Good evening and welcome to episode 264 of the Private Property Podcast. I'm your host, Uzaman Dunwoa Kumalo. It's a Friday edition of the Private Property Podcast on this very freezing Joe Burke evening. I do hope that you're staying home. We are warm. I know that load shading certainly isn't helping with the drop in temperature, but we are of course tuned into the one show that you can count on to bring you the latest in property matters and also, of course, help you navigate your property journey. If you join us for the first time, you have been missing out on great episodes, so do make sure that you go to our social media pages, particularly on Facebook and on YouTube, where you can catch up on all the great episodes that you have already missed out on. And to our regular viewers, you know how we do it every single weekday. At 7 p.m., you and I have an appointment where we tackle a hot property topic that helps us make better property decisions.  This is the only property show that certainly caters to all of your property needs. So this evening, one of the things that we're going to be looking at or certainly what we're going to be exploring this evening is something that's in line with a lot of what we've explored this week. And I think a lot of the property investors in particular are probably excited about some of the themes that we've covered this week. This evening, we're going to be looking at the steps to take before you start your property investment journey. And the reason why we're starting, you know, we're having this conversation about what to do before you start is because, of course, yesterday, the Reserve Bank decided to keep interest rates as they are, as many of us are, you know, to the relief of many of us. And I think one of the things is they've been some people who are interested in exploring property, but still haven't been quite sure what to expect, how to best prepare themselves to be able to do so. And I think one of the things that they've obviously been doing is watching the show, making sure that they're also up to date with the Reserve Bank's decisions when it comes to the repo rate. And I think one of the great things that you certainly would have picked up from the show is you want to make sure you understand what you're going into. You don't just want to jump into it because everybody's saying we're in historically low interest rates period, therefore you should go for property. You want to be clear what that even means, right? And we're only going to be exploring that this evening. But before we get to that, you know that you can also catch other shows that we have across our private property social media platforms. As it is a Friday, Chad is going to be profiling a fantastic home later this evening at 8 p.m. on the Home Shoppers Show. I know that is going to be looking, I think it's a 10 million round property. And I keep saying to many of you at home, one of the great things about, you know, the Home Shoppers Show is that it gives us a snapshot of what is possible for those of us who probably has had aspirations to owning such exquisite property. And you can also catch them on a Monday at 8 p.m. on the Home Shoppers Show. And every Tuesdays and Thursdays, a warden and farmer, Ombalino, what brings you the farming podcast where she always tackles issues that are all things agriculture and it doesn't matter where the agricultural landscape you have an interest in, that is the show that you want to make sure we're always tuned into to get the latest on farming. And on Wednesdays, Estie Carson brings us the first time home buyers show, which is always in conversation with people who've gone beyond buying that first property and growing their property portfolio from strength to strength. Well, I think one of the great things certainly going from the type of show that Estie would have is that in the event where you want to be the kind of person that can be profiled in that show, this is the podcast and certainly the episode that you want to be plugged into as we explore the steps to look, certainly the steps to take before you start your property investment journey. And we've brought back on the show, somebody who needs no introduction, Laurence Bull, who is a property coach and an author to help us make sense of what is possible for us and what we should get right the first time around so that we can avoid mistakes that are certainly going to cost you a lot of money and a lot of time. Laurence, good evening and thank you so much for joining us. Hi, I'm Tom Gore and thank you for having me once again. It's it's only such a pleasure to have you on the show. Now, Lawrence, I think they're a really good starting, you know, point. And this is a question that a lot of my guests this week have have answered is around the sort of sort of financial, even mental research and preparation that one needs to go into when they want to go into property investment as a strategy because I know many people would have different asset classes that they invest in, perhaps properties, one that you're also interested in, when somebody knows that they want to be able to work with this asset classes, certainly grow their portfolio, what kind of mental research, but also financial research, should they be doing on the onset? Because I think with many of us, and we'll get to this part later on, Lawrence, is you kind of went in and did some of the research retrospectively. So we want to save people some of the pressure points that we went through in our earlier days. Sure. Yeah. Well, let me maybe start with the financial side. I think that's so key because property is quite a capital intensive asset class. I think that the amount of resources, specifically your financial resources will determine what kind of strategy you can follow. You know, if you've got let's call it a hundred thousand rent, you probably have the capacity to do a buy to let where you can get some bank financing to be able to purchase a property and you put down the down payment and bond and transfer costs. With that being said, you obviously have to have a good salary, a good credit score, and you need to get pre-approval from the bank. So as long as you've got a decent salary, you've got a hundred thousand rents saved up by to let would be the strategy that I would probably have directed you in. If you've got maybe a bit more somewhere around the range of 500,000, you might look at something a bit bigger like a student accommodation deal where again, you can get some bank financing, but you'll need a little bit more of a substantial deposit and buying costs.  If you've got more on the million to two million mark, that's when you can start doing multi-lets and blocks of flats. The reason I say that is because banks don't usually or traditionally like to touch multi-lets that are on one sectional title or one title deed. Only once it's sectionalised into multiple sections, will they then provide home loans? So I think when you're looking at what are my financial resources, that's going to dictate what your potential strategy is that you can look at investing in. And I think when I look at what you've just highlighted, the lines, we're going to get to breaking it down slightly for the years at home, especially those who are still in the early stages, because I know that there's some people, for example, who may have aspirations of owning that block of flats, but don't quite understand what may go into raising the capital. Never mind running and managing the building. I think that bit you can almost afford to not know too much about it. There are always various companies.  I reluctantly say almost because that in itself can easily be a red flag if you don't manage it well. But then, Lawrence, perhaps let's go to when you've been you've been doing property for a bit. I've also done it. I often share some of my mistakes with viewers at home. And I'm keen to hear from you what would be some of the things that you wish you knew when you were starting off on your property investment journey that would certainly help people who are looking to get into property investment right now. I mean, I have a list longer than my arm when it comes to what I wish I knew then. And sometimes knowing too much could easily make you reluctant to go into something. So I think for on your end, what are some of the things that if you were to start at this point, you're like, this is some of the knowledge that I have, whether it's because you are attending seminars, but some of it is because you have your skin in the game. You've actually done this. You've seen deals gone right and deals gone wrong. Yeah, good question. And I also have a list as long as my arm regarding that. I think that the first thing is rather put in a few lower offers and get a few no's. I think my first investment I did because I was really desperate and I really just wanted the person to say, yes, I offered full market price. The reality is that when you buy at a discount, you buy equity, you reduce your risk tenfold by getting a 20 percent discount. Now, it's not easy. Obviously, you have to go through a couple of no's and find a motivated seller, but you tend to get a much better deal. I have the second thing I would say is it needs to make financial sense. Don't make an emotional decision.  If you go into an investment property, it needs to make financial sense. The gross yield needs to be 15 percent plus. It needs to be cash flow positive, depending on the strategy, but you need to look at it from a lens of a financial perspective. And then I say the third thing would be to vet your tenants, whether you do it yourself or use a letting agent. I personally use a letting agent to do all of my management. But having a good process where you vet the tenants so that you you don't allow the bad apples to come in because doing the eviction and getting rid of bad tenants is a hassle. And it's not something that you want your time to be spent on. So rather pre-vet a good tenant, place the right tenant before, you know, allowing just anyone in. Those are beauties. I would say my top three. And I actually want you to elaborate a little bit, Lawrence, because the first the first one that you mentioned was the reality of just facing a couple of no's and trying to get in and certainly buy that first property or those first few properties at a discount. Obviously, you actually just want to be able to buy all of them at a discount. How would somebody go about the determining that they are getting this edit discounted rate? And the reason why I asked this is because having spoken to a lot of people who are aspiring property investors and some of them really bought a few properties but have not necessarily formalized their portfolio as far as their concern. They saw an opportunity, they buy one, they're renting it out and they buy a second one, they're also renting it out. I find that a lot of people when they do their market analysis and let's call it their market analysis, it starts and really essentially ends with going on privateproperty.co.zl, for example, seeing what the property prices are on the website, you know, going from what's the lowest and the highest in the band that they want or in the particular suburb that they want. And you and I know how dangerous working like that is and how for the most part, it just doesn't constitute market research really. So how would somebody didn't know? Because I think we mustn't take it for granted that people would know the different avenues that you should go to, to