This video will cover three things that you need to know about subject-to that no one's telling you.
Hey, welcome to my channel if you're new. Welcome back if you're true
I'm Dara, real estate investor, entrepreneur, and consultant out of
Atlanta, Georgia and I'm going to jump right into this video because it's very
important that I get the word out about this topic here. So, before we get started
make sure you subscribe to my channel, and also be aware that I am not a
tax attorney, tax professional, accountant, CPA, or anything or anyone that claims to be.
I am just
Dara, a real estate investor, entrepreneur, and consultant out of
Atlanta, Georgia. Alright but yeah, so this is me talking from experience
And I just want to share, because subject-to is one of those subjects-- I'm just playing
It's one of those topics that a lot of investors, when they're new, hear about it
and they're like, "Oh my gosh, great let's do it!" Because it's no money down
It's sexy, it's cool. And then a lot of homeowners hear about it and think, "Scam!"
So, I'm here to tell you three things you need to know about subject-to
Whether you're a homeowner or an investor interested in pursuing this strategy.
First thing is that it's not a scam. It's not a scam; it's a real, actual way to
sell a property or to acquire property or get rid of a property. So yes, you can
sell a property subject to the existing financing. I'm in Georgia, that's the only
state I'm gonna speak of, but I think a little birdie told me that a lot of the
50 states in the United States of America, you can do this strategy too.
But speaking only from what I know, what I've done in Georgia, subject-to is an
actual, legitimate way to acquire property. Now, are there people who are
scammers out there? Of course. Are there people who take advantage of others or
homeowners who are in vulnerable situations such as pre foreclosure?
Does America start with an A?
Right. But just so everybody knows, subject-to is not
a scam in its own right; it is a very legal way to acquire property. Again, I'm
not an attorney, don't claim to be one, and you should seek the advice of a
legal counsel. Now that that's out the way, it's not a scam that was rule number--
tip number one, secret number one: it's not a scam and can actually be done,
let's get into the real nitty gritty of this video. So first things first
something that nobody ever talks about when it comes to subject-to is insurance!
Now I got a question on one of my videos about subject-to and the specific deal
that I acquired this way, and I was like "Wait that's a great question, and you
don't have the answer because nobody talks about it." So here I am talking about it.
Insurance: who, what, when, where, why, and how?
So as you may know, a mortgage is your
principal, interest, taxes, and insurance. So P-I-T-I.
P-I-T-I
So this last "I" is your insurance. So if you're taking over somebody's mortgage, you're taking over
their mortgage payments, you're paying their PITI, you're also paying insurance.
So, the question I got was, "When you take over subject-to, do you have to get your
own insurance policy?" And that's a great question my friend, cuz I thought the
same thing. I actually went out to some insurance agents that I know and I'm
like, "Hey can you insure this property for me?" No need, because you're already
paying it, so instead of getting your own insurance policy, what you should do is
have the mortgage holder--the previous homeowner--add you on to their insurance
policy as an additional insured. When it comes to subject-to, a lot of times you
get a lot of backlash, a lot of negativity, and it's probably from
hearsay or maybe horror stories of experiences that have gone wrong and
the first objection that I think most people hear, besides being a scam, when it comes
to subject-to is, "Oh no, you're gonna get caught with the due on sale clause."
Right, now I'm no expert in subject-to so won't claim to be, but I do know
investors whose sole business model is on subject-to. So they've acquired over 50
properties this way and out of their 50, zero have been called due on sale.
A lot of people lose sleep at night about this three-word phrase, and the
truth of the matter is it's very unlikely to be called. Now, I'm not gonna say what
causes it or what triggers it; you can definitely do your own research on that
but as far as the payments being made to the bank, they really just want their
payments on time. That's all. So make sure you get those payments into them on time
it doesn't matter if it's coming from John Doe, the mortgage holder or
My Pretty LLC, you know? So just make sure you pay on time and you really don't
have to worry about the due on sale issue at all. So this leads me to my next tip
being: it doesn't matter what account is making those payments as long as those
payments are being made. So the bank isn't gonna say, "Hmm. John Doe used to pay me
every single month, now My Pretty LLC is paying me. Well who's My Pretty LLC?
Let me go investigate and make sure they don't keep paying me on time." I mean what?
I don't-- I don't really know, but it doesn't matter who the money is coming from
as long as it's paid in full--you pay more, that's better--and on time. Period.
The last and final tip that I want to share with you guys that nobody else
talks about when it comes to subject-to is good old tax season. Now again, I made
that disclaimer in the beginning and I personally don't even know much about
taxes myself, but this one thing, you're gonna need to know. So like I
mentioned when you're paying a mortgage, you're paying PITI. That last "I" was
insurance, that first "I" is interest. And if you don't know, when you pay interest
on a mortgage, you can deduct that on your taxes. So when tax season rolls
around, you want to make sure that you have an agreement along with telling
your mortgage holder--the previous seller-- like, "Hey, could you add me to your
insurance policy as an additional insured?" You want to have an agreement
with them that "Hey, since I'm making these payments, which includes the
interest, will you allow me to write that off on my taxes? Will you allow me to add
that on my taxes, because you ain't getting the benefits of what I'm doing."
