Sure, in Kenya we've become number one in the world rankings for financial inclusion and that's entirely been on the back of digital financial services and that's primarily being in PESA. We've got 75% at least now of the economically active adult population using in PESA, transacting most of the GDP each year goes through our platform. We look at it and say that we have four pillars of success. The first is certainty. The understanding of the user that he can use it pretty much everywhere. He can get a consistent user experience. He knows exactly what he's getting. It's the same type of transaction whether he's doing a merchant payment, whether he's doing a person to person payment, whether he's receiving international money transfer. Critical mass is incredibly important. Somebody said out there that if you don't get critical mass you'll be in critical care. Without critical mass, most of these services just don't get traction. It doesn't matter whether you're Apple or whether you're in PESA, you need critical mass for that to be successful. You also need good pricing. For the poor, cash is frictionless. There's no third party trying to take a slice of that transaction, putting their hands into your wallet or pocket and taking a bit of the money away. That's still a problem that we have with digital financial services. There's always people to pay. As you interoperate and as you interconnect through switches, there's more and more mouths and more hands wanting a slice of that transaction. And the more we're able to keep that under control and keep the price point right at the very low end, the greater the use. And then finally, reward and loyalty, rewarding people beyond just being able to do the transaction as another critical success factor. Understand the needs of the customers, don't dictate them, and then provide the right product at the right price. In most countries, innovation is running ahead of the regulators and the regulators have two approaches to take. In Kenya, we were extremely lucky. We had an understanding regulator who basically said to us, we don't understand this. We think it has some huge potential. So we're going to have a light touch regulation until we get to understand it. We work up the wrinkles and then regulation followed. And so all the regulation we're under now actually came in after we were able to innovate. So we were extremely lucky and the central bank and other regulators in Kenya have received massive plaudits for their approach in how they are allowed in PESA to take off as the first in the world. Okay, so technology side, I don't focus much on that because I believe that technology led ignition strategies often fail. Customer focused ignition strategy is the one that worked. So whatever the technology is, in Kenya, we use some toolkit and other markets in PESA uses USSD. I believe slightly less success. Blockchain, smock chain, I don't really mind as long as I get the right service for the customer at the right price. Interoperability is an interesting one because interoperability usually is more around convenience rather than inclusion. There are not many cases where you can point interoperability as a driver of financial inclusion. What it's done is it's given choice to customers, choice often comes at a cost. So we do massive interoperability with banks, we're growing interoperability with other mobile networks, but it is not the major driver for inclusion. So what we've been doing in the first set of meetings and the first output the digital financial services working group is putting out has been basically laying the foundational understanding of what the various components of DFS and digital payments for example are. The next round is going to be around how you take those and apply them and I think that's where we'll start to bring some of the learnings from East Africa particularly saying what are the parts you need to have in place. So for example, are standards important early or is getting a huge agent network so you get convenient access for customers more important. Interesting question. Well first off let's separate those two because the one is highly inflammatory Bitcoin at the moment we're not interacting with at all. Our regulator has said to us to leave that alone and the poor can't afford the volatility that that environment has right now nearly half of all Bitcoin exchanges have failed within the last six years daily volatility of the exchange rate none of those are viable or fair for poor customers. Blockchain is a technology different story. And I see enormous use there for particularly countries that do not have a national identity system so how do I provide identity services for the poor who are being excluded because of global AML KYC requirements it's not their fault they don't have an ID document it's not their fault that they do not have an address. Blockchain is one of the ways that that could be provided. Blockchain will also flatten the intermediary chains between one transacting party and the other. So people like Swift, National Switches, the Card Associations I think ought to be very worried about blockchain. Take Apple Pay right now that runs on top of the Card Association you know if they got critical mass at Bank at Merchant they could replace that with blockchain in an instant and cut out that huge cost. I see tremendous upheaval coming around blockchain in the future. So if I take our market for example we're doing millions of transactions we do about 150 transactions a second about a hundred million dollars a day moves through in PESA and yet we're only doing about a quarter of a transaction per customer per month in payments to Merchant and that's where the critical mass is you know I've got to solve that relevance point which we haven't done yet we're working on it and that's going to take different technologies it's going to take different pricing to provide the viability point for a merchant you know in the card space you know you're looking at an average merchant commission globally of around two and a half percent for what we call a mum and bogey this is a street trader this is a mother typically who will be waking up at three in the morning going to the market to buy some vegetables and then walking out into the streets to sell those to the populace you know she's got tiny tiny profit margins and to expect her to pay even one percent just simply doesn't work and that's one of the reasons why we haven't penetrated that market it's been too expensive for her to use our services we need to make mobile digital financial services as frictionless as cash it ought to be as easy as handing over a banknote and it ought to be as cheap as handing over a banknote that's the challenge


Welcome back to a new vlog, I hope you're all good. So today, lots of us use Goodreads, right? I feel like Goodreads for many years has had a monopoly over reading, tracking, but it's old. And kind of recognizing that Goodreads had this monopoly over the industry for kind of no reason. There's been a lot of book tracking websites and apps that have sprung up over the past couple years, and I have tried every single one of them. And I've never been able to make them stick, and I don't know why, but I want to change that. So a new app called Literal got in contact with me and wanted to know if I wanted to work together, and I was like, yes. Because I had a quick look at their website and app, and it's so like beautiful and aesthetic. And I was like, okay, this is the one I'm going to make work for me. Because when I've tried one before, and I haven't stuck with it, I'm like, okay, for some reason we don't gel. But I really want to make another like alternative book tracking app work for me. So in this video, Literal is going to be picking what I read. So I'm going to be using the app to kind of determine what I read in this reading blog, whilst also kind of exploring all of the different features and aspects of the app, and kind of reviewing it for you guys. And we're just going to go through it together. And I'm really excited, but it's obviously also going to be reviews of the books I'm reading, like a normal reading blog, but we're going to explore the app as well. I don't know what to expect, but I think let's just get into it. Okay, so it is time to choose what the first book I am going to read for this vlog is. I currently, on Literal, only follow three people. And that is Olivia from Olivia Rizalate, Genesis and Victoria, who is one of my patrons. So I only follow three people, but three people who I think I have pretty similar reading tastes to. So I want to do around, I don't want to follow any more people right now, I want to do around where one of them pretty much picks what I read. Whichever book we see first that I own, I'll read. Not, I've read Bunny already, so not going to be that. Don't own Kingdom of the Cursed. Okay, hold up. I own Defy the Night by Bridget Camera, but I want it to be, usually one of these kind of videos, it has to be a book someone's reviewed, not like I want to read when someone's like I want to read this book. It has to be a book someone's reviewed. So we're not going to pick that.  Okay, that's so exciting. Oh my god. I own The Last of My Life by Riley Sager. So we're going to read that. And I am just, I am so excited. Oh my god, I have read two Riley Sagers. And I've always wanted to read The Last of My Life and I own it somewhere in this mess of books. Don't even talk to me right now. We don't, by the time this video comes out, hopefully I think it will be sorted. But as of filming this clip, no it is not. So Victoria gave it four stars, said it was intense, intense, intense. I love these little markers, these little descriptions for the books. Intense. Okay, am I ready for an intense book? I think I am. Oh, okay. Olivia read it also and gave it three stars. Interesting, interesting. Other people have described it as page turning, unforgettable, surprising, unpredictable. Oh my god, it's Zoe. Hi, Zoe. Wait, I need to follow Zoe. Okay, I am going to go ahead. I'm going to go find The Last of My Life and I am going to start reading it. And I'm excited. I don't even know what the plot is. So I'll chat to you about the plot when I come back next. So the days became weeks. It felt just like the night before. You were slowly fading in my mind. But I was soaked. You were some of the best of things Okay, currently I'm about halfway, I think just over halfway through The Last of My Life. I haven't really read The Last of My Life. Why is my chest red? Sometimes my chest just does that. Please ignore that. Sometimes I just go red. I've been struggling to read for the past week. Me on the inside. Right now. Life couldn't get any worse. I don't know. Sometimes I just go through stages like this where time just escapes me and I don't end up reading. But I started the audiobook for this yesterday because I was like, I need to actually read this book. I start the audiobook and I'm loving the audiobook. The narrator is amazing. She has kind of like an unusual accent. I'm struggling to place it. I don't know where it would be like. But the way that she sounds something, she's