RCCG Freedom Centre Rotherham
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ABOUT RCCG FREEDOM CENTRE ROTHERHAM
Welcome, dear friend, to our Online Worship Experience. We are so glad you took the time to visit our channel, and we pray that Deliverance, Breakthrough, Excellence and Abundance are yours in Jesus name.
We are a Redeemed Christian Church of God (RCCG) branch based in Rotherham, United Kingdom.
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CHAPTERS
[Music] you are you are [Music] worthy you are wonderful you the champion of the H St the captain of the captain of my [Music] DES in you alone I make my you re you re you rain Al Lord as Lord the champion of the champion of the host the of the captain of my Des oh in you alone in you alone I make my Lord you reain you reain Al Lord as Lord oh he the champion of [Music] go is the captain of the captain of my Des oh in you are Lord make brening you re you reain you reain alone as [Music] Lord I stand amaz in your [Music] presence there is nothing you canot do I stand aaz I stand aaz in your presence there is Joy there is joy peace and there’s no one like you Jesus no no one like him there’s no one like you in all the There’s No One Like You Jesus there’s no one like you you do Mighty things you do glorious things you’re a faithful God awesome oh you do my you do my things you do glorious things you’re a faithful God awesome is your oh you do Mighty you do might Oh Glory he faithful of our praise and our worship just lift up your hands and say Lord we thank you for today he’s doing Mighty things he keeps doing Mighty things you give him all the praise give him all the worship from the depth of your heart say Lord thank you for today thank you for bringing us into your house once more Lord to celebrate with a manome you do Mighty things you do Mighty you do GL yes you’re a faithful God awesome is your name Hallelujah [Music] Hallelujah are you ready to dance and praise the King of Kings the men in the house shout hallelujah hallelujah the men in the house we are here to celebrate with you today shout hallelujah that Hallelujah is too small for my king of kings The God Who was who is and is to come the god that has kept us alive we are in the sixth month of the year and there’s been no bad news so if you believe in that same God the one who come here to praise and worship the one that has kept us from February to June shout [Music] hallelujah [Music] amen we’re going to dance and praise the King of Kings the Lord of Lord put on your dancing shoes amen I will exalt you Lord for thou Has Lifted Me above my enemy Your Banner Over Me Lord I will exalt you Lord I will I will Ex you Lord He Has Lifted Me hallelujah hallelujah I know we are used to H keyboard drum trumpet and everything today we are doing it a capella style so you’re going to use your voice you’re going to use your hands I mean let people outside know that there’s something happening here tonight amen I will exalt you Lord for thou Has Lifted Me above my enemy Your Banner Over Me God I will exalt you Lord I will EXT you Lord you have lifted me your B I will exalt you Lord I will let go I will exalt your name you have lifted up above our eny your bner over me I will exalt you Lord I will exalt you Lord I will exalt your name for you have lifted me you have lifted me above my head me your B over me is Lord I will exalt you Lord I will let you [Music] Lord above my enemy you’re better over love I will exalt you Lord I will exalt you Lord for you have lifted me you have lifted me above my enemies your today I will lift up my voice in pray to say oh I will lift up my voice in Praise more I know more I know more I know you are always there for me almighty God almighty God you’re my only know no matter what I face no matter what I face my way I will praise you Lord what shall we do today today oh I lift up my voice in Praise what shall we do today today oh I will lift up my voice in praise for I know I know for I know you are all with me there for me almighty God almighty God you’re my all in [Music] know no matter what I say when sucess comes my way will praise you Lord you alone are worthy Lord you alone are worthy you alone are worthy to be praised and you alone are worthy Lord you are worthy Lord you Al not worthy Lord to be prais and adore you’ve been faithful God you’ve been faithful Lord if you believe you have been faithful clap your hands to the glory of [Music] God that is why your [Music] name is forever more you alone are worthy Lord you alone are worthy Lord you alone are worthy to be praised and you alone are worthy you alone are worthy Lord to be praised and adore youve been faithful Lord you’ve been faithful Lord from thees by that is by your name is forever more father to you all be all the glory to you Lord be all the to you Jesus be all glory and adoration forever more father I do you are be of the glory oh take all the glory be all the H Lord we worship you be all the glory and adoration forever more father to you are be all the glory to you Lord be all the honor to you Jesus be all the glory and adoration forever more je Reign he Reign he Reign Hallelujah clap your hands to the glory of God he rigns on high amen je Reign he Reign he Reign Reign he Reign he Reign My Redeemer he Reign he Reign re He reigns He reigns you are lifted up above all the god oh you are lifted up above God your name is lifted up above all the God your name is lifted up above all the God above all the God above all the gods oh above all the gods above all the gods your name is lifted up above all the God your name is lifted up above all [Music] the he Reign he Reign he Reign he Reign My Savior Reign he Reign he Reign my Jesus Reign He reigns He reigns you are lifted up above other God oh you are lifted up above all the oh you are lifted up above all the god oh you are lifted up above all the God hallelujah hallelujah He Reigns on night amen we give him all the praise for today we worship him for his mercies just begin to bless the name of the Lord give him all the praise give him all the worship give him all the Adoration he is a good god he’s a merciful god he’s been our father from time till today he has not failed he will never fail he has promised he will never [Music] fail I will follow him he has BR he will never fail his faithfulness is forever more his faithfulness is forever if you know he has promised you something and he has not failed even when you feel like giving up sing that song from the depth of your heart give him all of Praise say father we thank [Music] you and I will follow him I will [Music] follow he he will never [Music] [Applause] his is forever more his faithful [Music] man is forever what manner of man is Jesus [Music] hallelujah what manner of man is Jesus hallelujah oh we say what manner of man is Jesus H oh what man m is Jesus [Applause] [Music] Hallelujah he made all lamb to walk Hallelujah he made our death to heal [Music] hallelujah hallelujah Hall Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah Hallelujah [Music] hallelujah hallelujah hallelujah [Music] hallelujah amen hallelujah hallelujah hallelujah aen [Music] you can all have your seats um I’d like to welcome all of you um to the very first part of the camps conference for 20124 we have three days today um we have um very excellent teaching I think I will start first by just um acknowledging pastor babalola and Pastor Mrs babalola who have very graciously allowed the men to do um a conference and um it promises to be very blessed and I would also like to acknowledge Pastor Samuel loara and Pastor Mrs Kara um the the they knew me when I was a little shorter um um the first time I met Pastor Mrs enta she was giv immunization in the hospital and that was how she gave me one a hair and I’m not sure my arm is still working after that um a sense of humor goes a long way you’re very welcome Sama um very uh quick recap is anybody new here today um no okay um brother C we greet you very well um so um a quick recap um we’ve got Friday service which should finish um closer to 8 8:30 um tomorrow promis is to be very power packed it’s going to be between 2:00 and 8:00 we’re going to be covering teachings on personal development plan we have somebody who is very skilled in that um we are also going to be covering financial plan planning um it will be part two of what Pastor K is going to teach here rather we’re going to aument on what he’s already taught and also we’re going to be covering um the need for Christians to be part of to be in politics because the laws of the land also affect all of us and so a absence of good men in positions where the decisions are made cause problems overall good men and good women good men and good women so um we’ll also have somebody who is very skilled in that doing the teaching and we’ll also um have um decony day talking about raising Godly children in Christian homes so he promises to be very power packed so if you can make the time out you’ll be very welcome and also Sunday promises to be very excellent Pastor babala will be anchoring everything with the word so it promises to be a very blessed um day and for the kids you will get to see the fathers singing here okay and so you can greet them and how