I want to spend my life
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mending broken people,
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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.
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I want to spend my life
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mending broken people.
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Hello and welcome to 3ABN Today.
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It is always a joy
to have you join us.
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And I want to
welcome you, Earlenne.
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This is Earlenne Hunt
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from our Planned Giving
and Trust Services department.
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Just a joy to have you
here with me today, Earlenne.
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Thank you.
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And as you probably
have already figured out,
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if Earlenne and I
are here together,
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we're going to do a program,
and it's going to be for women.
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But gentlemen,
let me tell you this.
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Everything we share with the
women is equally true for you.
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And it's going to be
on, of course, need for
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planning your giving and seeing
that you are properly prepared.
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And in this case,
we're looking at older age.
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Making sure that we
have made proper preparation.
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I think we've heard this, and
it's probably a trite saying,
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but none of us plan to fail.
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What we do is we fail to plan.
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So what we want to do
is help you plan today
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for your future and just make
some wise financial decisions.
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And we've got
guests with us today.
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We've got Greg
and Jill Morikone.
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Our very own
Production Manager, as well as
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our General Manager.
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And a precious
couple here at 3ABN.
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Y'all are such a joy
and a blessing to have.
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And I know you're
God's gift to 3ABN.
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Thank you for coming
and being with us today.
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It's a privilege to be here,
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you know, just to share
about the Lord's work at 3ABN.
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And you talked about
we're preparing for older age,
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and you might say, "Well you're
kind of young to start that."
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But it's important
from a young age to start
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thinking about that
preparation, absolutely.
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And Jill and Greg have recently
been making some preparation.
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We're going to talk about that.
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As a matter of fact,
we're going to look at things
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maybe from three perspectives.
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One is, what
happens if you don't plan?
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What are some of the
fears in women's hearts?
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What are some statistics?
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I'm big on sharing
current facts or statistics.
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And also, what if you
are blessed exceedingly?
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You know, you still
need to be just as prepared,
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just as educated.
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And a lot of our problems is,
we are just simply not educated.
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And we have got some
trained professionals
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here at 3ABN that are willing
and able and quite capable
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of helping us
make proper decisions.
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But I think the most important
aspect that we need to look at
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is a biblical aspect.
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What does God require of us?
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And that's going to be from
the perspective of being good,
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what Jill, good
stewards of God's blessings.
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But before we launch into
this and look at these different
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aspects of financial planning,
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we've got T.
Marshall Kelly here with us.
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And he, oh, he's one of
my most favorite singers.
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And he's going to
sing, Little Is Much.
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In the harvest field now ripened
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there's a work for all to do.
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Hark! the voice
of Jesus calling,
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to His harvest calling you.
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Little is much
when God is in it.
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Labor not for wealth or fame.
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There's a crown,
and you can win it,
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if you go in Jesus' name.
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Does the place
you're called to labor
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seem so small and little known?
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But it is great if God is in it,
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and He'll not forsake His own.
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Soon the conflict here is ended
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and our race on earth is run,
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He will say, if
we've been faithful,
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"Welcome home, My
child, well done!"
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Your little is
much when God is in it.
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Labor not for wealth or fame.
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There is a crown,
and you can win it,
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if you go, if you will go,
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if you will go in Jesus' name.
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You know, he just calms me down.
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And what, as Jill you
said, what an appropriate song
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for this program.
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Little is much
when God is in it.
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And so our
confidence, our total trust,
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is in the Lord Jesus Christ.
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And God, in His...
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You know, I like to say
that God has given us His Word.
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Now He's given us the Bible.
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But in the Bible He
has given us His word.
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And one of the words
that He has given us is,
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"I'll never leave
you, nor forsake you."
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That's God's word to you.
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You can take that,
as we say, to the bank.
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Little is much
when God is in it.
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He'll take care of you.
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Well I want to
look at some facts.
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Some things that
are, I think, sobering,
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some things that
we need to all hear.
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Now I'm looking at it
from a woman's perspective,
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but again
gentlemen, let me assure you
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that the same thing
that can happen to a woman
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can happen to a man if
you don't properly plan
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for your future.
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So the reason 3ABN does
these programs is because
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we want to see to it that
people are properly educated.
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And a lot of people, the reason
they don't make proper planning
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is they just
don't know what to do.
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Well we can train
you, we can help you.
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Now let me share this with you.
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In a recent pole
where women were asked
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what were some of their
fears, 50% of the women said
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they fear they will
become destitute in old age.
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Fear, 50% afraid.
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That's a huge percentage, 50%.
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Now listen at
this, here is a fact.
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45.6% of the poverty stricken
here in these United States
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are elderly women
that's 60 years or older.
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- That's almost 50%.
~ Yeah it is. Oh wow.
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Women are twice as likely as men
to live below the poverty line
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in their older years.
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~ So I'm sorry,
Mollie, to interrupt you.
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That means then that the women's
fear that they're going to be
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destitute
actually comes to pass.
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~ That's right. - Right?
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Because the second statistic
backed up the first statistic.
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They're afraid they'll be
alone and old and destitute,
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and that actually comes to pass.
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And that's why, ladies,
preparation needs to be made.
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Because if you properly
prepare for your later years,
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then you cut your
chances of being destitute.
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And this poverty
level is especially true
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for single and minority women.
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Here is another fact.
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In a study conducted on
the financial circumstances
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of widowed women,
half of the widows reported
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they were just getting
by financially a year or two
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after their husband's death.
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So as long as their husbands
were working and bringing
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income in, their
household was doing well.
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But at their husband's
demise, then that left them
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so that just a year or two
later they were just getting by.
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Which reminds me of something
I read recently of a lady
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whose husband passed away.
