And I can't feel at
home in this world anymore
00:00:27.27\00:00:33.33
And I can't feet at home.
00:00:33.36\00:00:34.64
And I can't feel at
home in this world anymore
00:00:34.67\00:00:40.25
Amen, God has given us
00:00:43.25\00:00:45.39
so many blessings, hasn't He?
00:00:45.42\00:00:47.00
Amen. I'm just--
00:00:47.03\00:00:49.13
I feel so blessed
with all the things
00:00:49.16\00:00:51.16
that God has given
me and the next hymn
00:00:51.19\00:00:53.94
that we sing, Daniel Whittle,
00:00:53.97\00:00:56.14
he recognized that.
00:00:56.17\00:00:57.75
He recognized the many blessing
00:00:57.78\00:00:59.26
that God had given him
00:00:59.29\00:01:00.84
but he was desirous of more.
00:01:00.87\00:01:02.91
He wanted the
showers of blessing
00:01:02.94\00:01:04.30
would be poured out upon him.
00:01:04.33\00:01:06.01
He recognized they
were those little ones.
00:01:06.04\00:01:08.64
And please God, give me more.
00:01:08.67\00:01:11.02
There shall be
showers of blessing
00:01:28.19\00:01:32.62
This is the promise of love
00:01:32.65\00:01:36.93
There shall be
seasons refreshing
00:01:36.96\00:01:41.14
Sent from the Savior above
00:01:41.17\00:01:45.79
Showers of blessing
00:01:45.82\00:01:50.03
Showers of blessing we need
00:01:50.06\00:01:54.53
Mercy drops round us are falling
00:01:54.56\00:01:58.97
But for the showers we plead
00:01:59.00\00:02:02.26
There shall be
showers of blessing
00:02:05.48\00:02:09.79
Precious reviving again
00:02:09.82\00:02:14.35
Over the hills and the valleys
00:02:14.38\00:02:18.72
Sound of abundance of rain
00:02:18.75\00:02:23.11
Showers of blessing
00:02:23.14\00:02:27.60
Showers of blessing we need
00:02:27.63\00:02:32.02
Mercy drops round us are falling
00:02:32.05\00:02:36.70
But for the showers we plead
00:02:36.73\00:02:39.90
There shall be
showers of blessing
00:02:43.16\00:02:47.54
Oh that today they might fall
00:02:47.57\00:02:52.18
Now as to God we're confessing
00:02:52.21\00:02:56.66
Now as on Jesus we call
00:02:56.69\00:03:00.96
Showers of blessing
00:03:00.99\00:03:05.45
Showers of blessing we need
00:03:05.48\00:03:10.15
Mercy drops round us are falling
00:03:10.18\00:03:14.55
But for the showers we plead
00:03:14.58\00:03:19.19
Mercy drops round us are falling
00:03:19.22\00:03:25.19
But for the showers we plead
00:03:25.22\00:03:31.22
Amen.
00:03:34.42\00:03:36.03
We've
experienced those blessings,
00:03:36.06\00:03:39.86
the thought of missing them
00:03:39.89\00:03:43.51
is more than we
can bear, isn't it.
00:03:43.54\00:03:44.88
Pass me not
00:03:55.01\00:03:58.40
O gentle Savior
00:03:58.43\00:04:04.74
Hear my humble cry
00:04:04.77\00:04:10.00
While on others Thou art calling
00:04:13.94\00:04:19.30
Do not pass me by
00:04:23.33\00:04:28.56
Savior, Savior
00:04:32.29\00:04:38.75
Hear my humble cry
00:04:41.75\00:04:46.66
While on others Thou art calling
00:04:50.60\00:04:56.34
Do not pass me by
00:04:59.69\00:05:05.69
Let me at Thy throne of mercy
00:05:08.78\00:05:14.55
Find a sweet relief
00:05:17.84\00:05:22.64
Kneeling there
in deep contrition
00:05:26.86\00:05:32.07
Help my unbelief
00:05:35.94\00:05:40.40
Savior, Savior
00:05:44.64\00:05:50.07
Hear my humble cry
00:05:53.54\00:05:58.51
While on others Thou art calling
00:06:02.42\00:06:08.42
Do not pass me by
00:06:11.46\00:06:16.92
Savior, Savior
00:06:20.86\00:06:26.37
Hear my humble cry
00:06:29.37\00:06:34.71
While on others Thou art calling
00:06:38.03\00:06:44.03
Do not pass me by
00:06:47.03\00:06:53.03
Thou, the spring
of all my comfort
00:06:56.04\00:07:02.54
More than life to me
00:07:05.55\00:07:12.55
Whom have I on earth beside Thee
00:07:15.09\00:07:21.09
Whom in Heaven but Thee?
00:07:24.94\00:07:31.44
Savior, Savior
00:07:34.42\00:07:40.42
Hear my humble cry
00:07:43.52\00:07:49.52
While on others Thou art calling
00:07:52.52\00:07:58.52
Do not pass me by
00:08:01.65\00:08:07.42
He is marvelous!
Jesus is wonderful!
00:08:20.08\00:08:23.89
Give Him glory! Shout
to the Lord an' proclaim
00:08:23.92\00:08:27.46
He is marvelous!
00:08:27.49\00:08:29.12
Oh, so wonderful!
00:08:29.15\00:08:30.85
Give Him the glory an' praise
00:08:30.88\00:08:33.67
Oh, yes, He is
marvelous! Jesus is wonderful!
00:08:33.70\00:08:38.43
Give Him the glory!
Shout to the Lord an' proclaim
00:08:38.46\00:08:42.47
He is marvelous!
00:08:42.50\00:08:43.84
Oh, so wonderful!
00:08:43.87\00:08:45.81
Give Him the glory an' praise
00:08:45.84\00:08:48.69
Oh, yes, He is
marvelous! Jesus is wonderful!
00:08:48.72\00:08:53.52
Give Him the glory!
Shout to the Lord an' proclaim
00:08:53.55\00:08:57.64
He is marvelous!
00:08:57.67\00:08:59.15
Oh, so wonderful!
00:08:59.18\00:09:01.12
Give Him the glory an' praise
00:09:01.15\00:09:03.65
For He is the only
Lord of all He shall
00:09:03.68\00:09:06.34
He is, He is Lord of Lords
00:09:06.37\00:09:10.27
He is King of King Lord of Lords
00:09:10.30\00:09:12.68
He is King of King Lord of Lords
00:09:12.71\00:09:16.35
Yes, He is King
of King Lord of Lords
00:09:16.38\00:09:20.32
Yes, He is King
of King Lord of Lords
00:09:20.35\00:09:25.55
He is King of King Lord of Lords
00:09:25.58\00:09:27.80
He is King of King Lord of Lords
00:09:27.83\00:09:31.47
He is marvelous!
00:09:39.21\00:09:40.56
Jesus is wonderful!
00:09:40.59\00:09:42.49
Give Him glory! Shout
to the Lord an' proclaim
00:09:42.52\00:09:46.86
He is marvelous!
00:09:46.89\00:09:48.24
Oh, so wonderful!
00:09:48.27\00:09:50.38
He is marvelous!
Oh, so wonderful!
00:09:50.41\00:09:54.02
He is marvelous!
00:09:54.05\00:09:55.77
Oh, so
wonderful! Oh, so wonderful!
00:09:55.80\00:09:59.60
Give Him the glory an' praise
00:09:59.63\00:10:03.26
He is marvelous!
00:10:03.29\00:10:06.94
He is marvelous!
Jesus is wonderful!
00:10:06.97\00:10:10.88
He is
marvelous! He is marvelous!
00:10:10.91\00:10:16.72
Jesus is wonderful!
00:10:16.75\00:10:18.81
He is
marvelous! He is marvelous!
00:10:18.84\00:10:24.54
Jesus is wonderful!
00:10:24.57\00:10:26.50
He is
marvelous! He is marvelous!
00:10:26.53\00:10:32.41
Jesus is wonderful!
00:10:32.44\00:10:34.36
He is
marvelous! He is marvelous!
00:10:34.39\00:10:40.02
Jesus is wonderful!
00:10:40.05\00:10:42.15
He is
marvelous! He is marvelous!
00:10:42.18\00:10:48.05
Jesus is wonderful!
00:10:48.08\00:10:51.91
Oh, so, wonderful!
00:10:51.94\00:10:53.72
He is marvelous!
00:10:53.75\00:10:55.77
Oh, so, wonderful!
00:10:55.80\00:10:57.62
He is marvelous!
00:10:57.65\00:10:59.53
Oh, so,
wonderful! Oh, so, wonderful!
00:10:59.56\00:11:03.28
Give Him the glory an' praise
00:11:03.31\00:11:06.81
Amen.
00:11:06.84\00:11:07.87
"I'm not saying
this because I'm in need,
00:11:12.09\00:11:18.02
and I know what
it is to have plenty.
00:11:18.05\00:11:22.31
I have learned the
secret of being content
00:11:22.34\00:11:25.02
in any and every situation.
00:11:25.05\00:11:29.59
Whether, well fed or hungry.
00:11:29.62\00:11:32.68
Whether living in
plenty or in want.
00:11:32.71\00:11:36.43
I can do all of this through him
00:11:36.46\00:11:39.21
who gives me strength."
00:11:39.24\00:11:41.39
We begin a new mini series today
00:11:45.02\00:11:47.73
"Four Secrets to Surviving
00:11:47.76\00:11:51.55
the Coming Economic Earthquake."
00:11:51.58\00:11:55.87
Secret number One,
Shun It Like The Plague.