even see that you're buying or potentially going to be making an offer that's a discounted offer. Sure. Yeah, great question. The reality is what you see on private property is the asking price and the sale and the market price. It's not the market value. If you want to understand what the market value of a property is, you need to use tools, things like Lightstone and TPN or Windeat. I personally like Lightstone. I just find their interface to be a little bit more user friendly. But basically what Lightstone does is it takes information from the deeds office and it tells you what properties sold in that area that are comparable. So if you're looking at a three bedroom property in Santon, you know, you can pull the Lightstone report of the Santon suburb. You can find out what the last 20 sales were that were also three bedrooms of the same size, the same features, the same square meters. And then you can see what the actual market value is because the actual market value is based on what has been sold, not as what being presented on your or being advertised. Exactly. TPN is also a nice source. TPN tends to be a little bit more rental focus. So if you want to understand what your rental market could look like, I would use that tool, but definitely Lightstone tells you what the market value is and then you can work your discount price under that. And I think, you know, Lawrence, I'll add in one resource that I found. I think maybe last year, but it's been around for all just over two years now. My sense of timing is terrible because 2020 messed all of us up. So we don't actually know when last year is for many of us last year, it's still 2019, but I'll actually say the financial institution. So the Blue Bank has a really great feature that is look easy, where you're able to essentially go there to free service. It's on their website. So it's not something that's only available to their customers. And you essentially just able to go to that particular page and let's say there's a property, even that particular property that you're looking to buy. So I'm able to essentially put in the address of that property. It will tell you all the details that you need to know of that particular property, how much it was essentially bought for when the transfer would have occurred, the sales in that particular street. And sometimes even able to get data, for example, on a complex. So it will tell you in this complex, this is the state of that complex and how many units have been sold in that complex. But the price point in that complex is they even have, for example, a section that has crime data of the area. So it's a really to be great tool. It's free. You don't need to sign up or anything like that for it. Because I know that sometimes people make you sign up in order to be able to access that data. So I think that's just a really great this for desktop research purposes. If you just want to get a good sense of what's happening in the area, in the street, in the complex that you're interested in. I know that I've shared this particular thread around this feature, even on my Twitter feed, so you can go there and check it out. And I think those are some of the great tools that you're able to watch out for in the beginning. And this is something I wish was available when I started my property journey. Unfortunately, it wasn't available back then. The only services that were available, you had to pay for, you had to subscribe. And and and there's also just fear, right? Because you don't know this property thing. You don't know if you at certainly at the time, I wasn't sure if Lightstone was like this credible company. So they're all these question marks that we sometimes have. And certainly a lot of fear that we have when we go in. And then Lawrence, I think for years at home, then, how do we look at we've now we're now relatively clear of when it comes to where we want to be getting some of the knowledge, whether it's certainly from a mental perspective, but more than anything, the financial perspective, getting really good data for the property, the area, the street, the complex that we might be interested in. How do we then assess whether or not that's a good property, right? Because I think people, as you rightly pointed out, sometimes people go into a property and emotions take over. And they may think this is a great property just because it looks and feels good. How do we go about then assessing that this is actually a good property investment and take out all those emotions? Like, yes, the view might be great and the finishes might be fantastic. So what are some of the key things should we be looking out for when we assess whether it's a good property or not? Sure. Yeah. So essentially, there's two types of strategies that one investor can use to make money. You've got your buy and sell strategy and your buy and hold. Buy and sell is obviously you buy to discount. You force the appreciation up and you sell it here for a higher amount and you make a profit of whatever the margin is in between. The rental strategy is you buy and you'll hopefully your rent is higher than your monthly expenses and you're left with a monthly profit or cash flow. So I think whenever you're looking at a deal, you know, let's start with the flipping strategy or the buy to sell. You obviously have to buy it at a big discount or buy it well under market value. So you need to understand what that number is. You need to understand what your market value is. And then you need to understand what the difference is between the two, which is your renovation budget. How are you going to force the appreciation of this property? So if you buy a rundown property, it's going to cost you 200,000 to force the value up. Will it then be, you know, worth a million? OK, well, then I need to buy it at 700,000 because then I've got my 100,000 ran profit buffered into it. So when you're looking at your offer, you have to include your profit so that you know if I buy it at 700, I'm going to get this much profit from a rental perspective, which is a lot easier to calculate because you'll be able to see what the rent is, either through like a rent roll or some sort of signed lease agreement. You can see what the levies rates and taxes are the boundary payments. You can put some provisions in place for maintenance and for vacancies. You know, rental minus all of your expenses. Hopefully you left with something positive at the end of the month. And if you're not, then it's not really an asset, it's more liability. So, yeah, I mean, I think there's lots of free calculators and tools that my property app does it as well. But there's plenty of tools that one can use just to plug it into Excel and it will tell you yes or no, it's a financially good deal or not. And I like that you mentioned renovation costs and having a budget around renovation costs, that that's probably a factor that could easily be intimidating to particularly people who are starting off more often than I say to people that if you want to go into property investment, especially if it's the first time and you're looking at only doing individual units as opposed to going in with multi-layers or starting bigger properties, try to get something that doesn't need renovations. And if there's any kind of renovation, it's something as simple as paint, for example, nothing major at all. But the reality is different people have a different risk appetite, I guess, and different curiosities that they want to satisfy for themselves. So some will go with properties that require just slightly more work. How do we then help people or how can people rather assess that they don't overcapitalize? Because I've seen this happen quite a lot. It's probably easier for you to to be OK with overcapitalizing in a property when it's a primary residence so you can go with all the fancy finishes and you can be OK with it because you'd argue, listen, I'm going to be staying here for 15, 20 years, maybe more. My kids are going to stay here. But it's a completely different ball game, of course, when we're looking at investment properties. Sure.  What is a 20 litres of pain cost? How much does a tile cost a kitchen set? You know, a lot of us don't know how. Listen, before you even go anyway, when you just say how much 20 litres of, you know, pain cost, I feel as though I'm always buying paint and tiles and it's something I often complain about on my Instagram Twitter that I am forever buying those two items are the two items I am buying the most. I can tell you how much prices for both those items have been. Well, let's hear it. How much is 20 litres of paint since 20 litres of pain, depending on what you're looking for. You could easily part with a thousand rats. So it depends whether you're looking even like from a primer. So anything between 700 to maybe like a 1.2 is a good brand. Depends of course, what finish is an animal or is it a matte finish, whatever the finish is. But you're literally looking, let's sit at an average of about 850 for a 20 litre, you know, bucket of paint, which is, of course, gives me hard publications because that could easily be levies, for example. And if you're painting brand new, you might just need, for example, that to be the primer and you're still going to have the two coats of the primer and still have another 20 litre for the paint. So all these costs obviously stack up. But I sidetracked you there. You're talking to us about managing us overcapitalizing. Yeah. So I mean, it's great. You're like a great testimony, right? If you go and do a bit of research and you know what the costs are, you won't be duped by a contractor or a builder if he comes and says, you know, it's going to be $10,000 for this paint, you can say quite comfortably, no, that's not the case. So that's, I think, why, you know, if you're serious about property investing, go spend an afternoon or two in builders warehouse, understand what material costs cost. And then what I would say is if you're looking at a property investment that requires a lot of renovations, take one or two builders with, get them to quote to you. I would say get at least two quotes so that you can compare what they're costing you at if you can get three quotes. And then know what the material costs are so that you can see who's taking you for a ride, you know. And once you've done it a couple of times, I'm sure you feel this way as I'm going to go up, but once you've once you've done a few renovations and you know what to expect, it isn't as daunting. And it's actually you can start to estimate yourself with relative accuracy as to what your your renovation budget will be. And I think one of the things that I certainly picked up was there was a time when I worked with and I've worked with different contractors during my property journey. There is a particular contractor that I would say pretty much I want to say took me for a ride. The craftsmanship was fantastic, but when it came to the finances, definitely did overcharge me and this was at a point where I wasn't as involved when it comes to going to, you know, a builders and also assessing the price point. And I think this is probably another tip because different contractors work differently with some contractors. They'll when they when they give you a quote, for example, they'll break down the scope of the work and their price will include their labor as opposed to, for example, separating the material cost and their labor cost. And the particular build I was working with worked with the former method. I found