Oh, have your way this morning, Lord God. Have your way, Lord God. Receive our praise. I will worship Lord God. In the name of Jesus, Lord God. Annoy the message of Lord God. As he come forth, Lord God. With your word. With the said the Lord, Lord God. Help us this morning, Lord God. To continue, Lord God. To apply your word, Lord God. To all eyes, Lord God. In the name of Jesus, Lord God. Help us, Lord God. Deliver holy and righteous life before you, Lord God. In the name of Jesus, Lord God. Lord, you said for us to draw nigh unto you, Lord God. As you continue, Lord God. To draw nigh unto us, Lord God. In the name of Jesus, Lord God. Hallelujah, Lord Jesus. Hallelujah, Lord God. Hallelujah. Each and every one of us should have a hallelujah in our spirit. Hallelujah, Lord God. Hallelujah. Oh, praise your name. Bless your name, Lord God. In Jesus' name, Lord God. In Jesus' name, we pray. Let every heart. Lord, everybody. I'm going to be reading the scripture. I'm going to be reading from Psalms number three. Amen. If you have it, you can read along with me. I read and you just kind of read along. Lord, there trouble me. Many a day that rise up against me. Many there be which say of my soul, there is no help for him in God. Selah. But thou, O Lord, are a shield for me. My glory and the lifter of my head. Hallelujah. I cry unto the Lord with my voice and he heard me out of his holy hill. Selah. I lay down and slept. I wait for the Lord sustain me. I will not be afraid of 10,000 of people that have set themselves against me round about. Arise, O Lord. Save me, O my God. For thou hast spent all my enemies upon the cheekbone. Thou hast broken the teeth of the ungodly. Salvation belongs unto the Lord. Thy blessing is upon the Lord, O my people. Selah. Let's say amen for the reading of the word. Hallelujah. Hallelujah. Hallelujah. Hallelujah. Hallelujah. The Lord is in the house this morning. Hallelujah. And we come to give him glory and honor and praise. Hallelujah. There's joy here. There's peace here. There's love, salvation, whatever you need. It's in the house of the Lord this morning. Thank you, Jesus. We worship the God who was. We worship the God who is.  He opened the prison doors. He parted the raging sea. My God, He holds a victory in. There's joy today and we won't be quiet. We're going to shout out your praise. There's joy. We'll be quiet. We're going to shout out your praise. There's joy. All the glory belongs. I worship the Lord in the beauty of His holiness. All the glory belongs to you. All the glory belongs. Hallelujah. Hallelujah. At this time we'll have our Bishop, Bishop Arling Alexander. Amen. Think of the goodness of Jesus. I want to sing a song that I know. I want to sing my experience. Every one of us, we were lost in our sin. Yes, come on. We were under a death penalty. The wages of sin is death. But the gift of God. Thank you, Jesus. But I'm a singer. I don't know the song. I can't sing with you. That's the sentiments of my heart today. I give God all that comes to me. All the glory that is belongs to... He earned it. He went to Calvary's trust. We might have a right to the tree of life. And He deserves all of my praise. He deserves all of your praise. He deserves every man's praise. I'm delighted to see each of you this morning. I'm glad we have some visitors. Mr. Maryland, can you introduce the congregation to my new niece? Glory. This is my Anthony. Your new niece. Amen. Now there's a little story. Yes, just go ahead. Have a word. Yes, I got to hear God all the things. Because without nothing, I think up this morning to come to this wonderful church. I don't feel like a stranger. I'm not shy at this time. I just think up. We cannot make it without Him. I'm looking for the word from you today. I have the Holy Ghost, but we got to keep on feeding it. We got to keep on going on in Jesus' land. We got to do His will. And sometimes we're going to fall, but we could get up there. That's right. So, one more thing. I just want to thank God for my family. Yes. I don't have blood families that love me, but there's a little story behind it. As I met her, Minister Maryland introduced me to her. And she was so warm and open. She was very open in her spirit. And we wound up having a mutual admiration society there for a moment. And she says, I feel like I could call you Uncle also. And so, Sister Maryland said, yes, we call him Uncle Bishop. So, I'm glad to have you with us. I'm glad to see each of you who are here today. I can say with surety that the Lord is going to meet each of our needs on today as we open our hearts and our spirits to hear what He has to say. Now, Mies, you're going to have to come back another time because I'm not the preacher for today. Amen. Anybody glad to see Elder Ross in the house today? Elder Ross has been absent from us for a number of weeks. And he expressed to me, I can't stand it no more. I thought the scripture is saying it's just like fire.  And that's what Elder Ross was experiencing. Experiencing that move of God on the inside that he couldn't contain. I consented for him to come out today. We're going to send him back after the day until he's fully delivered. Come on, come on. Do you know God can do it? Do you know that God is able? It's my delight, it's my privilege to present to you this morning of the Kevin Ross who's going to do our solo for the morning. Then he's going to preach the word of God to us. Let's receive him with a hearty amen. Praise the Lord, praise the Lord. I give honor to the bishop and the first lady and the ministers. You don't know how glad I am to be in the house. Been through some hard times, but you know what? One day in our court it's better than a thousand out there. Someone said, I was glad when they said to me, let's go to church. He's a faithful God. He's a faithful God. Oh, that means we praise the Lord. But his goodness is wonderful works. Tell somebody next to you, you're wonderful work. I've had some good days. I've had some heels to climb. I've had some weary days. Had some sleepless nights. But weighing things over all of my good day, I'll weigh my bad day. Sometimes the clouds hang low and it's hard to see the question, Lord. So much pain, so much pain. But he knows what's best for me. With my weary eyes, they cannot see. And so I'll say, hey, thank you, Lord. I won't couple ain't just God. Been good to me more than this world could ever turn my me in today. So I'll say thank you, Lord. I'll say thank you, Lord. I'll say thank you, Lord. I won't couple ain't just God. More than this world could ever turn my me in today. And I'll say, hey, thank you, Lord. I'll say thank you. He's so sweet to trust in Jesus. Just to take him at his word. Just to rest upon his promise. Just to know the sheth, the Lord, singing with me. Say, Jesus, how I trust him. How I trust him. Say, Jesus, Jesus. I want to worship him. I can keep praising him. Lord, you are good. So very good. Lord, you are good. So good. So good. Father, we thank you because you've been so good to us. Hey, too many dangerous chores and snares have already come. But it was your grace, your mercy that brought us safe this far. And I am convinced that you will take us all the way with victory. Hey, hey, hey, hey. We bless you in Jesus' name. Gas prices are up. Food prices are up. Housing is up. Our wages stayed flat line. It didn't go down, but it stayed flat line. And everything else went up. But I've got good news today. I said, I've got good news today. Jehovah Jireh, the Lord I provided, he will, he will, he will, he will provide. Tell somebody God will provide. Say, like you may say, God will provide. Whatever you need. I don't care what it is. God says, I will supply all of your needs. Tell your neighbor, it's on the way. It's on the way, it's on the way, it's on the way. As I said in my scene, God said, tell the people, I'm going to take care of my people. Don't you worry about what you see? Don't worry about what's going on all around you. He says, I'm going to take care of my people. Jehovah Jireh, my provider, he will provide. And see, see, whatever you need in your life. Remember the words of that great songwriter that says, don't worry. Be happy. Tell somebody, don't worry. Be happy. See guys in control, you don't have to worry about it.  He's handled every situation. We're living in troubled times. I was sitting there and the Lord said, tell the people, even though that mass shooting that happened, stuff's happening all around.  Don't be afraid because you belong to me and I got your back. I supply everything that you need, including protection. You're safe. I like that. I watch baseball. They run around the corner and they slide in the home and the referee says, safe. God said, just safe today. Safe today. But you've got to know that you know that you know that you know that you know that you know that your future is as bright as the promises of God. He said, every promise in me is yay and amen. If God shed it, you can take it to the bank. Jesus said, I will supply all of your needs according to my riches in glory. So Jesus says, I, God, highest in rank, power and authority, the creator and sustainer of all things. He says, I will, I choose to supply all of your needs. Bishop, I tried to get deep. I went and got my book out. I looked it all up in the Greek. I looked it up in the Hebrew and all to my surprise means all. He says, I will supply all of your needs. Whatever you stand in need of, I will supply it.  