Actually no, I'm gonna make it to another account.  I'm gonna make another account. It's gonna be a liability account. So I gotta come up with a number. That's why I'm in here. Let's make it, let's make it two, four, three, five. So I'm gonna go up top and say add type. It's gonna be a liability. We'll just type in the number before I forget it. Two, four, three, five. And then it's gonna be a liability, current liability. Name, loan payable, which you might also call accrued interest or not loan payable, interest. Which you might also call accrued interest. Sorry about that. My head's not working right now. All right, so there we have it. So that looks good. So let's go ahead and post it. And check it out. Posting it and then checking it out balance sheet. Let's hit the update. And we have then the loan payable account down here is in the liability section. Loan payable now has the interest payable. So there's the 72.92. Notice that you see it in here as a journal entry and that's good. And also note that we recorded it as of the end of February. And that's, I just wanna point that out because oftentimes people are like, well, yeah, if you put it in there as of the end of February, you're correct, I guess, as of that date. But what about the day before February, the income statement, if you ran it before the end of February up to the 27th, it would be wrong. You could say, well, why don't I try to make this adjustment so that it records periodically every day correctly for, why, because that's tedious, right? It would be tedious to do that. It would also make it harder to see that this is an adjusting entry and so, and it would be more confusing on the bookkeeping side and we'd have all these journal entries. So we wanna say, yeah, we're gonna sacrifice the fact that it's not exactly correct for that 15 day period before the end of the year, but for us reporting as of year end, then our income statement is correct for that whole time frame. That's the idea. Okay, so we're gonna go back and then on the income statement, if I update this one, we reported then interest expense. This is internet. We should have had, no, I put it down here. There it is, interest expense. So let's go into that and check it out. So we've added another $72.92, so that looks good. Okay, so that's the general idea. That's a classic basically kind of adjusting entry because it has one balance sheet account and one income account, although again, it's kind of a small adjusting entry due to the type of loan that we had here. Let's open up another report. Let's open up the journal report. So I'm gonna duplicate a tab and if we wanna see the adjusting entries we've put in place, we can open up that journal report, accounting, dropdown, reports, and I can open up the journal report and check it out. Let's change the date up top, hitting the date dropdown. We're just gonna make it for the day that we did the adjusting entry. So at the end of January, January, oh, I'm sorry, the end of February, February 28th to February 28th update, February 28th to February 28th update. So now you can see that you can see our adjusting entry having a manual journal entry, which notice that they kind of marked off and they designated as the manual journal entries. Those are the ones that are likely that we put in place. So now we can kind of run a report fairly easily and indicate which transactions are period end transactions because one, they're entered as of February 28th, although a lot of other transactions were entered as of February 28th, but two, they're gonna be manual journal entries that we entered as of that date and three, we're usually gonna be indicating in the description that these are adjusting entries. And you can further filter by hitting the dropdown up here and say you just wanna say the posted manual journals only. So it's not gonna show us all the other journals that were entered, we have just the manual transactions. Now note that even that isn't perfect because I still have these other transactions, you'll recall that I entered a payroll transaction that's part of the normal journal entry process with a payroll here. So that's why we still, even with the manual journal entries need to be indicating that these are the adjusting entries. We can also export these reports to Excel. And if we were to provide them to the bookkeeper to show what we did on the accounting or adjusting department, we can then further filter this report. We can also try to filter it up top further, but I think the easiest way to filter it from here would be to export it to Excel and just delete the items that are not, the journal entries that are part of the adjusting entry process. So we can provide the adjusting entries only if we need to whoever, to whoever needs them. All right, let's also open a trial balance just to see where we stand at this point. Accounting drop-down reports. And we're gonna be opening up the trial balance, the trustee trial balance, the good old T to the B, not tuberculosis trial balance. And we're gonna say let's do a custom date as of the cutoff date, which is 228, Feb 28. That's the cutoff date. So, of 2023. 2023, why is it in 2022? K, PASO, Porfa, Vorv. All right, so if your numbers tie out to these, then that's great. If not, then maybe it's a timing issue. If you were on before and you're off this time, then the adjustments we made were, of course, too, the new liability interest payable account we put in place as well as the interest expense account.


Good morning to all of you, very sorry for the delay, you know, for those of you who are online, they have been some glitches, but yeah, it's fixed now, everything should be fine. So, we'll begin, last class we looked at the doctrine of Christ and we looked a little bit at the work of atonement which Christ has done. So, the idea was that that would lead us into today's topic which would be the doctrine of salvation and justification. So, that's the class that we are covering today, the topic of salvation and justification. Now, what do we mean different people think of salvation differently depending on their religious background?  For some people salvation may be breaking free from the cycle of birth and death. And for many Christians, the word salvation seems to mean a free ticket to heaven without having to do anything to earn it. So, different people think of salvation differently, but what does the Bible say? How does the Bible define salvation? That's what we will look at now. If we could have someone open up for us, Romans chapter 6 verse 18 and read it out either online or here in the class, Romans 6 18. Romans chapter 6 verse 18, having been set free from sin, you became slaves of righteousness. So, salvation is first of all, deliverance from the slavery to sin. It's not talking over here about free tickets, it's talking about something much more valuable. Salvation is being delivered, being set free from slavery to sin. And salvation is also one more thing, second thing. Second Corinthians chapter 5 verses 18 to 19. Second Corinthians 5 18 to 19. Second Corinthians chapter 5 18 to 19. All this is from God who through Christ reconcealed us to himself and gave us the ministry of reconciliation. That is, in Christ God was reconciling the world to himself, not counting their trespasses against them. And interesting to us the message of reconciliation. So, the second thing which salvation is, is that you see because of what Christ did on the cross, it says in second Corinthians 5 19. It says that now because of what Christ has done, God does not count people's sins against them anymore. So, now he no longer considers us as sinners, we have been covered by the sacrifice of Jesus. So, now he wants to reconcile us with himself. Whereas earlier he used to regard us as enemies because we were in sin. Now we are no longer enemies, now we are his friends. And so now there is a personal relationship possible between God and us. So, salvation is not about a free ticket to heaven. Salvation is deliverance from slavery to sin. And even as you're getting delivered from slavery to sin, you are now entering into something new. You are entering into a personal relationship with this God who wants to reconcile us with himself. So, there are two things involved in salvation and we need to grasp this. Because all of us, we are believers and the commission that God has given us is that we should go and share the gospel with people. So, we should not be sharing some kind of a diluted meaningless gospel. We should be talking about what salvation is actually all about according to the Bible. So, we need to tell people the salvation that I'm preaching to you is not about a free ticket to heaven. It is about deliverance from bondage to sin. It is deliverance from slavery to sin and God is delivering you from slavery to sin because he wants you to enter into a personal relationship with him. That is what salvation is about. Because if you were to go to the mall and you have some of these attendants standing over there and they are giving out let us say free sashes of shampoo, some new brand of shampoo and they are giving out free sashes. Anyone can walk up to them, you ask, you say give me one of the shampoo sashes, sample sashes. They would just hand it over to you. No obligation involved. You don't have to praise their company. You don't have to make an allegiance and say, oh from now on I will only buy your products. Nothing, no obligations involved. It's free.  After you go home, if you want to go and use another brand of shampoo, no props. No loyalty needed. People tend to think of salvation like that. Salvation is not a free ticket to heaven.  That is not the biblical definition of salvation. Salvation involves loyalty. An allegiance that you are now making to this God who has sent his son and sacrificed his son on your behalf. This loyalty involved, this commitment involved. It is free. You don't have to pay anything for it. But it involves commitment, lifetime commitment. So we are delivered from slavery to sin so that we can no longer, so that we would no longer continue to be slaves to sin. But now we choose to be slaves of righteousness. We choose to enter into a personal relationship with this God and live a righteous life. That is why in Romans 6 18, which we read out just now, it says, why have you been set free from sin? You have been set free from sin so that you can become slaves to righteousness. So you still have a commitment to someone. Earlier your commitment was to the world and to sin. But now your commitment is to the Lord and it is to righteousness. So it is a free gift, but it involves loyalty and commitment. So when we talk about salvation, there are basically three, maybe three stages. I would not say stages to get saved, but three stages in the entire process of salvation. We have the initial salvation experience. That happens when we place our faith in the Lord Jesus and we say, Lord, I am repenting of my sins now. From now on, Lord, I commit to live for you to follow you.  