. Service WSDS-TV News content provided by WHBL. I'm Maddie Fister and this is Community News Review for Wednesday, April 22nd, 2020. One more person, someone between the ages of 60 and 79, tested positive for COVID-19 since yesterday. Raising the shaboying county total, confirmed cases to 45. The state added another 121 cases for the tally of 4,620 Wisconsin cases of the coronavirus. 12 cases here are still active and three of those are now hospitalized while 31 have recovered. Another 19 test returns were recorded with that number now at 689. A look at data outlining the total number of tests administered over the last 10 days shows no clear regular trends in the rate at which people are referred for testing. Most days we are in the 15 to 20 ballpark range between April 10th and 20th. The extremes were on consecutive days. One additional person was tested between April 15th to 16th, but 23 were tested overall the next 24 hours. Overall nearly 94% of those referred for testing have been negative for the coronavirus. The data was derived from the daily reports issued by Shaboying County Public Health. The Badger Bounce Back Program to reopen Wisconsin had brought attention in yesterday's update. A graphic outlining the program and supplied by the governor and the Wisconsin Department of Health Services was included in that daily update. Crews from eight departments responded to a garage fire that broke out in the town of Wilson early Wednesday morning. The Shaboying County Sheriff's Department says that they got a 911 call shortly before 2 a.m. and when deputies responded to the property on Highway 28, one detached garage was on fire and it spread to a second garage. Fire crews were able to knock down the fires before they spread to the home nearby. Although the siding of the home did melt, the garages were both completely destroyed. There is no word on a cause. Even as many await the arrival for more spring-like temperatures, another spring condition has arrived right on schedule and it is not a good one. Wildfires in Wisconsin are most likely now through May according to the National Weather Service. Gusty winds, low relative humidity and dry grasses have all combined to raise the risk of a fire and in response, Governor Evers on Tuesday declared a statewide state of emergency. Evers executive order provides whatever assesses are needed and makes the Wisconsin National Guard available to provide added personnel and resources to help in prevention, emergency response and recovery operations. Over 150 wildfires have occurred so far this year and the largest one consuming 234 acres of Juneau County just last Saturday. With sports shuttered for the rest of this academic year, the Wisconsin Inter Scholastic Athletic Association has canceled the spring high school sports season. The vote considered a formality was 10 to one and the WIAA says 30 days of summer contact will be allowed for spring coaches if they include seniors. Acclamation, acclimatization rules must still be followed and contact must follow the governor's orders. Coaches for spring sports can also continue virtual coaching until the end of the respective state tournament. The WIAA's medical consultant advised that Wisconsin would need to be in stage three of Governor Evers Badger Bounce Back Plan for this fall sports season to start on time. Stages one and two of Evers Plan require social distancing that would make practices and games impractical. Two people were seriously injured in a crash in Sheboygan's late Saturday night. Police were called to an intersection of 10th and Erie around 11 p.m. An SUV was westbound on Erie Avenue and while the vehicle was stopped at the light, a car driven by a team from Kohler hit the SUV. Both the driver of the SUV and the team who was driving the car were treated and then hospitalized with serious injuries. The cause of the crash is being investigated by police department's crash reconstruction unit. And finally, Earth Day turns 50 years old today while celebrating the outdoors might seem hard to do. While we are still isolating ourselves indoors, the UW Green Bay has lots of virtual ways to appreciate the natural world. Wisconsin Senator Gaylord Nelson first proposed the idea to hold a nationwide environmental teach-in on April 22nd, 1970. That first event was renamed Earth Day and Nelson was eventually awarded the Presidential Medal of Freedom for his work. 50 years later, Earth Day has evolved from a U.S. centered observance to a global event observed in 141 nations. UW Green Bay, which includes Sheboygan's campus, has organized many events that are available online, including virtual nature walks and online presentations by professors in Earth-related fields. And that is our report for today. Join me again on Friday for more local news and information on Community News Review. News content for this program provided by WHVL in cooperation with WSCS-TV.


Hello and welcome to NewsClick. I'm Poranjoy Gohar Thakurtha and today we're going to discuss why the Central Information Commission sent a show cause notice to the country's central bank and apex monetary authority, that is the Reserve Bank of India, seeking information about the names of willful defaulters. With me here in the studio of NewsClick, I have a person who's actually in the eye of the storm. He's the person who issued this show cause notice. And I'm very happy to welcome Dr. Madabhushi Sridhar. Acharya Dr. Sridhar is one of the six information commissioners in the CIC. It's headed by the Chief Information Commissioner. And as the Information Commissioner, you are an independent adjudicating authority on what are described as second appeals that have been filed under the Right to Information Act of 2005. Thank you very much Dr. Sridhar for coming here. What made you issue this show cause notice and how do you react to those who are saying that the Central Information Commission, the CIC, has overstepped its limits in issuing this show cause notice to the Governor of the Reserve Bank of India, Dr. Urjit Patil. Section 20 of Right to Information Act gives Central Information Commission, State Information Commission and authority to issue a show cause notice before coming to conclusion that somebody is liable for non-disclosure of information. It is well defined section and that is the only power Central Information Commission has, Information Commission has such has. Then when this section will be invoked is the question. There are three levels of authorities under Right to Information Act. And you must explain what you mean by second appeals. First it will be PIO, primary level. That's a public information officer. Primary level it is public information officer with the public authority. He will be the designated officer and representative of entire public authority. The application will be filed before him. If he rejects first appeal lies to a senior officer of the same public authority who is also a designated officer. So in other words, if somebody is seeking information from the Reserve Bank of India sure he first has to go to the public information officer and if that is rejected then it goes to another officer above the public information office within the Reserve Bank of India. Correct. And then if he also rejects the applicant will file a second appeal before the independent commission that is Information Commission. That's when it comes to people like. Yes, it comes to me. Then when I'm hearing a case, a case means second appeal, if I find that information sought is available with another public authority. I have an authority and duty to call that other public authority also to explain why you are not given the information. This is the first level. So I asked the information request was from two departments. One Labor Department, Labor Ministry, second RBI in the same RTI application. The Labor Ministry asked they gave the information. Then I asked RBI they came back with a huge list of defenses saying that we can't disclose this information under this law, under that law, under this law. One minute. From what I understand the Reserve Bank of India has raised several technical and legal objections. That is the next step. I'll come to that. So what I'm saying is when an RTI application seeks, applicant seeks information from two different public authorities. The commissioner has an authority to issue notices to both of them. I issued to both of them. Then the second part of RTI application deals with Reserve Bank of India related information. He was asking to be precise who are the defaulters above 50 crore rupees loans. Defaulters include defaulters, willful defaulters and fraudulent defaulters also. It's a class of expression. It includes all the defaulters. The issue we are discussing is about willful defaulters because it's an aggravated form of breach of contract. You define a willful defaulter as a corporate entity or a group of persons who could have repaid the loan but are deliberately not doing so. They had the financial way with all to repay the loan but did not. That is classified as a willful default. That is the meaning. There is no strict definition for that. Let me come to the objections that are supposedly been raised by the Reserve Bank of India. First objection I have not answered yet. You said I have no authority or somebody said that I have outstepped my authority. I have to answer it. First is information commission as an authority to issue Shoka's notice. Number one. The person who is supposed to receive Shoka's notice is PIO primarily. Public information officer primarily. But as I have already told you, PIO is one of the several officers of any public authority who doesn't have complete authority to decide what information has to be disclosed and what should not be. Then he depends on his colleagues, his seniors, his superiors and even sometimes top of the authority because they will hold the information. So here what happened? The information which is supposed to have been given was ordered to be given by CIC earlier. That was challenged and confirmed by the Supreme Court saying that CIC is correct and you have to give that information. And thereafter RBI came up with a policy statement on its official website saying that such information we will not give. Now you tell me whether an ordinary employee, a visited officer at a lower rung, is he responsible for non-disclosure or the person who framed the policy responsible for non-disclosure? So it is the top authority who is responsible for non-disclosure who made it a policy and announced it. So I issued Shoka's notice and law provides for deemed PIO to be issued with Shoka's notice. Here I considered Reserve Bank of India's Chairman, Governor as deemed PIO because he is having the information, he is not giving the information, he is not allowing PIO to give the information and under section 20 whoever obstructs the flow of information can be issued with Shoka's notice and that's why I answered your first question. Okay one minute. I'll just continue along this side. I'm going to come back to the Reserve Bank of India's objections but before that in the media there's a news report wherein a former additional Solicitor General of India, Mr. Bishwajit Bhattacharya, he has said that this order is flawed ab initio. That means that the very initial