Okay, the recording has started, so we're going to go forward with our lecture. I'm just going to go ahead and share the PDF that we were looking at. All right, so we just spoke about Abraham's blessings that in Christ we receive what God has promised Abraham. There have been times when I've heard people, you know, they say, how can you say that, you know, Abraham's blessings are on you, and that we have Abraham's blessings, and I, you know, actually it's pretty simple, because Paul states it right here in Galatians 3-29, he says, if you are Christ, then you are Abraham's seed, that means he's saying you are the seed that's being referenced here in Galatians 3-16, and then you inherit the promise, your heirs according to the promise, or it means you just inherited the promise. So it's the promise is yours. So Galatians 3-29, you know, very explicitly tells us that the blessings of the blessings God spoke to Abraham are available to us as well. So let's go forward, and what else do we see that's available to us in Christ, and we have seen this before, but I just bring our attention to it, is that there is grace, enabling grace that is in Christ, Jesus in Christ. So Paul is telling Timothy, you therefore, my son, be strong in the grace that is in Christ Jesus. So he's telling Timothy to be strong in the grace that is in Christ. That means, you know, strengthen yourself in the grace that's available to you in Jesus Christ. That means it's the grace of God on us that strengthens us, empowers us, enables us. So the grace of God does a lot of things, God's favor, God's grace on our lives. It gives us what we do not deserve, and the grace of God also empowers us or enables us to be strong, so we can be strong by the grace that is in Jesus Christ. So how do we tap into that?  You say, God, I pray He'll give me grace. I pray that the grace that's in Jesus, empower me for this situation. God, I thank you for grace on my life as I do this assignment, as I do this work, as I carry out this task. Lord, I thank you for grace that enables me, right? Because that grace is in Christ Jesus already there for you and me, and we can be strengthened by that grace, and we can be empowered by that grace. So we need to tap into it. So we just say, God, I thank you that your grace enables me, that your grace empowers me in this assignment, in this task, and whatever I have to do. We tap in to the grace that is ours. A few more things here. Is that in Christ we have the promise of resurrection, right? First Corinthians 15, 22, as in Adam all die, even so in Christ. So he's talking about what is available to us in Christ. In Christ all will be made alive. So obviously he's talking about physical resurrection. First Corinthians 15, that whole chapter, or the latter part of that chapter, is all about physical resurrection from the dead. So he's saying, in Christ all will be made alive. And we see this in another place also in 1 Thessalonians 416. Paul writes, he says, the Lord himself will descend from heaven with a shout, with the voice of an archangel, with the trumpet of God, and the dead in Christ will rise first. The dead in Christ will rise first. So we have the promise of resurrection, that we will be raised physically, because we are in Christ. And the last two things that we want to talk about is, we will reign with him. That means this is a promise we have. In Jesus returns, and he establishes his kingdom on the earth. We refer to it as the Millennial Kingdom. We read about it in Revelation 24, and we also see Daniel chapter 7. In the Millennial Kingdom, we who are in Christ, all the saints, all the saints, the Old Testament saints, and us, we will reign with Jesus here on earth. So this is a promise that we have, that in that kingdom for a thousand years, we will reign with Jesus here on earth. And we will help administer his kingdom here on earth, his literal kingdom. So we read about that in Revelation 20. We'll study more about that at the end times and so on in a separate course in the second year when we talk about the end times. We will get into that. So conclusion. We have seen all these things that are, that we have in Christ. What must we do? Paul writes in Philemon 1.6, he says that the sharing of your faith may become effective by the acknowledgement of every good thing which is in you, in Christ Jesus. So I just want to emphasize this part, the acknowledgement of every good thing which is in you. You know what must we do? We must acknowledge every good thing which is in us. Acknowledge it. Acknowledgements to recognize as a fact, to affirm as truth. See your knowledge. The good things that are in you because you are in Christ Jesus. Your acknowledgement. You say, God, I thank you. Christ is made unto me wisdom. I thank you. I am in Christ in whom are hidden all the treasures of wisdom and knowledge. I thank you. Then I can, I'm strong in the grace that is in Christ Jesus. I thank you that I've received your abundant grace and your gift of righteousness and I reign in life through Christ. So you acknowledge every good thing which is in you, in Christ Jesus. Acknowledge the good things. Now that's what we do when we come to the sharing of our faith. So we do this for each other also. So that the fellowship of our faith, so when we fellowship with other people and we share our faith with other people, how can our fellowship become effective? How can it become effective? We must acknowledge every good thing which is in us in Christ. So you know, if you are just talking to another believer and maybe they're going through a difficult time or some struggles, whatever, then what must we do? We must acknowledge the good things that are in them in Christ Jesus. So we say, look, I know there's grace available for you and you can be strengthened by grace. I know that you are complete in Christ and the fullness of God's available for you.  What are we doing? We are acknowledging the good things that are in them in Christ and so the sharing of our faith will become really effective. That's when it's going to be true effective fellowship and we acknowledge the good things that are in us, in each other, in Christ Jesus.  They will really feel that fellowship in the faith was very productive, was very effective. Why? Because you chose to acknowledge the good things that are in them because they are in Christ. Rather than calling out their weaknesses and failures, call out what God can do in them and through them because they are in Christ. The same thing, you do that for yourself. You do that when you share faith with other believers. So that brings us to the end of this particular chapter and we're going to get into the next one which is that we are one body in Christ. Let me pause here before we start this section and to see if there are any thoughts or any questions from anybody. Any questions? Everything's fine? Okay, there we go ahead. Pastor, thank you. In the last verse that we went through, is it only in the context of sharing faith with other believers or is it also in the context of unbelievers? Yeah, the context there is other believers because really if you look at the background of the letter, Paul is writing this letter to Philemon. I mean, if you just quickly understand the story, what happened was Paul was in Rome and he was in under house arrest in Rome and I hear a friend called Philemon who was actually in I think in Colosse, the place called Colosse, I think if I'm not mistaken. So now Philemon had a servant, a young man who was serving in his house. His name was Onesimus and Onesimus perhaps did something wrong and maybe he stole some money or whatever and he ran away and he escaped from Philemon's house and he escapes all the way to Rome and you know it's just amazing how God works. I mean he ends up in Rome and he gets in touch with the Apostle Paul and when Paul meets him, Paul ministers to him, leads him to the Lord and you know like just spiritually restores him and then he sends Onesimus back to Philemon along with this letter which is the short epistle of Philemon which we just read. Now basically in that epistle he's telling Philemon, Philemon I want you to receive Onesimus back but as a brother and acknowledge the good things that are in him. Now the sharing of your faith may become effective but the acknowledging of every good thing which is in you, in Christ Jesus, that's the context. He's saying you know look at Onesimus now as a brother because now he's in Christ and call out the good things that are in him so really the context is you know two people sharing their faith together in Christ. Yeah Thank you. Thank you. All right so that brought us to the end of chapter 10 which was about you know the blessings the all the things that are available to us in Christ. So now we're going to shift to another section. An intersection what we want to emphasize is that because we are all in Christ we're all in Christ. We are part of one body Christ as one body and we are all part of that one body in Christ and so you know we just want to touch upon some aspects of being one body in Christ and you know living out of that understanding that we are all one body in Christ so that's what we will do in this section. Let me go ahead share the PDF all right so we are one body in Christ so let's could somebody read these two verses for us Galatians 328 and Colossians 311 please. Galatians chapter 3 27 to 28 for as many of you as a baptized into Christ have put on Christ there is neither Jew nor Greek there is neither slave nor free there is neither male nor female for you are all one in Christ Jesus. Colossians chapter 3 verse 11 there is neither Greek nor Jew circumcised nor uncircumcised nor variant sapient slave nor free but Christ is all and in all. Amen thank you so the apostle Paul is bringing our attention to something he says look we're all baptized into Christ that means we're all immersed into Jesus and we have put on Christ so that means you know we all you know if you know I just imagine if all of us had to wear you know the same kind of clothing he said okay then outwardly you know we'll all look the same we all all of us wore you know blue shirts or something yeah all these people they all look the same they're all wearing blue you know but here he's saying look we're all baptized into Christ and we're all wearing the same thing we're all we have all put on Christ so all of us look like that and then he says there is neither Jew nor Greek this has to do with our race you know no Jew nor Greek neither slave nor free this this has to do with our social position or status there's neither male nor female that has to do with our gender says you're all one in Christ Jesus all one in Christ so he says in Christ we are all one all one in the sense we're all equal we are all the same we're all baptized into Christ right so spiritually regardless of our physical social you know those those natural identities that we have regardless all that is left it's kept aside and in Christ we are all one we are co-equal we are equally loved by God we're equally blessed by God we are all one in Christ and you know he depicts that there in collosions 311 we say it's the same thing and there's no Jew or Greek or we're all it's it's all about Christ they're all about Christ so our being in Christ it's made us one with their own also is in Christ and that this is so beautiful because you know when we meet people who believers who come from different backgrounds whether you know whether it's racial whether it's social whatever they're different backgrounds we can still you know we can see each other as one you know and we can relate to each other of course we all are different in the natural naturally we have our differences but in Christ we are together we are one and therefore we can you know respect each other we can treat each other with honor we can treat each other equally and we can you know walk together we can float together because we're all one in Christ and there's an interesting thing here in second Corinthians 5 16 Paul says therefore from now on we regard no one according to the flash interesting statement he makes he says you know from now on we are not looking at the outward outward outward or external factors you know when we are relating to each other he says we regard no one according to the flesh according to the natural you know why because when we are in Christ we're all new creation we're all new creation and we are one in Christ our focus is on Christ and who we are in Christ and this is what God's plan is also you know what God planned Ephesians 1 verse 10 God