Whatever you think you might need down the road, I've already supplied the need. So you've got to know that God is able to supply all that. And I was thinking about it, Bishop. I don't know anybody in my life that can supply all of my needs. The pocket's not deep enough. But I thought about Pastor Bobby that God, Jesus, he created the heavens and the earth. And in heaven they're walking on streets of gold, solid gold. And if they can walk on streets of gold, he can take care of me. He's got deep pockets. See, but you've got to know that God knows what you need. He knows when you need it. And he knows how to get it to you. I like that. Some people know what you need, but they can't give it to you. He knows what you need, when you need it, how to get it to you. See, sometimes I think I need it right now. And God said, wait a minute. And I think right now. And he says, wait a minute. And I start sweating because it don't look good. And he's still saying, wait a minute. I'm saying, come on. Come on, God. I said, right now. And just when I think it's too late, he says, now. He opens up a window. So we are serving Jehovah Jara, the Lord, that is our provider. And he will provide for me. He will provide for you. But you've got to make it personal. You've got to tell yourself that God will supply and provide just for me. You got to make it personal. You got to take the promises of God for yourself. And so, if you're taking notes, write this down. God's supply will always exceed your demand. I'll say it again. God's supply will always not just meet, but exceed your demands. Whatever it is that you need, he has more than enough. David said, thou anointest my head with oil. My cup runneth over. See, we serve the God of not just enough, but we serve the God of more than enough. David said, he fills my cup not to full capacity, but till it's running over. So he blessed me and made it so I can bless somebody else. So you need to get this before you get to the problem, before you get to the situation. God has already provided what you need before you get there. His name is Jehovah Jireh, which literally means the God that looks ahead and goes ahead and provides your needs. The thing about God, he lives in a three-dimensional situation. He lives in the past, the present, and the future. And since he lives in the past, the present, and the future, all at the same time, nothing catches him by surprise. It may catch you by surprise, but he says, I've already supplied everything that you need. Oh God, I don't know about you, but I'm feeling this thing. So I need some stuff in my life. Now let me make it clear that what you need and what I need may not always be money and stuff. See, we think if I have more money and more stuff, I'll be happy. But I have discovered that money cannot solve every problem in life.  If you married to somebody and got no peace, I don't care. And it seemed like the more money you got, the worse it is. Ask Johnny. Johnny Depp, he'll tell you about it. I should have said that. But y'all know she wrong. I'm staying out of that. I'm staying out of that. See, sometimes what you need is peace, and sometimes what you need is joy, and sometimes all you need is a pat on the back and a little encouragement. Sometimes you need some rest. The Bible said to labor, to enter into the rest of God. Oxima and labor, to enter into rest. But see, if I can labor in the Word of God, then I will enter into the rest of God. When I understand his word and when I know he will give me peace that passes all understanding in the middle of the storm, when everything is going crazy. Hey, when I don't know what to do, I can lean on him and trust in him and know that everything is going to be all right. A doctor a few weeks told me, he said, well, sir, you know, we might have to think about amputations. Oh no, I serve a God. He's able to do exceedingly, abundantly above all that I can ask or think. And this morning I had a nurse come to my house. He said, man, your foot looks better and better and better each day. But I know Jehovah Jireh, the Lord that provides. He provides healing. He provides deliverance. He provides break through everything that I need. See, I don't worry about it. I don't worry about it.  Let's turn to Luke chapter 12. Luke chapter 12 verse 28, 27 to 28. Let's start in verse 22. So he said unto his disciples, therefore I say unto you, take no thought for your life. What ye shall eat, neither for the body, what ye shall put on. Don't worry about what you're going to wear. 27 he says, consider the lilies. How they grow. They don't toil. They don't have a job. They don't spin.  And yet I say unto you that Solomon as cool as he was. See Solomon, he was God bless him. He had riches beyond riches and riches. And so I know the brother, he got his mac on every day. But he says Solomon and all of his glory was not a rage like one of these flowers. He said, and if God so clothed the grass, which today is in the field. And tomorrow cast him to the oven. How much more will he clothe you? Will God clothe you? Hey, he can't care of you. Watch over you. He'll prosper you. Then he says, oh ye of little faith. Verse 32 he says, fear not little flock. For it is your father's good pleasure. Hey, it's good pleasure. His great joy to give you the kingdom and those things in the parameter of the kingdom. So he says, fear not little flock. Fear not people of God. For it is your heavenly father's good pleasure. It's good pleasure. It's good pleasure. It's good pleasure. His great joy. He wants to do it for him. To give you the kingdom. To give you everything that you need. And Peter says that Jesus has given us all things that pertain to life and to godliness. So today in our text in Genesis chapter 22, here in our text, God has called for Abraham to sacrifice his son. That sounds good. He called for Abraham to kill his son. His only son. The son that he waited years and years to have. And now God is saying, I want you to offer this boy as a burnt offering unto me. So starting at verse three. Let's read. I'll read that.  And took two young men with him and Isaac his son. And he cut the wood and chopped the wood, got together, put it on the donkey for a burnt offering. And he rose up and went unto the place which the Lord had told him. And on the third day, something about the third day, I don't know, something about the third day. On the third day, Abraham lifted up his eyes and saw the place of far off. So Abraham has been traveling a significant three day journey already before he even saw where God wanted him to go. But he was moving in faith in the word of God.  So Abraham, he's talking faith talk because Abraham knows what he's getting ready to do.   So he said, me and the boy will be back after we worship. That's faith. I like that. So Abraham took the wood off the burnt offering and laid it upon his son. Now, if you have your Bible, if you're something that you can write an underlining, because I want to talk about that later. He laid it, took the wood for the burnt offering and laid it upon his son.  And they went both of them together. And Isaac spake unto Abraham his father and said, father. And he said, here am I, my son. And he said, behold the fire and the woods. But where is a lamb for a burnt offering? Hey, so Abraham is on his way to make sacrifice. He's headed to Mount Mariah.  I found it interesting as I was studying, it said on the very spot on Mount Mariah where Abraham was getting ready to sacrifice his son. You can look across in the distance and see Calvary, hallelujah, where the real lamb of God was going to be sacrificed. A type in the shadow of what was going to happen. A sneak preview, if you will, of what God was getting ready to do. And so in verse 8, Abraham, well, I'm sorry, Isaac says, father, we have the wood and we have the fire, but we don't have a lamb for sacrifice. Verse 8 says, and Abraham said, my son, God will provide himself a lamb for the burnt offering. And so they both went together. And so Isaac asked his father, where is the lamb? And Abraham again, he speaks great words of faith and he says, God will provide himself a lamb for the sacrifice. And so Abraham, he built an altar. Can you imagine the thoughts that was going through his head as he was building an altar?  Now he believed that God was going to raise him up from the dead, but my son is going to go through pain when I kill him. The pain and the agony that he's going to suffer. I can't imagine what he would, what he, the thoughts that was going through his mind. And then can you imagine he's thinking, my son is going to say, my father has betrayed me. But Abraham built the altar. And I want you to see this. So he has built an altar and he, now he ties of Isaac, his son. Now, we read back said, you have to understand Isaac was not a baby. See when I was growing up, I used to think Isaac was a baby. But as I studied, they said Isaac was somewhere between 13 and 30. I don't believe he was as young as 13 and I don't believe he was old as 30. But my point is Isaac was a man. He was a strong, healthy man. How do you know? He said, because his father put the wood that you're going to use to build an altar, enough wood to sacrifice a sacrifice. He could have, I believe, fought his father off. Because his father was over 100 years old. But Isaac was a willing sacrifice. And Isaac trusted his father enough to say, not my will, but I will be done. Do you trust God enough when you don't understand what's going on to submit to what God is doing to trust him? To say, I don't get it, but I trust you. I don't know, Bishop, if my father had to tie me up, we might have had to tussle. I love him, but I don't know if I love him like that. But he tied him up.  And the angel of the Lord said, Abraham, Abraham, do the harm, no land. Because now I know that you fear me.  Let me ask you again.  See, sometimes I don't act like that. Sometimes I don't act like I fear God because I don't always obey him, Pastor Bobby. I'm confessing, pray for me after service. But do you love God and trust God enough to obey God, even when it's uncomfortable? So he said, Abraham, don't do the land any harm. I said, so Abraham looked up and he found a ram caught up in some bushes by the horn. And he took the ram and sacrificed it up to the Lord and said that he called the place Jehovah Jireh. The Lord will provide. And the Lord told me to tell you today, people of God, he said, tell him that I am still a Jehovah Jireh. I am still the one who provides for you. I'll provide for you today. I'll take care of you today. Don't worry about the future. It's all in control. It's in control. The Lord said, if you have a need, find a promise in the word of God. Stand on that promise, confess it with your mouth. He said, pray about it. Praise about it. And then relax because it's on the way. Hey, it's on the way. Tell somebody it's on the way. Shout it's on the way. It's on the way. Healing is on the way. Your blessing is on the way. Your financial miracle. It's on the way. Your new house. Your new apartment. It's on the way. The new job, the promotion that God said for you with a raise. It's on the way. Your breakthrough. It's on the way.  It's on the way. Whatever you need. Whatever you need. Whatever God has promised you. It is on the way.  