stage and according to him it defies all laws because the CIC, the Central Information Commission, cannot treat the Governor of the Reserve Bank of India as a deemed public information officer. You as an information commissioner, you may be holding a rank on par with that of a judge of the Supreme Court of India but according to Mr. Bhattacharya, you cannot treat the Reserve Bank of India Governor as a deemed public information officer. There is no provision in the Right to Information Act to stop me from issuing Shoka's notice to any authority. Number one. Number two, there are provisions in the Right to Information Act under which I can consider any other officer as deemed PIO. In some cases I issued notices to minister, in some cases I issued notices to other public authority, in some cases I issued notices to vice chancellor. Though there is a First Applied Authority and another person because the file was with the top officer. In one commission, in one national commission, the information was for inspection of a file and that file was reportedly held by the chairman of the commission. Then I have to issue notice to chairman of the commission to facilitate so that authorities totally available at the Right to Information Act. That's over. I have completely given the answer. All right. Now the Reserve Bank of India argues that there are several technical and legal objections. Two disclosing this list of defaulters including willful defaulters. Why? And fraudulent defaulters. These pertain to issues relating to client confidentiality and that information whether it could possibly jeopardize the investigations that are going on and also it could according to the Reserve Bank of India perhaps hurt the economic interests of the country and they have cited a series of laws and provisions. These include the Reserve Bank of India Act of 1934, the Banking Regulation Act of 1949, the Credit Information Companies Regulation Act of 2005, the State Bank of India Act of 1955, the Banking Companies Acquisition and Transfer of Undertakings Act of 1970 and 1980 and so on and so forth. All of these according to the Reserve Bank of India means that they cannot give the information or will not give the information as you yourself have pointed out. On the website they have a non-disclosure policy. The same objections were raised by the Reserve Bank of India before earlier Central Information Commissioner in 2014 or so, 13 and 14. All of them were considered and rejected. They raised the same objections before the Supreme Court which was hearing repetitions filed by Reserve Bank of India. None other than Anthea Rujina, the famous advocate was presenting these arguments. Same which you have read out now. They also added one more thing. The information given to us is fiduciary in relation, information given in fiduciary relationship need not be disclosed. That another ground also was added by them. All of those grounds went to Supreme Court and Supreme Court thoroughly examined each and every one and then they rejected it saying that you have to give this information. One more point they have raised. That is, all these legislations which you have referred are over-readen by Right to Information Act. No, this is the issue. Does the RTI Act of 2005 override all these statutes or vice versa? RTI Act 2005 has over-readen all other enactments. Not my interpretation. It is the law. No, let me complete. Section 22 says it. And this was accepted by the Supreme Court. This point is accepted thoroughly, specifically by the Supreme Court. I want to make two observations. In the Reserve Bank of India versus Janthilal N. Mistry case which was heard by the Supreme Court of India and there was a judgment in December 2015, you are right. The RBI was asked to disclose the list of willful defaulters after various appeals filed by the RBI was rejected. Similar matter was heard by a larger bench in November 2016 and the then Chief Justice of India, Justice T. S. Thakur. Not heard. It is continuing. Continuing? It is now also pending. All right. He made the following observation in an open court. He said the disclosure of names will not lead us anywhere. This is what the former Chief Justice, Justice T. S. Thakur, is claiming. And he said the root of the problem, according to him, is why are the non-performing assets accumulating? Why are they being allowed to do so? And importantly, the Reserve Bank of India is supposed to have submitted a list of names of these defaulters in a sealed cover to the Reserve Bank, to the Supreme Court of India. Yeah. Then what is the point? What is the question? The question is, if they have given it to the Supreme Court of India, why are you still asking for it? Why is the CRC... Where is the order? Okay. Whether there is any final order by the Supreme Court? Okay. Number one. Number two. Is there a final order of Supreme Court on this subject matter where demand is for information about willful defaulters? The answer is yes. In Jayanthilal N. Mistry case, there are not... There is not one single order. There are dozen orders. One of the orders talks specifically about disclose the list of willful defaulters and put it on your website. That is the order. Explain the action taken against them. That is the order. You have an order on one hand. You have a pending case on the other. Let me complete. Okay. Subjudice is no defense under Right to Information Act. If a matter is pending in Supreme Court or High Court, we will not stop a commission from deciding the case. Unless there is a specific order prohibiting disclosure of information by the Supreme Court or High Court, I am not stopped by any other order. On the other hand, I have a full-fledged, completely heard, finally heard judgment, adjudicated order of a division bench of Supreme Court, which is law according to Article 141 of Indian Constitution. The decision of Supreme Court after complete hearing will constitute declaration of a law. So my order, I mean, order of the CIC earlier supported by Supreme Court in this order forms a precedent. And I have a bound and duty to follow it. If I don't follow it, I'll be committing a mistake. The question is, then why if RBI, the Reserve Bank of India, doesn't come within your purview? Show me a legal provision which stops me from entertaining a notice to another public authority, which is not giving information. Show me one order. Show me one section. That is the answer. Then second, I'll address your question. I'll address your question. Now I'll address your question. It is a counter question for which there is no answer. Second point is your question. Now, we allocate subjects. We allocate subjects for our administrative convenience so that you hear a branch of information request and I'll hear another branch. It doesn't bar me from having a jurisdiction over your branch. Suppose I'm hearing one case and I found a part of this RTI application can be answered by a particular public authority and that public authority has to answer. I'll not transfer my case to another commissioner who is holding the charge of that subject. I'll not. I'll pass an order and they'll give information. It happens every day by every commissioner. Sixth allocation of subjects will be followed when the primary RTI request is with reference to particular subject and particular information commissioner. Now, you understand one more point. This case I did not solicit. It came to me. If this subject is not supposed to be dealt by me, why it was given to me? All right. You've answered the question. Another thing. When the subject contains certain questions, do you think that I have to tear the RTI application appeal into two parts and two commissions will be hearing on the same subject between the same parties? Is it correct? All right. I think you made your point quite well. Then these are the technical issues, administrative issues which do not stop disclosure of information which is not hit by Section 8 or Section 9. Okay. You made your position very clear. Let me, as a layperson, try and understand and comment on why I think that your 2nd of November show-cause notice to Dr. Ujit Patel, governor of the Reserve Bank of India has raised such a hue and cry. And as the old saying goes, the proverbial hornet's nest has been stoked. Why? That's because this list of defaultors possibly includes some very, very rich and I should say powerful individuals and the government or the Reserve Bank of India is wary of disclosing their names. Do you think that is the reason why there's been so much reticence on the part? To read between these lines, it is up to you to have an opinion about it. It is up to you to interpret the way you want. But there is a significant change in your process of interview now. So far, we have discussed questions of law. You have traveled into question of law, question of facts. Now, I'll discuss a little about facts that are involved in this case. Okay. First, they say this information is a very, very significant information. If I disclose, economic interests of the nation will be affected. Sensitive information. Sensitive information. Economic interests of the nation will be affected. Sensitive information is no defense under Right to Information Act. If the disclosure affects economic interests, it is prohibited. Now, let us examine whether the information sought by the applicant, if disclosed, affects national interest, national economic interest. Okay. Now, what is it they have asked? How many people have defaulted payment of loans? It's the question, simple question. What action you are taking? Now, your willful defaulter, defaulter fraudulent is a subclassification. Substance of the RTA application is this. Which are these companies? Who are these individuals? Yeah, names, names and details. Now, which information is affecting the national economic interest? I take loan. I am not asking this information. You have 100 or 1,000,000 people who have taken loans from different banks. List is available. I am not asking for that list. Even if that list is disclosed, it doesn't affect the economy because that is the economy. How does the economy grow? You give loan, charge interest, take money, make profit, give loan to another person. This is the process, the regular routine process of banking. So, your routine process of banking, the information about it will affect the national economy. I can't buy this argument. Number one, number two. When somebody defaulted in paying back loans, he committed breach of contract. If it is fraudulent, it is a crime. If it is huge amount, you are affecting the economy. And you are allowing the persons to go beyond the country. You are allowing or they are going or you are not doing anything? Mr. Vijay Malia is a... I am not naming anyone. I am naming them. It is up to you. You are free. I am on the system. Mr. Neerav Modi is there. Superanjay. I am on the systems. I am not on the individuals. The system is, if somebody is defaulted, you have to collect it. It is your duty, bound in duty. And how do you collect? You will issue a notice through your law department. If it doesn't pay, you will take him to court of law. Which court of law? There it is not a secret... Or it could go into the national company law. Secret delivery in the system. It is an open court. Sir, you can also go to the national company law tribunal. Under the insolvency and bankruptcy code. Say some repetition. Say some appellate tribunal. Say some that petition, this petition. When you have committed a crime, you have to face police stations, investigating agencies, adjudication agencies and perhaps jails also. If I can sort of interpret what you are saying, you could argue, the contrary to what has been claimed, that it is in fact in the economic interests of the country that these companies, these firms and these individuals who have promoted these firms that their names should be disclosed, that they should be named and they should be shamed because they have taken money that belongs to the people of this country and not repeating willfully. One part I will talk about. Naming and shaming is not my concern. When you are committing a crime, or when you are committing a legal wrong, breach of contract is a legal wrong. Committing a crime is a fraudulent activity. When these two things happen, it will come into open in public domain. There is no confidentiality, there is no privacy, there is no secrecy.  