Kim and her husband Ron are friends of Marie and mine. We've known them for many years. I I first met Ron when he was an assisting pastor at Church called Pacific Hills Church. So I've known Ron since he had hair he was a rocker a rock and roller and He has a picture on his web page his testimony and he he played Hard rock guitar and his hair was down way past his shoulders. So for him those were the good old days and He has a friend some of you may heard its name Tommy Lee They grew up basically together and Tommy Lee started a band what's it called Motley crew Motley crew and wanted Ron to audition to be their lead guitar player So he was very very very talented and still is when it comes to playing Rock guitar and all but he had just gotten saved and So Ron said no, I don't want to be part of that. I want to serve the Lord and so Ron began to serve the Lord and he eventually became an assisting pastor at at the Pacific Hills Church and Went often to Houston over 20 years ago now and planted Church Calvary Houston And so Ron and Kim are very very close friends of Marie and mine I've known them as they I said over well over 20 years now and So Kim we we have known Kim going through this cancer that she has and She's a she's a Hispanic woman. She's from this area and They're saying that the match may very well be from a Hispanic And so naturally they thought of us I Said I've got a few here and So I just think it would be wonderful if a match could be found for her From her family here in the church. She'll be sharing on Sunday morning I'm giving her just a few minutes Sunday morning to share a little bit about what's going on and all and She happens to be in our friendship circle probably one of the very closest friends We have and we love her dearly and really pray That the Lord will find a match for her and who knows it may be That someone here in this church may be able to be a match for her And so I would encourage you next week. We're going to be having swabs and all and she'll be sharing a little bit And so you'll hear some things about that when they come and as already mentioned next Sunday night We'll be in in the main sanctuary We will have heaven ease here with us and and if you haven't seen them. It's it's quite a program it really is unique and amazing and and I asked Mari To share his testimony being a Japanese man How is it that you got saved and we'd like to know that and so he's going to be sharing a bit of his testimony in The musical but if you haven't seen it it is well worth seeing it's it's a gospel and and It's actually been influenced by Andre Crouch and If you haven't seen it again, you'll you'll just be blessed and The testimony will be great too and then finally Men if you haven't signed up for the men's retreat, I encourage you to do that We'd love to have you with us as we go off to the mountain to get away from our No, I mean to get closer to the Lord And It'll be a blessing All right Well, we're going to look at chapter 12. I actually want to share with you concerning two of the gifts of the Holy Spirit Um, I may not get to those two gifts. I'm going to I think I am But I want to spend time laying a foundation By looking at something in scripture referred to as the baptism of the Holy Spirit because that's really important for me to Lay a foundation so you to for you to understand the gifts that God has provided for us the gifts of the spirit of God So let's begin reading together here in first Corinthians chapter 12. I'll read verses 4 through 8 And we'll get into our study first Corinthians chapter 12 beginning at verse 4 reading 2 verse 8 the apostle paul writing writes Now there are diversities of gifts But the same spirit There are differences of ministries But the same lord There are diversities of activities But it is the same god who works all in all But the manifestation of the spirit is given to each one for the profit of all For to one is given the word of wisdom through the spirit To another the word of knowledge through the same spirit And we'll stop there because we're going to really as I said give an introduction and Hopefully I'll give you some basic things related to these two gifts That he mentions in verse 8 the word of wisdom and the word of knowledge But as we begin I want to refresh your memory concerning A man in the bible by the name of john the baptist John the baptist was a messenger who was sent By god to prepare the way of the lord and we know that And in his ministry he communicated clearly that Jesus christ is the one who baptizes with the holy spirit In matthew chapter 3 verse 11 john said I baptize you with water for repentance But after me will come one who is more powerful than I Whose sandals I am not fit to carry He will baptize you with the holy spirit and with fire So john is letting us know from the beginning That the one who sends the holy spirit Is jesus christ Jesus christ is what is referred to as the holy ghost baptizer Now jesus told us that in john 15 verse 26 He said when the counselor comes Whom I will send to you from the father the spirit of truth who goes out from the father He will testify About me So I want you to notice this because I'm laying a foundation for you one John the baptist says I do baptize But I baptize with water representing repentance There's one who comes after me He is the one who will baptize you With the holy spirit So jesus himself says that I will send the spirit upon you So the bible makes it very clear that that jesus christ is the one who baptizes with the holy spirit Jesus is the baptizer So in order to see this how it works out in scripture, we need to turn to the book of acts chapter one Let's turn on bibles there Acts chapter one There are those who say That the ones who baptized with the holy spirit were the the apostles And this baptism of the holy spirit that we speak about Was only something that occurred in the first generation And that when the last apostle died This particular Thing that we refer to as baptism holy spirit as well as the gifts of the holy spirit. Well it it ceased And that doesn't occur anymore So the reason I laid it out that john said jesus is the baptizer I wanted you to see that jesus is the one who does it. It wasn't the apostles It is jesus himself And the writer of hebrus tells us that jesus is the same yesterday today and forever Jesus is still operating still ministering and he still is the holy ghost baptizer. So It wasn't the lane on of the hands of the apostles That was producing This power it was god himself So in acts chapter one verse four Luke writes being assembled together with them He commanded them not to depart from Jerusalem But to wait for the promise of the father which he said You have heard from me for john truly baptized with water But you shall be baptized with the holy spirit not many days from now Therefore when they had come together, they asked him saying lord Will you at this time restore the kingdom to israel? And he said to them it is not for you to know times or seasons which the father has put in his own authority But you shall receive power when the holy spirit has come upon you And you shall be witnesses to me in jerusalem and in al-jadiyah and samaria and to the end of the earth So as we begin here jesus is speaking concerning and i want you to notice that the promise The promise of the father is what he calls it So he uses the word promise in describing the gift of the holy spirit The word promise simply means an announcement of divine assurance for good God has promised to give you something good. I'm assuring you that something good will happen So the promise is god's divine assurance for good in our lives And this promise is in reference to that which was spoken of in the old testament There are a lot of scriptures I could turn you to or read or cite But i'll cite these if you take notes you might want to note this 800 years before christ God made a promise to the nation of israel through the prophet joel In joel chapter 2 verses 28 and 29 And afterward i will pour out my spirit on all people Your sons and daughters will prophesy your old men will dream dreams which i've been doing quite a bit of lately Your young men will see visions Even on my servants both men and women. I will pour out my spirit in those days This is a promise that jesus is speaking about 735 bc isaac 44 3 says i will pour water upon him who is thirsty Floods upon the dry ground I will pour my spirit upon your seat and my blessing upon your offspring the promise of the father 586 bc isekio 36 25 through 27 Then i will sprinkle clean water on you you shall be clean i will cleanse you from all your filthiness and from all your idols I will give you a new heart and put a new spirit within you I will take the heart of stone out of your flesh and give you a heart of flesh I will put my spirit within you cause you to walk in my statutes. You will keep my judgments and do them 487 bc zechariah 12 10. I will pour on the house of david and on the inhabitants of drusum the spirit of grace and supplication These are promises that relate to the holy spirit Joel especially is one that is cited because on the day of pentecost That is a passage that the apostle peter cites in order to show the people that the promise that has been given by god All the way back in the old testament 800 years before christ has been fulfilled Even in your day. So these references that i'm speaking about here are all referring to this holy spirit Jesus was speaking concerning the promise of his holy spirit in luke chapter 24 verse 49 When he said behold i send the promise of my father upon you But tarry in the city of jerusalem until you're endued with power from on high So we have something in scripture that jesus refers to as the promise of the holy spirit So here in ax chapter 1 jesus is instructing his disciples to keep on waiting for the promise Well that fulfillment of the promise occurs 10 days later in what is called pentecost Now When you read your old testament you note that the holy spirit very often would descend But the holy spirit would also Um would depart In first samuel's 16 14 it says the spirit of the lord departed from sol And the solmis in psalm 51 verse 11 said this he said Do not cast me from your presence or take your holy spirit from me In the old testament the holy spirit would descend anoint remain and then leave But that's not the way it is in the new testament You see in the new testament jesus made a promise that his spirit would remain with believers In john 14 16 and 17 He said i'll ask the father He will give you another comforter to be with you forever The spirit of truth the world cannot accept him because it neither sees him nor knows him But you know him for he lives with you and will be in you Now Here an axe the disciples when jesus is speaking concerning this promise That he says that you have heard of me and then goes on in verse five to say john baptized with water But you'll be baptized with the holy spirit not many days from now It's interesting how How the disciples remain kind of the way that they are In as you see them in