You know what I'm saying? I hope that makes sense, just trying to break it down
mano-a-mano so everybody can understand. But yeah so with [interest]
you want to have it arranged with the previous homeowner--the current mortgage holder--
that you will be the one to write off and deduct that interest that's being paid.
So, there it is guys. Now this is gonna be the one rare video where I
do not encourage you to ask me questions in the comments, because like I said, I'm
no way, shape, or form a professional-- a tax professional or an expert. So if you
have any further questions or need clarification, that's when you call your
tax expert, call your real estate attorney, call your tax attorney, call
your CPA or accountant, but don't call Dara. But I hope these three tips I
shared with you helped. If so, give me a thumbs up, share this video and
subscribe to my channel.
Wait! Before you go, read down below in the description box.
If you have any other questions pertaining to real estate wholesaling
getting started or getting to that first deal, go ahead and schedule a one-on-one
consultation with me. If you like this shirt that I'm wearing, let me know and I
might mass produce them for all the pretty little flippers out there. So
again, thanks for watching, I will see you in the next one.
For more infomation >> Things NO ONE Tells You About Subject-To | Wholesaling Real Estate - Duration: 7:53.-------------------------------------------
Evernote's 2019 Priorites: CEO statement - Duration: 7:14.
So today's video we'll explore the recent statement from Evernote CEO
This is going to give you a brief outline or what evident
We'll be working on over the next couple of months and I'll share my thoughts throughout this
So last week the Evernote CEO in small posted on their blog all about his priorities for Evernote over the next couple of months
Now I picked out a few key statements that I write to share with you guys
So Ian mentions I have spent the last two months learning about Evernote both from the inside
Out and the outside in and another panelist Eamonn also says and becoming really clear on Eva's own strengths and weaknesses
I've also been reviewing the company's financial health
Which I'm pleased to report is extremely sound from the outside in I've spent time listening to you our customers
Partners and community the people who know Evernote best and I've spent time looking at the overall competitive landscape
Understanding the category they're ever know created has continued to grow and is now shaped by many companies
But inventing the future requires being able to stand on a solid foundation now just a note
These are a few clippings from the piece. So it's not the full piece. I do recommend reading the full piece first things first
I do like the way that you started this it's really respectful
It does understand that there are flaws with Evernote and they definitely intend on changing them and I hundred percent agree
they need to work on the foundations and it's something that is definitely confident on doing so let's dive into the next little bit and
Honestly requires us to state straight out that we can do better with the product you have
Today that we are currently doing. In fact, we can do better than we have been doing for some years frankly
It's a bit disingenuous
for me to try and get most
Dedicated users all fired up about inventing the future of Evernote
When exactly those same people are the ones who know best that sync doesn't always work right or that Evernote on Windows is a bit
Tired and it is missing features that are found on the Mac version or that each version of Evernote seems to be work slightly
Different and exhibits its own unique collection of bugs and undesirable behaviors or that Evernote on mobile
Sometimes feels like a head down version of the powered desk
powerful desktop app instead of the mobile first view into a powerful cloud enable productivity environment because ultimately
by choosing to use Evernote each of you gives us the privilege of serving you of
Trying to make your life more focused more organized and more productive in return
It's our responsibility in an untreated to serve you well now actually when I read this
Actually felt that Evernote finally got it
they finally understood that they haven't quite hit a nail on the head and these I
particularly, like the ins highlighted some of the key features that have been annoying people because actually shows that he's aware of them because
sometimes when you know, for example the fact that there are so many features sort of off with Evernote is
Not good and actually highlighting them not just saying all of our bugs, you know, this is something that actually is
resonates with me especially
Over the years I've been with Evan. Ooh, so now moving slightly onto the goals area
Ian highlights a few goals and he says our goals are simple, but meaningful number one
We're going to create a more coherent more consistent Evernote experience for every version of the product. We ship an
experience that fixes the essential features on which all of us depend
number two
We're going to make a fundamental changes to how we develop and deliver
Software so that we can start to ship faster across all devices we support and that all of us can experience the same Evernote
regardless regardless
regardless of which device we use to experience it and number three and we're going to make
Improvements to the core infrastructure that sits behind the application you experience so that we can deliver an Evernote with speed
Reliability and scalability that all of us expect you also finally mentions despite this risk
I'm convinced that focusing on the basics is what we need to do first in order to best serve you not just now but
Years into the future now
One thing I want to say here is looking at the goal side of stuff number one
I think that that goal is or two awards
reconfiguring the plans
For example what's included in them what features are included in them and how they intend to monetize in the future?