American. But the way she sounds something sounds kind of British. And I really like that accent. I find her accent quite relaxing, which isn't exactly what you want from thriller. But anyway, I'm really enjoying it though. I would say I'm enjoying it as much as Lock Every Door, which was like a four. I think Home Before Dark by Riley Sager was like a 3.5. That Lock Every Door was like a four. And this is what I'm feeling about this one. So in it, we are basically following this woman who was at this camp, I think about 15, 13, 15 years ago, and the girls that she was rooming with and was friends with at the summer camp went missing. They were never seen again. Their bodies were never found. And she feels a lot of responsibility for what happened. And she is invited back to the camp 15 years later to kind of be a mentor. It's reopening for the first time in all this time. And she's invited back. And I don't trust these rich bitches who are in the camp. I don't trust this family. It feels, it feels like there's something sour going on in this family. Rich people. I feel like there's always something sour going on. So I don't trust these bitches. Every character in this book. I felt it because I was letting you know what time it was. And what time it was. What time it was was I'm a very respect. And the reason it's called a lot of my life is because there's kind of like a theme of lying throughout it and we kind of learning that she was very close in particular to one of the girls who went missing. And she kind of taught her like how to manipulate truth and lie. It's not manipulate, it's not the right word. But like you know she taught her to view that in a different way to kind of get what she wanted is my understanding. But she feels a lot of guilt around the situation for a reason that we don't really know yet. So there's a lot of intrigue, a lot of mystery going on. And I'm really loving the setting of this kind of outside summer camp rural like you can feel like the the bugs buzzing around the lake. And like I feel like it's very atmospheric. And what you know I feel like all of Ryusei's books have kind of been like atmospheric. So it must be something that he does well because I'm really enjoying that aspect of it. I think our main character is very interesting. I'm really loving the flashbacks. It's like a good, they're not so far. I would really recommend the audiobook though because that's what like got me into it. I found the first like 20 pages not very like it didn't hit me. It didn't get me until we went to the camp and then I was like okay I'm in this.  So I'm so happy that like this vlog has made me pick up this book because otherwise it would have taken me forever to read it. And now I'm actually really excited. I'm gonna try and finish it today. I just want to let you guys know we're going to be talking about literature obviously throughout this whole vlog. But you can't import your whole of your Goodreads library into literal so easily. It did it so well for me which I think often holds some people back from starting these new kind of apps because you're like well I've got this whole history over here. But it imports it all with all the dates, all the different shelves which is the best thing. That is the most important thing for me. So I'm just import like what book she's read but literal imports are your custom shelves which I think is amazing. So I'm gonna show you quickly. If I go on library and then I click on all books I can then see all my different shelves and it's kept them all. And I feel like literal shelving system is better than Goodreads. Goodreads like took me a while to figure out but I feel like making new shelves like it's literally create a shelf, give a name, add description, create a shelf. It's way easier. I feel like the Goodreads one was a bit complicated. Like it took me a while to figure it out. So now for instance like when I'm doing TBR Cludo I need to see what books I've got in specific genres. I can easily go to that and see all the different books I own in that genre and it's super helpful. So yeah I love the shelving system. It's super easy to use. 49 2021 releases owned. Besties that's that's actually that's actually a problem. We are going to pretend we didn't hear that. I also really like being able to see on how many other shelves the books are saved on. I think the design and the aesthetic and the kind of thought that's gone into the design of literal is amazing. So yeah if you're worried about importing Goodreads it's super easy to do. So that's like a great thing about it. So I'm gonna go do some more work today. I've got a few more things to do and then I'm gonna come back tonight and hopefully finish this. I'm really excited. I'm gonna listen to the audiobook now whilst I have I've got a little bit of work I can do while I listen to the audiobook but most of what I've got to do today I can't. But I feel like I'm excited for kind of shit to hit the fan of it. I'm excited for it to get a bit like crazier is what I'm wanting and in this last half. God, Jesus Christ. Check out their face man. Last night and I was listening to the audiobook and never do that and the thing is I listened to almost all of this via the audiobook. I pretty much almost read it exclusively via the audiobook and in that moment basically without spoiling anything you were kind of being led to think one thing was happening and then it turned out something else was happening. I think often my eyes stray around the page shall we say and I end up looking at other shit on the page right and if that had been the case if I'd been reading this physically I would have spoiled it for myself right. I would have spoiled it accidentally but like you see other words on the page but listening to your audiobook I had no idea until that final line was said and I was like and it was bold and I was like it was. It is brilliant American literature and I don't care what anybody it is it's lit it should be taught in schools. I don't have any words. It was so good and that's when I think audiobooks are the best. They're really good for when like for the unexpectedness do you know what I mean? So needless to say I loved this. I ended up giving it a 4.5 stars now here's the thing this is my love about literature we're having half stars this is like genuinely like I just I feel like half stars are a necessity because when I'm writing a book on like Goodreads for example where there's not half stars I would have like listen it do take me a little moment to like you know think about whether it should be five stars or 4.5 but I would often think you know it's a 4.5 but I don't want to give it five stars like as the rating even if I'm going to say 4.5 stars because I want that to be like my exclusively my favorite books but then sometimes I may I may think like oh come on what a different what a match for difference is in it's better for the author if you can give five stars so sometimes I have just given five stars to books that arguably are a 4.5 and I feel like having the option to just give half stars completely changes the way I think about my ratings and what ratings I'm going to give I feel like it changes my mindset because even like on Goodreads if I'm writing a book I will type 3.5 stars whatever and rate it a 3 or a 4 in the function but I feel like having the the star system the half star system available makes me think differently and makes me maybe make sometimes a better decision in what I'm doing so anyway all that to say I really loved it I thought this had amazing twists and turns oh I didn't mention the end the end which you just saw me reading you guys I was thinking to myself as it was coming up to the end I was like okay we need a last like a page last page twist which I don't always love there's been a few books a few a few fronters where I'm like oh I hate when it does that I hate when it does that because I hate when a last page twist completely changes the context of everything everything that we've read without really explaining like what it actually means does that make sense like I hate when it makes everything we've read a lie without actually like explaining what this actually then means for everything that we've read whereas this didn't do that it the curve for the end was perfect I did not I did not see it coming I was ooing I was on I was wincing I was loling quite heartily it was like the perfect twist and I was gagged I was goop I was living I was living for it I was living for it this is my favorite righty say guy I've ever read and I don't feel like you hear about it spoken about as much like I feel like lock every door spoken about way more and that was good but this had better twist and it's so atmospheric the setting at this summer camp was so like magnetic and like electrified is how I would explain it the I can't get into it but all the different kind of settings we moved into as the book went on I just thought were incredible so I am so happy that because of this video I read this book otherwise like I said I would have read it like 10 years in the future so to pick the next book we're going to go explore literals book clubs which I'm very excited about so they have book clubs they have so many you can create your own book clubs with your friends or it can be like a big wide-scale thing so you open you go to clubs here explore clubs and there's loads of different types I had a little scroll through before cozy readers the queer quest books of horror cookbooks too many tears oh throw in a time oh students like academia so I don't know what I'm gonna pick because I'm gonna go into one of these and whichever book has been reviewed most recently I'm gonna read aesthetics oh it has to be a book I own so the most recent book has been reviewed that I own oh writing with us that's fun I don't think this I'm gonna join this club oh this sounds fun so like you create posts as well like in this one as you can see there's posts about like writing tips and stuff oh like writing advice wow this is so cool I didn't even know there was this one okay I'm gonna explore that one later but we need to find out what book I'm gonna be reading just read a thriller so I don't know if I want to go into thriller time there are more book clubs than just this by the way there's loads of other ones but this is kind of like the handpick recommendations let's go into the queer quest or I can go into the books I don't any only those three so they are the books that have been reviewed yeah for this club so I don't own any of those so we're not reading them do I want horror I don't think I do I don't think I do okay too many tears again oh me before you nope no there's none there that I own that I haven't already read um aesthetics let's go into this oh yeah maybe you find yourself cut up in your bed with warm beverage on your nightstand I want to read a book that feels just like that or matches the fresh air and chirpy birds outside during... girl you have sold me I am sold the inheritance games don't own it but I want to read it red, red or blue have read it, ninth house have read it, red or blue have read it okay so Blake reviewed the ones and