they’re doing so you know that should be a very enjoyable moment too um I’m going to take the opportunity to invite um Pastor babalola to take the stage um he’s um our senior pastor and um he has led us very well Pastor praise the Lord praise the Lord Praise Jesus if you’re happy to be here this afternoon or this evening can you please shout hallelujah hallelujah hallelujah is a shout of Victory so how Victorious are you tonight how Victorious are you feeling how Victorious do you know that you are victorious in his name amen somebody so let’s shout hallelujah hallelujah amen it would be nice if about 90 or 95% Will shout out Hallelujah so that we know that we are all Victorious together and if you are not we will start praying for you amen we ask the church to lay hands on you Allelujah is not eura or English or African amen it’s a shout of Victory so if you are confident that you are victorious tonight please somebody shout hallelujah hallelujah shout it again some body hallelujah amen your Victory will not be denied in Jesus nameen so the men have come together to lead us this weekend those that are that God have blessed that they are leading their home successfully those that are in the process of leading their homes successfully by the spirit of God by the grace of God by wisdom from on high they have Come Together by the spirit of God to lead us into the presence of God so this weekend is a special one is a very very special one regardless of who comes with you or who does not come this weekend is a special one we have been praying that the Lord will will come down in a mighty way I know that if few of our brothers are still working somewhere and so on but don’t let that stop you tonight don’t let it stop you tonight here we are going to receive wisdom Bible says get wisdom wisdom is a principal thing did he not say that he said with all is a get knowledge and with all your getting get understanding now in order to walk in this land you need wisdom or first and foremost you need knowledge you need understanding and then you can apply wisdom there are things that the church cannot teach but that God has placed in the heart of the children of God’s children God cannot the you know the church cannot teach politics six the church cannot teach insurance and business Hallelujah we can allude to it once or twice or you know in some sermons but you cannot really gain a good grounding and so talented people of God have been assigned to come to us this weekend to let us know what happens in the land that you cannot gain in the church praise the Lord but these are Kingdom Minded Kingdom Sons and Daughters of the almighty God and so they are not going to lead you into short corners or lead you into ways that would be unprofitable amen so I want us to open our ears if you have not brought notebook tonight I hope you can type well on your phone because when they begin to give you NS that are important for you for your family it won’t be good if it just goes through the air Hallelujah so tonight people of God without further Ado is all all is well okay without further Ado H I would invite our pastor our daddy in the Lord H Pastor Samuel larenta thank God for his wife that is here H Pastor Dr Mrs PhD Mr Mis and and executive la la everything she’s here she’s not Chief yet that’s the only one that is not there praise the Lord praise the Lord and she’s there to you know to to give a helpy hand to our daddy that is here and and uh and Pastor K is not just a minister a pastor uh in the Redeemed Christian Church of God he is also very gifted very talented in business in Insurance in mortgages in properties all that kind of thing so we are here to learn and by the grace of God by next year your own house will be here you’ll be living in your own house in the name of Jesus and if you already have one you will change it in the mighty name of Jesus hallelujah amen please let us give a good clap offering to the Lord as wel welcome Pastor Samuel God bless you sir God bless you sir Hallelujah okay she in my PA that is very [Applause] good can somebody shout hallelujah hallelujah I’m very privileged and excited to be here this evening so we can talk to ourselves as a family um I thank God that he made it possible you know horses and chariots are made ready for battle for safety has always been from the Lord pastor and man we are grateful that we have this opportunity to come and fellowship here this evening my wife thank you for coming for creating time as well to be with me this afternoon Hallelujah let us pray our dear Father in heaven we thank you oh God Almighty because you are here this evening to do us good your word says in your presence there is fullness of joy and at your right hand there are Pleasures forever more father we ask oh God Lord that you endow us with wisdom and understanding and knowledge that all that will be heing this evening oh god father help us to apply them oh Lord God in our respective circumstances father that will not be the same again thank you ABA father because we give you all the glory in Jesus mighty name we have prayed amen amen I know that we have this team Dominion so we can possess take over and get established and in United Kingdom where we are so many people thrive because of the value of information they have and and also how they apply them the more information you have and the quality of the information also is important and how you use them just hearing the information or getting information without using them does not really do us as much good so this evening I’ll be talking to us about what we call Total financial planning I will touch on protection which so many people call insurance I will also touch on the need for you to have your own home or even establish a business buy to let using spvs as vehicles I will talk about them and also for you to those that even have businesses they can do business insurance to cover the key persons in those businesses and I also will be talking about investment and pensions and all that just a brief about them so that if anybody after this meeting this evening wants a personal advice then the person can now book a meeting so I I want to also to give a caveat all I’m going to say today because we are regulated I’m regulated by Financial conduct Authority I’m not supposed to give you advice as a group it’s supposed to be personal so what I’m giving you is information so if you need financial advice you you will need to book a meeting so we can do that all right so I work with a company called eminent Financial eminent Financial in the financial services is what we call an appointed representative there are two major CS there is what we call an authorized and appointed Representatives open work is our big company we have over 800 FMS which eminent Financial is one of them in June when we went uh 1st of May when we went for our meeting out of the 88 companies in open work Amin Financial that I represent is number four so that means we are doing something good and we thank God for that and we give him all the glory so I’m an area sales manager in the north of England our office is based in London um due to the changes in regulations and what covid brought I walk remotely now from Home occasional travel to London and also occasional travel to client’s home okay so um my details are there on the screen please can you just okay let me I’ll just be following you all right okay all right so these are my details so if you want I don’t know how it is going to work but if you can take pictures U my contact is there I can this is already available with uh with Pastor so my contact is there so if you want to um speak with me you can call me but at the end of while we are doing that Pastor I just Crave Your Indulgence we have what we call our inquiry form so if you want to have a meeting with me complete the form but if you are not interested please don’t bother it’s not it’s not an information booklet or a leaflet it doesn’t have any information just have contact for you to give a consent for us to call you okay so that’s where we are based in London okay I think I would don’t worry let me use this mind that is here so he can be following me yeah yeah so I think he’s inside okay so looking at what we do as a financial services because I’m a Christian and I believe in God everything every good and perfect gift come from him so considering our finances we need to understand how important it is to give to the work of the Lord and an illustration is that that you know when we don’t understand what we do we tend to dig holes we tend to dig holes by using our hands to dig holes and when we are digging the holes we tend to make it difficult for ourselves even to come out so we we need to understand what the Bible says about giving is very important our tighten our offerings they are very important for us as Christians so we need to look at how we can gain understanding of our financial well-being what is it about how can you be healthy do it not just to just maybe do physical health eat good food you also need financial wellbe to be able to thrive how to handle Financial challenges all of us at one point in time may be going through One Financial challenge but we need to understand what we need