I didn't think we're definitely going to see a change in the Evernote basic in the next couple of months and
How it is perceived by everyday users number two
The goal - I think focuses on launching across the board so actually shipping the same experience on all devices
So for example Evernote Mac isn't a look like Evernote
It is gonna look like Evernote for iPhone or Evernote for Android
It's all going to be consistent
which I definitely think is needed and
Finally the third thing that I think he focuses on is the bug security issues and the reliability of the service
I think people really want Evernote to be that reliable consistent experience
It has been in the past but in the last couple years not so much. I really struggled to open up my iPhone
There's always crashes bunks and it just really horrible experience to use
So the really good news is if you're an Evernote user
Ever new have become aware of all of their problems and when I actually chat with ian small
He honestly did have
He was all ears open and he's definitely wanted
everyone to be happy in terms of
Starting small and building out because I don't think is the sort of person that Russian and a new feature
I think he's someone that will change from the bottom upwards
So Evernote must work on their foundations first, and it's something that I definitely think they are working on hard
So it's going to be exciting 2019 for Evernote
Either way Evernote have put out this challenge that I didn't want to mention. That was at the bottom that blog post
It's good ever better challenge. I think it's a great little initiative if you're looking for a 30-day
Challenge for setting a goal in 2019. I can't recommend it enough
They've got a brilliant explaining video on it with Forrest the guy who runs their podcast
And it's definitely recommended to go and check it out
Also, I'm going to be putting or I probably already have put out a video on notions Web Clipper. I probably really stood today
It's well worth looking at it and we did a video on this to overview it
Anyway, if you're brand new here do subscribe for more Evernote related news if like this video
You're a regular we're a welcome back
Do hit the like vid like button if you enjoyed this video today and do please honestly, I love read in the comments
I'm being that active in them recently, but just pop what you think Evernote is gonna be working on and whether you think this statement
Restores your trust in Evernote or you know, I mean like restores your trust in their ability to develop the product
Honestly, you'll be great to hear so guys
Thanks very much, and make sure if a great week keep it up as if I'll see you guys
Pretty very soon. Alright, Cheers
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Need-to-know: Why should you consider programmatic advertising? - Duration: 1:49.
You've probably heard of programmatic advertising, but do you understand what it is and what its benefits are?
No? Don't worry, this video will explain all the basics you need to know!
First, what is programmatic advertising?
Programmatic advertising involves the use of artificial intelligence to buy digital advertising space.
Artificial intelligence is also used to collect and analyse cookies,
which are used to improve audience targeting and decide when an ad should display to a user.
Put simply, programmatic advertising is an automated,
intelligent technology that replaces the need for humans to do tedious tasks like buying ad space.
So, what are the benefits of programmatic advertising?
Programmatic advertising leads to improved targeting, reduced audience duplication.
advanced tracking, and real-time campaign optimisation.
And because artificial intelligence is taking care of the day-to-day running and optimisation of your campaign,
your time is freed up to focus on other things like refining your audience and strategy, or post-campaign analysis.
Programmatic advertising is good for brand awareness, and supports other activities such as search.
And don't forget, it's not just for big brands with big budgets – anyone can do it!
Do you have any questions about programmatic advertising?
Let us know in the comments below!
And remember, we can provide consultancy and conduct programmatic advertising campaigns for you,
whatever country or language you're targeting – just get in touch using the link in the description.
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FIFA 19 career mode ratings: Top 100 wonderkids you must sign in the transfer window - Duration: 1:19.
With the release of Fifa 19 upon us, it would be a little foolish to fire up a new career mode without first taking a look at all the potential wonderkids on offer
EA Sports have given the career mode a polish with revamped transfer negotiations - you can now sit down with the player and his agent - which means that you should take full advantage of the best and brightest youngsters with the highest potential
Once again, PSG star Kylian Mbappe is top of the pile after a sensational season which saw him win the Ligue 1 title and World Cup with France
His potential remains a lofty 95, with a rating of 87. Among those included in this year's list are youngsters from Chelsea, Manchester United, Manchester City, West Ham Liverpool and Fulham, while Benfica can boast the most rising stars in their ranks
So, start the countdown and pick from the best line of young players in world football
Scroll through the Fifa 19 ratings gallery above for all of the wonderkids - and take a look at the top 100 players in the full game below
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Inspiring Entrepreneurs #4: Coinify - Duration: 4:43.
My name is Mark, I'm the co-founder of Coinify, also the CEO,
and Coinify is a multi-cryptocurrency trading platform as well as a payment platform,
whereby people with cryptocurrencies as able to buy and sell those on a store.
The key to us was that we very early on took that approach that we needed to be very compliant.
Adhere to the normal regulatory space, even though the space of our industry is not regulated,
and by that teaming up with financial institutions and even get a bank as investor.
The best day at work is entering the office, especially being the CEO, and you have like three meeting rooms
occupied with people, people having meetings by the desk, phone is ringing, people are talking.
You know the whole vibrant space of everybody's busy with something and even better,
I don't even know what they're doing. The sense of I'm not in control of everything.
The company's a organism that can do a lot of decisions by themselves which is, being in a start-up phase,
is where you get that point where this is more than just start-up, cause I'm not even involved in everything.