God will not let you down. Let me hear you shout. Supernatural provision. Sound like you're in a supernatural provision. It's on the way. It's on the way. It's on the way. Can't nobody stop it. Can't nobody block it. Can't nobody steal it. It's on the way. Daniel prayed. And for 21 days. It was on the way. See, sometimes we don't like to wait. We like it overnight. We live in a world with microwave and instant coffee. Women don't have to learn how to cook. All they have to do is roll up to McDonald's. Say, what are we going to have for dinner tonight? If you married somebody like that, I'm praying you'll strengthen the Lord. Every now and then, I got to have some greens and some pork chops. Sister Shah, she throw down. Girl, come on now. You're going to make somebody a good wife. He's going to say, not only is my wife pretty, that girl can cook. Lord have mercy. Make it feel like shouting. Make your brother feel like shouting up in here. Woo. I feel my help now. But the angel of the Lord showed up and said, Daniel, I heard you the first day that you prayed. But the Prince of Persia, he tried to stop me. He tried to block me. But it was on the way. It was on the way. It was on the way. And when God makes a promise to you to bless you. The Lord says, tell the people what I promise to bless them. To make room for the blessing. If God promised you a new flat screen, go in your living room. Start moving some stuff around. Figure out where you're going to play some new TV when it comes. Because it's on the way. If God promises you a new car. And by the way, he brought my car back. You know what? I stopped worrying about that. Because I don't even care when it's coming back. And the next day, someone brought my car to me. So if God promised you a new car, get that O'Raggedy car to driveway. The one that will run, sell it to the junk men. Clean out your driveway.  Because your new car is on the way.  Brothers, go get a haircut.  You know I'm right, come on. Charge up your laptop. Because you about to get busy up in here. See, make room for the blessing. Expect for God to do what he said. Get ready for the blessing. God said, enlarge your territory. Lift in your cord. Lodge in your tent. Because Jehovah Jireh. The Lord our provider. He will provide just for you. Your blessing is on the way. Your breakthrough is on the way. Your healing is on the way. Whatever you believe in God for, it's on the way. See, but this is part of the deal. You've got to believe God. You've got to trust God. You've got to expect for God to do what he said he was going to do. See, if you don't expect nothing, you won't get nothing. Jesus was constantly saying, be it unto you according to your expectations. The Bible said that the just, those of him born again, washed in the blood of Jesus and filled with the Holy Ghost, the just shall live by faith. See, my hope is built up. I'm nothing less than Jesus' blood. Than Jesus' blood and righteousness. I dare not trust the sweetest frame. But I'm holy leaning. 100% I'm leaning on Jesus' name. On Christ, the solid rock I stand on. All other ground is sinking sand. All other ground is sinking sand. I'm standing on the rock. I'm leaning on the rock. I'm trusting in the rock. And that rock is Jesus. He took him through the desert. They followed the rock. That rock was Christ Jesus. That rock is my Jehovah Jireh. And he will provide for me. See, I'm going to attest to my body right now. But I declare that Jehovah Jireh has already provided all the healing that I need. Even though I can't see it right now, I declare with my mouth, I believe that I'm healed in Jesus' name. It's on the way. It's on the way. See, I see myself running and jumping and shouting and twirling and praising God. I see it now. I'm not waiting for it. I see it now. I heard somebody say something and he just kind of knocked my socks off. I only wear one sock right now because I got my foot.  I'm sorry. Let me make it plain. He said, weeping man do it for night. But joy comes in the morning. And he said, don't fool yourself. Joy doesn't mean daylight. He said, five seconds after midnight is morning. And joy comes in the morning even when it don't look like it. Joy is there. See, I see myself running and jumping and praising God. I wanted to get up so bad today. I had to control myself doing service. Y'all, I wanted to shout all over this place. See, but I see myself running. I see myself dancing. I see myself shouting. I see myself praising God. And Pastor Bobby, I hear myself say, oops. He did it again. I needed a miracle. Oops, he did it again. I didn't know how it's going to make it. But oops, he did it again. Tell somebody, oops, he did it again. Oops, he did it again. I like that. Oh, yeah, he did it again. To end my closing statements, all I can say is Jehovah Jireh, he will provide for you. And what you need is on the way.  Thank Him for your miracle. Thank Him for your healing. Thank Him for your breakthrough. Thank Him for your joy. Thank Him for your peace, whatever you believe in God. It's on the way. It's on the way. I have a seat for a few moments. When I spoke to Elder Ross, he said that he'd like to sing the morning solo and that he would like to have some words. And I didn't know what that meant. I didn't know if he was going to preach or just have some words. So I prepared a message in the event that he didn't preach. Well, that's out the window. He preached. He preached. But I had you sit down because what I prepared, I'm not going to preach it. What I prepared is so in line with what the Lord has already said. Come on, somebody. Can God confirm His Word? He certainly will. Now, in the New Testament, I looked at Romans chapter number 8 and it begins at verse 28. Well, first, let me tell you where the aim is going. This text God assures deliverance from struggling and suffering. Romans 8.28 says, And we know. We know that all things work together for the good of them that love the Lord to them who are the called according to God's purpose. We know that. Then I'm going to skip down to verse 31. It said, What shall we say then to these things? If God be for us, if God is for us, which army? What kind of force? If God be for us, who can be against us? He that spared not his own son but delivered him up for us all. How shall he not with him also freely give us all things? All things. All. There it is again, that one word in whatever place you find it, all means all. Come on, somebody. Verse 33 said, Who shall lay anything to the charge of God's elect? It is God that justifies. Who is he that condemn it? It is Christ that died. Ye rather that is risen again. Who is even at the right hand of God. Who also make it intercession for us. He intercedes for us. He makes sure. Come on.  That's the same message, Elder Ross. Now I hope you all will grab ahold of that. Come on, somebody. Come on, somebody. Let that doubt get on out the window. Tell the devil you can't have nothing in here. Nobody's under your control. I've been assured. The last verse said, the next is the last, I am persuaded that neither death, nor life, nor angels, nor principalities, nor powers, nor things present, nor things to come, nor height, nor depth, nor any other creature shall be able to separate me from the love of God, which is in Christ Jesus. Come on, somebody. Give it raise, give it raise, glory and honor. Come on.  God loves you. God loves His people. And He said, I'm going to make it all. I think we need to have a cheering section. Come on, singers. Come on, singers. Now, as they come, if you don't belong to Jesus, if Jesus has not claimed you as His own, all of this that you heard about today in this message, it doesn't belong to you. Come on, you're not in the family unless the Lord claims you according to His word. So that if there's anybody here at this time, you've not had the experience that is necessary for you to belong to Jesus as by repentance of your sins, being baptized in water in Jesus' name for the remission, for the removing of all of your sins. And the Lord hasn't given you His precious gift of the Holy Ghost. You need to come today. We have water. We have clothes right here ready. You don't have to come back in a little later. It's here right now. It's here right now. I invite you to come. If there's any such person who needs that experience, you can come right now. Thank you, Lord. Thank you, Lord. All right. The name of Jesus. If there's one who needs strengthening, you've strained. Thank you, Lord. You're not walking with God as your art. Come to Jesus. Come on. Come to Jesus. Thank you, Lord. He stands ready and He's waiting to receive you into the family. He longs to see you. He wants to make preparation for you for home and glory. Thank you, Lord. All you've got to do is yield your heart. Yes, Lord. Yield your spirit and get a spirit of yes, Lord, in your being. Thank you, Jesus. The Lord will come in. He'll take care of every situation no matter what it is. I shall supply according to His riches. Jehovah Jireh care Jehovah according to His riches. Thank you for me. Thank you for watching. Ask of God. He said, I told you. So He said, you grab a hold of deep persuading. He persuaded God is able to supply according to His riches in glory by Christ Jesus. Now, He said, I'll supply all your needs according to the amount that I have in the bank. Not mine. He said, I got a bank. He says, my riches in glory they walk on streets of gold. Here it goes. He said, I got everything that anybody needs in this life. And be sure to hold on to that. Believe Him. You can't have it if you don't believe Him. Now let's prepare to receive our offering. Thank the Lord for this wonderful, wonderful message.  Thank God for this wonderful message. We now stand ashore that God cares completely about us. And whatever we ask Him for in faith believing, He said, I'll do it for you. I'll do it. If your ways please me. Alright, if you're my child. Now let's prepare to receive our offering. It looks like everybody has their envelope. Maybe we've had enough time to prepare our gift to the Lord. Let me say to you that you can't beat God giving. Wait a minute, is this microphone working right here? You can't beat God giving. Scripture said, as a man sow it. So shall he also reap. He said, however much seed you put out. He said, that's the kind of crop you're going to get back. If you give this much seed, you get this much back. Alright, I know you all are all familiar with that. And we do our best. We sacrifice for the kingdom of God. So now let us stand with your offering. We're going to hold our offering up. Let's wait until everybody gets up. Everybody stand. And stand whether you have an offering or not. Alright, we'll hold our offering up to the Lord as our sacrifice. Father in the name of Jesus we come. We thank you, O God, for your goodness and your mercy towards us, your children. We thank you that you love us with an everlasting love. We thank you, Lord, that you claim us as your own. We ask you, O God, as we come before you, prepare to give that you put it within our hearts that we might uphold the building of the kingdom of God. Lord, we thank you for the opportunity to give into an eternal group of monies that will go to build that that you called us to build in this place. We thank you for that that you've done, that you're continuing to do. We magnify you. We praise you and we give you glory and honor. In Jesus' name, amen. Now come bring your offering unto the Lord. We're going to sing happy birthday to our Lord. Our job is not complete until we show kindness to our visitors. We're delighted to have you. So at this time, now. This is such a sweet. Lord, we thank you for the offering. Thank you, God, for everyone that gave. Blessed, O God, our praise you're in Jesus.