that that isn't the best method. You almost want to find out what the material list is. You can go by the material yourself. Make sure all of your material gets delivered to your property. So be very hands on in managing that component. Because the unfortunate thing is a lot of contractors will sometimes let's say you only needed 50 boxes, 50 boxes of tiles for anything. In and you typically would budget for like 10 percent more for wastage. So let's say it's 55 boxes. There's a Tyler or contractor that can easily say that you actually need 70 boxes and they'll make sure and that you get quoted on the 70. But the only the 55 gets delivered to your property and they either take the remainder or they ask for a refund from the store itself. So and this is something that I only picked up because I've been in it. It's happened to me, unfortunately, I've lost money because that's happened. But I now know better. So just understanding where some of certain instances where you could potentially lose out on money is so crucial. But then Lawrence, I think when we then have a better understanding of not overcapitalizing on the property and also just not going overboard. Because I think one of the things that I found, especially if you're on in the journey is you want to put all kinds of crazy finishes on that investment property and not and sometimes you can go over budget and not manage yourself very well. How do you make sure that we still keep within budget? Because part of keeping within budget is making sure that the bottom line remains the bottom line. So in as much as in our personal accounts, we may have that extra fine, those extra fines to buy the fancier tiles. How do we make sure that we're still able to stay within budget, not overcapitalize and run this like a business? Because ultimately, that is what it is. I think you've answered the question there. You've got to be able to separate what's your primary residence first? What's your business property? And to be honest, the investments that I do are all in low income or low income areas like Joe Bigg, CBB, Berea, Rosette and Ville. You know, so to fully renovate a unit would be 20 to 40,000 ran because you put in just the basic features for the tenant to be able to live. What I can say, and this is more my girlfriend speaking, she's got very expensive tastes, so I would never, ever take her to any of my investment properties because she'd be like, oh, my gosh, let's put in a gold tap. And then there's this diamond thing here. And then we need to make sure that the view, you know what? Let's do that at home. Our primary residence is what we can invest in because that's something that we can grow with. But if you're looking at a business, you've got to treat it like a business and you've got a budget. And if you go over budget, you start losing money at the end of the day. Lawrence, we've been primarily talking about the steps that one needs to take before they start their property journey or certainly their property investment journey. Suppose you've now done everything that we've outlined and you're ready to start. And then what are some of the basics that throughout your property investment journey should you always sort of go back to? Because I think it's very easy to get sidelined in properties, particularly right now. I mean, I'm seeing a lot of different players doing really interesting things and it could be very easy for somebody who may have gone in wanting, for example, to go into a low income area and only look at apartment blocks that are five to 10 units only. And then you're seeing somebody doing something interesting with relatively big houses that you can turn into having multiple rooms. So what are some of the grounding, I'll say, factors should every property investor be mindful of particularly earlier on in the journey because it's easy to get sidelined and look at the new shiny things that keep popping up. And I think now within the property investment, certainly within the property entrepreneurial space, there's quite a lot of that happening. Sure, I think one fundamental principle that I think will make any person a successful investor is to not listen to opinion, but use fact to make a decision. And let me give you a quick example. You know, I look at a lot of areas in Berea, for instance. And oftentimes I will see the state agent put a nice marketing blurb on the ad that says, you know, great investment, this building is insured. It's in great condition, private security. They're making 10,000 rand in rental. It's a two bedroom, by the way, in CBD. You know, now if I just had to take that on face value and I had to run my numbers doing that and just assume that the building is in good condition and that I am getting 10,000 rand rent. You know what, when I buy the property and it turns out that I'm only getting 5,000 rand rent, I'm in a pickle. So, you know, for me, I will not consider moving forward with the deal unless I've seen signed lease agreements. I've seen annual financial statements of the building. I've seen COJ bills that I can see the COJ logo on it. So I know exactly what the rates and taxes are. I want to see a proof of levies. I want to see six to twelve months worth of income and expenses because if I can see the actuals and my inputs are correct, the output, which is basically my ROI and tells me if I should move forward with the deal or not, will be accurate. And I think regardless of what strategy you do, be it Airbnb, capital flipping, sourcing, wholesaling, whatever it may be, as long as you're using actuals, then you can trust the numbers. And, you know, that's actually such a great point to highlight, Lawrence, because more often than not, the estate agents, they're only doing their job and they will, of course, position their ad as a great investment. And in some instances, it may be, even in some instances, probably not. And one of the things and something I was highlighting in an investment session just to speak is that when you run your models, when you even look at what you think you may potentially get in terms of rental, be as prudent as possible. So even look at whatever the average is right now, try to go even lower, particularly in this market. We don't know how long we're going to stay in the current economic climate. We don't know if we're going to have things go even worse. So almost want to budget for a worst case scenario and still be able to get decent deals in the event where you don't collect rental at the current levels. And Lawrence, before I let you go, though, any final tip for our property investors on the property investment journey? I would say, you know, there's so much content out there. Get yourself educated. Go look at my YouTube channel, Lawrence Bull Property Coach. I put a whole lot of free videos out there, but there's tons of resources. Go look at bigger pockets. For me personally, that's one of the best websites. You know, private property has got a lot of great podcasts and newsletters. I think there's so much free. There's a wealth of free information and knowledge out there. Properties and expensive asset class rather just take a couple more months. Just do your due diligence. Do your research instead of buying a bad apple. Just make sure you're buying the right investment because, you know, property is a great adventure adventure, but you just want to make sure you're doing it in the right way. And that's a great place to leave it at, Lawrence. Thank you so much for joining us this evening. Thanks, I'm going to go. Always a pleasure. And that is Lawrence Bull, who's a property coach and an author wrapping up the Friday edition of the Private Property Podcast with myself. I do hope that you've had a great week with us. I'll be back on your screen on Monday evening at 7 p.m. as usual. It is a Friday, so Chad is going to be bringing you the Home Shopper Show at 8 p.m. Until then, hope you're staying home and staying safe. Thank you so much. Always a pleasure, always a pleasure, someone to do that. How was that? You enjoyed it? That was great. Absolutely enjoyed it. All is great chatting to you. Nice. No, you too. Thanks for being such a great host. It's always a pleasure.


Northern Eye Center in Pikeville, your local vision experts experience doctors using state-of-the-art technology. Choose from top designer frames from Oakley, Ray-Ban, Nike, and more. We accept Medicaid and Medicare, plus most insurances are accepted. Northern Eye Center in Pikeville, next to track your supply. The City of Paintsville will be hosting their first annual Paint Creek Freedom Fest June 30th and July 1st to celebrate Independence Day. The festival is free to attend and will feature food trucks, craft booths, and live music. Mayor Bill Mickel Runyon wanted to have an event downtown that celebrated Independence Day, so he brought together community leaders, tourism, Paintsville beautification committee, Alley on Main, lots of folks coming in to really show off the area because we have a lot of people that stay here and don't travel during the fourth and so we wanted people to have something to do downtown. The festival will also feature inflatables, a petting zoo, and other activities for kids of all ages. The city will also be hosting two firework displays, July 1st and July 4th. In a post-Covid world, community events are very important to us. You know, it supports the local nonprofits, it supports the local mom and pops that have small craft vendors, food vendors, and then also our businesses in the downtown area, they get a lot of support when you have this. So it's very important for community events like this to help boost the economy in our local environment. For more information, go to Paintsville Tourism on Facebook. Reporting for Mountain Top News, I'm Brianna Robinson.


That's a good sign, I don't know, I'll go something like Southampton or something. Summer. Yeah, Newcastle. That's correct. I'll go with Croatia. I think I'll say... Malta. I don't know which one. You say that line in English? Malta. Malta, yeah. Memphis Grizzlies. They sound like a bit of a... Got an ice hockey. Memphis who? Grizzlies. Like bears. I don't have any idea, I think. It's just maybe a bit of a cricket. Australia, is it? It's the whole back. Yeah, New Zealand, yeah. Yes, again. 60, 50, 40. No, no, no. I'll go... 42. Hands. And... 1945. Correct. True. I think it's true. Oh, pass. VN. Two. Yes, correct. VN. VN. Yes. Four. Is it the... Philosopher's Stone, no? That's correct. Is it? I want to plug that in. I know, in French, it's... I would call it... I just call it the... I think that does translate to... Philosopher's Stone, so... Yeah, we'll give you that. I don't know what the name is in English. Sorry. It's OK. The Iron Man guy. What's he called? What's he called, now? I don't know the first name. So it's not the Iron Man guy. I'm not sure. I don't know. It's a little mix, isn't it? English guy. I don't know, really. Say... Just like I said, no. What's the name of the... Blonde guy? I'm going to get an English one. Right now, I don't know how to... I don't know how to... What's the name? The name? I don't know. I don't know that. 47 times 11? I don't know. 46... 463... 47 times 11. It's like... No, I just said... 47 times 11. So it's like... 500. 17. 81, isn't it? That's correct. This is about 81. 81. It's... I think it's a vegetable. Corcomole? Nuts. I don't know. I can't remember. Last time I heard that I can't remember, so... I don't know what to say, maybe. Paprika and... Fresh cream. Berlin? Germany, no?