So in that moment of salvation, you come into the family of God. So now that is your initial salvation experience. But then there's a continued salvation experience, which we go through for the rest of our earthly life, where we are undergoing a process of cleaning, cleansing, sanctification, where on a daily basis, we are choosing to cooperate with the Lord and become slaves of righteousness. So on a daily basis, we say no to the temptations of the world. We say no to sin and Satan and we say yes to the Lord. So that is called the process of sanctification. So you have the first stage of initial salvation experience. You also have the second stage of continued sanctification, which happens throughout our entire lifetime. And then the final stage will happen in heaven. When we get there, that would be glorification, where we are glorified, where one day we will receive our resurrected bodies, where one day we will be just like Christ. The same way he has a resurrected body, we also will have resurrected bodies. So this process of salvation goes on for over a lifetime. You have the initial salvation experience. Then you continue to go through sanctification every day for the rest of your life. And when you get into heaven, when you see him, you will be like him. You know, you will experience glorification at that point of time. So basically, we say that the salvation, we experience it in three stages, in three phases. Now let's dive into this topic of salvation. Let's look at some important verses regarding this. And maybe this is one class where we really should pay attention, because Jesus said to us, go into all the world and proclaim the gospel and make disciples. So this is the gospel that we should be talking about. So John chapter 16 verse 8, which talks about this whole salvation experience, which the Holy Spirit initiates. How does the Holy Spirit initiate this salvation experience for each person? That is explained in John chapter 16 verses 8 to 11. John 16, 8 to 11, if someone could read out. John chapter 16. Yeah, the person online. John chapter 16 verse 8 to 11. When he comes, he will convict the world of guilt in regard to sin and righteousness and judgment. In regard to sin, because men do not believe in me. In regard to righteousness, because I'm going to the Father where you cannot see me no longer. And in regard to judgment, because the Prince of this world now stands condemned. You know, this is a very familiar passage. Everyone knows it, but not many understand it. They don't really know what exactly the Holy Spirit is supposed to be convicting people of in the NIV. This is how it puts it in NIV. It says when he comes, he will prove the world to be wrong about three things. The Holy Spirit, in what way will he convict? He will convict the people and prove to them that they are wrong about three things. Because the people of the world are under the impression. Sin is something, you know, if you do something very terrible, then you would call that sin. For instance, if I were to go and stab somebody, that would be a sin. On the other hand, if I'm just simply living a normal average life, they would say, Oh, I'm not living a sinful life. So they have a wrong idea about sin. So the first thing which the Holy Spirit convicts people about is that if you do not believe that Jesus is the only way to the Father, it is sin. Because that's what it says over here about sin because people do not believe in me. So the first thing which the Holy Spirit convicts people of that, if they have not believed Jesus as being the only way to the Father, it is automatically sin. You're automatically a sinner. The only way you will come from that sinner stage into the saved believer stage is if you believe in this Jesus and accept that he is the only way to the Father. So that's the first fundamental thing which the Holy Spirit convicts people of. The second thing which the Holy Spirit convicts people about is about righteousness. So people have the idea that if they do a lot of good deeds, if they give money to the churches and temples and mosques, if they give food to the poor, if they do these things, then they will be declared righteous is what they think. But what scripture teaches is that here in Western, it says about righteousness because I am going to the Father where you can see me no longer. Jesus is basically saying, I will go to the Father carrying my sacrificial blood and when I do that, God will accept it as an acceptable atoning sacrifice and so the people sins will be forgiven and whoever believes in me, they will be declared as atoned for, they will be declared as being saved. So righteousness is not going to be attained by doing good works. So the second thing which the Holy Spirit convicts people of is that however many good works you may do, it is not enough, it is not sufficient. You have to place your belief in this Jesus because he takes his sacrificial blood into the Father's presence and God the Father accepts that sacrifice alone as being enough to wipe away your sins and declare you righteous. So this is the second thing which the Holy Spirit convicts people about. The third thing which the Holy Spirit convicts people about is regarding judgment. So in verse 11 it says and about judgment because the Prince of this world now stands condemned. So why did Jesus come into this world to fight Satan on our behalf and to gain victory on our behalf. So Jesus became sin for us, he sacrificed himself for us but sin could not hold him down because he personally had never committed any sin. So sin could not hold him, death could not hold him. He did that sacrifice on our behalf but sin could not hold him down the way it used to hold us down. So he was able to defeat Satan and declare victory for all of us. So Satan now stands condemned.  In the same way Satan has been declared condemned. Anyone who chooses to continue staying under Satan, under the control of the spirit of the air is how it says in one of the epistels. So anyone who chooses to continue staying under the rule of Satan will be condemned along with him. So the Holy Spirit convicts people about judgment that if they choose to stay in the kingdom of darkness they will end up in hell condemned the same way the Prince of the air is going to stand condemned. So these are the three things that the Holy Spirit convicts people of. But there's a vital another point attached to this. Let's look at Romans chapter 10 verse 14. Romans 10, 14 if someone could read out. Romans 10 verse 14. How then can they call on the one they have not believed in and how can they believe in the one of whom they have not heard and how can they hear without someone preaching to them? No, exactly. Such a practical point. Of course in Romans 10, 14 the context is slightly different. But look at the words that are being spoken over here. Very, very practical point. Unless someone tells them about these things, how will they even know? Unless someone goes and preaches these things to them, how will the Holy Spirit convict them? If someone is standing over there and faithfully conveying this true gospel message to the people, then the Holy Spirit can do his work of conviction inside them. On the other hand, if the basic evangelist stands over there and says, come to Jesus, all your problems will be solved. Come to Jesus and your sicknesses will be healed. What the evangelist is saying is true, very, very true. Jesus does help us in our trials and difficulties. He does heal us from our sicknesses.  Will anybody say no? Of course, everyone wants that free offer. But salvation is not like a free sachet. There's a commitment involved. There are spiritual principles involved. People need to understand that Jesus is the only way to heaven. They need to understand that righteousness is going to be acquired only by placing their faith in him and submitting their life to him. People need to know that if they continue living the way they do and just simply bow down to Jesus once in a while, they're still under judgment. And in the same way, Satan is going to be judged one day. They too will be judged. These are important vital things which the evangelist should be sharing with the people. If he doesn't even share these facts with the people, how will the Holy Spirit do His work on the inside and convict the people of these things? Because even as the humble evangelist is just standing over there using ordinary words and expressing these things in detail, the Holy Spirit will divinely do His work inside people's hearts and convict them and help them to realize that what they had been thinking so far is all wrong. And this is the truth. It's high time that we in the Christian community start preaching the true gospel of God, the complete salvation message of God. We are promoting Jesus the way people promote products, the way people promote cameras and shoes and clothes.   No, we are talking about people being delivered from slavery to sin and entering into a personal relationship with Jesus. That is what salvation is offering. And if people don't realize that, they'll think, oh, I just have to, you know, add Jesus to my collection of God. And yeah, he'll take care of my eternity. No, so you see, it's very serious thing. So we need to preach the true gospel so that the Holy Spirit can do His work of conviction on the inside, even as we are sharing with people. Ephesians chapter 2 verses 8 to 9, another important principle regarding salvation. Ephesians chapter 2 verses 8 to 9. Ephesians chapter 2 verse 8 to 9. For it is by grace you have been saved through faith. And this is not for yourself. It is the gift of God, not by the works so that no one can boast. Yeah. So if a person, let us say, is sitting in a gospel meeting and the preacher is preaching about salvation, even as the person on the stage is preaching, the Holy Spirit convicts this person on the inside, helps them to understand that what is being told is the truth. He opens up the mind of the person and helps him to understand the things which are being told. The person may not understand all the details properly, but the Holy Spirit was working on the inside of that person, helps them to understand that whatever is being said is true and they need to accept it. So anyone who becomes open to what the Holy Spirit is doing inside and they start to respond to such people, the Holy Spirit gives them this beautiful gift of faith so that they can take that final step and open their mouth and say, Yes, Lord, I believe in you. I believe you're the only way to the Father. I believe that the sacrifice which you have done is sufficient to cleanse all my sins. And yes, Lord, I want to follow you. So the Holy Spirit gives that person that gift of faith and then that person is able to open their mouth and confess Jesus and accept him. So no person can boast and say, I had such great faith that you know what? I was able to believe in Jesus. Nobody from my family accepted it, but I had the faith required to believe in Jesus. No one can boast that because that gift of faith is given by the Holy Spirit himself. Only God can give you that gift. So that is why it says in Ephesians 2, 8 to 9, for it is by grace you have been saved. This is not something that you achieved on your own. It's a free thing which was given to you. In fact, it says even that faith which you had to place in Jesus, that didn't come from your own self. It is the Holy Spirit who helped you to believe. So the Holy Spirit will do His work and what He wants us from us is that we should partner with Him faithfully instead of preaching diluted salvation messages in which the Salvation Gospel is not even real. If we can sincerely do our little part, the Holy Spirit will do the rest of it. He will convict the people of sin, righteousness and judgment. He is the one who will give them the gift of faith that they need to confess Jesus. He will bring them into a true relationship with Him where they actually have been delivered from the bondage and slavery to sin and have actually entered into a relationship with God. Sadly today we have a lot of fake Christians who think that they have become Christians just because they set a Salvation Prayer or just because they got healed. They think that they are saved but they are not saved because nobody even told them the true Gospel message. So we who know the truth must share it sincerely and even as we are doing our part and partnering with the Lord, the Lord will do His part. He will save the people. It's something that we can never do on our own. Our part is to faithfully share the Gospel the way the evangelists and preachers of the early church did. Paul says, you know, he in fact boasts about it.  