00:11:55.90\00:12:00.82
Let's pray.
00:12:00.85\00:12:01.88
Oh, God, You are marvelous.
00:12:05.89\00:12:08.67
You are wonderful.
This is Your world.
00:12:08.70\00:12:13.47
Creator Father and
Savior, we know what's up.
00:12:13.50\00:12:19.86
We feel it, we sense
it in our soul of souls.
00:12:19.89\00:12:24.70
How do we survive this?
00:12:24.73\00:12:26.84
With hope, with courage
00:12:26.87\00:12:29.09
let today's
teaching bring both to us.
00:12:29.12\00:12:32.65
We pray in Christ name, amen.
00:12:32.68\00:12:35.32
Has it astounded you?
00:12:40.72\00:12:44.63
Probably gonna get into
bit of high provably here
00:12:44.66\00:12:49.82
but has it blown you out
of the water as it has me.
00:12:49.85\00:12:56.17
Ever since, our
world and our nation
00:12:56.20\00:12:59.46
last fall moved into
this current economic crisis
00:12:59.49\00:13:02.91
I am absolutely astounded
00:13:02.94\00:13:05.61
at how we have
overnight become so comfortable
00:13:05.64\00:13:10.04
with numbers that are humongous.
00:13:10.07\00:13:13.99
I mean a trillion,
a trillion dollars.
00:13:14.02\00:13:18.29
Do you know how much
a million dollars is?
00:13:18.32\00:13:22.35
If we took a stack of
one thousand dollar bills--
00:13:22.38\00:13:25.84
and by the way President Nixon
00:13:25.87\00:13:28.35
pulled amount of
circulation back in 1969
00:13:28.38\00:13:31.05
to avoid counterfeiting
big denominations.
00:13:31.08\00:13:33.91
But if we still had
the thousand dollar bill
00:13:33.94\00:13:36.12
and we stacked them
tight to get a million dollars
00:13:36.15\00:13:39.39
how high do you
think that stack would be?
00:13:39.42\00:13:41.27
Four inches.
00:13:44.29\00:13:46.08
I will be happy for a stack
of four inches, wouldn't you.
00:13:46.11\00:13:49.14
Absolutely.
00:13:49.17\00:13:50.31
How about a billion dollars?
00:13:50.34\00:13:51.84
If you stacked a billion dollars
00:13:51.87\00:13:53.73
how high would those
thousand dollar bills go?
00:13:53.76\00:13:59.08
Three hundred feet.
00:13:59.11\00:14:01.25
Yeah, this is 50 feet to
the top of this sanctuary.
00:14:01.28\00:14:04.39
So six times this height
you get a billion dollars,
00:14:04.42\00:14:07.82
a stack of
billion dollars, 300 feet.
00:14:07.85\00:14:10.13
And if you took those
same thousand dollars bills
00:14:10.16\00:14:12.97
and stack them to
equal a trillion dollars,
00:14:13.00\00:14:18.19
how high would that stack be?
00:14:18.22\00:14:20.38
Nearly 63 miles high.
00:14:20.41\00:14:27.06
Now do you know how much the
government of the United States
00:14:27.09\00:14:33.49
is in debt for right now?
00:14:33.52\00:14:37.01
Do you know?
We're gonna find out.
00:14:37.04\00:14:38.89
Let's turn these big screens
into a desktop computer screen
00:14:38.92\00:14:42.47
let's put that
internet browser up there.
00:14:42.50\00:14:45.52
And you may
want to jot this down
00:14:45.55\00:14:47.14
this website
00:14:47.17\00:14:48.85
www.brillig.com/debt_clock
00:14:48.88\00:14:56.85
and let's find out to the
very penny to the very second
00:14:56.88\00:15:00.12
what our national
debt is right now.
00:15:00.15\00:15:04.13
Now let's enlarge just
so that we can also see it.
00:15:04.16\00:15:06.48
Yeah, there we go okay.
00:15:06.51\00:15:07.94
Can you read that number?
00:15:07.97\00:15:10.26
Let's read that
number out loud together.
00:15:10.29\00:15:12.97
Eleven trillion,
fifty two billion,
00:15:13.00\00:15:17.59
eight hundred seventeen million,
00:15:17.62\00:15:20.66
sixty six thousand,
00:15:20.69\00:15:22.69
nine hundred and
sixty two dollars
00:15:22.72\00:15:25.35
and three cents.
00:15:25.38\00:15:27.86
Now, can you?
Hey, hey, hey hold it.
00:15:27.89\00:15:29.33
Can you read what's below?
00:15:29.36\00:15:31.04
Given our population
we're about 305 million
00:15:31.07\00:15:34.41
the national debt has
continued to increase,
00:15:34.44\00:15:37.17
I left out that part,
00:15:37.20\00:15:38.23
each citizen's share
of this debt is $36,000.
00:15:38.26\00:15:42.81
Our debt now
increases $3.74 billion
00:15:42.84\00:15:46.14
every 24 hours
since September 28, 2007.
00:15:46.17\00:15:52.39
You know, how high
that stack would be
00:15:52.42\00:15:54.72
if we stacked our national debt?
00:15:54.75\00:15:57.17
It would stack up past the
international space station
00:15:57.20\00:16:01.26
three times, 699 miles.
00:16:01.29\00:16:06.20
Ladies and
gentlemen, we're in debt.
00:16:06.23\00:16:10.93
But hold on
that's not all the debt,
00:16:10.96\00:16:13.68
that's just the
federal government.
00:16:13.71\00:16:15.74
Let's take the
entire American debt,
00:16:15.77\00:16:17.57
all right that would
be Federal Government
00:16:17.60\00:16:18.95
that would be state
and local government,
00:16:18.98\00:16:21.29
let's take our business debt,
00:16:21.32\00:16:22.83
let's take our personal
debt, all student loans,
00:16:22.86\00:16:25.24
all credit cards,
all house mortgages.
00:16:25.27\00:16:29.37
The debt for America
alone on this planet right now--
00:16:29.40\00:16:32.93
put it on the screen
please $57,000,000,000,000.
00:16:32.96\00:16:38.58
Houston we have a
problem, a massive problem.
00:16:38.61\00:16:45.28
It's no wonder
that debt has become
00:16:45.31\00:16:47.89
a painful four letter
word in the America vocabulary.
00:16:47.92\00:16:52.92
Hey, listen, I know the moment
00:16:52.95\00:16:55.35
I say the word debt
our stomachs begin to twist
00:16:55.38\00:17:00.80
and not with this
awful sense of hopelessness.
00:17:00.83\00:17:08.39
Almost
everybody in this building
00:17:08.42\00:17:11.40
right now knows the
meaning of that twist.
00:17:11.43\00:17:17.27
I was talking with the
friend of mine this week.
00:17:17.30\00:17:19.06
Do you know what, he
could care a hill of beans
00:17:22.85\00:17:29.85
about the national debt?
00:17:31.84\00:17:33.81
What is giving his
family such angst today
00:17:33.84\00:17:39.27
is the amounting
of personal debt.
00:17:39.30\00:17:42.91
It is choking out their hope.
00:17:42.94\00:17:46.46
Is there any hope for
the likes of you and me?
00:17:49.47\00:17:51.54
I believe there is.
00:17:51.57\00:17:52.60
I believe there are four secrets
00:17:52.63\00:17:55.32
to surviving the
coming economic earthquake.
00:17:55.35\00:17:58.29
You'll say, "hey, wait a minute.
00:17:58.32\00:17:59.35
Dwight, what you mean
coming of economic earthquake."
00:17:59.38\00:18:01.46
Haven't you heard?
00:18:01.49\00:18:02.72
We got politicians in Washington
00:18:02.75\00:18:04.96
now that have come
up with all new strategy
00:18:04.99\00:18:07.51
that will kick
start this economy
00:18:07.54\00:18:09.24
and we're soon gonna be humming
00:18:09.27\00:18:10.91
on our way once again.
00:18:10.94\00:18:13.26
Are you serious?
00:18:13.29\00:18:15.71
Is there a doctor in the house
00:18:15.74\00:18:18.17
because we need the doctor
to stand up here and tell us
00:18:18.20\00:18:20.54
how is it that an artery clogs.
00:18:20.57\00:18:25.96
We need a physician to remind us
00:18:25.99\00:18:27.80
that it always
happens imperceptibly
00:18:27.83\00:18:30.32
plague upon plague,
00:18:30.35\00:18:31.97
fatty deposit upon fatty deposit
00:18:32.00\00:18:34.48
until finally
that constricted artery
00:18:34.51\00:18:37.52
goes thicker and
thicker and thicker
00:18:37.55\00:18:40.38
until it is totally
obstructed and you get a massive
00:18:40.41\00:18:45.75
catastrophic fatal
cardiac event called death,
00:18:45.78\00:18:50.10
in case you didn't know.
00:18:53.84\00:18:55.22
Ladies and gentlemen,
00:18:59.45\00:19:00.48
that is what our national
debt is doing to us today.
00:19:00.51\00:19:04.03
And you keep throwing
billions of dollars at it.
00:19:04.06\00:19:06.43
You can keep
throwing trillions of dollars
00:19:06.46\00:19:08.01
but every time you
throw another fistful
00:19:08.04\00:19:10.27
there goes that
artery tighter and tighter.
00:19:10.30\00:19:13.16
Some of you have been fooled
00:19:13.19\00:19:14.53
and for a while I
was too into thinking
00:19:14.56\00:19:16.91
that if we
track the stock market
00:19:16.94\00:19:18.77
we'll know the
fortunes of our future.