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And she was in his
office cleaning up the office.
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And she found on his
desk an insurance policy
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for her for $100,000
that he never signed.
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Filled out but never signed
it, never turned it back in.
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And here with the
expenses of his last bout,
00:11:00.76\00:11:06.03
his last stay in the
hospital, she was in debt with
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no way to pay her debts.
00:11:09.03\00:11:10.37
And so, what kind of condition
did this leave this women in?
00:11:10.57\00:11:14.47
So you know, I share that.
00:11:14.50\00:11:16.37
Women, talk with your husbands
about making provision for you.
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Let me just give you one
more fact, one last statistic.
00:11:21.24\00:11:26.11
The average life
expectancy of a woman
00:11:26.31\00:11:28.85
is five years more than a man's.
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Tell your husband this.
00:11:30.92\00:11:32.49
Women normally live
to be about 81 years old.
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That's the average. Men 76.
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So there's five years
that you can pretty well
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count on that you're
going to have to have
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some sort of income.
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Talk with your husband,
"Have you made provision for me
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if you pass before I do?"
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And sometimes those men
just need to have a little
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jarring to turn
that insurance policy in.
00:11:55.34\00:11:59.88
The divorce rate...
00:12:01.48\00:12:03.02
I found this just heartbreaking.
00:12:03.12\00:12:04.75
And this isn't
just in the world,
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it's in the church as well.
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The divorce rate
among couples 50 and older
00:12:08.86\00:12:12.73
has almost
doubled since the 90's.
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Almost doubled.
00:12:15.80\00:12:17.13
Okay, these two forces
mean that 8 out of 10 women
00:12:17.17\00:12:22.17
will end up alone
and solely responsible
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for their financial well-being.
00:12:26.84\00:12:28.61
Maybe it's just for five
years, but do you want those
00:12:28.64\00:12:31.48
last five years of your
life for you to be in poverty?
00:12:31.51\00:12:34.98
Remember, 50% of
the women surveyed
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what they say
their number one fear it?
00:12:39.02\00:12:41.72
Being destitute
in their old age.
00:12:42.09\00:12:44.23
So we that are younger,
Jill, you're a lot younger,
00:12:44.26\00:12:48.80
make provision now.
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Don't let it get away from you.
00:12:51.87\00:12:53.23
Okay, one last statistic.
00:12:53.27\00:12:55.30
When seeking
financial direction,
00:12:55.60\00:12:58.67
only 12% of women seek the
assistance of a professional.
00:13:00.08\00:13:04.48
The rest ask
family members or friends.
00:13:04.95\00:13:08.28
Now, is that wise?
00:13:08.32\00:13:10.59
And again, the reason
3ABN does these programs,
00:13:10.62\00:13:14.09
we have got financial
professionals that are
00:13:14.29\00:13:18.79
on our staff that are willing...
00:13:18.83\00:13:22.36
Are you willing, Earlenne?
00:13:22.40\00:13:23.77
I am very willing.
00:13:23.80\00:13:25.13
...capable and able to help you.
00:13:25.17\00:13:28.17
And here is a beauty,
a real touch of beauty.
00:13:28.20\00:13:31.87
How much do you
charge, Earlenne?
00:13:31.97\00:13:33.91
Well I give my
whole heart to it.
00:13:34.74\00:13:37.15
I don't charge anything.
00:13:37.75\00:13:39.35
And on top of that,
3ABN does pay for the
00:13:39.38\00:13:43.52
documents to be written for you.
00:13:43.55\00:13:45.35
- That's a big plus. -
We do everything for you.
00:13:45.39\00:13:47.56
It doesn't cost you anything.
00:13:47.59\00:13:48.92
But you know what it will do?
00:13:48.96\00:13:50.33
Put some security in your heart.
00:13:50.36\00:13:51.69
Now I told you
this was three fold.
00:13:51.73\00:13:53.50
Number one, I want to
get your attention, ladies.
00:13:53.53\00:13:56.10
We need to take
responsibility for our lives.
00:13:56.13\00:13:59.90
And we need to do it today.
00:13:59.93\00:14:01.67
Today is the day
we need to begin this.
00:14:01.70\00:14:03.87
Okay, another aspect is
that in a survey in the world,
00:14:04.71\00:14:13.72
now this was
worldwide, there were 99 women
00:14:13.75\00:14:16.85
that were billionaires.
00:14:16.89\00:14:18.22
Whoa!
00:14:18.25\00:14:19.59
Only ten of those
women earned their own money.
00:14:19.75\00:14:23.49
Like Oprah, you know,
she's a self-made billionaire.
00:14:23.53\00:14:27.10
The other 89 inherited.
00:14:27.40\00:14:30.33
So I wanted to
also touch on this.
00:14:30.37\00:14:33.30
Some women will
become very wealthy
00:14:33.34\00:14:37.24
because of what they inherited.
00:14:37.34\00:14:39.01
They say that the baby
boomers, not just women,
00:14:39.04\00:14:41.98
but men and women...
00:14:42.01\00:14:43.35
That's people born from, I
think it's like 1946 to 1955.
00:14:43.38\00:14:48.55
Those baby boomers
over the next 20 years
00:14:48.58\00:14:51.52
are going to inherit
over 14 billion dollars.
00:14:51.55\00:14:56.36
So some of that
will be for women.
00:14:56.39\00:14:58.59
And I just want to
give you this aspect.
00:14:58.63\00:15:01.50
You need to be prepared now.
00:15:01.53\00:15:03.16
You need to seek financial help
not from friends and family.
00:15:03.20\00:15:07.64
Do you know that
when your friends find out
00:15:07.67\00:15:11.01
that you've
inherited a lot of money,
00:15:11.04\00:15:12.94
some people that you never
even knew will come and tell you
00:15:12.97\00:15:15.54
they're your best friend now.