planned that he will gather together in one all things so everyone in Christ you know he wanted us wanted to gather all of us those of us who are in heaven those of us who are on earth his plan is look I'm going to gather everybody together in Christ whether you're Gentiles we all partake of his promise in Christ right so we all share in the same promise that's available to us in Christ so that's something to keep in mind and something for us to practice that when we meet just anybody who is in Christ you know we are equal treat each other equal love them respect them honor them bless them because we're all one in Christ in him and that's the way God sees us and that's the way we must look at each other in Christ now being part of God's body means that we're also God's dwelling place it's a place where God dwells right could somebody read this for us Colossians 1 Colossians 2 21 22 I know it splits over two pages but if he is sorry Ephesians 2 21 22 please Ephesians chapter 2 verses 21 in whom the whole building being fitted together grows into a holy temple in the Lord verses 22 in whom you also are being built together for a dwelling place of God in spirit thank you notice in both both these verses you have in whom in whom so he's talking about something that has to do with being in Christ he also mentions in the Lord once again in the Lord in the spirit so it all has to do with us being in Christ he says in Christ the whole building so he's in his mind he's having this picture for building and he's saying he's saying in Christ it's like God is raising up this building and he's putting us all together and this building really is a holy temple a holy temple so in Christ we're all part of one body and we're all being assembled built into a building which is really a holy temple in the Lord and and this holy temple God is building together to dwell for a dwelling place of God this is for a dwelling place of God in the spirit or by the spirit so what's Paul telling us he's saying you know all of us were in Christ God has put us all together and we are being built up into a holy temple where God himself is going to dwell by his spirit obviously this is a spiritual thing it's not like a physical temple that God is building but it's a spiritual temple that God is building and God himself is going to dwell in that so here's the second thing we must understand we are in Christ that means we are all together our dwelling place of God now you can think about this locally you can think about this globally locally means in your in your city or town or wherever you dwell you are you are part of the body of Christ who right there along with other believers who are living in that area and spiritually all of us believers in that particular area we make up the dwelling place of God over there so like that you know all of us are in different places in the world and we are part of the body of believers in our respective towns or cities and they are collectively in the spirit we are the dwelling place of God and of course this is true even globally that we are all together like living stones you know we are built into a spiritual house or the same picture of a house or a building and and we offer up spiritual sacrifices to God so keep that in mind that because you are in Christ you are part of you are part of this holy temple you are part of this holy temple if you want to you can envision that as you are one of those bricks in that building we are all those you know individual bricks in that building and that's being built into this spiritual house or this dwelling place of God this holy temple now what are the implications of that first of all each one of us must do our part to keep the temple holy so God dwells in his temple and his temple is holy it's got to be kept clean it's got to be kept consecrated separate from sin separate from evil and wickedness so uh you know Paul writes he says do you not know that you are the temple of God and the spirit of God dwells in you if anyone defiles the temple of God God will destroy him for the temple of God is holy which temple you are so it's like you are the temple of God and God's dwelling in you so he's writing to the believers at Corinth and he's telling them you are the temple of God and God is dwelling in you and the temple of God is holy and you are that temple so we should be careful that none of us defile the temple right say okay now I'm gonna personally I'm going to walk holy because I want to keep the temple of God holy and I'm part of that temple I'm one of those bricks and if I defile myself it's the whole temple that's going to be defiled because one of the bricks in the temple is defiled right so what I'm going to do I'm going to keep myself holy so that the temple of God can be kept holy so each one of us do our part to keep the temple holy secondly we understand that you know we are God's dwelling place we have a God dwells and we establish God's presence in our community can somebody read Psalm 130 to 13 to 18 it's it's a beautiful passage you can somebody read that for us please but the Lord has told him Zion he has desired it for his dwelling place this is my resting place forever here I will dwell for I have desired it I will abundantly bless her provision I will satisfy her poo her with bread I will also clothe her priests with salvation and her saints shall shout aloud for joy there I will make the horn of David grow I will prepare a lamp for my anointed his enemies I will clothe with shame but upon himself his crown shall flourish amen thank you so the Lord has chosen Zion now Zion is a very interesting term in the old testament it actually you know Zion was actually is actually a mount or a mount not a mountain but a small hill so a mount called Mount Zion just outside Jerusalem Mount Zion so David when he king David when during his time he kind of included Mount Zion as part of his capital and so you know eventually it became part of Jerusalem and eventually Zion was a name that was more associated in scripture as you progress in scripture the word Zion then becomes associated associated with the people of God so when it refers to Zion which was actually the name of a mount as you progress past you know kings and so on and chronicles and you come into the prophets Zion that is used to refer to the people of God and then when you come into the New Testament when you go into Hebrews chapter 12 and I think it's like around verse 26 28 on that the word Zion is referred to the people of God in the New Testament so the word Zion is important so the Old Testament Zion refers is is a parallel to the New Testament church right you see that in Hebrews 12 anyway so what I want to point out is so God says the Lord has chosen Zion so God is like choosing here I want I want to live there he has decided for his dwelling place his dwelling place so God is saying I want to dwell there so really he says I want to dwell among my people because remember Zion refers to the people of God God does I want to dwell among there among my people he says this is my resting place and I want to come and I want to settle down here my resting place here I will dwell because I have decided so God desires to dwell among his people and sure enough when you come into the New Testament as we've read the scriptures and the New Testament believers are being built up into God's dwelling place by his spirit so God dwells and God wants to dwell among his people he says here I will dwell I have decided and what does he do when God dwells among his people what does he do this is what he does I will he says I will abundantly bless her provision I will satisfy her poor with bread so God saying look I'm gonna I'm gonna take care of all their needs I'm gonna live with them and I will take care of all their needs then he says I will clothe her priests with salvation so I'll give them salvation that word salvation simply means you know everything healing deliverance victory safety protection so that's all included in that word salvation and the clothe her priests with salvation that is I will bless all the people there with salvation her saints will shout a lot for joy why because they're all going to experience salvation they're gonna just be full of joy this is there I will make the horn of David grow the horn of David the horn simply represents strength it represents dominion or leadership so I will cause the horn of David I will cause his influence his strength his dominion to increase to grow he says I will prepare a lamp for my anointed that means I'll give them a light lamp is symbolic of light guidance understanding revelation everything a light does I'll give a lamp for my anointed his enemies I will clothe with shame that means I'll give him victory over his enemies but upon himself his crown will flourish when he's going to extend his rule dominion what I want you to notice is when God says I will dwell here then where he dwells he does all these things he says I will I will I will I will I will I will I will that means I will do these things for the people among whom I dwell it's like we're not trying to convince God he says hey I've come to dwell with you and I'll take care of all these things just leave it to me you know so it's an amazing thing that in the New Testament we are God's dwelling place we are established his presence and among whom he dwells he does all these things he takes care of all our needs he covers us with salvation gives us joy he increases our strength our influence our dominion he gives us light revelation guidance and he gives us victory we're enemies and he causes us to flourish God does this so think about it as one body in Christ as God's people and in in your local church community so you can apply this to your local church in your local church community you are God's dwelling place there and you can expect God to do these things God you are dwelling in our midst you're dwelling amongst us by your spirit and we want you to do these things God you said you will do these and we invite you to do these things and God himself offered to do it in I will he said so we just invite him to do these things and one more implication of us being the dwelling place of God I think a great example is to is symbolized here in for Samuel five one to four could somebody read for Samuel five one to four for us please when the then the Philistines took the Ark of God and brought it from Ebenezer to Ashton when the Philistines took the Ark of God they brought it into the house of Dagon and set it by Dagon and when the people of Ashton arose early in the morning there was Dagon fallen on its face to the earth before the Ark of the Lord so they took Dagon and set it in its place again and when they arose early the next morning there was Dagon falling on its bones to the ground before the Ark of the Lord the head of Dagon and both the palms of its hands were broken off on the threshold only Dagon's torso was left just think about that so the Ark of God the Ark of God in the Old Testament was a physical box it was a wooden box it was covered with gold and inside the Ark were the tablets of stone the Ten Commandments and Averns roared and so it was kept inside and the Ark this box on top of it was the mercy seat this was a symbol of God's presence for the people right and here the enemies the Philistines they took the Ark they captured it and of course they recognized that this was a piece of furniture that was religious or you know a spiritual in nature and so they took the Ark of God and they brought it to the temple of Dagon the God they worshipped so they took this Ark of God put it in the house of Dagon and when they came the next morning Dagon was fallen on its face they picked up the statue of Dagon put it back came back the next day the statue was fallen and this time it was broken head and the palms of Dagon was broken so it's very interesting right you've got a symbol of God's presence and that the presence of God is the powers of darkness fall it's just a very symbolic message but a very powerful message now here in the New Testament we don't have physical objects like the Ark of God but the church the body we are the dwelling place of God and that's what we're talking about and when we establish God's presence when we are hosting God's presence and we become the temple where God is dwelling what can we expect we can expect demonic strongholds in our city to be destabilized to be shaken to fall because we are the dwelling place of God by his spirit and so this is a powerful symbolic image of what happens when the presence of God is