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Merriam-Webster's Word of the Day for March 7, 2024 is: descry • dih-SKRYE • verb Descry is a literary word that, like discover or find out, means “to come to realize or understand something.” Descry can also mean “to catch sight of.” // In their research, the bryologists descried an association between a moss and the iron content of the rock it typically grows on. // From the tops of the high dunes, we could just descry the ship coming over the horizon. See the entry > Examples: “Where does one begin to learn about Dundee's history and heart? Luckily, for a tourist, there is a place. It's called Verdant Works, a former jute mill in a part of the city known as Blackness. (Dickens couldn't have come up with a better name.) Once the employer of 500 people, the mill is a keyhole through which most of Dundee's history can be descried. Unlike many factory museums, its story is made vivid by docents only one or two generations removed from its inescapable clutches.” — David Brown, The Washington Post, 30 Sept. 2022 Did you know? If you've ever mixed up the words descry and decry, you're not alone; even carefully edited publications occasionally mistake the former (“to catch sight of” or “to discover”) for the latter (“to express strong disapproval of”), as in “the watchdog group's report descried (oops: decried) environmental pollution by manufacturers in the harshest terms.” As always, we're here to help you descry handy ways to tell confusing words apart. In the case of descry and decry, pronunciation is key—the s in descry is not silent. Descry sounds just like the English verb describe without its closing b, and the two share a Latin root as well, the verb dēscrībere, meaning “to represent by drawing or speech.” When you descry something, it becomes known to you either by discovery or understanding, as though it were well-described. Decry, on the other hand, emphasizes cry when spoken, and shares roots with cry as well: when you decry something, you might be said to cry loudly your complaint.

In this episode I will share some common useful Japanese phrases that will help you through various situation in Daily life. Examples Where is the (OBJECT) - (OBJECT) wa Doko Desu ka? How Much Does This Cost? Kore Wa Ikura Desu ka? What Is This? Kore Wa Nan Desu ka? Do You Need Help? Tetsudai Mashou ka? Are You OK? Dijobe Desu ka? What Are Your Plans Today? Kyo Wa Nani Wo Shimasu ka? Phrase To Always Say Before You Eat! itadakimasu Phrase To Always Say After You Eat! Gochisosama Deshita Word of the Episode. Aruite Imasu (ah-roo-ee-teh) Meaning To Walk.

Michael discusses what lenders are looking for when applying for financing on an apartment transaction.  With apartment lending- the quality, condition and location of the asset are the most important factors in underwriting. A PRE-APPROVAL is not going to be available because 2/3rds of an apartment lending decision is based on subject property. The lender needs to have a complete picture on a number of critical underwriting variables. Examples: Where is property located and age? What are historical cash flows for the last 2 years and year to date? How much deferred maintenance does the property currently have and what is rehab budget necessary to cure? Who is going to manage the property? What does your monthly proforma show; what is your future expected operating expenses and total income?  1/3 of an apartment lending decision is based on you. What is your liquidity? What is your net worth? What is your past apartment experience and level of ownership or management? Do you receive consistent personal income outside this transaction? Are you going to have additional guarantors, with a sufficient balance sheet that will stand with you?  Bottom line, the lender can give you an indication on how much you can qualify for, but because the age, condition and location of the asset is so important in an underwriting approval, a WRITTEN PRE-APPROVAL, before the asset is selected is NOT WORTH VERY MUCH. Speak with your commercial mortgage broker on how to structure the transaction for approval. They will give you a verbal insight on how much you can qualify for based on the total picture. Checklist of Items You’ll Need to Provide Your Commercial Loan Broker: ✓ Updated signed personal financial statement ✓ Liquidity verification (bank and/or brokerage statements) ✓ Last 2 years of personal/corporate tax returns ✓ Real estate resume- detail your real estate experience. “I bought a home, fixed it up, and sold it.” Tell the story of your successes in real estate. It’s like you’re applying for the job of running the property. ✓ Schedule of Real Estate owned (what do you currently own; loan balance, value, contingent liability or non-recourse; annual NOI, annual debt service, etc.) ✓ Broker’s Offering Memorandum on the property you are looking to purchase ✓ Property’s historical monthly operating statements (last two years and YTD) ✓ Current rent roll  ✓ Five digital pictures of the interior/ exterior of the property ✓ Your analysis of transaction; share your monthly PROFORMA for the next 12 months. How are you going to operate property?

è Review: The House of Prayer; the Heart (purpose) of Prayer; the Partnership with the Father; the Agenda to render prayer powerless (orphan, distant view) Psalm 139; Ephesians 1:3-7; Hebrews 13:5; John 17:23, 26 è The Revelation of His Authority (Philippians 2:9-11; Ephesians 1:18-23; Colossians 2:14, 15 • Matthew 28:18-20 …. Revelation of authority before assignment (Luke 10:17, 19; Mark 16:17) è FAITH: Authority Released …. Mark 11:22-25 • Practical coaching • Align (connect) and Enforce. Remember: you are connected to the Kingdom of God. In prayer, you are invading the kingdom of darkness. In Christ, you have the authority but must Connect (commit the issue to His Lordship) and, then, Engage the issue (Proclaim). There is ground to be taken! • More examples of ground to be taken or defended:  Inner atmosphere of mind, emotions  Home atmosphere; work atmosphere  Travel; lodging • Is this overboard? See Ephesians 6:18; 1 Thessalonians 5:17; Philippians 4:6 • See Matthew 16:13-19 Examples: Where are you broken? Where is the need, adverse situations, struggle, desires? • Recognize and commit it totally to Him. • Proclaim the promises (authority) of His Word over the situation. • Trust Him with the results. è Covering Prayer: What is it? The prayers of spiritual oversight or prayer partners on your behalf. • The heart of the matter: shepherding; watching over another (feeding, leading, encouraging, protecting) è Examples: Old Testament priests and prophets were often consulted, even by kings in difficult life situations; Jesus (John 17); Paul repeatedly in his letters to churches and pastors; John in John 3:2 è Revelation; protection; deeper personal knowledge of Him; health; prosperity; well-being; spiritual transfer of gifting and power. è Are you under spiritual covering??? (1 Thessalonians 5:12, 13; Hebrews 13:16, 17) è Impartation to you! (See Revelation 1:5, 6)

è Review: The House of Prayer; the Heart (purpose) of Prayer; the Partnership with the Father; the Agenda to render prayer powerless (orphan, distant view) Psalm 139; Ephesians 1:3-7; Hebrews 13:5 è The Revelation of His Authority (Philippians 2:9-11; Ephesians 1:18-23; Colossians 2:14, 15 • Matthew 28:18-20 …. Revelation of authority before assignment (Luke 10:17, 19; Mark 16:17) è FAITH: Authority Released …. Mark 11:22-25 • Practical coaching • Align (connect) and Enforce. Remember: you are connected to the Kingdom of God. In prayer, you are invading the kingdom of darkness. In Christ, you have the authority but must Connect (commit the issue to His Lordship) and, then, Engage the issue (Proclaim) • See Matthew 16:13-19 Examples: Where are you broken? Where is the need, adverse situations, struggle, desires? • Recognize and commit it totally to Him. • Proclaim the promises (authority) of His Word over the situation. • Trust Him with the results.