future witches gave it four stars remarkable page turning powerful intelligent deep okay we're gonna read this I don't know much about the plot other than it's about witches and sisters okay here's the thing one of my patrons Charlie I know you're watching loves this book and has been telling me to read it for ages so this is for you um oh my god hang on it's right here isn't it yes it's right here listen I'm hoping this is a quick read we are going to be reading the ones and future witches by Alexi Harrow I have this gorgeous a lumacrate edition of it and yeah I'm excited we're going to learn about what it's about together I have got patron live sprints in a few hours so I'll probably start it in that but oh my god oh my god I can't believe it okay we're reading this besties no no no no no no no no no no no no screwing crying going up screwing crying I cannot take it I actually can't take it I can't take it I refuse I'm abdicating I'm not God what's going on guys where's the chairs man that fix though the hell's going on I don't think I was prepared to love it this much I'm I'm flying through it right I've only been reading it today and I'm halfway through I'm on page 250 it is currently five o'clock in the afternoon and I'm hoping to like get through pretty much the rest of the book tonight besties I am crying I am crying so listen it's amazing basically we're following these three sisters in 1893 in New Salem as they get reunited after seven years apart and it's basically them discovering their witchy powers and using it to bring justice for women that is very tied up in like trying to get the vote for women as well and but it's it's more just about the magic coursing through this story as I actually can't explain it to you it feels a bit like a fever dream it reminds me very much of like some of my favorite authors like Laney Taylor Aaron Morgan said it's very Aaron Morgan said I mean Laney Taylor blubs in the front so it's like oh come down come down it's like ferocious and like you know one of our main characters has so much anger and our characters have so much hurt but they use that to fuel the magic it's like incredible I immediately went and put all of Alexi Harris other books like on my wish list and want to read everywhere because I was like listen listen it's definitely reminding me a lot of strange case the alchemist daughter as well like um uh I would say almost the main character although all the three sisters are kind of main characters but the younger sister Juniper definitely reminds me of Diana from the strange case the alchemist daughter in kind of like the roughness and the anger and the like bullshiness of of them so they definitely remind me of each other but I don't know discussions on women's rights and what it meant to be a woman at this time and the the tough choices that you had to make and how difficult it was I'm just absolutely loving it I cannot tell you how happy I am that I have read this all of a sudden like it would have taken me years to read this otherwise just like last to my life so that's obviously what this video is proving to be good for I don't think I can convey to you how beautifully written it all is like oh it just it just paints the most wonderful images with words sometimes these books they're they're heavy right this is why I don't know when I'm gonna reread the salicy because it's so heavy with this beautiful lyrical writing that I feel like it can be a bit intimidating so there's moments where I'm having to be like okay make sure you're understanding all this Megan and not just letting like the beautiful words wash over you but yeah I'm loving it I'm halfway through I already know I'm gonna read all of Alexie Harrow's other stuff it's just like tied up in childhood and nursery rhymes and and family and oh I feel like today the future starts so it's a good day I want to show you another super cool feature that literal has tied into how many beautiful quotes there are on this book so basically if you go on to highlight here you can add a quote that you really love so I typed out one earlier so it would be quicker here so I can copy and paste it this is one of my favorite quotes I actually got chills when I read this or perhaps for all of them for the little girls thrown in cellars and the grown woman sent to work houses the mothers who shouldn't have died and the witches who shouldn't have banned for all the women punished merely for wanting what they shouldn't are you gagged are you gagged I love this feature so look how cute it is with a little line next to it I don't know I'm in love with this book excuse me I can't remember what page it's on I'm gonna publish that oh look at my little highlight and then if I want can share it to Twitter which I'm gonna do firstly I just love how they look on the app I think they look so cute oh look oh I just love I just love it I just love it I think it's such a cute feature oh I love how I love how it appears on Twitter doesn't it look so cute oh it looks so cute so people scrolling through Twitter see it like that so yeah I absolutely love the highlight feature on this rule I think it's such a cute feature and I love scrolling through and like seeing little quotes other people have highlighted so anyway I am gonna go read the second half of this I literally it's all I want to do this evening I was gonna try and edit some of this video but I'm like that is gonna be tomorrow's problem I am just going to read this back listen I'm giving it five stars I'm giving five stars it is one of my favorite books I've read so far this year but it feels like I didn't really experience it like I feel like I need to read this five times because there's so many words there's so many words in this book like I don't understand this how does alexie harrow know this many words how how are there this many words and it's alexie harrow's brain I don't understand but anyway I I loved it the ending I didn't believe certain things were gonna happen and then they did and I was like hang on hang on and then it just I almost cried I was doing my makeup as I listened to the end of it by the audiobook and I almost cried I was doing my eyeliner and I was like sis you gotta hold it in whatever you're gonna do you just can't cry even though I wanted to cry because I love crying at books and I love that like emotional release it's one of those books where I love it so much that I I don't have words like this book is beyond me I can't review it because it's beyond everything that I I know it was incredible why did it take me this long to read it why it bye I just the pros in this is incredible the familial relationships in this are incredible the storytelling the way that the story flows is incredible like oh some books you read and you feel the plot points right you feel you feel the plot beats but this is just like just a smooth journey of beautifulness and gorgeousness I just loved it I just thought it was absolutely incredible I need to reread it immediately because like I said it's such it again it's very similar to how I feel about the solacee like it's so beyond and everything else like it's so beyond everything else I've read like I generally can't review it for you like I listen I don't know when I'll be able to but this is like my guys my guys like this is hard it's a beautiful story it has so much to be learned about you know feminism and women's riots and the thoughts that it had about human humanness and like life in general went so beyond anything that I feel like other books come up with like I feel like it was so clever in the stuff that it was saying it was just gorgeous and beautiful and wonderful and you will need to read it like if you haven't read this yet you need to read it oh my god oh my god oh my god I you're gonna have to wait to my wrap up for me to form coherent words about this because I just can't I just can't I actually just can't I'm sorry to be a failure but I can't I actually I can't final thoughts on literal as an app I absolutely love it I feel like I have been using it so seamlessly and easily like I said with other apps like this I've struggled to use it like I've kind of imported my books in maybe or put some books in and then I've never used but I find the review section really really good on literal like it the reviews don't seem daunting I feel like on Goodreads you feel like you're expected to write like a fucking essay because everyone does I don't like that whereas on literal you know it's it feels smaller it feels more compact it feels just less intimidating to write a review for so I really love that aspect of it there are of course things I would love to see on the app that it doesn't currently have but it's very much in its infancy in its early stages on their website you can find a list of things that they could add to the app that people have suggested and you can suggest things that you may want added to the app and it shows you which ones are in progress or which ones they're planning to add so this app is constantly evolving and things are constantly being added for example I would love to have stats on there like reading statistics even though that is something I check myself um I like the website I use to have it as well that is something that has been suggested and upvoted lots so hopefully I'll add that at some point so go have a look at that I'll have put some on the screen because things are going to keep why am I holding the book up things are going to keep being added to the app but I really really loved it so I'm going to leave my link down below I'm going to leave a link where you can join I'll also leave my profile link down below I'm going to be following everyone back on there who joins to kind of grow my circle because it's a very small one at the moment so make sure you go down there and join and follow me and I'll follow you back on there and thank you again to literal for sponsoring this video it has been so kind of wonderful of them but obviously all my views were not affected by the fact that I'm sponsoring this video I just wanted to try the app out and give it a go so yes I hope you're all good if you've gone to the end of this video leave a flower emoji for this gorgeous cover leave any flower emoji if you've gotten to the end and I'll speak to you soon in a new video bye


As the crisis of capitalism reaches new heights, with unemployment at unprecedented levels, hunger afflicting tens of millions and inequality at its most pronounced, the world's elite keep their eyes on profit and expansion. However, the toiling masses across the world have refused to accept this destiny of misery and starvation. Creeca is open. You can just come in, make money out of black African labour, and take it outside. Free of charge. That's our struggle. That's why we are out there, because we can't keep quiet anymore. People's movements have remained on the streets and plazas to raise their demands to fight for a better world. At People's Dispatch, our mission is to report on these struggles to defend humanity and the Earth. Support our work at the only portal bringing you news directly from movements across the world. Like, watch, and share.