We move, we eat, we heal, we admire, we go through our lives mostly unaware of what's happening behind the scenes to make things safer, cleaner and more beautiful. We can't always see them but the wires and cables in our cars, household appliances and electronic devices are working hard. These materials need to be heat tolerant and tough enough to perform under harsh conditions. Electron beam irradiation, or e-beam for short, is used to make them stronger and more resistant to chemicals and fire. An accelerator creates a beam of electrons. These hit the material and cause changes in its structure. A comparison test shows the difference between the non-irradiated and irradiated cables. At this busy e-beam facility, around 200 kilometres of cables are irradiated every day. These will be used for car ignitions. In the field of medical care, sterilisation is vital. The process protects the patients from infection. One safe and cost-effective sanitisation method is irradiation. The powerful gamma rays of a radioactive source can kill the bacteria and viruses that can lead to serious diseases, even death. It's used to sterilise more than 40% of all single-use medical devices, such as syringes and gloves. Gamma irradiation is also being used by many tissue banks worldwide. These are places where tissues are donated, stored and eventually used for transplants. The use of non-sterile tissues in surgery could be life-threatening for the patient. Radiation leads to complete sterility, because every cavity is reached. After irradiation, the products are ready to use for transplants. We need and enjoy food. But food should not only be tasty, it needs to be sufficient and safe. Insects, fungi and harmful bacteria can be found in food. These can cause food poisoning and decay. Over 60 countries worldwide use irradiation to treat food. It destroys contaminants and extends the shelf life of food by killing the mould that rots it. Irradiated food is safe to eat, and there's no change in colour or taste. Safety in transportation and industry is paramount. Faults in cranes, planes, cars or bridges can lead to disasters. Non-destructive testing techniques that rely on radiation have become indispensable tools for all manufacturing industries and civil engineering. These tools are used to control the quality of components, machinery and structures. Radiography is routinely used to ensure the safety of planes. With the help of x-rays, technicians can discover cracks, corrosion or loose fittings without having to dismantle the machines. X-rays are used to perform quality controls on building materials. Defects can be detected before construction even starts. And radiography can make sure that welds in pipes are still tight. In the shipping industry, safety below the surface of the water is as important as above. Here, a device known as a nucleonic gauge uses x-rays to measure the density of mud at the bottom of the sea. Due to sea streams, weather conditions and construction work in ports, the mud layer is constantly changing. When the mud is too high, it poses a safety risk for the ships. The data captured by the gauge is used to compile a map showing the different depths of the mud. The areas that appear in red need dredging. Wastewater from industry is highly contaminated with various chemicals, often toxic. One main area of concern are the chemicals in the wastewater from textile dyeing. Some countries already use electron beam irradiation to treat it. Others are developing this technique for future use. Electron beams break down the chemicals into smaller fragments. This makes wastewater cleaner and clearer as can be seen in the tube on the right and safer when pumped into rivers and seas. Artifacts form an important part of a country's cultural heritage. They're inherited from the past, admired in the present and need to be preserved for the future. Over the years, these precious objects are subjected to environmental and physical damage. Radiation techniques are being increasingly used throughout the world to preserve them. Gamma irradiation can clear works of art of insects and mould without the use of chemicals. They can be returned to museums and churches straight after the process, free of the pests that could have destroyed them or infested other wooden objects. Radiography techniques allow experts to see what's happening inside artefacts. This CT scan gives information about the internal damage in the 17th century statue. To find out what type of pigments or metals the artists of the past used, X-ray fluorescence or simply XRF is a useful tool. A device can record digital images that contain a wealth of information. This helps restorers to renovate the works of art in an authentic way. Every second of every day, people all over the world are benefiting from the use of radiation technologies. Look around. You are too.


This paper reviews the discovery and potential therapies based on different types of stem cells, focusing on controlled culturing and derivation methods, quality control and teratoma formation assays. The use of graphene scaffolds and extracellular vesicle-based therapies is highlighted for their versatility. Despite challenges, stem cell therapy holds great promise as a turning point in modern medicine, providing hope for untreatable diseases. This article was authored by Wojcik Sapczewski, Mocha Dobrinski, Maria Simonowicz, and others.


For skateboarding to me, it's like an escape.  It's an activity where no matter what I'm doing in life or how I'm growing up, it's something that I can always fall back onto that I know is 100% myself.  I had no fears of being able to never walk again, but it was a big deal for me more when they took my big toe. That's when things got real. That's when I realized that they were telling the truth that I was going to lose parts of my body. When they told me that I had a chance of losing my foot, at that point I made my own executive decision to have the doctors take it. It was the best decision I made because trying to save it, even if I still had it today, it would have been very painful. I think I made the right choice. I didn't have any fears of never being able to walk again. I definitely had fears of not being able to skate again. Luckily for me, it was my left foot that was amputated, not my right, because my right foot is my dominant foot standing on the skateboard. So I was able to still continue to skate the same way without having to switch my riding style. Dr. Eustel's great. He was very comforting. Right off the bat, we hit it off. I had a hymn, Lou Bobion. He was my technician that made my prosthetics. He was very old school, but he was very helpful with the process of getting up, learning how to walk again. And Sue Callaghan, too. She was my physical therapist. She was phenomenal. They actually always supported me with being in skateboarding. They were always helping me try to find the right prosthetic that would help something that would stay on. It wouldn't slip around. When I'm kicking off and stuff, they were able to come up with good ideas and make different designs and buy certain parts that helped me excel in being able to skate with being an amputee. If I came across any amputee out there, I would tell them if I can do it, you can do it.


who has a long-distance relationship, but why this long, this relationship didn't work out because lifestyle compatibility plays a factor in relationship success. And I wanna lean into this for a second because there's a good chance you might be dating someone. And by the way, 10 miles here in Los Angeles, I live in Los Angeles, it can be an hour drive. Now that's something manageable when it's two hours, three hours, it's a plane ride away, someone's going to have to adjust their lifestyle.


Hey man, let's keep your place there in Revelation chapter 19. So we're continuing the Omni Sermon series tonight. We are looked at how God is all-knowing last week and tonight we are going to look at how God is omnipotent or all-powerful. Omni meaning all and potent meaning power or having power. So omnipotent and then Revelation 19, I believe that's the only place that word is in the Bible, is showing that God in verse number six has all power and it's interesting because in Revelation chapter 19 we see this story of God demonstrating his power in Revelation chapter 19. So of course Revelation chapter 19 is showing the battle that we would know as the battle of Armageddon. It's called, the place is called Armageddon in Revelation chapter 16. And it's interesting that God is called omnipotent in verse number six, but when we think of power and powerful things, the first thing that comes to our mind is wars and armies and militaries. That is ultimately the ultimate strength of a nation, of a king, is how powerful his armies are. In the Old Testament many times you'll hear, even when they went into the Promised Land, that you'll hear how powerful the armies were, how many chariots they had, how many metal chariots that they had, and how many horses that they had, just to show the strength of a nation. But here all the armies of the world are gathered against the Lord Jesus Christ as who is coming down here. Let's just read it starting in verse number 11. We see this battle, which doesn't really turn out to be much of a battle actually, but it says, I saw heaven opened and behold a white horse. So this is after by the way, this is after where we add in the timeline of end time events here in Revelation 19. This is after you know the rapture has happened and then the wrath of God consists of the seven trumpets and seven vials being poured out on the earth for three and a half years. This is after all the wrath of God has been poured out already. This is kind of the cap at the end of God's wrath when Jesus comes back to fight this battle right before he throws the false prophet and the beast in the lake of fire. Now keep in mind that the false prophet and the beast, not that it says anything to do with the sermon, they go in separate places because there's separate purposes for them. So the false prophet and the beast go in the lake of fire, which is the final place. They're done, they're out there, they're not coming back. But in verse number one of chapter 20 we see that Satan is cast into hell and he's just bound for a thousand years. So he's bound during the millennial reign of Christ and then he is going to be let out again and there's going to be another battle after that. And I believe and I've discussed this with many of you, I believe that the reason Satan is put into hell at that point and then let out again is to simply gather God's enemies into one place so it's easy for God to take care of business because he has all power. And it just goes to show you that at the end of the thousand years and even here in Revelation 19 at the end of God's wrath, God has been pouring out his wrath for three and a half years in the craziest, most painful ways, just burning up the earth, sending these locusts out of hell after people. And there are still people with armies that are defiant against God. That just goes to show you the type of evil against God that is in the world today and that will always be in the world even all the way up to the end until finally God ends it, God destroys it all. Alright, let's look down to verse number 12. So we see this white horse on him is called faithful and true and in righteousness he doth judge and make war. So we know this is Jesus, Jesus is the judge. His eyes were as a flame of fire and on his head were many crowns and he had a name