00:19:18.80\00:19:20.86
The stock market is not
telling us the condition.
00:19:20.89\00:19:26.46
We're headed for a massive
catastrophic economic event.
00:19:26.49\00:19:34.36
We don't know when
but we do know where.
00:19:34.39\00:19:38.20
God bless America land
of the freely indebted.
00:19:38.23\00:19:44.83
That's where it's
coming. So how can we?
00:19:44.86\00:19:47.08
I'm not, I'm not gonna
preach to the nation today.
00:19:47.11\00:19:49.61
Here's a question,
how can we, you and I--
00:19:49.64\00:19:52.68
by the way however a
pray for our leaders.
00:19:52.71\00:19:58.83
I'm praying to God for
every one of those politicians
00:19:58.86\00:20:02.55
that they'll
have the discernment
00:20:02.58\00:20:06.05
to make the decisions we
need to keep this door open
00:20:06.08\00:20:09.49
just a little
longer for the Gospel
00:20:09.52\00:20:11.21
to go to all the world.
00:20:11.24\00:20:12.45
That's what I'm praying for.
00:20:12.48\00:20:14.06
Okay, how you voted this
fall? You pray, you pray.
00:20:14.09\00:20:18.52
And I don't
care about the nation
00:20:18.55\00:20:19.58
right now I'm
thinking about you and me,
00:20:19.61\00:20:20.66
average individual, average
little people before God.
00:20:20.69\00:20:23.93
How shall we survive this
coming catastrophic event?
00:20:23.96\00:20:28.07
Four secrets, four secrets
00:20:28.10\00:20:30.37
I want to share
with you over four weeks
00:20:30.40\00:20:32.78
to infuse hope
and courage into us
00:20:32.81\00:20:36.20
in the phase of the
coming economic earthquake.
00:20:36.23\00:20:38.20
And we begin right
now, secret number one.
00:20:38.23\00:20:41.15
Open your Bible please
to the Book of Proverbs,
00:20:41.18\00:20:42.90
Old Testament.
00:20:42.93\00:20:44.00
Go to the Book of
Proverbs. Please, Proverbs 22.
00:20:44.03\00:20:46.82
We'll take one line
from the Old Testament
00:20:46.85\00:20:48.23
one line from the New Testament.
00:20:48.26\00:20:50.32
You didn't bring your Bible?
00:20:50.35\00:20:51.38
Oh boy, grab that pew
Bible in front of you, please.
00:20:51.41\00:20:55.46
Proverbs 22 take a look at this.
00:20:55.49\00:20:59.71
Grab the pew
Bible it will page 442.
00:20:59.74\00:21:02.01
The pew Bible would be
the New King James Version.
00:21:02.04\00:21:04.68
I have that today is New
International Version here.
00:21:04.71\00:21:08.10
That's what you'll
be seeing on the screen.
00:21:08.13\00:21:10.37
Proverbs 22, Proverbs 22:7.
00:21:10.40\00:21:16.34
The wisest man on
earth wrote these words,
00:21:16.37\00:21:18.66
"The rich rule over the poor."
00:21:18.69\00:21:21.79
Well, nobody needed in
Proverb to figure that one out.
00:21:21.82\00:21:24.42
Don't read it
now but in my blog,
00:21:24.45\00:21:25.68
in the bulletin
today on our website
00:21:25.71\00:21:27.38
which is coming
up on just a moment.
00:21:27.41\00:21:28.77
In my blog, New York
Times reported it today
00:21:28.80\00:21:32.64
"In the midst of this
global economic meltdown
00:21:32.67\00:21:35.81
that hedge fund
managers have been able to hold
00:21:35.84\00:21:40.99
their own the
great flourishing style."
00:21:41.02\00:21:43.15
Look at the billions--
the top 25 have each earned.
00:21:43.18\00:21:47.14
"The rich" we need
Proverb to figure this out.
00:21:50.14\00:21:52.49
"The rich rule over the poor."
00:21:52.52\00:21:53.55
But here comes the line
00:21:53.58\00:21:54.70
"And the borrower is
slave to the lender."
00:21:54.73\00:22:00.10
And you already
knew that, didn't you?
00:22:00.13\00:22:02.08
Yeah, the moment you owe
you're slave to whoever it is,
00:22:02.11\00:22:06.64
to whatever it is you owe.
00:22:06.67\00:22:08.58
All right, let's not--
00:22:08.61\00:22:10.48
let just the Old
Testament speak to us.
00:22:10.51\00:22:11.74
So let's go to
the New Testament.
00:22:11.77\00:22:12.80
Put another line there
Book of Romans 13, page 765.
00:22:12.83\00:22:20.13
Romans 13 it is
the New Testament.
00:22:20.16\00:22:24.83
We're trying to find
out secret number one.
00:22:24.86\00:22:26.39
Here is the New
Testament Word for us.
00:22:26.42\00:22:28.32
Romans Chapter 13
lets begin in verse 7.
00:22:28.35\00:22:31.50
Paul writing "Give to
everyone what you owe.
00:22:31.53\00:22:34.10
If you owe taxes, pay
taxes, if revenue, then revenue,
00:22:34.13\00:22:36.93
if respect, then
respect, if honor, then honor."
00:22:36.96\00:22:39.57
Now hold on because its verse 8.
00:22:39.60\00:22:41.62
"Let no debt remain outstanding,
00:22:41.65\00:22:45.00
except the continuing
debt to love one another,
00:22:45.03\00:22:48.83
for whoever loves
others has fulfilled the law."
00:22:48.86\00:22:53.30
There it is
ladies and gentlemen,
00:22:53.33\00:22:54.42
secret number one.
00:22:54.45\00:22:55.58
I tell you, hands down.
00:22:55.61\00:22:57.14
Any wise financial counselor
00:22:57.17\00:22:58.87
that I know from
the Late Larry Burkett
00:22:58.90\00:23:00.59
to the popular David Ramsey
00:23:00.62\00:23:02.12
they're univocal,
they speak in one voice.
00:23:02.15\00:23:06.27
This is the secret.
00:23:06.30\00:23:08.65
This secret is so critical
I need you to pull please
00:23:08.68\00:23:10.95
your pull out your study guide
from today's worship bulletin,
00:23:10.98\00:23:13.78
brand new study
guide, for a new mini series.
00:23:13.81\00:23:16.77
You're gonna
want this study guide.
00:23:16.80\00:23:17.90
If you didn't get a
bulletin, hold your hand up
00:23:17.93\00:23:19.65
our friendly ushers will
come by your way right now.
00:23:19.68\00:23:22.54
All the way to the
balcony and overflow as well.
00:23:22.57\00:23:26.94
Two very important lists
that you will want to have.
00:23:26.97\00:23:30.14
So hold your hand up
00:23:30.17\00:23:31.20
we'll get the
study guide to you.
00:23:31.23\00:23:32.53
And we're delighted
to have those of you
00:23:32.56\00:23:33.94
who are watching
right now on television
00:23:33.97\00:23:35.82
hope you'll be able to join
us for the entire mini series.
00:23:35.85\00:23:38.38
Let me put our
website on the screen for you
00:23:38.41\00:23:40.29
and you can go and get
this identical study guide,
00:23:40.32\00:23:43.48
www.pmchurch,
there you see it now,
00:23:43.51\00:23:47.39
www.pmchruch.tv,
Pioneer Memorial, pmchurch.tv.
00:23:47.42\00:23:54.18
You're looking for
the new mini series.
00:23:54.21\00:23:55.69
Four Secrets to Surviving
the Coming Economic Earthquake.
00:23:55.72\00:23:59.27
This is teaching number one.
00:23:59.30\00:24:00.44
Secret number one,
Shun It Like the Plague.
00:24:00.47\00:24:04.16
When you get the
secret number one
00:24:04.19\00:24:05.40
it will say study guide,
00:24:05.43\00:24:06.56
click on study guide
it'll be on you screen,
00:24:06.59\00:24:08.80
you can print it off,
fill it in right there
00:24:08.83\00:24:11.81
and be a part of this.
00:24:11.84\00:24:14.29
Everybody have a study guide.
00:24:14.32\00:24:15.89
All right let's
go, secret number one.
00:24:15.92\00:24:18.04
We'll call the
Secret number 1-A.
00:24:18.07\00:24:19.60
Get out of debt, all
right. Write that down.
00:24:19.63\00:24:23.14
It's a no
brainer. Get out of debt.
00:24:23.17\00:24:25.12
You're saying
"Dwight, what kind of debt?"
00:24:25.15\00:24:26.59
Write it down,
all debt-- all debt.
00:24:26.62\00:24:30.72
There are two kinds of debt.
00:24:30.75\00:24:31.78
I want to spend a few moments
00:24:31.81\00:24:33.09
reflecting over
with you right now.
00:24:33.12\00:24:35.97
Number 1, credit card debt.
00:24:36.00\00:24:37.53
Write that down,
credit card debt.
00:24:37.56\00:24:40.17
Have you ever
seen a grown man cry?
00:24:40.20\00:24:43.17
No-- I had a university student
00:24:43.20\00:24:46.31
in my office here in
the Pioneer Memorial Church.
00:24:46.34\00:24:48.91
He shared with
me the painful story
00:24:48.94\00:24:50.37
of how his
parents before he came off
00:24:50.40\00:24:51.91
to Andrews University
00:24:51.94\00:24:53.17
gave him a credit
card in their name.
00:24:53.20\00:24:57.08
And they said
"Son, you understand now
00:24:57.11\00:24:59.70
use this only in emergencies."