Things are just happening. That's what makes me very proud and makes me very happy.
Well, e-Commerce have started to change a lot. Let's say if you go even before we started,
and paid with credit cards online, and you see a lot of fraud, a lot of chargebacks and all that stuff,
then you see today that there's a 150 different payment channels out there,
from wallets and vouchers and Apple Pay and other different payments, to where we are now,
where you can accept cryptocurrencies, which is definitely a game changer,
in the light of you're talking about a whole new technology compared to other payment channels,
which is different ways using the same technology.
I think that's a big game changer for the whole market of e-Commerce.
It comes naturally that hard works need to be done.
Another thing is that you need to be inspired and motivated. You can work hard,
but not being motivated and inspired and eager to do the right thing. Then you just work hard, not being efficient.
I think it's the whole aspect of either having a super sexy product that people will mouth-to-mouth use,
and do that kind of advertising, or have a very very clever marketing strategy.
Otherwise you will be online and nobody will find you.
Not a lot, I must say. I think we have been very lucky in the way we started our business,
how we positioned our business. And you can say luck is something you need to deserve,
but I think we have deserved the luck we got, but we've also been lucky in terms of timing.
So it's difficult to say that I would have done something differently.
Well, yes. How we operate in terms of shortcutting into the market is our go-to-market strategy.
Not having a B2C-platform, which is normally what you do if you have a webshop,
but scaling our business into other companies, who already have the audience.
In our particular space, it's having a trade component, that we can put into wallets,
that already have millions of users, and thereby having them to do all the work.
And we were happy to, already in 2015 we signed with the biggest wallet in the world,
so immediately we got access to 10 million people and that's how the fun began with Coinify.
That we got lots of traction, lots of clients overnight, without even doing any marketing.
So, sometimes you can do your own website, use that analogy,
or you can go into a, Amazon, who already have the audience, and then thereby get access to the users.
And that's what we did.
Well, it was quite obvious for us to use Clearhaus in the early days.
Because it was Danish, I could call the CEO, he took the phone
we were actually taken care of support-wise, but also in the whole management team,
and could meet them physically which makes much more trust,
compared to having a global player out there, that you could not get access to.
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You have to hear 50.Grind's Gotta Catch 'Em All, a Pokémon nu metal song - Duration: 6:21.
For more infomation >> You have to hear 50.Grind's Gotta Catch 'Em All, a Pokémon nu metal song - Duration: 6:21. -------------------------------------------
Joel 1:13-20 | The Book of Joel Explained - Duration: 23:59.
in this video we're gonna look at Joel chapter 1 verses 13 through 20 and this
passage is going to help us answer some questions for example are there times
that bad things that happen in my life are actually God's punishment for
something I've done and if so why does God do that and what should I do in
response welcome to equipt I'm your host Mario
Escobedo this channel is all about helping you deepen your understanding of
God's Word so you can know God better and understand his incredible plan for
your life more clearly on this channel I do Bible studies as well as teachings on
how to study the Bible effectively so if you're new here consider subscribing so
that you're always up to date on the teachings as they become available
now I'm issuing an apology ahead of time I'm coming out of a time where I had
some pretty severe allergies which affected my throat and my voice so I
might sound a little bit hoarse I hope it's not too terribly annoying for you
we'll just we'll just go through the teaching with that and I apologize ahead
of time now this this teaching is part of a teaching series on the book of the
Prophet Joel I'm gonna put a link in the description to the playlist so that you
can access all the teachings that I've done so far on the book of the Prophet
Joel and we'll continue doing them until we finish the book of the Prophet Joel
and I'm doing this passage by passage and so today we're gonna look at Joel
chapter 1 verses 13 through 20 this entire passage and then answer some
questions from that passage now since we're looking at the entire passage in
this one video that means that I'm not going to go into incredible detail in
every single one of these words and verses rather I'm gonna look at this as
a whole and just tease out some implications and some applications that
we can we can apply to ourselves as we look at this passage and so I've got
this passage right now divided into three major blocks three sections verses
13 and 14 verse 15 and then verses 16 through 20 that's how I've divided it
now you may look at this passage and decide to divide it differently that's
fine this is simply the way I've decided to divide the passage for ease of study
it just makes it a lot easier for me to study a passage when I've broken it down
into some logical thought units it just helps me it facilitates my study a lot
more so let's zoom in this first part right here verses 13 and
14 and let me make some general observations here you'll notice that I
already have a section highlighted in blue any time I highlight something in
blue have been if you've been following my teachings you'll know that for me the
blue highlight means that that phrase that I've highlighted in blue is the
main idea that I've selected for this particular paragraph or this particular
section so when I look at this I see this one phrase right here cry out to
the Lord and for me that is what gives a good summary of this entire paragraph
right here does it explain it all of course not it's it's a it's a main idea
it's what I identify as the main idea for that one paragraph so I look at that
and I say okay generally speaking this paragraph can be summarized with that
phrase cry out to the Lord now when you look at this paragraph you may identify
something different that's fine I would still guess that we'll come up with
something very similar because and in my opinion at least it's it's pretty
evident what this paragraph is talking about now as we go through the paragraph
we see some things here for example the Prophet Joel first begins by addressing