00:15:15.58\00:15:17.08
Why? Because they want
part of your inheritance.
00:15:17.11\00:15:19.75
And there are
charming men that will tell you
00:15:20.02\00:15:22.65
anything, but
what they want is...
00:15:22.85\00:15:25.29
So we need to be prepared now
to take care of the blessings
00:15:25.32\00:15:29.39
that God blesses us with.
00:15:29.42\00:15:31.66
That's called
being a good steward.
00:15:31.69\00:15:33.70
So that was the third point
that I wanted us to address,
00:15:33.73\00:15:37.63
was, what does the Bible say?
00:15:37.83\00:15:39.67
Tell us about stewardship?
00:15:39.70\00:15:41.20
And I thought Greg and Jill
could look into stewardship.
00:15:41.24\00:15:44.14
Before I jump into stewardship,
if I could just say,
00:15:44.87\00:15:47.38
we have been talking
about one of the reasons
00:15:47.41\00:15:50.25
why you want to invest
with the ministry of 3ABN.
00:15:50.45\00:15:54.45
That would be,
you want financial
00:15:54.48\00:15:55.82
security for the future.
00:15:55.85\00:15:57.19
You want to plan. And
that is vitally important.
00:15:57.22\00:16:00.39
And as a woman, I can
say from my own perspective,
00:16:00.42\00:16:03.56
it's vitally important.
00:16:03.59\00:16:04.93
But I think the other
reason is that you want
00:16:04.96\00:16:08.06
to give, to put your
money some place where you know
00:16:08.10\00:16:12.03
it has life changing value.
00:16:12.07\00:16:13.40
Where you know it is
going to impact the world.
00:16:13.44\00:16:16.97
Greg and I recently had the
privilege of developing a trust,
00:16:17.01\00:16:21.18
revocable cash trust, I think...
00:16:21.54\00:16:23.24
Is that what
it's called, Earlenne?
00:16:23.28\00:16:24.65
...with 3ABN.
00:16:24.68\00:16:26.18
And right now we're talking
about a self-administered trust.
00:16:26.55\00:16:29.08
And I know we'll
talk about these documents
00:16:29.12\00:16:30.69
throughout the program.
00:16:30.72\00:16:32.05
But it's a privilege
and an honor to be able to
00:16:32.09\00:16:36.19
think that
something of this money...
00:16:36.22\00:16:39.19
Of course, it's
earning interest.
00:16:39.46\00:16:41.16
And the interest
rates are incredible.
00:16:41.20\00:16:42.76
And that's an
incredible blessing.
00:16:42.80\00:16:44.13
But it's a privilege to
think that this money is going
00:16:44.17\00:16:47.14
to win souls for the kingdom.
00:16:47.17\00:16:49.07
That people are coming
to a knowledge of Jesus.
00:16:49.10\00:16:52.84
So it's not only for
our future and betterment,
00:16:53.04\00:16:55.74
but it's also for the mission,
the gospel mission, of 3ABN.
00:16:55.78\00:17:00.12
So it's a privilege.
00:17:00.15\00:17:01.72
It is. And you know
you were talking about age.
00:17:01.75\00:17:04.85
And I think sometimes Jill
and I still consider us young.
00:17:04.89\00:17:07.89
And I think the word that I
think of is procrastination.
00:17:08.99\00:17:12.36
You know, because it's
like, Jill and I talk about it,
00:17:12.79\00:17:14.36
we're like, "Oh, we need
to probably do something,
00:17:14.40\00:17:17.17
think about the future.
00:17:17.20\00:17:18.53
But oh, you know, we're busy.
00:17:18.57\00:17:19.90
We'll talk about it
tomorrow or next week."
00:17:19.93\00:17:22.60
And before you know it, one
year, two years, three years,
00:17:22.64\00:17:26.44
you know, have gone by.
00:17:26.47\00:17:27.81
And I think it's,
sometimes for us I know,
00:17:27.84\00:17:29.84
just the business of life.
00:17:29.88\00:17:31.21
But it's good, I
think as young people...
00:17:31.25\00:17:33.62
Right? We're still young, baby.
00:17:33.65\00:17:34.98
Thank you.
00:17:35.02\00:17:36.35
...that we also need to
be thinking about the future.
00:17:36.69\00:17:39.82
Because we don't...
Tomorrow is not promised.
00:17:39.85\00:17:42.42
You know, we could be
killed in an auto accident,
00:17:42.86\00:17:44.49
or just different
things could happen.
00:17:44.53\00:17:45.86
But I think for planning, God
wants us, like you mentioned,
00:17:46.09\00:17:48.26
Mollie, to be a good steward
of what He's given to us.
00:17:48.30\00:17:51.23
And I like the song,
going back to Pastor Kelly
00:17:51.27\00:17:54.67
and his song, little
is much when God is in it.
00:17:54.77\00:17:56.64
I think sometimes we
can also become discouraged
00:17:56.91\00:17:59.04
in our benevolence.
00:17:59.07\00:18:00.41
You know, because we think,
"Oh, this isn't very much.
00:18:00.44\00:18:03.71
Surely that can't
do much in God's work."
00:18:03.75\00:18:05.65
But do you know,
God can take anything
00:18:05.68\00:18:07.42
and make
something awesome out of it.
00:18:07.75\00:18:10.09
So anyway, Jill and I just
recently, like you mentioned,
00:18:10.12\00:18:12.75
it's been something that we
said, we just need to do it,
00:18:12.79\00:18:15.39
make a decision,
we'll make a date
00:18:15.59\00:18:17.09
with you guys, with you
and your husband, Earlenne.