to do and how we can protect important things okay things that are important to us step one we need to get rid of the shovel we used in digging holes what do I mean by that if we look at what God says in Malachi CH 3: 8 to 10 I’m not going to read read the whole scripture but we need to understand how we need to give regularly to the work of God and when we give unto the Lord I tell myself by by giving to God nobody will ever be bor but sometimes we tend to keep away even the 10% which we are supposed to give to the Lord and we think that even by by saving it that it will make us rich you would it’s just like us opening the front door locking the back door or locking the back door opening the front you will see things your TV can go wrong your home can go wrong you can have all the things that will take away that money from you but when you give God that opportunity by giving him that which is due to him he provides total security for you so people also get so used to doing things that wouldn’t help them financially for instance somebody can decide to maybe have friends or do something that will make them lose focus things that are important we should be able to look at them for instance C your do your financial planning based on the volume or what quantity of money you have don’t plan beyond your income because if you don’t use what you have then you tend to open yourself up to borrowing and getting into bad credit step two you need to take your hands up and cry out for help if you are digging the host if you are in the host so that somebody can pull you out who will pull you out it will only be God in Proverbs chap 12:1 say every successful person has a teachable spirit so when we need wealth you need to understand how to manage well because if you don’t understand it any anything you get today can just dissipate and you just lose everything so we have what we call Financial life cycle if I can have that on the screen for so I can explain Financial cycle everybody have a financial cycle children as we children are born by the time they grow up to 18 they are either in school or doing some learning some becoming an apprentice but as they grow each age bracket has something that they must plan to do okay so as as far as you begin to work that day you start working is the day you should start planning for retirement it’s not something that you should just wait until the time and very unfortunately for us most of us that are from African communities we have pension schemes where we work but some people tend to opt out and say they taking our money forgetting that whatever you contribute to that pension fund take your your employer pays 5% into that and gives you 8% and that money can grow up to 100,000 depending on how old you are when you start working by the time you retire and that becomes a great port for you to live on because as we speak now um the the benefit they give to people those who are not working is about £96 per week and that’s less than £400 it will not pay will not pay rent it will not pay even electric bill so we need to understand our life cycle where where we should be and what we should be doing about that so in also planning we need to understand that savings it’s not everything that we end that we should just use to eat because if you don’t plan to invest today or save there must be a rainy day because we will not walk throughout our lives things can make us not to even work up to retirement age we can stop working even at 40 or 35 depending on your circumstance so we need to think about savings we need to also understand that everybody is important to have a will and the way this country is designed we don’t we didn’t we were not here when they created the country and what they’re doing there is a rule for everything anybody that dies and dies in inter state the go government has a way to plan you to take your estate they can take it away because you haven’t done anything about it typically here there is what they call iht inheritance tax and is 40% of your assets and there is this rule they call 325 £325,000 that is the value that is taxfree so anything above that you must pay tax so for families husband and wife I think it’s 650 okay so we need to understand that it’s important but if you have written a will and you have given them out there there what they call gift intrao so those ones are the things that we can talk so by giving them out you tend to reduce the uh tax liability that should come as a result of that so looking at ourselves using what we call Financial prisms the p means protect protction the R means a retirement the I there means Investments savings and mortgages so we need to understand how it applies to us everybody has to look through that prism to be able to understand themselves so where does protection come in financial planning where does it come in financial planning it is the Bedrock of everything we do typically let’s just look at every one of us in this room there are two things that we have in common one is a home whether it is mortgage or you are renting another thing we have in common is income those are two things that everybody irrespective of how much you earn what you do those things are the common denominator if you don’t have a home that means you are homeless and that is not a good place to be so we need to understand how we should protect our home make sure that we that home that we have we live in it and live in it as long as we have life and also that our income which is important we need to understand how to fence it around and typically you know those of us that came from Africa and who saw the chicken room about when they hatch the the the the the hand uses the wing to protect the ex prot protect the chicks so that nobody can interfere so anything that is important to us we need to protect them we need to fence them round so what is actually insurance or protection insurance is management of risk pulling of risk together so that somebody else can be looking after that for you so you transfer the risk from A to B and when we do that it can come in various forms insurance is not just a life insurance that so many people understand when you ask them do you have insurance I say I have insurance what do you have I have in life insurance I’m fully covered so that’s not how it is so I’ll go through all of them tonight as many as we can there is what we call the principle of Financial Security a principle of Financial Security is is a journey it starts from point A to point B what that means is that every one of us that have a skill that is working your employer pays you for bringing in your skill it pays you for the clocking in that you do and at the end they pay you an agreed income which is your wage but there could be a time in our lives that we will not be able to do that so we look at total Financial Security as a place where somebody should be where the income they get from their investment return on investment um interest they get from their savings and the profit that they get from their businesses when these three a b c are equal or greater than your income that you earn from your employment is that time you will think or we say you are Financial secured so if anybody has done all those ones here that’s a very good one but if it’s not then we’ll be able to help guide you so there is this rainy day and there is this ending days so if you become unable to work as a result of accident sickness or injury that means even the savings you have today will start to deplete so it’s important to understand this principle there is this one which we call the principle of financial intelligence what that means simply means is that anytime you receive your income irrespective how much it is it comes to you as 100% so the way to distribute your income is give 10% if you’re a Christian which I know thank God all of us that are here you give 10% of it as tith that means you are paying God and saying thank you for helping me to do this work those that are not Christians they give money to charity and thank God where we are so many people here who are not Christians give out their money to do some work in the community so that 10% you give can do something in the community where we live so another interesting one is that you are the goose that lays the golden head so you need to pay yourself also 10% the as you pay God 10% plan to pay yourself 10% because if you look good do all the things that makes you good take out the money as you taking your tight take out 10% it’s holidays go for it good good clothings buy them anything that gives you satisfaction use that 10% to pay yourself because it motivates you to get the income then we said because we spend so much money on our outgoings we recommend that between 40 and 65% should be what we should spend out of our income that we earn as outgoings anytime you spend much more than 65 you need to do an upskilling you need to change that rule apply for another rule unfortunately in this country they don’t do Mass promotion anywhere you are no Mass promotion if roles are out you have to apply for them you have to compete for them and you get it so if where you are and you what you are earning is not good enough take some cses of skill