great okay well you welcome everybody good to see you good to see you all in class once again what's up Francis good to see you all everybody online cheetah missing you here man what's up what happened my hell is not too good so I joined this year so online okay okay cool all right where you take him up hope to see you soon hi Nina good to see you and everybody else good to see you all still once we're joining in I see Ravali is joining online okay so well welcome to this course the local church we will be using a PC publication called the house of God cheer as like the ghost suddenly yeah I hope you all got the publication a PC publication the house of God we will be using that and I hope everybody online was able to download the PDF that I was shared in the stream section if you haven't been able to download it please let me know I'll I'll share the file again okay let's pray and we before we get started father we we thank you for this new day we thank you for this opportunity that we have the privilege that we have Lord to learn from your word Lord I pray that we will never take this opportunity this privilege that we have for granted to learn from your word I'm so Holy Spirit right now we open up our hearts Lord we open up our hearts to you so that you would open up our eyes to the wonder of who you are and so Holy Spirit I pray that you will come and and just reveal the wonder-working power of Jesus I pray that you will reveal and pour out in touches with your wisdom with your knowledge and your understanding as the words is a you are our teacher our counselor I pray that we would be sensitive to the leading of your voice I submit and surrender everything every word that I have to share speak to me speak through me I pray in Jesus name amen okay so we learn a little bit about the local church this semester and this subject about the importance of it what is God's plan for the local church why is it important what happens if it is not important and whose idea it is etc etc right so in a way we are all kind of part of a local church isn't it wherever you come from you know maybe in the city for now some of your help in APC and whatnot but we are kind of part of a local church isn't it and and there's some just in this locality or the locality that I come from it's called a Hormau Agra and so yeah Hormau Agra yeah Babusapalya so from Kamanahali around Kamanahali to my area locality of where I come from itself has a approximately at least 3000 churches yeah I'm not kidding okay yeah so we did the survey long back when we did this power to change campaign mid 2015 or 16 or something now we might have increased but just to say that okay yeah there are a lot of churches and for many that can be the local church for that area for you know that they are tend to that they are member of and even if there are 10 churches all if all 10 churches will have different methods in the way they function isn't it like they won't be identical and that's why some of us are part of a certain church because we like certain methods and things that happens in a church and whatever right it comes down to a personal preference isn't it but when we talk about the church or the global church it has anybody asked you this question hey are you a protestant yeah been asked this so I kind of get a little confused when someone asked me that question like are you a protestant I'm like I'm not really protesting anything right now something happened like 500 years ago are you a Catholic or Catholic simply means global church so I'm part of a global church in a sense so that means yeah okay I'm a Catholic so you know that's what it means when it comes down to the doctrine that's when Roman Catholics comes into it different that's the difference between Roman Catholic and Catholic Catholic simply means global church or the universal church so in a sense we are all part of a universal church isn't it and and so this you know we've we've made this thing of church you know some so vast and so it can be very confusing isn't it but God has given us a blueprint in his word isn't it and he's always done that we look at a verse very soon but then he Jesus said in the inverse he says I will build my church isn't it we look at the verse in just a second but I will build my church okay now anytime God tells someone to build something he just doesn't say go build you son of Noah go build an arc Noah however you want it whichever color you want pain binda's in a whatever shape you want go but no he gives the dimensions right the meters every inch matters isn't it so what he's giving is in his own way he's giving Noah a blueprint yeah and same thing with the tabernacle of Moses isn't it so he tells Moses okay now he goes into the details of interiors and all interior designing out of the right of which color how we should look what skin you're supposed to be using all of that and then Moses comes down with the blueprint and he gives it to the people of Israel saying okay here's the blueprint now let's go build it then he goes and finds the craftsman the skill man you know people who are skilled who are who can build and design all of these things so let me just share I'm sure we've all seen an image of a blueprint if not I'll try and share it so we can all just kind of look at it okay does anybody's house look like that okay can you see the screen okay so floor plan right so that's an example of a blueprint okay and architect would explain this very better but I have a couple of friends so I asked them because you know we use the word blueprint a lot in this publication at least in the initial stages so my friend said that before they start a day constructing right okay they come in and they start okay and we're gonna build they look at the blueprint at the beginning of the day before their hands touch any tools you know a hammer or whatever they look at the blueprint and they'll plan and after they finish the entire day's work they'll come again and look at the blueprint at the end of the day after they finish their work so they look at the blueprint before they start the work and after they've done for that day's work they'll come back and look at the blueprint and just to see if everything is alright if everything is according to the blueprint that was mentioned right the measurements and all of that is in place and so God's word is filled with you know reference points for us and so this manual the house of God is is just going to help us enhance and look at what you know the Bible has to say God's word has to say as a blueprint are you guys with me yeah so we're not going to look at the exact methods I'm you know this course is not about okay if you follow these 10 methods you will have a successful church it's not about that we're not going to give any methods or specific techniques to run a local church but we're going to constantly look at God's word as a blueprint and what he has said about how a local church should function okay so what Jesus has said how a local church should function and so that's what we will be looking at everybody okay yeah so I'll stop sharing this everybody online doing all right just let me know as most of us are here okay let's continue to go to the chapter one but okay before we go to the chapter one if you can just quickly go to the table of contents in the publication we'll just have a quick glance at it awesome okay so we have a few sections section one will focus on its origins and its purpose what is the or you know where does this idea of a church originate from what is its purpose and under that we have a few topics that we will look at and we will look in depth in detail about what you know the God's blueprint God's word has to say about the local church and section three talks about divine order and section four talks about ministry organization and development okay and and section five talks about reaching out so we have five different sections towards the very end we will not be we will not be covering all the chapters and tell you why but let's go to section one chapter one to start things off section one origins and purpose so the main what is what do you understand by the word origin where it started yeah beginning yeah origin that's what the word origin is isn't it we've seen that title in so many movies also like the origins of Superman origins of spider-man you know that means it's the beginning story isn't it and so when we look at the section one and chapter one chapter one title the church it's spiritual and natural dimensions so just by the title name we can understand or we need to understand that the church has a spiritual dimension dimension to it and a natural dimension to it okay so there are two different aspects to the local church okay so let's start off look at the bus chapter math Matthew chapter 16 was 15 to 19 Matthew chapter 16 was 15 to 19 let's look at that and I want you to pay very close attention to it because I want you to tell me later what you understand of it okay Matthew 16 15 and 19 he that is Jesus said to them but who do you say that I am question mark Simon Peter answered and said you are the Christ the son of the living God Jesus answered and said to him blessed are you Simon Bar Jonah for flesh and blood has not revealed this to you but my father who is in heaven and I also say to you that you are Peter comma and on this rock I will build my church and the gates of Hades shall not prevail against it and I will give you the keys of the kingdom of heaven and whatever you bind on earth will be bound in heaven and whatever you lose on earth will be lost in heaven okay cool so very quickly just share a few things what you can take off or you understood from that yeah anything he did like he's asking like his disciples like who does