hosted somewhere by his people okay another important part of us being one body in Christ is that we as believers when we come together to partake of the communion the Lord's table we are actually proclaiming something very powerful right so let's read these three verses could somebody do that please first Corinthians 10 16 and 17 and 21 could somebody read that for us first Corinthians 10 16 to 17 and verse 21 the cup of blessing which we bless is it not the communion of the the bread which we break is it not the communion of the body of Christ for we though many are one bread and one body for we all partake of that one bread you cannot drink the cup of the Lord and the cup of demons you cannot partake of the Lord's table and of the temple of demons so Paul is teaching the believers giving them understanding about and the Lord's table right the communion of the Lord's table so he says you know when we drink the cup it's actually communion in the blood of Christ that means we are fellow shipping we are heart-taking or we are receiving the blessing of the blood of Christ that's what he calls it the cup of blessing so when you drink that cup and the grape juice that represents the blood when you drink the cup you are drinking blessing it's called the cup of blessing and what blessing are you drinking it's the blessing that comes through the blood of Christ because that cup says you are communion you're having fellowship you are partaking of the blessing of the blood of Christ similarly the bread is communion fellowship or partnership or partaking in the body of Christ that means you know whatever Jesus made available through his sacrifice of his body we are receiving as we eat the bread you're saying I'm receiving it I'm partaking I'm I'm fellow shipping I'm receiving of what Christ made available to me through the sufferings he endured in his body but not only that so you know every individual believer eats the bread and drinks the cup and they're saying I'm receiving the blessing that comes to the blood of Christ and to the body of Christ individually receiving it personally receiving it which is wonderful but there is more he says we though many are one bread and one body who we all partake of that one bread so he says now not only is it each individual believer having communion the blood and the body of Christ but it's also all of us becoming one bread and one body that means we are all all in fellowship with each other we are blessing each other we become one bread one body because we're all eating of that same but we're all receiving from that and so therefore it's also showing that we are in fellowship or we are in relationship with one another we are like one bread we are like one body right so the Lord stable the communion is a powerful expression of us being one body in Christ we are like one loaf of bread you know we we're all part of that it's an expression of our fellowship with one another and therefore in the light of all that in I've skipped a few verses and what should we want he says you know you can't you know you can't fellowship with God and demons basically you can't you know have one feet with God and one one foot there with the devil you can't do that right we have to be a hundred percent committed in one place which is we're committed to the Lord's table that means we're committed to receiving from the body and the blood of Christ and we recognize that we are one bread and one body with each other okay so the next time you and I partake of the communion keep this in mind I am receiving the blessing that comes through the blood and through the body of Christ but at the same time I'm declaring that I'm one with everybody else who's eating this bread and drinking this cup I'm saying I'm one with them we are together we are part of the same body and we all are eating of the same table the Lord's tables and their spiritual unity that we share okay so this is part of being in Christ in Christ means we are in the body of Christ and as part of his body we said we are we belong to the one body we are God's dwelling place and we are one bread one cup we are together in Christ okay and yeah I was thinking you know should be okay let's let me show any questions all right yeah let's take some questions I'm looking at Robert's question I was wondering where the Ark of the Covenant got lost there's a record about a New Testament and so I used to touch those letters and then what happened Palestinians okay so to answer the questions you know we don't know what happened to the Ark of the Covenant so and so right there in 1 Samuel chapter five six and seven when you read those chapters at that time at that time what happened to the Philistines Philistines was you know they they eventually had a lot of trouble having the Ark of the Covenant there and so they just tried to they tried they eventually tried to send it back to Israel the people the Jewish people and they received it back that's you read about that in 1 Samuel 5 6 7 but we don't know what happened the Ark of the Covenant because what happened later on is after King Solomon King Solomon built this beautiful temple in which the Ark of the Covenant was kept then came the Assyrians people of the north of Israel they came and they attacked northern part of Israel and subsequently Nebuchadnezzar was king of Babylon he came from Iraq he attacked Jerusalem and he destroyed the temple he destroyed everything and he took a lot of the utensils things that were part of the temple back with him to Babylon so that was you know the first destruction of so the temple Solomon's temple the temple of Solomon built which took place you know which happened during the reign of King Nebuchadnezzar of Babylon so it's you know it's quite possible things may have been destroyed at that time the temple was completely destroyed and then you know the temple was rebuilt during the time of Ezra the scribe so they after the Babylonian captivity 70 years they came back and they rebuilt the temple and so it's referred to as Solomon's second temple the second temple was rebuilt but that and King Herod that is during Jesus time King Herod renovated the temple and then but that temple was again destroyed in 8070 by the Roman emperor right so and so you know and then thereafter a mosque was built in the place of the temple and that's what we have standing today in Jerusalem on the temple mount you have the al-Aqsa mosque and you have the dome of the rock both which are which belong to Muslims so on that same place where there used to be Solomon's temple and today stands a mosque in a dome so to answer your question we don't know what happened it's probably been destroyed you know possibly during Nebuchadnezzar's invasion okay there your question yeah pastor it's regarding Viskurinthian stand one to four where it talks about the same spiritual food and same spiritual drink that yeah the Israelites part of it so I just wanted to know what is the spiritual food and drink mentioned there and is it related to the one bread and the one cup mentioned in these verses that we were discussing okay okay yeah so in Viskurinthians 10 Paul brings the attention of the people to what happened to Israel as they came out of the promised land right and so basically this some summation or the summary of those verses says hey we can learn from their example and we shouldn't make the same mistakes that they made which kept them out of the promised land that's the early part of Viskurinthians 10 and while he mentions that then he talks about the fact that they had spiritual food and they had spiritual drink the spiritual food of course refers to the manna which God sent them the reason he calls it spiritual food is because it came from God right it wasn't something they made but God gave them spiritual food and they drank the spiritual drink but what Paul brings out is that Christ was with them because he says that rock was Christ they all ate the same spiritual food and they all drank the same spiritual drink out of that that rock and that spiritual rock and that rock was Christ so he's saying Jesus was with them and that rock was a type of Christ and now is it the same thing as the the body in the blood of Christ or let's put it like this what is the similarity so it is not the same thing in the sense that was manna and that was water and here we are talking about bread and juice which represent Jesus there it was manna and water which quenched their physical needs right so now what is this so it is so in that sense it is different but in what are the similarities the similarities are just as they were all made one through that whole experience like he says they were all baptized in the cloud in moses so it made them one as as one people of God and they ate and they drank the spiritual meal provision that God gave so also here we all made one in Christ we eat the same bread and we drink the same cup and we are made one in Christ so that would be the similarity right that through this whole experience they were baptized in the cloud they ate and drank together and they were all baptized into moses meaning they they were identified in their leader it was moses here we're all made one and we identified in christ but the the elements are different you know one was manna and water here it is bread and juice which are symbolic of the sacrificial death of Christ himself right so in that sense they are different okay okay thank you thank you for sure yeah so um so uh next year next next semester we'll talk about in our course on hermeneutics which is interpreting scripture we'll talk about types and shadows so here's one example of a type uh meaning there is something in the Old Testament which the New Testament points back to and says that has spiritual meaning for us but the danger with the type is you only have to stay with what the New Testament is telling about the Old Testament and we shouldn't add to meaning to it so in this passage the type that's being pointed to is the rock that rock was Christ right so what is the type that's being pointed to that rock another type that's being pointed to is they were all baptized in the cloud into moses so baptism okay that's another type right uh but uh beyond this we shouldn't read meaning into that passage okay i i just realized time is up and before you could answer the question okay uh yeah we will continue we will discuss this uh next semester okay let's close in prayer please somebody could just pray and uh we will dismiss i'm sorry i've already gone over time can somebody quickly pray and dismiss us please please go ahead uh call ins father in heaven we thank you for today and we thank you for this wonderful space we are in lord it's different times in wherever we are early here in randa it is still it's almost seven thirty and i think that side is almost eleven something so lord we do pray we thank you for everything for the lecture for the pastor and for my colleagues who are online father father we do know that this is for the good and for the better and for the best of our own souls as we are trying to experience our standing in christ so lord please bless everybody bless the past bless the pastor's family our families all of us as we we we wait to see him send us the assets and other things praying the name of the father of the first body says thank you call us thank you everybody uh sorry it took your time um have a quick break and join our class thank you god bless and see you again thank you