There is no practice in the reserve bank and other banks. If a MSME, micro as small and medium, MSME person doesn't pay, they will advertise with the photographs of the defaulters. Photographs? In newspapers. Advertisement, that means you pay money to the newspaper and colorful photographs of colorful defaulters and you try to collect and if it is a big industrialist, even if he is a defaulter, even if he is a willful defaulter, even if he is a fraudulent defaulter, you protect them. What kind of a justice it is? May I suggest why they are being protected? What kind of a system it is? May I suggest why such individuals are being protected? I will not ask that question. I will not hear that. I will not hear that because the matter is my order. I fully appreciate it. The subject matter of your interview is my order and I have to talk only about my order. Fine. And I will also not talk about what will happen in the future to my order because I am not supposed to. All right. There are objections, there are objections rather that I should not have talked about my order. Now, look at this. Thousands of crores of rupees, lakhs of crores of rupees is being written off and I gave all those aspects to establish public interest aspect and then 7000 loan defaulters fled the country. They are not dying in their fields like farmers. They are happily finding a wonderful residence, luxurious residences beyond the country.  They are going away from the country. They are in London, they are in St. Kitts, they are in Barbados. Again, I am telling you, I don't name. I am on the systems. All right. Now, these are the facts. Is it a fiduciary information? Next question is that. First, I prove that it is not information of national importance, national importance information tohae but it will not affect the economy of this country. In fact, disclosure will improve the economy of the country. All right. Number one. Number two, information given in fiduciary capacity. The reason is this. When I make an application, I'll explain my properties for loan. I'll explain my properties. I'll give names of my spouse and my children, earning members of my family and all other things which others need not seek that information. That is fiduciary information. I agree. But when I defaulted my loan, I did not pay back my loan. The information is not given by me. Information is generated by Reserve Bank of India that you are another bank of India. You have defaulted. Amounted to so many hundreds of crores of rupees. Added interest, you have to pay this much. This is information generated by the banks. So, it is not information given by others. You can't hold it on that ground. And these enactments, I have not answered your question fully. Enactments which are quoted are not repealed. The contention of the RBI is these enactments are not repealed. So, I am bound by it. The answer is they are not repealed but they are overridden to the extent of contradiction. This is the contradiction wherein RBI overrides. So, you cannot use same old excuses which are rejected by the Supreme Court is my point. And another point of view is Sheresh Gandhi's petitions were rejected by the Information Commission. One judgment of Information Commission will not bind the judgment of another commissioner. That is also law. It will bind only the parties. So, my order binds my parties. I am not guided by another judgment of my colleagues. Legally speaking, I respect them. They are good friends. That is a different thing. But when Supreme Court order is there, I am bound by it. When Delhi High Court order is there, I am bound by it. The orders of the Supreme Court early as CIC decisions and the Right to Information Act, Section 22, authorizes me to do what I have done. Thank you, sir. So, I am totally on my leader's turf. Thank you. Thank you for explaining your position. Thank you once again, Dr. Sridhar Acharya. Namaskar. For giving us your time. Thank you. You've just heard what Information Commissioner Dr. Madhav Bhushi Sridhar Acharya Liu has to say about why he issued a show cause notice to the governor of the Reserve Bank of India asking him to disclose the names of defaulters including willful defaulters who have not paid loans that have been borrowed from banks. Thank you for being with us and keep watching NewsClick.


We're in chapter 4 here in the Gospel of John. We're going to actually be looking at the story of the woman at the well. And this is a story that lasts longer than the amount of verses that we'll be looking at tonight. So what we're doing is I'm simply calling this the woman of Samaria, part 1. And then the next time we get together, we'll continue and conclude our look at this particular woman who comes to the Lord Jesus Christ and has an encounter with him in a well in Samaria. So we'll begin reading here in John's Gospel chapter 4. We'll begin reading at verse 1. We'll read to verse 3. I'll give you some introductory comments. We'll move into our study. John chapter 4, beginning at verse 1, reading to verse 3. John writes, therefore, when the Lord knew that the Pharisees had heard that Jesus made and baptized more disciples than John, though Jesus himself did not baptize but as disciples, he left Judea and departed again to Galilee. You know, when you think of the Lord Jesus Christ in his ministry, it's easy and extremely natural for us to think of the multitudes that he cared for. When you read your Bible, you'll note that the words multitude and multitudes are often used to describe his ministry and its scope. He taught multitudes. He spoke to multitudes. He fed multitudes. And the Bible tells us he even healed multitudes. But he also ministered to individuals. And that's because he cared not simply for that large mass of humanity, but he cared for individuals. And so as you go through your Gospels, you'll see that he cleanses a leper, that he heals a Centurion servant, that he heals Peter's mother-in-law, though he later regretted that. That's why Peter denied him, but that's a different Bible study. I better get back to being serious. He heals a paralytic, raises Jairus' daughter from the dead, heals a woman with an issue of blood, heals a man with a withered hand. He casts a demon out of a Syrophoenician woman's daughter, heals a demon-possessed boy. He heals a woman bent over and demonized. So not only did Jesus minister to the multitude, he ministered to the individual also. You see, Jesus didn't just care for multitudes. He cared for all. And this story that we're looking at, this story of a woman at a well, is a story relating of how Jesus showed love for one person. Now, it says in verses 1 and 2, when the Lord knew that the Pharisees had heard that Jesus made and baptized more disciples than John, though Jesus himself did not baptize, but his disciples already explained to you the point that was being made there. And that had to do with the controversy that we had looked at in the previous chapter. But as this is taking place, verse 3 simply says, he left Judea and departed again to Galilee. You look at a map, Judea represents the south, Galilee represents the north. And so Jesus is moving up north to do some ministry. Now, why would he leave Judea and go north to Galilee? Well, he obviously knew that the Pharisees were aware of the dispute that was going on between his disciples and John's, and they would exploit a division to undermine their ministries, because that's part of how the enemy works. You see, the enemy encourages competitive division that he might destroy. John wanted his followers to be followers of Jesus. He encouraged them to follow him. So to undermine this, the enemy begins to sow discord. He always does that. When a ministry is moving and another ministry is moving, God is doing wonderful things. There's an unfortunate reality that sometimes the disciples, devotees, the individuals attending each one of those ministries begin to get a competitive edge against one another, and the enemy has a way of exploiting that kind of thing to sow discord and undermine the work that God is doing through both of those ministries. Jesus in Mark 3, 24, and 25 said, if a kingdom is divided against itself, that kingdom cannot stand. If a house is divided against itself, that house cannot stand. And so he left Judea, departed again to Galilee to avoid conflict and in doing so, secured peace, providing a place for unity. In Proverbs 20 verse 3, you might want to mark this down. Proverbs 20 verse 3 says, it's honorable for a man to stop striving since any fool can start a quarrel. And that's true. I heard a fool get mad. No, that's true. Any fool can start a quarrel and it's always wise to stop striving. And so Jesus stops the striving by simply moving on from the south and he goes up to the north. You see, that's a good way to end arguments over which the church, which church is the most important. Losing fellowship over carnal things is playing into Satan's devices. Somebody once said, in essentials, unity. In non-essentials, liberty. But in all things, charity. And so as believers, John's followers were intended to become followers of Christ. And John, as he said, was simply the friend of the bridegroom because the bride belongs to Jesus and the church needs to remember this simple thing. We belong to the same savior. We resist the same enemy. And so Jesus is leaving, according to verse 3. He leaves Judea. He departs to the north to Galilee. Verse 4 says he needed to go through Samaria. Now, for him to reach his destination, which is to the north, it's necessary for him to go through this region called Samaria. When you look at a map of California, you look at that map and you see Northern California, Central California, Southern California. When you look at a map of Israel, if you envision it in a similar way, you have the Galilee, which is the north. The central area would be Samaria. The southern area is Judea. Very similar. So Jesus is in the south. It's like he's in LA. And he needs to go up north. So in order to go up north, he has to go through Central California. It's kind of like that. And so that's what it's saying he's about to do. He's in the south. He needs to travel north to go to Galilee. And the route to the north naturally includes passing through the central region. But the Bible teaches us that the Jews didn't normally pass through Samaria. As a matter of fact, what they normally would do is they would go from the south or from the north and they would begin to come towards the north or the south. We'll say they're going north like Jesus is. So they would travel to the north until they got to the border of Samaria. When they got to the border of Samaria, Central, they would cross the Jordan to their east. So you have to picture that.  