who do they think that he is because he's been with them like for these many years or months and like Peter is the only one who truly saw who Jesus was so he said that you are Christ and I say and all that and and then Jesus and I mean Jesus blesses Simon and he tells him that like no one has told you this or it's not by your own thinking it's God who has told you this or revealed it to you and he also says that Peter that he's gonna be the one who's gonna start the church yeah okay all right so that's if you have your Bibles does any any of your Bibles say where this thing happens thank you okay yeah Caesarea Philippi Philippi if it's a pronoun so it doesn't really matter tomato tomato potato potato whatever so okay so now I see here's a thing about so there's a difference between reading the I've mentioned this so many times right reading the Bible and studying the Bible isn't it Bible was written for us that means when you read the Word of God you are blessed you are edified you're encouraged your everything right your empowered isn't it the Bible was written for us but the Bible was not written to us okay it was written to a different audience a different people thousands of years right so that's why you know when we meet someone for the first time we ask okay hey what's your name and where are you from someone says from Hyderabad immediately what do we say oh I love Hyderabad the biryani you see we as soon as they say where they are from geographically we associate the culture of that land and then we can go on isn't it yes or no okay so now let me just quickly show us the map of where this place is now you can see that awesome okay so that is the map of the ancient Israel and what now you can see the region of Nazareth and Galilee and all other names that is mentioned there okay you see the sea of Galilee and then the Dead Sea up in the north you know and then you see right on top of the where the Aramaic points says Caesarea Philippi okay and it's actually in the place where it says Banias B-A-N-I-A-S okay it's up in the north now Caesarea Philippi now that during this time King Herod was the king King Herod okay it's the son of the other King Herod he had three of three sons okay so each of them had he built a temple for them he had given them in charge of three different regions all three is not mentioned but it's there one of the sons name was Philippi and so he this son Philippi was in charge of that region and Caesarea was given to in honor of Caesar okay like because Roman Emperor Roman Roman what Empire Roman Empire was still in charge of that region isn't it so that's where Caesarea Philippi is and then if you just look above is slightly in the top right hand corner it says Mount Hermon I know most of the scholars claim that's where and because if you follow that's where they are going next if you read in the next chapter is that's where the Mount of Transfiguration kind of happens okay and now that Mount Hermon is in Israel is the highest peak in the region of its entire nation of Israel that mountain is about 9,000 odd feet or something and so as you keep climbing up that hill the weather changes and it's filled with snow capped so if you later Google or YouTube Mount Hermon there are a lot of ski resorts ski where do you have ski resorts when there's snow isn't it so that region is filled with snow now every time there's a snow when the climate changes there will be the snow will melt down and then just like the Himalayas you know water there will be abundance of fresh water right filled with rich and where ever there is abundance of water the land is fertile okay so there's a lot of things happening here in the region for us to understand that so that is where they're at secondly that region was strictly prohibited for the Jews why okay so now take a quick glance at it if you want to take a photocopy of it you can take as in some photocopy screenshot let's I'll stop sharing but now I'll show you let me share another okay now I'll show you I'll share that images okay now can you all see that region that image screen yes no maybe yeah yeah okay cool okay so now that is the region a part of the region of Caesarea of Philippi now this place was prohibited for the Jews to go there why because think of Sodom and Gomorrah and all the evil they did and multiplied by a hundred multiplied by a hundred so this place made Sodom and Gomorrah looked like a holy people the kind of evil that happened in this place you can think of everything nasty from idol worship was the basic thing from idol worship to sexual immorality to bestiality and and and children sacrifice you know all of that everything that God absolutely hates would happen in this place now now you can imagine when Jesus is taking all these disciples to the region where this it's prohibited for the Jews to go everybody's wondering where are you taking us why are we here we're not supposed to be here you know that right I hope you know that Jesus we're not supposed to be here now the place is called Banias because that it was a Greek and a Roman God called Banias later which was renamed as Pan that's why it says the grotto of Pan there in the image okay now and now you see like a cave over there with water abundance of water okay so here's the thing I said that the land would be fertile and and everything nasty that would happen in the place isn't it so what people of that region would do is they would offer up a lot of sacrifices for example okay we'll just so what people would they would do is they say for example they would take a lamb okay and and you know cut it kill it and then they'll throw it into that cave of which is filled with water there that you see now if the lamb drowns that means their offering is accepted so they will have a bountiful fertile harvest if the lamb floats that means the sacrifice is not accepted okay all these cultural things I'm just sharing with you because it was pretty nasty isn't it and there would be a lot of idols of all these and Pan is one of those gods if you look for those Google images you'll be a half man like with the body of a man and with the head of a goat that's I'm not making it up okay it's okay don't look at me okay and then there'll be a lot of graven images of all these idols over there and what another idol that would be present over there I mean that they carved was a Greek god by the name of echo so this according to their mystical whatever thing understanding this particular God always used to live in caves and so now you understand the phenomenon that happens in a cave when you say when an echo thing happens now you know where the word echo comes from because of this God used to live in one cave that they're understanding you know so all these different graven images of you know Greek and Roman thing would be present in that and the disciples are seeing all of this the disciples are seeing all this graven images idolatry and all the evil that has happened and then Jesus turns to them who do you say I am you see the weight of the question is he's not just asking he's making everybody see what you're see you know what is happening there the most evil place there and then what follows also is this is brilliant now there's something called biblical allusions allusions is Jesus youth that all the time is if he quoted a verse he was not from the Old Testament he was not just pointing them at that particular verse he's always pointing at the verse before and the verse after and that's why most of the time they wanted to stone Jesus as in he also made them think right and so that's why it's kind of important of what happens before this verse where it's happening and what's happening after this chapter you know what's what's going on so okay you'll want to take a screenshot of this or because it's available on Google but okay that's also available on Google okay so I'll just stop sharing the screen for now and so now we look at that verse again let's go to the scriptures Matthew 16 15 19 then it says to them he said to them but who do you say I am in the in the midst of everything that you see of all these man-made gods and idols and whatnot okay the Simon Peter answered and said you are the Christ the son of the living God that's a very powerful declaration isn't it now despite the fact that everything that is going on then then Jesus answered and said to him blessed are you Simon Bar Jonah for flesh and blood has not revealed this to you but my father who is in heaven and I also say to you say to you that you are Peter and on this rock I will build my church and the gates of Hades shall not prevail against it now oh man I wanted to make one more the point gates of peace sorry sorry sorry sorry where is that yeah just one more time just a very quick glance I because I missed out at a very important point I mentioned about that cave right that water that was supposed that was known as the gate into the underworld that was known as the gate into the underworld according to the people of that region gate and so now you can also understand why Jesus is using the word gates you see these gods you see this gates of hell and all this evil thing that's happening you know people throwing sacrifices their child sacrifices used to happen and all of that you see that evil thing the gates of hell that's being worshiped as that was not going to be successful okay as you advance so and I say to you I will build my church and the gates of Hades like in a way he's pointing it you know metaphorically and literally say shall not prevail against it so the church that I'm going to build and the culture that I want to establish and the kingdom that I want to establish see on this earth will you know will succeed and this gates of hell will not prevail against it right