00:18:17.13\00:18:20.20
And it was a great
experience, very pleasant, easy.
00:18:20.23\00:18:23.67
- It was. - They
make it very easy.
00:18:23.70\00:18:25.03
And you're very
informative, too.
00:18:25.07\00:18:27.40
Because even
though we work at 3ABN,
00:18:27.44\00:18:29.70
we still have some questions
about what is a cash trust,
00:18:29.74\00:18:32.34
and a property trust, and so
you just explained it very well.
00:18:32.37\00:18:35.24
- And so it's a
blessing. - It was.
00:18:35.28\00:18:37.35
Greg, this is also a
good time for me to mention
00:18:37.38\00:18:39.61
that many people say,
"But Jesus is coming soon."
00:18:39.65\00:18:44.25
Well that's true, yeah.
00:18:44.29\00:18:45.62
"Should I really go
through all these plans?"
00:18:45.65\00:18:47.36
Remember, we're suppose
to occupy until He comes.
00:18:47.99\00:18:50.79
That means in our finances,
our homes, our families.
00:18:51.06\00:18:54.60
Everything. We are
to keep going forward.
00:18:54.63\00:18:57.27
And good planning is
part of going forward.
00:18:57.57\00:19:00.30
~ It's part of
being a good steward.
00:19:00.34\00:19:01.67
- It sure is. - It is.
00:19:01.70\00:19:03.81
And I'll mention stewardship.
00:19:03.84\00:19:05.24
I just want to say Roy and
Earlenne are such a privilege
00:19:05.27\00:19:08.04
and a joy to work with.
00:19:08.08\00:19:09.44
They came in on Friday
because we kept trying to say
00:19:09.81\00:19:12.95
we'll do it during the
week, during work hours.
00:19:12.98\00:19:15.42
~ Well that's
true. Yeah, you're right.
00:19:15.48\00:19:16.82
We're always in meetings
and could never get away
00:19:16.85\00:19:18.99
and go over, we
call it the white house,
00:19:19.02\00:19:20.82
where Planned Giving and
Trust Services is over there.
00:19:20.86\00:19:23.66
And they came in
on Friday morning
00:19:23.69\00:19:25.23
and just sat down and
answered all our questions,
00:19:25.46\00:19:28.73
and so knowledgeable, you
and your husband both are, so.
00:19:28.76\00:19:32.50
~ And you know what else
Roy and I said when you left?
00:19:32.63\00:19:34.60
"Wasn't it great to
see Greg and Jill just
00:19:34.80\00:19:37.11
dressed down for the day?"
00:19:37.14\00:19:38.94
And us coming in just in
relaxed clothes and saying,
00:19:39.04\00:19:42.61
"You know, we can work around
this table just pretty relaxed
00:19:42.71\00:19:45.18
today and feel good about it."
00:19:45.21\00:19:46.58
And it all went just as well as
if we had all been dressed up.
00:19:46.75\00:19:50.05
In a suit and tie.
00:19:50.92\00:19:52.25
So thinking about
stewardship, you know, I think
00:19:53.42\00:19:55.49
the foundational
principle of God's kingdom
00:19:55.52\00:19:58.13
is self-sacrificing love.
00:19:58.16\00:20:00.56
You know, you think about Jesus,
from the cradle to the cross
00:20:00.60\00:20:03.93
He lived to bless others.
00:20:03.97\00:20:06.17
But yet Satan, when
sin originated in heaven,
00:20:06.63\00:20:10.17
what did it originate with?
00:20:10.21\00:20:11.67
It began with
self-seeking, with selfishness.
00:20:11.71\00:20:16.71
It began with covetousness,
and greed, and pride,
00:20:16.75\00:20:20.58
and all of those things.
00:20:20.62\00:20:21.95
So I think the
principle of benevolence,
00:20:22.02\00:20:24.75
the principle of
giving to others,
00:20:24.85\00:20:28.36
it's foundational to the
principle of God's kingdom.
00:20:28.39\00:20:31.19
You think about stewardship,
it's really the responsible
00:20:31.36\00:20:35.10
management of
something entrusted to our care.
00:20:35.13\00:20:38.30
And I always think there's
five "T's" to stewardship.
00:20:38.47\00:20:41.40
We're talking today about money.
00:20:41.44\00:20:44.51
So that would be
the "T" of treasure.
00:20:44.54\00:20:47.08
But the five "T's"
of stewardship would be:
00:20:47.11\00:20:48.88
time, talents,
treasure, testimony, and temple.
00:20:48.91\00:20:52.25
So God calls us to be
a steward of our time.
00:20:52.35\00:20:55.68
You know, we're
each given 24 hours.
00:20:55.85\00:20:58.02
And what do I do with that time?
00:20:58.05\00:20:59.72
How do I use that time?
00:20:59.75\00:21:01.46
Do I use it for pleasure?
Do I use it for my own self?
00:21:01.49\00:21:04.89
Or am I going to use it to
help and bless other people,
00:21:04.99\00:21:08.20
to minister to others?
00:21:08.36\00:21:09.83
Think about treasure.
00:21:09.86\00:21:11.20
What am I going
to do with the money
00:21:11.23\00:21:13.10
that God has entrusted to me?
00:21:13.13\00:21:15.17
Because we can think,
"Oh, this is my own money."
00:21:15.37\00:21:17.41
But it's not.
00:21:17.44\00:21:18.77
Everything we have,
everything we possess,
00:21:18.81\00:21:21.11
is a gift from God and
He has entrusted it to us.
00:21:21.14\00:21:24.75
And He wants us
to be responsible
00:21:24.85\00:21:26.85
in how we take care of it.
00:21:26.95\00:21:28.52
And then I think about temple.