They use fine, fine sounding words. He says this to the Corinthian believers. He says they use all kinds of big words to convince you, but I have decided I'm going to preach only the cross of Christ and nothing else. So that simple message if we can deliver it in a sincere way and do our part, the Holy Spirit will do His part and bring people into the Kingdom and they will be genuine believers. So they will genuinely start living in victory. They will genuinely have a passion to go and start sharing about Jesus with others instead of having a whole bunch of fake Christians who are warming the seats because they don't even know what the actual salvation message is. So we need to do our part sincerely. So we have talked a little bit about what salvation is not. Let's look at Matthew chapter 11, 20 to 30. It's actually a very, very familiar passage. This is the passage, you know, where Jesus says, come to me all you who are weary and heavy laden. So this is the passage where Jesus talks about that and many don't realize this is Jesus' formal salvation invitation to the people. So if, you know, if Jesus were giving a salvation message, this is basically how He would give it. So Matthew chapter 11, we don't, we won't read the entire thing but just for us to get a clearer context, verse 20 would give us a clearer picture because you see in verse 20 onwards Jesus begins to denounce the towns which have refused to believe in His miracles and repent of their sins. So he says, you know, I have done so many miracles among these people. In spite of seeing all of these miracles, these people are still not believing in me and they're still not repenting of their sins. So he criticizes them, he condemns them for not repenting and he says the judgment against them will be very, very great because in the Old Testament times, the people did not get to see the miracles of Jesus. So maybe the judgment upon them will be lesser but these people who with their own eyes have seen dead people being raised who have seen blind people actually getting back their sight in a moment who have seen such things and are still refusing to repent of their sins. You know, Jesus condemns them and he speaks against them. He says the judgment against them will be very, very great and then in that same context, he comes to these words which we are so familiar with. So if we could have someone read out verses 28 to 30, Matthew 11, 28 to 30. Come to me all you who labor and a heavy laden and I will give you rest. Take my yoke upon you and learn from me for I am gentle and lowly in heart and you will find rest for your souls. For my yoke is easy and my burden is light. So there are three main things that we see over here. First, Jesus is saying, come to me all you who are weary and burdened and I will give you rest. So you've been trying to live life in your own way. You've been trying to do the best that you can do but you know that you are sinful. You know that whatever you're achieving will have some benefits here on the earth. But what about your eternity? What about your future?  So Jesus's invitation is to everyone who is tired of trying to live in the way the world is living and not being able to achieve that peace, that joy, that contentment, that victory over sinfulness. You know, anyone who's tired and fed up of trying so hard and not being able to achieve those things, Jesus is saying to them come to me, I can show you a new way of life and then you will actually feel rest. You'll find deep rest and contentment for your souls. That's the salvation invitation which he gives to them. What's the second thing which he says? He says, take my yoke upon you and learn from me. So if you want to enjoy this rest, if you want to enjoy this new way of living then there's only one way. You have to take my yoke upon you and start learning from me.  That will not give you the rest for your soul which you are seeking. You have to take up my yoke upon you and start learning from me. There's no shortcut. You have to take up my yoke and start learning from me but he gives an assurance, something very beautiful he says but I'm gentle and humble in heart. So don't be scared. I'm not a very tough teacher. I'm not a very strict teacher. I know you. I know your weaknesses. I know your limitations. So I'm gentle and humble in spirit and I will teach you in a way that you will be able to handle and I will help you to grow and you will be able to start enjoying this new life that I'm leading you into. So that is the second part of the salvation message where he says you've got to take my yoke upon you and learn from me. There is no other shortcut, but I'll be there. I'm gentle and humble and I will help you to learn and you will be able to start enjoying this new life that I'm giving. So he says, the third portion he says my yoke is easy and my burden is light because it's through the power of the Holy Spirit that we live this Christian life on our own. It's impossible. I mean, can we ever forgive anybody on our own? It's by the power of the Holy Spirit that we forgive. Can we ever sacrificially love anyone and help them? No. I mean, it's through the power of the Holy Spirit that he enables us to love generously and help generously. So Jesus is saying my demands are very, very high, but it's an easy yoke. It's a light burden because I will enable you. My Holy Spirit will enable you. It will not happen by might or by power, but by my spirit you will be able to lead victorious lives. So that's the assurance that he gives. Now this is not a very good advertisement when it comes to promoting brands, but this is a simple salvation message which is offering rest to people who are hungry, people who are tired, people who have been trying so hard and they have not succeeded. So this is what Jesus is offering people. So if you notice, one of the key factors mentioned over here is that the person has to take up Jesus' yoke and start learning from him. Jesus, I know, he mentions it in a different way in the Gospels. For instance, Luke 9.23, if someone could read out, Luke 9.23, and he said to all, if anyone would come after me, let him deny himself and take up his cross daily and follow me. Could you just read out that once more? Just once more, yeah, same thing. And he said to all, if anyone would come after me, let him deny himself and take up his cross daily and follow me. Yes, so in that version, it says, let him take up his cross and follow me. NIV is rather plain about it. It says, whoever wants to be my disciple, must deny themselves and take up their cross. No shortcut. You've got to take up his yoke. You've got to take up his cross, not just once a month, not just on Sundays.  You've got to take up the yoke which I'm giving and follow me, sacrificing whatever needs to be sacrificed, obeying and submitting regarding whatever I'm asking you to do. So if you do that, then such people alone will be my disciples. So this is very, very different from going to the mall and collecting a free sachet. Very different, alright. So just for us to give one final point to this thought, which we have been going through up to now, Matthew chapter 22 verses 1 to 14, that's a parable about the king who throws a banquet for the guests. So he first of all, we are very familiar with that story. So if you were to go to Matthew 22 verses 1 to 14, the king is inviting all the VIPs, the people who are special chosen ones, he invites them, he gives them special invitations to the banquet. But the VIPs are not interested in coming. So they all make excuses. In fact, they make very lame excuses for why they can't come. So they all back out. And then the king says, no props, the VIPs are not interested. I will open the invitation to everybody. And he says, gather all the people that you can find on the roads, tell them the invitation is open and they can come for the banquet. And then he says, if enough people have not come, go even into the side roads, where you'll probably have the outcasts, the beggars, the really poor, the ones who can't be in the main highways and the main roads. So go even into those remote places, bring even those people, give the invitation even to them. So the invitation is now open to everyone. The qualification is not that you should be good only, then you can come, you can be good or bad. You can be a thief or you can be a good person. You can be whatever, everyone is invited. The invitation is open now to everybody. Now we know how do we, I mean, what is the meaning that Jesus was trying to bring out? He was basically saying, have come to the Jewish people first and the Jewish people are rejecting me. They are saying that they do not want to believe in me. So no problem. I'll open it up to the Gentiles. So that's the meaning which Jesus tries to bring out from the parable. The point is that you can be any kind of a Gentile. You can be a good Gentile, a bad Gentile. Invitation is open to everybody. And then when people come over there, there's only one condition being laid on them. Please wear the wedding robe because you can't be in this banquet in the condition that you are in. You might have been the most rotten person on earth. No problem. But now that you have come here, time to change your clothes. So now you will have to put on the wedding robe. So it doesn't matter what your past has been. You may have been the murderer. No problem. You are also invited. But once you come to the banquet, one condition. You got to wear the wedding robe. You got to give up whatever life you had before. Give it up. Wear the wedding robe. And you have one guy who comes over there to the banquet and he chooses not to wear the wedding robe. So what happens to him? Maybe we can read out those particular verses. Matthew 22, 13 and 14. Matthew 22, 13 and 14. Then the king told the attendants, can I read from verse 13 or verse 12, ma'am? All right. If you want to read from verse 12, that's fine. Matthew 22, 12, 14. Sure. Okay. Let me go from verse 11. So it's a full thing. Verse 11. But when the king came to see the guest, he noticed the man who was not wearing wedding clothes. Friend, he asked, how did you get in here without wedding clothes? The man was speechless. Then the king told the attendants, tie him hand and foot and throw him outside into the darkness where there will be weeping and gashing of feet. For many were invited but few are chosen. Okay. Many are invited. The invitation is open to everyone. No matter how rotten you are, invitation is open to everyone. But there's a condition attached.  