00:24:59.73\00:25:01.95
Do you know how
easy it is though
00:25:06.72\00:25:08.75
to type in those numbers
00:25:08.78\00:25:09.85
when you're online
into that little box
00:25:09.88\00:25:11.27
that asks for the
number just go ahead
00:25:11.30\00:25:13.07
and type them on in,
just type the umbers on in
00:25:13.10\00:25:15.17
and then there's
another box that says "submit"
00:25:15.20\00:25:17.29
and you can get a shopping cart
00:25:17.32\00:25:19.64
filled with the most
glorious trinkets and treasures
00:25:19.67\00:25:24.40
you've ever seen in
your life-- $50,000.
00:25:24.43\00:25:29.53
One study shows that 25%
of college students graduate
00:25:33.89\00:25:38.10
with $5,000 as
their credit card debt
00:25:38.13\00:25:40.79
when they get
out of school $5,000.
00:25:40.82\00:25:43.84
Okay, we want to
get out of credit card
00:25:43.87\00:25:45.10
because I'm not,
it isn't, trust me,
00:25:45.13\00:25:47.28
it's not only college
kids who are worried about
00:25:47.31\00:25:49.76
credit card debt it's all of us.
00:25:49.79\00:25:51.30
You want to get
out of credit card debt
00:25:51.33\00:25:52.72
I have called
from financial counsels
00:25:52.75\00:25:54.71
here are six, jot
them down six principles.
00:25:54.74\00:25:57.02
Six strategies to help you
get out the credit card debt.
00:25:57.05\00:25:59.25
Number 1, jot it down.
00:25:59.28\00:26:00.55
"Perform what David
Ramsey calls a 'plasectomy.'"
00:26:00.58\00:26:05.64
Put quotation box around it.
00:26:05.67\00:26:07.02
Plasectomy, cut up
the plastic in your life.
00:26:07.05\00:26:11.26
Financial counselors
to the men and women agree
00:26:11.29\00:26:14.17
the only way to eliminate
credit card debt is to quit
00:26:14.20\00:26:16.86
using your credit
cards, cash only please.
00:26:16.89\00:26:22.87
David Ramsey-- now fill
this out, this is fascinating.
00:26:22.90\00:26:25.65
"There is NO."
00:26:25.68\00:26:26.95
Now those who are his
caps put on the screen please.
00:26:26.98\00:26:29.00
"There is NO positive
side to credit card use.
00:26:29.03\00:26:33.24
You will spend 12-18% more
00:26:33.27\00:26:36.91
if you use credit
cards instead of cash."
00:26:36.94\00:26:39.26
Now look you see
somebody would saying listen,
00:26:39.29\00:26:42.51
"I'm paying my credit
card off every single months.
00:26:42.54\00:26:44.68
It's not a problem.
00:26:44.71\00:26:45.74
I don't have any
credit card debt."
00:26:45.77\00:26:47.47
Ah, good for you by the way
00:26:47.50\00:26:49.37
but the very fact that
when you going on to Wal-Mart
00:26:49.40\00:26:52.85
and you're not putting
three $20 bills on the counter
00:26:52.88\00:26:55.92
but you're
reaching into that wall
00:26:55.95\00:26:57.09
putting the piece of plastic
00:26:57.12\00:27:00.41
means you will spend 12-18% more
00:27:00.44\00:27:03.29
because it never
hurts to use this.
00:27:03.32\00:27:05.33
It kills me to
put down a single $20
00:27:05.36\00:27:08.18
but three of those green things.
00:27:08.21\00:27:10.81
Are you sure I need these?
00:27:10.84\00:27:15.46
That's his point.
00:27:15.49\00:27:17.51
Oh, but I thought
pastor, I thought we had to
00:27:17.54\00:27:19.41
you know be able to do
stuff online and rent a car.
00:27:19.44\00:27:21.09
Oh, keep reading.
00:27:21.12\00:27:22.15
"I suggest" Ramsey
goes on "a debit card
00:27:22.18\00:27:25.48
because it's right
straight at your cash pile.
00:27:25.51\00:27:28.33
If you have to use
plastic I suggest a debit card.
00:27:28.36\00:27:31.13
I use them for travel and
the occasional convenience
00:27:31.16\00:27:33.98
of ordering something
over the internet or phone.
00:27:34.01\00:27:35.97
Other than that I use cash."
00:27:36.00\00:27:40.29
All right here comes
Number 2, principle number 2,
00:27:40.32\00:27:42.59
secret number 2
getting rid of credit card debt
00:27:42.62\00:27:45.27
"Always pay more
than the minimum."
00:27:45.30\00:27:48.14
Keep writing, keep writing
00:27:48.17\00:27:49.90
"credit card
companies are loan sharks."
00:27:49.93\00:27:53.46
Trust me.
00:27:53.49\00:27:55.70
Their minimum
payment is designed
00:27:55.73\00:27:57.68
to keep you in their debt
00:27:57.71\00:27:59.17
for ever paying astronomical
interest in the process.
00:27:59.20\00:28:03.09
And by the way with
this current meltdown
00:28:03.12\00:28:04.83
guess what's happening
00:28:04.86\00:28:05.89
they're quietly
jacking up the rate.
00:28:05.92\00:28:07.93
And if you're not
reading the small print
00:28:07.96\00:28:09.63
you're paying
more and more and more
00:28:09.66\00:28:12.36
and you don't even know it.
00:28:12.39\00:28:14.26
You'll never get it out of
with minimum payment, please.
00:28:14.29\00:28:17.14
Number 3, "Pay
off your credit cards
00:28:17.17\00:28:18.85
beginning with
the lowest balance
00:28:18.88\00:28:21.15
in order to experience
success as soon as possible."
00:28:21.18\00:28:25.64
Somebody will say
well, I want to get rid
00:28:25.67\00:28:26.70
of the big one first.
00:28:26.73\00:28:27.76
No, no, no, start with
your smallest credit card
00:28:27.79\00:28:30.11
because you got to feel
like you're doing something.
00:28:30.14\00:28:32.81
Start with the
smallest that's good counsel.
00:28:32.84\00:28:35.32
You can do it.
Yep, you can do it.
00:28:35.35\00:28:37.12
Number 4, "Reduce
the interest rate."
00:28:37.15\00:28:39.48
The Motley Fool
that's the website
00:28:39.51\00:28:41.70
www.fool.com
00:28:41.73\00:28:43.73
notes that credit
card companies are so eager
00:28:43.76\00:28:46.86
to have your business
00:28:46.89\00:28:48.15
they will negotiate the
rates just you keep you coming.
00:28:48.18\00:28:51.55
Call their toll free number
and say "I want to lower rate.
00:28:51.58\00:28:55.18
I'm gonna pay this off
00:28:55.21\00:28:56.61
and get another credit
card with somebody else."
00:28:56.64\00:28:58.32
Boy, you'll get
it just like that.
00:28:58.35\00:29:00.46
James 4:2, "You have
not because you ask not."
00:29:00.49\00:29:04.02
A lot of stuff in life
you can get if you just ask.
00:29:04.05\00:29:07.40
No, I'm being-- this is
about life in general just ask,
00:29:07.43\00:29:10.44
just ask people, you'll be
surprised what you can get.
00:29:10.47\00:29:13.57
All right, secret
number 5 for credit card debt
00:29:13.60\00:29:15.99
"Beware that debt
settlement companies."
00:29:16.02\00:29:18.82
Ramsey describes these people
00:29:18.85\00:29:21.20
the majority of
them as hugely unethical.
00:29:21.23\00:29:24.19
They require their fees
upfront which will soak you.
00:29:24.22\00:29:26.44
They tell you, they tell you
to quit paying all your bills
00:29:26.47\00:29:29.18
which just ruin
your credit report.
00:29:29.21\00:29:31.40
They don't answer
the phone when you call.
00:29:31.43\00:29:32.67
The Federal Trade Commission
00:29:32.70\00:29:33.87
gets a heavy volume of
complaints from consumers
00:29:33.90\00:29:35.99
over these
organizations, don't do it.
00:29:36.02\00:29:37.71
Call the credit
card company up yourself.
00:29:37.74\00:29:40.31
They got a toll free number.
00:29:40.34\00:29:41.65
Call them and say I got it--
we got to do something here.
00:29:41.68\00:29:44.81
They are eager to hang on to you
00:29:44.84\00:29:48.05
and they will
make the adjustment.
00:29:48.08\00:29:49.90
By the way I was talking
to somebody this last week
00:29:49.93\00:29:51.42
who told me that
he heard an NPR Report
00:29:51.45\00:29:56.26
on these payday storefronts
00:29:56.29\00:29:58.96
you know they have in
downtowns all over America.
00:29:58.99\00:30:01.47
It's a big payday.
00:30:01.50\00:30:03.15
Stay away from them,
they'll eat you alive.
00:30:03.18\00:30:05.37
Don't ever go to them.
00:30:05.40\00:30:06.43
And finally,
Number 6 credit card debt
00:30:06.46\00:30:08.32
talk to somebody please.
00:30:08.35\00:30:11.60
Here's our James Scurlock
in this eye opening book
00:30:11.63\00:30:14.12
"Maxed Out" puts it.
00:30:14.15\00:30:16.21
You'll have it
there in your study guide.
00:30:16.24\00:30:17.69
"Maybe it's because
of what David Ramsey
00:30:17.72\00:30:19.61
calls the intense shame"
00:30:19.64\00:30:21.68
write that in "the intense shame
00:30:21.71\00:30:23.53
that everybody feels
about debt the false certainty
00:30:23.56\00:30:26.24
that everybody has it together."