Hello everybody! From this video, you will learn how to configure data backup, create a backup copy, and restore Windows Server to a previous condition, and how to recover information that could be lost if you have formatted the hard disk. Hello friends! If you need to recover deleted data, view or restore removed browser history. Hetman software products will help you. Follow the link in the description, download the necessary program for free, install it, and analyze the disk. The utility will show you the data you can recover, so you will be able to view it or get it back. In our channel and blog, you will find solutions to any problem, from installing an operating system or configuring it, to fixing possible bugs and errors or optimizing mobile gadgets. Our specialists will answer any questions you ask in your comments under the videos or articles. Important data can be lost or the operating system may crash due to a number of reasons. For example, a system update, a virus attack, careless removal of a file, system errors, human faults, cleaning the recycle bin, disk formatting, etc. If you face one of these problems, don't worry. This video will help you restore your server back to normal and recover the lost data. When files are deleted in Windows Server operating system, they don't disappear from the hard disk. They can still be restored from the recycle bin if they were not removed without using the recycle bin. Even if the files were deleted permanently from the recycle bin, there is still a good chance to recover them. In Windows, files never disappear without trace. It's just the space they used to occupy on the hard disk or another storage device is marked as free for writing new data. You can either recover the information or restore a parability and previous state of the operating system from a backup. If there is no backup to rely on, use a specialized data recovery tool. Enough Windows Server is an important part of everyday server management. Backup copies enable recovery after crashes when data may be lost. By default, the backup feature is not installed for the server version of Windows. To add it, open the Start menu, find and launch Server Manager. In the Manager, click Add Roles and Features. Click Next. Leave the installation type without changes. Next. In the Server Choosing tab, don't change anything. Next. And move on to the components. Scandalist for Windows Server Backup, check its box, click Next and then Install. When the installation is over, click Close. Windows Server Backup has been installed successfully. Now you can access its backup features. In order to create a backup, or configure a Skittle backup, open Server Manager, Tools, Windows Server Backup. For quick launch, type WB8MIN.msc in the search field. Here are the options you can access. Backup Skittle, backup once, recover and configure performance settings. To configure automatic backup on Skittle, open Backup Skittle. When selecting backup configuration, specify backup type, full server, backup all server data, applications and system state or custom, if you want to select a certain volume of files to be backed up. Choose backup time and how often you want it to run. Select destination for backups and one of the options is to save them to a network folder. When choosing this specific option, you can see a note that you will only have one backup at a time, because the previous one always gets overwritten. Give the network path and click Next. After that, you'll be asked to give your account details to enable the Skittle backup. If you only need one copy, select Backup once. Select Custom in backup configuration if you want to choose a specific folder of files and add items to be backed up. Specify destination where to save the copy and click Backup to start working. Now that the backup is ready, let's explore the scenario when you need to restore Windows Server. In different cases with the operating system crashing, having a backup will save you a lot of time if compared with having to reinstall and reconfigure the whole thing. In order to restore Windows Server to a previous state, open Server Manager, Tools, or Server Backup. When you open Recover, you'll be asked to select the backup location, this server or a backup stored in another location. Specify the network folder or local disk where the backup is stored. Select the data from which server should be recovered. Next, select the backup to recover. Check the items to be recovered. Choose the destination folder to recover to. Next. Select Recover to start. The system will calculate how many files are to be recovered and the process will begin. Once it's done, click Close. If you have a recovery drive, you can use it to bring your operating system back to normal. To do it, start by booting with an installation disk or a USB drive. In the Installation window, click on System Recovery, then select Troubleshoot. After that, the corresponding window will open. Use the image and click Next. You may leave the box to Format and Repartition Disks checked, as it is. Ready? Confirm restoring the computer from the image. Wait until the process is over. After the restart, the server will be restored to the state recorded in the lost backup. If certain information is lost because your Windows Server operating system crashed and there is no backup to restore it from, use a third-party Data Recovery tool. With hundreds of utilities available nowadays, we recommend using our product – Hetman Partition Recovery. When it comes to recovering files after reinstalling an operating system, you can rest assured that Hetman Partition Recovery will do the job perfectly. It will scan the hard disk or external storage device, find the lost data and help you recover it in a simple and efficient way. Here is what you do to get your data back. Step 1. Connect your hard disk to another computer with a Windows operating system. Download and install Hetman Partition Recovery. Remember to immediately stop using the hard disk where the important information used to be stored. Also, we strongly recommend against reinstalling the operating system because it may overwrite your data and you won't be able to recover it. Step 2. To drive manager, select the disk, right-click on it and choose Open. Try a fast scan first – it will take less time. If the fast scan can't find the deleted data, then go for full analysis. Step 3. The file recovery wizard will scan the selected volume immediately and display the scan results in the right side of the program's window. Step 4. When the scan is over, all you need is to select the deleted files you want to restore and then click the Recovery button. Specify where to save the data and click Recovery again. Also, our program can create a disk image and then conduct all recovery operations with this image, which increases your chances to restore the deleted information successfully because multiple rounds of scanning may result in data overwriting. And summing up, I hope this guide helps you to restore your Windows server back to normal and recover the lost information. Now you can restore the operating system and have it in the same previous state again. You won't have to reconfigure it from scratch and all the files will be located where they are supposed to be. And that is all for now. Hopefully this video was useful. Remember to click the Like button and subscribe to our channel. Push the bell button to receive notifications and never miss new videos. Leave comments to ask questions. Thank you for watching. Good luck.


Hello, everyone. My name is Ainava Majumdar. A lot of the farmers just call me Dr. A. And I'm extension professor with Alabama Cooperative Extension System Auburn University. And today I'm going to talk about a dreaded insect pest called yellow margin leaf beetle, which is now a major pest of brassica crops in Alabama and across the southeast. Yellow margin leaf beetle really belongs to the chrysanthemum family of beetles. And the way you can identify yellow margin leaf beetle adult is by looking at its wings, the four wings, which are the hardened elytra. And they have the orange or brown color on the edges of that wing. And that's why it's called the yellow margin leaf beetle. The eggs are laid often in ground near the plant and soil. And there's often clusters of eggs close to the ground. And those hatch into larvae. And the larvae and their adults are really what causes the most damage. They feed together in large masses and cause a lot of very quick crop damage. And then they pupate with a light cocoon. Those larvae, yellow margin leaf beetle larvae almost look like lady beetle larvae, except that they don't have the stout spines as in the lady beetles. Also the lady beetle eggs, egg clusters are more upright. The yellow margin leaf beetle egg masses are more laying on the ground. There's almost two generations of this insect per year. And the pest pressure is incredibly high in spring, especially with warm winters. So that could be another reason why we are seeing rise in pest pressures is the incredible buildup of this insect in the field and the shifting in weather patterns. Here's another picture of the sequential feeding damage that occurs in the field. So on turnips, which is a preferred host, it will start feeding on the leaves. When the leaves are done, it will feed on the stems, almost like a stem borer. And then it feeds on the roots, the turnip roots, and that can totally destroy your produce. We have seen up to 90% destruction of turnip roots. They're not worth harvesting on commercial scale. So the damage can be severe. The buildup of the pest can be pretty rapid over the years if nothing is done. Here's a short video to show the overwintering capability of yellow margin leaf beetle. As you can see, there's numerous larvae. If you take the turnip roots out, you can see these larvae just come out of the ground and start crawling on the soil surface. So the buildup is incredible and they can overwinter very nicely and rapidly become adults in spring and buildup can be fast. Because they love turnips almost to death, we use turnips as a trap crop for research and demonstration. So here you're looking at a research and demonstration plot in Central Alabama, which is a pretty high pest pressure area for yellow margin leaf beetles, where we're using turnips as a trap crop. Several rows of turnips as a trap crop planted both sides of cabbage, which is the main crop. So there's the trap crop, which is often planted two weeks ahead. And then cabbages are on the right of the screen. And the turnips are used as perimeter trap crop. And this is another picture 2017 where we had a pretty high infestation of yellow margin leaf beetle and all those missing turnips. That's because of the yellow margin leaf beetle adult and beetles feeding together in spring. And this population can be very damaging. An overview of some of the results. This is from 2019. 2020 we tried our best, but we had too much rainfall. We were not able to spray as often. And of course the virus COVID-19 hit soon after we were trying to do the research. And we had to stop all work because of the mandates. But anyway, so we are looking at some 2019 data and then I'll show you an aggregate data. So this is turnip defoliation from yellow margin leaf beetles. You're looking at the damage ratings, which is from one to six scale. One is very light defoliation and six is complete defoliation. We did two treatments and these observations are four days after the second treatment. And we included bifenthrin as a conventional treatment that is often used by producers. And then we have PFR 97, which is a microbial insecticide botanic card max, which is a pre-mix insecticide organic pre-mix with Biberia bassiana and pyrethrin in it. Monterey spinosid is the home garden version of the expensive end trust, which was also in the test. And they both have spinosins as active ingredients.  As you can see, yellow margin leaf beetles are fairly easy to control with conventional products. But a lot of the organic products really struggle, especially if you are late in application. Applications must start at detection. And that's very important to stop the pest. Here's again the larval counts. And it's very similar and related to the leaf damage that we had in the previous slide.  And I think one of the better products were the spinosids. The spinosids were more effective than some of the other products. So spinosin and pyganic based products seem to do well. And these are the adults. Now the point of the slide is adults can be very hard to kill. They're very mobile insects. They will often fall down to the ground when you scout or spray. So they will try to evade some of the spraying and they are difficult to kill overall. So it's much easier to kill the larvae. This just shows some of the overall results that we have seen over the years. And we started out with small plots to where we are now doing these large scale demonstrations and then turning those demonstrations for the trap cropping into research and replicated trials. So again, we have tried a number of organic products. And one thing that we have understood is if you get caterpillar pressures along with yellow margin leaf beetles, you can start with something like VT based product like Zantari. But if you get a high infestation of yellow margin leaf beetles, then you should start with something like Entrust or Pyganic that do much better job of controlling yellow margin leaf beetle. And if you're spraying them weekly intervals, you would get a fairly good caterpillar control as well, unless you have resistant populations. But overall, if you are a farmer and have caterpillars first has high pressure, go with VT based products and then switch to either the spinoset or the pyrithrin products. These are from our demonstration trials. Again, you're looking at the damage ratings. And as it is evident, if we do nothing, damage can be absolutely high 5.7 out of 6. So that can really whack the turnips and cause major production losses. And Pyganic and Entrust or spinoset based products really do well. We also have seen some good results with PFR 97, but it's been a little inconsistent at this point. And again, we continue to look at this insect weather permitting and getting more confidence in our data. This final slide of overview has some of the chemicals that are able to control yellow margin leaf beetle. And this insect does not have resistance to products. So they're fairly easy to control with a lot of the low cost synthetic pyrethroids. Overall, we have to remember that weather affects yellow margin leaf beetle populations. So make sure you adapt your IPM plants to the weather conditions. Trap cropping is a very good strategy for small to medium farms, especially with the perimeter trap crops. And you can use the trap crop as a trap and kill strategy. The threshold for action is very low. One adult per plant. So it's basically you have to jump into action when you see the adults. University of Florida has done a lot of research on natural enemies. And there are several natural enemies of the yellow margin leaf beetles that need to be protected. For example, spine soldier birds, lace wings and lady beetles, assassin birds. So we have to be judicious with our use of insecticides. And Pygonic and spinoset based insecticides seem to be the best options at this point. And as we stated before, use BT based products if caterpillars are ahead of the yellow margin leaf beetles.  Just a quick overview of some of the digital resources where we have published our research information on yellow margin leaf beetle. We have a free online course for farmers. It's called farming basics. We also have a phone app with the same name farming basics, which is free to download on any mobile device. Where we have information about yellow margin leaf beetles. We have several YouTube videos on our building farm project playlist that are available. And I strongly encourage farmers and researchers to subscribe to the Alabama IPM communicator newsletter. You can Google Alabama IPM communicator and you should be able to subscribe to it by just entering an email. And in response to COVID-19 spread, we have started some new activities to reach out to our farmers. We are doing virtual farm tools on the weeks. We also have the monthly webinar series that we do for farmers to spread the information. And we have a weekly Q&A Friday show that we do with regional extension agents, extension specialists and county coordinators working together. And all these are transmitted through the Facebook page, Alabama Extension Commercial Horticulture. And that's a great way to reach out producers looking for information. And once again, my name is Anava Majumdar and my phone number and email are on the screen. So please feel free to contact me. And our website for beginning farmers is AlabamaBeginningFarmer.com. Please look it up, subscribe to our newsletter. Thank you very much.


