I want to spend my life
00:00:01.60\00:00:07.57
Mending broken people
00:00:07.60\00:00:12.54
I want to spend my life
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Removing pain
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Lord, let my words
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Heal a heart that hurts
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I want to spend my life
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Mending broken people
00:00:40.37\00:00:45.74
I want to spend my life
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Mending broken people
00:00:51.41\00:00:55.42
Well, hello, and
welcome to 3ABN Today.
00:01:07.43\00:01:10.17
As always it is a joy to
have you join us right here
00:01:10.20\00:01:14.74
on the 3ABN set and today,
00:01:14.77\00:01:17.91
ladies, this
program is geared for you
00:01:17.94\00:01:20.58
but gentleman every
bit of this information
00:01:20.61\00:01:23.18
is information that
will do you nothing but good.
00:01:23.21\00:01:26.41
We are going to
talk with some people
00:01:26.45\00:01:29.08
that are professionals
00:01:29.12\00:01:30.79
and they'll be able to
give you amazing information.
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And, Jill, it is always
a joy to have you with me
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sitting right there and helping.
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Thank you for joining me today.
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Thank you so much, Mollie,
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I'm excited about
the program today,
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because it's something that
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I need to learn more about
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and as a woman it's a
vitally important topic,
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so I'm excited about it today.
00:01:50.94\00:01:52.94
So let me tell you
what we are doing today.
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I have with me
attorney Barry Benton,
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and Barry has been our
attorney for many years,
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and as a matter of fact,
00:02:03.08\00:02:04.62
he has retired and
has only kept one client.
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Barry, what client did you keep?
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3ABN I have been retired
for little over four years now
00:02:12.06\00:02:16.43
and 3ABN is the
only client I've got
00:02:16.46\00:02:19.73
because of how
much fun I've enjoyed
00:02:19.77\00:02:22.10
working with people like
Nancy and early in Roy Hunt.
00:02:22.14\00:02:25.24
Amen.
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And Earlenne and
Nancy and Roy Hunt
00:02:26.64\00:02:29.21
are all in our Planned
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Giving and Trust
Services departments
00:02:30.75\00:02:32.81
so, ladies,
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that's what we're
going to be discussing today
00:02:34.22\00:02:36.42
is financial planning.
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Nancy O'Brien,
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thank you for
joining with us today.
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Nancy is a Trust
Services officer.
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You're an officer
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in our Trust
Services department.
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Tell us just a little
about what you do, Nancy?
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Well, I answer a
lot of questions.
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People call in and
wondering what is planned giving
00:02:54.74\00:02:58.27
and what do we do there.
00:02:58.31\00:02:59.74
They sometimes hear a
little bit of information
00:02:59.77\00:03:03.11
when they watch 3ABN
and then they'll say,
00:03:03.14\00:03:05.18
"Tell me more about it?
00:03:05.21\00:03:06.72
What exactly do you do?
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What exactly can I do
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with to either invest
or to do something besides,
00:03:10.02\00:03:16.06
you know, I want to
put my land somewhere,
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I want my family
to benefit from it."
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Answering a lot of questions
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and sending a
lot of information.
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All right.
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And, Earlenne,
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thank you for
joining with us today,
00:03:27.04\00:03:28.80
and I know
you're a trust officer,
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but you're also
the office manager
00:03:31.74\00:03:34.11
in our Planned Giving
and Trust Services department
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and your husband is,
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he's the head honcho
over there, isn't he?
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Yes, that's why he
needs me to keep him in line.
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I agree. Yes.
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We enjoy working together,
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we really do and
we make a good team.
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It's when I can't
think of an answer,
00:03:49.52\00:03:51.16
he'll get one
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or he'll go find
Barry Benton for me,
00:03:52.56\00:03:54.93
so we work it together.
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So you have just met
two of our trust officers,
00:03:56.73\00:04:00.90
our attorney,
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and, ladies, we're
going to go to a song here
00:04:02.30\00:04:05.34
in just a minute.
00:04:05.37\00:04:06.71
We've got the
Burchfield Brothers with us
00:04:06.74\00:04:08.14
and we're going to have
them minister a beautiful song,
00:04:08.18\00:04:11.41
but let me just read a
little information to you.
00:04:11.45\00:04:15.42
According to MissMoney.com,
00:04:15.45\00:04:19.02
75% of women
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will become widows at
some point in their life.
00:04:21.59\00:04:24.99
The average age of
widowhood is 56 years of age.
00:04:25.03\00:04:29.76
That's young.
00:04:29.80\00:04:31.13
That is very young,
00:04:31.17\00:04:33.54
and there are so
many facts and figures
00:04:33.57\00:04:35.97
and data we're going to go over
a good bit of the information
00:04:36.00\00:04:40.84
just because we want to
00:04:40.88\00:04:42.94
first and foremost
make it so clear to you
00:04:42.98\00:04:46.75
how vitally important it is
00:04:46.78\00:04:49.48
that you have
some financial planning
00:04:49.52\00:04:52.75
that we can't
depend on someone else
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to take care of us,
00:04:56.16\00:04:57.49
we must be wise what
is it the little saying,
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"Nobody plans to
fail what do they do?
00:05:01.76\00:05:04.50
They fail to plan."
00:05:04.53\00:05:07.17
And so we just want you
to be informed, educated
00:05:07.20\00:05:12.24
and that's what this
program is about today,
00:05:12.27\00:05:15.21
but now we've got the
Burchfield Brothers with us
00:05:15.24\00:05:18.15
and what song you said
00:05:18.18\00:05:19.51
that they're
going to sing, Jill.
00:05:19.55\00:05:20.88
It's always a blessing
00:05:20.92\00:05:22.25
when the
Burchfield Brothers come
00:05:22.28\00:05:23.62
and minister music and
the song they're going to do
00:05:23.65\00:05:25.79
is a Wayfaring Stranger.
00:05:25.82\00:05:27.62
Now, Jill, that was
beautiful. It was, absolutely.
00:09:45.85\00:09:49.28
They are really
gifted and talented,
00:09:49.32\00:09:50.89
I always appreciate
their musical abilities.
00:09:50.92\00:09:54.36
Well, we're here today
00:09:54.39\00:09:55.96
with our Trust
Services department
00:09:55.99\00:09:58.16
representatives
Nancy and Earlenne
00:09:58.19\00:10:00.50
and 3ABN's
attorney Barry Benton.
00:10:00.53\00:10:02.96
Again we welcome
all three of you,
00:10:03.00\00:10:05.20
and again I want to say
00:10:05.23\00:10:07.94
that this program
is geared toward women,
00:10:07.97\00:10:11.14
but gentleman,
00:10:11.17\00:10:12.51
you will learn
something from everyone
00:10:12.54\00:10:14.74
what is applicable to
women is applicable to you too.
00:10:14.78\00:10:18.08
We're just going
to use some examples
00:10:18.11\00:10:20.28
that are geared toward women.
00:10:20.32\00:10:22.42
So here's the reason
00:10:22.45\00:10:24.45
why 3ABN does
financial programming
00:10:24.49\00:10:29.52
for the ladies.
00:10:29.56\00:10:32.96
I recently read an
article, it was by a lady
00:10:32.99\00:10:37.67
and her husband had
just recently passed away
00:10:37.70\00:10:42.10
and she was a younger lady,
00:10:42.14\00:10:44.44
she had younger children
00:10:44.47\00:10:46.74
and he hadn't left
her in good financial,
00:10:46.78\00:10:51.58
good financial shape
00:10:51.61\00:10:53.21
and there was no
insurance policy,
00:10:53.25\00:10:55.05
but as she was
cleaning off his desk
00:10:55.08\00:10:58.25
she found something.
00:10:58.29\00:10:59.95
She found an insurance policy
that was completely filled out
00:10:59.99\00:11:04.99
but he never turned it in.
00:11:05.03\00:11:07.40
He had good intentions
00:11:07.43\00:11:09.76
but he didn't
follow through on it
00:11:09.80\00:11:11.90
and he passed and left her,
00:11:11.93\00:11:14.10
oh, what a blessing
it would have been to her
00:11:14.14\00:11:16.97
had he gone ahead
00:11:17.01\00:11:19.41
and got that
insurance policy turned in
00:11:19.44\00:11:22.58
and in place
because now she's left
00:11:22.61\00:11:25.71
which so many women
are in her case widowed
00:11:25.75\00:11:29.18
without the finances to raise,
00:11:29.22\00:11:32.72
take care of and
educate her children.
00:11:32.75\00:11:35.42
And this happens not just
00:11:35.46\00:11:37.76
with widowed ladies as
Earlenne has mentioned,
00:11:37.79\00:11:41.86
there's divorce
00:11:41.90\00:11:43.23
and other reasons
why ladies will be left
00:11:43.26\00:11:47.67
with the sole
responsibility of that family.
00:11:47.70\00:11:50.84
And I want to read a
few other things to you,
00:11:50.87\00:11:54.34
I'm really big on statistics.
00:11:54.38\00:11:57.35
"In a recent poll
where women were asked
00:11:57.38\00:12:00.92
what was some of their fears,
00:12:00.95\00:12:03.59
50% of the
women said they feared
00:12:03.62\00:12:07.96
they would become
destitute in old age."
00:12:07.99\00:12:11.03
That's one of their fears
to be destitute in old age.
00:12:11.06\00:12:15.03
I think that
comes from the sense
00:12:15.06\00:12:17.23
that you think your
husband takes care of you
00:12:17.27\00:12:19.43
or you know he's the
provider, he's the protector,
00:12:19.47\00:12:22.87
and you're defender
and you're in your home
00:12:22.90\00:12:25.57
and so I think this is important
00:12:25.61\00:12:27.48
why we're doing this program...