and I will give you the keys of the kingdom of heaven and whatever you bind on earth will be bound in heaven and whatever you lose on earth will be loosed in heaven okay are you all with me so far yeah 30 minutes has gone by so fast okay so awake and on this rock another important point that we need to remember is on this rock what is the rock most of them say it's okay it's Peter and all of that but when you study the text and its consistency with every other scripture you see what Jesus is pointing out and saying this revelation that you had that is the rock the revelation what that I am the son of the living God I'm the Christ the anointed one on that revelation on the revelation that Jesus Christ is the son of the living God the anointed one on that revelation I will build my church okay so then Jesus says that goes on to say that I will build my church that means the church is his idea anytime you come and say that okay I want to build this hey let's build a computer let's build a new instrument or whatever it's it's obvious that it's your idea isn't it like in Bangalore Bangalore is another thing is known for is what startups okay everybody wants okay let's start the startup that's supposed to be funny but okay let's start a startup because everybody has an idea and so here Jesus is saying I will build my church and that means it's clearly that is his idea okay and denominations are man-made and so one of my friend is studying he's studying a lot of things but you know everything related to theology but then it's very astonishing he said there are at least at least 40,000 denominations oh sure what I can think of is say okay Methodist Lutherans, Pentecostals, Marthoma Catholics, Syrian Marthomas, Syrian Orthodox, what else? Baptists, Brethren, so I can hardly touch 10 okay but the study that he was doing he was suggesting that you know in every region every country again you know we go to Russia they have they have their own bunch of denominations and whatnot right so all the denominations are man-made but the church the global church you know the origin of it is God's idea it's his idea when he says that I will build my church okay and so another truth that statement can claim is that when Jesus says I will build my church that means the church is his the global church is his no man can claim the church is my idea I made it let's spread it okay see okay all of this is fundamental truth for us to understand the importance and the significance of the church globally and then locally right you're with me right okay so any questions so far any thoughts that you want to share yeah I will give you the keys of the kingdom yeah so he's talking to Peter but then and he's addressing everybody everybody understands that right okay so okay okay so followed by when Jesus says I will build my church the following statements he says and the gates of Hades shall not prevail against it okay so another thing that he's implying there is historically ancient cities had gates okay and it's like at the gates you know we have Panchayat systems here where the Panchayat leaders will sit under the tree and banyan tree and you know talk about the welfare of the city of the town of the village and what not right so all of that used to happen at the gates of the city everything important everything political to discuss about the welfare of the town or the city or the village used to happen at the gate okay so that's and and so if you can break through the gate that means you have access to their political system to the welfare and now you have control because you've just gone through the gate isn't it are you with me gets are important isn't it it's like spiritually speaking for example like the altar used to be is that is a gate into the kingdom of heaven like it's a bridge where heaven meets earth like altar is a gate so I will enter his gates his gates with thanksgiving right so that means you're entering into the realm of something supernatural something beyond something powerful okay so God is saying that one of the only function of the gate is it can open and close yes or no I see only thing that can happen can the gate move front and back it really can't right it is stationary yes or no so when Jesus is saying that the gates of hell shall not prevail that means what he is saying is that he's saying the church you advance because the gate is a stationary it can't move front and back you advance to the gate you take the fight to the gate and when you take the fight to the gate don't worry it will not prevail against it that means you will come victorious I guess with me yeah they all okay no okay so the gates do not come to us sorry oh yeah this is pretty deep yeah that the entire that the portion of scripture is pretty deep yeah so we advance to the gates the gates do not come to us okay we can't say as a church okay I'm comfortable now I'm a Christian I will go every Sunday I will sing a few songs come back chill on a Sunday afternoon and I'm happy with that life and whatnot but as a church collectively individually this is the truth God has told us to advance take the fight to the king to the kingdom of darkness and the kingdom of darkness will not prevail because I am going to win and I have won yes right and because I have won the next statement follows now in present tense is that I have the keys right what was lost in the Garden of Eden like this is a very famous saying what was lost in the Garden of Eden Jesus wanted in the Garden of Gethsemane right when he said not my will but yours be done yeah and so that's how he won against the enemy and then in Revelation 118 the yours notes will say he says that all authority has been given to me so the keys represent authority in a way isn't it like I mean anything like basic you can think of a security guard also you come no matter how early you come the dude will come like a boss it's like I have the keys right so that kind of represents authority and that's what Jesus has given to us it's like okay what I have won is not just for me what I did is for you and I'm giving this to you right I'm giving you the key so that now the authority that I have you have okay and that verse Matthew 16 towards the end it concludes by saying whatever so it says I will give you the keys of the kingdom of heaven and you notice the language there is I will give you the keys he's not saying I have given you the keys no Jesus is saying I will give you the keys that means he's prophesying in a way saying that I'm gonna rise from the dead I'm gonna die on the cross I'm gonna I'm gonna come up victorious with the keys that's when I will be giving you the keys isn't it and that's when you see Matthew chapter 28 all authority in heaven has been heaven and earth and has been given in to me therefore go that means I'm sending you with authority isn't it and then he says whatever you bind on earth will be bound in heaven and whatever you lose on earth will be loosed in in heaven okay so the right interpretation of that is whatever is loosed in heaven we have the authority to release it in on earth and whatever is bound in heaven we have the authority to bind it on earth okay so if sickness and disease and all of that is bound in heaven the authority has been given to us to release it in this realm I bind the sickness I bind this disease right in the name of Jesus are you following and what has been loosed in heaven all the joy a piece that passes all understanding etc etc and all of that healing and deliverance the keys of that has been given to us so that now we have the authority to release it on earth isn't it and so that is it's almost a Paul a Paul is what is that apostolic in nature that prayer that all those scriptures that we say is everybody okay are you all doing all right online yeah okay Francis okay okay actually thought I'd go a little fast but then I'm still in stuck in page one all cool right okay cool alright let's move on then guys and so the meaning of the work church so we understood the origins of it the you know the idea behind it is it is God's idea it is a God's will and and what not it belongs to him and so the word church comes from the Greek word as it says ecclesia what do you say in Hindi Kalisa Kalisha you see the connection you see it's very similar isn't it so yeah so ecclesia it's a Greek word it simply means egg means out of places means a calling to call so when you put it together that means you've been called out of it's interesting isn't it the church yeah it's been you've been called out okay you were in darkness okay called out of okay like the people of Israel coming been taken out of Egypt so you've been called out you've been redeemed okay so the church is redeemed and that kind of points to the salvation that we have in Jesus isn't it so we've been called out we are in this world but not of this world we've been called out we in other words it simply means set apart isn't it right let's look at a few points there mentioned so this was used among the Greeks for a body of citizens for a body of citizens gathered to discuss the affairs of the state so a bunch of people were gathered together to discuss the affairs of the state and so they were known as ecclesia and there's so much to take off from that as a citizen as heavenly citizens that's what the Bible calls us isn't it as heavenly citizens we are to gather and discuss about the affairs of the kingdom of God so that it can be established here on earth as a gathering of Israel summoned for a definite purpose in its literal sense the word church simply refers to the gathering together of those who have been called out and it's simply a simple reference terms that simply means that it's a bunch of people coming together who've been called out right so and there's this