00:30:26.27\00:30:27.72
Everybody else has
got it together but me.
00:30:27.75\00:30:31.50
People don't
know maybe that's why
00:30:31.53\00:30:34.20
or maybe it's what Bob
the Debtors Anonymous member
00:30:34.23\00:30:36.26
I interviewed, told me
00:30:36.29\00:30:37.54
"debt is simply not a
socially acceptable topic,
00:30:37.57\00:30:40.94
one can talk
about one's sex life
00:30:40.97\00:30:42.80
or even one's drug addiction
as thought it were fashionable
00:30:42.83\00:30:45.34
but owning up to
one's financial troubles
00:30:45.37\00:30:47.52
means being
ostracized from the world
00:30:47.55\00:30:49.67
of polite conversation."
00:30:49.70\00:30:52.12
Ladies and gentlemen,
00:30:52.15\00:30:53.20
we're gonna have
to get over the shame
00:30:53.23\00:30:56.69
and we're gonna
have to talk about it.
00:30:56.72\00:30:58.14
Talk to somebody
please. Don't suffer alone.
00:30:58.17\00:31:00.88
There is help.
00:31:00.91\00:31:03.63
The economic
crisis we're in right now
00:31:03.66\00:31:05.17
by the way has
turned both poppers
00:31:05.20\00:31:07.58
and millionaires into debtors.
00:31:07.61\00:31:10.12
If misery loves company
you got a lot of company now.
00:31:10.15\00:31:12.69
Talk about it.
00:31:12.72\00:31:14.51
In fact, jot that down
"It's the first step to help."
00:31:14.54\00:31:17.75
Here's the toll free
number call the National Council
00:31:17.78\00:31:20.46
for Consumer
Credit at 800-388-2227,
00:31:20.49\00:31:25.56
say, "I need help."
00:31:25.59\00:31:28.26
Financial counselor at
Todd Washburn, I like this.
00:31:28.29\00:31:30.57
"It is in
everybody's best interest
00:31:30.60\00:31:33.00
for you to be able
to pay your bills."
00:31:33.03\00:31:35.78
Pay it off, get it
off your credit record.
00:31:35.81\00:31:37.75
Just get it off. Pay it off.
00:31:37.78\00:31:40.44
Talk to somebody.
00:31:40.47\00:31:41.59
And by the way,
00:31:41.62\00:31:42.65
there are nonprofit
financial counseling services
00:31:42.68\00:31:45.43
and they generally
work on a sliding fee scale
00:31:45.46\00:31:48.29
that means whatever
your little income is
00:31:48.32\00:31:51.08
they'll adjust it.
00:31:51.11\00:31:52.14
They want to help
you. Just talk to somebody.
00:31:52.17\00:31:55.06
Don't suffer
alone. You can do it.
00:31:55.09\00:31:59.20
There's help on our way.
00:31:59.23\00:32:00.82
And by the way, if
you live here in Michigan
00:32:00.85\00:32:04.06
I have got some
great news for you.
00:32:04.09\00:32:05.78
Listen, to this
April 23, jot this down.
00:32:05.81\00:32:08.53
April 23, Thursday
evening 8 o'clock eastern time
00:32:08.56\00:32:13.67
we're going to have
him live coast to coast
00:32:13.70\00:32:16.55
and we're hosting
him Dave Ramsey "Live!"
00:32:16.58\00:32:19.50
Right here in the
Pioneer Memorial Church.
00:32:19.53\00:32:21.49
Go on his website
we're already registered
00:32:21.52\00:32:23.60
as a host church, the host site.
00:32:23.63\00:32:27.25
You got to come
00:32:27.28\00:32:28.31
because Ramsey is
gonna tackle the economy
00:32:28.34\00:32:30.11
as it is right now
00:32:30.14\00:32:31.39
and he's gonna
offer some practical help,
00:32:31.42\00:32:33.13
how to get through
this thing, how to survive?
00:32:33.16\00:32:36.04
Either I have to watch
your calling right now.
00:32:36.07\00:32:38.90
Jot that down.
April 23, Thursday 8 p.m.,
00:32:38.93\00:32:41.62
you're watching
here in Michigan,
00:32:41.65\00:32:42.84
you can make the long
drive come on up here,
00:32:42.87\00:32:44.98
come on up to
Andrews University,
00:32:45.01\00:32:46.15
Pioneer Memorial Church
we'll host this for you.
00:32:46.18\00:32:48.43
One hour, live,
emailed in questions
00:32:48.46\00:32:51.37
the whole nine
yards it's gonna be,
00:32:51.40\00:32:53.21
it's gonna be a very informative
00:32:53.24\00:32:55.50
and I believe helpful
evening, April 23 Thursday.
00:32:55.53\00:32:59.77
So that is ladies and gentlemen,
00:32:59.80\00:33:00.92
secret number
one, get out of debt.
00:33:00.95\00:33:02.56
What kind of debt? All debt?
00:33:02.59\00:33:03.92
Credit card debt.
00:33:03.95\00:33:05.09
Let's do one more kind
of debt student loan debt.
00:33:05.12\00:33:11.78
Two weeks ago
let me hold this up.
00:33:11.81\00:33:14.35
Two weeks ago
there's very informative
00:33:14.38\00:33:16.34
piece appeared in
the Adventist Review
00:33:16.37\00:33:18.01
entitled "College
Loan Crash Course."
00:33:18.04\00:33:20.60
How do avoid accumulating
debt in and out of school,
00:33:20.63\00:33:23.40
written by graduate Alita
Byrd not a graduate from here.
00:33:23.43\00:33:29.79
There is some
good stuff in here.
00:33:29.82\00:33:30.86
Let me read her opening story.
00:33:30.89\00:33:32.80
"Sarah, not her real name
00:33:32.83\00:33:34.21
graduated from an
Adventist college,
00:33:34.24\00:33:36.63
got a master's degree, and
then went to medical school
00:33:36.66\00:33:38.74
at Loma Linda
University in California.
00:33:38.77\00:33:40.73
She took out loans to
pay for her education,
00:33:40.76\00:33:42.91
living expenses, and
books, and she estimates
00:33:42.94\00:33:45.10
that she is now
$300,000 in student loan debt.
00:33:45.13\00:33:49.61
"I don't think" she says "I
will ever have it paid off."
00:33:49.64\00:33:52.61
If you think about it $300,000
she gone as it's like a house,
00:33:52.64\00:33:55.78
for a house, people
usually get a 30-year mortgage,
00:33:55.81\00:33:58.01
and in 30 years I will
be close to retirement.
00:33:58.04\00:34:02.10
She counsels Sarah
does students to think hard
00:34:02.13\00:34:04.29
about their futures
before starting graduate school.
00:34:04.32\00:34:06.60
"Don't start
grad school" she says,
00:34:06.63\00:34:08.68
"without knowing
your job in the end
00:34:08.71\00:34:10.61
will support the
cost of your education."
00:34:10.64\00:34:12.42
She goes on "and don't"
listen now this community
00:34:12.45\00:34:16.76
"don't go back to school
00:34:16.79\00:34:18.46
because you can't
find a job or your board."
00:34:18.49\00:34:22.45
It's not worth
it. It's not worth it.
00:34:22.48\00:34:25.88
Five secrets,
she is got it here.
00:34:25.91\00:34:28.20
I'm sharing with you.
00:34:28.23\00:34:29.26
Five secrets for
getting out of debt,
00:34:29.29\00:34:31.43
student life student loan debt.
00:34:31.46\00:34:35.29
Jot it down, Number 1
00:34:35.32\00:34:36.46
"Don't pay more than
you have to for college."
00:34:36.49\00:34:39.18
That means shop around.
00:34:39.21\00:34:42.00
Everybody in the
finance department
00:34:42.03\00:34:43.13
at Andrews University it
just sat up ram on straight.
00:34:43.16\00:34:49.03
What do you mean
shop around, Dwight?
00:34:49.06\00:34:52.21
Okay, 85% of
Adventist college students
00:34:52.24\00:34:56.70
have to receive
financial assistance, okay.
00:34:56.73\00:35:00.98
Now I like this she
quotes Vicki Thompson
00:35:01.01\00:35:03.59
our own Vicki Thompson
00:35:03.62\00:35:04.98
who is she is associate director
00:35:05.01\00:35:07.60
of student finance
at Andrews University.
00:35:07.63\00:35:09.03
So here is what Vicki is saying
00:35:09.06\00:35:10.10
listen to this,
this is practical.
00:35:10.13\00:35:12.94
If you need to start
00:35:12.97\00:35:14.83
the financial
application process early,
00:35:14.86\00:35:16.50
if you're a
senior in high school
00:35:16.53\00:35:17.56
we got some seniors here.
00:35:17.59\00:35:18.62
If you're senior in
high school start it now.
00:35:18.65\00:35:20.93
File for FAFSA
00:35:20.96\00:35:22.47
that's Free
Application for Student Aid.
00:35:22.50\00:35:24.87
My daughter is going to
college so she files for FAFSA
00:35:24.90\00:35:28.26
it incredible
government assistance.
00:35:28.29\00:35:31.01
Go for grants and
scholarships to the max
00:35:31.04\00:35:33.65
and please pursue
active employment on campus
00:35:33.68\00:35:36.11
and through the summer.
00:35:36.14\00:35:37.17
Some people get
so many student loans
00:35:37.20\00:35:38.59
they say, "listen,
I don't have to work.
00:35:38.62\00:35:39.98
I got loans."
00:35:40.01\00:35:41.04
No, you're crazy work here
and then work in the summer.