the gospel asking questions that don't pertain to the context Because jesus is speaking here about a promise that's coming And what they asked doesn't seem to pertain to that because in verse six they said Are you going to at this time restore the kingdom to israel? And so they're thinking that that all fits within the the context of of the promise But one of the things that they didn't know at that time that is revealed because it was a mystery that is now revealed to us Is they didn't see the the the space of time that would occur from pentecost to the present time that is called the church age And so all of their eschatology the things that they knew related to last days Led them to believe that things would be wrapped up quickly and that's why they're asking Are you now going to restore the kingdom to israel? Are you going to do the work now that is promised in the old testament? But the lord jesus christ is making it clear listen There's going to be a gap of time you're going to be doing a work and that's why he says One in verse seven he says it's not for you to know times of seasons Which the father has put in his own authority in other words the secret things belong to the lord the things that are revealed belong to us Don't try and find the chronology of these things, but do what you're commanded to do What are you to do verse 8 you'll receive power when the holy spirit comes upon you You'll be witnesses to me in jerusalem judaeus samaria to the end of the earth So you've got a work to do you've got a task to perform It's not going to happen immediately The promise is the holy spirit who's going to come and will be upon you will empower you So he gave them marching orders Go forth preaching the gospel, but in order to do that You will require power You will require the power of the spirit of god So god wants to god desires to communicate in perceivable ways But he intends to do that through us If the lord wanted and we know this this would be even remarkable if you did it But he could align the stars in heaven Where we walk outside and it says jesus saves And that'd be it and that'd be a pretty good sign jesus saves But he didn't do that did he he hasn't done that has he He gave a remarkable sign, which is the resurrection of the lord jesus christ And that's what we preach. That's why we are his witnesses. What are we witnessing his resurrection? His being our savior The fact that he's returning for us We are his witness But in order to be able to be his witness and i want you to note that he said you shall be To be his witness requires something we don't have on our own To be his witness requires transformation And transformation comes through the power of the spirit of god So it's not enough for me And you all know This ministry is built on teaching the word of god.  What is it? And you can say the holy spirit of god who has rested upon me The holy spirit of god who empowers me and that's the promise that we're looking at So he said we'd be witnesses Let your light so shine before men that they may see your good works and glorify your father Who's in heaven Matthew 5 16 tells us Let your light shine So that you can be a witness now to be his witness as mentioned early requires power Our lives will evidence his presence And so that comes to the baptism of the holy spirit That's a a promise that was fulfilled on the day of pentecost that is recorded in Acts chapter 2 Now the Feast of Pentecost is celebrated 50 days from the first sunday after Passover And so that's when the baptism of the holy spirit occurred now I mentioned a moment ago out of John 14 16 and 17 something concerning the holy spirit Now he would be with you and he would be in you There are three prepositions That are used in relation to the work of the holy spirit There's the word with there's the word in and there's the word upon So the holy spirit will be with you Because you develop communion and fellowship with the spirit of god the holy spirit Will be in you because at conversion you become the temple of the spirit of god according to first Corinthians 3 16 But he also says the holy spirit will be upon you That's what is called the epi in in in greek the word is epi And it speaks of body it speaks of him resting upon you and empowering you For the work of service I was sharing yesterday perhaps a few of you men may have been there yesterday at the men's conference I don't know, but were you there? I was sharing How that when I first got saved What we did is because we were part of what was called a jesus movement a jesus revolution What we did is we celebrated who jesus christ is that's what we did so When we went to church we expected to get bible studies not entertainment When we sang songs it wasn't to make us feel good. It was because we worshiped him When we gathered together with people it wasn't so that we could eat pizza and say I hang around with christians It was so that we would encourage one another and exhort one another and pray for one another and minister to one another And teach one another and and that's what we did that was my early days in the lord when I first got saved You know church for me wasn't the place that I went to because I had nothing else to do It wasn't a place that I went to simply because my friends went there and were going to do something important afterwards Fellowship wasn't something. Oh, I'm just going to hang around with a bunch of people who don't drink and smoke and chew and all of that stuff And that's good because I don't feel like doing that anymore There was a reason for all of this and it was all because I wanted to grow closer to jesus christ and know him And the power of his resurrection and to live for him and be transformed It's because like many of you it's because my life was one filled with alcohol and drugs and and a variety of things that go along with that And and I didn't want that life anymore I I didn't get to the point of sophistication where I was saying well, you know god's grace He allows me to still do still do these things if you know if I if i'm a little depressed God's grace allows me to drink if i'm a little lonely. He allows me to sleep around I didn't have that mentality. We didn't have it because we were saved out of the sewage And and yet what is going to keep us going strong? What's going to keep us going strong just going to bible studies and taking notes I needed something that that would amplify what I was learning from the word of god And that was the experience of the power of god in my life And and if you were to ask me you're not but i'm going to tell you anyway If you were to ask me what is missing in a lot of believers lives and and and I guess I I guess i'm at that point Where I can say this with some authority. I've been walking with the lord almost 42 years. I've been ministering for 39 So maybe I know what i'm talking about in this. I will tell you what it is People are walking in the flesh when they think they're walking in the spirit They're not walking in the spirit They're yielding to temptations of the carnality of their flesh and blaming god for it What god wants to do Is he wants to pour water on you like your dry ground So that you can just drink it in and he wants to do that with the holy spirit What has kept me Solid with jesus all these years the answer is the baptism of the holy spirit And love of the word of god and fellowship with fellow believers who love jesus and encourage my life But I need the power of the spirit of god because like he said I will pour water on him who is thirsty And I'm thirsty And I want the spirit in my life. I hope you do too. I hope you do too I think that we we can get caught up saying well, you know, it's just my flesh and I'm so weak and and we can make excuses But I can do all things through christ who strengthens me I can Forsake those old ways. I can be victorious.   I was I had a friend of mine who was driving down the street.   And I said, I don't know what you're so upset about we're just having a good time You could have fallen off that car and gotten run over, but I didn't Here I am What are you and that's the way I thought I didn't you know, I didn't think I didn't think about anything like that I didn't think anything about taking five breads and drinking almost a half gallon of wine I didn't think of those things. I didn't worry about those things. Who cares Life is short.  Let them know. How are you going to be a witness? The power of the holy spirit The power of the holy spirit Jesus said you will be witnesses to view after that you have received this holy spirit this promise of the father We really need the work of the holy spirit When he speaks concerning power and said you shall receive power The word power in the original language as you all know is the word dunamis It's it's the root word in the greek for the word dynamic It's also the word that is used for dynamite We don't want to run around just blowing everything up So we want to be dynamic and the holy spirit produces a dynamism in us a power in us a strength in us As he comes upon us Somebody says I want this holy spirit baptism, how does that work? well when I uh first got saved I went to Little pentecostal church in long beach and um there was a Revival going on the church didn't seat more than 150 people very small little building there And they had an evangelist He had I've said this many of you have heard this before but he had a set of drums right at the platform right at the base of the platform And uh, you know, he's kind of a husky guy. It looks like he came from a kind of a rowdy background He had a big old pompadour. I still remember this guy and he would be shouting in the microphone and then he would Start playing the drums Then he'd get back on the stage and shout some more. I'm a brand new christian. I'm thinking this is normal Remember I was crazy. This is normal Before you know it we're marching around the church behind a church flag Singing songs. I mean it was you know It was crazy, but that's what we were doing And then then he says if you want the holy spirit Just to overwhelm your life Come and kneel here at at the altar and and tarry until the spirit comes upon you And so I wanted what god could do in my life. I wanted more of god I was a new christian. I was a couple weeks old three weeks old lord And I went and out there At the rail. I still remember doing that And he was shouting and people were yelling and they were crying and grabbing hold of the doorposts and shaking It was just an amazingly out of order meeting And and I'm kneeling there and I knelt there for 45 minutes begging and crying and pleading And I've got these other guys kind of like sitting on their heels, but see I was raised a catholic So I could kneel out kneel any protestant any day of the week So I was just kneeling there and I stayed all kneeling like that. I still remember that Jesus come upon me. Jesus come upon me. Please Jesus come upon me. I need you. Oh god. I need you. I was begging. I was pleading I was shouting with everybody else And then the evangelist says now everybody get up and give a