so much depth to that kind of understanding is what is okay to a normal person is not okay to a church right so for example like Nazarites from the Bible Nazarites for numbers chapter 6 it talks about the Nazarite vow and what not right and the Nazarite vow for a period of person when they say okay I'm going to make this vow for a month or two months for that period you're not supposed to drink wine or cut hair or go and close to attack you know to a dead body and touch it and all of that right so basically in that sense the Nazarite vow is what is known as a holy vow and so what was okay for a normal Jew a Hebrew was not okay for a Nazarite what was okay you know if it was okay for a person I mean it was absolutely necessary to help a person who is dead to have been burial and what not yes isn't it so what was okay for a normal person was not okay for a Nazarite wine represented legal pleasure of those days drinking wine was a legal pleasure like in this day it's like saying eating chocolate that's why they had wine and weddings and what not okay so it was a legal pleasure that means nobody would say it's illegal no it was a legal pleasure and so what was okay for a normal person was not okay for the Nazarite it's the same thing with the church is what is okay for the world what is chalta here for the world is not okay it's not chalta right is sorry a little bit of Hindi came here but okay so yeah I mean all of that is is very significant the church is we all know this church is more than a building and I think we all felt the importance of a church during the lockdown right some of us met after like nine months is like oh bro hi-fi everybody's hi-fying for the first time it's like haven't seen you such a long time it's been like forever and all of that all the worship recordings used to happen in that hall and then you know and then we would live stream it and we need once in two months or something just to record like for five Sundays we'll record in that you know that hall there and so I think we kind of felt the importance of the community of us coming together the people of God who are called by his name meeting to you know in his name you know that's the significance of it and and the beauty of is like you know you and I we make a church isn't it and when we say that the church is his idea and the church belongs to him we belong to him right and we are all gathered like I know this you know this Bible college and all of us have a background all of us are from a place of our own but we are all coming together a one name visa and we have the one purpose we want to go back and establish the kingdom of God wherever we come from and that's why you and I are here isn't it and that's the beauty and the power of this idea of the church which belongs to God yeah I think we should I continue okay let's just make let's make one point and okay so in this chapter one it's titled as the spiritual and the natural dimension isn't it so one of the points of this we look at the spiritual dimensions and then later we look at the natural dimension and we'll see how far we can go okay the one of the spiritual dimension of the church is the but the word of God says no every time I mentioned the word of God one of the things that you can remember is blueprint was blueprint okay but we look up more into that a little later so Colossians chapter one was 18 and 24 it says he is the head of the body who's the he Jesus right Jesus Christ is the head of the body the church who is the beginning the first born from the dead that in all things he may have the preeminence verse 24 says I now rejoice in my sufferings for you and fill up in my flesh what is lacking in the afflictions of Christ for the sake of his book which is the church okay so there it is conclusive proof that you know the church is the body of Christ so the church is the body of Christ and in the body Jesus is the head okay so Jesus is the head and the church is the body of Christ Ephesians 1 20 to 23 it says and he put all things under his feet and gave him to be head over all things to the church which is the his body okay the fullness of him who fills all in all okay so in a sense spiritually every believer is joined to the Lord once again if you can look at 1 Corinthians 6 17 it just kind of emphasizes that meaning okay so he's the head we are the body the church is his body so in other words like Matthew 1040 it says when someone receives us they receive Jesus when someone rejects us they reject Jesus okay when Paul who was also known as Saul when he was persecuting the church what did Jesus say why are you persecuting me right so he took it very personally isn't it in a sense so we see that Jesus is the head church is the body of Christ and he's the head of the church and now because Jesus is the head of the church and because Jesus is eternal that means the church is also eternal it's not like okay it's only the body you know the head is alive is looking here and there and this you know what I'm saying right okay because the church is eternal and Jesus is eternal the church is also eternal okay all right you know what little pause here I'll stop here we'll come back after a minute break and we'll resume okay thanks guys


It's DDK and I'm back today with another door dance video. Huge shout out to everybody tuning in. If you aren't subscribed, make sure you smash the subscribe button. If you are subscribed, make sure you give me a thumbs up. Today is December 1st. It's the 1st of the month. Wake up, wake up, wake up. It's the 1st of the month and it's time to start dance. So we're gonna see what happens. Again, you guys wanna make sure you stay tuned for the next few videos because at the end of the month we will be doing how much we spent on gas in snow white. Let's get this money. Which one? McAllister's 2.6 miles for 6.75. Let's do it. See? All right. I'll be right back sir. 2,000 years later. Sir, what's the name of your pickup? Charalina. Charalina. I owe you two remains. I'm a jank, I'm a jank. I have a door dance with Charalina. Yes, yes. I thought I was, I didn't know what was going on. I was just pulling the thing. Here you go. Thank you, you have a very good.  We gotta go to one point four miles for 4.75. Dang, cold. Yes, sir. I have a door dash for Charles K. Charles K here. Hold on a second. All right, thank you. You too. You work here? Yeah. Oh, I have a door dash for Charles. Okay. Thank you. All right, I appreciate you. You have a good one. No problem. You stay one. Me too, me too. This for you? Yes. Get them new countertops in, baby. Uno. Give me the ball right here. Go a lot. Now they won't throw. Oh, I almost fell. Yeah, I saw that. Ha ha. Oh, y'all didn't see it. It's been covered up. Let's go. Oh, baby.  That journey. That's the one thing about being by the mall and some people order stuff to come to the mall. You have to find it. But in this particular situation, they didn't put the, put what store it was. So I had to call them. Hopefully find this too. I'm gonna turn the back on because I want them to copy right here. Excuse me. Mariahs. Yes. How are you doing? Good, how are you? I'm doing great. I got a plane. Okay, we'll enjoy you, have a good one. We have miles for 475. I think the bed's a little lower. What we taking it? It's been going very slow. So we're gonna take what we can get, baby. Hello. Have a door that you can pick up for Nina? Nope. For Nina?  Okay, get in here. Okay. And this one says, Hand it to me, but I'm not sure. Here you go. Thank you! Give me a hand you this. you welcome you have a good one here you know what time it is we got to call the support we had an order at Panera bread that wasn't even in their system so I don't know what happened I don't know it's like the order came in for us it was an add-on on top of the rare Robin's order and then we went into the city don't have it we tried to go back we dropped one order off come back and they still don't have it so I guess there is no such thing as his order and now we have to still support so we don't lose you know our completion rate or we're pretty sure it don't go down so we'll see how long we are on hold for Lisa a Lisa a door that hello I'm finding yourself so it is 5 36 p.m. I just want to let you guys know today has been Apple but I want to say this usually Wednesdays aren't the greatest for some our reason is usually bad on Wednesdays not only that we did start at 12 p.m. we started like 12 20 and 12 30 years so we're only at about $40 which is not good at all we're gonna see if we can get to 150 on top of that I'm editing the next video right here is everything a bit crazy so you gotta do what you gotta do so you can do what you want to do later I hope you guys join the video if you want to score message matters of carbon if you are supposed to give me a thumbs up let's get back to it let's see what happens this usually I don't know for some reason this piece of hood usually not the greatest so yeah or not but they come up here for you guys yet or this is Victor S they have a long you guys have a long back it or no okay this is leave on leave on step okay okay thank you this is another house we did a house review on a while ago like a long long long time ago don't get me doggy that's a husky yeah mixed with a shepherd it's nice I'm sorry with the it's nice yeah gorgeous all righty thank you you have a good one 475 for 2.4 miles for McDonald's let's do it this big clothes that ain't gonna happen buddy the diner is closed for McDonald's and walking and so we're definitely about to cancel this one I'm sure you can so very simple it's question mark right there bam unassigned this order continued stores closed wham what just that's simple whams they got one noodles in company 575 for two miles oh let's do it oh let's