written that no man knew but he himself and he was clothed with a vesture dipped in blood and his name was called the word of God. And the armies which were in heaven followed him upon white horses, clothed in fine linen white and clean and out of his mouth go with a sharp sword that with he that with he should smite the nations and he shall rule them with a rod of iron and he treadeth the winepress of the fierceness and wrath of Almighty God. And he had on his vesture and on his thigh a name written King of Kings and Lord of Lords and I saw an angel standing in the sun and he cried with a loud voice saying to all the follows that fly in the midst of heaven come and gather yourselves together unto the supper of the great God. So this angel is saying you know to all the birds gather up because there's going to be, I mean it's pretty brutal here. He's saying there's going to be a lot of dead bodies very soon so bring the birds come in so that you may eat the flesh of kings and the flesh of captains and the flesh of mighty men, the flesh of horses and of them that sit on them and the flesh of all men both free and bond both small and great. And I saw the beast and the kings of the earth so again these kings of the earth are being led by the Antichrist. They're being led by this same world leader and their armies gathered together to make war against him that sat on the horse and against his army. So the Antichrist gathers all the enemies of God together and he's ready to fight Jesus and the armies that come with Jesus which is us by the way but it turns out that we really don't have to do anything. We don't really have to do anything. We're not going to be doing any fighting in the battle of Armageddon. It's the beast and the armies of the world that are going to be doing all the fighting if you can call what's about to come fighting and it's more like they're just going to do dying is what they're going to do. Look at verse number 20. It says in the beast was taken and with him the false prophet that wrought miracles before him which deceived them that had received the mark of the beast and them that worshiped his image that's the abomination of desolation. These both were cast alive into the lake of fire burning with brimstone. So the first thing that happens is the beast and the false prophet are taken out of the battle and thrown straight into the lake of fire and then verse 21 the remnant were slain by us the army that's with Jesus.    That's the way I see this happening but the point is this is sometime in the future. I'm pretty sure that these armies are not going to be weak armies with catapults and bow and arrows. These are going to be some pretty powerful armies at this point. They're going to be world armies with lots of technology, lots of artificial intelligence or whatever is going on at that time here and the Lord Jesus Christ is going to wipe them all out by himself. The same thing happens with the battle of Gog and Magog after the millennial reign. It's not really a battle. The Lord just wipes them out. The point is there's all kinds of other stories that we could go to in the Bible to prove this kind of all-encompassing power of God. You just think about Sodom and Gomorrah in Genesis 19. You think about Jericho, how God just knocked the walls down in Jericho.  I mean there's no mention of weapons in these end times battles because it doesn't matter. It's all just going to be destroyed by the Word of God. So all that to say this, God could destroy anyone anywhere at any time. He has all power to destroy and He has all power to create, as we see in Genesis chapter 1 with the creation story. So the question is this, turn to John chapter, actually don't turn, I'll just read you a quote from it. The question is this. You say, I know that God's all powerful. Let's just pray and have some fellowship. But the question that arises ultimately with people and many people that are unsaved and maybe we don't explain it well enough to people who are unsaved is okay, if God is all powerful, and I believe that even a lot of unsaved people would say that and would believe that. But a lot of people have a question in their mind that if God is all powerful, why does, you know, where, why does God allow evil to exist? Why does God allow evil things in the world? And the first thing that you have to kind of extrapolate from that question is we have to first realize where evil comes from. You know, the Bible tells us evil does not come from God. Evil comes from Satan. The Bible says in John chapter 8 that Satan was a murderer from the beginning. He's the father of all lives. He's the one that brought, that convinced man. He rebelled against God and then he convinced man to sin against God. He subtly convinced Eve in the garden who convinced her husband to go against God and to commit sin and then guess what happened? With sin in Romans chapter 5, death entered through sin. So death entered the world because of sin and Satan was the core cause of that curse. So evil is not God. That is the first thing that we need to understand. Satan is here. He is real and there are many angels that followed him. A third of the angels followed Satan. So the question is, okay, Satan's here. That's where evil comes from. But this God that is, that we serve that's all powerful that could destroy any army at any time, at any place. Why does he allow evil to exist? Why are there murderers? Look, this is a stumbling block for people. This is a stumbling block for people to even get saved. This is a stumbling block for people that have had bad things happen to them or people that they love in their life. They're like, how could God allow that thing to happen to my friend or to my child or whatever? I mean look, there's murderers, there's child abusers, there's all kinds of wicked evil people on this earth now. So the question is, why doesn't God just destroy all the evil? Why doesn't God just take care of that as it occurs? As people follow Satan. I want to show you just a couple things this evening. How that idea of God just immediately destroying evil would completely contradict free will and completely contradict this idea that God wants us to choose him. Turn to Deuteronomy chapter number 30. The Bible teaches again and again that God wants us to choose. We have a choice between evil, between really it comes down to choosing God or choosing Satan. And if you reject Jesus Christ, ultimately you have chosen Satan at that point. Look at Deuteronomy chapter 30 and verse number 19. Look at Deuteronomy chapter 30 and look at verse number 19. The first point is we need to choose.  This really encompasses the whole condition of man right here. Blessing and cursing. And then God says this. He says, therefore choose life that both thou and thy seed may live. Look folks, when you go up to somebody and you offer to preach the gospel to them to show them how they can know for sure that they're on their way to heaven from the Bible and they have no interest in that they are choosing death. They are not choosing life which is death. They are choosing cursing.  They just wanted to keep watching the game. They just chose death. And I'm not saying and hopefully every single person that rejects that at the door, hopefully they get another chance but there's no guarantee that they will. And there's definitely no guarantee that if they do get another chance that at that point they won't choose death again. But make no mistake when you walk up to somebody and you offer to preach the gospel to them and they do not have time or they have no interest they have chosen death because death is their current state. Death is default. Because of Satan death entered the world through sin. Look at Proverbs chapter 16 and verse number nine. Proverbs chapter 16 and verse number nine.  God wants us, he literally is telling us in the Bible to choose him. He is telling us over and over in the Bible there is death out there. There is sin out there. That is your default state. Choose life. He's talking to the nation in Deuteronomy chapter 30. He's saying hey, as a nation. And we'll talk about that in just a few minutes. But he's saying as a nation follow me. Listen to what I'm telling you and follow my words. That's life for your nation or you could choose death for your nation. Look at Proverbs 16 verse nine. Proverbs 16 verse number nine. The Bible says a man's heart devises his way but the Lord directed his steps. God tells us what to do. He wants us to choose him by our own free will and he tells us how to do it. How to do what? How to do everything. He tells us how to be saved. He tells us how to be passed from death to life. He shows us life. He gave us the way to life and he tells us choose life. But then guess what?  He teaches us how to deal with the evil in the world, in the Bible. So he knows that not everybody is going to choose life. He knows that evil will exist. So in the Bible he teaches us and he tells us what to do with evil. Very clearly. I was just reading a story last week and this is not a unique story that we hear today. I hear a story, read a story today of people wonder how these evil things could be in the world today. There was a flight attendant who was secretly videotaping children in a bathroom on the plane and he got caught. He got caught. And I mean thank God he got caught but I mean my thought is like what has he not been caught for? But you have to understand that God has taught us how to deal with evil. It's just we don't listen. We don't listen to God.  And why doesn't God deal with this? God told us how to deal with it. In cases like this in God's government someone like that would not exist. Folks that is not a natural thing. That is not there's a lot of things that maybe you know sins that normal people in this church and men and women and in normal life struggle with. But that's why in Romans chapter one you really have to pay attention to that word nature, natural, unnatural. Because that's not something that everybody struggles with and God tells us how to deal with that. But we don't listen. So that evil exists. So I mean here's some rocket science for you tonight. If you don't punish evil you get more of it. Like whoa listen up every leader of everything. In what nation? In all nations. If you don't punish evil you get more of it. Here's another one. Let's get crazier. If you encourage evil you get more of it. If you celebrate evil you get more of it. So let's celebrate evil and then evil happens and we're like oh how could God allow that? No he told you what to do and you're not doing it. He told you what to do and you're celebrating it.  Then people blame God for the consequences. You see how if you logically think this one through it just doesn't pan out? I mean the Bible, I mean you pay someone not to work and then nobody wants to go to work. It's like what's going on? Who's in charge of a bunch of four-year-olds? Do you ever wonder that? Like who's in charge? Who's running things? Are they three? Are they? We should just let the kids run the show. Let's let the kids of this church run the country. It would be better. Like pay people to be single and have children? You're like why is no one getting married? Why are more and more people, why are more and more women single mothers? I mean why? Why is that happening? Why are more people doing it? Because we're encouraging it. Take away consequences for sin, stealing, whatever. You get more of it. More sin. I mean like I said, let's put the eight-year-olds in charge. It will be better off. I mean turn a Deuteronomy chapter 21. See people think, whenever people think that the Bible is harsh or people that hate the Bible and hate the Word of God, they point to this one a lot. But turn a Deuteronomy chapter 21. And let me just explain the logic of this and how everybody misses what God is trying to do here. But the point is if you take away consequences for anything, you get more of that thing. I mean if you take away consequences for any kind of sin or any kind of evil, you're just going to get more of it. I mean this is not hard. Deuteronomy chapter 21 is pointed to by a lot of people that just hate the Bible and hate the Word of God. They're like, see the Bible says you should execute your kids. Look at Deuteronomy 21 in verse number 18. The Bible says if a man have a stubborn and rebellious son which will not obey the voice of his father or the voice of his mother and that when they have chast, chastened him, will not hearken unto them.  