Aloha everyone, and thank you for joining us for another weekly condo insider. Today I have with me the wonderful nylon with. She's an attorney and she specialized which part of her role is handling some condo foreclosures. So welcome, and give us a little one minute update on on what you do and the attorney from that you're with. Damon cup Chuck and something. Thank you really. Hello, everybody. My name is my line. I'm a director with a law firm demon key Leon cup chapter I practice condominium community association law. So as really just mentioned a part of our practice is assisting associations to foreclose on their statutory lean for amped assessments. So let's start off like, because this has always been a conversation that some people are, you know, list of questions that people have asked is when a unit owner becomes delinquent. Typically typically the association should have already in place a collection process. So, like, do they wait 60 days, 90 days or 120 days before they send it to legal, but they should have an established policy and procedure for sending it for collections, right. What so the big part is once it goes to collection. The attorneys have their. They follow the debt collection procedures act. And so they go through their steps for collection. Can you give it just a brief little snippet of what that collection process would entail. And so for starter of course, usually the association would the attorney would first to review the file to see you know the power courtesy reminder. And maybe the first three letters sent from the association's managing agent to the owners where if I you know if the person identified is the owner of record and do some due diligence on the owner to see if there's any, let's see bankruptcy filing that would be subject to automatic delay, or if the owner is on active active military status that was special rights would apply to so those that are, you know, and then, you know, if there's any bounce back from the dress the association previously tried to communicate with the owner. Of course, if the dress is wrong that attorneys usually will do skip trace or just using some other avenues to try to locate where the owners are the first step usually start with a fair debt notice letter, which is subject to the requirements on the federal law as a debt collector what the initial notice is what information need to be provided in that initial notice that usually gives a period of time for debtors to dispute the debt. If not, sometimes you know owners been good if this went to legal they would pay off sometimes they will reach out to try to work out payment plans. Sometimes there are owners who are really facing financial difficulty they cannot pay off that they are also taking no action, not, you know, contacting back. Usually the next step but attorney was would recommend the association consider placing the link. Although there is a statutory link automatic in place. Actually, attorneys would recommend the board to record a link because in the lean word, as we all know it's first in time first in right. So recording it that would give you an advantage as a priority wise to other credit debtors out there. You know if this is let's see a owner occupant sometimes there's also special avenues the association can try like a rent collection policy or termination of certain common immunity services provided by the association if the association has adopted such policies with majority approval of creditors. If not, then there's usually ways you know they would consider taking to the next step. If somehow you know there's no response from owner there's no payment plan there's nothing that it would consider either filing district court action to get a personal judgment, or they would consider for closing on the link that will lead to our discussion today for closure. I want to also make it clear that with HRS 514 be statute number 41 144 146. There's no way an owner can say well I'm not paying the maintenance because I don't like the way it's being maintained. I mean, that is not an excuse. They signed their when they purchase it they signed an agreement. The house rules in place. So, just because they don't like something is not an excuse, or a reason to not pay, make their maintenance fees correct. That's correct there's a statute of provision that clearly see a unit owner cannot withhold from paying such you know assessment because once you bought into this unit, you as a unit owner obligated to pay for your share of the, you know, common expenses. And then there's, you know, the whole 514 B section 146 dictates on how such amped amounts the solution should automatically get a statutory. Okay, so just to kind of recap so when it goes to the attorney, then they're going to go through their procedures, following the debt collection procedures act. They're going to check to see if they're what the what the liens are on the property because there could be government liens, right. Real property tax and paid amounts. Yes. Right. They need to check what what is attached to the property already. Also identifying who the recorded owners of the property are. Right. And then they would send a letter to all owners of record. At that time, right. And do they notify the current or the existing lean holders of any kind of being taken that usually if you know if you're trying to do let's see rent collection or termination utility or common amenities. There's a requirement you also need to give notice to the first link first mortgage lean holder. Okay, of course, there's judicial foreclosure, which you need to go to court. There's also non judicial foreclosure, you know, which is the power of sale process, both of these processes. You will need to basically serve all parties that has an interest in this property. And I would include mortgage lean holders, you know, if there's, of course, I'm paid real property taxes need the government, the city. And then, you know, if there's other judgment a creditor that has recorded lead that, of course, and then you need owners, that's for sure. So, definitely the notice process will be triggered once you decide to go into that process. Let's talk about the filing of the this pendants. What exactly is that. So for judicial foreclosure at the moment when you file for the complaint, there is, you know, usually it's called also called a notice of pendants of action in Hawaii it's also referred as the legal term is the lease pendants. At the same time, you file that NOPA in court. Once upon filing, you can record that in the bill roll so that gives, you know, third party, the public notices that you know there is this action where the link order is in the process starting to foreclose on the link. So whoever you either they want to buy this property or they want to refund us or do something on this property they're going to get notice of this so they realize you know they need to take care of this before they can get a clean title. Right. And then, I know, there's been a lot of court action regarding the non judicial foreclosures, but what's what's the status now, the legal status now with non judicial foreclosures. For associations, there is new section, you know, part six of the chapter 667 Hawaii revise statue. We're caught, you know, this is the current procedure. The association has been following to conduct non judicial foreclosures. Of course, there were, you know, disputes litigation on the old chapter of the non judicial process. I think that's beyond today's topic. We're just going to be focusing on part six of chapter 667. If the association opts to do non judicial foreclosure then that's the process the procedure steps they need to follow. But of course, you know, the statue also made it clear. If owners delinquency rose from or includes only fines, legal fees and costs, you cannot use non judicial foreclosure to foreclose on that. You can do it by judicial foreclosure, but not for power of sale for culture. Okay, so in the debt collection process. What role does the attorney take in trying to collect the, collect the debt. Do they in, I mean they make every attempt to communicate with the, with the unit owner. Do they try to establish like a payment plan or put them into a payment plan of some sort. For both, you know, the statue gives a basically when you try to start the for culture process you start with a notice of default intent for close. And then the statue impose a 60 day waiting period of time that would give time for debtor to consult with the credit counseling or, you know, budget counseling or some sometimes they would even consult with bankruptcy attorneys, or they give them time to work out a payment plan. You know, with the association. Within this 60 days, you're not supposed to proceed further you're supposed to wait and give that are the opportunity to work things out. And they always have a right to propose a payment plan proposal. Usually a reasonable payment plan, you know, under the statue it will be defined as if they keep paying the current dues, and then they can come up with a plan that would pay off the debt or within a year, 12 months. So then that should be considered a reasonable plan association supposed to work with the owner to accept the payment plan proposal monitor and put a hold on the for culture process. Oh, so say they owe like $5,000 and back maintenance fees. So they would have to pay the current month, plus apply extra money toward their dad. Oh yes. Wow. Okay. So, because I remember wait back when sometimes they would, they would accept like $25 a month, you know, for for only a certain amount of time not forever, but for a certain amount of time. So that's the just the statute of definition, you know, the board always have authority, you know, if they think this owner has been behaving well. The owners there's unique circumstances presenting they want to give the owner some additional time. You know if the board approves, you know, a payment plan that would cure the default within two years that that would also be acceptable usually the attorney is just a messenger there you know they would pass on this proposal for the board to approve review. And that's how it usually works. So what would be your favorite or your your most widely professional tips to condos to the board on setting up their debt collection procedures.  So if it's been a while, it's always a good idea to consult with our console to try to update make sure it's in compliance with the current applicable law. So, you know, right now there's also a mediation process, you know, after you started the foreclosure process if the owner wants to initiate a foreclosure, initiate a mediation process within 30 days of service then, you know, association should also pause the non traditional foreclosure and go into mediation with owners.  So definitely your collection policy need to be updated to keep keep up with the current law. That's important and also you know you want to always there's going to be special situations. You want to give the professional that you retain the legal console. So some discretion in special situations, if this property doesn't have a mortgage on it. Are you supposed to just go ahead do non judicial foreclosure, or maybe in that situation perhaps it will be better to go the judicial route instead of you know you have to deal with something very risky situation where you know the property could be sold at a very low price to a third party. And then later on there's going to be a dispute with the owner. So there are definitely different situations I think a collection usually I mean of course it saves money to just follow a procedure you know just a lot of attorneys would have party goes do a lot of things. But really, there are situations where that approach would be risky you would want the special cases to be given special attention, you know, not taking the cookie cutter approach. So, I know he's speaking to some board board members of different condos over the years, when we've gone into conversations about policies and procedures. What you just explained on the debt collection practice on the procedures. A lot of them don't even have it in writing. They don't even have a policy procedure manual. So, I would think it's highly recommended to make sure it's a written policy and procedure because it has to apply equally to everybody. So it really in boards change from year to year, or they could change from year to year. So really one of the highly recommended is to make sure that you have a written policy and procedure that is followed with every single you're not.  