00:21:28.95\00:21:30.69
We're stewards
of the body temple.
00:21:31.25\00:21:33.02
You think about 1
Corinthians 6:19-20,
00:21:33.05\00:21:36.52
the Holy Spirit
wants to dwell in us.
00:21:36.56\00:21:39.36
And how we
treat the body temple,
00:21:39.39\00:21:41.50
we're to be
stewards of that as well.
00:21:41.53\00:21:43.13
Yeah, I think of Psalm 24.
00:21:43.73\00:21:45.47
Psalm 24, and I
have it here in my Bible.
00:21:45.57\00:21:47.94
Verse 1 says, "The earth is
the Lord's, and the fullness
00:21:47.97\00:21:52.71
thereof; the world, and
they that dwell therein."
00:21:53.41\00:21:55.91
So that's everything.
00:21:55.94\00:21:57.28
You know, growing up my parents
taught my sister and myself
00:21:57.31\00:22:01.05
about the tithing
aspect, you know, the principle.
00:22:01.08\00:22:03.42
You give 10% back to
God, and then you have
00:22:03.52\00:22:05.19
your offerings as well.
00:22:05.22\00:22:06.55
So that's 20%.
00:22:06.59\00:22:07.92
And so what they did,
because I couldn't read...
00:22:07.96\00:22:09.66
This was when I was
just a small little boy.
00:22:09.69\00:22:11.69
They had these small
little, I don't know,
00:22:11.86\00:22:13.60
the wide mouth quart...
00:22:13.63\00:22:15.26
No I don't even
think they were quart.
00:22:15.30\00:22:16.63
Maybe pint mason
jars with a little lid
00:22:16.67\00:22:18.77
and a little screw on lid.
00:22:19.17\00:22:20.57
And they put
little stickers on it.
00:22:20.60\00:22:22.07
So there was a sticker of
a church that was on the lid.
00:22:22.10\00:22:24.57
Then there was a
sticker of, like, clothes
00:22:24.61\00:22:26.27
so I could save
money for my own clothing.
00:22:26.31\00:22:27.91
I think there was, I forget,
the sticker for, like, savings.
00:22:27.94\00:22:30.31
So my parents
were very strong on,
00:22:30.71\00:22:33.55
"Okay, now this
is God's portion.
00:22:33.58\00:22:35.28
And if you want some new
clothes you can put some money,"
00:22:35.55\00:22:38.45
you know, we'd
get some allowance,
00:22:38.49\00:22:39.82
"you can put so
much in for clothing,
00:22:39.85\00:22:41.72
so much in for savings."
00:22:41.76\00:22:43.12
Because you know, we
think about the 20% is God's,
00:22:43.36\00:22:45.53
but do you know,
all of it is God's.
00:22:45.56\00:22:47.36
The rest of the
80%, that's also His.
00:22:47.40\00:22:50.47
And I think that goes
along with being a good steward,
00:22:51.03\00:22:52.77
what God has given to us.
00:22:52.80\00:22:54.20
You mentioned about
the five "T's", was it?
00:22:54.24\00:22:56.10
Five "T's".
What were they again?
00:22:56.14\00:22:57.81
Time, talents,
treasure, testimony, and temple.
00:22:58.24\00:23:00.78
Yeah, so that's
really everything.
00:23:00.81\00:23:02.61
And God wants us
to be stewards of
00:23:02.64\00:23:04.01
everything, including our time.
00:23:04.05\00:23:05.38
That can be difficult sometimes.
00:23:05.41\00:23:06.75
Even our
talents. But everything.
00:23:06.78\00:23:08.92
But all of our money.
00:23:08.95\00:23:10.29
Yes, the 20%, 10% tithe.
00:23:10.32\00:23:12.29
Jill and I feel
10% for offering.
00:23:12.59\00:23:14.39
But also the rest of the 80%,
00:23:14.42\00:23:15.99
what does God want
us to do with that?
00:23:16.09\00:23:17.69
That's being a good
steward of it as well.
00:23:17.79\00:23:19.33
And I wrote this
down, Mollie, here.
00:23:19.36\00:23:21.56
Let's see here.
00:23:21.60\00:23:22.93
Materialism.
00:23:22.96\00:23:24.30
It's not about what one has,
00:23:24.33\00:23:26.40
rather it's about
a person's attitude
00:23:27.17\00:23:30.07
toward what he has.
00:23:30.51\00:23:32.51
So there's nothing
wrong with having means,
00:23:32.61\00:23:34.81
and lots of it, or
whatever God has given you.
00:23:34.84\00:23:37.05
But it's our attitude toward it.
00:23:37.25\00:23:38.81
Is it everything
to me, or am I...
00:23:38.85\00:23:41.58
What am I looking
to do with that money?
00:23:41.62\00:23:43.62
Help others, bless God's work.
00:23:43.85\00:23:45.75
I think that's the key,
is our attitude, Mollie,
00:23:45.79\00:23:47.69
toward what we have.
00:23:47.72\00:23:49.06
~ I think of Matthew 6.
00:23:49.42\00:23:50.76
Hmm, that's good.
That's a good verse, yes.
00:23:50.79\00:23:52.49
Matthew 6, this is part
of the sermon on the mount,
00:23:52.53\00:23:55.20
verses 19-21.
00:23:55.23\00:23:57.57
It says, "Do not lay up for
yourselves treasures on earth,
00:23:57.87\00:24:00.80
where moth and rust destroy
and where thieves break in
00:24:00.90\00:24:03.77
and steal; but
lay up for yourselves
00:24:03.81\00:24:05.67
treasures in heaven..."
00:24:05.71\00:24:07.04
That's what you're
doing when you invest
00:24:07.08\00:24:09.24
in the ministry of 3ABN.