testimony And I'm standing in line and and I'm thinking nothing happened Like nothing happened How can I disappoint these people? I'd like to lie, but I'm a christian. I can't lie I'm in church. Nothing. What god give me wisdom. I don't know what to say nothing happened And people would come behind that mic and say things and need you to look out at the people and they'd all kind of Smile and then it was my turn. I'll never forget this I'm standing here. I come and I look out at them and they're looking back at me and I say I really can't put into words What I just went through that was true And the people looked back at me and nodded their head like yeah, nothing happened to me either. You know, it's one of those moments, you know But I thought that's how it works. I thought You're supposed to plead. You're supposed to cry. You're supposed to beg. You're supposed to make promises You're supposed to tarry your Jesus said this in luke chapter 11 Verses 11 through 13 if a son asks for bread from any father among you, will he give him a stone? If he asks for a fish Will he give him a serpent instead of a fish? Or if he asks for an egg will he offer him a scorpion? If you then being evil Know how to give good gifts to your children How much more will your heavenly father give the holy spirit to those who? Ask him I don't have to beg. I don't have to plead. I don't have to cry. I don't have to tarry But I do have to ask Lord for your glory Not so I can be known And not so I can have some spiritual experience to boast about But for your glory Because I want to be your witness Would you fill me with your holy spirit? Would you fill me you have promised that you would? Would you be good to your word to me? You see in acts 532 We read we are his witnesses to these things And so also is the holy spirit whom god has given to those who obey him Lord it is my desire to take you at your word and to obey you And to receive your promises What is missing in many lives today? And I say this again Is the power of the spirit I think that many people have substituted bible knowledge Being able to quote scriptures and speak about certain things with Certainty, but they're still dry in their lives They're still dry There's still something that's missing within them. What is it?  That's what I want not buildings filled with people but people filled with God That's really what I want So when we have heaven is here is to give people an opportunity to hear about the glorious work of jesus christ when we had our You know last week event it wasn't all about us unfortunately one of the The people who were serving that night ministering that night said this is all about you and it's and and and we're here for you No, it's not I am the host and that's the guest and i'm not going to get up and embarrass the guest But let me say it openly to you it isn't about us It's about him and when I was looking at that banner and it says You know the event on it. I was looking above That banner which says we would see jesus because that's really what this ministry is all about I hope you understand and know that Because sometimes people will think all pastor just wants to fill the place. No, I don't I don't just want to fill the place. I want to fill the people I want them to have the spirit of God so they can leave walking in his steps So they can have an influence in their families and schools and neighborhoods and job sites So it's all about him. It always has been all about him. It's not about filling pews What I want is to walk in the power of the spirit of god What has kept me solid with christ for these years? The power of the holy spirit has he always had freedom to work in my life? No, I have quenched him grieved him many many times And I think that it's a natural habit of the natural man to do so But there's a longing for all of him To have all of me And jesus said it you shall receive power After that the holy spirit has come upon you If your christian life is boring It's not god who's boring There's something wrong with you There's something wrong with you and I'm not saying that as one who's like so perfect. I'm only half perfect No, mostly perfect. No, I'm just speaking with experience I'm just speaking from experience When have I become dry? Is it because he made me dry? No, he said I will pour my spirit upon you So was it his fault that I'm dry? It's my fault because I'm quenching the spirit. I'm clogging the the the The line that god wants to be pouring his his his works into my life And so that's why to me this is a very important subject because I want you all to walk out tonight saying I want more of jesus christ I want more of him because that is what's going to give you the strength to live for the lord and to serve him So we are intended by the lord to represent him on the earth So when he pours his holy spirit upon us and we receive by faith That's holy spirit experience and by the way, I should say this too Um, there are some people who think that it when the holy spirit comes upon them that they're going to have You know, holy ghost goose bumps. There's going to be some kind of electrical thing that goes on You know, and then they'll run around or whatever, you know I've been around that so have you perhaps I've been around that There's a group of people called holy rollers. You've heard the term holy rollers. How many have you heard the term? Am I speak to anybody? You know, it's okay. How many of you seen have seen holy rollers.    I don't I don't get it because Jesus is normal. He's normal We're not And so when the holy spirit works upon us, sometimes we may attribute to him weirdness when in reality He's trying to take that out of us. Come out foul spirit of weirdness, you know I'm I should be serious, but sometimes I make myself laugh and then I get carried away and that's it Let's get serious again. I I really do want you to be filled with the holy spirit And if you haven't been tonight's tonight But I will tell you this as we go back to 1st Corinthians. I'll show you a couple things here chapter 12 In order for me to be exercising these gifts The holy spirits working in my life and the gifts of the spirit are going to be connected and so With the power will come to bestowing of spirituals or spiritual spiritual gifts and and he begins to speak about that in verse four Of 1st Corinthians chapter 12. He says there are diversities of gifts, but the same spirit There are differences of ministries, but the same lord There are diversities of activities, but it's the same god who works all in all So he begins to speak concerning the diversities of gifts Notice how he said it. There are diversities of gifts But the same spirit diversity speaks of a distinction arising from a different distribution To different people in other words, there are various gifts that god gives Because the body of christ is made up of many members and therefore god gifts each member in an individual way And and and you'll see this a little clearer in just a moment But there are various kinds of gifts that are necessary for the body to function and in this particular passage He actually lists nine spiritual gifts Now this isn't the only place in scripture that you see gifts of the spirit mentioned But this is this is a portion of scripture that he takes time to give to them an explanation concerning nine of those gifts And so one he says there are diversities of gifts, but the same spirit verse five There are differences of ministries, but the same lord There's a variety of applications of the gift of the spirit differences of ministries So when god is moving through the spiritual gifts, the body of christ is enabled to function in a healthy fashion Right now there are gifts of the spirit being in operation as as i'm doing what i'm doing But there are sunday school ministers who are teaching also and there's worship that takes place There's a variety of gifts that are at play in any time the church is together And so there are differences of ministries But he goes on to say in verse six there are diversities of activities Now the diversities of activities Speaks of the effect of the operation of the gifts of the spirit now All of the effects are produced by the power of god But they can be they can be exercised Through different people in a different way God is sovereignly controlling what is occurring through his gifts And he works differently in each one of us for example Uh, we saw this yesterday And you see this all the time when the church gets together You can have people who are exercising the same basic gifts And so we have a men's conference. There are 12 speakers each one of them is there to teach But all of us are different in the way that we teach You have pastor chuck smith who comes up And when chuck teaches he teaches in a certain way he's teaching the word of god But he teaches in a certain way You get poncho who comes up he's teaching But he is his personality is different than chuck his illustrations will be different Things that he sees in the passage that are biblically solid and are there Will be presented differently because that's how poncho teaches You see that with every teacher And so somebody may say I have the gift of teaching But that doesn't mean that it will be identical You know john mccarthur is a teacher Chuck swindall is a teacher david jeremiah is a teacher chuck smith is a teacher Raul Reese is a teacher. We're all teachers, but we have different ways that we teach That's all part of the gifts of the holy spirit Because the body of christ is is made up of various components And so one of the worst things that I could fall prey to and you could fall prey to Is thinking that if i'm going to be a teacher of the word then I have to teach Like that person up there is teaching right now, and that's not true at all Nobody can teach like john corsen except john corsen You know, he's got a unique ministry So for me to try to become a john corsen Would just not be true to the gifting that god gave to me When I do pastors classes, I'll I'll tell the young men who want to be pastors Never use me as your example You you shouldn't use me as your example you by the grace of god have a gift that is unique to yourself So use your gifts the way that your gifts operate and don't try to become somebody else Because have you ever wanted to be somebody else? If you have have you ever stopped to think that if you were identical to somebody else then one of you isn't necessary So we need both of you We need we need what god is doing in you and you teach this way and you see this in the passage is biblically solid You've rightly divided the word the application comes from your heart But that's how it works in the gifts of the spirit. What you do is you seek the lord You see when When our church first began I had already been teaching i've been teaching the word For eight years when this church began. I already had developed my own style But when we began and called ourselves calvary chapel I started thinking oh, what am I supposed to teach like? Should I try to teach like pastor chuck? And I thought No, there's only one