00:12:27.51\00:12:28.84
Absolutely.
00:12:28.88\00:12:30.21
Because there
would be that fear,
00:12:30.25\00:12:31.58
"Okay, my defense is gone.
00:12:31.61\00:12:32.95
Now what am I supposed to do?"
00:12:32.98\00:12:34.32
And we do hear that
on phone calls, Jill.
00:12:34.35\00:12:37.09
The person is gone,
what am I going to do now?
00:12:37.12\00:12:40.72
So we're here for you.
00:12:40.76\00:12:42.09
Yes. Amen.
00:12:42.12\00:12:43.46
Again that's the
purpose for having this program.
00:12:43.49\00:12:46.36
We have got professional ladies
00:12:46.39\00:12:49.06
and an attorney
that are here to help you
00:12:49.10\00:12:52.43
and it doesn't
cost you anything.
00:12:52.47\00:12:54.47
I want to lay that down.
00:12:54.50\00:12:55.84
Let me give you
some more statistics.
00:12:55.87\00:12:59.14
"45.6% of the poverty stricken
00:12:59.17\00:13:04.68
in the United States
00:13:04.71\00:13:06.51
are elderly women,
that's age 60 and older."
00:13:06.55\00:13:10.32
That's almost 50%
of the poverty stricken
00:13:10.35\00:13:14.39
are elderly women so, ladies,
we need to take this seriously.
00:13:14.42\00:13:19.19
One in four women
from 65-74 are widows,
00:13:19.23\00:13:23.97
that's one in
four that would be 25%
00:13:24.00\00:13:26.87
according to consensus figures.
00:13:26.90\00:13:29.30
When women reach 80 years old,
00:13:29.34\00:13:32.04
three out of four
that's 75% are widows.
00:13:32.07\00:13:36.38
Women in the United States live
00:13:36.41\00:13:38.55
about five years
longer than men do.
00:13:38.58\00:13:41.38
Worldwide women live
about seven years longer
00:13:41.42\00:13:44.89
than men do.
00:13:44.92\00:13:46.76
And you may think, well,
I'm not concerned about that,
00:13:46.79\00:13:51.49
if I'm widow I'll just remarry.
00:13:51.53\00:13:54.30
Here is one of those statistics
that we don't like too well.
00:13:54.33\00:13:58.40
"Research shows that only
7 out of 100 widows remarry."
00:13:58.43\00:14:04.64
7 out of 100 that
mean 93% never remarry.
00:14:04.67\00:14:10.81
So you will be
responsible for your safety.
00:14:10.85\00:14:14.88
Again, ladies, I just
want to get your attention,
00:14:14.92\00:14:17.29
I want you to
see this is important
00:14:17.32\00:14:19.22
and we're not coming to you
00:14:19.25\00:14:21.12
with just the
problems you may face,
00:14:21.16\00:14:23.46
we've got some solutions,
at least help for you.
00:14:23.49\00:14:28.50
"A study conducted on
the financial circumstances
00:14:28.53\00:14:31.70
of widowed women.
00:14:31.73\00:14:33.60
Half of the widows reported,
00:14:33.64\00:14:35.80
they were just
getting by financially
00:14:35.84\00:14:39.51
within a year to two years
after their husbands death."
00:14:39.54\00:14:43.95
So, ladies, let me
ask you this question.
00:14:43.98\00:14:46.88
Do you have a
financial planning in place
00:14:46.92\00:14:51.55
for your future?
00:14:51.59\00:14:52.92
If not, today's the day for you
to at least get the information
00:14:52.95\00:14:56.52
and we're going
to show you documents
00:14:56.56\00:14:58.63
you can put together
with any stage that you're at,
00:14:58.66\00:15:02.20
you don't have to be wealthy,
what you have to do is plan.
00:15:02.23\00:15:06.03
Again, nobody plans to
fail, they fail to plan.
00:15:06.07\00:15:10.41
We want to help you plan,
00:15:10.44\00:15:12.11
"Up to 90% of all women
00:15:12.14\00:15:13.98
will be making
financial decisions
00:15:14.01\00:15:16.31
on their own due
to being widowed,
00:15:16.34\00:15:19.11
divorced or
unmarried, that's 90%."
00:15:19.15\00:15:22.05
That would be in their lifetime.
00:15:22.08\00:15:24.45
"It's time to think about
what you need to do now today,
00:15:24.49\00:15:29.56
not when you're
in emotional turmoil
00:15:29.59\00:15:31.69
or are in grieve,
00:15:31.73\00:15:33.13
and you need to get
assistance from a professional."
00:15:33.16\00:15:36.26
Let's do another one
of those statistic things,
00:15:36.30\00:15:39.27
"When seeking
financial direction
00:15:39.30\00:15:42.54
only 12% of women
00:15:42.57\00:15:45.47
seek the
assistance of a professional."
00:15:45.51\00:15:47.94
You know who they go to?
Family members or friends.
00:15:47.98\00:15:52.95
You need to go to a professional
00:15:52.98\00:15:54.78
because you can be led astray.
00:15:54.82\00:15:56.72
And now we're
talking about women
00:15:56.75\00:15:59.99
they are or they don't
have financial planning.
00:16:00.02\00:16:03.56
And let me just
throw this in very quickly.
00:16:03.59\00:16:06.49
Let's say
00:16:06.53\00:16:07.86
that something
happens to your husband
00:16:07.90\00:16:09.66
and he is really
wealthy and he left you
00:16:09.70\00:16:12.17
a insurance policy
for a million dollars.
00:16:12.20\00:16:15.10
All of a sudden you've
got millions of dollars,
00:16:15.14\00:16:18.21
let's say he was worth to me.
00:16:18.24\00:16:20.11
So now you've got
three million dollars
00:16:20.14\00:16:22.11
would be you're safe
for life, not necessarily,
00:16:22.14\00:16:24.75
if you don't take good
care of those resources,
00:16:24.78\00:16:28.68
let me tell you something,
00:16:28.72\00:16:30.05
there are some
unscrupulous people out there
00:16:30.09\00:16:32.29
that will do everything
00:16:32.32\00:16:33.66
they can to take
your money away from you.
00:16:33.69\00:16:35.22
So listen, be wise,
00:16:35.26\00:16:37.63
be wise in how you
handle those resources
00:16:37.66\00:16:41.46
that God has given you.
00:16:41.50\00:16:43.13
Let's go on.
00:16:43.16\00:16:45.07
For that reason we
have invited Barry,
00:16:45.10\00:16:49.30
Nancy and Earlenne
00:16:49.34\00:16:52.84
to help us with our...
00:16:52.87\00:16:56.04
We're going to call
00:16:56.08\00:16:57.41
this a training
period here today.
00:16:57.45\00:16:58.81
I like that. That's good.
00:16:58.85\00:17:00.35
To instruct the
ladies and, gentlemen,
00:17:00.38\00:17:04.02
again this program
is good for you to.
00:17:04.05\00:17:06.52
What can we do to
stabilize our lives?
00:17:06.55\00:17:09.49
What can we do?
00:17:09.52\00:17:10.86
Earlenne, I'm going
to let you go first.
00:17:10.89\00:17:13.03
Let me go to you.
00:17:13.06\00:17:14.40
If you were
counseling these ladies,
00:17:14.43\00:17:16.93
what would be the first document
00:17:16.97\00:17:19.47
that you would think
00:17:19.50\00:17:20.84
they need to write
to get some stability
00:17:20.87\00:17:23.47
in their lives?
00:17:23.51\00:17:25.37
Well,
00:17:25.41\00:17:27.04
there are several that
we could, could ask them
00:17:27.08\00:17:30.28
if they'd like to participate in
00:17:30.31\00:17:32.08
but the first thing
I like to know is one,
00:17:32.11\00:17:35.05
are you still viewing 3ABN
00:17:35.08\00:17:38.12
and that's a
very important thing,
00:17:38.15\00:17:40.82
then I want to know a
little bit about them.
00:17:40.86\00:17:43.36
Once I find out a
little bit about them
00:17:43.39\00:17:45.43
and their
charitable intent to 3ABN.
00:17:45.46\00:17:48.50
I love to hear their stories
of how they found at 3ABN
00:17:48.53\00:17:53.07
or what they've done for 3ABN
and what their heart desires.
00:17:53.10\00:17:57.01
So that's very
important, that also leads me
00:17:57.04\00:17:59.87
into directing them
in the right direction.
00:17:59.91\00:18:02.04
And can we go to the annuities
00:18:02.08\00:18:04.55
and maybe discuss
what we can do there.
00:18:04.58\00:18:06.38
Absolutely
00:18:06.41\00:18:07.75
Okay, let's go
ahead and do that.
00:18:07.78\00:18:09.68
So I would like
to share with them
00:18:09.72\00:18:12.25
that the annuities have
some tremendous interest,
00:18:12.29\00:18:16.26
that interest can be
used for a number of things
00:18:16.29\00:18:19.53
and when women call,
00:18:19.56\00:18:21.56
we like to find out
what their interests are.
00:18:21.60\00:18:24.50
Now annuity is a
document where you invest money.
00:18:24.53\00:18:27.17
You invest money and
when you invest that money,
00:18:27.20\00:18:30.84
you are going to earn
according to your age.
00:18:30.87\00:18:34.88
And age is not a problem.
00:18:34.91\00:18:36.34
This is a situation
00:18:36.38\00:18:37.71
where the older you
are the better it is.
00:18:37.75\00:18:41.68
You can't find another
benefit program like that.
00:18:41.72\00:18:44.39
The older you
are, the better it is,
00:18:44.42\00:18:46.49
you don't get canceled, so...
00:18:46.52\00:18:49.12
Is it revocable
or non revocable?