Right. Yeah, that's always a good approach, you're supposed to uniformly apply no selective enforcement. Okay, so let's move on to the actual sale so what happens when it moves to a foreclosure sale. What happens with that I know the DCCA publishes it now because it became too expensive because we only have one newspaper. So it literally became so cost prohibitive just to publish that sale. So I believe the DCCA now is putting it on their website but you kind of got a scroll way down to the bottom to kind of find it. Right. So, in the old days, you know the three consecutive publications has to be done on newspaper which is really costly. But then you know during the reform process the design this state website, people can post notice there. But still, you know the 28 advanced notice on the website that's just one step you still need to do at least one newspaper advertisement. You know for the judicial process, you know a commissioner will be appointed by the court to handle the, you know, the auction, the advertisement, you know if the sale needs to be postponed, the postponement or consolation need to be published as well. But in a non-judicial foreclosure process usually that would be the association's attorney who is the one that's going to be in charge of posting these notices making sure postponement, consolations are also timely, you know, posted to this website and, you know, on the newspaper following the requirements, the procedure requirements. That's usually like, you know, right before the auction when you need to give a public let them know when and where you should go to bid on this property that that's like assuming all the other process we just mentioned about the bid issue or, you know, the payment planning or didn't work. You have fulfilled all the requirements of serving every possible party that all the property has right entitled to notice. Then you went ahead to the auction stage to the sale public notice of public sale. That's what we're talking about all this publication of notices. Okay, so after I know some ails are buying it back subject to the first mortgage. So, so I've seen typically it will go into the managing agents rental pool and then so they'll manage that and get their, their property management portion of that rental value. But is it, is it there's their set standard that once it goes into that rental pool that they market, they rented for market value. Should that be the standard and how long do they keep it into that rental pool I mean, I mean, ails are not really in the business of being rental housing, so to speak, when do they actually try to dispose of that property. So usually when the association forecloses there is a senior mortgage lien on title. So the association when they bid at their own auction they do credit bid, maybe at a $1 because it's subject to the senior mortgage lien you probably get no other invested if there's no equity in the association usually there's no other interested bidders their association usually ended up getting the property subject to the senior mortgage lien. And once you know because you really didn't ever get paid out of this kind of process because there's no sales process here you advanced all these legal fees and cost and you know the the do's are accumulating during this process when you handle this for So after the decision to control of the property, that's the opportunity when you know if you spend a little bit of money, maintain a brand it up to a rentable condition that you start getting rental income out of this unit.  And there's also this unit's a person of association dues, and there may be you know, cleaning fees, whatever you have to keep this condition process and then if there's net, you started to pay these delinquencies old by this unit. So first on the six months superlink like the six months regular comment assessments that so she should have a superlink for that you pay that off and then started with the other categories of balances there's legal fees there's late fees there's also other maintenance fee delinquencies on the unit. If then there's extra section in for the condo statute basically says the decisions not entitled to this access net rental income. It would be a good idea for the association to keep a separate account, not a mingle that portion of the money with your common money common funds account. There should be a separate to keep track of you know the amounts coming in because supposedly this access rental income. When the senior lean holder, they go through the full closure process they got a court judgment basically saying they are the senior lean holder, and they are entitled to claim that access rental income. And if they're paid off they're still surplus, and supposedly it would go through other junior link orders if there's any judgment link order which is, you know, a subordinate to a decisions and then if there's any other. You know, of course the unit owner, if there's no money left they will go there. But usually, it wouldn't be like the situation usually the situation would take a still take a while for the association to bring the book from red back to gray. They have to really ready a long time in order to recoup their loss and make it current, and then for the surplus amount they need to keep a separate account to keep track of that. Just be prepared one day the senior to come back to claim that. So, this is a, I'm sorry, I just want to, and this is for the non judicial closure process, if it's a judicial closure process of course, you know, after the sale finishes the commissioner is going to provide a report to the court. So, you know, how the sales process it needs to be distributed the course is going to give order, then according to the parties that leaves this, you know, and then if there's surplus it will be deposited with a court clerk. You wouldn't have to be worrying about too much about that. And then, yeah, so, and then if the association take title in that kind of situation. Supposedly, you know, maybe you wouldn't turn over the access access amount to to the court. Okay, so, so technically for a while though, the that property, if it's rented out at market value, it would be generating literally in the red for a while until it starts to get back into the black, but that unit, whatever the rental income if it's at market would be, hopefully it would be generating enough income to pay the existing current maintenance fee, right, and then also being applying, applying the monies toward the past delinquencies. Yes, yes. And also, of course, you have to, you know, buy insurance for the unit as well like 804.  Yeah, right. So, so literally they the, the association could not even really turn around and sell that unit because it's still subject to the first. But it's whether they're going to establish clear title in order to really sell it. That's really where it gets complicated right. They cannot basically because you know as we just mentioned a first in time first in right, the mortgage lien is always recorded first. So really under the statute of course the real property tax lien that has the, you know, number one priority. And then the next one is the senior mortgage lien. And then the senior mortgage lien they foreclose if they fulfill all the service requirements and all the notice requirements after the lender forecloses, they're going to wipe out all the junior liens under the law. So, but the association only get a special car about which is the six month super priority lane, which is, you can only collect six month common assessments, regular common assessment from, you know, the new buyer who took over from the foreclosing mortgage, but, you know, when a junior lien holder foreclosed first, usually it's the association you take the, you know, you go ahead foreclosed the senior lien hasn't started there for closure, you only get a property with, with a subject to that senior mortgage lien that their right is intact, you don't take anything to have, you know, deliver a clean title. That's why you're just holding this property actually in label in a temporary period of time before the senior lien holder steps in to foreclose on their collateral. So, yeah, there's really no no other way for the situation to somehow deliver clean title. No. So what if the unit owner in correspondence with the commissioner or whatever, you know, they just get throw their hands up and they're like, you know what I can't maintain the unit I can't make the mortgage payments. I can't pay back all my past two maintenance fees. I mean like, like mortgage lenders you're able to literally almost give back the keys and one one verbiage that was that was said. So what if that's presented to all the parties all the lien holders like I can't I can't do this, you know, I don't want the unit just take it off my hands. I mean is there a formal process for that as well. Yeah, so, you know, it really depends if of course if the property has equity, the best way usually is for owner to stop ownership, put it for sale on the market, you know, get money pay off your mortgage and then maybe you get some money back you for the lender or the association accumulate legal fees and costs because that all ultimately will come out of your pocket. But if there's no equity, you know, if the market the market is bad now the property is on the water that happening you know back in the last crisis we saw a lot. You know, then the owner would be better off to just surrender I think, you know, in a lot of other states there's deed in lieu of foreclosure. And somehow you know the, you know, these days of course there's also for variance during the special period of time especially during Kobe. There are a lot of programs out there who can help owners. You know, it really depends if you have a lot of debt on this property you're also worried about your credit. At that point if you're super super underwater you have many liens on this property already maybe the best way is to consult with a bankruptcy attorney. With bankruptcy, you can shake off a lot of those junior liens like a judgment if you have a very giant judgment or even RS income liens whatever work through bankruptcy process get data protection give you a period of time to you know you can there is a portion you there are debtors who you know either choose the chapter seven liquidation process or involuntary or you know the voluntarily choose a chapter 13. They could, you know, through bankruptcy there's a five year payment plan because somehow, you know, only, you know, those secured creditors will pay the portion of the debt through the payment plan. And the other insecure debt will be wiped out through the bankruptcy process. So there's definitely avenues there. That's why the whole process started with the 60 whole day hold also notice will tell debtors there are these consulate services available you can do credit counseling, or you know budget counseling or even bankruptcy counseling to try to put your financials into order thinking through what makes sense for you at this point. Okay. So, we're getting close to our end time but I also wanted to, to make mention that Hawaiian committee, Hawaiian committee assets so it's, it's Hawaiian Council dot org, not Hawaii Council but Hawaiian Council dot org. They are doing the homeowner assistance. And I want to say they will help up to 30,000 but I don't call me on that but I was going through the website and I did refer when one person to them and they've been tremendous and helping her in getting her stuff in order, because she was, there was an auction date set for her. But they do have assistance to homeowners, and I believe it's not specific to just Hawaiians only that you have to have part one for them to help their, I believe that's open for anyone to seek assistance so people should really if they're delinquent they should take advantage of some of those monies that are still out there from COVID to do these assistance that that are really, I mean they really need to take advantage of it so that they can save their properties and and get current if they're behind. So any, any closing thoughts that you have.  But of course during the, you know, foreclosure process until you know that the sale coming as documents are recorded there is a period of time you can still, if you come up with enough money you can pay off the desk stop the whole process to regain your rental property. But that that's usually like, you know, a lot of legal fees has been accumulated already, like if you started with something small, you know, propose a payment plan work hard to try to avoid further accumulation of legal fees usually you try to tackle a smaller problem is much better than you take nothing no action and wait and then the legal fees is going to jump, you know, substantially making it even harder for you to try to deal with the problem down the road and those professional consulting services are really helpful. And there may be some other assistant programs out there, especially for owner occupant, you want to, you know, actively seek help if you are in that kind of situation and also find your own console represent you to in the foreclosure process, don't just get defaulted and then do nothing. Right. Okay, so thank you we're nearing and I really, really want to thank you for joining me today, and going through this little tutorial on that whole foreclosure process and what it should be complying in with the debt collection practices act. I really appreciate you taking your time out of your busy day to do our condo insider. So with that, so thank you not not on. And thank you everyone for joining us. Hope to see you back again next week on another condo insider subject. Thank you.