This was the civil law. This was the civil law in the nation of Israel that we're reading here. This is what happened. And they shall say unto the elders of the city, this is our son. And we get some more detail about this son here in this verse. It says this is our son. This our son is stubborn and rebellious. So this son, it's not like he's just like listening to his music too loud.  And you know, look, it says he will not obey our voice. He is a glutton and a drunkard. And then all the men of the city shall stone him with stones that he died. So shall they put evil away from among you, and all Israel shall hear and fear.  Obey your parents. And this is just backup to that in the civil law. So this guy's a glutton. He's a drunkard. This kid is out of control and he won't listen to anybody.  Guess what? I bet that didn't happen much. See, here's what people miss. Here's what people miss. This is a big misunderstanding about this. In verse number 20, notice it says he's a glutton and a drunkard. This is your drug addict today that is out there completely out of control. See, verse number 20 and the lesson of this chapter, this section of verses, this law, it's not about this kid. This is why people here preaching from the Bible or this is why a lot of preachers, they won't preach on divorce or they won't preach on certain sins because they're like, oh, I don't want to preach on sins that people in the church might have committed or whatever. Because look, you're divorced, you're divorced. But see, it's about the people that aren't divorced. It's about the kid that's not ruined. That's what this is about. How about that? How about if this, see, this would save kids today. I looked at the stats and you'll hear, you know, it's an election year. So all you hear about is fentanyl crisis, the fentanyl crisis. And what does that mean? It's the border. The fentanyl crisis, we have to fix the border, all this stuff. And I'll look, I don't know. I'm sure the border needs to be fixed.  Kids are dying of fentanyl because they're heroin addicts. They're drunkards. They're already hooked on heroin. And this extremely toxic substance, which I'm sure heroin is toxic too, but it's like a hundred times more toxic than heroin. The drug dealers are mixing it in to try to save money so they don't have to use as much heroin and they mix it in with the pills. And you know, I guess you just can't trust the quality control of your average alley drug dealer because these kids and look, these adults and these people that are heroin addicts, they're getting a pill that has like way too much fentanyl in it and just like killing them because it's super toxic and it's super dangerous. It's a, it's a synthetic heroin that's cheaper and they can save money on and they mix it wrong or that, you know, you don't know what you're taking or whatever and then you die. But hey, how about this?  Don't have a child. You have a hundred percent chance of not having your child die of fentanyl overdose if he's not a drunkard. Look, Deuteronomy 21 and verse number 20 is mercy today. 1,500 kids under the age of 20 died in 2021. And I don't know what the number in 2022 is and 2023 is, but that 1,500 in the United States, that is a four times increase over what the number was in 2019. So we're getting more kids that are heroin addicts, more and more and more. Why? Because there's no consequences. So there's no consequences. So you get these horrible situations. Look, I bet you Deuteronomy 21, 18 through 21 did not happen a lot. But you know what? It saved a lot of lives. It saved a lot of kids. You know what? I don't think this was an eight-year old that we're talking about in Deuteronomy 21 either. We're talking about someone who's in their late teens, probably younger than 20, but in their late teens. Look, you find kids today that are murdering kids by the time they're 14, by the time they're 12. Kids can be dangerous. These kids that are going in and shooting up schools, a lot of them aren't even 20. They're doing some of these things. So you think that's better to just have no consequences for anything? It's not about, look, it's all about the kid who isn't ruined yet. It's about saving him. That's the Bible. That's the consequences. It's not to beat down somebody who's already done some sin.  Get that right, confess it, and move on in your life. It's about the people who are struggling in their marriage and thinking about going into that and doing that terrible sin. It's about saving them.  We just don't listen to him. We think our way is better. So we'll literally have hundreds of thousands of people die of fentanyl overdoses in every single year. It's crazy. It's crazy.  It's insane. Why? Because people are drug addicts. They're not accidentally tripping over it. It's not in tic-tac containers or something. It's drugs. It's things that they're doing that they already shouldn't be doing. But we don't listen. We don't listen. We take away all the consequences for everything in our country, and then things get worse, and worse, and worse, and then we blame God. We say, oh, God's not powerful enough, or God's not stepping in. God, maybe he is powerful, but why isn't he stepping in? Why don't you listen to him? He told us everything. Turn to Luke chapter 17. So number one, we have free will. He wants us to choose. He wants us to choose evil, or he wants us to choose him over evil. Satan is out there, and he is allowed to operate right now. Satan is allowed to operate right now. Look, God is going to take care of Satan. You just saw that in Revelation chapter 19. He is going to pay the ultimate price. But the second thing is, we don't listen to what God says on how to deal with evil. So don't blame God for the fact that evil is running rampant in our societies today. Here's the third one. God is all-powerful to dispense perfect judgment. Look at Luke chapter 17, and God will dispense perfect judgment. Luke 17, look at verse number two. I mean, specifically talking about children or the innocent, it says it would be better for him that a millstone were hanged about his neck and cast into the sea than that he should offend one of these little ones. Let's talk about somebody who would commit an offense against the child. God saying it would be better if they were just killed, because when I get them, it's going to be way worse than that. In second Timothy chapter four, in verse number eight, the Bible says, Henceforth there is laid up for me a crown of righteousness which the Lord, the righteous judge shall give me at that day. So the point is this. We just have to have faith that God is the righteous judge as he says he is. That means God is the perfect judge. That means no one is getting away with anything. Even though it may appear that evil is running rampant, it's mostly our fault that we are not doing what God told us to do. I mean, he literally told us to choose him, and people didn't choose him, and then we don't manage things the way he tells us to manage them. But the point is, even after all of that failure, God is the perfect judge, and he will take care of everything perfectly. He will not forget or leave anyone out. It's not going to be like these stories you hear today where, oh, this guy did this terrible crime, and then he was let out in six months. I mean, how many stories do you hear like that today? He got some judge that just gave him like a month for killing somebody, or something. I mean, crazy stories you hear today where people are just let out of prison or they're just not punished at all for what they did. That will not happen even one time with God. Every single person will get what they have coming. And look, the punishment, I mean, the Bible says in Romans 12 it says avenge not yourselves. It says, you know, give place under wrath. It's like, just put that away, put it in the right place. The wrath is mine, God is saying. It says, for it is written, vengeance is mine, I will repay, sayeth the Lord. The judgment that God will pass, the punishment will be harsher than anything we could imagine. So that's what people need to realize when they have someone, someone that's not saved, that has someone in their life that something very evil or some very evil person has done something bad to them or maybe murdered someone in their family. All they need to understand is that God will repay. They need to have that faith. God tells us that I will take care of it. I am the righteous judge, the perfect judge.   God is going to make these people suffer for eternity for the evil that they have done well on this earth. It's going to be perfect and complete. Look, that takes faith.  Personally, that will take faith to just take God at His Word. But that's really all you have to do is take God at His Word because He tells you that. Look at Psalm chapter 7. Well, I mean, I'll just read it for you. Psalm chapter 7, verse number 11 says, God's angry with the wicked every day. I mean, He's just, He's angry with the wicked every day and eventually He will pour out His wrath and everyone will pay in a perfect, righteous way. That is very clear in the Bible. Turn to Psalm chapter 110. So the question is, so that's why, you know, Satan is allowed to operate. And don't think that you say, well, why does God allow him to operate for such a certain period of time? And all these things. Look, who are you? Who are you to say what God should do and what the timeline should be? I mean, who in the world do we think we are? If we ask questions like that, God's the perfect judge. Whatever He does, whatever timeframes that He does and whatever He does get involved in or doesn't get involved in, He's right. That's what we need to understand. But look, so the question is, where does God get involved? He is all powerful. Does He get involved? And the answer is yes. Look at Psalm chapter 110 and verse number 5. Psalm chapter 110 and verse number 5. With the individual, God wants every individual to choose Him. Even though there's people that are going to show up to these battles, that are going to hate the Lord, that are going to totally turn against God, God wanted at one time for them to choose Him and not Satan. Every single person. So God at one time wanted every single person to choose Him. There are people that got to that point where God just rejected them. Not to preach that sermon. That's individuals though. But God is very clear in the Bible and we just see example after example after example in the Bible that the judgment of nations happens on this earth. Look at Psalm chapter 110 in verse number 5. The Bible says this. It says, The Lord at thy right hand shall strike through kings in the day of his wrath. He shall judge among the heathen. He shall fill the places with dead bodies. He shall wound the heads over many countries. Look, God pours out his wrath on nations not just in the end times. Turn to Genesis chapter 15. So a lot of people ask the question, are we in the end times? Are the end times coming? A lot of Christians today, a lot of people that are reading the Bible seeing things that happen today, they ask the question, do you think the end times will be in the next 20 years? Do you think the end times are in the next 10 years? When do you think the end times are going to be? Look at Genesis chapter 15 in verse number 13. And I'm going to show you why I think that's the wrong question. Look at Genesis 15-13. The Bible says, And he said unto Abram, No of assurity, God is telling Abram a prophecy of what's going to happen to his people here. No of assurity that thy seed shall be a stranger in the land that is not theirs, and shall serve them, and they shall afflict them 400 years. He's talking about the Egyptian slavery here. And also that nation whom they shall serve will I judge, and afterward shall they come out with great substance. So God is literally saying here that the nation of Egypt that takes the nation of Israel captive, God is going to judge them. And he's going to free the people. He's telling Abram this. This is hundreds of years before Moses. This is hundreds of years before the Egyptian captivity.  