00:18:49.16\00:18:50.86
This is an irrevocable document,
00:18:50.89\00:18:52.69
very good question, Jill.
00:18:52.73\00:18:54.33
And that is a
question they do ask is it,
00:18:54.36\00:18:56.87
you know, irrevocable?
00:18:56.90\00:18:58.23
Yes, it is.
00:18:58.27\00:18:59.60
So if you have some finances
just lying around and women do.
00:18:59.63\00:19:05.81
I remember one time
we were doing a program
00:19:05.84\00:19:08.81
and one of our trust
officers said this time,
00:19:08.84\00:19:12.05
said they had a friend
00:19:12.08\00:19:13.42
who had like $89,000 in the bank
00:19:13.45\00:19:17.19
and it was
drawing maybe .01% a year
00:19:17.22\00:19:22.16
and so when she
and she was in her 80s
00:19:22.19\00:19:26.36
so that means
00:19:26.39\00:19:27.73
that she would have been
drawing like 8%, am I close?
00:19:27.76\00:19:30.30
Sure, let me give
you those figures.
00:19:30.33\00:19:32.30
If you're 84 years
old, you could get 7.6%.
00:19:32.33\00:19:36.10
7.6.
00:19:36.14\00:19:37.84
As opposed to...
00:19:37.87\00:19:39.44
As opposed to next to nothing,
00:19:39.47\00:19:41.31
I had a lady
call me and she said,
00:19:41.34\00:19:43.04
"I earned a quarter last month.
00:19:43.08\00:19:45.11
Can you do me any better
00:19:45.15\00:19:46.48
on some money
I'd like to invest."
00:19:46.51\00:19:48.72
And so when she told me
that she was 90 years old
00:19:48.75\00:19:51.99
and I said, "Yes,
we can do 9% for you."
00:19:52.02\00:19:55.39
I thought she was
gonna fall off the chair,
00:19:55.42\00:19:57.33
she must have been
sitting at on at home.
00:19:57.36\00:19:59.96
She was so surprised,
so shocked and she said,
00:20:00.00\00:20:02.33
that's what I'm doing.
00:20:02.36\00:20:03.70
I don't have to
think about it any further.
00:20:03.73\00:20:05.17
I've been
wanting to do something
00:20:05.20\00:20:06.53
where God and I
could share this as a plan.
00:20:06.57\00:20:09.17
So in her life she's
going to earn the interest,
00:20:09.20\00:20:11.97
in her death 3ABN
is her beneficiary
00:20:12.01\00:20:15.81
and the person that will receive
00:20:15.84\00:20:17.71
the balance left in her account.
00:20:17.75\00:20:19.88
Praise God.
00:20:19.91\00:20:21.25
So dose 3ABN,
pardon my ignorance here,
00:20:21.28\00:20:23.02
I'm a newbie.
00:20:23.05\00:20:24.39
Does 3ABN would we
invest the money that comes in,
00:20:24.42\00:20:27.39
does it go into stocks, bonds,
00:20:27.42\00:20:28.99
what happens with that
like if I were doing an annuity?
00:20:29.02\00:20:32.06
Yes, we do. What
will happen with that?
00:20:32.09\00:20:33.43
We do invest
00:20:33.46\00:20:34.80
and with this one
it's a bank in California
00:20:34.83\00:20:39.50
that does our annuities for us.
00:20:39.53\00:20:41.60
Our investments have been great,
00:20:41.64\00:20:43.14
they've worked
with us a lot of years,
00:20:43.17\00:20:44.97
they know what we want to do,
00:20:45.01\00:20:47.08
they know where it's best to go.
00:20:47.11\00:20:48.44
Okay.
00:20:48.48\00:20:49.81
And, Jill, to
answer this question
00:20:49.84\00:20:51.48
which is they asked often.
00:20:51.51\00:20:53.21
Do you invest in pornography?
00:20:53.25\00:20:56.32
Do you invest in
alcohol, tobacco, bad things?
00:20:56.35\00:20:59.85
No, we don't. No,
we're very conservative.
00:20:59.89\00:21:01.96
We're very conservative,
00:21:01.99\00:21:03.53
and God has
blessed the funds for 3ABN
00:21:03.56\00:21:06.73
because we've laid it all down
00:21:06.76\00:21:09.60
and said, no, we
aren't going to do that.
00:21:09.63\00:21:12.10
So an annuity is
relatively easy to do,
00:21:12.13\00:21:14.80
it's our one page application.
00:21:14.84\00:21:17.51
And in a one page application
00:21:17.54\00:21:19.31
you're mainly
giving us your name,
00:21:19.34\00:21:21.14
your address, your birthday,
your social security number,
00:21:21.18\00:21:24.31
and who your
emergency contact is.
00:21:24.35\00:21:27.58
Then you're reading
the little statement
00:21:27.62\00:21:28.95
at the bottom and
agreeing that you know
00:21:28.98\00:21:30.85
that it's an
irrevocable document
00:21:30.89\00:21:33.05
and that when you pass away
the remainder will go to 3ABN
00:21:33.09\00:21:36.79
and there aren't
any other beneficiaries.
00:21:36.83\00:21:38.69
But during the period of time
00:21:38.73\00:21:42.43
when you start drawing
this interest for instance
00:21:42.46\00:21:45.27
if you're 84
00:21:45.30\00:21:46.63
you'll drawl 7
point something percent.
00:21:46.67\00:21:49.54
Seven point six.
00:21:49.57\00:21:50.91
Seven point six percent
00:21:50.94\00:21:52.41
so every month, every quarter,
00:21:52.44\00:21:55.54
however you
choose to receive this
00:21:55.58\00:21:59.45
your annuity interest
00:21:59.48\00:22:03.22
then it's just deposited
right into your bank account
00:22:03.25\00:22:06.86
and there you got
that those finances
00:22:06.89\00:22:09.19
to further the kingdom of God,
00:22:09.22\00:22:10.93
to further to
help your children,
00:22:10.96\00:22:12.93
to help yourself.
00:22:12.96\00:22:14.30
And rather than that money
00:22:14.33\00:22:15.86
just sitting there
dormant in a bank account,
00:22:15.90\00:22:19.00
your money needs
to be working for you
00:22:19.03\00:22:21.00
and it's just sitting
there lazily doing nothing
00:22:21.04\00:22:23.61
instead of working.
00:22:23.64\00:22:24.97
And let me tell you about
some of the simpler things
00:22:25.01\00:22:26.41
we've been able to help
people with in their lives...
00:22:26.44\00:22:29.11
Could I add something.
With their interest...
00:22:29.14\00:22:30.48
Yes. Yeah, sure.
00:22:30.51\00:22:31.85
On the gift of annuity
00:22:31.88\00:22:33.21
the sum that the receipt
the donor gets is guaranteed,
00:22:33.25\00:22:38.22
that 7.6% of the
dollar amount have to be
00:22:38.25\00:22:41.59
is guaranteed for their life,
00:22:41.62\00:22:44.03
and secondarily
they get a deduction
00:22:44.06\00:22:46.93
based on the, the gift,
00:22:46.96\00:22:49.36
the amount of the gift going in,
00:22:49.40\00:22:50.73
so there is another benefit
00:22:50.77\00:22:52.10
beside the
dollars coming to you.
00:22:52.13\00:22:53.47
Like a tax deduction you mean?
00:22:53.50\00:22:54.87
Nice. Yes.
00:22:54.90\00:22:56.24
Okay, okay.
00:22:56.27\00:22:58.21
Is there a
minimum amount to put in?
00:22:58.24\00:23:00.14
Do you have to
put in 20,000 or what?
00:23:00.18\00:23:01.51
Yes, you have to start
with 5000 for a single.
00:23:01.54\00:23:03.81
Okay.
00:23:03.85\00:23:05.18
So 5,000 for single,
00:23:05.21\00:23:06.55
10,000 for a joint
00:23:06.58\00:23:08.82
and you cannot
add to an annuity.
00:23:08.85\00:23:12.72
You just buy a new one,
so maybe you have 5,000 today
00:23:12.75\00:23:16.12
and next week you
came up with another 5,000
00:23:16.16\00:23:18.33
because somebody
left it at your doorstep.
00:23:18.36\00:23:20.10
No, you actually
found it in the bank account
00:23:20.13\00:23:22.60
and you wanted to go ahead
and put in, do another one,
00:23:22.63\00:23:25.53
call us up we'll do another one.
00:23:25.57\00:23:27.24
But in mean time
you've gotten an older
00:23:27.27\00:23:29.24
so does your
interest rate go up?
00:23:29.27\00:23:30.77
Yes, yes with every year
your interest rate goes up
00:23:30.81\00:23:34.38
with the new purchase.
00:23:34.41\00:23:35.74
Okay.
00:23:35.78\00:23:37.11
It's not going to
change your old one
00:23:37.15\00:23:38.81
and we've had
people call and say,
00:23:38.85\00:23:40.45
"For the last five years,
I've done an annuity every year
00:23:40.48\00:23:43.22
and my interest isn't the same."
00:23:43.25\00:23:44.99
And we've said,
"Well, praise the Lord
00:23:45.02\00:23:46.42
you've gotten a
little bit older,
00:23:46.45\00:23:47.79
he's given you some more time
00:23:47.82\00:23:49.16
and so this year
you had more income
00:23:49.19\00:23:51.33
than you did last year."
00:23:51.36\00:23:52.69
So that's always
a pleasant surprise.
00:23:52.73\00:23:54.93
I'd like to run
down through it again
00:23:54.96\00:23:56.70
that the charitable gift annuity
00:23:56.73\00:23:58.27
is an irrevocable document,
00:23:58.30\00:24:01.30
fixed interest
payments for your life
00:24:01.34\00:24:03.61
like Barry has added here.