hat we're moving forward it's just a suggestion to i was going to suggest that we just go through them one at a time okay um and we'll take prop 10 last we'll stick measure in before that alright everybody okay um i'm not seeing it oh mr schweidtum i just had one question on measure m the oversight who is appointing the oversight and how large is that body it's appointed by the board of supervisors i'm sorry the board of supervisors establishes the committee and then there's an appointment of seven committee members minimum of two of the committee members are selected from a list of names submitted by the mayors of sonoma county cities um and in the absence of one or both names from the city mayor mayors in the sonoma county parks advisory commission chair and vice chair will serve on the oversight committee each board a supervisor member appoints one person so there there you have the seven so the seven is a seven or five soups and then two from the mayors and council yes and and again there's two pots of money there's a a county pot and then there's a city pot and and the city pot is there's a there's some ambiguity about how that city pot is to be divided um and i think we need if we can find the language maybe we can talk about that but this the oversight would over have oversight of both of those pots of money the same oversight yeah but but there'll be two thirds will be going towards county projects and not a garden city yeah my own question is about the oversight so thanks okay if that's all the questions i've got a card here from shelly clark is she still here i think she exited the room um we'll bring it back to the council um mr rogers thanks mr mayor uh i just wanted to i'll add a little bit of information in context to some of these uh for proposition one and two uh there's the amount that's listed for the bond and then there's the additional amount of financing the bond over the course of its life and typically and in both of these it's the case it's about double what it actually is so for prop one it's four billion in general obligation bonds it will actually end up costing the state closer to eight billion uh and likewise for prop two two billion to four billion just to make sure that that information is out there for proposition number three the league of cities is supporting proposition three i actually personally do not and i will just tell you there was uh during the the water shortages many individuals from southern california elected officials who were making comments such as uh if we can pay for the water who cares how much we use we should pay for the water that's fine that's their prerogative but what prop three actually does is it ends up backfilling in a lot of those instances where there was deferred maintenance on the actual systems so that they could cut costs essentially to continue to use the same amount of water it also would further the delta tunnels project by clearing a couple of key hurdles for them so just in particular that's why most entities have not taken a position on prop three or have gone no the league of cities being an entity that is looking at providing resources to cities and jurisdictions they went yes so that makes sense for prop five this actually is commonly referred to as the golden handcuffs where once somebody is locked into their mortgage with diminishing increases towards their property tax value or extermination state diminishing capped increases to their property tax value so it'll be an interesting conversation with prop 10 as well it's difficult for folks to downsize to move into a home that then ends up spiking their property taxes where this has become a problem though is under the current rules with prop 13 it's a reciprocal agreement typically between counties it's one time if you're over 55 and it has to be of a property of similar value that gets wiped out in this so prop five would actually allow you to move as many times as you would like at any age and it would allow you to move from properties of not similar value so for instance this would allow folks to purchase a home in calusa county and then move their property tax base to santa rosa which is why you see in the analysis the diminishing return for the local schools and for local municipalities it's because you can't predict how people will move or shift their property taxes around that's why that that one is on there and that's actually why most entities have taken a no position on prop five uh other than some of the realtor groups and i do believe actually now that i think about the league of cities might have taken a no position on that as well but if you could double check for prop six we've talked a lot about what this means for sonoma county in particular it means widening the narrows it means extending the smart train it means filling potholes but really the first bullet point in the presentation is one that needs to be considered it would take it away from the hands of the legislature to ever be able to make determinations based on road funding again it would instead make it so that it has to be a ballot measure that ends up doing that as you know right now it's a two-thirds threshold in the legislature to get anything like this passed this would make it so that even a two-thirds even a 100 agreement from the legislature would not be able to do it without a statewide costly fight as well to clarify the league did not take action on five yeah and that's pretty much it for my my comments on here here i will just i will also mention there's prop four children's hospital funding prop seven daylight savings time which is not actually daylight savings time prop eight dialysis patients prop 11 ambulance employees and prop 12 related to farm animals not related to cities happy to talk to you guys about that offline but of course everybody's favorite prop nine which would have split the state into a number of different states which was then taken off the ballot by uh judicial action mr. Sawyer thank you um mr. vice mayor is could you explain to me why or maybe staff why we're not taking a no on proposition five so i think i think a little bit the wording here should be um not necessarily no action we don't have a formal recommendation at this point i think that would have been a better language choice on five and ten no recommendation that's for the council to discuss if they want to have a recommendation and i think the reason really why people have struggled with this one is that it is a very real problem uh that golden handcuffs that i was talking about of of individuals particularly later in life who want to downsize but they can't because they'll actually end up paying a lot more so that's a very real issue that they've tried to figure out how to deal with but in practicality the way that this is written um would end up harming cities and counties if you are in a city or county that's desirable so that it's created another problem right that's the other one that's right thank you i'm not surprised i guess i shouldn't say that thank you mr. vice mayor are there further questions before we get to uh making some decisions here yes well i wasn't sure if we were going to go there on prop 10 or not um but did um i'm sorry did the league take a position of prop 10 uh the league did not so the the league looked at this uh and really what they come down to is that it is a local control issue as was noted in the the staff report prop 10 doesn't actually implement rent control but there was an attempt in the legislature this last year to reform costa hawkins and the bill in particular there was um a deal that was sort of on the table the table to keep a 20-year window of that costa hawkins prevention of it applying to homes that were were new keeping a 20-year buffer so that you could realize returns on that new construction and that would move each year as the new construction happened that one ended up failing uh actually by one vote in the housing committee and uh in the the reason or i shouldn't say uh for sure but that deal was largely rejected because there was a ballot measure that people wanted to push on costa hawkins and so i think the league looked at that had discussions about this is a local control issue and from that perspective they don't like costa hawkins but at the same time because you had the legislature abdicating their authority they would have preferred to have amended a state law with a state law not with a ballot measure that then uh would be harder for them to change if they needed to so i think that that was the reason thank you other questions okay um um mr. short you have this item or at least most of this item i will introduce introduce a resolution of the council city senator as a supporting proposition one authorizes bonds to fund specified housing assistance programs and a period legislative statute and wait for the reading second any further discussion your votes please passes with six eyes secondly i'll introduce a resolution of the council the city senator supporting proposition two authorizes bonds to fund existing housing programs for individuals with middle illness it is a legislative statute second your votes that passes with six eyes i'll introduce the resolution of the council the city senator roza supporting proposition three authorizes bonds to fund projects for water supply and quality watershed fish wildlife water conveyance and groundwater sustainability and storage this is an initiative statute and wait for the reading would you accept a friendly amendment would you like to change that to no i was going to suggest to fund the amendment of the city not taking a position on proposition three i would accept that do we have to take a vote at all if we're taking no position now if you're um i would i would take a vote i would recommend that because we have a resolution before you so um i could withdraw it or we could you could with either you could withdraw the motion and and move if no one else makes a motion to act on it then there's no action and that's clean i would draw the motion the resolution is there any other motion on this item moving on introduce a resolution of the council the city senator roza opposing proposition six eliminating certain road repair and transportation funding requires certain fuel taxes and vehicle fees be approved by the approved by the electorate it's an initiative constitutional and initiative is constitutional and is an amendment and wait for the reading and if i may i just want to clarify and i apologize i should have spoken up on propositions one and two as well and we did provide the council with a modified resolution earlier today i believe i just want to make sure that those are the resolutions there should be a there's a very minor change the change was simply to clarify that on each of those items you were also authorizing the city to be named as either in support or in opposition uh in the in the coalition rather than it listing the council as being in support it allows us to list it as the city of city of Santa Rosa so that change was made on proposition one and two just to have the city is you're authorizing the city of Santa Rosa to be listed as part of the coalition in support of those propositions and on proposition six that the city of Santa Rosa is part of the coalition in opposition to proposition six everybody good with that i'll second the motion that was on the floor