pastor chuck Should I try to teach like greg lorry? No There's only one greg lorry Should I try to teach like raw? God forbid That I should do such a thing It's neat. No The lord said you are by the grace of god who you are Teach like yourself And that's how it works And so the ministry the activities of the spirit work differently in each individual But I want you to notice verse seven where it says the manifestation of the spirit is given to each one notice for the profit of all To bear or bring together to help for the benefit of others not ourselves alone is what the word profit means Which is another way of paul saying there are absolutely no superstars in the body of christ Because the gift of the holy spirit and the gifting of the holy spirit the gifts of the spirit are intended to build up the body And not to elevate people to superstardom They are not intended to draw attention to the one exercising the gifts at all But when the holy spirit is in operation He is drawing people to jesus christ John 15 26 says when the comforter is come whom I will send unto you from the father Even the spirit of truth who proceeds from the father He shall testify of me Whenever you see the gifts of the holy spirit in operation and you might be in a place where the gifts are really Manifest and they're very welcome and And um You may see somebody who Seems to have a certain spiritual gift and you can actually become enamored by that person And begin to want to be like that person to speak like that person to act like that person And you might even go to that person for all kinds of advice and Direction because you think that god is moving especially in that person And and god's word would say the opposite He says the manifestation of the spirit is given to each one for the profit of all It is never just to lift one person up And then he begins to give this partial list of spiritual gifts I'll give you two basically and and that's it's really time for me to stop Um, let me ask the pastor what he thinks you think you should stop. No, it's okay. All right Word of wisdom word of knowledge I'll just touch on these things Word of wisdom What is a word of wisdom a word of wisdom is an insight that comes directly from god It's an insight that comes directly from god Jesus exercised words of wisdom quite often. I mean, there are so many examples You can see one time when they approached the lord Jesus christ and they said to him the baptism of john Was it from men or was it of god? And he remember what the lord did at that point. He exercised this wisdom He said bring a coin to me and whose superscription and image is this on the coin Well, that's scissors Well, then render unto Caesar the things that are Caesar and unto god the things that belong to god That was wisdom that he used because as he did that They didn't have a word to say about it And so he'll give you that supernatural wisdom in different different experiences John's baptism was it from uh, from from heaven or was it from men? Well, jesus has a word of wisdom Well, he says well, you tell me something and as he's speaking concerning john's baptism They began to debate amongst themselves listen if we say that that john's baptism was from god He's going to ask us why didn't you believe him if we say it's from men Well, we fear the people because they all perceive john to be a prophet And so they turn to jesus and they say well, we won't answer you And jesus says at that time neither will i answer you Or or paul is there before the council and And he had been preaching people were upset at his preaching and as he's standing there It's he's about to be tried and and and they want to do him great harm and so The scripture says that he perceiving that there was a large portion of people there who were Pharisees And there was a large portion who were Sadducees And knowing that the Sadducees don't believe in spirits and they don't believe in heaven and things of that nature He's in the resurrection He says men and brethren i'm a Pharisee the son of a Pharisee And it's the question of the resurrection that has brought me before you today and what happens They began to argue amongst themselves to the point of distraction The lord gave him the wisdom at that time in order that he might be removed from that situation. So the word of wisdom is When you have a wise answer That you don't necessarily come up with but it's it's one of those things that is given to you at that moment It's not something that is simply originating from outside circumstances. It's something that originates from Within and there are times that you will have that That wise answer to give at that moment The word of knowledge Is not a natural ability to study gain degrees. It's not ordinary knowledge and the ordinary acquisition of that It's not even the ability to study the bible and understand it. That is something that is given to all believers by the holy spirit The word of knowledge refers to a knowledge that is beyond our normal way of finding things out So you have a Samaritan woman approach the lord jesus christ And jesus initiates a conversation with her And as he begins to speak to her he speaks concerning water and if you wanted some water that Means that you'd never have to come and draw water up again You would have asked me and i would have given it to you and she says well then give me this water So i don't have to draw anymore And what is it that jesus says to her go and call your husband Go and call your husband. How did he know that this woman was an immoral woman? Well, there are some obvious cultural things that could have been hints of it. She's there at noon Women didn't go at noon there because it was the heat of the day But the lord was speaking to her heart He had knowledge that this was a woman who was living immorally because she says i have no husband He says well in this you've spoken truly you've had five and the one you're living with right now. It's not your husband It's the word of knowledge Who ratted me out? There's nobody there just this jewish man and this woman. It's a word of knowledge And that happens Jesus is with his disciples. They're in cesarea filipi And as they're seated there Jesus asks the question who do men say that i the son of man am And i'll some say that you're jeremiah elijah john the baptist one of the prophets Who do you say that i am And the apostle peter responds thou art the christ the son of the living god And jesus says blessed are you simon bar jonah for flesh and blood has not revealed this to you but my father in heaven It's knowledge that was a moment of knowledge something. He didn't know that was handed to him at that moment Even he was able to do that Ananias and sapphira in acts chapter five Make an agreement to sell a parcel of land but not deliver up the full price And pretend that they had given it all And so when this takes place The holy spirit reveals that they're lying And and it's even it's even asked why has satan filled your heart to lie to the holy spirit You haven't lied to men, but you've lied to god How did he know that how did he know that they had made an agreement to do that knowledge a supernatural knowledge There are times From a practical experiential level that That the lord has given me knowledge That is supernatural it's from him It's happened in counseling Where i'll say something It can happen in teaching situation where i use an illustration And i've had people come up more than once and say you really shouldn't have said that Because that's what my son's doing right now and he thinks that i told you So next time don't say that I didn't know But it was the lord giving me that at that moment to say this I was in my house many years ago Over 30 about 31 years ago over 31 years because it was a i was an assistant and not even pastoring this church yet And i had a young woman who was seated across the table from me And while we were talking


good morning everybody. I want to show you our system of highways and byways in our backyard here. They're a little dirty right now I apologize the snow is starting to melt. They used to be a lot deeper but I came back here and I made sure that the dogs could get to all areas of our yard all winter. We had one highway going straight through there, one going all the way around the perimeter and then a few going through here like this except like I said it's pretty much all melted. I guess I could get the snow plow out and plow them clear again a little bit. Good morning. It's Saturday. The weather's finally starting to agree with me a little bit more that we should start moving toward summertime. This has been our high-tech highway plow. For you who are those who are new we're in Southern Manitoba in Canada. I live just above Western Minnesota on the north side of the line. This is all I do. Diesel really likes it when I do this. He thinks it's a game. Every day all winter I would do this so it's packed down quite a bit. See these big snowdrifts that we got back here?   He's more of a city dog you know sort of like a low rider pickup truck. Morning. I like your mug over there. Very fancy dog mom. Speaking of which I haven't told the vlog yet. Do you want to tell them the the good news? What's going on with IVF? It begins March 21st. March 21st. I go in for blood work and then about a week later roughly give or take. I go in for blood work and start taking oral medication. Then a week later I go off that oral medication and I start two injections and for I think it's five days I take those two injections and then I go off that one then I start a new injection. Lots of drugs. Lots of drugs. Brittany's gonna be a little bad for a while. We're gonna need a padded room for this girl. Yeah we won't go into all the details I guess cuz a lot of you probably don't want to know all the details of what you've got to go through with this but there's a lot of prescriptions and in the end we might just have a little baby come out of it. Jesus I sure hope so because I'm not going through surgery for nothing. Yeah that's gonna be very uncomfortable. I feel kind of guilty. My part is pretty easy. It's actually kind of enjoyable I mean. I'm just saying my part is all that bad so I'm just trying to be there for her so whenever she's got an appointment I've let work know already whenever she has an appointment I'm gonna be there to drive her in drive her home and there's gonna be a lot of them. So March 21st you start your not the injections right? No your blood work. Yeah and then 28th the injections start. Then the injections start. And then roughly give or take the week of the 4th of April I'll be going into the city like every day or two for an ultrasound to look at my follicles and then it sounds like I'm being harvested like a chicken around the 11 roughly depends on how my body works with medications. Harvested that's the worst part. Makes me feel weird. Egg retrieval. Either way nothing sounds good. So we're hoping to get what 15 to 20 eggs? I'm hoping for 30 or 40 but that might be good. 15 to 20 or so and in the end like they they have to fertilize them and then