00:35:41.07\00:35:44.56
Don't go that far into debt.
00:35:44.59\00:35:46.09
You can control the amount
of debt you embrace, all right.
00:35:46.12\00:35:49.89
Number 2, jot it down
please "Live within your means."
00:35:49.92\00:35:54.11
Well, that makes sense.
00:35:54.14\00:35:55.34
This article points
out a lot of kids think
00:35:58.99\00:36:02.30
living within my means,
00:36:02.33\00:36:03.36
means I need to live
like mom and dad now live.
00:36:03.39\00:36:06.50
The counselors "don't
live like your parents do now.
00:36:06.53\00:36:10.12
You're not there yet."
00:36:10.15\00:36:11.25
Trust me when they were your age
00:36:11.28\00:36:13.05
they weren't living like this
00:36:13.08\00:36:15.69
and especially
when you came along.
00:36:15.72\00:36:17.18
"Live within your
means." Start out small.
00:36:20.54\00:36:26.44
Number 3,
"Prioritize your debt."
00:36:26.47\00:36:29.87
That's good.
00:36:29.90\00:36:30.93
You know, what
she is suggesting?
00:36:30.96\00:36:31.99
She is saying listen pay
off your credit cards first
00:36:32.02\00:36:34.97
because it's high interest debt.
00:36:35.00\00:36:36.70
Get rid of the high interest.
00:36:36.73\00:36:38.43
In fact, she points out
you know your student loan
00:36:38.46\00:36:40.42
is probably one of
the lowest interest rates
00:36:40.45\00:36:42.30
in the nation right now.
00:36:42.33\00:36:43.47
Save the student loan for last
00:36:43.50\00:36:46.45
because you need to
payoff what's eating you.
00:36:46.48\00:36:48.27
It's the highest
stuff. And that makes sense.
00:36:48.30\00:36:51.52
And by the way she says
don't even start to saving yet.
00:36:51.55\00:36:54.54
Payoff the high debt first
00:36:54.57\00:36:55.90
because you know savings account
00:36:55.93\00:36:57.45
now the interest is so low.
00:36:57.48\00:36:59.11
You got a higher
interest on your debt
00:36:59.14\00:37:00.96
than the savings
do the debt first
00:37:00.99\00:37:03.02
then end up with the savings.
00:37:03.05\00:37:04.28
Good counsel.
00:37:04.31\00:37:05.82
So that's Number 3,
"Prioritize your debt."
00:37:05.85\00:37:07.44
Number 4, "Avoid impulse
purchases save before you buy."
00:37:07.47\00:37:12.13
And here is what she's thinking.
00:37:12.16\00:37:13.19
Okay, so you just
have to have something.
00:37:13.22\00:37:15.34
You know you start a little home
00:37:15.37\00:37:16.58
and you gonna have
to have something there.
00:37:16.61\00:37:19.13
So what she recommends is
take the amount of payment
00:37:19.16\00:37:24.27
that would cost
you, a monthly payment,
00:37:24.30\00:37:26.68
try it for a few months.
00:37:26.71\00:37:28.03
Just take it out of
your budget put it away see,
00:37:28.06\00:37:30.90
if you can survive
with the $100 less a month
00:37:30.93\00:37:33.24
on my present income.
00:37:33.27\00:37:34.30
If you can still survive,
yes, if you can hold off.
00:37:34.33\00:37:37.04
You don't have to
have what you think
00:37:37.07\00:37:38.91
you have to have all the time.
00:37:38.94\00:37:41.13
That's the point.
00:37:41.16\00:37:42.19
And finally Number 5,
00:37:42.22\00:37:43.88
we have already
talked about this.
00:37:43.91\00:37:44.94
She says "Use your
credit card wisely.
00:37:44.97\00:37:47.39
It is not a tool." I like this.
00:37:47.42\00:37:49.39
"It is not a tool to buy
things you can't afford."
00:37:49.42\00:37:54.35
It's not what is four.
00:37:54.38\00:37:55.69
Bottom line, "A good
education is an investment
00:37:55.72\00:37:58.76
you will reap for
the rest of your life.
00:37:58.79\00:38:00.59
Just don't spend the rest
of your life paying it off."
00:38:00.62\00:38:05.82
And there it is
ladies and gentlemen,
00:38:05.85\00:38:06.88
secret number
one, get out of debt.
00:38:06.91\00:38:09.07
Credit card debt,
student loan debt,
00:38:09.10\00:38:10.92
auto loan debt,
home mortgage debt,
00:38:10.95\00:38:14.27
medical expenses
debt it doesn't matter
00:38:14.30\00:38:16.67
how the debt was incurred
just get out of that debt.
00:38:16.70\00:38:22.42
Proverbs 22:7
write it in this time
00:38:22.45\00:38:24.36
"The borrower is
slave to the lender."
00:38:24.39\00:38:28.07
And in Romans 13:8,
00:38:28.10\00:38:29.22
"Let no debt
remain outstanding."
00:38:29.25\00:38:32.56
Now I like that
because the Old King James
00:38:32.59\00:38:34.72
rendered it this way.
00:38:34.75\00:38:35.78
"Owe no man anything."
00:38:35.81\00:38:37.10
Hey, come on that impractical.
00:38:37.13\00:38:38.53
We're all gonna incur
debt somewhere along the way.
00:38:38.56\00:38:41.11
But I like the
way that TNIV puts it.
00:38:41.14\00:38:43.22
Don't let that debt remain
outstanding on and on and on.
00:38:43.25\00:38:46.20
Just stop it,
just get it over with.
00:38:46.23\00:38:48.72
And don't forget April 23,
00:38:48.75\00:38:49.85
you're living in this region
April 23, Dave Ramsey live.
00:38:49.88\00:38:53.50
Hey, but give me, a
give me a 1-B on this one.
00:38:53.53\00:38:55.93
Secret 1-B--
1-A get out to debt,
00:38:55.96\00:39:00.40
1-B stay out of debt.
00:39:00.43\00:39:02.12
Write that in
please "Stay out of debt."
00:39:02.15\00:39:03.80
And by the way
keep your pen moving.
00:39:03.83\00:39:05.14
"The best way to do that is
to quit looking at the ads."
00:39:05.17\00:39:10.08
Quit looking at them.
00:39:10.11\00:39:12.00
I want to listen to a very
bright advertising executive.
00:39:12.03\00:39:14.94
In fact, he was president
00:39:14.97\00:39:16.06
of one of the top
advertising agencies
00:39:16.09\00:39:18.12
in the US in San Francisco,
Freeman, Mander and Gossage.
00:39:18.15\00:39:21.58
This is Jerry
Mander, former president.
00:39:21.61\00:39:25.02
Listen to this you
got it in your study guide
00:39:25.05\00:39:26.98
"Advertising
exists only to purvey
00:39:27.01\00:39:29.33
what people don't need."
00:39:29.36\00:39:32.90
This is so true?
00:39:32.93\00:39:33.96
"Whatever people do need
00:39:33.99\00:39:36.37
they will find
without advertising."
00:39:36.40\00:39:39.02
Hey, listen, when I get hungry
00:39:39.05\00:39:40.77
do I have to
turn to TV and I say
00:39:40.80\00:39:42.14
what do I do of this hungry?
00:39:42.17\00:39:44.50
Oh, what shall I do?
Television, tell me please.
00:39:44.53\00:39:49.58
When I'm cold do I
get a magazine and say
00:39:49.61\00:39:52.12
what I do now.
00:39:52.15\00:39:53.18
No, I know you just put a
coat on that's all you do.
00:39:53.21\00:39:56.13
When I'm sick do
I need a television
00:39:56.16\00:39:59.49
and tell me to get Kleenex.
00:39:59.52\00:40:00.55
Are you kidding?
00:40:00.58\00:40:01.61
If I'm sick I can blow my
nose in my hand if I want to.
00:40:01.64\00:40:05.23
I don't have to go to
where they say I have to go.
00:40:05.26\00:40:09.01
That's the whole point,
00:40:09.04\00:40:10.37
ladies and
gentlemen, of advertising.
00:40:10.40\00:40:12.46
It makes you want
what you don't need
00:40:12.49\00:40:16.79
because if you
needed it you've gotten it.
00:40:16.82\00:40:19.74
You get it.
00:40:19.77\00:40:22.09
All right, so Mander goes on.
00:40:22.12\00:40:23.56
"The goal of advertising
00:40:23.59\00:40:24.95
is discontent or,
to put it another way,
00:40:24.98\00:40:27.51
and internal
scarcity of contentment."
00:40:27.54\00:40:31.29
Well, I like that.
00:40:31.32\00:40:32.35
The whole point
is getting me to buy
00:40:32.38\00:40:34.30
what I don't need to buy.
00:40:34.33\00:40:35.36
I just got to have
that iPhone slung on my hip.
00:40:35.39\00:40:37.29
I got to have that iPhone.
00:40:37.32\00:40:39.02
I just got to wear those
Abercrombie and Fitch jeans
00:40:39.05\00:40:42.08
well, I'm not well dressed.
00:40:42.11\00:40:44.16
Who comes up with this stuff?
00:40:44.19\00:40:45.86
And so we buy
what we don't need.
00:40:49.00\00:40:52.14
We charge today what
we will want tomorrow
00:40:52.17\00:40:55.03
we go into debt only
to stay discontented.
00:40:55.06\00:41:00.58
But we're paying too
high far too higher price
00:41:00.61\00:41:04.55
for the more that no
longer seems like much.
00:41:04.58\00:41:10.75
So how, how do I free myself?