00:24:03.64\00:24:05.31
That's great.
00:24:05.34\00:24:06.68
You may not add funds
but you can buy a new one,
00:24:06.71\00:24:09.71
you may not withdraw funds.
00:24:09.74\00:24:11.81
That's what irrevocable means.
00:24:11.85\00:24:13.18
And we'll be talking about
another document where you can,
00:24:13.21\00:24:16.32
but this one is irrevocable
and there are tax benefits.
00:24:16.35\00:24:21.56
And 3ABN is the
exclusive beneficiary.
00:24:21.59\00:24:24.66
Now when I get
people on the phone,
00:24:24.69\00:24:26.03
you ask some of the questions
00:24:26.06\00:24:27.40
that I ask them
and some of the things
00:24:27.43\00:24:28.76
I'd like to do is to find out
00:24:28.80\00:24:31.83
what they really
would like to use
00:24:31.87\00:24:33.54
this extra money for?
00:24:33.57\00:24:35.40
Oftentimes it is they want
to just give a monthly gift,
00:24:35.44\00:24:40.41
so we set it up in accounting
00:24:40.44\00:24:42.48
where they can give
a monthly gift to 3ABN
00:24:42.51\00:24:46.15
of, of this interest
00:24:46.18\00:24:47.55
so they invested the money
00:24:47.58\00:24:49.55
and we constantly let
the interest coming in.
00:24:49.58\00:24:52.45
What a generous person.
00:24:52.49\00:24:54.76
I also want to add
that annuity interest income
00:24:54.79\00:24:57.86
could be just
enough money to pay your,
00:24:57.89\00:25:01.46
your supplemental
insurance when you retire.
00:25:01.50\00:25:04.47
Nice, yes.
00:25:04.50\00:25:05.83
And, you know, maybe this
00:25:05.87\00:25:07.20
just that little
bit would be enough
00:25:07.24\00:25:08.57
now you get
Medicare and Medicaid.
00:25:08.60\00:25:09.94
Right.
00:25:09.97\00:25:11.31
But your husband even
helped you set this up.
00:25:11.34\00:25:13.07
He left that knowing you
00:25:13.11\00:25:14.44
would need to
pay a supplemental.
00:25:14.48\00:25:16.44
So that's another
thing to think ahead,
00:25:16.48\00:25:18.65
always think ahead.
00:25:18.68\00:25:20.82
How about the water
bill and the electric bill?
00:25:20.85\00:25:23.39
It goes up a little
more in the summer time
00:25:23.42\00:25:25.92
and I just can't quite meet it.
00:25:25.95\00:25:28.06
There you go.
00:25:28.09\00:25:29.42
You've got that money coming in.
00:25:29.46\00:25:31.19
How about
supplemental education,
00:25:31.23\00:25:33.73
supplementing education
for your grandchildren?
00:25:33.76\00:25:36.26
Yes.
00:25:36.30\00:25:37.63
We can send it to the academy
or grade school of your choice.
00:25:37.67\00:25:40.74
So when you set
up that interest,
00:25:40.77\00:25:42.47
we can make sure it goes
to where you've designated.
00:25:42.50\00:25:46.37
We've had a
couple of interesting
00:25:46.41\00:25:47.88
ones here recently
00:25:47.91\00:25:49.51
and that is I use
that money every month
00:25:49.54\00:25:52.98
to pay my co-pay
on my medications.
00:25:53.01\00:25:56.48
So to of the
older woman who may be,
00:25:56.52\00:25:58.62
you know, needs
that extra money,
00:25:58.65\00:26:00.56
there's another
benefit right there.
00:26:00.59\00:26:03.06
Always think about emergencies,
plan for the unexpected
00:26:03.09\00:26:06.96
because it just may be
that that would help you out.
00:26:07.00\00:26:10.57
And automatic donations I
think we've mentioned that
00:26:10.60\00:26:15.10
that we can take those
out each month for you.
00:26:15.14\00:26:18.81
And so that's with
annuities, and remember,
00:26:18.84\00:26:21.28
annuities are irrevocably,
00:26:21.31\00:26:25.15
but now let's say we
have somebody that says,
00:26:25.18\00:26:29.58
"I don't want to put something
in an irrevocable document."
00:26:29.62\00:26:34.06
I want to have my money
00:26:34.09\00:26:35.76
to where
although I'm investing it
00:26:35.79\00:26:38.16
and I'm drawing an interest rate
00:26:38.19\00:26:39.63
maybe not quite as high,
00:26:39.66\00:26:41.43
but I want to be able to
get that money if I need it.
00:26:41.46\00:26:44.07
Nancy, can you speak to that?
00:26:44.10\00:26:45.80
Yes, in fact my husband
00:26:45.83\00:26:47.17
and I just started one of these.
00:26:47.20\00:26:48.54
All right.
00:26:48.57\00:26:49.90
That's a revocable cash
trust and it is nice in that,
00:26:49.94\00:26:55.21
you can, you can
withdraw it if you need it,
00:26:55.24\00:26:58.58
you know, you can add to it
so as the years go on you can,
00:26:58.61\00:27:02.55
you can add any amount to
it to build up your principal.
00:27:02.58\00:27:06.12
You can let your interest accrue
00:27:06.15\00:27:09.19
and build up the principal
00:27:09.22\00:27:10.56
or you can get a
quarterly payment.
00:27:10.59\00:27:12.86
We generally say,
00:27:12.89\00:27:14.23
if it's funded
with the 50,000 or more,
00:27:14.26\00:27:16.53
you get a
monthly interest payment.
00:27:16.56\00:27:18.77
The interest rate is
00:27:18.80\00:27:20.14
sometimes equal to the
charitable gift annuity
00:27:20.17\00:27:23.61
for someone my age,
00:27:23.64\00:27:25.61
if you're in your 60s it's we...
00:27:25.64\00:27:29.14
The charitable gift annuities
are generally around 4%, 4.5%
00:27:29.18\00:27:33.28
and are charitable are...
00:27:33.31\00:27:35.18
Sorry, our cash trust interest
varies between 4 and 5% yearly.
00:27:35.22\00:27:40.22
So it's a nice interest rate
00:27:40.26\00:27:41.72
something that you don't
find very many places if any.
00:27:41.76\00:27:45.76
And another thing
that Nancy and I do is
00:27:45.79\00:27:47.96
we're careful to
calculate for them,
00:27:48.00\00:27:50.43
so that we can tell
them you're still better off
00:27:50.47\00:27:52.97
with a cash trust
which is revocable
00:27:53.00\00:27:55.60
or if you
needed emergency money,
00:27:55.64\00:27:57.74
because you aren't
far enough in up in age
00:27:57.77\00:28:00.91
to qualify for one
that's, that's higher
00:28:00.94\00:28:03.88
than what you're going
to earn in that cash trust.
00:28:03.91\00:28:06.65
So for someone my age,
00:28:06.68\00:28:08.18
you would say
instead of doing an annuity
00:28:08.22\00:28:10.55
you would recommend I
should do a cash trust.
00:28:10.59\00:28:12.99
Yes, in fact, you're not
old enough to do an annuity.
00:28:13.02\00:28:15.09
How old you have to
be to do an annuity?
00:28:15.12\00:28:17.29
Starting at 68 gets
close to the same number,
00:28:17.33\00:28:20.36
65 is the preferred.
00:28:20.40\00:28:22.00
Okay.
00:28:22.03\00:28:23.37
But as we're
talking about people
00:28:23.40\00:28:25.50
or women in particular
who lose their spouses
00:28:25.53\00:28:29.17
either through divorce or death.
00:28:29.20\00:28:31.34
We've got some
veteran situations,
00:28:31.37\00:28:33.74
these people are a lot younger
00:28:33.78\00:28:36.61
but it's not that we
don't have anything for you
00:28:36.64\00:28:38.65
and it's not that you can't,
you know, have a plan with God.
00:28:38.68\00:28:42.08
Both of these
plans are plans with God
00:28:42.12\00:28:44.72
and some you
have the opportunity
00:28:44.75\00:28:47.06
like what you're saying
00:28:47.09\00:28:48.56
who can they
name as beneficiaries?
00:28:48.59\00:28:50.33
Yeah, I was
going to bring that up
00:28:50.36\00:28:52.63
and this particular one,
00:28:52.66\00:28:54.23
especially when you're
young, you might have children
00:28:54.26\00:28:56.46
or, you know, siblings
00:28:56.50\00:28:58.97
that if you were to
pass away while you had this,
00:28:59.00\00:29:01.27
you list who
your beneficiaries are
00:29:01.30\00:29:04.61
and we ask that you list
3ABN as one of the beneficiaries
00:29:04.64\00:29:07.38
at a minimum of 25%
00:29:07.41\00:29:09.54
but the other 75 you can
leave to other ministries,
00:29:09.58\00:29:12.45
but you can
include your family in that
00:29:12.48\00:29:14.55
and so a lot of the...
00:29:14.58\00:29:15.92
Yeah, lot of young people,
well, it's young 60 year olds.
00:29:15.95\00:29:19.65
You know they
name their children
00:29:19.69\00:29:21.16
as beneficiaries.
00:29:21.19\00:29:23.06
Some of them will
specifically even say,
00:29:23.09\00:29:25.76
if my, my daughter passes away
00:29:25.79\00:29:28.06
I want to go to
fund Christian education
00:29:28.10\00:29:31.40
for my grandchildren.
00:29:31.43\00:29:32.83
So we can write
that into the benefit,
00:29:32.87\00:29:34.80
you know, into the
trust as well for the...
00:29:34.84\00:29:36.24
as a beneficiary.
00:29:36.27\00:29:37.61
Something I've always
appreciated about 3ABN is
00:29:37.64\00:29:40.24
just the way we do business
00:29:40.28\00:29:44.61
is we always encourage
people remember your children.