they turn into what embryos right? Blasto sites. Blasto sites. Fancy words. I'm not a scientist. Yeah and then we're hoping to end off with like five to ten in total but most people don't get that many from what I hear so we'll see. Thankfully I'm not quite at the geriatric pregnancy stage but once you're 32 things start going real quick in you so warn your daughters freeze your eggs. I'm not kidding do it. You heard it right here. Don't wait till later in life to have a family. Freeze your eggs if you plan on doing that. This is the information you signed up for right here on Trucker Josh Vlogs you heard it here first. Infertility is a thing everyone I talk to now I'm trying to like break the stigma of talking about this you know everyone wants to be all hush hush about it. No I talked to everybody about it and everyone I've talked to pretty much like at least 90% of people know at least one person in their family or a close friend or somebody. Yeah pretty much everybody. I didn't know there was a stigma. I'm a vlogger I just talk about everything. Yeah. I don't care. There's no stigma to me. So what the doctor has said there's nothing wrong with either one of us that they can find. There's nothing to be embarrassed about. This is something that a lot of people go through. A lot of couples are going through. There's a lot that we know. Well not no personally but no of. I know personally some people that are going through it. That's true you do don't you at work. Yeah. But yeah if people get very uncomfortable when I talk about my uterus but buckle up. Yeah I don't hold back. All the new subscribers right now are like what did I just click on. I thought this was gonna be trucking. There's a lot more go read the description down below my videos it's not just trucking it's Saturday we have other things going on in our life besides that but that is what I'm usually doing. But the transfer or the implantation would probably happen end of April right? No. May. May mid to end May. They freeze your embryos and then your body needs to go through a full cycle so like you know 28 to like 35 days so that your body can kind of reset or recover from the egg retrieval. Okay so let's say the implantation works in May to June July August October November December 10 February. It'd be about mid May and then February or March so around this time next year. Maybe if it all works out first try. Anyways with all of that out of the way so you're all up to date now and what's going on we're very excited that means that the ball is officially rolling and it's go time. It's go time and our bank accounts will be drained shortly. Very quickly. If you're wondering if you're getting into this and you're wondering how much IVF costs in Manitoba it's different in every province. Here it costs well we can let you know once we're done but we've been told between like 16,000 and $20,000 and they've told us that the prices are actually going up this April as well but they didn't tell us how much of course they didn't they just said they're going up because everything is going up. Nothing like taking advantage of desperate people. Yeah. No kidding. It's pretty unethical but it's privatized healthcare so it's greedy. What can we do? Can't do anything. We just gotta go with it. We have no other clinics competing with them. Yeah there's only one clinic in Manitoba but oh well with that aside money's not really the big the big issue it's the the baby it's gonna come out but the money part is important we gotta make sure that we can pay for it and we're all set. We're starting this day off with Vector and snowman coffee. What's going on over there? What's going on over there? Commander did you see that? I saw it. I saw it. He gets one too. You kidding me mama?   Oh yummy. She's your baby chickies. I love chickies. Frank did you like it? No. Yes he did. But I ate it anyways. Very excited for eggs. I should see him at my mom's house when we have sleepover. She cooks them eggs. He goes nuts.  She thinks of them as her real grand babies. No I don't mean that in a bad way. I mean she she literally goes grandma on them. Yep she goes all out. She definitely goes grandma mode. Yeah that's all right they need that because I'm a little I'm a little uh chintzy. Is that the word? See and you actually treat them like dogs from time to time? Yeah I like to remind them that I'm the boss. I don't. I'm mom. Yeah she's my mom. They're my babies. I'm a crazy dog lady and I know it. But I remind them that I'm the boss. I mean that I go and tell them to stay for no apparent reason and then walk to the other side of the house and see if they'll listen to me. They don't. And then they get brought back until they do listen. I'm the boss. I don't care what she says. Right Diesel? I'm the boss right? Nope mom's the boss. Stephanie is the boss. She's right there. She's right there. She's the boss. It's mom. She has some very nice jeans here. Mom you're the boss right? Very nice. Dad doesn't share his food. Mom you got any more eggs? It's one thing I don't do as much. I don't share my food with the dogs. And she shares everything with the dogs which is cool. But then I make. Everything that's healthy Well yeah everything that's healthy yeah. But it makes me jealous because then the dogs act like they love her more. But really I know deep down in their hearts they love me more. Chevy we dropped mom off at work so it's just us now. Just us. Just the boys at home. Where's the rest of them? Hey does anybody care? All days old ways up on your throne. Mom's at work now. Very sad time. She's mean. Guys here now. I miss her so much. Let's see what else we got here. Oh look at these two guys. We've got Frank and Frank. But to make things simpler we've got big Frank and Weiner. How's it going guys? How's it going? He's had a sore eye but it looks like it's pretty much healed up for the most part. I gotta give him an eye drop at 3.30. He's really gonna love it when I do that. You don't need to shake buddy. He doesn't like those eye drops at all. And this is big Frank. He's just a tank. He's got to be like 340 years old and he's still going strong. He's seen some stuff. Fought in the great milk bone wars. Okay and I got new flags. I ordered these four weeks ago. They finally came. I ordered four of them just in case. One second let me put you down over here. Let me show you my haul. I ordered these like I said four weeks ago and these things right here are so hard to come by. At least in my region that everybody sold out and I ordered these on Amazon and they took four weeks to get here. I got four of them just in case. They're the cheap kind too so they would tatter pretty quickly. I mean you got quadruple stitch here but it's still phrasing the wind pretty quickly. Let's just pull the ester. The ones that I like to fly on the flag poles. At our old place we had a flag pole right and our new place when we build them we have a flag pole there too and then I like to have the stitched ones. The really nice ones. They're called vinyl stitched. I'm going to put these all in the dryer with a wet towel or something. Moist towel just to get the creases out of them. Thank you to those of you who on my Facebook told me how to do that about a month ago too. It works. I got four of these guys. We're set for at least a little while. Look at that. Right there. Right there. Yep. Okay so I'm going to put these in the dryer and get the creases out of them and I hang one in my shop. Might hang one outside the shop too. Might put a little flag pole if they're going to figure out a way to do that without damaging anything. We'll see. Now when you look at that it's the same one. Whoa wrong way. Do not fly your flag that way. Bugs me. There you go. Right side up all the time. This flag right here represents us the Canadian people. Doesn't represent any politicians. It doesn't represent anything but the people. The people are always strong. Always fly it right side up. Okay come with me. Come with me. Throw them in the dryer. So in the United States next door they pledge allegiance to their flag. We don't do that in Canada. We don't pledge allegiance to our this is just a symbol of the people. To us it is very important but we don't pledge allegiance to the cloth. We would pledge allegiance to the community us the people and this is this just when you're going around the world this is just the symbol. This is our family symbol. It's like a family crest. This is ours. Of course there's stuff in there. There's always stuff in there. Much more important things to put in here right now guys. Much more important. Okay we're gonna put it on low heat. I'm gonna just get a towel. Throw a moist towel in there with it and put it in there for like 15, 10, 15 minutes. That'll get rid of all those creases then we can hang one in the shop. Hey oh yeah let's put up one of these fancy bounce sheets in here. I'm all about the bounce sheets. That way they smell nice. Not only does it look beautiful flying in the sky it's also important that it smells nice. You never know you want to create a good impression for the birds or anyone else up there. And then these things here one second these things here that we're in the dryer these are our couch covers. They're the spare couch covers for on here because we have dogs and dogs belong on the couch. We have couch covers that cover our coaches and that way we can just switch these things out whenever they need it. This one's gonna need it soon and good thing we've got clean ones right here and then those ones are going to wash right Chevy? And then you can have your spot there whenever you want. That's the Chevy spot. It says look out he looks out the window from there and he barks at needless things to bark at. Right Chevy? We're working on that right? We're working on it? No you're working on it. I'm not working on it. I don't need to work on anything. Maybe you should work on it too. No you need to stop barking at every little snowflake that blows past the window. Okay? Yeah we're working on it. It's so hard. And these go in the room here and this is my little work area here. I'm gonna be moving most of this work area to the shop soon. As you can tell we have a very small house. I need somewhat of work area in here so for now until this needs to be a baby nursery uh this will be my little office space but once the baby comes along uh I'm gonna need to convert this into a nursery. All right that was my my promise to the wife and my promise to myself. This is uh we want to make this into a nice little space for the kid for for the kid for our kid for the kid for our kid words matter. Okay so uh that's this is another reason we needed the shop right because uh we got stuff all over the place weasels and stuff we need a place to store all our weasels. Right Diesel? You okay bud? I don't really want to be on camera with today man. I didn't do my hair. Stop it. Didn't do my hair man. Not really want to be on the vlog today.  