and take another road so you can have earn more money to be able to accommodate within your outgoings then we encourage us to save money intentionally and that is why here when children go to school they have piggy banks they teach them how to drop coins into those P piggy banks so savings is a culture that is not common to us who come from Africa but we need to learn how to do that and I I just to digress a little bit I had a meeting with one of my clients and I was talking to them about this he said yeah when I went to um Germany somebody told me to save money but I had learned to save even more than 10% and which is a Kudos so it’s important for us to learn that culture then I come back to we have done about 95% 5% is what is remaining that is what we call the protection your insurance that’s those of us that are farmers or come from a farming Community you see that uh those that cultivate yam bring out the best of their yam so that they can have continuous Harvest so the 5% is what protects the all the other the 95% we are talking about so for you to have a full cover of your insurance of protection you need to spend 5% of your income to be able to be fully covered so these are the some of the things that we use to do Financial Security all these ones I will not go through them in details but I just want to mention about the types of insurance that are available to us that’s what we call personal protection and we have what we call General Insurance personal protection will include a life cover a critical illness and income protection and accident protection it will also include endowment policy to include Private health insurance most personal protections life like life cover critical illness income protection are medically underwritten there are some people who may due to their circumstances will not qualify to get an insurance and what we recommend is that don’t go to online to do insurance because he may not pay speak to an advisor let an advisor go through all the details so you understand the terms and conditions before you start setting up your direct debit then we have the general insurance which is the landlord um tenant insurance car insurance and all that some people that rent think that they don’t need insurance in their homes that is not correct say for instance where you live there is a fire there your landlord by right will provide you what we call alternative accommodation well have you thought of your certificates that are there have you thought of your clothings have you thought of all your personal belongings by statistics we have that in every woman’s wardrobe every woman that is working in UK their wardrobe is worth 75,000 so if yeah so so if if something that like that happens where will we get money to restart so it’s important that we understand that we need to do our home insurance we need to do our tenant insurance and we need to do all the personal insurance that we need so how much does he cover actually how much how much do you need for an insurance say for instance a life cover you we use what we call shortfall calculator looking at the age of the youngest child we multiply the age of the youngest child by 90% of the gross income of either the father or the mother to be able to ascertain how much insurance they need for a critical illness which We call cic we multiply your gross annual income by four to be able to say this is the value of insurance you will need and income protection most providers will do about 70 or 65% of you take home after tax and for an income protection is a monthly benefit that is paid a critical illness is a oneof a life cover is spay on debt an accident protection covers any form of an accident so all these Insurance are different so if you have one and you think you have every other one and you need to make a claim that’s when your eyes will be open that you don’t have all the insurance so that is why it’s important for you to sit down with an advisor to be able to help you get an understanding so when we look at what how much actually does it cost some of us may maybe in a month we go to vending machines we buy coffee we buy uh soft drinks we buy even other pizza and all that which is good but if you look at how much we spend in all this it’s not equal to how much we should be spending in protecting ourselves and these things are important for us okay I’ll just touch briefly on what we call trust trust is very important when you have protection when you have insurance so that means that there are three people that are involved you have the trustees of the policy you have the settler who is the person that is doing the trust and you have the beneficiaries what that happens what that means is that if anything was to happen and for instance you want to make a claim there is what we call the right time that means the the claim process is reduced the right hand that means the beneficiaries that you intended to benefit from that Pro policy will get it at the time nobody will jump out tomorrow and say you said and you told me I should be part of your estate it doesn’t happen if you do a trust so it is important that we put our policies those of you that have insurance please ensure that they are in trust so that you can keep them away from inheritance tax so anybody that doesn’t do insurance uh have a trust that means that there must if the person dies it has to go through probate and probet is not a good experience so I I just want to encourage us to make sure that we do our trust and have Wills that we have written then another part of things I want to talk about tonight is about mortgage and mortgage processes okay so everybody body that is here I want to encourage you that if you have not bought your home you need you can start planning to buy a home now some lenders lend to those who are even 12 months in UK if they can demonstrate that they have the deposit that they need so irrespective of your income so the lenders will look at how do we assess how much you can borrow we multiply [Music] 4.5 of your gross income to tell you to just give you an estimate of how much value of the property you can purchase and a deposit of 10% for those who can provide that and for those who are British Nationals or EU Nationals there are some lenders also who can give you a 95% mortgage so you just provide 5% but that will be dependent on your those circumstances so for gifts that are accepted as deposits if they are relatives of uh brothers or sisters mothers stepmothers stepfathers and all that lenders can accept those gifts as part of bofer for you to do your mortgage for those that are are firsttime buyers also if if there is somebody whose parents also are here and they cannot even afford the in income there is what we call single propr proprietorship so they can come on the mortgage but their names will not be on the de they just give you a boost to be able to buy the property stamp duty is something that everybody will pay if the property value goes beyond 250 so that’s also important for us to know those are the things that we need to prepare before we think of buying a house but the most important thing is that when you think about that speak to a sensible professional a mortgage advisor who will be able to help you to get that done we need to establish your budget we need to establish find the ideal property sometimes because people don’t know the process they go and find the property before they come and talk to an advisor the idea thing is speak to an advisor let them qualify you know how much you can borrow then they will say between a BC this is the property value you should then you obtain what we call Mortgage in principle or application in principle depending on how the lender and with that you can go to beid either for a new property or an estate agent will be able to say yeah we know that somebody has qualified you and they canot take your ID and help you to reserve that property so when the property has been reserved is the time they will do full mortgage application a full mortgage application presents you as the applicant to the underwriters to be able to check that you will be able to get this mortgage and also keep the mortgage when the the the mortgage is complete so you receive an offer when they are happy and you can do an exchange at some point before the mortgage is completed the keys are handed over to you I want to just Dell about on credit report credit report is a key thing that every one of us should be wary of sometimes the things that we not even cause you to get a County Court Justice on your credit report are things that we think that are not important say for instance you parked in a place and you are given a ticket what I tell people don’t contest any ticket that they have given to you pay within 14 days so that you can just walk away because you didn’t do the writing sometimes we have contested a some people have contested packing ticket and it led to ccj ccj means that you cannot get lenders from The High Street then you go to the packagers for instance if lenders on the High Street are doing 4.5% packagers will be doing six and 7 points and that makes it difficult for you not to get a mortgage okay so let’s let’s keep our eye on our letters act when