00:24:09.28\00:24:11.38
It's laying up for
yourselves treasures in heaven.
00:24:11.58\00:24:15.25
Because what happens
when we store them in heaven?
00:24:15.45\00:24:17.85
"...neither moth nor rust
destroys and thieves do not
00:24:17.89\00:24:20.59
break in and steal.
00:24:20.62\00:24:21.96
For where your treasure is,
there your heart will be also."
00:24:21.99\00:24:25.86
And you know, many
times I use to think of
00:24:25.96\00:24:28.06
this verse, this section
of the sermon on the mount,
00:24:28.10\00:24:30.77
and I would say,
"Okay, I'm supposed to lay up
00:24:31.43\00:24:33.50
treasure in heaven."
00:24:33.54\00:24:34.87
But why do I do that?
00:24:34.90\00:24:36.24
When I lay up treasure
in heaven, it means my heart
00:24:36.27\00:24:39.87
goes more that way.
00:24:39.91\00:24:41.24
My heart turns
toward wanting to sacrifice,
00:24:41.38\00:24:45.41
wanting to see souls brought
to the kingdom of heaven.
00:24:45.45\00:24:48.25
Okay, so we're seeing
that we must be good stewards
00:24:49.32\00:24:53.79
of the blessings
that God gives us.
00:24:53.82\00:24:56.06
And in being a good steward,
that's also making preparation
00:24:56.09\00:25:01.16
for ourselves, again.
00:25:01.43\00:25:05.50
Making, preparing while we're
in our young productive years,
00:25:05.70\00:25:10.87
earning years, for those years.
00:25:11.31\00:25:13.38
Because you know, God willing,
we'll all live past those years
00:25:13.41\00:25:18.25
when we have to come to where...
00:25:18.28\00:25:20.12
You know what? I'm retiring.
00:25:20.15\00:25:22.48
And my retirement date
is just right up on me.
00:25:22.68\00:25:27.06
So I never thought I would ever
not be working 40 hours a week,
00:25:27.09\00:25:33.93
but lo and behold, Jill
Morikone is the General Manager
00:25:33.96\00:25:38.47
of 3ABN, and
doing an incredible job.
00:25:38.50\00:25:41.70
So God made preparation
here at 3ABN for me to have
00:25:41.74\00:25:47.44
some years away
from the 40 hour.
00:25:47.48\00:25:51.61
Not away from God, and
not away from serving God
00:25:51.65\00:25:54.65
in doing for the kingdom of God,
00:25:54.68\00:25:56.62
but away from the 40
hour a week job that I've had
00:25:56.85\00:26:01.12
since I was 18 years old.
00:26:01.16\00:26:02.76
I worked 50 years.
00:26:02.86\00:26:04.59
Yes, I get a jubilee. 50 years.
00:26:04.63\00:26:09.00
But you know, so we're
looking at being good stewards
00:26:09.03\00:26:14.10
and making preparation.
00:26:14.14\00:26:15.77
And in doing that, we
have these instruments
00:26:15.87\00:26:20.48
in our Planned Giving and
Trust Services department.
00:26:20.68\00:26:23.95
And what we want
Earlenne to do now
00:26:24.15\00:26:27.02
is just educate us.
00:26:27.05\00:26:28.62
Tell us what would be best.
00:26:28.65\00:26:30.55
What was best for you
and Greg at this time?
00:26:30.59\00:26:34.32
For us, the cash trust.
00:26:34.36\00:26:36.12
Because you get a
much higher interest.
00:26:36.16\00:26:38.19
I think, Earlenne, is it
four to five percent we get?
00:26:38.23\00:26:41.46
4.2 to 5.0
annual percentage rate.
00:26:41.50\00:26:44.60
That's a fluctuating...
00:26:44.63\00:26:46.00
~ Yeah, and you
said it's not guaranteed,
00:26:46.03\00:26:47.37
but that's what it
kind of averages out.
00:26:47.40\00:26:48.74
~ It's not guaranteed, but
for the going on our ninth year
00:26:48.77\00:26:51.47
it has been right there.
00:26:51.67\00:26:53.44
And last year was the
highest one we've had.
00:26:53.74\00:26:56.28
And so 4.2 to 5.0 annual
percentage rate is pretty good.
00:26:56.68\00:27:02.48
That's really very good.
00:27:02.52\00:27:03.85
~ Yeah, considering if
you put your money in the bank
00:27:03.89\00:27:05.79
in a savings account
or a checking account
00:27:05.82\00:27:07.62
you're basically
getting nothing, basically.
00:27:07.66\00:27:09.39
~ And on top of that,
Greg, if you put it in there
00:27:09.42\00:27:12.93
they might say, "Yeah, we can
give you a better interest rate,
00:27:12.96\00:27:17.83
but we're going to hang onto
it for five years or ten years."
00:27:18.23\00:27:20.57
You wouldn't have access to it.
00:27:20.87\00:27:22.20
Yours is liquid right now.
00:27:22.54\00:27:24.07
Should you have a major
situation happen that you
00:27:24.11\00:27:26.98
needed that money back,
a life changing situation,
00:27:27.01\00:27:30.78
we will gladly
refund your money.
00:27:30.98\00:27:32.98
3ABN has never held
off giving back money
00:27:33.25\00:27:36.15
to anybody who needs it.
00:27:36.18\00:27:37.89
And we don't
decide if you need it.
00:27:37.92\00:27:39.95
You decide if you need it.
00:27:39.99\00:27:41.99
That's a very important point.
00:27:42.02\00:27:43.79
So is that what you
call a revocable cash trust?
00:27:43.83\00:27:46.09
It is a revocable cash trust.