Everybody wants to see you. They love you. Whoa of course they do. Look at me. Fair point. Yeah there's this room and then like I've shown you it's not the neatest home but it's the average home I think you could relate. Right we're not perfect. This is the dog bedding here. We have the dog beds for the big guys at night here but they like to mess it all up all the time.  He likes to sleep under a blanket under the covers at night and then they get to sleep on the glorious beards of duck dynasty. It provides extra softness and comfort for them sleeping on the beards. And we have this sheet on the bed here. We have our blankets underneath but this is because our dogs are our family and yes they are allowed on the bed as long as their feet are dry and not wet. That's why we put this sheet over our bedding so that they can come up here and then again you just change the sheet. It doesn't get the bedding dirty. And again we don't have a space to dry our clothes because we dry them all in the drying rack here so we have to dry them in our dining room. Right Chevy? It's a little bit small but Dad says wait wait I want to say come here dad on the other side of the jeans. Here he says he's building a brand new house that's going to be way bigger. Lots more space and plus he's got a big fancy shop now where he's going to take all his junk. That's what Mom told me. You call myself junk Chevy? No, Mom does. Oh boy. You getting bored? Do we need to go out and play? Is that a Chevy's favorite thing to do? Are you? What's going on out here mate? What's going on? Hello? Hello, we talking about Dad's junk? You know all the stuff I've got to move over to the shop diesel. Got to move a bunch of the stuff in there so we have space to live in here, right? Living tight on a budget within our means so that we have room in our budget to save for our bigger house that we're going to build in a couple of years. Yes, it's going to be great that we have my own room. My own room too.  You'll have your own personal access to the outdoors. I really should share with you one of these days the plans. We have our blueprints built out already. It's going to be a custom home that we designed ourselves. The dogs do have a special room of their own where they'll be able to stay in when we're not at the house so that they're not like ripping all over the house. They have a nice big room which is probably going to be about the size of well this half of the house here. It's going to be their own room. They're going to have their own exits into a nice protected outdoor area where they can go outside even if we're not home and do their business and stuff.  It'll be facing the back into the bush so that they're not distracted by passing cars or anything else that'll make them bark. We don't want them to bark while they're out there and we'll have a little obviously they have cameras in there too and a little uh uh voice like uh you know some of those cameras that you have is a security camera in their outdoor area and then you can talk to them wirelessly so that if they're being bad you can be like hey smart enough go inside they'll freak them out because they won't know where the voice is coming from but we'll at least have that and that'll be so that when we're at home we can we can go out like we're not going to go out overnight but we can go out for like a late dinner in the city or something and stay gone for like 12 hours right now we can't do that the longest we leave these guys we can leave these guys alone is like six to eight hours and that's already pushing it uh so we want to be able to go out for longer periods of time and that way they can let themselves out and stuff because these guys they get lots of lots of time to run around in our yard here too but uh we have to be here to watch them I don't want them barking at the neighbors disturbing the neighborhood I don't want to have animal control or something show up being like hey your dogs are too noisy make them stop I just want to avoid that whole situation so we're very careful and very strict with our dogs outside that they're not allowed to bark so we can't just let them you know roam around the yard when we're not here and start barking and then we're not here to stop it that's I find that to be very annoying and rude when other neighbors do that we don't have any neighbors like that here but when people do just let their dogs bark non-stop outside and don't do anything about it I had a neighbor like that where I used to live uh two houses ago that's one of the reasons we moved because the neighbor down the road just leave their dogs outside in their offensive area all day while they went to work all day and they wouldn't stop barking non-stop the entire time I don't want to be that neighbor we love our dogs a lot they're our family and our children they belong in the house with us and uh they get plenty of time to run around plus we have a dog park like right around the corner we love taking them there they rip around with all the neighborhood dogs in there they love that all right now which one of you is going to do the editing for me today diesel you make Chevy do a thing that's a very big truck wow it's kind of is very nice look a flag wow what is this place Chevy you've been here before this is my shop oh yeah there's some new stuff in here it smells like cleaners that's a bull snot wow very nice now that brits off work we're gonna go out and eat because we haven't gone out to eat in so long well we went a few weeks ago with freaking Sabrina but we haven't been to big smoke in a while that's true this is big smoke it's like the best restaurant in town you can smell it already oh you smell that oh let's remember walkway yep


They're double holding it Long with two ops, bro It's so f**king weird Why would she do that? Why would Sage wall that? I'm planning, I'm planning Oh, you got bomb? Yeah, TP on site Nice shot, nice shot Cybers mid, Cybers mid here How does he know, bro? What's up, what's up? Shorts on top of the new box I'm TP'ing after my ult though She's close, she's close I'm body blocking She's right on top of me, she's right on top of me What the f**k Yeah, she's serious I can pick TP Nice job guys What the f**k We got two here, two here, two here One scratch, or market, market, CT And on site One more CT, one more CT for sure, for sure He's peeking, peeking, peeking, nice Alright, those are their apliers One's on switch, one's main Watching B back site Watch your flank here, watch your flank here He's on B, he's on B, he's on B, he's on B I don't have your angle though, just don't explain yourself I'ma down the sky chat Three, two, one Three, two, one


Personal finance, Excel, practice, problem, comprehensive problem, part number one, home financing. Get ready to get financially fit by practicing personal finance. Here we are in our Excel worksheet. If you don't have access to the Excel worksheet, that's okay because we'll basically build this from a blank sheet. If you do have access, there's three tabs down below. An example tab, a practice tab, and a blank tab. The example tab in essence being an answer key. Let's take a look at it now. We've got the information on the left-hand side. We're gonna use that to do a couple calculations on the right-hand side. One, we're gonna look at the home purchase. We're gonna build the amortization table. We're gonna be building the year-by-year breakout, summarizing the amortization table. We're gonna construct our balance sheet which shows where we stand as of a certain point in time. We're gonna construct the income statement. These two financial statements are gonna rely in part on the home information that we calculated and the amortization table and the summary amortization table. We'll calculate the income statement a couple different ways just so we can see kind of a cash flow method on the income statement and more of an accrual method and discuss a little bit of the pros and cons between those two with regards to our personal income statements and then we'll put together an estimate for the property insurance that we might be needing. So I'm gonna go back to the left-hand side. We're gonna start off with the first component here on the home. So we got the practice tab. That's gonna have some pre-formatted cells on the right-hand side so you could spend less time formatting the Excel worksheet and just working through the practice problem. The third tab is gonna be the blank tab where we're gonna be focusing on some of that Excel worksheet information. It's a little bit more stuff on the left-hand side that you would have to populate. So we got a lot of data over here but you can certainly populate this data on the left-hand side and think of it more as a kind of a budget kind of tool or practice tool within Excel. Have your data on the left. We're gonna use that data to be building our tables on the right-hand side. So if you don't have this sheet, what I would do is you'd open up a blank sheet, I'd select the entire sheet, put my base formatting which would be right-click and we're going to format the cells. I would go to currency, brackets, get rid of the dollar sign, no decimals, that's my starting point at least, closing this back out. Then put all the data on the left-hand side which basically includes kind of our financial data here so there's quite a bit of it this time because it's more of a comprehensive problem. But you could put this data over here reformatting the cells to percentages where needed and then we're gonna make a skinny C column and then we're good to go. We're gonna take that data and we're gonna start off with our loan calculation. So what we got here just a summary, we've got basically our balance sheet type of information. This is stuff that in practice, you might gather together or you might use some kind of software to help you to gather this stuff together which we might talk about more in future presentations but note you might do bookkeeping with like a QuickBooks software or wave accounting or something like that and we've got the checking account, the savings account, the emergency savings. We also could use other software that would compile this data in terms of the ending balance. It wouldn't really track the entering of the data but it can compile the ending balance from financial institutions like banks or like other financial institutions like an E-Trade or something that might have an IRA in it. It won't have the car on it because if you put use software, it's not gonna be able to know the value of the car because it's not being tracked by the financial institution. So you'd have to manually put in, manually put in the value of the car that depreciates over time. I might discuss that more but we've got the car value on theirs for the two cars. We've got the liabilities, which would be the loans and these are also things that sometimes the financial software can kind of pick up because they're coming from financial institutions. We'll talk about that more later. We've got the income. We're assuming that we have W2 income for two individuals or one person that has two W2 incomes and so we've got the gross amount and the net amount we'll have to deal with. We've got the expenses that we have listed out. Obviously the income statement is something that you might use the software like a QuickBooks or an accounting software, Wave or something like that. We might talk about that more in the future. You could try to use bank feeds to construct this stuff or you might just kind of build it together from a budgetary standpoint. We've got the home purchase information. We're gonna say the home price was the 306. This is where we're going to start now. The rate was the 5%, years 30, down payment. It's gonna be 20%. And then the current value of the home we're gonna say is at the 125. So it's going up since the purchase time. The estimated value of appliances, furniture, clothing and household items, 21,000 jewelry valued at the 2,000. So that's what we have now. I'm gonna focus here. I'm gonna put my cursor on these items. I'm gonna right click and make that. Let's make it green to focus our eyeballs on it as we go through the calculations. So we're gonna do our standard kind of loan calculation. I wanna get the amortization table and I wanna break the amortization table out by year because that will help me with some of my calculations and putting together the financial statements. So we did this in a prior section. Let's just redo the calculation. You might get an amortization table from the loan provider. You can look up online for the amortization tables. But if you could put that data into your worksheet, it could be a useful tool to help you with your financials and your budgeting stuff. So let's do that again. I'm gonna say this is the loan payment. The loan payment calculation. I'm gonna select these two items.  