They travel across the Jordan, which is the natural border there. They'd cross the border to their east, continue going north until they got past Samaria. Then they'd cross again to the west and then continue their journey. That was the normal way that they would go. And so that's because they wanted to avoid traveling through Samaria. According to verse 5, he came to a city of Samaria which is called Sikr, near the plot of ground that Jacob gave to his son, Joseph. So let me tell you a little bit about that so you have a background and understand what's going on. Now, it says that Sikr is near the plot of ground Jacob gave to his son, Joseph. So Jacob, the Old Testament patriarch, bought this field from what are, who are referred to as the children of Hamor. And he bought that field for 100 pieces of silver according to Genesis 3319. And there he built an altar which he dedicated to the covenant God of Israel according to Genesis 33 verse 20. Jacob left this portion as an inheritance to his son, Joseph, and to his children according to Genesis 48 verse 22. And so that's the location. And that's why it says in verse 6, Jacob's well was there. Jesus, therefore, being worried from his journey, sat thus by the well. It was about the sixth hour. Now, this well was fed by a spring. And so Jesus is there seated on a bench by the mouth of the well. Obviously this points something to us of Jesus's humanity. He's tired. He needs to rest. Sometimes we think of Jesus perhaps as Superman, but he wasn't. He was a man who could get physically tired. We need to remember that. And he's tired. Not only is he tired, but he's also hungry. And we're told what time this is. Notice verse 6, it's about the sixth hour. The sixth hour is another way of telling us it's noon and it's very hot. How many of you in this room have gone to Israel? I'm just interested. Raise your hand. Okay, many of you have. Have any of you gone to Israel during the summer or the warmer months? Raise your hand if you have. If you have, if you haven't, never go. We did it one time, once, one time. It was, we went during the summer. It was June. And the reason we went in June is because some of the teachers in our church said, we can't go to Israel because we're teachers. Could you set up a tour for us to be able to go during the summer when we're off? And so I stupidly agreed. I have to tell you, I'd never been to Israel during the summer. Going one time was well worth it. Because that's all I'll ever go. It's one time during the summer because even up in the Tel Aviv area, which is a little to the north and on the coast, it was about 112 to 116 degrees. And when you went to Masada, which is to the south, it was hot in a way that, we're Californians. We're in an area that's pretty hot. Our city, during the summer, 106, 108, that's not abnormal. It's a different kind of heat. It's that searing desert heat. And so Jesus is traveling. It may very well be a warm season for him. And as he's traveling, he comes to this place and he's seated there at the mouth of a well. He's thirsty and he's tired. And that's the picture that we have. It shows us that Jesus has humanity. And it gives us the location. It gives us the time. It's letting us know that it's very hot. And as this is all taking place, verse 7, a woman of Samaria comes to draw water. And Jesus said to her, give me a drink. Four, according to verse 8, his disciples had gone away into the city to buy food. So Jesus is there at the well. His disciples have gone to get him provisions. And he strikes up a conversation with this woman from that area. Simply referred to as a woman of Samaria. The woman has approached. It's noon. She's there to draw some water. And we know that this is not by chance. This is something that's the design of God. Because Jesus is going to minister to this woman. Jesus is there especially in order that he might minister to her. I want you to notice verse 4 again. It said he needed to go through Samaria. Why did he need to go through Samaria? Because there was an appointment that he had at noon with a woman who was going to show up at a well. That's why he needed to be there. He could have gone around like everybody else. He could have traveled to the east, crossed the Jordan, gone up north, returned to the west, finished off his journey. No, he needed to go through Samaria. Why? Because he had an appointment. Because he was sending his disciples away so he could have a private conversation with a woman who had a tremendous need that Jesus was aware of. And so he's about to minister to her. But we need to remember that Jesus has set this up. In John 6 verse 44 he said, No one can come to me unless the Father who sent me draws him. This woman is coming to that well and Jesus is about to reach her with his message. And he initiates a conversation. Notice in verse 7 Jesus said to her, Give me a drink. Sometimes we fail to realize that by him even asking this woman to do something for him, he actually was humbling himself to ask help of somebody else. Give me a drink. But within that give me a drink is also an invitation. The invitation would be serve me. And so though he is humbling himself, he's still giving her an invitation to serve him. Listen, every follower of Christ is a servant of Christ. And his conversation really begins with a visible humility but also a request for someone to follow and serve. He says, Give me a drink. He has a thirst that goes beyond one for water. Jesus' thirst is for her salvation. We need to remember in Luke 19 verse 10 that the Son of man has come to seek and to save that which was lost. And that's what Jesus is doing here. He's seeking and saving. He's seeking to save a woman who has lost. And he's alone according to verse 8 because his disciples have gone away into the city to buy food. You see, had the disciples been there, it may have been more complicated and more difficult to share because it wasn't normal for a man to speak to a woman alone. The man would not speak to a woman alone. It wasn't proper. And so what he's doing is actually he's reaching out in a way that's very unusual. And so if there were others present, she may not have been as open to share. And so he's got this perfect timing going about because Jesus is about to expose her sins and to do so would have been great embarrassment to her had he done so in front of others. Sometimes it's a very important thing as a matter of fact, many times. It's a very important thing when you have to deal with some issue to do it privately. You know, my father was somebody who taught me to do that long before he got saved. My father was a man who would not embarrass me in front of others.  My father was the kind of man who would not embarrass me in front of my friends. And so I might say something dumb or whatever and he could have and it would have been within his rights to to correct me in front of my friend or whatever, but my dad wouldn't do that. My dad would wait and then it was just him and me. Then he would say what you did was wrong and don't do it again. There are times when it's really important and I think many times when it's really important to just pick the right time to deal with an issue. I think a lot of times people fail to resolve issues because they choose to try to do it and the timing is wrong. It's always good to wait on the Lord. It's always good to pray. It's always good to ask the Lord give me the proper time, opportunity and the proper words so that we can bring a correction to this problem.  And so it's always wise if you have to bring correction to do it at the proper moment and some things that may be embarrassing, it's good to do so in private. And so Jesus is about to do this. He's having a conversation with this woman and so as he speaks to her, I want you to notice he initiates it and he does so by simply saying in verse 7 once again, give me a drink. Well, verse 9, the woman of Samaria said to him, how is it that you being a Jew ask a drink from me, a Samaritan woman. And then John gives us some insight when he says for Jews have no dealings with Samaritans. So this helps us to know that John was writing to a Gentile audience. Jews already knew that. And so this helps us to know that John's gospel was written to non-Jewish people. He has to explain this and that's how he's developing this.  Jews have no dealings with Samaritans. Now, why is that? Why would Jews have no dealings with these people who are called Samaritans? You see, she knew he's a Jew. How did she know that? Well, his speech, the way he would speak, they had different accents. His clothing, the way he was dressed. His speech and his clothing identified him and so it's surprising to her that this Jewish man is actually speaking to her. Jews have no dealings with Samaritans. But why? Well, to the Jew a Samaritan was unclean and the feelings went very deep. Jews would not eat meals with Samaritans. They would not use the same eating and drinking vessels. They had no religious connection with Samaritans whatsoever. Why? Because Samaritans were looked at as a pagan mixture of Jew and Gentile. They originated as a people group around 722 BC after the nation of Issyria conquered Israel. In 2 Kings 1724, the Bible says the king of Issyria brought people from Babylon, Qutah, Ava, Hamat and from Sefar Vime and placed them in the cities of Samaria instead of the children of Israel. And they took possession of Samaria and dwelt in its city. So they dispossessed the Jews and they brought in foreigners to live there in Israel. Now, when they originally had moved in the Lord actually sent lions among them. Many were killed. So out of fear, they came to believe Israel was behind this slaughter. And in 2 Kings chapter 17, 28 and 29 it says one of the priests whom they had carried away from Samaria came and dwelt in Bethel and taught them how they should fear the Lord. However, every nation continued to make gods of its own and put them in the shrines on the high places which the Samaritans had made every nation in the cities where they dwelt. So in 2 Kings 17, 32 and 33 they feared the Lord. From every class they appointed for themselves priests of the high places who sacrificed for them in the shrines of the high places. And it says they feared the Lord yet served their own gods according to the rituals of the nations from among whom they were carried away. They served the Lord and feared their own gods and served their own gods. Feared the Lord, served their own gods. Sounds like Americans. Feared the Lord. Because this isn't the nation of the United States the nation we all love, of course. Isn't it a nation that claims Christian heritage but still serves their own gods? Well, that's what they were doing. That's what they were doing. See these lions came