Let's go to the hardwood bsu men back at home hosting my not state second half on the attack Logan Bader turns around Then knock down the jumper here that'll extend the lead then later show reef black goes to work Count it and the foul that'll push the lead to double digits Then more from black later on this drive from the wing all the way up in for two more bsu smelling the upset Then javion green finishes them off shot clock winding down That doesn't matter to him gets all the way of the bucket for the finger roll Beavers the big upset at home at home tonight final score 80 to 73 If you enjoyed this segment of lakeland news, please consider making a tax deductible contribution to lakeland pbs


Well, hello everyone and welcome back to Sailor Academy's NBA 601 financial management. This is going to be The assessment review. This will be part one. Obviously We've gone through every episode of the every episode every week We've gone through every unit of the course and and done these videos So if you haven't watched those yet, you should definitely go back and of course these videos are supplemental to the course themselves So you should definitely check out the course all of that is linked in the description below if you're watching later Feel free to leave a comment down there as well If you're watching right now, you can leave us a question in a chat and we'll get to it But I'm just gonna hand it over to dr. Lou pierce. I'll to get us going and I'll get out of the way Thanks Michael and again, welcome back everyone This is a review we've we've actually gone through and Done a review of each of the units that were contained in our course There are seven units and we've talked at length about each one and and and discussed and if you've been watching, you know that our courses are designed around some stated learning objectives and Each week in the presentation. I've referenced the particular objective that applied to a unit Here's four. I'm not going to go through During the during the reviews But there were eight learning objectives and I believe you'll find that over the Throughout the course. We have in fact identified addressed and related to each of these objectives The the basis of this course is really a recognition and an understanding of the Valid the validity and the need to do financial analysis in your business All right and and simply put When we're looking at at financial performance, we're going to look at three things We want to see how did you do? And so we review the past we take a history lesson and in past performance We're keenly interested in how you're doing today And so as a former executive of a company I was I wanted to know how we were we were progressing Right now at this point in time against the plan that we went into the year with And and last you're going to be thinking about where you want this business to go Well, no surprise that a good part of these discussions A good part of these reviews Are going to go back to the numbers We say that at the end of the day Businesses about numbers the language of businesses numbers and hopefully we've conveyed that during these past presentations I'm going to take us back for a minute to unit two in the course where we focused a lot on financial ratios And I'm sure you had you saw a number of ratios probably too many ratios And what I can tell you is that with all the ratios that we covered in this course There are more And so why what what's the value there there are bits of information that help management focus And where there might be a need to take corrective action Where there might be a need to do more of Where we might have to make some decisions. So there's there's lots of Analysis going around ratios And we're going to talk a little bit about that in the first part of the assessment We also mentioned that when you're doing financial analysis, we're we're doing a number of things We're doing a comparative financial analysis. What are we comparing? We're comparing yesterday with today Or we're looking at what we're doing today and comparing it with where we want to go for next year So we're evaluating this is a moving plan. There's it's dynamic finances dynamic in business today We're going to consider trends and the trend says On a simple basis is our trend for sales going up If we flattened or our sales declining So we want to look at trends trends have a value And helping us determine where we want to focus some of our time and efforts And we're going to do some benchmarking Which means that it's not enough to sit here and exist in my own little world with my own business To really determine How well we're doing Or if there are opportunities to do better, we want to compare What we're doing want to benchmark against other people in our industry How do we compare in And in sales or in inventory issues compared to some of our major competitors in the industry Now we started all of this going back by taking a look at the basic financial statement of a business This is a simple income statement And uh, note that the income statement which basically shows how much came in how much went out and is there anything left In this case, it's categorized We're breaking those things down so that we can get a better idea of where we might want to focus intention So yes, we have product sales But we're going to make sure that we focus on what the cost of goods sold And remember the cost of goods is labor and materials and that results in a gross margin So Given the sales after we take out what we spent for labor materials. What was left? What's left is now going to be applied to a bunch of other categories because that's not the only expense category of the business So then we'll look at sgna selling general administrative expenses all the other expenses and operating our company Which will give us our earnings or we're going to look at earnings now before we pay out any interest Any taxes any depreciation any amortization or in other words EBITDA Then we're going to take out depreciation and remember depreciation is we're using up assets We bought a piece of equipment two years ago. It's not worth the same now. Why because it's two years older We've depreciated part of that part of that expense. So let's take that depreciation out now. We have earnings before income taxes So make sure that we pay our taxes. Absolutely. We'll take out our taxes and what's left is our net earnings Or the bottom line or profit That's what you've made out of your sales when everything else has been accounted for We also want to make sure that we look at the balance sheet certainly of interest to investors And the balance sheet if you recall The has current assets on one side of the balance sheet, which are all the things that we own Now current assets are those assets that can be turned into cash in a year or less We also have long-term assets typically property plant and equipment And on the right hand side, we have liabilities or things that we owe And again, like assets, we have current liabilities Things that have to be paid in the next 12 months and some non-current liabilities long-term debt a 20-year mortgage And the difference between assets and liabilities is of course shareholders equity That's what the owners have when all is said and done if the assets were liquidated and the liabilities were paid off Is there anything left for you the owner of the firm and that shareholders equity? Now having said that what we're going to do today and next week Is i'm going to take the opportunity to review a little bit about an assessment As in all courses once you've taken the course and read the material and completed the assignments We want to be able to assess Uh, what have you what have you learned as a result of this course? Call it a final exam a test a practice exam or an assessment It's assessing the fact that we hope that you you've got the information that we tried to present to you And you're able to apply that information Now i'm going to break the assessment down into two parts This week we're going to talk about part one And we're going to go back to one of your favorite topics, which is financial ratios Uh because it is so important in the analysis of our financial condition We we need to be aware of what they are Um how they're calculated And what they mean to the business So that's going to be part one So we're going to go through and i'll review the way these questions might appear Mostly multiple choice and we'll we'll chat a little bit about each one Next week, uh, we'll go to part two And part two of the assessment will probably spend a bit more time on talking about Understanding an application of financial principles Okay, so Let's get started and uh just to know what i've done here is there's a Um a simple income statement and balance sheet that will appear on the slide That's basically when we're doing financial analysis is what we refer to Um and there's going to be a question and so our first question is going to be Recognition of the gross margin it measures the impact of a firm's cost of good soul So what is the gross margin? And so in this case what we are going to do is we are going to take a look at two things We're going to take a look at what were the sales And what was the margin after accounting for a cost of good sold? And so you'll see down in the left hand corner that the Formula for calculating gross margin is simply taking the gross margin and dividing it by sales And the result here is that the gross margin is 35.2 percent So what does that mean? It means that out of sales of 3.4 million dollars 35 was left for gross margin That was the impact of cost of good soul Now a lot of things that you can tell from this and i'm not going to go back and repeat all the things we covered in our course But just remember there's only two numbers here sales and and cost of good sold that have an impact on this ratio So if you want this number to be higher Which i expect you do you can do a couple things You can keep costs of good sold. It's the same And generate more sales That will increase the gross margin ratio Or you can keep sales the same And you can reduce the cost of good sold negotiate better Agreements with your with your suppliers and vendors That will increase the gross margin percent Or you can follow one of pure sales rules, which is do both Increase sales reduce costs of good sold and make even more money Okay, so this is this is a typical Question in the first part of the assessment. And so let's just go through a few more Let's talk about the current ratio And if I can bring you back into the course, what is the current ratio? Well, the current ratio is going to ask us to look at assets and liabilities But we're going to look at the current assets Not all assets and we're going to look at the current liabilities in other words This is this is a measure of liquidity Right because current assets are the ones that can be uh turned to cash within 12 months Current liabilities are due within that same 12 month period So what is the current ratio of assets to liabilities? In this case, we're going to take a look at those current assets We're going to divide it by the current liabilities and we get a current ratio of 2.9 Great. What does that mean? Well, it does tell us something It says that for every dollar That we have in liabilities or money that you own you have