the priests and he tells them to put on sackcloth immediately when we see the
Prophet Joel telling the priests to put on sackcloth obviously he's talking
about grief right typically when a person in Israel not just a priest but a
person in Israel would put on sackcloth it's indicating a time of mourning a
time of grief maybe a loved one has passed away and so the way you express
your grief and you demonstrate that you're in mourning is that you you put
on sackcloth a very uncomfortable a cheap piece of burlap or something that
would be put over you to indicate them the depth of your mourning and your
sadness and so for sure the Prophet tells the priest here that they should
mourn they should wail I mean just cry their eyes out those of you who minister
before the altar and again this is a call to the priests and all those who
were involved in ministering and taking care of the temple and the altar and he
issues another call to them right here to come spend the night in sackcloth
another call to morning and then he identifies again you who
minister before my god now the call to spend the night
now there were there were times when there were sacrificial sacrificial or
religious activities taking place throughout the night that that was that
wasn't uncommon that was pretty common but what's different here is that he's
calling the priests to come and spend the night but to do it in sackcloth as a
sign of mourning that's what he's calling the priests to do not to carry
out their regular priestly functions or celebrations or religious rituals or
whatever he's calling them specifically to come to spend the night at the house
of the Lord in mourning in grief in sorrow and in sadness now what is why is
he making this call well that goes back to verses 2 through 12 right because in
verses 2 through 12 we have a description of the locust invasion that
had come to the nation of Israel to the people of God what we have now starting
in verse 13 is no longer description but we have a prescription here's what
happened now here's what you should do right so there's there's a shift here
now in verse 16 we're gonna go back to more description but for now verses 13
and 14 we have prescription here's what happened verses 2 through 12 now here's
what I'm telling you that you should do as priests you need to mourn and he
tells them mourn for the grain offerings mourn for the drink offerings because
they're withheld from the house of your God and what we saw when we analyzed
Joel chapter 1 verse 8 is that the grain offerings and the drink offerings were
vital to the daily sacrificial ritual that was necessary to maintain right
relationship between God and His people well those grain offerings and those
drink offerings have been completely devastated by the locust invasion so the
implication is that the full sacrificial ritual could not be carried out this is
a reason for mourning by the priests they cannot carry out to the fullest
their priestly responsibilities which included offering
grain offerings and drink offerings to the Lord this
a reason for mourning they cannot carry out their religious responsibilities
which means that for the people they cannot help the people maintain right
relationship with the Lord during this period of time there's a further call to
declare a holy fast to call a sacred assembly now we don't know exactly all
the specifics all the details of what all was involved in a sacred assembly
it's something that would happen frequently we see it on the Book of
Leviticus for example but this is very interesting because what this assumes or
implies right here with the sacred assembly is that we're talking about a
fast that is a corporate fast or a corporate gathering it's not just that
people individually or the priests individually are doing what they're
supposed to be doing in mourning and in grieving no this is everybody coming
together as a sacred assembly to do what the Prophet is telling them to do now
and I think that idea carries on further because the Prophet then says summon the
elders and not just the elders but all who live in the land call them all to
the house of the Lord your God and here's what you're gonna do you're gonna
cry out to the Lord so this is a call beginning with the priests of course but
then going to the elders and then extending it to everybody who lives in
the land this is the responsibility of everybody in the land to come and to cry
out to the Lord now even though the word is not used here really you're supposed
to cry out to the Lord for what I'm gonna I'm gonna infer for repentance cry
out to the Lord for repentance from sin now here's what's interesting in his
entire book nowhere does the prophet joel specify which is the sin that the
people of Israel has committed that he's telling them now that they need to cry
out to the Lord in repentance for he never says what exactly is the sin not
what makes that interesting is that other prophets for example Hosea Hosea
is very clear in calling out the people of Israel's sin as being idolatry the
Prophet Amos right after Joel he's very clear and calling out the sin of social
injustice from the rich against the poor that's what they shall repent of
Joel never specifies which is the sin that the people of Israel should repent
of now I don't know if he's assuming or he just knows that the people should
know what the sin is or why exactly he left out the specific sin but Joel
doesn't indicate which of the sin that he's telling them to repent of
nonetheless in these verses verses 13 and 14 for me at least this is a
definite call to grieve to mourning but not just to be sad but to come and to
cry out to the Lord specifically in repentance for sin so
then we move on to verse 15 now I have verse 15 highlighted in red or pink I
don't know how it appears on your screen but the reason I highlight that in in
that color is because that for me serves as the main idea for this entire passage
if somebody were to ask me what is this passage about I would point to verse 15
right there now I'm gonna read verse 15 and then I'm
gonna go on to verse 16 I'll come back to verse 15 in just a little bit alas
for that day for the day of the Lord is near it will come like destruction from
the Almighty now I'll say right here in parentheses that I've selected this
verse as the main idea for this passage but I also feel as if this verse is
actually the main idea for the entire book of the path of the Prophet Joel now
I don't know if I can do that meaning select one verse and say this is what
the whole book is about but for me the theme of the day of the Lord and the
nearness of the day of the Lord is a very strong contender for the theme of
the book of the Prophet Joel and that's what verse 15 talks about again I'm