in, slaughtered some people. They said, we've gotten the gods of this land angry. What should we do? Well, there's this priest that we have that we can ask him. He'll tell us. This is a jealous God. You've made him angry. You need to serve him in a different way. So they started learning the rituals of service from the Jews. In doing so, they combined paganism with the Jewish religion. And that's what they did. I'm apologetic because my throat's giving me problems I have to drink. And so, 300 years later from 444 between 444-425 BC the Jews returned after being held captive in Babylon. Under Nehemiah the Jews rebuilding Jerusalem were opposed by Samaritans. Mama, do you have a I'm going to do this all night if I don't get something. Do you have my medical marijuana? No. My eyes are bothering me. Forgive me for the interruption but I have to do this. I've been dealing with something for a long time. Thank you. I had brought one of these with me into the Bible study tonight and somehow I must come out of my pocket in my office so forgive me, I have to do this. Now my voice will change and sound like rawl and then I'll really be in trouble. Take another drink of water and see what we can do here. I take a medication it's for my blood pressure and one of the one of the what do they call it side effects is it drives me out and so it's been happening now for several months it's very distracting every time I teach so I usually have to prepare myself to teach tonight it's acting up more than normal and I'm just telling you that because I love pity but anyway under Nehemiah the Jews rebuilding Jerusalem are opposed by Samaritans and Nehemiah 4 verses 1 and 2 listen to what it says it says it so happened when Sandvillet heard that we were rebuilding the wall that he was furious very indignant and mocked the Jews and he spoke before his brethren in the army of Samaria and said what are these feeble Jews doing will they fortify themselves will they offer sacrifice will they complete it in a day will they revive the stones from the heaps of rubbish stones that are burned so there was a great dislike for Samaritans they were a hybrid race according to Jewish religious standards they were pagan they opposed the building rebuilding of the temple and the Jews hated them and they refused to worship with them and so because the Jews would not allow the Samaritans to worship in the Jewish temple the Samaritans in 400 BC built a rival temple the rival temple they built in a place called Mount Geretim that temple eventually was burned down by the Jews in 128 BC there was such a great antagonism that went on for centuries that John simply has to say Jews have no dealings with Samaritans the Gentiles could be familiar with it the way we are by looking at the history of the conflict between Jews and Samaritans the Jews already knew they had no relationships with them they had no dealings with Samaritans so this is what is taking place when Jesus is at a well and a Samaritan woman comes up and he actually initiates a conversation which men would not do in public with a woman the Jewish man would not have a conversation with women in this way at a well like this Jesus is breaking some taboos as he is having this conversation and so the woman begins to speak and I want you to notice something again and then we will move to verse 10 the woman of Samaria said to him how is it that you being a Jew ask a drink from me a Samaritan woman that attitude is one of flippant kind of like she is being sassy with them she is being smart with them this is not a friendly woman she is looking at them she is throwing that attitude look that you can see sometimes that is what she is doing a lot of times when you read your Bible you might think there is a polite conversation going it is not a polite conversation this is not one of those just because Jesus is speaking does not mean everybody got quiet sometimes we think that when Jesus would speak there would be a lot of noise Jesus walks in and suddenly a holy hush comes upon everybody and they sit there listening that in the way it was no this is real life that is why this is such a great story it is real life Jesus shows up he is at a well he is sitting down he is tired a woman comes up he sent his men out go get something for me to eat they are gone he is just waiting he is gone in an appointment here she comes give me something to drink that was it that you a Jew asked me for a drink of water it is an attitude that she has now this woman is coming at noon that tells you something about the woman because in the Jewish society the women would go for water early in the morning it was cool or late in the afternoon when it was cool and they would gather together at the well for a place of fellowship where they would be bringing in the water because it was the job of the woman to draw the water for the family those were the good old days it was the job of the woman to get the water that was what she did it was part of her domestic duties so the women would go at a certain time and as women would in any small village they would gather together hi how are you how is the family what is going on and he knew it was it was a social place a place where they would socialize but that would be in earlier in the morning or late in the afternoon why again because it's hot nobody goes to a well at noon unless nobody wants to be with you that's why she's there at noon because the women the decent women had nothing to do with this woman the good women of the town had nothing to do with this woman we already know why you've all read this story before but that's why she was immoral they didn't want anything to do with her so she had to come by herself at noon and that helps us to understand why she'd have an attitude she's rejected nobody likes her nobody spends time with her how is it that you being a Jew ask a drink of me a woman of Samaria would be an attitude that you would have and so Jesus answered verse 10 said to her if you knew the gift of God and who it is who says to you give me a drink you would have asked him and he'd have given you living water oh Jesus begins to speak to her she was being flippant she was really at first uninterested but just the way Jesus spoke with this seriousness begins to bridge to build a bridge for her to cross in faith to come to him now when we look at this conversation we see how the Lord reaches across barriers, barriers that divide us the first thing we see he reaches across racial lines between the Jew and the Samaritan because his love replaces hate he reaches across gender lines the lines that are divided between a woman and a man and this is something that Galatians 3 28 tells us there's neither Jew nor Greek there's neither slave nor free there's neither male nor female you are all one in Christ Jesus Jesus reaches across that Jesus is not just a a messiah just for Israel Jesus is the world's messiah that includes every ethnicity that is present in humanity every ethnicity we have people today who say that they are this or they are that Irish American, Polish American Mexican American African American we hyphenate that but the reality is there's humanity and Jesus Christ died for everybody not just for Jews and not just for non-Jews he came to reach we need to understand that because today in the United States I'm telling you, you probably know this I'm just saying something we all know and if not think about it we go to churches because there are more people like us there I go to this church because people like me are there other sinners? No, no, I don't mean that I mean but you know I look around I see people more like me guys be careful, I hope you don't do that please never do that you know what we're here for I say this every time I'll say it again it's because I believe with all my heart we belong together in Jesus Christ we need to always remember that it's easy right now to forget that I'm telling you you know this but it's true basically it's not even part of the study I was invited to be part years ago some of you know most of you won't know this because I never talked about it many years ago many years ago can't even remember how long ago but it's been 10 plus years maybe 15, I don't know I was invited to be part of a Hispanic organization you won't know this because I don't talk about it but our church is pastored this church here pastored by a Mexican American I would say it like that but I've got a point in this is one of the largest churches in the United States pastored by a Mexican American Hispanic man you don't know that because I don't talk about it because that doesn't matter to me but that's a fact that's just a fact and it came about that somebody was putting together the first in history the first traditional Hispanic prayer breakfast in Washington DC the one who put that together his name is Luis contacted me and asked me if I would be part of an organization I'm kind of putting it all together that put on this thing and there were several Hispanic leaders from around the United States I was invited to be part of this original council and it was part of it for the first year or two and when that happened I just died and I thought my father would have been blessed to see how the Lord is moving and the community and this and that and I said I'll come and meet with you and see and so my wife and I met with him more than once and went to Washington DC attended the very first in history national Hispanic prayer breakfast never had been one in history so we were part of that I was part of a small group of about six men or less to oversee this so that says something but Marie and I had conversations and we went maybe once or twice they talked with Luis more than once and we went and I told Marie I said I don't like the direction this is going this is not my heart I'm not a man who's caught up with only the concerns of one portion of our society the gospel of Jesus Christ has to go to all people and I'm not going to isolate myself to one group even if it is my ethnic heritage because I see more than that I want us to reach the world not just Mexicans and Puerto Ricans and Colombianos I'm not going to do that it's not that I don't love because my Hispanic friends will get mad at me what's wrong with you man I see the kingdom of God bigger than that so I dropped out of that years ago and this church doesn't really know about it why? because I'm going to keep my eye on what matters and what matters is unity in Jesus Christ whether you're brown, black, yellow, white or rainbow doesn't matter to me we are one in Jesus Christ and that's why I do what I do I've had opportunity I've been given it I could have probably risen to do something to be known why? because there's only one who should be known and that's Jesus Christ and that's how it works now you don't need to know that maybe but it's true so when I go through these things and you'll see me say we're one in Christ we're one in Christ that's because we're one in Christ we're one in Christ somebody else can chase that that fame I don't need it for me it's more important that we love one another and if God keeps me in this corner in Chino to speak to people with like mind I'm blessed to do that I don't need to be in DC I don't need to be known by senators I don't need to sit down with my