almost three times that in assets in other words, you have Almost three times the assets available to cover the liabilities now. Is that good or bad? I don't know This is just a snapshot in a moment in time We might want to see what it has been over the past number of months Or what's been forecast or what's what's expected as a current ratio in your industry? It may be something that's higher. This may be fine. So as in all things These give you a number which is but the beginning of your task because your real task is to understand the story behind the numbers What does this mean for your business? What does it mean for your shareholders? Let's take a look at return on assets one of my favorites One of the things that the business does is you take in money from owners and shareholders You know, what do you do with that? Well, you invest it you invest in assets Assets that will generate sales for your products and services And that will create a business that's generating a return On investments So we might want to know what is the return on the assets that you've invested in and that's return on Assets and for that we're going to look at net earnings again What were the earnings that they were generated and the total assets? Remember total assets all the things that the firm owns because you spent money from owners and shareholders to buy this And so our return on assets in this case is 33.1 Again good bad. It depends What we know is that we have total assets of a million four Based on the use of those assets we were able to generate almost half a million dollars in earnings So we received a 33.1 return What I might be looking for as an investor is one Is that a reasonable return given this business in this industry at this time and two When we go back and we look historically or we look at the trend Are we showing a trend that maybe this is increasing year over year? That would be a good sign that management is is doing a reasonably good job of getting the right assets And using it to generate earnings for shareholders and owners What about return on equity? now remember that equity is The amount of money that the owners and the shareholders have in the business If that business were to be liquidated today, what did the owners walk away with that's equity? Well the return on equity again is going to look at what are the net earnings that the businesses has earned And what is that total shareholders equity note by the way that we're using both the income statement and the balance sheet And as we get further into this or as you get further into analyzing your business Remember that there are other parts of the financial statements that you're going to be using Making it simple. We're focusing simply on income statement and balance sheet today So in this case the We're going to take the net earnings from the that the business earned We're going to divide that by shareholders equity and we're going to get what's the return on equity In this case, the return is almost 80 percent I mean net earnings are almost half a million and shareholders equity is 600 000 So it shows what how much Return are you making based on the equity that is in the business? It's a it's another measurement of use of equity or net using equity And again, whether or not you're you're happy and pleased with 79 percent depends on a number of additional factors Including what else is going on in the industry and how does this fair for for businesses and competition in the marketplace? Let's take a look at inventory turns This has always been one of my favorites If you are a business that has to maintain an inventory of your product for sale if you're in retail If you're a Walmart if you're target if you're any major retail operation you have inventory The inventory is a is a balancing act Inventory cost money All right, if you're a manufacturer like I was back in my time with carrier air conditioning company We manufactured air conditioning and heating units We had manufacturing facilities around the world building product question is Yes, I have to have inventory so that they're available for sale, but how much inventory? Remember every unit that we produced and I put on a shelf Cost money it costs money to buy the parts and materials Costs money for labor Costs money to operate the manufacturing facility. It's costing money for the distribution center The overhead the rent the insurance Inventory is an expense It's controllable And how do you control inventory? What do we want to look at? We want to try to get and have no more inventory that is necessary to really support the requirements of our customers In an ideal world I would have one unit on the shelf I would put it on the shelf today and somebody would buy it this afternoon I would be maintaining no inventory and would have met what amazing impact on cost that will be But that's not reasonable But what we do want to do is we want to make sure that our inventory is at as an appropriate level And one way to do that is by looking at inventory turns So in this case, we're going to look at the cost of goods sold Remember the cost of goods sold is that materials and labor to build the products And we're going to look at the inventory that's sitting in the shelf Now inventory is an asset It's something we own But the real value of inventory, of course is when it's sold and it generates revenue So if we look at the cost of goods sold and we divide it by the inventory, we come up with inventory turns In this case, it's 2.83. Now, what does that mean? That means over the course of a year We are going to fill up the warehouse Sell the material and we're going to do that 2.8 times So we are turning the inventory almost three times a year Now again What's the right inventory turn number? Depends on the on your business depends on the product depends on the production cycle I will tell you this Back at my time as a director of materials for a manufacturing firm Folks planning inventory part of their compensation and incentive package was in Increasing the number of inventory turns year over year In other words find ways To reduce the amount of inventory you're carrying so you're turning it faster And we're not consuming and spending all of that money prior to a sale By the way, this is one of the things that by analyzing this and looking at this Company started working with close and critical suppliers And came up with programs like just in time I mean, what is just in time inventory? It's inventory that arrives at the at the at the door to your manufacturing facility The day it's needed to go into production So you've eliminated storage And carrying that inventory So there's a there's a real benefit to digging into the numbers And understanding what they're doing we make decisions based on this And in some cases we we started involving Suppliers and even customers and trying to find out ways to make ourselves better more effective than and more proficient Now at this point i'm going to take a quick break and see if anybody has any questions Well, we uh, of course, I got my eye on the chat right now if anyone has any questions They can put them in the chat and of course if you're watching later Feel free to put them down in the comment section below and and we'll get to them if we can Um, I'm not uh, not seeing any questions right now Though if someone in the chat would like to come up with uh, Some sort of game around pierce all's rules. I would enjoy that. I think that uh, I think I think I think people watching could come up with With a with a pierce all rules, uh drinking games or something like that. They're all good rules Well, number one, I bet they would and number two, I always thought they were good Is that number one and number two pierce ours numbers the second pierce all's rule is pierce all thinks his rules Seriously, they're serious.  Yeah, okay. So seeing no questions or comments. Um, Let me go on here And let's talk about the debt to equity ratio Um, now remember when we were talking about uh, debt and equity talking about the capital plan One of the things that the company does is we recognize that the capital plan has two major components one is debt Money that we borrow from from outside lenders any other is equity using that equity that owners equity that's in the business And we have a pool of debt and equity To come up with the amount of capital we need to make critical investments new plants new equipment new facility Um one way to see how well we're doing with debt to equity is to look at the debt to equity ratio And for that we're simply going to take a look at total liabilities And we're going to look at what that shareholders equity is So when I look at total liabilities and shareholders equity, I see that the debt to equity ratio is 1.3 Now what's that mean? It means that for every dollar in equity. I have 1.3 dollars in debt Now remember that we talk Or I hope that you remember we discussed a bit that using debt Is is a good thing in business. We call it leverage. We're leveraging other people's money to generate a return And as you increase the amount of debt You increase the return on equity To owners. Why because the return is is going up or the return is same, but you're using less of their money As in all things the downside to having too much Liability is risk and it's the risk of the fall The risk that the firm won't be able to meet their obligations to repay the debt and of course that can lead to Really adverse activities like bankruptcy So debt to equity one of the major ratios ratios we want to use When we're looking at how is the firm making decisions on capital? Let's consider the fixed asset turnover ratio now big word But before I go further, let me just stop and mention fixed assets What are they? Well fixed assets are those things like plant Property and equipment they're fixed because you buy a facility you build a manufacturing plant That asset isn't going to go anywhere. You're going to be using that. It's a fixed asset However, also recognize that on these assets assets are recorded at acquisition firms So for example, if you bought a piece of equipment at a hundred thousand dollars You record that as a hundred thousand dollars in assets But five years later, is that still worth a hundred thousand dollars? No It's five years older. You've been using it or you've been consuming that asset And we call that depreciation And so we count the depreciation we keep track of how the equipment Is in fact appreciating so for our Fixed asset turnover ratio We're going to look at sales because how much sales were generated as a result of the investment in fixed assets Note that we're looking at net fixed assets or net property plant equipment Why is that important? Because that's the value of those assets today All right after we've taken out the depreciation Now just to note one thing that a An investor or a potential investor can look at when looking at the balance sheet is What the net property plant equipment is For example, if you know that a firm bought a piece of equipment for a hundred thousand dollars They purchased that piece of equipment five years ago And after depreciation the value of that piece of equipment is now ten thousand dollars That tells you something It tells us one that the company's been using that asset to create revenue But it also tells you that There's probably not too long before it's going to be necessary for the firm to make another capital investment Right that equipment may need to be replaced So again, we look at the numbers are the numbers. What's the story behind the numbers? What is it telling us? Now in this case, we take net sales We divide it by the the net fixed assets and we have a fixed asset turnover of 10.4 In other words for every dollar that was invested in those fixed assets You've got 10.4 dollars in net sales All right attack. Is it a good ratio? Depends as in all things additional analysis and research is required Let's take a look at the total asset turnover now Because now we're going to we're going to expand the scope. Let's look at all the assets not just the fixed assets And so what are we going to do? We're going to take net sales and this time we're going to take the total assets available And the total asset turnover is 2.3 Now obviously this is lower than the fixed asset turnover because the asset number is bigger But you are still generating 3.4 million dollars in sales With 1.4 million dollars that you invested in assets. So there's a 2.3 turnover rate One thing that That I would look at as a shareholder Or I would be looking at as the president and co of a business is Can't what are we doing to make sure that the assets we're acquiring Are exactly the ones we need to generate an appropriate amount of sales for the business I mean, is it possible to invest too much in assets?  