gonna come back to that in just a little bit but for now I'm gonna look at verses
16 through 20 and you'll notice that I've selected this phrase right here to
you Lord I call as the main idea for this paragraph right here now we saw
that in verses 13 and 14 the Prophet Joel has prescription right here's what
you need to do repent cry out and mourning put out put on sackcloth
but in verses 16 through 20 we go back to more description now description
it could be one of two things the Prophet Joel could still be describing
the results or the negative consequences of the locust invasion but he could also
be describing what it is if we go back to the end of verse this verse right
here cry out to the Lord it may actually be that in verse 16 the prophet joel is
telling the people what it is they should cry out to the Lord meaning that
verses 16 through 20 some scholars have proposed are the words that the Prophet
is telling the people that they should be praying to the Lord as they crowd to
the Lord that's a very to me a very attractive possibility of how to
interpret verses 16 through 20 and not that I think that works I think that
works at verses 16 through 20 are the the the words of the prayers that should
that the people should be elevating to God as they're crying out to God still
there's still a lot of description here the people are describing to God what it
is that the locust invasion has caused in their land so here's what the people
start saying hasn't the food been cut off from before our eyes joy and
gladness from the house of our God and that that goes back again to the to the
extent of the devastation the locust plague had caused in the land of the
people of God but also the fact that it mentions joy and gladness being cut off
from the house where God that goes back to the fact that if the food has been
cut off it's not just food for sustenance we need not just food for
eating but food that would be used in again the religious the sacrificial
rituals that were carried out in the house of the Lord if that food that was
used in these rituals at the house of God were cut off then obviously the
people's joy and gladness has also been cut off because again they don't have
that method to maintain right relationship with God more description
again in perhaps in the form of a prayer the seeds are shriveled beneath the
clods this is a very difficult verse to translate in Hebrew because I think it's
four of the words here this is the only place they appear in the entire Hebrew
Bible so it's kind of difficult to understand exactly what they mean you'll
see different scholars have different opinions this is the the
I mean this is one way of reading it the seeds are shriveled beneath the clods
the idea being I suppose that there are lumps of dirt dried dirt and seeds that
have been placed underneath them they're shriveling up because there's no
moisture in the dirt they just become these clods of dirt and mud that don't
allow the seeds to penetrate take root and begin to grow that that's an option
again it's difficult to translate this verse the storehouses are in ruins the
granary have been broken down for the grain has dried up now again this is a
description of what's happened as a result of the locust plague the locust
plague did away with everything all the other product all the grain all the
stuff that would have been in storehouses and in greeneries well we
don't have any of that anymore the locust plague did away with everything
of that and so as a result the storehouses and the granary
well they've fallen into disrepair how do you spell disrepair something like
that right they have fallen into disrepair they're in ruins they've been
broken down why well if we don't have anything to put in them we don't have
any grain we don't have any wheat we don't have any harvest to put inside the
storehouses and the granary there's really no need to maintain them
you know it's like when the store goes out of business a building is abandoned
a house is abandoned it's not being used no one is maintaining it or taking care
of it well then windows get broken doors to fall off the hinges the weather
begins to beat it down just the natural elements and so slowly by with time it
begins to deteriorate and break down that's what's happening to the
storehouses and the granary because they're not in use there's no need for
them there's nothing to put in them so there's no need to maintain them and
keep them properly maintained so slowly over time as a result of the locusts
play devastating all the crops they're not in use anymore
they're breaking down so you're beginning to see a breakdown in the
economy you're beginning to see a breakdown in just in the the structures
around the the country all as a result of this locust plague and then it also
goes on to affect nature how the cattle moan their herds mill about because they
have no pasture even the flocks of the sheep are suffering so this locust
invasion has affected not just the people but nature itself that the cattle
and all the things which of course if the cattle or
moaning of they're hungry if they're if they don't have any sustenance that's
gonna affect the people to again sacrificial systems just regular eating
habits I mean this is affecting just about everything and so here we have
that that called to you Lord I call this could be the prophet calling or the
Prophet saying hey you go tell God that you're calling out to him if he's giving
this prescription of what they should say for fire has devoured the pastors in
the wilderness and flames have burned up all the trees of the field now there's
there's some there's some discrepancy here as to what that may mean is it that
an actual fire had come and and devastated more of the land or is the
Prophet Joel using the imagery of fire to describe the locust invasion it could
be one or the other some scholars have proposed that on top of the locust
plague after the locusts playing a drought hit the land there was dryness
all over the place and so as a result these spontaneous and natural fires
would sprout up in the wilderness and whatever the locust plague didn't do
away with this fire definitely did do away with that's a possibility so two
options but we can't be sure on either one of them either the Prophet Joel is
describing the locust invasion like a fire that came and just devastated
everything or he could be saying on top of the locust plague there was this
drought that then resulted in fires across the land who knows one of the
other even the wild animals Pat for you the streams of water have dried up and
fire has devoured the pastures in the wilderness and and the fact that it says