00:27:46.13\00:27:48.96
~ I want to say this.
00:27:49.00\00:27:50.33
That's what Hal and I
have is a revocable cash trust.
00:27:50.37\00:27:52.93
And we had a family
member that was in a situation
00:27:53.34\00:27:56.50
where just like that
they needed some money.
00:27:56.54\00:27:59.24
And so all I did was
call over to Trust Services
00:27:59.57\00:28:03.01
and say, "Help, I need this."
00:28:03.04\00:28:04.95
And it was on my
desk the next morning.
00:28:04.98\00:28:07.22
So that's what we mean
when we say it's our money,
00:28:07.25\00:28:11.42
it's liquid now, and we have
free access to it at any time.
00:28:11.45\00:28:15.89
Now explain about a
cash trust and how you can
00:28:16.32\00:28:21.16
become a client of 3ABN
in the cash trust department.
00:28:21.93\00:28:27.24
Okay, I'll be
happy to talk about that.
00:28:27.27\00:28:29.70
If you have
$10,000 and you're single,
00:28:29.94\00:28:33.07
or if you have
$20,000 and you're married,
00:28:33.11\00:28:36.54
then that money
can be invested in 3ABN
00:28:36.75\00:28:40.55
and you too will
earn that 4.2 to 5.0.
00:28:40.58\00:28:43.89
We send out
regular monthly statements
00:28:44.09\00:28:46.59
so you know
exactly what's happening.
00:28:46.62\00:28:48.59
Some people choose
to accrue the interest
00:28:48.79\00:28:52.19
back into their account.
00:28:52.39\00:28:54.03
Some people choose to
take half of the money
00:28:54.20\00:28:57.27
but give half of the
interest money every month
00:28:57.30\00:29:00.57
as a gift to 3ABN.
00:29:00.60\00:29:02.37
We have grandparents who
are supporting their kids
00:29:03.44\00:29:06.44
in academies or grade schools.
00:29:06.47\00:29:08.54
They want them to have a
good Christian education.
00:29:08.74\00:29:11.98
And they knew the parents
couldn't do it on their own
00:29:12.01\00:29:14.32
so they invested money,
and the interest they're making
00:29:14.35\00:29:18.05
we're sending that
money to an academy
00:29:18.09\00:29:20.46
or a grade school where it's
going towards their tuition.
00:29:20.49\00:29:24.16
~ Yeah, that's great.
00:29:24.66\00:29:25.99
And this is what they did.
00:29:26.03\00:29:27.40
They invested their principle
and they live off the interest.
00:29:27.50\00:29:32.00
And you can ask
both of my children,
00:29:32.10\00:29:34.34
if I've given them any
financial counsel it was,
00:29:34.37\00:29:37.71
"Invest your principle,
live off the interest."
00:29:37.74\00:29:40.94
Don't ever eat your seed.
00:29:40.98\00:29:45.48
Plant your seed and then live
off the crop that comes from it.
00:29:45.51\00:29:49.92
~ That's right.
That's exactly right.
00:29:49.95\00:29:52.42
So that's a very,
very good document.
00:29:52.65\00:29:54.92
And we start your
interest being earned
00:29:56.12\00:29:59.86
as quick as we
receive your check.
00:29:59.89\00:30:02.16
And the form that
we send you in the mail
00:30:02.70\00:30:05.40
that comes in your
packet will be the application
00:30:05.43\00:30:08.10
that you're going to fill out.
00:30:08.14\00:30:09.47
When you fill that application
out, you're going to send it
00:30:09.57\00:30:12.27
into us and we will
give it to the attorney.
00:30:12.31\00:30:15.31
So that's actually
the attorney's worksheet
00:30:15.34\00:30:18.08
so that we know
exactly what you want.
00:30:18.31\00:30:20.82
Right.
00:30:20.85\00:30:22.18
And so you will be
getting a fully printed up
00:30:22.22\00:30:24.52
document very soon.
00:30:24.62\00:30:26.49
And that document will then
be signed after you review it.
00:30:26.69\00:30:32.83
But what you had selected
is going to be in there.
00:30:33.03\00:30:36.40
And of course, you want
to check and make sure that
00:30:36.80\00:30:39.13
your birth date was right, and
you know, a few other details.
00:30:39.23\00:30:42.37
And I'd like to bring
up something here too.
00:30:43.61\00:30:45.51
When we ask you to
fill out an application,
00:30:46.44\00:30:49.11
that application is
a snoopy application.
00:30:49.31\00:30:53.52
Very snoopy.
00:30:54.35\00:30:55.68
We have to know some things
in order to be able to help you
00:30:55.72\00:30:58.75
and legally carry
forward the document that
00:30:58.85\00:31:02.26
you are preparing with us.
00:31:02.29\00:31:03.96
Among those things will
be your grandparents names,
00:31:04.43\00:31:08.80
your mother's maiden name.
00:31:09.93\00:31:11.60
Some people haven't thought
about that one for a long time.
00:31:12.03\00:31:14.10
They go, "Oh, let me think."
00:31:14.14\00:31:15.97
Well you can be
thinking about that in advance.
00:31:16.07\00:31:18.01
When you order your
packet, you'll be ready to roll.
00:31:18.24\00:31:20.64
Another thing we ask for is
your social security number.
00:31:20.88\00:31:24.78
We are snoopy.
00:31:25.01\00:31:26.35
The reason we ask
for that is not because
00:31:26.38\00:31:29.85
we're identifying you.
00:31:29.88\00:31:31.45
It is because you
will earn interest.
00:31:31.69\00:31:33.96
And we have to
report that interest.
00:31:33.99\00:31:36.52
So that will be attached to
your social security number.