00:41:10.78\00:41:15.28
How do I release myself
00:41:15.31\00:41:16.58
from the hypnotic
chant of Madison Avenue?
00:41:16.61\00:41:20.72
How do I pull away. Here it is.
00:41:20.75\00:41:23.27
We began with these words
I read them in your hearing.
00:41:23.30\00:41:25.65
Let's go back
there we'll end there
00:41:25.68\00:41:26.89
Philippians Chapter 4.
00:41:26.92\00:41:28.52
Go to Philippians 4.
00:41:28.55\00:41:31.14
Listen to this it,
this, this is it, here it is.
00:41:31.17\00:41:34.26
Philippians Chapter 4,
pick it up in verse 11.
00:41:34.29\00:41:39.74
Philippians 4-- by
the way Paul is in prison.
00:41:39.77\00:41:43.44
Okay, he is in jail.
00:41:43.47\00:41:46.06
He is in dungeon
as he is writing this.
00:41:46.09\00:41:48.81
Philippians Chapter 4
let's pick it up in verse 11.
00:41:48.84\00:41:54.45
Paul writing, "I'm not
saying this because I'm in need,
00:41:54.48\00:41:58.41
for I have learned
00:41:58.44\00:42:01.01
to be content
whatever the circumstances."
00:42:01.04\00:42:06.50
Verse 12, "I know
what it is to be in need,
00:42:06.53\00:42:09.17
and I know what
it is to have plenty.
00:42:09.20\00:42:10.88
I have learned the
secret of being content
00:42:10.91\00:42:13.26
in any and every situation,
whether well fed or hungry,
00:42:13.29\00:42:17.14
whether living in
plenty or in want."
00:42:17.17\00:42:20.85
Verse 19 now.
00:42:20.88\00:42:22.98
"And so my God
will meet all your needs
00:42:23.01\00:42:29.44
according to the riches of
his glory in Christ Jesus."
00:42:29.47\00:42:37.01
There it is
ladies and gentlemen,
00:42:37.04\00:42:38.83
the secret to
staying out of debt.
00:42:38.86\00:42:41.38
The secret to
staying out of debt
00:42:41.41\00:42:44.94
is an attitude of contentment.
00:42:44.97\00:42:47.19
Would you write
that down please?
00:42:47.22\00:42:48.77
"I have learned the
secret of being content."
00:42:48.80\00:42:54.87
You see contentment
is a quite state of mind
00:42:54.90\00:42:58.82
based upon a simple way of life.
00:42:58.85\00:43:03.06
Please come visit Karen
and me any time you wish
00:43:06.06\00:43:08.56
but when you come to visit us
00:43:08.59\00:43:09.96
don't ask to see
our garage, please.
00:43:09.99\00:43:15.34
Is this true the
amount of storage space
00:43:15.37\00:43:18.49
in your home is
inversely proportional
00:43:18.52\00:43:20.76
to the length of time
you've spent in that home.
00:43:20.79\00:43:23.06
Maybe we're just
materialistic packrats
00:43:27.96\00:43:31.04
but the stuff we had to have
00:43:31.07\00:43:35.32
is not a stuff we have to store.
00:43:35.35\00:43:39.15
We must open up a store
00:43:39.18\00:43:40.39
that's what we
ought to do, contentment.
00:43:40.42\00:43:44.75
Contentment is a
quite state of mind
00:43:44.78\00:43:48.33
based upon a simple way of life.
00:43:48.36\00:43:51.85
It will keep you out of debt.
00:43:51.88\00:43:53.82
Either some of you
have got out of debt
00:43:53.85\00:43:55.31
over and over and over again.
00:43:55.34\00:43:58.39
It's time to say no more. I
don't need that bigger house.
00:43:58.42\00:44:03.98
I don't need that new car.
I don't need that wardrobe.
00:44:04.01\00:44:09.01
I don't need that
toy. Stay out of debts.
00:44:09.04\00:44:13.35
Contentment is a
quite state of mind
00:44:13.38\00:44:17.86
based upon a simple way of life.
00:44:17.89\00:44:21.81
Paul was not Zen Buddhist.
00:44:21.84\00:44:24.49
Paul is a radical
follower of Jesus Christ
00:44:24.52\00:44:27.42
and he learned
what matters most.
00:44:27.45\00:44:30.44
What matters most for me
00:44:30.47\00:44:32.42
is that I will be contented
with whatever I have be it much
00:44:32.45\00:44:35.88
or little and his promise
00:44:35.91\00:44:37.83
my God will fill all your
needs according to his riches
00:44:37.86\00:44:43.62
in Christ Jesus
is our promise too.
00:44:43.65\00:44:46.75
You see when you
reduce your wants--
00:44:46.78\00:44:48.46
and by the way
notice what he says.
00:44:48.49\00:44:49.99
My God will
supply all your needs.
00:44:50.02\00:44:53.43
It is every wish
you have every desire
00:44:53.46\00:44:55.58
and longing of your
heart God will fill, never.
00:44:55.61\00:44:59.08
My God will fill all your needs.
00:44:59.11\00:45:02.89
Contentment is a
quite state of mind
00:45:02.92\00:45:07.43
that is the fruit of
a simple way of life.
00:45:07.46\00:45:12.33
You don't need it,
00:45:12.36\00:45:13.39
you don't have
to have all of that.
00:45:13.42\00:45:16.72
Get out of debt.
Stay out of debt.
00:45:16.75\00:45:19.39
And finally let's just slip
this in, "Live out of debt."
00:45:19.42\00:45:25.41
I live out of a sense
of indebtedness to whom?
00:45:25.44\00:45:30.26
P.T. Forsyth,
00:45:30.29\00:45:31.32
the New Testament
theologian from last century
00:45:31.35\00:45:32.97
once wrote that the
most common emotion expressed
00:45:33.00\00:45:36.57
in the New Testament is
a sense of indebtedness.
00:45:36.60\00:45:42.44
That's the most common
emotion in the New Testament.
00:45:42.47\00:45:44.64
Somebody has paid
off my debt in full
00:45:44.67\00:45:48.50
and I'm free now
forever and ever, amen.
00:45:48.53\00:45:53.04
That's good debt.
00:45:53.07\00:45:54.13
There is no other
such debt called good.
00:45:54.16\00:45:58.13
They'll fool you
if you think there is.
00:45:58.16\00:46:00.89
There is only one
good debt in the universe
00:46:00.92\00:46:03.86
and that's debt to Him.
00:46:03.89\00:46:04.98
Oh, boy, I love this from
Desire of Ages, fill it in.
00:46:05.01\00:46:07.67
And the gift of
Christ-- look at this,
00:46:07.70\00:46:09.06
look what God has done for us.
00:46:09.09\00:46:10.77
"The whole
treasury" isn't this some,
00:46:10.80\00:46:13.59
can you believe this?
00:46:13.62\00:46:14.65
"The whole treasury of heaven
00:46:14.68\00:46:16.95
is open to those
God seeks to save.
00:46:16.98\00:46:19.80
Having collected the
riches of the universe,
00:46:19.83\00:46:24.39
and laid open the
resources of infinite power.
00:46:24.42\00:46:27.56
God gives them all
into the hands of Christ
00:46:27.59\00:46:29.55
and he says all
these are for man and women
00:46:29.58\00:46:31.75
use these gifts to convince them
00:46:31.78\00:46:33.52
that there is no love greater
than Mine in earth or heaven.
00:46:33.55\00:46:36.63
Their greatest happiness
will be found in loving Me."
00:46:36.66\00:46:42.63
Ladies and gentlemen,
everything in the universe
00:46:42.66\00:46:45.53
was poured out in
Lord's gift at Calvary.
00:46:45.56\00:46:50.01
You got it all.
00:46:50.04\00:46:51.23
Already you already have it all.
00:46:51.26\00:46:56.38
So you and I can now live.
00:46:56.41\00:46:57.70
I'm telling you we can live
with a genuine spirit of joy
00:46:57.73\00:47:02.08
and gratitude for being indebted
00:47:02.11\00:47:03.99
to Him forever and ever.
00:47:04.02\00:47:06.87
Good debt. Great God.
00:47:06.90\00:47:10.84
Glorious cross.
00:47:10.87\00:47:13.84
Get out of debt.
Stay out of debt.
00:47:13.87\00:47:19.15
Live out of debt
and through it all.
00:47:19.18\00:47:21.83
I promise you, I promise
you God will take care of you.
00:47:21.86\00:47:28.01
Yes, He will.
He'll take care of it.
00:47:28.04\00:47:29.82
So I was jogging
the other day indoors,
00:47:29.85\00:47:33.09
it was wet I
couldn't run outside.
00:47:33.12\00:47:36.15
Our treadmill is
downstairs faces the window.
00:47:36.18\00:47:40.05
And on that great morning
00:47:40.08\00:47:41.47
and I'm looking out at
this leafless apple tree
00:47:41.50\00:47:46.27
and I'm working
through in my mind
00:47:46.30\00:47:47.99
as I'm running on that treadmill
00:47:48.02\00:47:49.48
brooding over some
difficult circumstances
00:47:49.51\00:47:51.91
and wrestling with God over
00:47:51.94\00:47:54.43
how this is all
going to turn out
00:47:54.46\00:47:56.49
and you know how it works.
00:47:56.52\00:47:58.89
If you brood over
something long enough
00:47:58.92\00:48:00.50
it just gets
heavier, heavier and heavier.
00:48:00.53\00:48:05.90
And suddenly out of
nowhere to blue jays
00:48:05.93\00:48:11.36
land one of those
rain dripping branches.