If you refuse to fulfill that condition, you are out. So in the parable, the king in fact says to that person in a very friendly way, he says, friend, how did you get in here without the wedding robe? And it says the man was speechless. He could not come up with any excuses. So that's the point. Jesus Christ has done, made the ultimate sacrifice. He's made the way to the father. And you don't have to pay anything, you know, to enjoy this. To be delivered from the slavery to sin and to have a personal relationship with the king of kings. You don't have to pay anything. You don't have to earn. You don't have to put in any effort and earn that privilege. It's free. But you got to be willing to take up his yoke. Because that's the only way you're going to enjoy the rest which he's offering. The whole point of offering salvation to people is so that they can have rest. And if you don't want that rest, then, you know, it's something that you're consciously choosing from your side to reject. So in the same way this person was thrown out of the wedding banquet, Jesus uses the parable to indirectly tell this Jewish people, you know, what you're doing is very dangerous. You think that by rejecting me, you know, you're holding on to your high status.  So you may be thinking that, but Jesus is saying what you're doing is very dangerous. You know, you by rejecting this invitation, what you're doing is you're harming your eternity is what Jesus wants to bring out through that parable. So we have seen that true conversion and actual true salvation experience will involve two things. It does involve faith in Jesus Christ, but it also involves repentance. So there are two things which are absolutely necessary for you to have a true salvation experience. You must have faith in Jesus, but you must also repent. Let's look at the first point, you know, faith in Jesus because a lot of teachings are going around on YouTube. People of different religions, they talk about how you need to be mindful about the way you live. They talk about how you need to cleanse your spirit and think clean, good thoughts. They talk about how you need to give up corruption and put other people's interests first. They're talking about very nice things. So there are many nice ways in which you can repent, but all those nice ways of repenting are not pointing towards Christ.   So all kinds of repentance are being preached, but only one repentance will work. The repentance which points in the direction of Christ. So repenting is not enough. You have to repent and then place your faith in Jesus alone. Only then the repentance is complete. Simply repenting and going and sitting in the Himalayas and meditating will not help. Simply repenting and going and giving all your money and to the poor will not help. So repenting is a nice thing, but it's only half. You've got to repent and put your faith in Jesus. Then the salvation is complete. So how do you put your faith in Jesus? Two things. First, you have to believe the facts about Jesus. It's as simple as that. So in John 14, 6, Jesus says, I am the way, the truth and the life. No one comes to the Father except through me. So you've got to accept the fact that Jesus has died on the cross for us. You've got to accept the fact that if you place your faith in Him, He will take you to the Father. So you accept the facts. So faith when it comes to believing in the facts, but also there's another aspect of faith. This is a more personal aspect of faith. Where you're saying, Lord, now I'm completely placing my life in your hands.  I'm going to take up your cross and start following you.  Make my life bless me.  You're thinking, oh my, I have to give up so many things. How will I give up those things? How will I live? How will I manage? But in spite of all your doubts, you're saying, Lord, you're trustworthy. If you died on the cross for me, definitely I can trust you. So Lord, even though what you're asking of me is difficult, you're saying that I will have to take up my cross and follow you every day, but you said that you're gentle and humble in spirit. So Lord, I'm just trusting you. My entire life, all my hopes and dreams, everything, I'm placing it now in your hands, Lord. So there's a personal aspect to faith, like we've covered in the other classes. The demons also believe in Jesus. They believe that he's the Son of God. They have no doubt in their mind about it. So they believe the facts, but they don't believe and trust him to the extent way they were willing to place themselves under him. So they chose to rebel against him in the heavens. So faith involves two things. Simply intellectually believing things about what is said in the Bible is good, but not enough. Faith also involves us placing ourselves in his hands completely, trusting him to that extent and saying, okay, from now on I will not live my way. I will live your way. So just repenting of your sins is not enough. We choose to also make this very personal faith commitment in Jesus. That is important. So what do we mean when we say, you know, repent? Because Jesus went from town to town saying, repent because the kingdom of God is near. Because the kingdom of God is at hand. So what did he mean when he was telling people to repent?  Let's look at Matthew chapter. Okay. Basically we can just say that repentance is a godly sorrow. I've put on that verse somewhere, but not here. Okay, we'll get to it later then. All right, fine. For now let's say, you know, it's enough for us to know that repentance is a godly sorrow about the way you have lived so far. You know, you're ashamed of the way you have lived so far. You admit that whatever you have done is sinful in God's eyes. You may not have murdered anyone. You might not have robbed the bank. You might not have committed adultery. You might not have done those things, but whatever you have done, you are convicted of it. And now you genuinely feel ashamed about it. You genuinely have a godly sorrow about it and you think, oh, I wish I had not lived in that way. So repentance will involve a godly sorrow. Because what happens is this idea that repentance is crying a lot. Because this happens sometimes in our gospel meetings. People sit over there and they cry. They get very emotional. They cry a lot and the next day they're back to their old ways. So just simply emotion alone is not going to help. It has to be a godly sorrow that, oh, I have lived in such a terrible way. From now on I choose to give up this Lord. Help me. I don't want to go back to this anymore. So there has to be a godly sorrow and a real alteration on the inside. Where you're saying, I really don't want to go back to that horrible way of life Lord. Now on Lord, I want to follow you. Help me. I'm reaching out to you. Be my savior and he will be your savior. So repentance is not just getting emotional and crying a lot. Repentance, true repentance is where something happens on the inside where you decide enough is enough. No more of the old life from now on Lord, I choose to follow you. That would be true repentance. So we are kind of looking at what salvation actually involves. So we are looking at different aspects of that. So we will go on next to talk about the new birth. We have already spoken about it to an extent in our doctrine of humanity class. So it will be easier for us to grasp those things. So we will do that after we come back from the break. Thank you.


From VOA Learning English, this is the Economics Report. The United Nations is warning that the world is not prepared to deal with the fast growth of cities. The World Economic and Social Survey 2013 calls for new ways to meet the needs of city populations. More than 6.5 billion people are expected to be living in cities by 2050. Most new city dwellers will be in developing countries. The United Nations says the effect on limited resources in many countries will be huge. The World Economic and Social Survey notes the increasing demands for energy, water, sanitation, public services, education, and health care. The world population is expected to rise to more than 9 billion by 2050. Two-thirds of all people are expected to live in cities. The United Nations says about 80 percent of this growing urban population will be found in Africa and Asia. The report says sustainable development of urban areas requires coordination and investments to deal with important issues. Cities include land use, food security, job creation, and transportation. William Vandergeest is with the United Nations Department of Economic and Social Affairs. He says cities need to work closely with rural communities so that food supplies can be secured and the environment can be protected. The report also examines the problem of food insecurity, which affects hundreds of millions of people around the world. One in eight people is still chronically undernourished. The Assistant Secretary General for Economic Development, Shamshad Akhtar, says world food production will have to increase by 70 percent. That increase will be needed to feed the additional 2.3 billion people expected on the planet by the middle of the century. For VOA Learning English, I'm Carolyn Presuti.


As part of measures to find durable solutions to humanitarian response in Nigeria, the federal government, United Nations agencies, development partners and ambassadors have restated their commitment towards a coordinated approach and pledged to raise five billion dollars annually for the nation's humanitarian and poverty alleviation trust fund. This was the outcome of the first humanitarian coordination meeting by Minister for Humanitarian Affairs and Poverty Alleviation Dr. Betayidu with other stakeholders in Abuja on their commitment to crisis in Nigeria. The meeting brought all the humanitarian responders in Nigeria under one roof where they all committed to a durable, smart and coordinated approach to humanitarian responses. It would be, of course, going forward having government as the lead, coordinating all the humanitarian response in Nigeria, it would also be hashing on fully, getting commitments from the federal government, from private sector, all the UN agencies, partners on their contribution to the humanitarian and poverty alleviation trust fund. We've agreed on a quarterly meeting, we've agreed on a joint assessment of the humanitarian crisis across the country early next year and then we're looking forward to the African Humanitarian Summit next year where we'll be bringing together all the key players in the humanitarian sector around the world and this will be a follow-up to the World Humanitarian Summit which held in Istanbul in 2016. On this part, United Nations resident and humanitarian coordinator in Nigeria, Mathias Shimali, who spoke on behalf of UN agencies expressed absolute support to the government of Nigeria in its efforts to tackle humanitarian challenges facing the country. Similarly, the ambassador of Malaysia, Norway and United Arab Emirates among other ambassadors committed to supporting Nigeria in a more strategic way to address humanitarian crisis in Nigeria. We have been waiting for stronger leadership in the government on humanitarian affairs and poverty alleviation and I think the minister set out very clearly what the expectations of government are and on behalf of the UN I can say we stand ready to play. We need to deliver together for the benefit of vulnerable people in this country. So as the minister said in the meeting we can do this together which means better coordination, better accountability and at the end of the day results for people in need of humanitarian assistance and we're needing to reduce poverty. A lot, we would begin to see results, properly recorded results, properly coordinated response across the country and then new areas that we did not have interventions and put on ground in time pass will begin to see that happen as we go forward. We also mentioned today the Northwest humanitarian operation response plan. This is the first of its kind for the Northwest. We've had a lot on the Northeast now we're including the Northwest and then of course Benua, Sistit and other flashpoints in Nigeria.