okay and the motion that mr. Sawyer just made was in opposition to prop six we'll take a vote on this and then go back to number five which i think you skipped i think you and i don't have any paperwork on five okay because because it was because of the no action okay all right so we're still on six we have a motion to oppose six second to oppose six your votes i think is that is that it can you clear that okay thank you okay that has six eyes you have no paperwork on proposition five correct make any motion on proposition five um hold on i would actually i would move to oppose proposition five yeah i would i would i would move to oppose it second he votes in favor of opinion and that has six eyes and then let me go to um and then i'll excuse myself i res uh to introduce the resolution of the council the city of Santa Rosa supporting measure am parks for all wait for the reading second you votes that has six eyes and give mr. Sawyer a minute yeah and we want to make a motion on prop 10 i don't think i can count to four on 10 so it makes no sense to make a motion my understanding is we have to have four votes is that correct we can't do it with a simple majority a seated no we'll need four votes thank you we have five people we'll just leave that live thank you very much moving on to 14.2 item item 14.2 report real property transfer tax designation of funding for homeless and affordable housing programs real property transfer tax an amendment of council policy for number 000-48 policy to designate general funding for homeless and affordable housing production dave guine and chuck mcbride presenting many mayor members of the city council this item allows you to consider designated designation of funding for homeless and affordable housing programs through real property transfer tax we start with what we have as a staff recommendation it provides you with the opportunity to consider the amendment to city council policy 000-48 policy to designate general fund funding for homeless and affordable housing production you can adjust the amount of real property transfer tax funding to be designated for homeless and affordable housing programs so just by way of background to give you a sense on the real property transfer tax also referred to as rptt is a tax imposed on the transfer real property from one person to another or an entity the tax is based on the property sales price due at the time of property transfer the city's rppt is $2 per 1000 of property value the county's is $1.10 per 1000 dollars of property value for a combined total of $3.10 for a thousand dollar property value thank you currently we receive approximately four million dollars each fiscal year from the transfer tax under our current council policy 25 of those funds are designated to be used by housing community services department for homeless and affordable housing programs so just by order of magnitude in 17-18 we committed 1.1 million dollars to that this item provides the council with an opportunity to consider adjusting that policy amount of 25 percent for the housing programs so an option that has been discussed with the long-range finance committee was to address that that additional dollar 45 that was added in 1990 so initially there was a 55 cents per thousand dollars of valuation that went to the city and then 55 cents valuation that went to the county that was adjusted in 1990 so the city's portion went up by a dollar 45 to two dollars per thousand suggestion was that all of this dollar 45 increase be provided for homeless and or affordable housing so to allow us to for adjustments for the impact of the general fund this increase could be phased in over a number of years and the increases despite how many years that we phase this in over be cumulative so we could wind up with 100 percent of that dollar 45 of the transfer tax funds being allocated to homeless and or affordable housing so a brief presentation and concludes we were happy to answer any questions no I would just like to to point out that this has been a little bit of a confusing issue over the over the months and years that we've talked about it the original staff report and presentation on this that that the council received and the public received last week talked about 100 percent of the of the three dollars and ten cents what the long-range financial committee has has talked about in our meetings over the past several months is getting 100 percent of that dollar 45 increase into housing and homeless services and that's what the report that you just gave reflects and I believe that that's actually an accurate reflection of what the long-range financial committee has has discussed and is recommending to the full council tonight and if I yes I wanted to clarify you are correct that as originally drafted the staff report would have addressed the full allocation of RPTT not simply the dollar 45 increase and it had a schedule in there to go up to 100 percent of the full RPTT to be designated for housing and homeless and affordable housing programs what we have provided you this evening is an alternative option that is as you spoke addresses simply the dollar 45 increase from 1990 so that's the portion that we're talking about and in this in the draft resolution that was provided to you now and that is available to the public upstairs takes it just to up to 80 percent you are free under either the original resolution as provided to you and online last week or under this you can adjust those numbers you are free to adjust the percentages you're free to adjust whether it's the full RPTT or the dollar 45 the time frames you can adjust that I was just issue question was raised regarding the brown act the brown act is satisfied because the item has to do with what the allocation from RPTT is what that designation is going to be for housing and and homeless programs it's all within the scope of your deliberations tonight to decide again the number the percentage what's it based on and the time frame thank you questions council mr schwaith maybe you said by mr was there a recommendation from the long-range committee and if so what was that what was the vote of that recommendation the recommendation from the long-range financial committee I believe was what is reflected in the the updated council policy that we see right here so not a line version the red line version is what's recommended by the committee was a unanimous vote yes I do have a question about I don't I what I don't remember was the stopping at 80 percent if I could get some clarification on that I thought the conversation was I mean at least to have an option of moving to the full hundred with with kind of with the option if necessary to delay with a full of with an open vote of the council and to reduce that that obligation if we became if there was a reason to do that fiscally but I did not remember it's stopping at 80 could you refresh my memory on that honestly mr rogers do I'm looking at the document right now that we worked out for the long-term finance this is accurately reflecting that going to 80 percent by 2022-23 that was the decision may yes thank you just another ripple in that in the memories yeah any other questions mr tivitz thank you mr mayor the question I have is what is the difference I understand the logic behind the dollar 45 increase versus the full 100 percent but what is the difference in annual amounts for housing because what it comes down to for me is is again housing's got to be a service that the city provides looking at what the cost of living is in this community today and so I'd be interested in the full 100 percent but if 80 is what is is feasible at this dais then I'd like to at least know the differences so my understanding of reading these documents and I wasn't part of the long-range finance committee then it seems that what the 80 percent refers to is is the full dollar 45 so I'm just doing some rough math here if you took all the dollar 45 and committed it to housing homeless you'd be looking at about three million dollars per year assuming that we get four million dollars a year in transfer tax and it does fluctuate if you go to 100 percent of the entire two dollars which is again my reading of that then you'd you take the entire four million dollars so the difference there the way I read it is a million dollars and that is the what the question was yes okay one thing I'd like to just put out there and I apologize for not doing this in the comment section but it's my understanding that when we lost redevelopment we went from about eight million dollars a year for housing to 3.5 million so I'd encourage the council to look at it from that perspective if we do the full 100 percent uh granted phased in over multiple years which is the smart budgetary thing to do we'll have done a great job in closing the gap where it used to be redevelopment and I think that's important to think about especially as we go into November with measure n it may win it may lose um and if I hope it doesn't lose but we're at two this is a very important um it's a guarantee for the future of the city mr rogers thank you mr mayor I've actually asked this question a couple of times my understanding is that part of the rptt actually goes to the county and goes into the county's general fund I think it's about a million dollars a year that they get uh how do we make sure that that actually is spent on housing or how do we take that back to make sure that we spend it on housing we only have control over the money that comes to the city yeah so my understanding is that we actually it's real property transfer tax that comes into the city we remit a million to them that was passed prior to having uh any type of a vote requirement for such a such a tax and therefore we're locked into what was done by council policy or ordinance prior to my interest my question is do we have to pass an ordinance to take that and re-divert that those dollars back towards housing here locally in the city or do we have to actually do a ballot measure if we were to try to do that I have not looked at that and it is and I'm happy to look at that that's not part of the agenda item for this evening so we can't really go too far on that discussion I'll second having that discussion at some point it's fine and I see some shaking heads behind you that I'm my understanding might be a little bit off on that but the but the intent is there and hopefully I can follow up with uh some folks we'll follow up all right let's go miss do we have any cards on this Adrienne lobby hi this is Adrienne lobby from Grumos Action I'd just like to support you in passing this resolution and making this adjustment it's uh as Jack said a security measure and something that will help us in the years to come and I applaud you for getting at this far along thank you thank you that's all the cards I have uh go ahead Mr. Ling Ryan Ling snow county line yeah I'm sorry my card apparently is still up here in the basket we've just reiterating the points we've made uh a few of us attended uh I guess it was three or four of the long-range planning meetings and the proposal that was discussed as you mentioned to phase it in over four years to get to the 80 percent of the dollar 45 I'll let you guys do the math from there but we continue to support that as we've mentioned it's certainly our belief that that was the intent when this was done in 1990 there's