we are expected to act on them so there are some other ways those of us that may be having allowances and overtime we can take them into consideration to be able to boost your income for those who are self-employed now presently now some lenders take one year if you have a company and you are using a company either a contractor you are using a company and you are working and you’ve just done it for one year you’ve done an account and paid tax for one year there are some lenders who can give you lend you money if you are not p a ye and they want your accountant to bring accountant certificate or reference or send them a projection of how your income will be looking like in the credit so we we can either use the net profit or the dividends to be able to assess the income for those who are doing self-employment so all these are sources of income that we can use employment income we use self-employment income we use directorship those who are company directors so we can use all those ones to be able to assess the income that you need okay next slide please okay so in assessing the income we look at what we have we what we call there is we have three categories we have what we call committed expenses that is the say for the car loan you have those ones must not change because you are getting a mortgage so we consider that we consider your personal loans we consider um cancel tax you pay we consider utilities we consider even Recreation all of them sum up to what we look at as out as your outgoings to be able to assess your income even the number of children that we have is also taken into consideration to be able to know your affordability how much you can borrow so it’s important that when you are going for mortgage okay be able to see your in understand how it is so the categories like we are talking about is the like the basic quality of life is is important based on my experience we found out that sometimes so many people don’t disclose all they need to disclose and we will find out as mortgage advisers so the earlier we understand your circumstances the better we can weave or do your mortgage planning based on your needs debts most people have debts and this are so scary if we can do anything that within our limit in order not to be indebted because even if you we die and live here it’s not good to leave debts for our children okay next slide please okay so when we go to Vis is somebody that is ill we have what we call there are three things that can happen to anybody at any point in time before we we die you can suffer from sickness you can have an accident or you may be able you may be disabled so this that they put them aside these three acronyms so when this thing happens to you or to me the question we should ask ourselves who do you want to pay the bills is it your family from the depleted savings that we have or is it the insurance next slide so when I come in to visit somebody in the hospital and I come in with a bouet of flow yes that’s good I just celebrate with the person and give them a book of flow next slide so if I come in to visit somebody that is going through challenging circumstances and I come with a booket of flow and a check which one if I had visited you which one would you accept which one would the check okay so so we need to understand yeah flower will die the next day but check has great value for us and I I I I know that we would not have spent all the time to talk about this but if anybody’s interested then speak to me I can go to the questions and answers now if if we have any thank you very much so I’m I’m open to questions please okay all right on this form here we will need your name your mobile number and when is the most appropriate time to contact you we will when we do that we’ll be able to book an appointment our appointments now are through Zoom or team meetings occasionally we can come to your house if there is need for that to be able to discuss any area of Interest so when you are completing the form please just out of the things I’ve talked about any area that you want the meeting to be centered on just put that that in there thank you hello sir okay I’ve got a question okay please and you know when you were talking about um total financial plan and the breakdown it says that we should try to put 5% of our income towards insurance if you look at the average um family in the UK say after tax you’ve got about 1,500 remaining and if the ma is right that is living us with about 75 5% to go towards Insurance based on that 75 that cannot cover all the insurance that was listed which one should be the most uh important or how do we prioritize which insurance I should put my money to if I’ve got 75 or just1 to go towards Insurance okay uh when we have meeting what we do is we look at all the insurance are important and what you don’t want to do is that you take out one and when there is a need to make a claim that one could be the one that will be expose you so what we can do say for instance with that 75 we can put 10 to life insurance because critical illness is always twice the value of a life cover in terms of underwriting we can put um 20s for critical illness and put another £25 or even 30 to income because income is the Bedrock that looks after every other thing I’ve mentioned about three then the fourth one which is an accident protection which is in unit then you can put the other £15 or there about but with £75 you can do all your insurance so if your income becomes better you can also review itat and add it up because at any point in time the only one that they will not ask medical questions is an accident protection so that one is not age dependent so if you’re doing a life cover today and next two years you the person is 2 years older the underwriting will be different if it’s a critical illness it will be different so for every budget we have we look at them and apply all of them however when we have meetings some clients can say no that’s £75 I want to start today and in the next four five years when my income increases I can do ABC so we will agree with them but in in writing our report we will remind them that there is still some Gap that hasn’t been taken care of so whatever value you have you can weave them around all the insurance that you we okay so thank you very much for your talk um it was very informative um you talked about uh some kind of insurance to do with the age of the youngest child and how to calculate life insurance in that direction um I think by multiply by four or something I don’t know I just wondered if you could give us a little bit more information on um that aspect all right so what we that’s what I was saying there is to determine how much cover do you need say for instance now because in UK the maximum age a child should depend on the parents is 2 years so they’ve looked at it at 18 most people who are not going to universities have started working in the shops they are working somewhere so even if they University before 24 before 24 even 25 if they start University at at 18 by 25 even if it’s meding they would have graduated so any child that any child that the parents dies between age one to 25 they will suffer a loss and what insurance will be doing is that they look at the in Inc come that that family will be bringing into that home between age 1 to age 25 of that child to use it to calculate the benefits let’s say typically somebody that is earning 100,000 and the the the youngest child in the family at the time they were taking insurance is one so they multiply 100,000 by 24 and take 90 % of it so 90% * 100,000 * 24 will become the value of the insurance that you need for a life cover so this is dependent on your income if somebody is earning 30,000 we do the same so insurance is depending on your life of significance where you are at any point in time so that’s that’s how we calculate that that’s because Insurance have what we call terms so that one is the level term that means that at the at the time the insurance is taken they want to maybe age 30 or 45 or 70 until the insurance ends that value will still be the same so however that is a um an a proposition that we give but somebody can say I don’t have money to do all that I can do maybe the the summation came to 100 200 or 1 ion say no I can’t do 1 million I can only do 500,000 then you also good so as your income increases you can always increase your portfolio Okay so very important uh thing I just have to reiterate them a life cover and an income protection and a critical illness insurance they are medically underwritten so it has to be it’s not something that you take the box and just walk away because they will go to check with the GP and uh check all your medical results so they you give them consent anyway to be able to do that okay so there is something that I didn’t talk in at large is what we call business insurance anybody that has a business that has a limited company you are employing somebody or even you alone you can have a business protection is the the thing the difference between a personal protection is that the beneficiary is you and your family whereas a business protection is the company that that is going to be looking after some of us are we eat King meal bread we