Hey guys, it's Nate, AKA The Foot Account, and welcome back to the channel. We're talking the new icons that were released today. We got all three versions of the 11, so far released new icons in FIFA 21. We got those versions today. I don't actually know if they were supposed to be released because EA put some tweets out and I think they deleted them and honestly felt like today whoever had these ratings, whoever was posting these tweets on social media websites was early and they weren't actually supposed to be putting all of these ratings out today, but we did get a lot of ratings confirmed. We got to see a lot of the mid, the baby, and the prime versions of multiple icons today. And I wanna talk you through some of the price predictions that I have for these because I wanna relate what these cards you're seeing and can relate them to how they might be priced on the foot market in the first couple of months. Maybe it's your goal to get Cantona or to get Puskas or Eto in your squad. I wanna try to get you a ballpark range of what those cards might be pricing because obviously we have a different meta every year in FIFA, icons are very rare and they're hard to pack and we don't still, we aren't confirmed whether or not it's going to be just babies and middle icons and packs right away or if we're gonna have all three versions in packs right away, nothing on that note is confirmed but I'm gonna be going based off of what happened last year with the babies and middles being in packs right away. I think that's gonna happen again personally, but we'll see. So, let's take it from the top. The king, Eric Cantona, with some pretty decent looking cards right here. If you look at his statistics, a lot of it, high 80s and a lot of 90s. He has over 90 physical on all three of his items. And obviously if you kinda compare, one thing that I was doing was just a little bit ago, I was comparing this new set of icons, these 11 new icons right here. I was comparing it to last year's new set and I was kinda thinking, I feel like last year's new set might have had a little bit more hype than this year's. I mean Zidane, he's bigger than Cantona. Dragba, I would say I would almost argue that he's bigger than Fernando Torres or right on that level with him. You know, other big names that are in here, Pep Guardiola's a big name, kind of for the manager sense. Balglish, Essian, Zambrata. I mean, Pirlo, how could I forget about Pirlo? There's some big names in here. Now don't get me wrong, there's some big names that are being released this year as well. Ashley Cole, Etoe, but a lot of these FIFA 21 icons that are getting released are more, you know, they have a little bit more FIFA hype to them. Etoe for his past cards in earlier FIFAs. Same thing with Fernando Torres with LAM especially, Schweinsteiger, even Sucer having an icon card when they were legends back in the earlier days on the Xbox. Ashley Cole with some special cards in FIFA. Now we're getting to a stage of the game where a lot of these icons have actually been in FIFA before, whereas, you know, some of these other guys from the previous years may not have been. So that's just kind of something to kind of talk about a little bit. A lot of these guys were in previous foots too, but not as many as I feel like we're getting now with the new icons that are getting released. Just that's how time is going because time is continuing to pass. So speaking of Cantonah, why don't believe us ever had a foot card before. I could be wrong on that one, but I don't think he's had a foot card item before. Baby rated 88 center forward. These are all center forward cards. So you're going to see French center forward when you start to pack one of these this year. The big thing with Cantonah is going to be his dribbling statistics. I feel like this guy is going to be kind of clunky in game. And I feel like he's going to be very similar to what this Zedan card was last year with except being a little bit more attacking. Now, in terms of a price for like the baby or for the middle Cantonah, I'm honestly feeling somewhere around like the 1.7 to 2.5 mil range early on in the first couple of months for the baby version. And then maybe for the middle, we go a little bit higher. It probably just depends on how people value that pace, right? Because he's got a minus two pace from the baby to the middle, a bit higher in the shot, a bit higher everywhere else, but the pace is higher on the baby. So I feel like the baby in the middle will be right around the same price. Somewhere around the 2 million coin range is where I would feel Cantonah goes off the bat. Going through Javi, I'm not even going to spend a lot of time talking about Javi.  It's really dope. But this is basically Pierlo 2.0 from last year. And I don't think this card's ever going to get really over like maybe his prime card starts out of a million coins day one, but I don't feel like any of these versions are going to be over a million coins at all during foot. He's not going to be that expensive just because he doesn't fit the meta, right? This prime card is the closest thing to fitting the meta. The baby is okay with 81 pace, but I don't think a card like this just really doesn't fit into the FIFA scheme yet. Maybe it does this year in FIFA 21. We shall see. Vidditch, this is an interesting one because this is almost a mirror replica of Rio Ferdinand 85, 88 and 90. Same ratings as Rio. And we have the same thing going on with the baby middle and prime. Baby card, 77 pace. Then we go to the middle, 70 pace. This baby is going to be definitely more expensive than the 88 center back middle version because of the pace and pace alone plus seven pace above that middle. Even though the defense and physical are lower, they're still high enough to make this card probably going to be somewhere around the 500, 600K range. Maybe probably 500, 600K range. I would expect Rio here. You can see it was like 600 to 700K. I would expect Vidditch to be a little bit cheaper than Rio just because he doesn't have those English links. I know he's an icon. He gets chemistry to everybody, but I think Rio has a little bit more hype than what Vidditch would have in FIFA per se. So I would expect this to be like a 500, 600K guard right out of the bat. Not a bad center back though at all. One thing I will mention with all of these cards today and I'm going to mention it a few times as I go throughout this, especially with Cantona. Whatever they give them for work rates and skill move and weak foot, that matters a ton for these cards because as we're going to talk about in some of these later icons, a lot of these cards have had three star weak foots in the past and if they have a three star weak foot, that's not going to draw a lot of hype to them. Schweinsteiger again is probably going to be one of those icons who has a little bit of hype at the beginning, but then just isn't going to be that usable for the rest of the game. I would not expect these cards to be going for more than 500, 600,000 coins at max, honestly, as a holding price for most of the year just because he just doesn't fit the meta once again, which has been unfortunate. The left mid card's kind of cool. The Prime I feel like will be the most used out of all these. Maybe the left mid would be used earlier on because he's got a lot less in the defensive category, but maybe it's like a box to box midfielder, position change in game. He could be pretty solid right there. Moving on to the next set. Pettichek, he's a goalkeeper, enough said. Only two versions with the helmet though. The Prime Pettichek better have a helmet, man. All right, we have the helmet, we have the hat, and it looks like we have one version without a helmet, so hopefully that Prime Moments check does have the helmet. We'll see. Ashley Cole, again, probably not going to be that expensive as well. Another left back added to the mix. It's nice to have these English links on the left side. Maybe Marcus Rashford get some special left mid versions this year, or some others midfielders from the English nationality. You get some solid links with this card. I feel like he got kind of hard done by with his ratings. Again, the baby card's going to be useful because of that 91 pace, but the Prime again is where I think his best version is in terms of pace and then just all around play. I don't expect this card to be more than just like two, 300,000 coins to be completely honest with you. Maybe a little bit more at the start. Unless he becomes super duper meta, I don't expect him to be very, be pricey in this game by any means. So Care is a very interesting one. This one for me just fits into a roll on FIFA where there's already so many icons that have this sort of build, right? Probably going to be four star, four star, which is good, but I feel like he's just kind of kind of being one of those middle of the pack, just okay icon strikers that maybe his Prime version as the 90 rated, which honestly, if I'm picking a version out of any of these, I like the middle. It's got the 86 pace. The pace is basically the same on all these. The shot is basically the same. These cards are almost identical across the board. So, you know, I would expect this guy to be around a million coins to start off with. New icon, Croatian links is kind of interesting. It's our first ever, what's our first Croatian or only Croatian icon that'll be in the game.  Just because, again, this one depends on the weak foot and the skill moves for sure. Hopefully he's four star, four star. That would make him usable. And hopefully that dribbling and the agility balance can be a bit higher on some of these. That would help him a lot as well. But I don't think he's super duper hyped in terms of a lot of people wanting to go after him. Here's a striker that might have a little bit more hype. I would compare this guy to drug butt. This would be more of a drug butt comparison for me in terms of the player that drug butt was in FIFA. He was four star, four star. I was looking back at some of the old special cards for some of these guys. Fernando Torres was a three star skill, four star weak foot player for a long time. I think FIFA 13, he had a man of the match and he was four star, four star back in some of the older FIFAs. So I would go to assume, and honestly there's one special card that I saw. Yes, right here. If you look at Fernando Torres' dynamic image on this man of the match, Euro's card, it's almost the exact same as his prime. So that is almost the exact same image with the headband and with the hair parted in the middle and slipped. I feel like this card should be four star, four star. And if they do that, they'll make all of them four star, four star, I believe. That would be good. The baby Fernando Torres to me looks almost unusable. I don't think he's gonna get used that much, even as a four star, four star as an icon. I mean, Anthony Martial's card is better than that. And he's gonna be a rare gold, 84 rated. That's gonna be a discard icon very soon. Then we get to the middle card. This one's gonna be interesting because again, I kind of compared him to Drogba. But I feel like he has a bit more hype than Drogba with more pace and better shot. Like this is just gonna be a finisher around the box. He's got over 90 pace where Drogba doesn't. Drogba was still 1.5 million coins early on. I feel like that's a decent range for Fernando Torres somewhere between like 1.34, maybe 1.5 closer to two mil a little bit. As we, maybe the market does rise a little bit towards Black Friday or Christmastime. But then when the prime comes out, this one I think will be the card that a lot of people do wanna go for. And I think it'll be closer to the upper range of maybe around two mil to start off with, but then dropping down a little bit after that. But again, he's gotta be four star, four star. If it's gonna be a usable icon in Fernando Torres. Let's move on to the last three, because these are the ones where we have a lot of things to talk about. Puskas, this is gonna be the most expensive icon in this set of new cards.  