right here the streams of water have dried up that's what has led some
scholars to propose that he's not that joel is not talking symbolically about
the locust plague but that he's talking about a drought that came to the land
and just made the situation worse okay so as we pull back and we look at this
passage I said at the top of the of the teaching that it's going to help us
answer some questions specifically does God punish when things when things are
going wrong can it be God's punishment and my answer to that is absolutely yes
and that this passage right here is a very clear indicator because there's a
call to repentance that the Prophet Joel is trying to
get the people to wake up it's almost as if he's shaking them wanting them to
wake up and to recognize the locust invasion is God's punishment against us
for our sin this is why we have to repent we have to repent and recognize
that this locust invasion and if there was a drought in a fire whatever is
happening we need to wake up and recognize that this is God's punishment
against us for a sin that we have committed and our response is to repent
to cry out to the Lord and to repent of whatever sin we have committed so to
answer the question are there times when life's calamities are actually God's
punishment I think from this passage we would say yes at least the Prophet Joel
would say yes he's trying to get the people to understand this isn't a
coincidence this isn't just some yearly locust invasion that happens and that we
get used to no wake up your eyes wake up your open your eyes wake up and
understand that's what taking place here is God's
punishment on our land and on us for sin or sins that we have committed and our
response to that has to be crying out to the Lord in repentance for what we have
done in the sin that we have committed so that answer is the first question I
started with are there times when God wouldn't just life tragedies are
actually God's punishment yes it's very possible that they are why the other
question I asked why does that happen why does God allow that to happen and
I'm gonna tell you the short answer it's actually God's grace you might not see
it that way but it's actually God's grace and this
is what I'm gonna go back to verse 15 okay very important don't Joel says alas
for that day for the day of the Lord is near it will come like destruction from
the Almighty this is interesting that Joel would say the day of the Lord is
near and that it will come because why is this weird well because the locust
invasion had already taken place for something to have already taken place
why would the Prophet say that it's near or that it will come if it already took
place well this this is how I interpret this
as the purpose behind God punishing his people when they do something wrong
here's what I see the Prophet saying the day of the Lord is near destruction is
going to come if we don't repent from the sin and the punishment that we are
currently experiencing in this locust invasion it's God's Way of grabbing our
attention telling us to wake up and that if we don't repent something far worse
and something far more devastating than this locust invasion is going to come to
our land so this part right here I'll last for that day for the day of the
Lord is near it will come joel is saying if we don't heed this call to repentance
something far worse is going to happen if we don't repent so this is where I
say that God's punishment is actually an expression of His grace because he's
allowing that punishment to happen or he's sending that punishment as a
wake-up call so that you or I or in this case the people of Israel would repent
and then avoid something far more devastating that he would have to send
if we decided not to repent so we answered the question our bad
things sometimes in our life God's punishment yes definitely they can be
according to this passage why does God do it it's an expression of
grace to get us to wake up and realize that we're sinning repent so that we
don't have to get into something far more devastating than what we're
currently experiencing as God's punishment what is our response well Joe
says it very clearly we need to cry out to the Lord right in repentance putting
on sackcloth is an expression of sincere grief of sincere repentance that has to
be there there has to be a recognition and going to God and saying all these
things and saying God I'm calling out to you I'm not going to look anywhere else
for help or for relief from this situation it's something that I
recognize has come from you I'm acknowledging why this is happening it's
a result of my sin and so my response is to cry out to you as for repentance
sincere repentance because I I'm I'm I'm listening to your message and I
understand that you're doing this because it's a sign of your grace you're
trying to help me avoid something far worse happening if I continue down this
road of sin and non repentance so very important to understand that that yes
God does sometimes allow and even send punishment when we do things that are
wrong but it's an activist grace so that we will have the opportunity to repent
and not have to endure further punishment or more negative or more
devastating consequences as a result of our not repenting this is an incredible
passage it is an incredible passage and and it's only gonna get better as we go
on to chapter 2 it's just it's it's gonna blow your mind the way you see God
acting in Chapter two and beyond it's gonna blow your mind if you haven't
looked at the book of the Prophet Joel before I'm tellin you're in for a treat
there's gonna be some twists and turns things that you don't expect they're
gonna be in the Prophet Joel beginning in chapter 2 and forward so keep tuning
in check out the playlist if you haven't seen all the other videos that are
available so far on the teaching of the book of the Prophet Joel check them out
and stay tuned because we've got more teachings coming on the book of the
Prophet Joel and again if you haven't done so yet consider subscribing so that
you don't miss out on any one of these teachings I'd love to hear from you if
you have questions or comments related to this teaching observations things
that I missed I would love to learn from you because I know we can teach each
other and we can learn from each other so hey hit me up in the comments send me
an email I'm on Facebook places like that but I'd love to hear from you and
I'll see you next time god bless
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For more infomation >> Driving in the cold: What you need to know - Duration: 0:37. -------------------------------------------
You Ask, We Investigate: Springdale Northern Bypass Project - Duration: 2:46.