eat all um what buttons and so many of them if you check their history they have been there for over 100 years why do you think those companies have this survival syndrome because they have insurance if if anybody that is the key person dies in that company they don’t bother they will get the money because that person has been insured by the company they will get the money hire the same person that has the quality that’s somebody that has that kind of quality and experience or even better to be able to ensure that there there is a continuity in their businesses unlike in African country Community our businesses die with us because we don’t think about succession plan we don’t we just want to do it now but they think for 100 years 80 years what will happen so a business insurance is very important if anybody has a business here and he has not done a business insurance because there are also what we call Key person Insurance every most businesses have loan most businesses have shareholders most business businesses have um re relevant life like some of us that are working and they say do you have debt in service the debt in service is actually is is an insurance called relevant life that your employer takes on your behalf in case if that person dies while they are in service the insurance company pays them they don’t pay that money from their money because they have taken insurance so irrespective of how many many people that you have in your business whether if it’s you alone you need a business insurance okay many more questions here you were talking about C talking about ccj I think that was when you uh made reference to not contesting parking fine because uh I was thinking how will not contesting a parking fine give you a CJ I do understand if you leave it um till after the date you are supposed to pay elapsed then maybe you can get a ccj but what if you contest it within the time frame and even if you lose I think you can still pay so maybe you can please shed more life on that yeah what I was saying that is that most people from our community based on our my experience is that the ccj they get because when you have a ccj on your credit file the lenders don’t want to know whether it is a parking fine or it is uh a credit agreement that you have that you didn’t keep so we recommend or suggest that if you have a ticket try and pay it within that first 14 days which they have given you to pay but if you are sure you are going to win which more often than not you may not win you can contest it but if you leave it and you don’t do anything about it the lender the the parking fine company will send letters to you after the first second letter as soon as you don’t pay they still they send your name to credit referencing and that become a ccg so the thing you would have saved by just paying £30 would not make you to be paying 100 or 150 just for that error that’s why what I mean so we should be careful with our parking and pack when where we are supposed to park so that’s just my the link to it okay yes ma’am like work permits can I ask for mortgage then yes and that was what I was saying here if anybody’s here and they have lived in UK or you know anybody who has lived in UK for 12 months and they have their deposit to buy a home they can get a mortgage I’ve done that even in January I think I did about four or five people who who were just here with in 12 months so work permit yes you don’t need to get an indefinite stay to be able to buy a home provided you leave here and you are working we can prove your income and we can also check that the source of deposit is your personal serving so many people are bringing their money from abroad to be able to buy their home so for that those bringing their money the money has to sit in UK account me minimum for 6 months before we can use it as source of deposit okay while somebody is raising their hands there is what we call business buy to let p toet is another form of investment you know and you know that people from Asia they’re doing it very well they just you see them they have 10 houses on one street three houses how are they doing it some of them come together and put their deposit and buy one house after one or two years they take out the equity from that house and buy for the second person after another 6 years they take out Equity from that and buy for another person within 8 years all of them would have owned a house so because they are working together as a group as a community somebody asked me sometime can somebody who hasn’t bought their own house buy a business house or buy toet the thing is for me this is personal it’s good first buy your own home before you think of doing the business because what the lenders are actually looking at because you own your home your behavior is different they look at you as more responsible than when you you don’t own your home and you want to do a buy toet so another thing I want to also mention there is that for residential build uh homes is 10% for business is 25% okay so and if you have your home you have lived there for some time and it has come up the price has changed you can take out money from that home and buy another house so it’s not just leaving the there to sit for nothing so you you can take out money buy another home yeah so the question I think somebody wanted to ask I want to ask sir why do lenders frown at er uh buyers using money from contribution the one we call a why do they frown at it okay all right yes because they don’t understand a if if you go to an oibo solicitor Oro mortgage advisor they don’t understand that you talk to them but I can tell you 100% that all the people I do for who are from our community who are using our job are buying their home because we have lenders we have spoken to already who understands that it’s our savings contribution in our community that’s that’s how we put our monies together so what the lenders want us to demonstrate is that they want to know how long is that contribution going to run and our suggestion is that if you are going to use a job to do your deposit agree on your exit you have to finish that and stop buy the house before you start again because if you continuously do a job every year every year is is what we call a committed expenses like I put them down there so it is something that you will be paying out and it will affect your mortgage so aob we use a job okay we use a job depending on who your mortgage advisor is and who your solicitor is you both solicitor will not pass a job for you never because they don’t know what to do with it they write to the lender say we we don’t trust this source of income and they will say sorry on this occasion the lender is not happy to proceed yeah okay sir no loan loan they don’t they don’t yeah because what we see what the definition of deposit is your personal saving is your contribution towards owning that property so they they don’t because it’s loan on loan so they will not accept that by any chance there’s another question and there okay you okay you can speak then when you you got the mic just finished um the question is just a follow up on what you said about buying a second home the laws of that governs um buying your first home is different from the second home like the kind of tax going to be paying um how do you make the best of that you know um when you want to buy the second home you don’t want it to be too expensive because that um paying different kind of tax on the second home could actually be something that will put you off trying the second home okay in investment we have what we call risk appetite okay so your your risk appetite might be different from mine the law here says that anytime you are buying a second home even if you are moving a home and you are not selling the one you have there is a tax incident of 3% what they call 3% sarch charge of the current where you are moving to okay so that’s a business that’s the way they looking they’re looking at it you you have you are moving to another home pay 3% but if it’s a res residential and you are selling that home where you were before they can refund you hmrc can refund you your uh St stamp Duty land tax after 3 years but if not whether it’s a buy toet or your second home you will need to pay that stamp Duty so it’s it’s one of the things we factor in before we give you advice so you can be you can consider them and know that it’s a liability that must be taken into consideration before you think of buying a home and there are also fees Fe for buy to let the fees you pay what they call product fees and some of them can be 2,000 30,000 depending on the lender so those are the things you factor in the solicitors fees and all that so but that does not scare people away away people are doing it so like I said it depends on the risk appetite of the person yeah okay thank you uh yes I want to um a bit more clarification on the aour that my brother raised um if you contribution and because from person we got this money together and the mgage broker because it was not uh it was a lump Su that we were able to get and um he she advised that uh will it be possible for us to get a relative who can um write it that was given to us as gift so in the case of our Jo as well will it