nothing we need more than support for all things housing and the sooner we can get this implemented the better if you want to do more quicker we certainly would support that but uh we continue to support the proposal that we've made uh as most recently last June thank you thank you it's all the cards I have um any further questions yeah Mr. Rogers yeah I just wanted to make a quick comment Mr. Mayor we have seen this at the council level and we've seen it numerous times at the long-term finance committee level and I think for me in particular this is really an issue of transparency and once it became very clear in our discussions that this is what the dollar 45 was promised in the increase that it was going to go to particularly looking at our finances this year and having another sales tax measure that's on the ballot I think it's really important for this council to continue to spend dollars the way that we told the public we are going to spend dollars when they approved them to come to us so for me it is a transparency issue uh just as much as it is a budgeting issue and obviously I don't disagree with the intent which is to develop housing as well so I'll be supporting tonight thank you this comes thank you um I agree and I want to thank the long-term finance committee for their work on this and for bringing this forward to us obviously I'm a strong supporter of housing and we need these dollars for housing it's my understanding we already spend close to this amount and clearly we need to reestablish trust in our community this council can be the trustworthy council by making good on the promises of the prior councils so thank you for bringing this forward there for the comments on this mr tibbetz thank you mr mayor and yeah I'd just like to thank the long-term financial subcommittee we brought this up a year ago and I really appreciate the fact that you took it into consideration and and brought it back it means a lot I've been looking at this I actually like the 25 to 80 percent by 2022 23 just because being able to get those dollars out there and get that housing I mean this can be our local match on a lot of this stuff so having more by 2022 having 80 percent rather than 45 by the same time period I think is important so I I mean I'll be supporting and I am supportive of the the proposal that was just delivered to us Mr. Sawyer thank you mayor well I also like to appreciate the the community coming forward and articulating very clearly the need to go back to the original intent and also their understanding that we do need if necessary an escape hatch and that they supported that if as long as we were open and clear about it and voted on it clearly that's exactly what we were doing but they're clearly under they understood the need for us to have an escape hatch especially in the fiscal environment that we find ourselves in and I'm happy to support this tonight Ms. Combs you have this item I hadn't realized it thank you I'm going to move a resolution of the council of the city of Santa Rosa amending council policy 000-48 policy to designate general funding for homeless and for affordable housing production as amended in the redline version and wait for the reading of the text second your votes that passes unanimously thank you for your work on that Mr. Mayor yes Ms. Combs I'd like to ask a process question if I may it's my understanding Jack can you wait a second it's my understanding that we can revisit an item during a council meeting if if a council member so chooses that we can request to do that that we have a process for doing that I would like to revisit our action on proposition 10 if the council did not take action on proposition 10 so what I'd like to do is make a motion that as exceeded that we we move proposition 10 it's it's a little odd because the reconsideration is if a measure has passed or if there was a vote on a measure and the person and a council member who was in the majority vote can ask for reconsideration of an item but here you took there was no action taken so okay I'm not trying to figure out the majority was to take no action right and I was in that majority and so I am requesting that we take action you may do that okay so I'd like to move that we consider supporting proposition 10 returns local control to cities regarding what is best for our community we get to make that decision ourselves our council in the past has passed a rent control ordinance among the talking points regarding that ordinance was the unfairness that was opposed imposed by costa hawkins this proposition removes that unfairness without requiring us to adopt any rules regarding rent control so I'm hoping that just as a matter of local control we can make that motion based on my belief that costa hawkins is a terrible law and that and also my belief that local control is a good thing let cities decide how they want to run their cities I will second that motion yes mr. swardow I just have some questions because the interpretation what I heard just with the vote is not what I heard you say we did not take an action of no action there was no action taken so the the item was brought to you earlier to take a position on proposition 10 the council determined not to take action on on proposition 10 so that was the action that was taken was to not take action so I do believe that there is an opening I can't say I've seen any law on the matter but that was a that was a decision by council to take no action on prop 10 so what is now what was asked for reconsideration was that decision to take no action okay so then the second question I have just knowing that some council members of the body who are currently still here I understand mr. Sawyer his excuse himself but when we've had to deal with some rent control issues there's been a discussion that a couple other council members have to use themselves yes and any council member I do not know current status of the other two council members who previously have had conflicts as landlords as renting their rooms if that is still the situation that they are in then they should also recuse themselves from this decision it was my before you before you recuse it was my understanding that if a significant number of individuals within the city are in the same situation that we can continue to move forward with the vote the the issue here what we have is a that is that does not apply here because costa Hawkins itself limits the application and there is no local we have ordinance before you I am not clear that there is 25 percent more than 25 percent of the population that are landlords that fit within costa Hawkins but I know a landlord that fits within costa Hawkins so why can't I go ahead and vote because I have a single family residence right and so you so you you are not able to vote because by eliminating costa Hawkins you may then become you may be covered by yes and the conflicts of interest don't don't depend on whether whether your vote is going to help you or hurt you it's whether you have an interest in the vote can you explain what the consequences are if we choose to vote anyway consequences are the action can be voided you can be subject to civil fines and the criminal fine or criminal actions you can be subject to an fpbc fine okay well I still have friends of my children living in my house and they do make a contribution toward the household expenses which I interpret to be similar to if not equal to rent yes so I have to withdraw the item because I made the motion yes okay moving on the card for public comment from Thomas do you have something to say that does not cover what you covered before different subject is what I'm asking yes my comments before were I thought regarding 12.5 and 12.6 as I made very clear Thomas at the time it was that was a combined discussion about homeless items do you have something other than homeless items to talk about yes this public comment period yes thank you that was my public comment on non-agent items at that time not so though they were separate thank you we have not heard here as I believe we have not heard here the Sonoma County civil grand juries requests from the city regarding the fire so the fire was as I understand the predominant aspect of the Sonoma County civil grand juries report which was issued to both the county and the city and to the various departments and I don't believe we've had a hearing of that I know that there must have been responses to the civil grand juries report from the county and the city from the city and the various departments but I don't believe we've heard that I think we should have heard that and we should hear it whether we whether we should have or not we should hear it having to do with the response it was a massive fire it was it's obviously devastating as Mr. McGlynn mentioned it was you know catastrophic horrible and so the grand jury has asked many questions we don't even know necessarily exactly at least I don't know exactly what the questions are the answers were from the from the various departments and I would like to get some information on the response from the city as to that because for instance the water measure right here and I I'm opposed to the tunnels because all those issues in San Joaquin but that water issue prop three could fund and meaning you could look additionally at reforming that that doesn't do the tunnels at the state you're not going to do it yourself but obviously the influential members of the senate that we have obviously uh in this area and so on um can reformulate that in a way that you could support where state money comes here from a state bond that goes and deals with the watershed issues that are very important in proposition three I understand why you don't want to support proposition three but at the same time there are these watershed issues that are critical to Santa Rosa thank you thank you Mr. Mills with that we're adjourned


This paper presents a new approach to automatic water body extraction based on a hybrid-mix-former architecture. It combines the advantages of convolutional neural networks, CNNs, and transformers to better capture both local and global contextual information from remote-sensing images. The resulting Immunet architecture outperforms existing methods in terms of segmentation accuracy and robustness. This article was authored by Yonghang Zhang, Huang Yulu, Guanyi Ma, and others.


Say, do you know if you're getting paid properly?  So, put on your ATA hat, grab your calculator and follow me. Don't worry, it's easy. Step 1. Grab your September paycheck and scope out that box in the upper right hand corner. Look for where it says grid placement. The first two numbers are your years of education and the last two numbers are your years of experience on the grid. Step 2. Now take a look at the grid. This is the new grid with the salary increases applied. If you're at Parkland, I've included a link to it down in the description. Find where you're at and divide that number by 12, or 12 paychecks in a year. These two numbers should match up and if they do all as well, start making it rain. What if they don't match up? Well, a quick call to HR will usually straighten things out but remember it's up to the teacher to ensure that grid placement is correct and their salary is being paid correctly. If you have any questions, you can contact us at local office and try not to spend all that money in one place.