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Crocodile Gaming - Block Craft 3D: Building Game #3 - Duration: 15:31.
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and also subscribe to my channel to see more contents and videos.
Thank you so much for watching.
Hope all you have a good day!
See you next time!
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Stretch & Flex I 14 Minute Class For Home Fitness With Music By 2FitnessLovers - Duration: 14:04.
hey do you feel your body needs a bit stretching and mobility
then you are in the right place
let's start
bring the arms up
inhale and exhale
stretch
and relax
bring your arms together and go side by side
then relax your arms
you can have soft knees
start to walk forward
all the way down
and here do a little stretch
push yourself up again and walk all the way up
and arms up
if your hamstrings are tight have have soft knees
going down again one
one more time
I have soft knees when I go down
I feel very stiff today
bring chin on your chest
start to go round down
round round round your back
round your back and now straighten your knees
bring your arms together and circle around
side by side
not full circle just side by side
rotate
that's the right word
relax well your neck
you can relax your arms
feel your hamstrings
maybe your lower back
neck is stretching nicely
be ready to or free to move during this class
during this class you should not feel any kind of pain
shouldn't be uncomfortable
this is nice moment for yourself
but we should work on your mobility and
get the body a bit more flexible
then bend your knees again
roll up on, chin on your chest
come here and I think about the body is tall
now back of your, leg bending to the side
don't lift the shoulder up
relax your neck
knees soft
and again start to rotate down
and straighten your knees
if it feels good
relax your arms
and then start to walk forward
and bring your other leg front
and other leg back
then put the knee down
let's do a little stretch for the hip flex
you can slightly rotate to front of your front leg
bring your front leg to the side
and bend direction to your straight leg
switching
stretching the hip flexor
and front leg to to the side
stay here
softly push you elbow back
feel nice stretch your in tricep
and maybe even a little bit I feel in my in my neck
other side
great then round your back
and then front leg, no back leg and front hand
back leg like we would be dogs
rotate really now lift your chest up
and look the arm that is here up is rotating
then just reach the other side
quite nice rotation movement
mobility movement for your back
my back loves this exercise
I know many people are just doing this until here
so really rotate, open your chest when you do this
open your chest lift your chest up when you do
let's do two more times
do it slowly do it slowly
now check here
it's easier keeping the balance
great and round your back again
then we sit down
open your legs and drop knees in the middle
bring your under your knees
and pull yourself back chin on your chest
you feel nice stretch between your shoulder blades
then straighten your legs a
and lean forward
as much as you can
if it's possible you can go all the way
pull yourself front
but if it's enough to just lean forward stay there
relax here your neck as well
you feel your neck is stretching
and hug your knee
and hand back straight and rotate
feel here stretch in your glutes
glutes butt
nice rotation to the back
don't hold your breath
breath my friend
shake your legs
do little rotations
great, I hope you feel good
I hope you feel little bit better in your body
this is a short program
perfect program if you feel you need a little bit loosen up
your body
do a little bit mobility stretching
I'm happy that you join me
and I hope to see you soon again
thank you so much bye-bye
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DIY Video Valentine's Day Paper Box Gift Idea Origami Kits - Duration: 13:27.
Hello! Welcome to CzechBeadsExclusive.com channel!
Today we will make Valentine's Day gift box
Let's open DIY origami kit
We have a set of colored paper strips
A bow, glue and a brush for it
Also an example of the box elements
And a step-by-step instruction in pictures
Let's start with the simplest element
Take a paper strip and fold it in half
Then again fold in half
Fold the both corners of crease line to the middle, as shown
Now flip the paper over
Make two diagonal fold of bottom corners
Now fold bottom corners 'till crease line
And fold in half
Make 4 red elements
Connect these elements as shown
Repeat the same with orange elements
Make the same with all color papers
Now connect these 2 elements
Repeat with the other side
Now repeat with all colors
Our box base is ready
Continue the same way to make heart shape box
Let's make bottom of the box
Cut heart shape of stiff paper
Now glue the box to the paper
Glue the ends of the box
And press it
Let's continue making box cover
Start the same as previous from connecting 4 simplest elements
Continue adding the simplest element
One by one
Making a heart shape construction
Now lets glue all elements together
You can you use a brush or just a bottle of glue
Let's attach a bow
Pass ribbons through the upper layer of box cover
And tie them from the opposite side of the box
Cut unnecessaries of ribbons
Congratulations! Our box is ready!
You can buy this kit on our website
Click link in description box
Did you like this video? Please press "like", subscribe to our channel and leave us a comment. Thank you :)
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