be possible also that when you get your contribution you can get somebody to write a letter to back it up well I give this sum of money to this person for them to buy their mortgage and as long as that person can commit that well I’ve got no part I’ve got no part in the um in the morgage is that still something that is possible or except the law has changed yeah well we have we have what we call gift deed and it varies from lenders to lenders there are lenders that because the the the lender depends on the mortgage advisor and on the solicitor to make value judgment because in the mortgage chain every one of us is involved and because of the regulations they know that you not do anything evil because if you do you lose your license and you can go to jail and nobody wants to lose their license because they want to help somebody so what they do is that if it is a j we will write the the solicitor will write a covering note that this money has been given because it will show the evidence of the people who have contributed and also your contribution over time yeah to show that maybe if it’s 6,000 and you are doing 500 per month is 12 month uh 12 months contribution 6,000 so you show the names of all the other people and we can write as a it as a job because if you if you get that deed which you are talking about the note from one person that one person they if the the lender can ask them to prove in their account they show an audit tril of how that money how they gave you that money which is not good you understand so one person doing a letter for all the all the people doing a does not work but the the the solicitor and the mortgage advice are being used will know what to do okay all right Vin I’m sir one more thing um you talked about inheritance tax you talked about if it’s um one person it’s don’t know if it’s 325,000 or 375,000 and if it’s two people it’s 625,000 and the question I wanted to ask is inheritance tax is it whatever you leave behind that they charge 40% off and then they give the rest to your uh to who you are leaving it behind or is it above that 325,000 then they charge 40% okay what they do a threshold for spouse 325 325 is 650 so anything that is within six that one they wouldn’t touch it and let’s say the person has access that is worth 1 million outside that and they haven’t given it out to anybody there is nobody that is benefiting from it that means it goes back to the state the state will ask you to pay 40% of that so what we do when we sit down with um professionals they will help you to be able to reduce the liability not to just evade reduce how much you can pay and that is that’s where the financial planning comes in so because if we don’t do it I know of a family in London they the the parents left them 1 million asset and because it wasn’t given out they didn’t do all they supposed to do they had to go look for 400,000 to be able to redeem the 1 million so because the hmrc gave a letter to them which they must pay and they they don’t they ask you to pay cash within so so and so so and if you can’t convert the asset you have to go get money somewhere ask ask the question you’ve got me now all right okay my wife wants to say something here I’m talking about my own financial planning praise the Lord yeah uh he is the expert in what he’s doing and uh for the past four years he’s been winning uh the best mortgage advis in the UK in his company so he’s very dependable [Music] but and he has more than 40 45 houses in his portfolio that he’s got gotten mortgage for but I’m not here to Market him I’m here to say the thing that worries me in this financial thing number one one women H you can save from all the shabes please you don’t have to buy everybody’s AI to belong or for them to know that you’re their friends mommy are you with me please that is eating our money too much you see that culture home and we brought it here is eating into our finances please the shab can be a color then you have the color you wear it even if they don’t give you s because you didn’t buy a shabbi it doesn’t matter you know how many stas you have in the house that you’re not using all those Plastics and bags and diary and this and please mind how you spend on a sh then those of us that borrow money from the bank here especially the men who want to go and buy land in Lake you want to build and do competition at home you build mansion where you’re not living whereas here you’re living like a papa your family is suffering here and you want to go and compete to be Chief or anything at home you go and buy Big Range Rover you drive it two weeks you put it in the garage and you come over here please let’s be wise and then try and register with umal electoral M finish that okay all right um is you know election is coming on the 4th of July we as Commonwealth citizens we have right to vote the time as soon as you enter this country that week you enter if you register on the Electoral role you can vote and not just voting as well for financial uh referencing we check that it’s a great opportunity for us to look at how you have lived over the time so if you are moving your home from point A address a to address B ensure that your name is on the register and let them know you have moved so because some people they would have said oh I don’t need to borrow I don’t need to do anything and they they when we do referencing their references crash because they we don’t have a trace of address and also let me just say this now she just reminded me you know some we are we are coming from a cash economy here is not a cash economy here is a credit driven economy and what they test is how do you pay how do you take and pay so don’t be afraid of taking credit card but be afraid of using it so if you have a credit card what I do recommend is that some people say I don’t need a credit card if you don’t have a credit card you may find it difficult to get a mortgage because they don’t because you are not faithful in little so how can we trust you with hundreds of thousands to be able to buy a home so you can start small but make sure that whatever you are buying you are paying them pay them and pay them frequently don’t miss a payment last year I was working with somebody who just arrived I worked with her for 2 years so by the time we we got a mortgage in principle and I was just saying let me return on holidays she had a Mis payment on her American Express careless she say she had the money but didn’t transfer I said why didn’t you use the where your salary comes where the money sits to make your direct debit and because of that she has to wait for another 6 months and she would not get mortgage now from The High Street because of just missing 30 um credit commitment so please let’s let’s watch let’s keep an eye on our credit and make sure that it’s always GRE doctor you wanted to say something yeah thank you sir thank you uh thank you so much for the fishing um you’ve just mentioned I mean about the late payment which I wanted to talk about anyway so um it’s very important uh is not just about uh yes credit card is very good sometime you know you have the card the morning and the more you use it they keep on increasing your credit limits as well but it’s difficult to pay back very very difficult to pay back if you are not uh disciplined and say okay I want to buy something of £1,000 you put it on your credit card and you cannot afford to pay it back before the end of that month it’s it’s better not to use it um but if you can afford it yes you can use it that increase your credit limit so it’s very important when we use credit card um to be sure that we can afford it and we’ll be able to pay back before the interest they start charging yes you can pay minimum uh there’s something we call minimum minimum pay yeah minimum payment you know maybe you spend 1,000 out of 2,000 credit limit you have and they say of the M pay £40 if you keep on paying £40 every month you actually is yeah the interest is increasing and uh you know so you need to we need to be careful um then the other thing I want to talk about is what Mommy uh mommy mentioned earlier on about building houses or buying land in Nigeria you know yes is very good sometime to have a house um my wife and I there are couple that uh we are dealing with at the moment they just came to the country not even up to 2 years and they are having serious serious issue between them um both of them are working but they agree that they want spend the wife’s uh money here and the husband is using his own salary to build house in Nigeria you know and the wife is struggling they can’t pay their rent and all that so at the end of the day I have to ask them this house you are building in Nigeria are you going back to Nigeria now or what is going to happen and they can’t answer that question so most of the time we build house in Nigeria other people are living there um especially where that come from Village you know it’s one of the things I my mom always want me to come and I said why do I want to spend 40 million to build a house in a village and nobody’s going to live there the one my dad my father built there about two houses body is living there we are begging people to live there so we need to be wise if you have