We're gonna do our formatting for a header, thought group, we'll make that black and white, black and white. And so this is gonna be the home price. So I'm gonna say home price, price. And this is gonna be equal to, and if the home was priced down here at the 306,200, there is that. We're gonna say the down payment. The down payment. That payment's down is 20%. Down payment percent is gonna be equal to, I'm drawing all this information from the data to the left so that you can change the data to the left and it'll change the rest of your information. That needs to be a percent. Now, so I'm gonna go to the home tab, numbers, percent to a fiat. I'm gonna underline it, font group, underline a fiat. And then we're gonna say this is gonna be the down payment. Then it's gonna be equal to the 306,200 times the 20%. So if we're putting 61,240 down, then we're gonna have to finance, or the loan amount at the start is gonna be the difference. It's gonna be equal to the 306,200 minus the 61,2. That's gonna be the 244,960. Now we'll do our payment calculation. This is something if we had already set up the loan, we'd probably have the payment information. But let's do that calculation for the payment. If I have this information up top, we could do the standard payment calculation. If we were trying to estimate this, we're gonna say negative PMT brackets. And this is gonna be the rate, the rate which is going to be, I'm gonna scroll down and pick that up down here. That's gonna be the 5%, comma, actually not comma, hold on a sec, there's the 5%, I'm gonna say that divided by 12 because that's a yearly rate and we need a monthly rate. And then comma, the number of periods is gonna be 30. I'm gonna pick that from my data down here again, 30. And then comma, and then the next one is gonna be the present value, not the home value, but the loan value. So there is that, closing up the brackets and enter. So we've got this amount. Now I messed up, hold on a second, you might be saying, what did you do?  See this second item here for the periods, I kept the 30, it should be 30 times 12, 30 times 12. And so there we should have it. There's the 1315, it's rounded because I took the pennies out. Now we can also do that online or double check it online. So I might go into an online tool, I'm not trying to promote this particular one but you can search for Google search and online tool for the loan calculator. I'm gonna say it was the loan amount is the 244960, so I'm gonna say that loan amount is the 244960, 30 years, it was 5% we said and just do the calculation. So there's the 1315, that's the same calculation we got to here, so we kinda double check our numbers. We can also create the amortization table here, which is great, but I can't really pull any information from this when we try to move that for other calculations for budgets or for the calculations of our income statement depending on how we're gonna do that. So I'm gonna select this one, I'm gonna make it blue and bordered. Let's put some borders around it, let's make it blue and we're gonna make our amortization table now as we've seen in the past. I'll do it fairly quickly because we've seen this in the prior section. I'm gonna put my cursor up top and we're gonna make this skinny item here, the skinny row, home tab, format, paint it and I'm just gonna put that over here on column F. Now we're gonna use this amortization table later so I wanna make the amortization table, I wanna make it broken out by year so I can use that for our financial statements which you could also use in a similar way as a budgeting format, so we'll try to tie this out then in a way that could be useful which is why I think it would be useful to do it in Excel. So I'm gonna say this is gonna be years, I'm basically copying this amortization table so it looks something similar to this, right? I'm gonna put the years included though instead of just the months so I can convert it to a year by year breakout. So then we got the months because it's gonna be in the format of months by month and then we got the payment and then we've got the interest and then we've got the loan or you might say the principal decrease, decrease and then, is that what they call it over here? Let's see what they call it just for the, they call it principal and then the Indian balance. So I'm gonna say loan decrease and so this is gonna be the loan balance so the Indian principal balance, there we go. These three, I'm gonna pull them down, notice I didn't use the wrap text here, I basically put them on two different lines because I don't want a fat one line here, I wanna keep it skinny but if I needed to make a table from it you can see that kind of causes the problem so we will make a pivot table from this so you can see that but if I'm not making a table, I'm gonna pull these down right there, I think using the two cells is good and then you can kind of hide the fact that there's two cells without making a fat one that messes everything else up, that'll mess everything else up, you gotta think about everyone else, all the other cells that are involved with this thing not just be selfish with the cell, so in any case, this is gonna be the alignment and center and this is gonna be the font group, we're gonna make this black and white and then I'm gonna make the years go down a bit, I'm gonna start with the months because we're doing this in months so I'm just gonna say zero, one, two, 30 year loan times 12, 360, 30 times 12 is 360 so I'm gonna take one, two and then I'm gonna buckle my shoe and then I'm gonna grab the fill handle right there and I'm gonna drag that down now that I got my shoe buckled, I can make that journey, I can make that journey all the way down to 360 and my shoe didn't fall off at all because I buckled it at two and so we're gonna say this is gonna be home, alignment and we'll center that and then I'm gonna do the years so I'm gonna put the years here so I can make this into a year by year calculation with a tricky formula, let's put it down here first, this will be the roundup, roundup formula, roundup little doggies, so we're gonna say roundups because we're gonna round the number up so I'm gonna take this number, I'm gonna divide it by 12 because there's 12 months in a year and then I'm gonna say comma so that should, this number will come up to something between one, zero and one which I round up to a whole number which you gotta put a point O one that tells it to round up to the whole unit so I'm gonna close that up and say enter I kinda double check it by adding some decimals and say yeah, round it up to a whole number and then I can put my cursor on it, I can double click on the fill handle which I just call a fill button at that point and it should copy it down. Let's center it here, we're gonna center it, I'm gonna pull it up too, I'm gonna put my cursor on the fill handle and drag it up just to put a zero up top so that's gonna be zero and now if I go all the way down, it gives me the years, so it gives me 12, 13s, 12, 14s, 12, 16s and if I go all the way down we should end up off the 30 years, there we go. Okay, so then, then what we'll do is I'll go to the loan balance to start things off and then we're gonna start off the loan at that 244.960 and then we'll do our payments which we calculated right here, that's gonna be the same all the way down so this is gonna be equal to the 1315, I'm gonna select F4 and the keyboard making an absolute dollar sign before the E and the six, you only need a mixed reference but an absolute one works. The interest is gonna be equal to the 244.960 times the rate which is not that 20%, it's way over here in our dataset, it's the 5% but that's the yearly rate so I'm gonna divide it by 12, divided by 12 so it's gonna be this number times the 5% divided by 12 now this 5% is outside of our table and therefore we want it not to move down when I pull it down so I'm gonna say F4 and the keyboard you only need a mixed reference but an absolute one works, dollar sign before the B and the 32 and enter the loan decrease then it's gonna be equal to the payment minus the interest and then the loan balance if this is the payment and this is went to interest means it poofs away in a puff of smoke because it's the rent on the purchasing power of the money the loan's only gonna be decreased by the 9 to 294 so that's gonna be the prior loan balance minus that 294 so there we have it now I know I don't need any absolute references there because these two are both inside the table I'm working on so that's good, they're good to go I want them to move down as I copy down so I'm gonna select those four and I can just double click the fill handle which is really a fill button at this point double click the fill button and then we're gonna scroll down and you can see there's a change of course between the interest and principle that's what's gonna kinda mess us up with our accounting when we put together our financial statements and it'll talk a bit about how that kinda messes us up and we record it and what to deal with that and how to think about that a bit I'm gonna select this whole thing and make it blue and bordered now select this whole thing and make it border blue border blue, thought group, border and blue looks excellent okay so we can check that to the online tool here and say does that line up I can check up a couple lines and say I'm at the end of year one I should be at the 241, 345 for example end of year one, 241, 346 