congresswoman or congressman I don't care about that they can't change my life but Jesus can and that's why the gospel matters to me I'm just telling you I'm reaching across racial lines reaching across gender lines reaching across moral lines because he's reaching out to a sexually promiscuous woman and then he reaches across religious lines because he's offering life to any who would receive him and so he speaks to this woman if you knew the gift of God and who it is who says to you give me a drink you would have asked him he would have given you living water he doesn't respond to her comment about the division between Jew and Samaritan he goes to the heart of the matter and he arouses her curiosity he says to her in verse 10 again notice if you knew the this gift he's speaking about it's a totally free gift if you knew the totally free gift of God who it is so he begins to appeal to her present need he obviously knows that she is physically thirsty so he speaks of physical thirst she's presently experiencing that but he uses her physical thirst to awaken her awareness to her spiritual thirst in Psalm 63 verse 1 the Psalmist said God you are my God early will I seek you my soul thirsts for you my flesh longs for you in a dry and thirsty land where there is no water you go to Israel and you'll see that it truly is in many places a very thirsty waterless land and like when I'm just dying of thirst that's how my soul is with you so Jesus says I'm offering you something I'm offering you salvation I'm offering the gift of God the gift of God is life in Jesus Christ I'm offering you living water well the woman verse 11 said to him sir you have nothing to draw and the well's deep where then do you get that living water are you greater than our father Jacob who gave us the well drank from it himself as well as his sons in his livestock now she's thinking on a practical level you're offering fresh water to drink but you have nothing to draw it up with and this well's 100 feet deep now I don't see anything especially spectacular about you if I may are you greater than Jacob and so that gives us simple insight into his appearance Jesus wasn't glowing in the dark and he wasn't floating he just gives us insight into that and he speaks to her in verse 13 and says whoever drinks of this water will thirst again but whoever drinks of the water that I shall give him will never thirst but the water that I shall give him will become in him a fountain of water springing up into everlasting life hmm that sounds good to me I'm offering you something that will permanently satisfy your needs somebody said the soul's greatest thirst is for God himself who has made us so that we can never be satisfied without him saying I'm offering you a life that is fresh that is satisfying and is pure I'm offering you that which will satisfy your thirst not temporarily I'm not giving to you opportunity to become a follower for a while until some new guru comes along and you follow them no I am giving to you words of life and an experience with God that is so deep that you'll never thirst for anything else ever again this will satisfy you forever people have asked me how is it that you have remained with Christ for 48 years how has that happened that you have never turned away from him why because when you drink of his water you never thirst again there's nothing out there that would satisfy my thirst only Jesus Christ there's no other power out there that would satisfy me only his holy spirit there's no other food out there he is the bread of life that's called Christianity and that's why he's saying I'll satisfy you I'll satisfy this thirst you're going to drink of this you're going to come again you're going to have to continue why because that water does not satisfy that party scene doesn't satisfy that relationship doesn't satisfy that drug doesn't satisfy that car doesn't satisfy those things don't satisfy only God satisfies and that's the point he's making it's very easy to see that and so she says that sounds pretty good to me so verse 15 the woman says sir give me this water that I may not thirst or come here to draw yeah I'll drink it you offer it I'll take it now it's possible she's humor in him maybe he's a little bit strange you know but Jesus takes her a step deeper go call your husband and come here uh oh bust it you want this living water yeah well in order to get it well it requires a confession of sin and it requires a repentance so the woman answers and says in verse 17 I have no husband so she's kind of giving a that's true I have no husband now I was just reading something again I'll say this briefly but I was just reading it two days ago somebody was writing about Jesus saying that he in essence they were saying oh Jesus was just he accepted everybody tolerated everybody loved everybody and this is a person who doesn't read the Bible and they're preaching a false Christ a false gospel in the name of Jesus oh Jesus didn't confront he didn't make people feel uncomfortable no there is a gentle way there is a gentle way he didn't look at her and call her a harlot you wretched harlot he didn't do that could have he could have but he didn't he approached her in a gentle way I really believe that that is the wisest and most loving way that you can under normal circumstances approach somebody most people already know that there's something wrong with them most people do not all people there are some who are so narcissistic that they don't have any idea that what they do is wrong there are some that way there are what are called sociopaths people who are never wrong in their own mind and that does exist of course but the average person you know and I know you know and I know no we may make excuses oh yeah yeah I say to a person mostly we're having a conversation and I say to the person you know you just lied to me well I didn't really lie I kind of stretched the truth yeah yeah okay you stretched the truth but I really didn't lie you see there are big lies and there are little lies this was just a little lie we have a tendency of doing that yeah I took something but it was a small thing yeah but that makes you a thief no no no I'm not a thief I didn't steal a car I didn't steal a boat I only stole a candy and it's really not stealing because if you look at it there are a whole lot of other canis there and by the way this is a big corporation and nobody's going to notice some good and plenty's are gone or whatever so it's okay to steal a little no I didn't steal I appropriated I'm really more like Robin Hood because there's a lot of candy and I'm going to give it to you know we can justify our sin all day long and people do that all the time so people will say you know Jesus he tolerated everything and he accepted everybody and he never confronted sin but what he's doing here is confronting her sin in a gentle way you have to see what he's doing here go call your husband and come here the woman answered and said I have no husband Jesus said you have well said I have no husband you've had five husbands and the one whom you now have is not your husband in that you spoke truly busted you've been married formally five times you're shacking up with someone that's not your husband you know in the United States we've had an interesting moral turn several years in that people think shacking up is being married you know that and I know that you know people in our fellowship before they got saved felt that was a very normal way to to have relationship I don't see the reason why I should marry they'll say it's just a piece of paper you know what good is a piece of paper if my love doesn't bind her heart and we like to get poetic about our sin and we try to make it romantic and Jesus didn't put up with that I want you to note that you've had five husbands you formally went through the ritual of marriage and now you're shacking up that's not your husband so when people will sit down and say living together is being married Jesus said that's not your husband you're having an immoral relationship and what he's doing is he's confronting and he's doing it in a gentle way but he's confronting her sin he's saying you cannot have life as long as you desire your sin and living together by the way is sinful in Ephesians 5 verse 5 Paul said it like this this you know that no fornicator, unclean person nor covetous man who's an idolater has any inheritance in the kingdom of Christ and God and so he speaks to her and he confronts that notice her response verse 19 the woman said to him sir I perceive you're a prophet it's interesting how her way of approaching him changed from how is it that you being a Jew then she changes her tone and she says sir and now notice what she's calling him I perceive you're a prophet so from Jew to sir to prophet all in one conversation I perceive that you are a prophet in verse 20 our fathers worship on this mountain and you Jews say that in Jerusalem's a place where one ought to worship so let's have a religious debate here I see you're a prophet let's argue religion sometimes people like to hide behind religion as religious as she may have been it didn't produce morality in her life and so the question has been asked if your faith doesn't change your life then what good is it well as she's speaking to him our fathers worship on this mountain do you say that in Jerusalem where the temple is a place where one ought to worship she wants to debate him notice verse 21 how Jesus deals with that woman believe me the hour is coming when you will neither on this mountain nor in Jerusalem worship the father and then he said this you worship what you don't know we know what we worship for salvation of the Jew think about that for a moment let's say that Jesus thought all religions were pretty much the same no he says you don't know what you're worshiping salvation comes from Israel and he made that very clear we know what we worship salvation is of the Jews now when he said you worship what you don't know they the Samaritans rejected the Old Testament prophets the Psalms and the historical books of the Bible and because they didn't know scripture they didn't know salvation and so that's what Jesus is pointing out but he goes on and says the hour is coming now is when the true worshipers will worship the father in spirit and truth the father seeking such to worship and God in spirit those who worship him must worship in spirit and truth and the woman said to him I know Messiah is coming who's called Christ when he comes he'll tell us all things that are I who speak to you am he whoa think about that notice how she said I know that Messiah is coming she may be evading his call she may be saying I have time I can wait I don't need to do anything yet but Jesus closes the last door when he said I who speak to you am he and you can almost follow up with another question now what are you going to do you're thirsty you want the water I can provide I said to you get your husband you said to me you have no husband I said to you the man you're living with is not your husband you're telling me the truth in other words you're in sin you tried to turn this into a religious debate we worship in Mount God seem you worship in the temple in Jerusalem you don't know what you're talking about when it comes to religion but I can tell you about salvation you don't know the Old Testament the prophets the writings you don't know these things because these things Jesus says these things point to me and so if you say you're waiting for Messiah Messiah is here what are you going to do you know that question can still be asked you say you're waiting for Christ to somehow reveal himself he already has now what are you going to do