your family here you have your children here invest the money you know is um you know I keep on saying I I’ve been here for a few years now just within the last few years we just uh have our own place in Nigeria you know yes we do go to Nigeria but we’ve been here for over 30 years because when I came there’s no reason for me why I should go on you know at the end of the even if I build a house 30 years ago the house will probably not wor me going there again so we need to be wise let’s invest the money here on our children and later on when you get into your retirement age then you can then decide and build something there thank [Music] [Applause] you there somebody there is somebody at the back want to say something good evening sir uh would you advise us to keep a spreadsheet or using H to record our monthly income and expenditure yeah is I think whatever works for you whatever works for you um you can do it I I know some guys who are very good with spreadsheet anytime they come back what whatever they have done with the date they just enter it so at the end when they just well because some of them is self calculating you know how much you are spending on ABC so is is something it’s a culture or a habit somebody can do so spread sheet will be able to help you but he may not be able to help me he might not be able to help sister T he might not be able to help some other person so whatever works for you to be able to keep tab on your expenses please do them amen amen any more question last question last question then we so after the last question then um we pray question is actually a very straightforward uh question uh I know uh bank will always borrow uh money to people L money to people to buy uh private to pay debt buy car or whatever but is there any uh uh loan scheme in this country to uh probably I have a home already but I want to probably buy to let so uh can Bank borrow money to buy to let or probably to just own a building for commercial purposes yes that’s what I said if you have a home and you the home has aced in value you can take up to depending on how much it is you can take up to maybe 70 50% of the value to invest in another property because the lenders will not give it to you to do business they don’t give you money from your home to start a business no they don’t give you money to do some other things that we think because we have a home we can get money from that and do so they they happier I would say let me say that they are happier to for you to take money that’s the loan you are talking from your home to be able to do a buy to let okay so and I what I tell people don’t allow don’t allow the money to be sitting there forever reinvest it and let the money grow let the money grow so you can increase your portfolio Okay praise the Lord can we just uh appreciate our father for coming tonight let’s just appreciate him let’s appreciate him can we can we can we be on our feet if you don’t mind please and we’ll be sitting down for yeah let’s just appreciate him father Lord and can we just stretch our hands to him let’s pray for him that God Almighty will continue to strengthen him in the mighty name of Jesus that it will continue to increase in the mighty name of Jesus that every business every client that comes to him will be the one God has finished their job in the mighty name of Jesus that this assignment because indeed it’s an assignment for him that on this assignment he will not fail he will not fall in the mighty name of Jesus that he will continue to touch lives God has sent him to in the mighty name of Jesus thank you heavenly father in Jesus mighty name we pray thank you so much sir for coming we really appreciate you God bless you sir bless you God bless you amen amen right um is time to for our offering then we can close for the day um BR you did ask a question about B to L yes you can take Equity from your home to do B to L but one thing the lender will be looking at is that for example if your if you are paying a mortgage of about maybe £1,000 on your home now and if you want to take 50,000 as Equity from your house they will need to look at your income to be sure that you’re able to afford it do you understand what I mean because obviously by the time you take uh another 50,000 that would have increased your mortgage so all those things will be look at and buy to let mortgages they are not uh they are not friendly at all you know your residential home if you miss uh maybe one month two month uh 3 month they will take you to court it takes time before they take the the property away from you but with buy to late if you miss two months they will send it off to uh there some people we call adjust or something like that and by the time they take over the house you won’t be able to do anything so it requires careful plan prayer and you have to ensure the funding is there don’t rely on your tenant because your tenant might not have money to pay but the mortgage people they won’t know they don’t they don’t want to know that your tenant is not paying you rent so if you rely on your tenant to pay you rent to pay the mortgage on that you need to ensure you have some money aside at least 3 4 months so if the tenant doesn’t pay for another 4 month you have money set apart be servicing that be to let mortgage I don’t know yeah let’s put our offering together please uh the uh where’s my phone so do we have yeah thanks um we are recruiting for financial advisors and uh we don’t advertise so anybody that is interested in becoming a financial advisor can speak to me um so we can tell them how we do it and how they can become a financial advisor the entry point to grow what we need sir the requirements is just first degree and you have yeah in anything yes and and uh you you have if you have a restricted Visa let me explain that will not be able to proceed with your application but if you’re a spouse a dependant or somebody that has any kind of Visa you are much welcome so okay I forgot that opportunity thank you sir thank you so let’s quickly uh put our offering together please right okay okay yeah please if you need a contact for him I have his card here it’s not a lot it’s a first first come first half actually I’ve got six here so the four yeah one for your family one for your family one for your family I’ve got five to go one for your family one for your family my wife are you not coming to take our home for our family who I’ve got three more I’ve got two more actually one for my family two more two more take all right all right let Let’s uh let’s quickly do our offering let’s do our offering please uh you remember what he said at the beginning that it’s always important to give to the work of God so as this morning are coming in let’s remember uh to pay a offering if you are paying your tie today you can do that as well quickly quickly uh sorry I just quickly need to do my as well um yeah are we done now uh give our CH is not here isn’t it come back to you yeah take it together running over give it will come back to you when you give amen amen are we done can we just uh open uh Close Our Eyes let’s just uh pray tonight let’s just commit that our offering let us thank God for a privilege it is a privilege to give to the work of God open your mouth I just thank God that thank you God for allowing me to be able to give to your work tonight father Lord I use this offering to as a point of contact to continue to enlarge my cast in the mighty name of Jesus to continue to enlarge my business for S heal to continue to give me strength to even give more in the mighty name of Jesus open your mouth and just say father Lord don’t make this one be the last time I will give to your work in the mighty name of Jesus thank you heavenly father in Jesus mighty name we pray Heavenly Father we just want to thank you for this privilege thank you for what you are doing in our life father Lord we thank you for your word that has come to us tonight father Lord we pray you continue to be with us in the mighty name of Jesus all our Visions father Lord we cast it onto you father Lord let it come to reality in the mighty name of Jesus father Lord in this land make us great as establish Us in the mighty name of Jesus thank you heavenly father in Jesus mighty name we pray amen amen he said he should close Okay Downs okay okay yeah so um can we just uh thank you all for coming again tonight I I believe because it’s Friday that’s why the number is limited uh tonight but um tomorrow let’s be here on time 2:00 uh and we’re going to start on time um and tonight there are some food downstairs as well so please don’t rush home let’s get at dinner and we can take it along with us okay uh let us share the grace together the Lord Jesus Christ the love of God and the sweet Fellowship of the Holy Spirit be with us now and forever more amen surely goodness and merage shall follow me all the days of my lives and I will do in the house of the Lord forever and ever amen praise the Lord praise our living Jesus Hall yeah please you know it’s always sometime when you hear lecture like this in the next couple of days we want to do something let’s let’s make it a point to actually act on all the thing we’ve had tonight okay thank you God bless you [Music] [Music]