He's going to be overpowered. He's going to be very, very good in FIFA Ultimate Team. Why? You might ask. All right, so when I see this card, I think of Cruyff, right? And we go and look at Cruyff. Cruyff has some similar stats to this. If we look at all of his versions, right? He's got the 90 dribbling. His agility balance is pretty high. The balance is actually kind of low on Cruyff. Cruyff is expensive though, because he has the five star, five star. And you look at his cards throughout the year. His baby started at one seven and really fit the meta this year. Went up to 2.8 mil in the course of the year. When this card was in packs and then he went out of packs, came down for team of the year and then went back up and was expensive until team of the season, right? I think this baby Puskas card, 89 rated, he's gonna follow a lot of similar trends as Cruyff. If he has the five star, five star, I see him being very similarly priced to Cruyff, probably around the 1.5 to two mil range earlier on. Maybe even rising higher above that as we get into the game and people figure out he's meta. But again, I stress, he's gotta have a five star weak foot and four star skills at least to be very, very OP and very meta. If he is four star, four star, I guess it's possible that he could be meta but that five star weak foot is huge, especially for the elite tier meta cards in this game. And I just feel that this guy with his player build is gonna be very meta. Puskas is a five foot eight, right? That is perfect for another meta icon that we saw last year that really exploded under the scene, Dalglish, right? Dalglish, I think it's like five, nine or five, eight as well. You might even be shorter than that. I think Butra Gweno is five, six. That's the short guy I'm getting confused with. But with this Puskas card, if the meta is the same in FIFA 21, that it was in FIFA 20, which I think that it's gonna be similar to, of course, with less time, COVID, the stuff that they've been doing with FIFA 21 and what it looks like, still the same meta is going to apply in some sense. I still think this Puskas card's gonna be very, very OP with that baby card having the 90 pace, doesn't have a little bit more, maybe hype, then the middle card, the middle card with a plus five passing is big, plus four physical, so that's pretty big, and only 89 pace. If this middle card had 90 paces, well, that'd be crazy. But I think the baby and middle are gonna be pretty much closely priced, kind of like Cruyff's baby and middle. I think the middle Cruyff was maybe a little bit more expensive than the baby. Yeah, he's about 300,000 coins more expensive than the baby start of the game. And I feel like that would be the case here, just because you'd be paying for a shot upgrade and the pass upgrade, because this guy would be a great center forward or center attacking mid. But I think this guy's gonna be kind of expensive, man. I think he's gonna be close to 2 million coins off the rip, possibly rising to even more if people do realize that he's super meta and if he does actually become really meta this year. All right, let's move on to arguably, I would say the number one most hyped up and the card that has the most hype and the one that people wanna know about the most, that is Samuel Etto. How much is Samuel Etto gonna cost?  I'm telling you that right now, that is the version that everybody is gonna want to use. And again, just like we looked at in times past, what was Etto and yours pass in terms of skill moves and weak foot? Four star skills in years past and a three star weak foot. And even if we go back to like the FIFA 12 days, he was still there with a four star, four star. We need EA sports, I beg. This card has to be four star weak foot, four star skills in order for it to be good and in order for it to be usable in FIFA Ultimate Team. It has to be. If this is not four star, four star, that's gonna be a big disappointment for a lot of people. I love the dynamic image on this middle Etto. I think it's the best image out of all three cards. But I think the baby is gonna get used the most. And this kind of reminds me of like a baby Butcher Gweno type situation right here. Now I know Butcher only has the three star skills. He's got the five star weak foot. He's five foot six and I know that Etto is five foot 11. But I think this Etto card's gonna be pretty good this year. I just feel like he doesn't have the highest physical. He's got the pace though, and he's got the hype. And I feel like his player build just might be meta enough. Even though he's not super duper short, I feel like he should be able to turn pretty quickly on the ball. Maybe if I can find some in game stats for this Etto right here with 92 dribbling. He had 90 agility and 86 balance. So that bodes well for an icon card of Etto with 86 dribbling. I would expect high 80s agility, high 80s balance to start off the year. And then with the prime card, definitely getting into the 90s with both of those stats. Hopefully this card has four star, four star. And Etto is probably gonna be around the price range. In my opinion, I think this guy is gonna be around like the 1.5 mil range at the very most. I could see anywhere from like 1.1 to like 1.5, maybe even closer to two mil off the bat, but then dipping down a little bit. I mean, how much was this baby butcher last year at the start of the game? He was only 607 or a K, but then he rose to 1.1 mil and he wasn't a new icon last year. So I feel like this guy is gonna be somewhere around over a mil for sure, just cause the hype that he has right around 1.5 mil for both of these versions. But I think the baby is gonna be more expensive. And again, we pray, for that four star, four star. All right, last guy, Phillip Lom. This one's interesting because just the vast variety of places you're gonna be able to play this dude, left back, right back, CDM with his three different positions. The physicality stat is the one that sticks out the most to me here. His right back card kind of reminds me of a Zanetti with less physical. Same thing with the left back. I don't think those ones are gonna get used as much. The right back Lom might be used as like a five back starting formation, moved in game for chemistry. But then the CDM one is gonna be the one that I'm curious about. And I think Lom's gonna be good this year in foot because he's also kind of like the short meta, right? This guy kind of reminds me of like a Conte, man. I know he doesn't have as good a stats as what a Conte would in terms of like physicality and stuff, but he's gonna have so much better passing and dribbling than Conte would. And Conte's five six, Lom is five seven, I believe, or five eight. So he's gonna be just a little terrier in the midfield. As long as he has good stamina, this CDM card's probably gonna be pretty interesting to play against in game. He's got around more pace than Conte already, 78 versus 82. It all just depends on how rapid he feels in game and what his player build is like. That CDM card's gonna be interesting though, 90 defense is huge, 88 passing is fantastic, 85 dribbling is fine for a center defense in mid or for a box-to-box center mid. I think this card's gonna have the most hype, but I don't think that card's honestly gonna be that more. If this card goes over a million coins, that'd be crazy. I'm feeling somewhere around like the 700,000 coin range. I don't think any of these Lom cards go over a million in my opinion. But again, it really all just depends on what they do with the skill moves and the weak foots, I guess you would say, for a lot of these other strikers, for Etto, for Kentonov, for Puskas, for Nino Torres and Sucer, a lot of this stuff that we'll see for their price really just depends on the weak foot and skill moves. But I like some of these stats, man. I really think they did a decent job with these stats. Etto looks pretty good. I would've maybe liked a little more dribbling on Etto. I mean, as I went through and looked back through some of his best cards. FIFA 17, he had a team in the season with 92 dribbling. FIFA 15, FIFA 16 in the season with 90, 89 dribbling. So I know some of these cards are, back in the day, FIFA 12, what was his dribbling back here? FIFA 12, 89 rated in form, 87 dribble. So yeah, I don't know, man. I feel like this card is gonna be pretty good.  Puskas is gonna be really good. I think this is the gem of everybody, but he's also gonna be the most expensive. And then if I had to pick a sleeper this year, as who's gonna be OP, that maybe somebody that people would not expect, I honestly think that, you know, Fernando Torres being 5'11". I don't know what some of his heading stats were in the past FIFA's, but if heading is actually a thing in this FIFA, pretty sure he has pretty high heading. Yeah, 99 heading for Fernando Torres. This card could be really OP. I don't know if any of you guys used this, was it this version? No, FIFA 19. I don't know if any of you guys used this SBC version of Fernando Torres. He was great at the end of FIFA 19. So if headers are a thing, Torres could be good. Even Kanto Nak could be pretty good. If headers, you know, he's pretty muscular, pretty strong dude. So I'm really curious to see how they end up doing the weak, what weak foots and the skills for all these players. That's gonna have a major, major key on what these guys' prices are in FIFA 21 Ultimate Team. Sorry for the longer video today. There's a lot to talk about. Lots of theorize about. Hopefully you guys enjoyed it. If you did, smash the thumbs up, comment down below if you have any questions and subscribe to the channel if you're new. And I need the photo count. Catch you guys later. Peace, out.