00:29:44.65\00:29:47.38
Yes.
00:29:47.42\00:29:48.75
Always take care
of your family first.
00:29:48.78\00:29:50.75
Now we're calling
this a cash trust,
00:29:50.79\00:29:53.46
I think it's also
called A Revocable Living Trust
00:29:53.49\00:29:57.73
or A Family Living Trust
00:29:57.76\00:30:00.33
and it also includes
property, doesn't it Barry?
00:30:00.36\00:30:04.47
Yes, and hopefully for
the Revocable Living Trust
00:30:04.50\00:30:08.00
the value of it
is that if you have
00:30:08.04\00:30:10.34
all of your assets in the trust,
00:30:10.37\00:30:12.74
then at the death
of one of the spouses
00:30:12.77\00:30:16.18
everything just flows
immediately to the other,
00:30:16.21\00:30:18.98
they're fully in charge,
absolute totally in charge,
00:30:19.01\00:30:22.68
and so there is
no probate process,
00:30:22.72\00:30:24.95
if the death of
the first there will...
00:30:24.99\00:30:26.99
If everything is in the trust
00:30:27.02\00:30:28.36
there will be
no probate process,
00:30:28.39\00:30:29.86
no court procedure at the
death of the allies to them.
00:30:29.89\00:30:33.36
And that is the beauty of
the Revocable Living Trust.
00:30:33.40\00:30:36.63
So if the husband
and wife have it jointly
00:30:36.67\00:30:40.70
and one passes
00:30:40.74\00:30:42.07
then there is no hiccups at all,
00:30:42.10\00:30:44.74
it just goes to the next.
00:30:44.77\00:30:46.11
And there's no cost
00:30:46.14\00:30:47.48
because you're
not going to court,
00:30:47.51\00:30:48.84
you're not going to probate,
00:30:48.88\00:30:50.21
and that can get very expensive.
00:30:50.25\00:30:52.68
Yes. Yes.
00:30:52.71\00:30:54.05
As Barry can tell us
that can get very expensive
00:30:54.08\00:30:56.79
and that money is
coming right off the top,
00:30:56.82\00:30:59.22
and so if you're a beneficiary
00:30:59.25\00:31:01.36
it's going to cut
down what you're getting.
00:31:01.39\00:31:03.39
And it's time consuming
too. Oh, very consuming.
00:31:03.43\00:31:05.46
And also if you need to...
00:31:05.49\00:31:07.70
If you need access
to your money right away
00:31:07.73\00:31:09.63
sometimes it's
tied up, you can't.
00:31:09.66\00:31:11.47
Well, I wanted to say
that through the years
00:31:11.50\00:31:13.90
Hal and I have been able
to put small amounts of money
00:31:13.94\00:31:18.11
into this Revocable Living Trust
00:31:18.14\00:31:23.24
and I recall a time
00:31:23.28\00:31:25.41
when I got a phone
call from someone saying,
00:31:25.45\00:31:27.75
"I've got to have money,
00:31:27.78\00:31:29.12
could you
overnight me some money."
00:31:29.15\00:31:31.12
And all I had to do
was call across the street
00:31:31.15\00:31:34.96
to the Planned Giving
and Trust Services department
00:31:34.99\00:31:37.76
and say, "I've got an
emergency in my family."
00:31:37.79\00:31:40.40
And really I didn't have
to explain what I was doing,
00:31:40.43\00:31:44.53
just tell him I need the money
00:31:44.57\00:31:46.13
and, you know, I got
that money overnighted.
00:31:46.17\00:31:50.44
It's that quick,
they are quick to it
00:31:50.47\00:31:53.01
because it's your
money and if you need it,
00:31:53.04\00:31:57.71
it gives you easy access to it.
00:31:57.75\00:31:59.81
Now that's not what we want,
00:31:59.85\00:32:02.08
we want to for the money to grow
00:32:02.12\00:32:04.69
and be there for
us when we have to,
00:32:04.72\00:32:06.72
when we're in a way,
00:32:06.76\00:32:08.09
when we no longer
have learning abilities
00:32:08.12\00:32:11.33
like we do today.
00:32:11.36\00:32:12.69
And so, but, that was
a beauty to me in that
00:32:12.73\00:32:16.90
there was no hassle
and it was handled quickly
00:32:16.93\00:32:19.57
and very professionally.
00:32:19.60\00:32:20.94
Normally we do 24 to 48
hours is our turnaround time.
00:32:20.97\00:32:24.34
Now I will explain
if it comes on a weekend
00:32:24.37\00:32:27.78
then our staff of course
is not here on the weekend
00:32:27.81\00:32:30.58
but Monday morning
we'll catch it right away,
00:32:30.61\00:32:32.65
even if it comes in on a
fax machine or an e-mail,
00:32:32.68\00:32:35.62
we'll get it taken care of.
00:32:35.65\00:32:37.79
You know what's
amazing about this
00:32:37.82\00:32:39.15
is that your money
is going to minister
00:32:39.19\00:32:42.16
and bless people
all over the world,
00:32:42.19\00:32:44.23
you know, I think
about the message of 3ABN
00:32:44.26\00:32:47.80
and the gospel message,
00:32:47.83\00:32:49.16
the undiluted
Three Angles' Messages
00:32:49.20\00:32:51.47
and as it goes around the world
00:32:51.50\00:32:52.90
and when you put
money in with 3ABN,
00:32:52.93\00:32:56.17
whether it's a
cash trust or an annuity
00:32:56.20\00:32:58.67
that that money is
going to further the gospel
00:32:58.71\00:33:01.01
and it's blessing you,
00:33:01.04\00:33:03.08
so to me that's
a win-win situation
00:33:03.11\00:33:05.65
and just think
someone my age could get 4.5%
00:33:05.68\00:33:09.72
I mean that's almost unheard of,
00:33:09.75\00:33:11.22
so that's incredible.
00:33:11.25\00:33:12.59
Does that
percentage go up and down
00:33:12.62\00:33:14.36
based on the market.
00:33:14.39\00:33:15.72
I know you said attorney Benton
that the annuity is fixed.
00:33:15.76\00:33:18.19
But with the
percentage with the cash trust,
00:33:18.23\00:33:21.20
does that
writhe with the market?
00:33:21.23\00:33:22.56
And let me explain
a little on that too
00:33:22.60\00:33:24.87
is that fluctuates by the month.
00:33:24.90\00:33:28.37
We're quoting an
annual percentage rate.
00:33:28.40\00:33:31.31
How do you come up with
an annual percentage rate?
00:33:31.34\00:33:33.74
You take 12 months of
interest, you add it up,
00:33:33.78\00:33:36.98
you divide it by 12
and now you have the...
00:33:37.01\00:33:39.68
That's your average.
00:33:39.71\00:33:41.05
Yes, the annual
percentage rate comes out.
00:33:41.08\00:33:43.45
So if you're thinking a
check is going to always be 4.2%
00:33:43.49\00:33:46.76
it's not one
month it will be 1.3
00:33:46.79\00:33:51.26
another one could be 2.6
it could then jump to 4.2
00:33:51.29\00:33:55.46
and back down to 1.4.
00:33:55.50\00:33:57.33
And I remember one December
when it was 9 point something.
00:33:57.37\00:34:00.40
Yes, yes.
00:34:00.44\00:34:01.77
And we had phone calls
people calling us saying,
00:34:01.80\00:34:04.77
"We think you made a mistake
our check is almost double,
00:34:04.81\00:34:07.74
that was such a
lovely Christmas surprise."
00:34:07.78\00:34:10.48
I remember back when,
00:34:10.51\00:34:12.35
remember when the
market really took a nosedive
00:34:12.38\00:34:15.48
and so many people got in
really bad financial straits
00:34:15.52\00:34:19.69
and during that time
00:34:19.72\00:34:21.06
because we are conservative
in our investing, we maintained
00:34:21.09\00:34:26.09
and our people
didn't lose any money.
00:34:26.13\00:34:28.16
We can honestly say
that, I can still say that.
00:34:28.20\00:34:30.63
Yes, yes.
00:34:30.67\00:34:32.00
So they're not in
high risk investments then,
00:34:32.03\00:34:33.80
would that be accurate?
00:34:33.84\00:34:35.17
Mm-hmm. Okay.
00:34:35.20\00:34:36.54
It is really
very well planned out.
00:34:36.57\00:34:38.07
Yeah, I wrote down something
00:34:38.11\00:34:40.31
we were going to discuss
self administered trusts.
00:34:40.34\00:34:44.81
Who was going to discuss?
00:34:44.85\00:34:46.18
Okay, now that's
our property trust
00:34:46.21\00:34:47.62
and you can all help me
00:34:47.65\00:34:49.28
kind of put a little
bit of this together.
00:34:49.32\00:34:52.15
If you have property,
00:34:52.19\00:34:53.76
it's a good idea to
put everything together
00:34:53.79\00:34:56.62
so we offered the cash
portion, cash trust portion,
00:34:56.66\00:35:00.50
the Property Trust,
00:35:00.53\00:35:01.86
which is our actually
what we call S-A-T SAT, SAT
00:35:01.90\00:35:08.47
so if you're looking
for a SAT on your property
00:35:08.50\00:35:11.01
that means you're going to
self administer your trust,
00:35:11.04\00:35:13.91
but we're going to guide
you all the way through it.
00:35:13.94\00:35:16.24
We're going to have
00:35:16.28\00:35:17.61
the attorney plan
out your documents
00:35:17.65\00:35:19.85
and have those
all fixed for you,
00:35:19.88\00:35:22.22
based on what you want in it.