00:48:11.39\00:48:16.65
And I'm staring
at them as I run.
00:48:16.68\00:48:21.67
They hop from branch to branch
until they were both facing me.
00:48:21.70\00:48:27.41
I'm as if they
were saying hey boy,
00:48:27.44\00:48:30.30
look at us for a
moment and I did.
00:48:30.33\00:48:35.09
I looked at them even
in the grey light of that
00:48:35.12\00:48:37.49
early hour the translucent blue
00:48:37.52\00:48:40.19
streak glow in the rain.
00:48:40.22\00:48:45.77
I'm looking at
them and I'm saying
00:48:45.80\00:48:46.83
hey, wait a minute.
00:48:46.86\00:48:49.20
Are they worried about
some, did they look anxious?
00:48:49.23\00:48:53.66
Hey, wait a minute,
00:48:58.25\00:49:00.63
didn't the God who created them
00:49:00.66\00:49:05.61
isn't He my
heavenly Father as well.
00:49:05.64\00:49:07.66
Do they have to sow and reap
00:49:07.69\00:49:09.36
and find barns
to store their food?
00:49:09.39\00:49:11.64
No, and if they can
trust my heavenly Father
00:49:11.67\00:49:17.73
can't I trust Him even more.
00:49:17.76\00:49:21.75
Because am I not more valuable
than two little blue jays.
00:49:21.78\00:49:29.48
And that they flew away
00:49:29.51\00:49:32.99
but not before
God made His point.
00:49:33.02\00:49:37.62
Hey, my God,
00:49:37.65\00:49:41.16
my God will fill all your needs
00:49:41.19\00:49:46.34
according to His riches
in glory in Christ Jesus.
00:49:46.37\00:49:50.81
I need to tell you my
friend, God, I promise you
00:49:50.84\00:49:55.73
God will take care of you.
00:49:55.76\00:50:03.19
God will take care of you
00:50:03.22\00:50:07.04
through every
day or all the way.
00:50:07.07\00:50:10.57
He will take care of you.
God will take care of you.
00:50:10.60\00:50:16.71
I realize that
some of you here today
00:50:16.74\00:50:21.64
are facing daunting debt.
00:50:21.67\00:50:25.22
Some of you are
out of work right now.
00:50:30.76\00:50:37.00
Like the national
debt your debt is mounting.
00:50:37.03\00:50:40.75
Some of you own a business
00:50:43.77\00:50:45.53
that is on the
brink of bankruptcy.
00:50:45.56\00:50:50.22
Some of you are
seniors facing graduation
00:50:50.25\00:50:54.49
in just a few weeks
00:50:54.52\00:50:56.72
without the
prospect of any work at all.
00:50:56.75\00:51:01.73
Some of you have
mounting medical expenses
00:51:01.76\00:51:04.97
and they just keep
getting and higher and higher.
00:51:05.00\00:51:07.45
Some of you-- your life
feels like it's out of control.
00:51:07.48\00:51:13.49
My God will fill all your needs
00:51:13.52\00:51:19.07
according to his
riches in Christ Jesus.
00:51:19.10\00:51:22.57
I promise you, trust Him
00:51:22.60\00:51:25.29
and God will take care of you.
00:51:25.32\00:51:30.77
Right now I want you please
00:51:30.80\00:51:34.27
to listen to the
people on either side of you
00:51:34.30\00:51:37.53
they are gonna minister
to you right now, they will.
00:51:37.56\00:51:40.05
Listen to what they're saying.
00:51:40.08\00:51:43.13
They are gonna speak
words of hope and courage to you
00:51:43.16\00:51:46.68
as they sing that old,
00:51:46.71\00:51:48.31
old gospel hymn "God
Will Take Care of You."
00:51:48.34\00:51:52.11
As they sing, now seriously,
listen, listen, as they sing
00:51:52.14\00:51:56.32
you listen to them
they're signing it to you
00:51:56.35\00:52:00.03
and you might be
signing it to them.
00:52:00.06\00:52:04.08
God really will
take care of you.
00:52:04.11\00:52:06.40
Let's stand and
let's sing that together.
00:52:06.43\00:52:08.53
Be not dismayed whate'er betide
00:52:50.83\00:52:55.77
God will take care of you
00:52:55.80\00:53:00.77
Beneath His wings of love abide
00:53:00.80\00:53:06.28
God will take care of you
00:53:06.31\00:53:11.65
God will take care of you
00:53:11.68\00:53:16.84
Through every
day, o'er all the way
00:53:16.87\00:53:22.27
He will take care of you
00:53:22.30\00:53:29.24
God will take care of you
00:53:29.27\00:53:33.45
Through days of
toil when heart doth fail
00:53:36.39\00:53:41.69
God will take care of you
00:53:41.72\00:53:47.12
When dangers
fierce your path assail
00:53:47.15\00:53:52.43
God will take care of you
00:53:52.46\00:53:57.99
God will take care of you
00:53:58.02\00:54:03.16
Through every
day, o'er all the way
00:54:03.19\00:54:08.69
He will take care of you
00:54:08.72\00:54:15.58
God will take care of you
00:54:15.61\00:54:20.19
All you may need He will provide
00:54:23.29\00:54:28.51
God will take care of you
00:54:28.54\00:54:34.15
Nothing you ask will be denied
00:54:34.18\00:54:39.69
God will take care of you
00:54:39.72\00:54:45.18
God will take care of you
00:54:45.21\00:54:50.61
Through every
day, o'er all the way
00:54:50.64\00:54:56.05
He will take care of you
00:54:56.08\00:55:02.79
God will take care of you
00:55:02.82\00:55:10.12
No matter what may be the test
00:55:10.15\00:55:15.85
God will take care of you
00:55:15.88\00:55:21.28
Lean, weary one, upon His breast
00:55:21.31\00:55:27.28
God will take care of you
00:55:27.31\00:55:33.11
God will take care of you
00:55:33.14\00:55:38.87
Through every
day, o'er all the way
00:55:38.90\00:55:45.16
He will take care of you
00:55:45.19\00:55:51.06
God will take care of you
00:55:53.31\00:56:00.18
And my God will
meet all your needs.
00:56:04.60\00:56:08.22
According to the riches
of his glory in Christ Jesus
00:56:08.25\00:56:12.16
to our God and Father
be glory forever and ever.
00:56:12.19\00:56:17.22
And the grace of
the Lord Jesus Christ
00:56:17.25\00:56:19.14
be with your spirit, amen.
00:56:19.17\00:56:22.54
I like to take a moment here
00:56:25.40\00:56:26.44
at the end of the
service to tell you about
00:56:26.47\00:56:27.75
one of the most
important groups of people
00:56:27.78\00:56:29.85
that make this
ministry possible.
00:56:29.88\00:56:32.76
There're team of
people they're not afraid
00:56:32.79\00:56:34.81
to get down into
the thick of life itself
00:56:34.84\00:56:37.93
which is why
you're gonna find them.
00:56:37.96\00:56:39.09
You will find them
moving forward on their knees.
00:56:39.12\00:56:42.43
They're prayer partners,
a group of men and women
00:56:42.46\00:56:45.11
and young adults who believe
00:56:45.14\00:56:48.02
that there is
humble television ministry
00:56:48.05\00:56:50.13
has been raised up by
God for such a time as this.
00:56:50.16\00:56:52.60
And so pray earnestly
that God will use the preacher,
00:56:52.63\00:56:55.95
that God will use
me, that God would use
00:56:55.98\00:56:57.58
the countless other
volunteers to spread
00:56:57.61\00:57:00.67
the everlasting gospel
and the Word of God in ways
00:57:00.70\00:57:02.88
we could never
have imagined before.
00:57:02.91\00:57:04.98
There are the
ones who are praying
00:57:05.01\00:57:06.66
that God is gonna open
up the hearts of people,
00:57:06.69\00:57:09.78
open up the hearts of viewers
00:57:09.81\00:57:11.38
around the
world for the message,
00:57:11.41\00:57:13.41
the critical message for
this end time generation.
00:57:13.44\00:57:17.56
And what I would
like to do is ask you
00:57:17.59\00:57:19.65
would you be willing to
be a prayer partner with us,
00:57:19.68\00:57:22.34
a prayer partner
with new perceptions?
00:57:22.37\00:57:24.02
You don't have to
call it toll free number.
00:57:24.05\00:57:25.70
You don't have to
go online to register.
00:57:25.73\00:57:27.75
All I need to know is that
00:57:27.78\00:57:29.29
you'd willing to lift
this little ministry up
00:57:29.32\00:57:34.18
day after day after day.
00:57:34.21\00:57:36.34
Pray that somehow
through radio and television
00:57:36.37\00:57:39.46
and the web God
will open up new doors,
00:57:39.49\00:57:41.96
new, new regions on earth
00:57:41.99\00:57:44.56
where the everlasting
Gospel can be proclaimed.
00:57:44.59\00:57:47.19
There is no
question the power of prayer
00:57:47.22\00:57:49.81
has potential to take
this ministry to places
00:57:49.84\00:57:52.00
we could never
have imagined before.
00:57:52.03\00:57:54.87
So that's it would
you please be willing
00:57:54.90\00:57:57.98
to partner with me in prayer?
00:57:58.01\00:57:59.57
The times are
urgent, the need is critical
00:57:59.60\00:58:03.26
and I hope you'll say, yes.
00:58:03.29\00:58:05.11
Till we're together in next time
00:58:05.14\00:58:07.27
may the prayer answering God
00:58:07.30\00:58:09.36
accompany you
every step of the way.
00:58:09.39\00:58:12.45