Nations are judged on this earth. And that look, that's the thing. If anything keeps me up at night, that's what it is right there. It's not, are we in the end times or not? Look, it's really irrelevant whether we be in the end times or not. In my personal opinion, it's completely the wrong question. I mean, here's another AI thought for you. There's this idea of AI, and it's been bouncing around in my head for the last week. But there's this idea like, oh, we're going to have this neural link technology, and it's going to basically, so you don't have to use a keyboard anymore, and it's just going to basically connect AI directly to your brain. So this bandwidth problem of having to slowly connect with this intelligence is going to be solved. But the problem is, even if AI was attached to the consciousness of a normal person, where are they going to be just really good at trivia? They're just going to know every trivia question. Because really the problem with people is people don't know what the right questions to ask are. You see what I mean? People don't even know what the right thing to search for on the internet. The information's already available. People just don't know what to go get. This is the problem. It's not going to suddenly solve that for them just by solving a bandwidth problem. So again, back to the right question. Are we in the end times is the wrong question. The right question is this. The right question is this. Do we as a nation deserve judgment? Oh, that's the right question right there.  Nations, God takes care of them here. And He not only tells us that in the Bible again and again and again, but He demonstrates it in the Bible over and over and over. Not just the nation of Israel. All these nations that are surrounded by the nation of Israel that take advantage of the nation of Israel that are just anywhere around that do the wrong thing, that turn against the Lord. God judges them all at that time. He judges them on this earth. Look, this used to be common knowledge. There's a famous quote by Thomas Jefferson, who's not a Bible-believing Christian by the way, but it was a famous quote by Thomas Jefferson just talking about the evils and the immorality of slavery and what was going on. And he said, indeed, listen, listen to what he said in the mid 17th century or 18th century. Indeed, I tremble from my country when I reflect that God is just and that His justice cannot sleep forever. Even somebody that wasn't even saved and didn't even believe in Jesus or even believed the Bible for that matter knew that there was a God that was a just judge. But have we just forgotten this today?  And then he tells us, I'm going to judge you the same way. So it literally applies to every nation in the Bible and any nation that reads it. Any king that reads it can know that his nation that he runs in 2022 or 2023 or 2024 or 2340, whatever the date is, that king knows that his nation will be judged on this earth by this all-powerful God. Just using the Bible right in front of us. We know that. So look, yeah, God intervenes. God intervenes because He comes here and He judges nations for what they deserve. Turn to Matthew chapter 6. Here's another way God intervenes with His power. God intervenes. Turn to Matthew chapter 6. God intervenes on behalf of the kingdom of heaven all the time, on this earth now. What do I mean by that? Well, let's look at what Jesus says. This is a Bible verse, a passage in the Bible in Matthew chapter 6 here that was largely ruined for me as a child because I had to memorize it and say it again and again and again and chant it. You know, it became a vain repetition for me called the Lord's Prayer. But if you actually read it and see what Jesus is saying, Jesus isn't saying, chant these words. As a matter of fact, right before this, He says, don't do vain repetitions. But He's not saying, chant these words. He's saying, this is the type of prayer that you should have. This is what a prayer, Jesus is telling you, this is the model of a prayer. Why is Jesus saying that? He's saying, this is what God wants you to ask for. Meaning what? This is what God will respond to. This is what God will step in and move for you for. Look at verse number 9 of Matthew chapter 6. The ultimate intervention and interventions that you will see in your life all the time are getting man into the kingdom of heaven. Look at Matthew chapter 6 and verse number 9. It says, after this manner, therefore, pray ye. Our Father which art in heaven, how would be thy name? Starting out with a nice introduction there. But now look at verse number 10. Thy kingdom come. Who is thy? Thy th is singular. Thy means God. He is saying, talking to God, your Father in heaven. He's saying, thy kingdom come. Thy will be done in earth as it is in heaven. So He's saying when you pray, pray for God's kingdom and pray for God's will. God hears the prayers of the saved, especially concerning the kingdom of heaven. Is what Jesus is trying to explain to us here. Jesus is saying, if you pray according to God's will and according to the kingdom of heaven, God is going to answer your prayer.  And you're like, well, every prayer that I have is not in line with God's will or the kingdom of heaven. You've got a problem. You've got a problem. You need to get your prayers in line, get your wants. I mean, first of all, that's a problem for you as a Christian.  There's a major problem there. You need to figure out how to get your will in line with the Holy Spirit inside you, which is God's will. That's why God gives you this intercessor. Is that even a word?  That's another aspect of the Holy Spirit. But the point is, get in line with God's will. God's will is that all men would be saved, that the kingdom of heaven would be open to more and more people, that more people would get saved. And God will answer those prayers. That's what Jesus is saying in Matthew chapter 6. God intervenes in every city.  And if that's the way we're living our life according to the Bible, our will will be in line with the Spirit within us, with God's will. So look, there's a high likelihood of intervention there, that God is going to come in and use that power. And let me just tell you, as a testimonial, whenever I have prayed, and I was kind of cynical about this in my 20s, even before I was saved, I was like, yeah, God doesn't really do anything. You kind of got to do your own thing and all this. But let me tell you something. You get saved and you start praying in line with God's will and you're going to see things move because God will move things because he can do whatever he wants. He can make what... I'm talking about real things happening on this earth for you. Doors opening, doors closing, things happening, people getting saved. I'm going to tell a story from yesterday. I'm just going to tell a story from yesterday. Here's a perfect example of this and I'm sure many of you have these examples. I've got somebody preaching the gospel over here in my group and I've got this Ella preaching the gospel over here. Both are within 30 feet of me and I'm sitting there and I'm trying not to be in the way, our soul winning tip from today. I'm trying to just kind of make myself small and be a good silent partner and I'm just... I'm sitting there and I'm being a good silent partner. What am I doing? I'm praying. I'm praying that both of these soul winners would be filled with the Holy Spirit. I'm like, Lord, fill these two with the Holy Spirit. Give them the words to say, help these people recognize that Spirit. Help these people be attentive and I'm just really praying hard about this and all of a sudden I just look up from my prayer. I'm done praying.  And he's like, and I walk up and talk to him and he ends up getting saved too. But this is the kind of thing when you're just praying. God's just going to open some more doors for these soul winners out there. Here's some people, what are they doing? They're fighting for the kingdom of heaven. They're out there preaching my word. They're out there doing what they're supposed to do. He's like, I'm going to open some more doors for these people. I'm going to help. I'm going to get in and I'm going to intervene. All three of these people get saved. Not through us, but just through the will of God, the word of God. Look, when you get your will in line with God and then you pray along those lines, you will see God move in your life. 100%. Coming from a guy who before he was saved didn't think God did that. But he does.  He would just destroy Satan right away. But it's antithetical to the free will that we have. God wants us to choose him. And then we have the instructions to rule the way we are supposed to rule, but we just don't listen. So we can't blame God. That doesn't mean God isn't all powerful. It just means we aren't listening. We aren't choosing and we aren't listening. We just have to have faith that he will in the end make everything right and just and look, his timing is his timing. And we can't start to think that, look, God is, I know, here's what I know. I know God is more merciful than I am. I know God is long suffering. So long suffering goes with evil existing at the same time. If God just came here and just destroyed the United States of America tomorrow. And you know what? If he did that, he's right because we deserve it. But if he did that, guess what? Less people would get saved next week. You know, he would just end it at that point. Instead, he wants more people to get saved. He's having mercy. He's having mercy. Turn to Deuteronomy chapter 19. But look, he's merciful, but his mercy, here's what really scares me. His mercy has limits, and that's what we see in the Bible, especially, especially look at Deuteronomy chapter 19 in verse number, Deuteronomy chapter 19, look at verse number 10. Deuteronomy chapter 19, look at verse number 10. It says, look at this. It says, the innocent blood shall not be shed in thy land, which the Lord thy God given thee for an inheritance, and so blood be upon thee.  