00:35:22.25\00:35:25.12
And then there
might be extra things
00:35:25.15\00:35:26.49
that you will, we
will ask you to put there,
00:35:26.52\00:35:28.76
that's a good idea,
that might be automobiles,
00:35:28.79\00:35:32.49
collectables,
furniture, estate sale,
00:35:32.53\00:35:36.56
if that's what you
want when you pass away
00:35:36.60\00:35:39.03
and all this will
feed into your trust.
00:35:39.07\00:35:42.44
And if all of
this is already listed
00:35:42.47\00:35:44.21
and you keep it
up-to-date with us,
00:35:44.24\00:35:45.97
then we can move
right through the process
00:35:46.01\00:35:48.01
so your property is
very valuable to 3ABN
00:35:48.04\00:35:51.75
and to your trust,
00:35:51.78\00:35:53.72
and if you've
named beneficiaries
00:35:53.75\00:35:55.68
this would be the way
to divide up the money
00:35:55.72\00:35:58.25
between your children and 3ABN
00:35:58.29\00:36:01.02
and we will come
right there to the house,
00:36:01.06\00:36:03.02
we will take care
of all the closing,
00:36:03.06\00:36:05.29
we will have the estate
sale if needed and you say,
00:36:05.33\00:36:08.13
"Oh, I don't want you
to have an estate sale
00:36:08.16\00:36:09.86
because Suzy is going to
get my baby grand piano."
00:36:09.90\00:36:13.37
And now, Jill,
00:36:13.40\00:36:14.74
if that was your
baby grand piano coming,
00:36:14.77\00:36:16.30
you would definitely
want your baby grand piano.
00:36:16.34\00:36:19.04
So mom and dad...
You better believe it.
00:36:19.07\00:36:21.01
I need my piano. That's right.
00:36:21.04\00:36:23.35
Make a list of what you
want your children to get,
00:36:23.38\00:36:27.15
that's your gift to them,
00:36:27.18\00:36:29.45
after that everything
will be in your trust,
00:36:29.48\00:36:32.39
we'll do an estate sale,
00:36:32.42\00:36:34.52
and also sometimes
people leave us request,
00:36:34.56\00:36:38.36
would you ask the church members
00:36:38.39\00:36:40.50
if there's any
families who need furniture,
00:36:40.53\00:36:44.17
dishes, plates, silverware,
anything, pots and pans.
00:36:44.20\00:36:48.34
Sometimes we
work that detail out,
00:36:48.37\00:36:50.31
so you can see
we are very varied
00:36:50.34\00:36:52.77
in what we can do.
00:36:52.81\00:36:54.14
Yeah, I recall the time
00:36:54.18\00:36:55.74
that we were
interviewing a couple
00:36:55.78\00:36:57.75
that had put everything in trust
00:36:57.78\00:37:00.45
and what the gentleman said,
spoke to me so loudly he said,
00:37:00.48\00:37:04.55
"When we got everything
in the cast trust he said, "
00:37:04.59\00:37:08.79
I was so relieved,
00:37:08.82\00:37:10.49
it wasn't my concern anymore,
it wasn't my headache anymore,
00:37:10.53\00:37:14.73
it was 3ABN's from now on,
00:37:14.76\00:37:17.40
they are the one
00:37:17.43\00:37:18.87
that will take
care of everything,
00:37:18.90\00:37:21.00
I don't have to concern myself,
00:37:21.04\00:37:22.64
my children don't
have to concern themselves,
00:37:22.67\00:37:25.51
at my passing everything
will be taken care of for them.
00:37:25.54\00:37:29.44
"Oh, what a relief
to have that off of me."
00:37:29.48\00:37:31.35
It is a relief, it's
a big sigh of relief.
00:37:31.38\00:37:34.35
Yes, and when people call
in sometimes and ask questions
00:37:34.38\00:37:38.15
and when we
explain the Living Trust,
00:37:38.19\00:37:41.66
they'll say, "Oh,
you know, my family,
00:37:41.69\00:37:45.29
my kids are always so
worried" because, you know,
00:37:45.33\00:37:48.10
families today don't live close
to each other, they'll say,
00:37:48.13\00:37:51.13
"I have one daughter in Oklahoma
00:37:51.17\00:37:52.60
and I have
another one in New York
00:37:52.63\00:37:53.97
and I live in Arizona..."
00:37:54.00\00:37:55.34
and they say, oh,
they won't have to,
00:37:55.37\00:37:56.91
they're not going to be burdened
00:37:56.94\00:37:58.27
with trying to settle the estate
00:37:58.31\00:37:59.91
or they're going to like this.
00:37:59.94\00:38:01.84
All they do is get the...
00:38:01.88\00:38:05.21
When things are divided
up, they receive and it's...
00:38:05.25\00:38:09.25
We certainly
don't make that decision
00:38:09.28\00:38:11.42
whatever those parents say,
00:38:11.45\00:38:13.25
what that is
exactly what 3ABN does.
00:38:13.29\00:38:16.79
And sometimes
parents start out by saying,
00:38:16.83\00:38:19.39
we want the child to have this
00:38:19.43\00:38:22.30
or two children are
going to share the house
00:38:22.33\00:38:25.77
as years go along they think
00:38:25.80\00:38:28.27
now these two children
00:38:28.30\00:38:29.64
really aren't going to
be staying in this house,
00:38:29.67\00:38:31.47
they now have
their own furniture,
00:38:31.51\00:38:33.14
their own home,
their own children,
00:38:33.17\00:38:35.08
and we need to change it,
00:38:35.11\00:38:37.38
we do offer the
amendments where ever needed
00:38:37.41\00:38:40.65
you are doing a
self administered trust
00:38:40.68\00:38:43.32
on property.
00:38:43.35\00:38:44.69
So that means you call us
and we work through the details
00:38:44.72\00:38:48.06
and we have our attorney
rewrite an amendment for you,
00:38:48.09\00:38:51.89
to write an amendment for you.
00:38:51.93\00:38:53.60
So it can always
properly reflect what you want.
00:38:53.63\00:38:57.70
That's right.
00:38:57.73\00:38:59.07
Can I ask one
question, is there a minimum,
00:38:59.10\00:39:00.84
I know we talked about
the minimum for annuities,
00:39:00.87\00:39:03.37
I think you
said 5000 for single,
00:39:03.41\00:39:06.78
but what about
for of the cash trust
00:39:06.81\00:39:09.48
or for the property trust,
is there a minimum or more...
00:39:09.51\00:39:12.11
Sure. Go ahead.
00:39:12.15\00:39:13.48
There's a $10,000 minimum
00:39:13.52\00:39:15.42
if yours just
having a single account,
00:39:15.45\00:39:17.62
if it's a joint account
then it's a $20,000 minimum.
00:39:17.65\00:39:23.02
You can add any
amount you want to,
00:39:23.06\00:39:24.83
and once you have it set up,
00:39:24.86\00:39:26.63
that's the
minimum you can put in,
00:39:26.66\00:39:29.00
you can put in a lot more
too but you can, you know,
00:39:29.03\00:39:32.40
after that you
can put in a $100,
00:39:32.43\00:39:34.27
you can put in a $1000.
00:39:34.30\00:39:36.64
We had a lady that
needed hearing aids
00:39:36.67\00:39:38.61
and she needed them right away
00:39:38.64\00:39:40.51
and I never put away
$3000, $4000 for hearing aids
00:39:40.54\00:39:44.68
so she borrowed it
00:39:44.71\00:39:46.05
and then she slowly paid back
until she put it all back in,
00:39:46.08\00:39:49.42
and that's when she learned
that she could put money in
00:39:49.45\00:39:51.69
so she keeps giving us
more so that does happen.
00:39:51.72\00:39:56.12
Well, we've got
other instruments
00:39:56.16\00:39:57.79
we wanted to look
at and one is a will.
00:39:57.83\00:40:00.03
Nancy, were you
going to talk about Wills?
00:40:00.06\00:40:02.50
Yes, if you have property
then a trust is the way to go,
00:40:02.53\00:40:06.77
but if you don't have
property, if you have cash
00:40:06.80\00:40:09.94
maybe a couple of
different checking accounts
00:40:09.97\00:40:11.94
or savings accounts and,
00:40:11.97\00:40:13.61
and you want to
even retirement accounts
00:40:13.64\00:40:18.25
whatever then, then a
will is proper in that,
00:40:18.28\00:40:22.08
you can list who you want
your beneficiaries to be and,
00:40:22.12\00:40:25.55
but the one thing about a will
00:40:25.59\00:40:26.92
as Mr. Barry Benton said
it's gonna go through probate,
00:40:26.96\00:40:31.29
so if you have
any property at all
00:40:31.33\00:40:34.26
then we say the trust
00:40:34.30\00:40:35.63
that does not have
to go through probate
00:40:35.66\00:40:37.17
but Wills are nice just
00:40:37.20\00:40:38.67
because you can
list your beneficiaries
00:40:38.70\00:40:40.44
and it's taken care of that way,
00:40:40.47\00:40:42.90
but you do have
to name an executor
00:40:42.94\00:40:44.97
and the executor has to take
it through the court system.
00:40:45.01\00:40:48.44
But if you don't
have any property
00:40:48.48\00:40:50.15
and you have lots of things
you want to list specifically,
00:40:50.18\00:40:52.71
go to certain
people or percentages
00:40:52.75\00:40:54.65
go to certain people
00:40:54.68\00:40:56.02
then the will
is what you'd need.
00:40:56.05\00:40:57.49
And we want to
bring out too, Nancy,
00:40:57.52\00:40:59.89
that when
people are doing these,
00:40:59.92\00:41:03.59
they need to keep us posted
on when their children move...
00:41:03.63\00:41:07.86
Yes.