Sam, for our first hot topic, address the consequences of the federal price hikes. Review the minimum wage. Provide a walkable roadmap to the CNG alternative. Fix the country's refineries and pay electoral salary areas. These are some of the demands of the Nigeria Labor Congress and the failure of the government to meet these demands have led to one in strike with a major shutdown scheduled to take place at the end of this week. To avoid the major shutdown, the federal government held a meeting with the NLC yesterday, that's Monday. That meeting, however, reportedly ended without a concrete resolution to the union's demands. We're taking a look at that right now with Mohammed Abdul-Lahi. Public relations analysts joined us from Niger State. Good morning to you, Mohammed. Good morning. It's all just my pleasure. Good morning, Nigerians. Pleasure to have you. Mohammed, you've followed the development. Tell us your assessment of the dialogue that took place between the federal government yesterday and the labor. Yes, it's nothing new from what have been occurring in our country in the past decade, where the federal government always waited the very last minute when the labor union was starting to strike before the call of meeting. And then most often they are not, the meetings end up in stalemate, you know, both parties not really agreeing to a concrete decision, like you rightly mentioned. So yesterday was not something any different. Again, I think the challenges, again, is the fact that Nigerians already know that the labor union is a kind of factionalized at the moment, where we have the Nigerian Labor Congress, NLC, which has been in the forefront over the years of pursuing the workers' rights. And then we have the Trade Union Congress, the TUC, which supposedly and originally supposed to be part of the labor union Congress, but for some three years at the moment, they've been having a kind of headlong diversification and making differences with the labor union. So they have been different, I mean, from the NLC's decisions, they are very different. Most times, whenever they call or strike, they tend to not join. They tend to, most times, if I'm not mind saying what, follow straight along what the federal government is doing. So that creates a kind of dichotomy and a kind of challenging decisions for the labor union management and leadership generality. So what am I trying to say? I'm saying, yes, inasmuch as there is a kind of differences and as a kind of a factionalization in the workers' union, I think the federal government or the government at large will continue to have its way in not fulfilling its promise to Nigerian workers and then some of the rights and some of the privileges that the NLC is fighting for, perhaps might not be fulfilled because they are not working with one house. They have a divided house, like I said, the NLC and the TUC have not been getting along for a while. If you remember, the last meeting that was even called before yesterday, only the TUC attended. The NLC did not attend before, especially meeting was also arranged for the NLC. So with that kind of divided house, the federal government will always have its way and then it's not the win-win situation or it's going to be a bad situation for Nigerian workers and even Nigerian masses as a whole. So in a nutshell, the meeting yesterday didn't really produce anything concrete, perhaps by the end of this month or maybe the latest in a week's time, Nigerian Labour Congress might have no option than to call up an indefinite strike. Well the TUC also did not join the NLC for the one in strike which they carried out a while ago. Why do you think the TUC and the NLC are not on the same page? I think it's a simple fact that there is a kind of possible leadership, both parties trying to feel perhaps superior and the TUC is not wanting to bow to the Nigerian Labour Congress. Even though the NLC has been there for a donkey, yes, the TUC is supposed to be a subsection, I mean a sub-party of the NLC. So I see in my own opinion, I see a kind of toss of leadership, each party is trying to superimpose itself ahead of the other and then each party is trying to play the part of being more important, you know, and then federal government is saying okay, if the NLC is trying to play a very delicate game, we can as well negotiate with the TUC. Don't forget that TUC also, the Tribunal of Congress also encompasses a whole lot of other sub-workhouse groups and so on and so forth. So they are quite strong on their own, their reach is very wide and so on and so forth. So to answer your question directly, I see like I keep mentioning a toss of leadership between both unions and which is so unfortunate. I think if both unions come together and moment where we have a divided house, both parties of both union trying to outdo each other and trying to be smarter than each other, presenting themselves to the federal government in a divided way. Okay, so the NLC is of the opinion that none of the demands that have given out, none of the demands they've made have been met and they are very dogged this time and they are very, very certain that if nothing happens within the next four days to fix this, that they are definitely going to go on this strike. How effective a strike or how effective would your strike be if they do not go in unison with the TUC, do you think? It's going to be very challenging. Remember, the President is actually out of country since yesterday or two days ago for the United Nations assembly in New York and in fact many, I'm surprised that the Minister of Labour is not part of that delegation. So many of the big weeks in the country, the President, the Vice President, many ministers and even governors are out of the country at the moment. So in fact, it's not a good time to pick up the fight, I mean for NLC and the TUC. Having said that, with all the big weeks of the government out of the country, I see it as very impossible that any agreement could be reached at the moment because when the Minister of Labour is around to negotiate, he needs the buying of the President to ratify the negotiations and the agreement at the moment. So it's quite a kind of impossibility for the government and NLC to reach an agreement at the moment and then to answer your questions directly, over the years, strike action hasn't been quite effective for the Nigerian workers and the Mantis at large to be very candid. I am of the opinion and I keep saying that the NLC and other unions should actually look for other means to drive in their messages to government, you know, rather than insurmount strike here and there, particularly when over the years if you look at it, it's not been really effective. What it does is just ground activities in some part of the country or perhaps at least all of the part of the country economic activities are grounded. And then after two weeks, three weeks we go back to the status quo and so on and so forth. So I think there should be other effective means rather than strike action, one strike or different strike that we should be able to pass our messages. I would want to, some of the actions I am thinking are quite a bit radical. So I want to mention, but I will leave it to the leadership of the NLC to review over the years what they've been doing. It's not really effective and that is why government at all levels, particularly federal government, you know, devising means to have a divisive union so that one other union or one other party will fall into what they are saying and even while the NLC is really struggling, pursuing strike, if TUC also have a large family, if TUC do not follow suit then the strike becomes a bit, not even a bit, very ineffective. So yes, it's not going to be very effective if TUC do not join, if they do not have one house like I keep mentioning and I keep clamoring for, the strike definitely will not be effective because like I told you earlier, TUC have a whole lot of other subunions as well across the state. So in fact, it will be almost 50% of the NLC members might not be joining the strike or even more. So what effectiveness does that bring to the table if more than 50% of the union are not joining? So it's important that NLC goes back to the drain board, talks to TUC, they have a common ground, sort out their own differences and then aside the strike, look for other options to hold the government to the jugular so that they will be able to deliver on their own promises and the agreements that have been made whether now or in the past. Well critics have verited the NLC led by Joe Agero and he does appear poised now to prove a point that he's someone that should be taken seriously. However, I hear you when you say that strike may not be the best option. However, how would you say Simon along the minister of labor has been able to do this job of dialoguing with labor? How would you assess him as a minister? The minister is very new. The minister is just perhaps less than a mountain of it. So I think there is really no guideline now or there's really nothing to really review the minister with in terms of his action so far. So I think he's starting with what you may describe as baptism of fire. Could you say he's responding appropriately? His personality, do you think he's suited for this kind of, for this ministry he's been thrown into? Yeah, as a former governor for eight years I think he's suited for negotiations.  So I think he's suited as an elder statesman, someone who is above 60 years. So he's suited but like I said, for me I think it needed more time. He's just thrown into the, he's just thrown under the bus. So it requires him to actually some of the agreements, some of the actions, I mean the past actions of the unions and come up with his own strategy. Like I said it doesn't have to, what government have been doing over the years is like wait for NLC to say okay we want to do this, we are planning a one strike, we are planning an indefinite strike before reacting, it's too reactionary. I believe government should be more proactive. So that's what I expect from the Labour Minister Hensford, I mean perhaps maybe every quarter you have a dialogue with the union, not when they say they want to go on strike, no. You have a dialogue, you have like a calendar of dialogue perhaps every quarter or every two months depending on what is suitable so that you keep reviewing what you discuss with the agreement and then the way forward. So in that way we have less of this one strike and indefinite strike by the unions if we keep reviewing what we've done and where we think we should be in the nearest future. I think that should be a better strategy. So let's give the Minister the benefit of the doubt that he will be able to carry out the actions and the duties appropriately in the nearest future. But three more days to the deadline, Labour says they are open to more talks if called for more dialogue. So I guess we just have to watch and see how it all plays out and see whether they will resolve this before the 22nd, right? We just watch and see. Hopefully, in Nigeria everything is very possible. Remember, I mean on the 21st there might be a meeting that will hold up until 4 a.m. of 22nd so we always do that so it's very possible. Do you think Nigerians, do you think Nigerians want this strike action? Do you think Nigerians want NLC to go for a total shutdown? Interestingly, in my own opinion, I think Nigerians want it there. I think, yes, my only two discussions with people here and there, I think Nigerians want it. They want to see actions from the NLC. They want to see like people have not been taken granted that everything the government has thrown upon Nigerians in these few months has just been taking hook, line and sinker. So I think Nigerians want it, but I don't necessarily feel it's the best option like I say, you know, with all the hardship here and there, we want to lock up everything in terms of the economy, close up shops, lock down the country. I don't think it's the best. But again, Nigerians want the government to feel like a little pinch concerning what every Nigerian is feeling at the moment in terms of economic woes and challenges. So, yeah, I think Nigerians want it, but it is not necessarily the best for the country at the moment. Mohammad Abdullah, thank you so much for your time. Thank you very much. My pleasure. We can continue this conversation on our social media platforms. Our earlier interview on NLC's meeting with the federal government, subscribe to our platforms on social media, and also connect with me on Facebook, on MenorTV, Maureen Onwizigwe, and Maureen Menor23 on X. That's the much you have for you today on the program. I am Maureen Menor Onwizigwe. Thanks for watching. Join us tomorrow for another episode of The Breakfast. Nyangu will be here. On behalf of the crew, I say have a pleasant morning.