about looks good now I'm gonna take this I'm gonna break it out on a year by year basis doing it two ways one with formulas, the second with a pivot table because that's what I'm gonna use to do my financial statements and whatnot I need a skinny M column to do this so I'm gonna put my cursor in the skinny F and go to the home tab clipboard format paint and make that skinny M, same skinny size and then I'm gonna take the headers up top just gonna copy those headers, control C, put that in N and there it is I don't need the months though cause we're not talking months this time so I'm gonna put my cursor on column O right click and I'm just gonna delete the whole thing and I'll make the years a bit more skinny skinnerizing them, they've been skinnerized and then we're gonna say this is going to be one, we'll say one, two, three I'm gonna take those three and I'm just gonna put my cursor on the fill handle and drag it down not too far this time just going down to 30 we're not going all the way down I didn't even buckle my shoes this time cause we're just going down to 30, do that barefoot you can do that barefoot so I'm gonna go then we're gonna go to the home tab we're gonna go then to the alignment and center it so now I wanna sum up the payments so I can do this I could sum up the payments here so I'm gonna do that calculation with the sum if calculation so I'm gonna say this equals the sum if now you can use either of these I think the sum ifs is more versatile so you might try to get used to using the sum ifs which is just a little bit different format now it has the sum range first so the sum range I wanna sum up everything in this column if there's like a one next to it so I'm gonna say I want this whole column I'm just gonna select the whole column pick it up that whole column and then I'm gonna say and I probably should stop it at the end of the table but this goes down forever so I'm just gonna take the whole column and then comma and then the criteria range is this range meaning I want you to look for a one in that range and if you have a one in that range I want you to include that into some stuff that we're summing and then comma and then the criteria is this one so if you find that one in that range then I want you to sum up the related number in the payment range you got it Excel, you got it and there it is 15 let's do it a couple more times this equals the sum if and then we'll copy the formulas across some ifs I'm gonna use the sum ifs with an S this time the sum range is once again this range so I'm sorry it's this range interest we're looking interest the interest column and then comma and then the criteria range is this range we're saying hey if you find a one in that range then I want you to sum the related interest column related to it comma and there's the one so we're saying that's the criteria if you find that in the criteria range right there I want you to sum up the related number in the sum if function let's do it one more time we're gonna do it over here the sum ifs with an S the sum range this time it's gonna be the loan items and then comma and then we're gonna say the criteria range is still the years and then the comma the criteria is one so if you see that one that's the criteria then you find that in the criteria range over here and you sum up the related number and the loan decrease range and it does it for us now I'd like to be able to copy that across so what I'm gonna do is delete these two and I'm gonna go to this first one again and say can I do some mixed reference stuff so I can just copy it across a little bit more easily the sum range that's gonna be this one I want that to move so I'm not gonna do anything to it the interest item this one is the criteria range I don't want that one to move so I'm gonna say F4 on the keyboard making it absolute and this one is the actual criteria I want it to be able to move down number wise but not to move to the right so I'm gonna put a dollar sign before the N making it mixed make it a mixed reference then I can copy this to the right to get to the same numbers I'm not gonna go to the loan balance cause it's a little different and so there it is and then I'm just gonna select those three and hit the double click on the fill handle or the fill button fill button little bit different calculation for the last one cause I wanna find the ending balance like right there so there's the ending balance so I gotta use the min formula so equals the min if and then we have the ifs min ifs and then the range this is the min range to loan balance and then comma the criteria range I'm sorry the min range and then the criteria range is this one that's right and then comma the criteria is the one so we're saying if you find that one in this range we want you to sum or take the min of the amount over here in this range so we hit okay so it takes the min balance right there at the end of the first year put my cursor on that one I'm gonna double click the fill handle button and then it copies it down we might wanna total this up copy it down total up equals the sum of these items totaling it up total it do you want it totaled I totally want it totaled total it then it should totally be total I'm gonna put some underline some fancy formatting select all this stuff and make that border blue so you might say there's an easier way to do that we could try to pivot table let's do the same thing cause I got a well formatted table over here I can't use the header cause I got these two rows but I could just use this header right there and just copy the whole thing I could do a pivot table and do the whole thing just way easy way easy so I'm gonna select this whole thing and it'll do it one more time and we'll do it pivot table style this time and I'll put that right underneath right here so I'm gonna go insert pivot table insert the pivot table I'm gonna put my cursor on existing worksheet and I wanna put it right there there's where it's gonna go right underneath the other one and okay pivot table so all I gotta do on the pivot table so I'm gonna pull the years down it tries to put them in the sum because it's a number but I wanna put it over here in the rows so it gives me the rows and then I'm not gonna take the months but I just want the payment the interest, the decrease and the balance and there it is it basically does it just right there for us I just need to format it now so I'm gonna hit the dropdowns here you could do this up here you could hit right click on the cell up top and then you wanna go to the pivot table options and hold on a second I'm gonna go to the cell up top and I'm gonna go to the value settings the value settings which you can also do here hitting the dropdown and then go to the value field settings or right click and go to the value field settings it's in the sum area so that's what I want I'm gonna go to the number format now and I'm gonna make them currency, bracketed remove the dollar sign, decimal, down, down and okay and okay I'm gonna do the same thing here I'm gonna right click I'm gonna say I'm not trying to format the cells here but I'm trying to, I wanna do it down here value field settings it's different so the sum is what we want number formatting it's gonna be the currency, brackets, dollar sign, gone, decimal, down, down let's do it again okay, okay right click I'm gonna say value field settings we're gonna say this is going to be the sum that looks good currency, brackets, dollar sign, gone, decimal, down, down okay, okay the last one's a little bit different so I'm gonna right click this one value field settings this time I don't want it to sum I want it to take the men the men and then the number formatting this part's the same currency, brackets, dollar sign, gone, decimal, down, down and okay and okay so you could adjust the labels if you wanted to at this point but I'm gonna leave them as is they also made the cells a little bit fat so we're gonna skinnerize the cell it fattened up the cells we're gonna skinnerize the cells so we're gonna put our cursor from N to R this is how diets should work when you skinnerize your belly they should just select them and then you just drag it like that and before we wrap this up note that we took we left out one last month down here so if I scroll all the way down you'll note we missed the last payment so if I scroll all the way down here we stopped it at $359 so I'm gonna actually add one more payment and so there we have it so that takes it down to zero so if I go back up that will affect this last month down here the last month is now at zero and the pivot table notice didn't refresh automatically so you gotta right click on it and refresh the pivot table and then it'll pick up so I'm gonna go on the pivot table here we're gonna go into the pivot table analysis and then in the data group we've got the change the data source so if I click on this item you could see that it goes down all the way down here but it leaves out that last row so it's stopping at the 362 so I could reset the whole thing or I could just say I want that to go down to 363 and then okay and then if I go back up top again we could check it out we could check it out and see what we have here so now it's refreshed and going down to zero now I'm gonna skinify these rows again making them a little bit more skinny and so there we have those and so it has now been adjusted this is future me talking to you from a future point in the problem here noting that we stopped this at the 359 instead of going down to the 360 so we left off that last payment which is gonna cause us a problem when we convert it to the pivot table so we'll fix it at the end of the practice problem so you can either include that last payment which will take your amortization down to zero which is usually the indication that we have done it properly or you can keep it at the 359 if you so choose and we'll see it when we have a problem with the pivot table and we'll use that to kind of refresh our pivot table at a future point.


would say yes. And the reason being is I look at it also from a collectivist view but I also look at it from an individualistic view. So perhaps somebody had an upbringing or a particular experience in their life that they now would like to talk about it but it's very difficult to talk about it because it opens wounds. There might be some pain but for them it's part of their healing to talk about these conversations. So it's really nobody's job to say what you have to say is not worthy. What you have to say is truly not a difficult conversation because you have not walked in their shoes. Empathy says try to walk in somebody else's shoes but I want to let everyone know you will never ever know what it's truly like to live as that individual has lived. You don't know and you will never know but if you open your ears there's a reason why we have two ears in one mouth. There's a quote about that. We have two ears so that we can truly take the time to listen and learn about things, topics that are different from our own. So yes difficult dialogues, difficult conversations can be about any topic.