00:41:07.90\00:41:09.23
And where they've gone to
00:41:09.26\00:41:10.60
and their phone
numbers and new addresses,
00:41:10.63\00:41:12.63
but kids you
need to tell us also
00:41:12.67\00:41:15.54
where did you put mom and dad?
00:41:15.57\00:41:17.14
Did you put them
in retirement living?
00:41:17.17\00:41:18.74
Did you put them
in a nursing home?
00:41:18.77\00:41:21.14
We need to know these things
00:41:21.18\00:41:22.91
otherwise we can't
sell your plan at all,
00:41:22.94\00:41:25.35
we're stuck until we
can get more information.
00:41:25.38\00:41:28.78
And it's wonderful we
do send out wallet cards
00:41:28.82\00:41:32.32
and keep those in your wallets
00:41:32.35\00:41:34.29
and that is something that says,
00:41:34.32\00:41:36.26
"When I pass away
00:41:36.29\00:41:37.96
please contact
Three Angles Broadcasting
00:41:37.99\00:41:40.40
because I have a
document with them."
00:41:40.43\00:41:42.36
So then we are able to take care
00:41:42.40\00:41:44.20
of your closing of your trust
00:41:44.23\00:41:47.54
and also your charitable
intent to the Lord's work.
00:41:47.57\00:41:50.71
If we have to lace
00:41:50.74\00:41:52.41
and we don't get that right away
00:41:52.44\00:41:54.14
then the money doesn't
get here for the ministry.
00:41:54.18\00:41:57.85
And now you're going
to tell me what a POD is?
00:41:57.88\00:42:02.95
The POD, okay.
00:42:02.98\00:42:05.45
A POD.
00:42:05.49\00:42:07.29
A POD, okay, we
have fun with this one
00:42:07.32\00:42:09.32
because we tell people,
00:42:09.36\00:42:10.93
you'll need to go to
your bank and get a POD, okay,
00:42:10.96\00:42:14.16
I'll go to my bank
and I'll get a POD.
00:42:14.20\00:42:16.06
They get there
and the cashier says,
00:42:16.10\00:42:17.90
"A POD, I don't
know anything about POD."
00:42:17.93\00:42:22.50
Well, then just tell him
we would like to have the form
00:42:22.54\00:42:25.67
to fill out that when we die
00:42:25.71\00:42:27.48
any money that we
have here in your bank
00:42:27.51\00:42:30.51
who we're going to give it to,
00:42:30.55\00:42:31.88
we're not going to
leave it for you, sorry,
00:42:31.91\00:42:33.62
but we're not
going leave it for you,
00:42:33.65\00:42:34.98
we have intent
00:42:35.02\00:42:36.35
so we need to put
that down somewhere.
00:42:36.38\00:42:38.49
Many, many people have no idea
00:42:38.52\00:42:41.69
who they assigned their money
in the bank to when they die.
00:42:41.72\00:42:46.83
Some say, "I think I did that,
00:42:46.86\00:42:49.23
I don't know
who's going to get it."
00:42:49.26\00:42:51.53
Stay current and if you want
us to be the ones to help you
00:42:51.57\00:42:54.27
stay current,
00:42:54.30\00:42:55.64
we'll be happy
to do that for you
00:42:55.67\00:42:57.01
but we need your
first pay on death, POD.
00:42:57.04\00:43:02.04
It seems to me
like every one of us
00:43:02.08\00:43:04.58
ought to have that in place.
00:43:04.61\00:43:05.95
Yes. Oh, yes.
00:43:05.98\00:43:07.32
And yet so many don't.
00:43:07.35\00:43:08.68
I went into the bank
00:43:08.72\00:43:10.05
after I started
learning all this
00:43:10.09\00:43:11.95
and I did ask, I said, if we,
00:43:11.99\00:43:13.82
if my husband and I passed away,
00:43:13.86\00:43:15.82
where does the money go?
00:43:15.86\00:43:17.19
And she said, "Oh, it
goes into your estate."
00:43:17.23\00:43:19.63
And I said, "Will,
my daughter get it?"
00:43:19.66\00:43:22.93
You know, "No it
goes into your estate."
00:43:22.96\00:43:26.17
So would that
mean that they have to,
00:43:26.20\00:43:28.30
she'd have to take it
to court to get the money?
00:43:28.34\00:43:30.17
The Probate Court that's, yes.
00:43:30.21\00:43:32.27
But if Nancy put down
that her daughter got it
00:43:32.31\00:43:36.34
then you would have
to let your daughter know
00:43:36.38\00:43:38.08
I'm assuming...
00:43:38.11\00:43:39.45
Yes.
00:43:39.48\00:43:40.82
But then all
Kelly would have to do
00:43:40.85\00:43:42.98
is go to the bank
and withdraw the money,
00:43:43.02\00:43:45.32
because it's hers.
00:43:45.35\00:43:46.69
It would be pay on death to her.
00:43:46.72\00:43:48.32
Okay, those gave POD...
00:43:48.36\00:43:49.69
And we've got several
open accounts right now
00:43:49.72\00:43:51.63
where people didn't do it
00:43:51.66\00:43:53.96
or they move their
bank account to a new bank
00:43:54.00\00:43:57.17
they always
thought they have it,
00:43:57.20\00:43:58.87
a POD doesn't travel with you,
00:43:58.90\00:44:00.84
that's to the bank
where you had your money
00:44:00.87\00:44:02.74
and then you
move it somewhere else
00:44:02.77\00:44:04.21
or you move out of
town go to a new bank
00:44:04.24\00:44:06.21
go immediately
and do a pay on death.
00:44:06.24\00:44:08.94
So that pay on death
00:44:08.98\00:44:10.31
should be in
place for everybody,
00:44:10.35\00:44:11.71
it doesn't
matter what your age is.
00:44:11.75\00:44:13.08
That's right.
00:44:13.11\00:44:14.45
That sounds like
a wise thing to do.
00:44:14.48\00:44:15.82
Well, we need now to learn
how to develop the documents.
00:44:15.85\00:44:19.69
We've learned
what's the documents are,
00:44:19.72\00:44:21.59
we looked at
annuities, we looked at trusts,
00:44:21.62\00:44:25.79
we looked at Wills,
00:44:25.83\00:44:28.40
and we told you what
to do about that POD.
00:44:28.43\00:44:31.37
Now, how do we
develop those documents?
00:44:31.40\00:44:35.07
Okay, what we do
is when you call in
00:44:35.10\00:44:37.54
the first thing we
do is ask you questions,
00:44:37.57\00:44:39.67
your date of
birth is very important
00:44:39.71\00:44:42.24
because that is a
vital part of this.
00:44:42.28\00:44:45.18
We also need your
social security number,
00:44:45.21\00:44:47.42
the reason being that
when you earn interest
00:44:47.45\00:44:51.02
that needs to be
reported on your taxes,
00:44:51.05\00:44:53.82
so we will send you
your tax forms every year,
00:44:53.86\00:44:56.76
so we do need those.
00:44:56.79\00:44:58.23
Also we will go
through an application
00:44:58.26\00:45:01.76
with each person,
00:45:01.80\00:45:03.80
we will carefully help
you fill out all the pages.
00:45:03.83\00:45:08.04
There's about
seven or eight pages
00:45:08.07\00:45:10.14
whether it's a cash or property
that you'll be filling out.
00:45:10.17\00:45:14.68
Talking about the trust.
00:45:14.71\00:45:16.18
Yes, the
applications will be filled out.
00:45:16.21\00:45:18.31
The other name
for an application
00:45:18.35\00:45:19.78
is the attorney's worksheet.
00:45:19.81\00:45:21.42
Okay.
00:45:21.45\00:45:22.78
So we're getting all
the information together
00:45:22.82\00:45:25.19
and then the attorney is
going to build that document
00:45:25.22\00:45:27.69
that looks good, reads great,
00:45:27.72\00:45:29.89
and then you're
going to sign it, yes.
00:45:29.92\00:45:32.26
So you fill out
all of that information
00:45:32.29\00:45:35.83
and then you send
it to our attorney.
00:45:35.86\00:45:38.80
Yes.
00:45:38.83\00:45:40.17
We help them through it
00:45:40.20\00:45:41.54
and what we do is we
mail them a packet first
00:45:41.57\00:45:44.14
and then we're on the phone,
00:45:44.17\00:45:45.74
and if they aren't
sure what needs to go there
00:45:45.77\00:45:47.94
we help them understand
00:45:47.98\00:45:50.18
what needs to
be filled in there.
00:45:50.21\00:45:51.95
Okay, so the
filled out application
00:45:51.98\00:45:55.42
or the filled out document
is submitted to 3ABN's attorney
00:45:55.45\00:45:59.15
whether it be Barry
Benton or Wesley Westfall,
00:45:59.19\00:46:02.39
we send those documents.
00:46:02.42\00:46:03.99
Now, when those documents
are sent to our attorneys.
00:46:04.03\00:46:09.20
Barry, whose
attorney are you at that time
00:46:09.23\00:46:13.44
when you receive that document?
00:46:13.47\00:46:14.97
Who are you working for?
00:46:15.00\00:46:17.67
Well, actually
I'm working for both.
00:46:17.71\00:46:19.41
Okay.
00:46:19.44\00:46:20.78
And has to be explained
00:46:20.81\00:46:22.24
that particularly with
husbands and wives for example
00:46:22.28\00:46:25.11
that they can
have their own attorney
00:46:25.15\00:46:27.12
should they decide to do that,
00:46:27.15\00:46:28.48
so everybody
should have the right
00:46:28.52\00:46:30.45
to consult another attorney
00:46:30.49\00:46:32.15
that is not the
attorney for 3ABN for example.
00:46:32.19\00:46:36.52
I'd like to add
something to all of this.
00:46:36.56\00:46:38.06
Yes.