This guy is really freaking me out because he's he's doing a bunch of stuff that says he's one thing but he's doing he's not doing anything that confirms that you can look at that and go oh I know what that is but you don't have anything to confirm it which is all of us have a soap box we stand on and talk about that all the time about absolutes and those types of things so his behavior is one thing but the way he is his everything else the outcome of some of his behaviors are just say one thing but everything else says something completely different and I agree with you Greg it's revealed a lot of rage here that he's that he's keeping in


Hi guys and welcome back to my channel, it's Eki. It's the first time seeing me, you're welcome. Today's video is essential makeup products for beginners. If you are a beginner, then you need to keep on watching while we go right into this video. Welcome back to my channel. Today's video is essential makeup products for beginners.  I'll be setting with the Sasha Botakov Setting Powder. So if you are used to my channel, you know that I am always doing this routine. So this just helps my brows to stay in place all day and also keep the oil at the base. I'll be filling in my brows with the Blot Cosmetic Brow Cremade. But for a beginner, I will sincerely advise that you start off with a brow pencil so you have control over your product. So I highly suggest you start your brows with a brow pencil. I'm just using this to outline my brows, following my natural brow line. You also want to line the top of your brows just to give it a shape. I'll be using this short pencil to fill my brows in. Like this pencil has gone through a lot with me. I got this pencil two years ago, yeah. And I'm sure if I should tell Zaron Cosmetics that this is their brow pencil, they will never leave me. I just use my pencil and give it a shot. I like strokes. I'll be highlighting my brows. Using the Eleville Pro Concealer in Warm Honey, you need a two-to-three shade concealer that is lighter than your skin tone. I have a detailed brow tutorial, guys, on my channel. So if you want to see that, I'll be leaving the link in my description box. Do well to watch that as soon as you're done watching this. So I always love to start highlighting my brows for my brow bone. The Eleville Pro Concealer goes for about $3 to $4. This is very, very affordable for a beginner and it blends out well and easily so you won't find it difficult when blending. For the top of my brows, I'm using my Skin Color Foundation. For a beginner, I really recommend that you use your Skin Color Foundation. Okay, next, guys, I'll be priming my lid with the same Eleville Pro Concealer in Warm Honey that I use in highlighting my brows. I'm blending in the concealer with a blending brush. I'll suggest that you don't use too much of the concealer so you don't get creasing around your lid. I'll be setting using the Sat Sharp Buttercup Setting Powder. I used Elea in setting my brows to keep the concealer in place because I'm not going to use eyeshadow for this look. Okay, so I'll be using the finishing powder from Melani in 109 Warm to also set my lid. So I just want my lid to look flawless. So basically, your brows, you need just to product your brow pencil and a concealer. Next, I'll be lining my eyes with the Karat Gel Liner in Black Ink. As a beginner, you don't really need to go all the way to wing liner. I will suggest you just draw a straight line and then that will do. By the time you practice and practice, you will definitely get how to do your wing line. So I'm using this mascara from Medline Rocket Volume Express. So this mascara will give volume to your lash.  So I'm going to be using this lash. This is actually a no-name. Okay, so I've cleansed my face and moisturized.  Skin is why you need a mattifying primer to prime your skin. And also, when it comes to your moisturizer, use a moisturizer that has sunscreen or if it doesn't, you can get sunscreen so you protect your skin from direct sunlight. So guys, I'll be using these two foundations. This is from Medline and this is Melani in Amber. Number 11, so I'll be mixing both of them for my skin. The reason why I love mixing foundation is because I feel I get a better shade that matches my skin tone. What you should know as a beginner is you need a foundation that matches your skin tone. If you don't use a foundation that matches your skin tone, you realize that your face now looks lighter. I lighten my under eye with the Elegyal Pro Concealer. I use Elia in highlighting my brows. I allow it to dry down just a little bit before I start blending. And I always love to start my blending from here. I don't like blending my under eye first. That's because for a beginner, actually when you blend your under eye first, it tends to crease before you're done blending the rest of your face. So I would highly recommend that you leave your under eye for the last two. You need to blend your concealer gently so you won't have a creasing under eyes. So I'll be setting using the Sasha Botac Up setting powder I use earlier for my brows. You need to set all the highlighted place. I feel the only thing you need is just to set and don't bake. I highly suggest you don't bake. I use a beauty sponge I use in blending out my foundation and highlight to set my under eyes. For a beginner, I feel you need a blending sponge because this will actually help your work to be easier and faster. And it also absorbs most of the products before you put them on your skin. Next, I'm going to be setting the whole of my face with a finishing powder in warm.  This is just to face some dimension. You contour to hide and then highlight is to bring out. If your forehead is way smaller than mine, I think you should be highlighting way more than your contour.  For my nose contour, I like to start from the beginning of my brows, just like so all the way down to the ridge of my nose and to the tip of my nose. And just bring it down. Lining with the Colossal Cajal Eyeliner from Medling.  This blush is actually having some shimmers inside. So if you're a beginner and you're using this blush, this will serve as a blush and also a highlight which I feel is even easier for you to work with. You see that I'm having that glow already? For me, I still want to go in with a highlight so I'm going to be using this highlight from Noban Beauty. I'll be using this Brazil. I'll be applying that to my cheekbone. Next, I'll be spraying my face with the Make It Last for Milani. This certain spray is prime, correct and set. So this will leave your makeup lasting all day. I'm just going to leave that to dry now. Okay guys, so I'm going to be using this lip from Eye Magic. You can use a gloss, lip stain, whatever you want to apply on your lips. You can definitely use that. Okay guys, that is it for this video. Thank you so much for watching. If you find this video helpful, please give it a thumbs up. Share with friends, leave a comment below and don't forget to subscribe right here and ring the bell so you don't miss new videos.  Bye guys.


With Next Cloud Talk, you can chat, do video calls, and collaborate around your documents. Communication is the key. Just saying. Hey Carl, nice hair by the way. You have chat rooms about topics, one-on-one chats where you can even invite external participants. And on top of that, you can group files in rooms and other resources into projects. Of course those documents you shared can be edited together in real time. Next Cloud even comes with a built-in whiteboard you can use during your calls or on your own. You can easily integrate external applications and scripts into your chat workflows. Chat messages can also be turned into tasks in-deck and from the calendar. You can easily create a talk room for a meeting. Calls can be scheduled for a specific time. This is for example useful for web meetings or webinars. You will never miss a call again, except when you want to miss them. With Next Cloud Talk, you can do video calls and screen sharing with several people at once. Raise your hand to get attention, or on the keyboard to do so. Sometimes you just want to leave a quick voice message, and that's easy too. If the others are on a different chat service like Slack, Teams or IRC, no worries. Next Cloud Talk can connect to those and chat in real time. You can also chat and do video calling with the native mobile apps. You will get push notifications anytime you get a call or a chat message, like this one here. On the road, you can share a location so people know when you'll be there. And to help your friends connect, you can share contact details.