do it pretty oh you're doing don't get me doggy this one say and it's a customer hello you have a good one got us one Chick-fil-a 3.8 miles 725 stay alive we need that baby so we had to order the place is actually at six flags now guess what look right there it said leave in my door what door you want to leave it on the ride so I'm about to call them and see what happened let's see I'm leaving you guys on here so you can see what he said I think it was a guy named Logan his name was though I think it was a guy named Logan at this door right here but I don't know hey how you doing Logan this is Jerome with door dash yeah come back right towards the blue tan building here you'll see me oh okay okay okay I see you all right yeah you guys have what happened back with another 4.2 miles for $8 we're about to get busy it was supposed to be $8 it was 1225 we need that we need all that we need every nickel quarter penny die dollar we need it let's do it McDonald's pointing out my 575 let's make it happen door dash number 337 337 excuse me it's saying that this is the right one we have the wrong McDonald's one second yeah 83 yeah 337 yeah I don't know what just happened this just popped up so it's what I do with that too but even talk to me so I have a door dash for Matt T I was told to leave it here to front desk thank you very much here you go you have a good one it got up these orders from out back state hopefully we got that good tip we need it we try to get that one if the take it too long about the going is joint they ain't come to talk to look about talk to them I have two door dash orders one for Jamie in and Daniel yeah this is the first one for Jamie and then you said Daniel yes ma'am Daniel's ready yet but I can bring that out what it is okay just be a couple more minutes okay thank you yes ma'am this win is critical here you go thanks you're welcome you have a good one here you go enjoy you chillers order I don't advise anyone do this but nine dollars for nine miles the only reason why we're doing it because we kind of we're trying to relocate into that area anyway so we're going to take this order and see what happens yes here you go okay thank you all right thank you have a good night get our goals they go I kind of when I stay these girls I kind of be stretching I know I be stretching especially for being a Wednesday and Wednesday uses our slower day we really only that's for about five hours of 45 minutes and 44 which I feel terrible about quite honest with you guys but in life you're not always going to reach your goals you're probably going to not reach your goals more than you reach your goals but it's all up to you to get up and try again that's all what everybody matters no matter if you reach today tomorrow next day get knocked down you just got to go back in so tomorrow we'll be back in again so you guys want to make sure you stay tuned and if you want to start make sure you subscribe right next door start you want to make sure you give me a thumbs up for this terrible day we had but guess what tomorrow is gonna be better it gets greater later I see you guys on the next one with DDK you know on my way


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Good day, fellow investors. As you know, I'm digging deep into Brazil because there are some opportunities opening and I'm digging deep into the Brazilian utilities sector this week. And one of those stocks that I want to discuss today, share with you my findings, is Electrobras, also to show you how I work. So this is the table that I'm looking at for the utilities. I'm going through each one of those every day to see which is the best risk reward investment opportunities and what are the earnings yields. The company I want to discuss today is Electrobras. It has 41% of Brazil's installed electric produce production capacity, so it's a must-watch company when investigating the sector. 48 gigawatts in capacity on what 160-170 gigawatts for the whole country. The key factors to watch for the company are the high debt levels, the company's and the country's debt rating, the company's owned by the government, privatization issues, which the company wants to sell and we'll discuss what's going on, the profitability is an issue because it wasn't profitable, divestitures and investments that the company is doing, risk reward investment analysis and the value of the assets, which is not what you might see on the book value. Let's go on the privatization. During the beginning of 2018 the company was likely to be privatized and that's why the stock price was also higher because the government was and the government was expecting about 3.6 billion in revenue for its share. To deal included 40-year renewed concessions, a golden government share, a max 10% vote in power for private shareholders and privatization through issues on new shares and secondary government placement. However, as you can see with the stock price, things haven't gone as planned, the political environment there isn't that stable and everything changes very quickly. The minister that worked on the deal changed in May, I think, the elections are in October, there have been delays, the congress will not be able to vote for the privatization bill. So the last blow came in June when the labor court suspended the privatization process requesting on study on how the privatization will impact the workers. So delays, delays, delays, this means that the privatization will not happen during 2019 as it was planned. However, let's look at those who run for office, those who are leading now, Silva and Bolsonaro, they are all for privatization. So this might happen if you have a longer term perspective 2-3 years on the company, which might lead to a good return, so that's the potential reward. But we'll also look at the business. The management's focus has been to lower its debt to EBITDA levels and that is going better, it was 6, now it's 3.7 and also the net debt has been lowered. The gross debt is 44 billion Reals or about 12 billion dollars and what are they planning is to do a lot of divestitures to lower that profile and improve efficiencies. So they are selling some companies, their shares in those companies plan to share, sell much more of that, about 70 special entities, 2.5 billion Reals in 2018, savings from tax optimizations, also 2.1 billion so the sales are expected to bring 5 billion over the next few years and the company will probably be slimmer and hopefully leaner if they can manage to deliver that. So they will have a lower number of companies to think about, hopefully mostly profitable and they want to make a nice company out of this and also prepare it for privatization. The issue with the company was always profitability. The company hasn't been profitable since 2012 when the government lowered electricity prices. This is a government company, the government regulated business so everything depends on political issues mostly. The management however expects to save 3 billion Reals from financing 2.5 billion per year from operationally efficiency which should turn these negative numbers into profits of about 3-4 billion Reals per year, also from operational efficiency the savings 3 billion per year. Adjusting for non-recurring items that will hopefully go away when the company stabilizes, we could see profitability improve, EBITDA improve and even a dividend in the future. The net margins are currently tied and any kind of improvement might significantly affect the bottom line. On 40 billion in revenue I expect 4 billion of net profit when things stabilize, let's say to be conservative 3 billion per year that would be profits of 2 Reals per share and perhaps a dividend. So the earnings per share 2 Reals divided by 4 which is my easy to calculate currency rate is 50 cents per share, 50 cents at the return earnings yield of 20% which we can find in Brazil now which leads to a price of 2.5 dollars. Net income might be higher from time to time but on 40 billion in revenue healthy net margin is I think 4 billion. Always think about the currency which is an interesting development but you never know where could that go so there are positive and negative risks but if 1 dollar goes down to 3 Reals we might see this company have profits of 1 dollar per share valuation of 10 we get to 10 dollar a 10 dollar stock so that's the upside. Just for the value you see price to book value is very low but then look at where the assets are. Do you know where nowhere is where electrobrasses assets are? A lot of them in the middle of it so these transmission lines those are very nice very expensive to build think that the government owns it so not every decision is made profitability from an economic standpoint but from a political standpoint developing standpoint so much of these assets are not really worth what they are on the books long term it costs a lot to service and keep operating such a long 71,000 kilometer transmission lines. Stable let's say comparable to other companies that I have analyzed we are at a 20 required yield 0.5 dollars EPS 2.5 would be my price with the risk reward that I would look and probably invest in electrobrass we are at 3.5 for now so a lot more downside there but with the turmoil with the elections coming in October we might even see that and then when and if things stabilize after the elections the stock might really spike to 6, 7 where it was just a few months ago in light of privatization maybe in 2020 so there is risk the risk volatility if you can handle it if you can stomach it the upside is also very very nice especially if the management delivers so that's also something to keep an eye on thank you for watching looking forward to your comments check my services in the link below and I'll see you in the next video