00:46:38.09\00:46:39.43
The motivation to get started
mostly come from you ladies,
00:46:39.46\00:46:42.56
it's not from the man.
00:46:42.60\00:46:43.93
I would say 75 to 90%
of all the estate plans,
00:46:43.97\00:46:47.54
all of the energy, the
motivation come from women,
00:46:47.57\00:46:51.77
because you tend to
be more security oriented
00:46:51.81\00:46:54.18
than us fellows.
00:46:54.21\00:46:55.54
You guys are
always faster than we are.
00:46:55.58\00:46:57.35
When I was a kid,
00:46:57.38\00:46:58.71
the girls were
always fastest in the class
00:46:58.75\00:47:00.65
and, you know, law
school now there's...
00:47:00.68\00:47:02.78
Most law schools have,
00:47:02.82\00:47:04.22
more than 30% of the
law students are women.
00:47:04.25\00:47:07.36
I didn't know that.
00:47:07.39\00:47:08.72
And so we...
00:47:08.76\00:47:10.26
This country has
changed and I would say
00:47:10.29\00:47:12.53
that you women
00:47:12.56\00:47:14.16
need to take
some of these thoughts
00:47:14.20\00:47:16.03
and decide
yourself what works for you
00:47:16.06\00:47:18.47
but to have a plan
00:47:18.50\00:47:20.57
because if you don't have a plan
00:47:20.60\00:47:22.77
your security and the
security of your loved ones,
00:47:22.80\00:47:25.74
your children are in jeopardy.
00:47:25.77\00:47:27.91
Yes.
00:47:27.94\00:47:29.28
And it is so important
that we figure these things out
00:47:29.31\00:47:31.95
because it's not Star Wars,
00:47:31.98\00:47:34.62
this is not, you
can understand these,
00:47:34.65\00:47:36.42
these things are
all easy to understand.
00:47:36.45\00:47:38.75
The documents are
easy to understand,
00:47:38.79\00:47:40.79
and I would like to
add something to this
00:47:40.82\00:47:43.49
in addition to these
documents we've talked about,
00:47:43.53\00:47:46.29
now, we're going to talk
about the power of attorney
00:47:46.33\00:47:48.80
for business purposes
and the healthcare powers
00:47:48.83\00:47:51.77
is that would you like to be,
00:47:51.80\00:47:53.13
you know, something about that?
00:47:53.17\00:47:54.50
Sure, go ahead.
00:47:54.54\00:47:56.71
For business purposes,
00:47:56.74\00:47:58.07
for example my
mother-in-law 91 years old,
00:47:58.11\00:48:01.51
91 years of age next month
00:48:01.54\00:48:04.18
and she has the
onset of Alzheimer's
00:48:04.21\00:48:07.65
so she has given
a power of attorney
00:48:07.68\00:48:10.99
for business
purposes to my sister-in-law
00:48:11.02\00:48:14.66
for her to handle
the business for her.
00:48:14.69\00:48:16.39
Okay.
00:48:16.42\00:48:17.76
And my wife has
since she's a nurse
00:48:17.79\00:48:19.63
she has the healthcare power
so even if you're disabled,
00:48:19.66\00:48:23.70
there are
documents that you can use
00:48:23.73\00:48:25.63
that conduct your
business for you should
00:48:25.67\00:48:27.40
you not be able to
conduct it for yourself.
00:48:27.44\00:48:30.27
Yes.
00:48:30.31\00:48:31.64
And so with the Will and
the Revocable Living Trust
00:48:31.67\00:48:35.21
and virtually every
case we handle we recommend
00:48:35.24\00:48:38.51
that you have a
business power of attorney
00:48:38.55\00:48:41.28
to handle your
business should you either
00:48:41.32\00:48:43.32
have the onset of
a mental disability
00:48:43.35\00:48:46.65
or the children is not present.
00:48:46.69\00:48:49.22
So that takes care
of the business persons
00:48:49.26\00:48:51.43
and then you have
a healthcare power
00:48:51.46\00:48:53.43
that makes the
healthcare decisions
00:48:53.46\00:48:55.73
for you should you not be
able to make them for yourself.
00:48:55.76\00:48:59.03
Okay, that's very good counsel,
good information to know.
00:48:59.07\00:49:03.14
And I will add to that there
when they call into our office
00:49:03.17\00:49:07.94
we have strict confidentiality.
00:49:07.98\00:49:10.71
Amen, yes.
00:49:10.75\00:49:12.08
We are not going to
release information to anybody
00:49:12.11\00:49:15.08
that you didn't
want it to go to.
00:49:15.12\00:49:17.02
So if you want your
child to know about things
00:49:17.05\00:49:20.79
when you're older definitely,
00:49:20.82\00:49:23.49
definitely list them
as your power of attorney
00:49:23.53\00:49:26.16
so that when they
call in we'll say,
00:49:26.19\00:49:28.16
let me check your file,
yes, we have power of attorney
00:49:28.20\00:49:31.10
for your son or your daughter,
then we can talk to them.
00:49:31.13\00:49:34.04
Right.
00:49:34.07\00:49:35.40
So that is
really, really important.
00:49:35.44\00:49:37.17
This is our Trust
Services department,
00:49:37.21\00:49:40.04
you can trust us.
00:49:40.08\00:49:41.41
That's right.
00:49:41.44\00:49:42.78
Everything is very confidential
and something that I wanted
00:49:42.81\00:49:45.51
and asking Barry
who does he work for?
00:49:45.55\00:49:48.62
And he said very
honestly he works for both,
00:49:48.65\00:49:51.35
but when he is taking
care of your documents,
00:49:51.39\00:49:53.69
when he is
preparing things for you,
00:49:53.72\00:49:55.62
he's working for
you, he's making sure
00:49:55.66\00:49:58.36
everything is done
legally and accurately
00:49:58.39\00:50:01.76
and that you are
signing an instrument
00:50:01.80\00:50:04.83
that will carry out
your wishes to the fullest
00:50:04.87\00:50:08.17
and here is something
that we always consider
00:50:08.20\00:50:10.74
the beauty of it
00:50:10.77\00:50:12.17
is that it
doesn't cost you anything,
00:50:12.21\00:50:14.14
we take care of all of
the financial responsibility
00:50:14.18\00:50:18.08
to make sure that once you
get these documents in place,
00:50:18.11\00:50:22.22
signed and you're going,
shoo, got that taken care of,
00:50:22.25\00:50:26.15
it hasn't cost you
anything, has it Earlenne?
00:50:26.19\00:50:28.52
Right, hasn't.
00:50:28.56\00:50:30.09
No.
00:50:30.13\00:50:31.46
It's taken care
of, we take care of it
00:50:31.49\00:50:34.33
and the love of
God asked us to do that
00:50:34.36\00:50:37.20
because they are
giving a gift to God,
00:50:37.23\00:50:40.37
they're always giving
a portion of any document
00:50:40.40\00:50:43.34
to Three Angles Broadcasting.
00:50:43.37\00:50:45.04
Yes, so often
what we see here is
00:50:45.07\00:50:48.11
people making provision
00:50:48.14\00:50:51.38
for their
children and for others
00:50:51.41\00:50:53.75
as well as for
the kingdom of God
00:50:53.78\00:50:55.92
so that at their demise,
00:50:55.95\00:50:58.52
the kingdom of
God continues to grow,
00:50:58.55\00:51:00.62
their children
are taken care of,
00:51:00.66\00:51:01.99
their grandchildren,
00:51:02.02\00:51:03.36
and, Jill, you
were saying something,
00:51:03.39\00:51:04.73
I think I interrupted.
00:51:04.76\00:51:06.09
No, you're good, I
was just going to say
00:51:06.13\00:51:07.46
our Trust Planned Giving
and Trust Service department,
00:51:07.50\00:51:10.07
there are precious
men and women of God
00:51:10.10\00:51:12.03
and they have a beautiful spirit
00:51:12.07\00:51:14.17
just whenever I talk to them
00:51:14.20\00:51:15.54
so I know if you
call and when you call,
00:51:15.57\00:51:18.91
we don't want to
say if, we want to say,
00:51:18.94\00:51:20.88
when you call
00:51:20.91\00:51:22.34
that you're going to
be well taken care of.
00:51:22.38\00:51:24.11
That right.
00:51:24.15\00:51:25.48
And if you would
like to get in contact
00:51:25.51\00:51:27.58
with Earlenne or with Nancy
00:51:27.62\00:51:29.72
with our Trust
Services department,
00:51:29.75\00:51:31.85
we are going to give you
that contact information,
00:51:31.89\00:51:34.32
get your pencil,
get your piece of paper,
00:51:34.36\00:51:36.46
write this down
and give us a call.
00:51:36.49\00:51:40.60
If you would like to
know more about Trust Services
00:51:40.63\00:51:43.30
or if you have any
questions for Roy or Earlenne,
00:51:43.33\00:51:46.50
then you can write
to 3ABN Planned Giving
00:51:46.53\00:51:48.90
and Trust Services,
00:51:48.94\00:51:50.47
PO Box 220, West
Frankfort, Illinois 62896.
00:51:50.51\00:51:55.34
That's 3ABN Planned Giving
and Trust Services PO Box 220,
00:51:55.38\00:52:00.75
West Frankfort, Illinois 62896.
00:52:00.78\00:52:03.92
You can call 800-886-4800.
00:52:03.95\00:52:07.46
That's 800-886-4800.
00:52:07.49\00:52:10.79
You can visit
them online at 3abn.tv.
00:52:10.83\00:52:13.93
That's 3abn.tv,
00:52:13.96\00:52:16.06
or email TrustServices@3abn.org.
00:52:16.10\00:52:19.83
That's TrustServices@3abn.org.
00:52:19.87\00:52:23.17