Marines General Neller here. These last 18 months I spent a lot of time talking to you about how we as Marines must treat each other as members of this warfighting organization with dignity and respect. I've spoken about the effort it takes to earn the title Marine and our families in the nation are proud of who we are and have high expectations of our professionalism and competence.  That when we make the team, we're all teammates, brothers and sisters, Marines. That we are seen by our fellow citizens as men and women of honor and virtue, possessing an unbreakable commitment to each other and to the nation. Unfortunately, it appears that some Marines may have forgotten these fundamental truths and instead have acted selfishly and unprofessionally through their actions on social media. So let me cut to the chase. When I hear allegations of Marines denigrating their fellow Marines, I don't think such behavior is that of true warriors or warfighters. As warriors we all know that cohesion and trust within a unit and between Marines is vital to success on the battlefield. Right now we all need to be focused on getting better, becoming more lethal, working day and night to stay ahead of potential adversaries, getting ready for the fight today and the one ahead, not hiding on social media, participating in or being aware of actions that are disrespectful and harmful to other Marines. It's embarrassing to our core, to our families and to the nation.  So if you believe you are a victim of any harassment or abuse via social media or otherwise, I would ask you to report it to your chain of command, your chaplain or a victim legal counsel. For our NCOs and staff NCOs, I expect that you will support all Marines who report behavior that is prejudicial to good order and discipline, including conduct that is degrading to Marines, ensure they are protected from any form of retaliation, and do all in your power to prevent harassment or abuse of any Marine or Sailor. For officers, as senior leaders, we will ensure all in our charge understand the rules and regulations on social media, conduct, harassment and abuse, and that they clearly understand its negative impact on good order and discipline. We will ensure that the investigative process that is ongoing supports the reporting of conduct like this. If changes need to be made, they will be made. Our legacy is as one of the finest fighting forces the world is known, and I know that the vast majority of Marines take this profession of arms, this calling seriously and work hard every day to build on that legacy.  What we say and do each day represents who we are, and there is no time off for Marines.  We will get through this if we are all in together, treating your fellow Marines with the respect they deserve. I need all to be a Marine, to do your job. We will all need each other in the days ahead.


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QuickBooks Online 2024 budgeted income statement data input. Get ready and some coffee because QuickBooks Online is even quicker to the trigger than QuickDraw McGraw. First a word from our sponsor.  Like our crunching numbers is my cardio product line. Now I'm not saying that subscribing to this channel crunching numbers with us will make you thin fit and healthy or anything. However it does seem like it works for her just saying so yeah subscribe hit the bell thing and buy some merchandise so you can make the world a better place by sharing your accounting instruction exercise routine. If you would like a commercial free experience consider subscribing to our website at accountinginstruction.com or accountinginstruction.thinkific.com. Here we are in our gift great guitars 2024 QuickBooks online sample company file we set up in a prior presentation opening the major financial statement reports as we do every time the reports on the left hand side in the favorites right clicking on that balance sheet to open a link in a new tab right click the profit and loss to open a link in a new tab doing the same with the trustee TB trial balance. Let's tab to the right close up the hamburger and then change that range we're going to go from 010124 tab 022924 tab I'd like to see the side by side so we'll select the drop down months and run then tab to the right same process closing the hamburger changing the range 010124 tab 022924 tab drop down months and run it to refresh it tabbing to the right closing the hamburger again changing the range 010124 tab 022924 tab drop down months and refreshing the report once again let's go back to the income statement in prior presentations we've been thinking about the budgeting process which can be found for the data input in the cog up top and the budgeting however typically we're going to need to create the budget before we do the data input if we want any more detail then simply a budget based on past data so what we might start with is exporting the financial statements starting possibly with the profit and loss report to excel using excel to then make adjustments and predictions into the future as we did with our worksheet over here once we have our budget put together we can then upload it back into the budget within quickbooks allowing us to run reports such as budget versus actual as time passes so we've have exported the two months of data we did so on the trial balance for the two months combined as the total here because that's where our data was we then took the average of the two months in a similar way as you might do for the average of a year as our starting point our monthly averages per account and then we made adjustments to each account according to the to the good advice of all the all the wonderful people involved that are making changes to improve this organization okay so then so the revenue is going to be increasing greatly because of all the all the amazing changes that we put into place so now we need to put this back into quickbooks so there's a couple ways to do that let's go to the first tab over here and we could hit the drop down up top and say we're going to go into the budgeting I want to import this in now I have it in excel so you would think possibly using the import would be a way to go and we might check we'll might check that out but let's first just look at the budget creation screen without the import first to get an idea so I'm going to say tab how do you want to set up your budget select your preference we're going to first be looking at the profit and loss otherwise known as the income statement it's going for 2024 that's what we want so I'm going to be picking that one and then available setup options and then custom budget create a budget from scratch that's what we're going to be doing because it's the only budget we have thus far and then again we could import it but let's take a look at this before we think about the importing all right so in this screen we have the drop down over here here's our here's our period we got the actuals so so we have the compare reference so we have a compare reference to the actuals year to date of 2024 or possibly we would want to look at the prior years for example and that would give us our column over here that would be a quite useful possibly if I was just creating the budget from from prior information but in our case it's not going to be as helpful given the fact that we already have our data that we exported we can also toggle between yearly budget so we have the yearly budget the actuals for 2023 the quarterly budget so then it gives us our actual numbers on a quarterly basis there's only information over here and the end for us and then the monthly information so we have that but I think it would be easier for us to toggle this off so that we can just enter our information the total is on the left hand side and then the months across the top for a monthly budget which is kind of the most common type of budget now obviously we could just go into our data input line items now and go one by one say like entering a hundred dollars for example and then copying it across and by default it copies that across right and we can basically repeat that process now we don't have a lot of stuff to do our our kind of calculations remember you would think that like in the desktop version they have some ability to to to to multiply each column by by like a percent right like we did in excel so you can see the easy kind of increases you can try to increase it by by a rate so this is 1.05 so I didn't do it for this one so this I took the prior one times 1.05 it increases by 5 percent or we can increase it by a fixed amount each time like a thousand so but we don't have those kind of options over here possibly because they recognize that if you're getting into more complex information like that you might be using excel and then importing it so let's now close this let's think about their importing feature do you want to sit leave without saving I'm going to say leave and let's think about importing it now so let's say we wanted to import a budget and then once again it's going to be for 2024 consolidated so if you're already got a budget onto your template you can skip this I'm going to say next and then I'm going to look at their budget template so I'm going to enter their template which should be in excel we basically created our budget from the template but I didn't do it from like an end so here's the template that they have here so let's just see what it says so use this template to get your data into format for QuickBooks understands QuickBooks uses the budget details on this sheet to read budget type timeline categories and so on when you update this info and save the budget with a new name and budget period you're creating a new budget okay so do not change the sheet name it says do not change the rows or column labels rows with invalid entries will be ignored during the upload so we want to keep everything basically the same because it's copying kind of our chart of accounts right leave unwanted columns or rows blank I think that says blank you can edit the budget in QuickBooks once the update is complete and then add columns only at the end and not in between so you can add or remove rows as needed the accounts you see in the template are taken from the company chart of accounts to which you want to import your budget so you can format the template rename your budget and add in numbers and formulas intercells values only between these large numbers okay so here's our actual data so here's the actual budget they took our chart of accounts now notice the chart of accounts is going to be a lot longer than just our income statement why because for example QuickBooks gave us this massive chart of accounts when we started the company file but we're only using a small fraction of the accounts within it so your budgeting will be a lot easier if you were to clean up your chart of accounts so for example if I right click and