Excuse me on the balance sheet With not a big improvement Excuse me in the sales number to show for those assets Remember going back to the responsibility of management To make decisions that are in the best interest of shareholders and owners And this is one of the things that we'll be looking at to determine that Basic earning power is an interesting ratio And the basic earning power wants to know Given the assets of the firm How how is that having an impact on revenue? But we don't want to consider The extraordinary expenses of like interest payments and taxes So what we're going to do for this ratio is we're going to look at EBIT Back on the income statement EBIT the earnings before We have paid out any interest in any taxes. Remember interest in taxes are a function of financing and decisions that the business has made That's not the revenue being generated just by operating the business that would be EBIT So let's take EBIT and divide it by total assets And in this case our basic earning power is 59.2% That EBIT after taking out costs of goods sold in SG&A Of $800,000 based on total assets of a million four has a basic earning power of 59.2% Again, one more method one more grade to give to the executives of this business And evaluating how well they're doing in making decisions They made decisions in acquiring assets Are we seeing the result in the revenue that's being generated? through using those assets Another thing that we would be interested in and looking especially in days like today where there are issues with Inflation and the economy and it's a global issue Is accounts receivable days In other words, we're selling goods and in most cases we're not selling them for cash But customers are buying on credit. You buy a product. You're going to get an invoice and the invoice should be paid in 30 days Well a critical question for the management team is How well are those invoices being paid? You can imagine that as um, the economy gets tougher That it may take people longer to Perhaps pay those invoices that are due That extends out the number of days that you are sitting there with accounts receivable Now before we get to the ratio, let me just step back and remind you that Accounts receivables is an asset. It's right there on the balance sheet under assets It's something that the firm Owns we that's money that is due us if we have Accounts receivable of a million dollars. We're considering that an asset However, recognize that that's an asset if it gets paid If it doesn't get paid it becomes a write-off it becomes a liability and it has a negative impact on the business so Companies will pay attention to the accounts receivable and how well it's being turned Remember it has a direct impact on cash flow If I have a substantial amount of money out there that's that's due to the firm through accounts receivable And i'm not collecting it. I may have to use equity or Take out a short term note to cover day-to-day operating expenses So one of the things that we'll look at is the accounts receivable day Which says let's take a look at what those accounts receivable are And what were the overall sales? We're going to multiply that by 365 days a year In this case our accounts receivable days is 31.6 Now if the sales terms are Invoices are paid in net 30 And we're not doing too bad If our invoices or our terms were payable in 10 days, then we're running over And in my experience from my business one of the things that I got and a monthly basis was a statement of accounts receivable days broken down By what was current What was 30 to 60 days? What was 60 to 90 days? What was over 90 days? At some point You're going to have to make a determination and the likelihood of you actually collecting a receivable that's way overdue Two things have to happen one You're going to have to exercise additional time and resources and money to try and collect the debt Or worst case you'll have to write the debt off And again, that's the negative impact. So paying attention to accounts receivable days Is one of the keys to being aware and managing what's taking place in your business This has been a Short overview with some of these ratios. I mean, you know from the course There's a lot more and there are many more that we didn't cover We will use ratios and we'll identify ratios that we want to capture Based on our analysis of what's taking place in the business where we might need to focus some attention What are some things that we might have to address or spend some time and resources on? Now having said that There's a couple keys to success here. If I were looking to Coach you on addressing an assessment At this stage on these things like financial ratios What would you do? Well, I think first of all make sure that you familiarize yourself with the financial package And it goes back to something we've said throughout the these lectures Which is that the ink of the financial package is Essential information for management and for investors and potential investors You need to understand what the numbers are where they go we get Uh financials can come on a weekly a monthly a quarterly an annual basis So this this information is coming in but they're only useful If you're able to pick up that package and go through each of these statements And you know what you're looking for you know what it represents And one thing that I mentioned early on in our course was that Although like for today's review we looked at the income statement and the balance sheet Which one of these statements is more important the most important? All of them The reason why we have a financial package consisting of these statements is that they all tell us something different They all give us a unique perspective about what's going on in the business Review the various financial ratios. There is tons of material both of going back and looking at at some of our previous videos Online lots has been said about financial ratios calculating them and more importantly for me Is understanding what they mean what do you get out of it? So take the opportunity to practice Uh calculating some of these financial ratios go back and look at the question before you turn to the answer page in this lecture Can you calculate those ratios? Next week, um, I'll do an assessment A review of the assessment part two, which I said, uh, no calculations Which may be good or bad But more discussion on application of basic financial principles And what they mean to the management of a company and to the shareholders and with that, uh, turn it back to michael All right. Well, um, as always, thank you so much dr. Pierce all, um We do not uh, I've not seen any questions in the chat right now But if you have them feel free feel free to leave them I know sometimes when we do exam reviews, uh, you know You understand it right when it was explained and then you might have a question later You know like what won't you go back? So, you know, of course go back and and and watch But if you have a question want to you can leave it later in the comment section and we can get to it next week If in fact you're thinking about it over the week, you know something comes to you But I want to thank um everyone for joining us again Thank you, dr. Pierce all for taking us through this and so at the same time Next week we'll go through the um the final exam and again if you've just been watching this and maybe it was confusing Do you maybe go back and check out the course and check out the previous videos we did because again These are all overviews of the courses of the course that is on uh, sailor academy and linked below but again um I'm just give I think that was a pretty good closing vamp and I'm not uh seeing any questions in the chat So everybody um again, thank you so much for joining us again. Thank you dr. Pierce all for going through this And we will see you all uh these uh same time next week Thanks, Michael. Thanks everybody for watching


on everyone Sam here with late and sports cards we are ripping 21 22 Panini Don Russ optic basketball hobby six box half case break number um 43 43 that's what it is again we let me read off the teams in the names here they're next to me and we will get started in just a sec got Adam B with the Kings Adam M with the Heats Anthony P Nuggets Bogea B Clippers Bradley H Pelicans Chun W with the Thunder Evan B Raptors George J Bucks Harper B Timberwolves Magic Lakers Wizards Hornets Pacers thanks as always Harper James Z Sons Jeff W Cavs and Warriors thank you so much Jeff really appreciate you filling us up Joe M with the Pistons and Grizzlies Jonathan Q Celtics Ken W Spurs Kevin L Jazz Michael C bowls Moe S has got the Nets Robert P trailblazers Ryan C with the Rockets Ryan T with the Hawks Thorpe W Nix Tim B Sixers and Victor L Mavs thanks again Victor as well let's get right into it guys good luck here everyone I'm gonna go live on tiktok really quick too once over here all right good luck here everyone pulls in fire notifying everyone you just went live nice biggest card I personally pulled Corey probably Trevor Lawrence Stars and Stripes RPA from National Treasures first off the line that I pulled the Lamello ball gold rated rookie redemption auto out of optic that's pretty big few other ones as well book night Kevin Durant elite dominators going on tiktok they're on sharp hollow is use of nerkish Lucas Silver is pretty solid that's a big part now I mean it always really has been but especially now to Jason Preston there's a Jamal Murray pink velocity 20 out of 79 nuggets Brown Trey Young the modest sabonis hollow for the Pacers really scaring everyone away on tiktok here maybe on Mitchell James Hardin 75 years there's a Kaminga base rookie there you go Jeff Devin Booker and orange Harrison Barnes 14 out of 199 King oh boy here's Dean got red lighted up Zach Levine at 9 out of 99 color match for the bowls Evan Mobley base rookie and hollow Dennis Schroeder