Turn to Second Kings chapter 21. Turn to Second Kings chapter 21. This is repeated again and again in the Bible. God tells them not to do it in Deuteronomy chapter 19, and then they literally do it in Second Kings chapter number 21, and then God tells them what's going to happen, and then we see throughout history what actually did happen. Look at Second Kings chapter 21. Second Kings chapter 21, look at verse number 16. He said, don't shed innocent blood. He says, moreover, Manasseh shed innocent blood very much till he had filled Jerusalem from one end to another. Besides his sin, his sin, were with him made Judah to sin in doing that which was evil in the sight of the Lord. It's talking about, he was out there and he was sacrificing children. He was sacrificing children to false gods on top of everything. Shedding innocent blood. In Nahum chapter 3 and verse number 1, I'll just read it for you.  Nahum was a prophet at this time. He was a prophet during the time of Manasseh, who was a king in the kingdom of Judah. Can you imagine a king in Judah doing this? And then 100 years later, Judah is judged through the Babylonian captivity. But look, God let it go on for a while. But God decided when the time of judgment came.  They prayed, the prayed departed not. The noise of the whip, the noise of the rattling of the wheels. And then verse number 5, he says, because of all these things, he goes on and on and on. But then in verse number 5, he says, behold, I am against thee, saith the Lord.  He's like, you're not going to be strong. You're not going to be respected. I'm going to just, you're going to be wiped out by me. He's saying, I'm just going to just completely take down your pride.  But look, folks, how many kids have we killed in this country? Sixty-some million?  I lose count. And here's the thing you need to understand.  And here's what we need to understand, because after Manasseh, like I said, this is really what, if anything keeps me up at night, it's not the end times. It's this. After Manasseh, you had some kings that got things right. But God said, that God said, because of what he did, you are going to suffer judgment. Because why? Because God's a righteous judge, and he doesn't forget anybody. He's not going to just forget judgment. That nation that did what Manasseh led them to do was going to suffer judgment. God is just. And his mercy is not going to, his wrath is coming at some point. If we stopped all abortion and all wickedness and turned back as a nation, you know what would happen? We would buy more time. We would buy more time to get more people saved. And that would be great. But the judgment is still coming. Because the price still needs to be paid. Because we have a righteous judge that's sitting over us all powerful. And that price is going to be paid to a level that we cannot comprehend. Anytime, anywhere, anybody, God can build up or tear down. Let me just give you one thing to think about on a personal note here. On an individual level, on this idea that God is all powerful. You're there in 2 Kings chapter 21. Turn to 2 Kings chapter number 20. We're talking about health and wellness. And I don't know why, but in the United States today, there's this idea of maybe it's because certain generations are getting older and there's this idea of just longevity. And these people that are creating have all this money you want to live forever. No one's going to live forever. But let me give you a longevity plan for you as a saved believer. I actually think that of all the people, of all the people between, if you just look at people that are saved and unsaved, then of course you have the enemies of God. So you have this small sliver of people, maybe 1 or 2% that's saved. Then you have the vast majority of the population, maybe 98%, 97% of people that are just right there in the middle. They're just not saved. Then you have the 1 or 2 or whatever percentage is that just hate the Lord, which that number is growing because again, there's no consequences to hating the Lord anymore. But you have this group of people in the center. I actually think that the people that should take the idea that God is all powerful the most seriously is us. I actually think we are the ones that can receive probably the most blessings and the most cursings from it. So here's your longevity plan. Look at 2 Kings chapter number 20. 2 Kings chapter number 20. We have a great story here on longevity for the Christian. Hezekiah, who was generally a good king. Hezekiah was a good king.  I mean, he kind of got a little braggy and things like that, but he was a good king. Look at verse number 1 of 2 Kings chapter 20. It says, in those days was Hezekiah sick unto death.  That's not really what you want to hear from the man of God.   Then he turned his face to the wall and prayed unto the Lord saying, look what he says in verse number 3. I beseech thee. He said, I beg you, O Lord, remember now how I have walked before thee in truth and with a perfect heart. Now, what if he lived a wicked life? What would he say at this moment if he lived a wicked life and just spat in the face of the Lord for his entire reign of his kingdom? But he didn't. He's just, what's he doing? He's praying to God. He's just reminding God, Lord, I've served your kingdom. Lord, I've done your will. That's what he's saying. He's just saying the truth. He's a good king. I've walked before thee in truth with a perfect heart and have done that which is good in thy sight. And Hezekiah wept sore. And it came to pass before Isaiah was gone out in the middle of the court. The word of the Lord came unto him saying, Turn again and tell Hezekiah the captain of my people. Thus saith the Lord, the God of David thy father. I have heard thy prayer. I have seen thy tears. And I will heal thee. In the third day thou shalt go up into the house of the Lord and I will add unto thee 15 years. Here's your longevity plan as a Christian to the Lord that you serve, to the Lord that has all power, that can do whatever he wants whenever he wants to anyone that he wants. You know what? Why don't you do something in your life that is in the will of God? Why don't you stay in the will of God so God looks at you? Because look, guess what, folks? We're in a fallen creation here. People get sick. Bodies break down. Diseases happen. Cancer happens. All these things happen.  That's somebody maybe ought to keep around for a little while. Why don't you be this profitable Christian where God looks down and maybe you're in a situation where your life is in danger and God's like, you know what? This guy is killing it for the kingdom of God and maybe I need to intervene here. That's what he did for Hezekiah. Hezekiah said, I walked in your way. I walked in your will. Please, you know, save me. God's like, yeah, you're right, okay. That's your longevity plan. Look, go sit in ice cubes if you want. But your real longevity plan should be to just be in the will of God. You know, you should just set a goal to try to, you know what? I'm going to be such a soldier for Christ in my life that, first of all, I think if you want to live like, if your goal is to just live as long as possible, I think that's like a misguided goal in general. But just in general, if you just want to serve the Lord with your life and you're actually doing that over what? Over time. Like guess what? Like it is your life. That's a pretty good longevity plan. That's pretty good because God's going to look at you and when you have something to pray about saying, God save me. God help me. Give God a reason. Give God a reason. Just live this selfish life.  And then they, you know, they're 911 Christians. They only call God when they got an emergency. They don't do anything for the kingdom of God.  And God's like, why?  You're already going to heaven. What more do you want from me? You're not doing anything for me down there. Think of the logic of it. It just makes sense. The best longevity plan is to just serve the Lord with your life. And guess what? He'll give you joy through that. He'll give you all kinds of blessings through that. And you know what? Maybe He'll keep you around for a while. Just a thought. Just a thought. God's all powerful. He can intervene whenever He wants to. My personal thought is, let's just give Him a reason to. And have our lives be in His will. And look, you'll see those things in your life. If your will is in line with God's will, you definitely will see Him moving in your life. And it's really cool when you see those things. Let's bow our heads and have a word of prayer.


and welcome to another 2 p.m. update here tf and in with me David white we've got a market that's for the most part pretty flat the dows down almost 1% then Nasdaq up 3 tenths of a percent but you know when you actually go to something that is statistically relevant in the stock market if there was say there are 5500 stocks that trade over 300,000 shares a day so they're actually somewhat liquid what number of those would actually be significant kind of like you go and ask five people who's going to be the next president and then you put a poll on the front of your newspaper saying that mr. X or Mrs. Y it's going to be president does it even matter well Dow 30 stocks 95% institutionally owned there's only about 5% that's ever traded so is that significant probably not the entrances are just extremely narrow both in and out the S&P at 500 well if you actually do the statistics plus or five plus or minus 5% that number comes out to about 330,340 something like that so an S&P 500 stock collection should be rather significant compared to what's everything has happened if you're looking for some kind of aggregate score for that so you've got that Nasdaq 100 six of the stocks make up last time I look six of the stocks made up 60% of the entire index well you can probably throw that the Nasdaq 100 now when you look at the Nasdaq composite 2500 stocks I'd use that a lot more if you're looking for some kind of trend unless you're playing the six stocks that are 60% of the Nasdaq 100 so you don't have a lot there anyway we hit higher levels in the S&P there's a massive resistance level just above it as shown in the options the question is whether or not we can hold this up through Friday with a bias that's significantly lower by maybe a hundred points in the S&P 500 we'll be back in just a minute for the full show so hang on the reality is that navigating financial markets can be risky markets can be chaotic and difficult to understand


World number one, Norval Djokovic has claimed his first title in over six months after beating Stefano Ceciper's six-love-seven-search to win the Italian Open on Sunday. Djokovic did not drop a set on the routes to the final in Rome, having picked up his one-thousandth tour-level victory by beating Casper Rood in the semi-final to book a clatter at Ceciper's, a repeat of last year's French Open final, which the Serb won. A sixth successive win for Djokovic over his Greek opponent looked inevitable as he stomped through the full set with a blistering display of heated to which Ceciper's had no answer. Now Ceciper says name wrong around Campo Centrale in the fourth game of the second set. However, an unforced error from Djokovic gave the Greek player two-break points. The first of which he converted to take a 3-1 lead in the set. After Ceciper's hurts to make it 4-1, Djokovic then opt in a gear winning five of the next seven games to take it to a tie-break before selling his sixth Italian Open title and first since winning the Paris Masters in November. Please do subscribe to our YouTube channel and don't forget to hit the notification button so you get notified about fresh news updates.