will help here; your acquaintance with the Bible in general will also help. For cross-reference study, a concordance will be handy. 3. What in the passage is difficult to understand; and what problems, if any, appear? Further reading may provide the answers. Reference to commentaries and other outside helps will aid you in a more complete analytical study.8 4. How does this apply to my own life? There are two kinds of applications involving me: vertical (God and me) and horizontal (others and me).