Franz Wagner base rookie there you go magic and Clyde Drexler 75 now there's an I would just soon move base rookie lime green 12 out of 149 Xair Williams for the Grizzlies that Grizzlies Conley 19 out of 99 optic dominators jazz auto that's really cool nice vet that's on that one that's sick for Utah that's a cheap spot that's like a $30 spot that's jazz raining threes not even Mitchell I'm Chris Middleton 75 years Joe Weisskamp Isaiah Jackson hollow rookie Josh Christopher PJ Washington black velocity for the Hornets nice one there Charlotte 26 out of 39 that'd be actually kind of cool Dean that'd be a fun one dude London there's a cave base rookie there you go Detroit and Middleton hollow Deontay Murray for the Spurs there we go finally we can do one of these dice rolls there's an extra card in here gonna roll the dice one two three left four five six right this will go for the entire break unless it's a one-of-one like something super low number to an autograph that is a one they will go left for the entire break so I'll go left with Lebron and the Lakers now that was just Sean me and a troll what Anthony Davis Sean literally goes on tick-tock and goes is this a personal but who did me yes ripping fire Duncan Robinson hollow sit right here that you're our only moderate this is a pick your team Paulo so it's different different prices for different teams so some of the higher-end teams are a little bit more and some of the lower tier teams are a little bit less so they range anywhere from about 30 to like 400 for box to good luck here guys and bead cam Thomas we got Jalen Suggs hollow rookie auto magic there you go Orlando I believe that is Harper we've got Harper be with the magic congrats on the Suggs nice one there for you tick-tock beautiful say got that one as well raining threes Asia see some colors now big money color hollow Gary Trent junior for the Raptors hi Jones that is Anthony Davis yes Jalen Suggs pretty solid if you ask me for sure I say a liver is Chris Paul 75 years hello Dennis Schroeder second one of the break kind of random thanks for the likes ripping fire JT Thor blue optic dominators 18 out of 49 Devin Booker there you go Suns nice another nice lower tier hit there you say something hollow Joshua Primo rookie for the Spurs Jaden Springer lime green Kyrie Irving that is 45 out of 149 for the net left with KD optic dominators is our elite dominators Zach Levine the bolts that's hot hollow Paul George raining threes Clippers Usman Garuba got an orange Jaden Springer 71 out of 199 there you go Sixers some homes small Murray nuggets Trayman Donovan Mitchell probably Shoei Otani auto I would say the numbers are 50 we did baseball earlier and probably be the best one as of right now I was back at the hollow Joel and bead for the Sixers just for Fred Van Vleet come in Street Cooper that's a red Chris stops poor thing is 71 out of 99 hey what's up dude oh yeah it's going on man chopped all the air off I was gonna say no more flow going on got Blake in the house with us Tray Murphy hollow Isaiah Jackson Jason Kidd 75 years Christopher say base rookie and hollow light it up with Ron for the Lakers we got oh heck yeah dude that's thank you man thank you love it absolutely do I love being into oh yeah yeah right now right yeah I've been trying to collect sick gave Davis UCF patches I only sent before the guy yeah I didn't I only have one for my back right now and it's like a little night but there's like some really cool like bolt patches like a Chick-fil-A logo or like a like they like space jerseys that are really cool but a Ray John Rondo optic dominators for the Lakers Harper again picking up a Rondo weird tough seeing them on the Lakers yeah I saw that one with Jaylin Suggs yeah hollow auto nice Taylor Horton talk around the hollow for the Lakers we're kind of going crazy recently yeah I just started lifting I'm not going to I give my arm a break for a while yeah don't blame me there it's a it's a long season they're favorites hollow yeah I never I never had a season like 50 innings that was like Jaylin Green base rookie for the Rockett was so Kenny Martin jr. 54 out of 149 lime green that's cool happens to be 73 yeah it's true I guess before Zingas doesn't even like basketball that much he's just good that's the only reason Traymer for the third on the 75 years Kisper elite dominator Zach Levine non-hollow bowls yeah I do too braze they're nice looking to set Dante D'Vincenzo did you show the card I gave I did not here I'll show it right after this pack Chris Middleton on the hollow lighted up Blake just gave gifted me this Rashad Bateman origins right he's having a great second yeah 99 games thank you again I got from that from a box of origins like me and a teammate we're like all right whatever we get we'll split you know we'll do like a draft there paper scissors orange Derek white to 199 the first card we saw that was like a good card was a lot of RPA yeah you had that right like boom that's sick like that's gonna be our best thing I hope I get that and then right behind it was a Jamar chase on card like damn that's a great box of how I ended up losing I ended up losing in a rock paper scissors so he got first pick he took the Jamar and I got the water not bad honestly pretty good consolation prize a lot of water yeah I can't hate that for sure photon coming up here guys case it PJ Washington going to Charlotte on the photon there you go Hornets he's got Charlotte you know that's right you're going in the gaming right Harper B um was it Alfred Schengen pulled up stained glass of seo on yeah yeah yeah Lou Dort read to 99 the thunder and then Pedri overdrive as well as the other case it was a good case Brandon Boston hollow Russell Westbrick the leakers I was telling you might be like like how we dominated yeah he's so good dude where does he play put some Barcelona right yeah okay good we literally that's what I said and nobody ever confirmed or denied that he was on bar so but I was gonna say yeah 101 Kwame brown that's actually be kind of lit there I'm not gonna lie and Thomas show yeah he's in the NT's an NT and he's in the war I think yeah he's got one-on-ones to imagine a Kwame brown logo man oh wow that's sick really Marcelo Meyer of course is gonna love that dude oh that's it on the blaze that's nasty towards I was Moncaruba got a red John Collins going for the Hawks 59 out of 99 what's that from oh yeah kiss for Godwin Mitchell that's disgusting oh yeah yeah kid on the Nets big time retail guy Charles Bassie that's left with Kyrie Cavaliers Kyrie hollow Jeremy Grant pistons but it's so fun to watch people open cards it is fun I got a even when I'm not opening I'm still watching people do it 36 out of 149 Jimmy Butler heat I can tell you how many times a week I get a text from my friend and it's that text because they get they get stuck on tiktok and they're scrolling and they're like why did I get stuck on tiktok today watching for 20 minutes when they open cards and I say oh yeah boy you're just getting started buddy yeah hello Evan Mobley the rookies there you go Jeff W that that's finding one also true hollow Roy Hachimora going to the wizards hi Jones hollow Jaden Springer sounds good got rockets 18 out of 99 that's Josh Christopher on the optographs congrats Houston H-down oh yeah we're not going anywhere it's got them in the pockets that's also true brace surprise fact there's a big point in that so Josh Christopher box 159 out of 199 orange going to the Rockets again got Houston Chris Paul 75 years sons JT Thor left with dirt oh next one is sold out thank you guys Isaiah Jackson hollow Christian would Nathan W Nathan wall thanks for the sub on YouTube again tiktok you guys are interested in joining group breaks we do have a link in our bio you can click on and join group breaks and buy personals that way you can see if you want to join a break in the future you generally list breaks about three or four days in advance usually guys are interested jump on in hello JT Thor going to the blue coming up here Herbert Jones blue Brandon Boston junior auto 10 out of 49 there you go Clippers that's bogey of B with that one bogey of B with the clips graph will be bogey of leap dominators Luca Scotty Barnes based rookie almost went by that there go Raptors and Cade the rookies great pack there Helicans Jalen Johnson Devin Booker gonna go left for Jalen Brown so thick haha what's going on Ben Ben in Australia saying what's up TJ Warren bubble goat 92 out of 99 don't look at the Pacers good spread of cards we try we try Scotty Lewis there's a Lonzo morning 75 years hello big Al Horford 75 year Shagel just Alexander the Thunder Aaron Wiggins there's a hollow stargazing of Zion Keon Johnson orange big Al Horford 188 at a 199 there you go C's Chris Middleton lighted up Isaiah Jackson left going to the Mavs with Luca the Jamerant hollow there you go Grizzlies nice one there dirt raining threes nice one coming up here got orange Franz Wagner going to the magic Harper having a break here 97 out of 199 congrats Harper nice Frans Pablo let's throw that in the recap hi Jones hello I'm Malcolm Brogdon hello elite dominators Jason Tatum is it is it good right on to box six and final here guys good luck we've got a case of flawless bad football we're opening later tonight got 12 spots on a tiered random team style you guys are interested in some flawless I heavily recommend checking it out there's gonna be some fire coming out of there for sure I'd James book night rookie Otto going to the Hornets Congrats Charlotte nice book night Otto I'm pretty sure that's Harper yep Harper be with the Hornets left with Yokech see some big rookie color come out of this let's see it let's see it Luca Mavs Dame Dalla on the trail lasers hollow orange Christian would 89 out of 199 Rockets Luca Garza Steph Curry lighted up Warriors KD raining threes for the Nets Moses Moody rookie and hollow Mitchell Robinson who does like that sure that's cool like like the Jersey nicely nice and Bob that oh yeah that's fire Jalen Suggs base rookie by a lime green Brandon Boston jr. 85 out of 149 for the clips again clips doing pretty well actually oh yeah with that spot Jalen Green base rookie followed by a hollow Donovan Mitchell's stargazing bam out of bio wait like is it tall Kate Cunningham 75 years rookie for the Pistons Evan Mobley base rookie there you go cabs Luca and Dane nice one here we've got Giannis on the pink Velocity 27 out of 79 there you go MKE George Jay Congrats buddy really nice parallel there Joel Embiid Sharif Cooper hollow for the Hawks Zarya Williams Jamal Murray a couple packs to go here guys David Johnson blue stargazing Damian Lillard 28 out of 49 there you go at trail Blazers pretty cool looking hit there bones Highland base rookie gotta go left with Magic Johnson and the Lakers scary Terry Hornets on the hollow and last pack Cam Thomas hollow for the Nets that'll do for the break guys quick recap here got Giannis pink Velocity to 79 for the bucks James Book Knight auto Hornets Franz Wagner orange to 199 magic Brandon Boston Jr. blue auto to 49 for the Clippers Jalen Green rookie not Jalen Green Josh Christopher sorry guys to 99 for the Rockets Josh Christopher Ray John Rondo going to Lakers Mike Conley to the jazz and Jalen Suggs hollow rookie auto not numbered going to the magic that'll do it for the break guys thanks again next up more