duplicate this tab and go into the I'm going to close this out yes and then I'm going to say let's go into my transactions and then into my chart of accounts see the QuickBooks by default gives us this massive chart of accounts because they try to give a chart of accounts that covers every type of industry instead of specializing based on the information you provide to them so that chart of accounts is going to be a whole lot longer than our actual income statement if you went in and made inactive a lot of those accounts hopefully they still would not show up on the budget and your budgeting would be a lot easier in this data input system also note that our income statement has these subcategories and when we exported it we used the trial balance because we wanted to make it as as clean as possible without the subcategories and whatnot so so that means you know we have we're going to have to just copy and paste our information into basically the budget information just trying to make sure that we get the proper lines lined up so let's see if we can do that let's go back on over here I'll save the budget all right and then we're just going to so now so so now I'm just going to go over here and say okay this would be a lot easier if we had two screens right but let's see if we could just we might be able to even if you see it this way I can put it side by side and say that might be workable actually so I can say here's my my billable income here's my billable income over here so I'm going to make this one green maybe as I go try to see if I can line this stuff up and then I'll just copy this whole thing I'm just going to copy I'm not the total they don't want the total and then just paste it maybe I'll paste one two three without the without any formulas so it goes out to December perfect so then we could just do that all the way down so we're going to say all right that one's done this is the equipment so so this one was here oh see I got it on the wrong line already for crying out loud so that's why the subtotals are no good so I'll pull this down to here and let's color these as I go so we did that one and so now we're on the equipment so equipment let's make that one green and that lines up to this one so I'll just copy that and copy and then put that here right click pasting it one two three uno dos tres cuatro that's going to be values only and then we'll do this one this is going to be for the sales so that lines up to this one so let's go and copy that and we'll paste that right there movie B to the end and then be nice if they had some formatting so it looked like a number but that's okay actually let's change that I'm going to select all of the area in between because I don't want to mess up the date formatting up top I'm just going to take this huge box and then format it in a number format so I'm going to right click in it format the sales and then let's make it currency negative numbers bracketed get rid of the dollar sign and the decimals okay so there we have it all right so then we have the services let's copy the services now I see a problem when we get to the negative numbers because I don't think they want negative numbers so I'm going to put this in here paste it one two three on the services so we did that one so now oh I didn't want to make it a tele-sized so so now maybe I'll copy my template over and switch these numbers to positive so that it'll be easier for me to copy and paste them over here so what I'll do is I'll make another tab I'm holding down control left click and dragging to the right and then what I'm going to do is I'm just going to take this whole thing all these negative numbers and copy them and I first want to paste them down so that there's no formulas so I'm going to right click and paste them one two three and so once they're in there with no formulas as you can see in the formula bar I can copy them again and then right click and paste special and I want to make it subtract which hopefully will flip the sign from negative to positive so oh and it didn't do it hold on a sec wait let me do it again I'm going to undo that undo that something went horribly well let's copy it and paste it over here because it tried to subtract what was already in the cells I think so let's paste it over here and right click and paste special and subtract it over here boom and so now it flipped the sign and then I'm just going to copy that and place it right back on top so that they're now pasting one two three so now I just have positive numbers my net income no longer makes sense down below but that's okay and then I can delete all of this stuff it has served its purpose it has served its purpose and now it shall be deleted haha it shall be deleted oh wait a sec there's my okay I'm gonna shift up sorry about that I had the I'm still working on my soundboard okay so this one over here okay so that's good so now we're gonna say that was services and then so we have cost of good sold now cost of good sold is going to be down here where we don't we just put it into there's a parent account and then I think we just put it into one account so we'll just put it in here cost of goods copy that and we'll put it right here I don't even need to paste it one two three because that now everything is just numbers so that's good and then we've got the bank charges bank charges where are those over here bank fees expenses advertising to see this is why see it's way down here because I have all of these accounts that are not using that's why we should go back and delete those it's ridiculous to have all those accounts I think I copied the total last time that's okay I'll delete it later so then we have the liability insurance so insurance to do to liability there we go let's do that one so I'll copy that one over copy that Roger Roger out copy and paste okay what else do we have internet we've got the internet expense so this is right there that looks like it so let's copy that 90 bucks across 90 dollars we'll paste that just normal boom all right we're really moving now I have the system down taxes this is payroll payroll taxes and wages so I'll go payroll taxes do it make that one green copy over boom payroll taxes bam and then the wages I'll copy this because that's right underneath copy boom wages bam so payroll taxes and wages okay and then supplies supplies we'll copy that across do to do to do copy that supplies do I need to put it in the parent account I think I just put it in one parent account I'm not using the subsidiary account for that one so we just put it right there and then telephone expense the tele the tele I think the British people call it the tele or something I don't know I'm going to copy that and put it right there and then we're going to say then utilities utilities don't day so I just put it into one parent account for utilities so we'll copy that and we'll just put it there that one and then see if we didn't have all these added accounts it would be easier I don't have that one there's nothing there depreciation depreciation don't day there it is it's under other expenses okay all right if that if you say so it should be there copy that depreciation depreciation and then boom boom and then other miscellaneous expenses to other miscellaneous expenses last one ultra base so we're going to say other boom all right so I think we have everything let's make this large and then I think I added a total column out here on one of them no everything looks clean so yeah here's I after December that column in I'm going to get rid of column in there's no totals okay so then so I have some funny formatting which hopefully doesn't throw off the system when I import it I'm going to make it non-green and so I think that's everything so let's save this and and import it and see what happens so we're going to say close this out I'm going to close this for now and then I'm going to locate it so here is the file so that's the one it's an excel file so okay so instead of a csv file which they sometimes require you to use so now we're going to say boom let's go back into my budget so if I go back in here do you want do you want to cancel the import I'm going to say yes just to show us how to get in there again so we were in the budget to do we're in the budgeting the budgeting here and then we're creating the budget we want to import the budget and so it's a budget and it's for 2024 consolidated I'm going to go next and then it says download budget and then and then so it says all budgets in one place so use the template will give you to get your data in a format QuickBooks under signs find out more about the import okay we've done that upload the budget upload the budget and so I'm going to go boom it's right there so it's in an excel format that's the one to do so we'll say next and so now it's working on it it wants to know if it did a good job I don't know I haven't seen it yet QuickBooks it's a little premature budget created successfully sit back while we make sure all your data comes in correctly okay view the budget all right so there we have it so now it's basically done the data input for us now it's hard for us to kind of check the bottom line when it was in the budget template in excel but I think here it might give you a butt so here's the net income that we have and it comes out to through December and then the budget total net income is at 129 which I don't think is correct I don't believe see we thought it should come out to 125 970 and we have here 129 43 now I'm gonna I'm gonna save this and note that we can go back in and fix it so we'll do that in a following presentation so I'm gonna save it and then I'm gonna I'm gonna analyze it in the reports which I think is easier to do in the following presentation and then we'll go back into the budget and make an adjustment for that so I'm gonna go ahead and save it for now and say doon there it is and then I'm gonna close it and then if I go into my reports then well now we have our our budget information I go into my my hamburger let's go into the reports and see if I could search for a budget report now I have these two budget reports which weren't there before because I didn't have them so let's take a look at the budget overview and then this gives us basically the overview and then the budget versus actual will give us a comparison between what has happened over time which we have two months of data input and so we'll take a look at that later but for now I'll use this report to kind of see what where we went wrong and then make an adjustment to it and this might be one of the better like the best way to do it because again their template if we get it right in excel we can use excel to then populate their template which is a little bit more difficult to to calculate net income with although we could have done that and then we can import it into into QuickBooks and see what went wrong with their data input template and see if it would be worth re-uploading it again fixing the template or simply just adjusting the budget within the system which we can do by going to the tab to the left dropping it down and then we go back into the budget and then so here's our here's our actual budget uh run budget versus actual and we can edit it so I can go back in and make the adjustments to it so we'll get into that more next time