00:31:36.89\00:31:41.30
And of course, you will get your
papers at the end of every year
00:31:41.50\00:31:44.23
to turn in for your tax reports.
00:31:44.27\00:31:46.57
~ And everything is
totally confidential.
00:31:46.94\00:31:48.90
Totally confidential. Totally.
00:31:48.94\00:31:51.61
And we have our files
here, we have concrete vaults.
00:31:51.84\00:31:55.38
They stay in there.
00:31:55.41\00:31:57.15
They're well protected.
00:31:57.18\00:31:58.51
But when we first
prepare the documents,
00:31:58.61\00:32:00.82
we also make two originals.
00:32:00.98\00:32:04.05
One for you and one
for here at the office.
00:32:04.19\00:32:07.79
So there are two originals.
00:32:07.99\00:32:10.23
And that's a safety thing.
00:32:10.26\00:32:12.59
Once you prepare a document
with us, you are also going to
00:32:13.16\00:32:15.83
receive in the
mail a wallet card.
00:32:15.86\00:32:19.00
Just a little wallet card.
00:32:19.43\00:32:20.94
About the size of
your driver's license.
00:32:20.97\00:32:22.94
And on there will be a
phone number where to call
00:32:23.04\00:32:26.74
should anything happen to you.
00:32:26.78\00:32:28.81
If you were in a car accident,
00:32:29.08\00:32:30.75
if you had an
instant heart attack,
00:32:30.78\00:32:32.41
if you got stung by
a bee and passed out
00:32:32.45\00:32:34.58
and were dead minutes later.
00:32:34.62\00:32:36.38
How is somebody going
to identify who you are
00:32:36.69\00:32:39.19
other than just
your driver's license?
00:32:39.39\00:32:42.36
Do you have anything
else that's of total value?
00:32:42.56\00:32:45.69
And for us, it's
of total value to God.
00:32:45.73\00:32:48.50
You may not have a
spouse that's still living.
00:32:48.80\00:32:51.10
It might be the time that
you are going to turn that money
00:32:51.37\00:32:54.34
over to God's work.
00:32:54.37\00:32:55.70
What is, I know we're talking
about a revocable cash trust,
00:32:58.24\00:33:03.38
but aren't there
irrevocable documents?
00:33:03.41\00:33:05.81
Yes, there are
irrevocable documents.
00:33:06.11\00:33:08.92
This is called an annuity.
00:33:09.28\00:33:11.05
And many people in
their older years...
00:33:11.09\00:33:14.02
Not that old.
65 is not that old.
00:33:14.22\00:33:17.06
But at 65 you might be
able to surpass that 4.2 to 5.0.
00:33:17.26\00:33:22.90
And we might suggest,
why don't you put your first
00:33:23.20\00:33:25.77
$5,000 or $10,000 or
$20,000 out of your savings and
00:33:25.87\00:33:30.04
start an annuity.
00:33:30.07\00:33:31.57
That is instantly
going to lock you into
00:33:31.81\00:33:34.08
a higher rate of interest.
00:33:34.11\00:33:36.01
Because if the
economy goes this direction,
00:33:36.71\00:33:40.18
you don't change.
00:33:40.52\00:33:41.85
It stays right
there. It's guaranteed.
00:33:41.88\00:33:44.75
So if you're 65 and above, that
is a very important document
00:33:44.79\00:33:48.32
to switch either, you know,
some of your funds over to.
00:33:48.42\00:33:51.53
Some people
choose half their funds.
00:33:51.56\00:33:53.46
We never recommend that
you put in everything you own.
00:33:53.50\00:33:57.23
That is not a good plan.
00:33:57.80\00:33:59.27
We're here to make
sure you, your family,
00:33:59.30\00:34:01.67
your church, you
know, those types of things
00:34:01.70\00:34:04.01
are all taken care of.
00:34:04.04\00:34:05.37
It's the other part
of the money that you can
00:34:05.41\00:34:07.34
go ahead and put in.
00:34:07.38\00:34:08.71
You will earn a
higher rate of interest.
00:34:08.74\00:34:10.65
Now each time you buy a
new annuity, you buy them,
00:34:10.68\00:34:14.45
you buy them in increments
of $5,000, $10,000, $20,000.
00:34:14.62\00:34:19.95
And that's what that
one is going to be valued at
00:34:19.99\00:34:22.22
for the whole life of it.
00:34:22.26\00:34:23.59
Now if you want to put more
money into another annuity...
00:34:24.49\00:34:27.73
And most people do this like
right at the end of the year
00:34:28.43\00:34:31.13
because they're
looking for another tax break.
00:34:31.17\00:34:32.83
Which is an important point to.
00:34:33.20\00:34:34.80
You can do one and
put in another $10,000.
00:34:35.74\00:34:39.21
~ So does it accrue as
in, say you had a $5,000,
00:34:39.24\00:34:42.21
and then now you
add another $5,000.
00:34:42.24\00:34:43.58
- Is it a $10,000?
- Good question, Jill.
00:34:43.61\00:34:45.45
No, it's doesn't accrue.
00:34:45.78\00:34:47.22
You buy a new one each time.
00:34:47.25\00:34:49.58
Now, maybe you bought the
first one when you were 65.
00:34:49.68\00:34:53.12
Maybe you didn't think of
it again until you were 67.
00:34:53.32\00:34:55.86
Guess what? You're older.
00:34:56.36\00:34:58.26
Your interest rate is more.
00:34:58.36\00:35:00.33
So if you have $10,000...
00:35:00.36\00:35:02.06
And we've had
people call us and say,
00:35:02.10\00:35:03.43
"I have eleven of
these with you now,
00:35:03.63\00:35:06.03
and the interest is
different on each one of them
00:35:06.40\00:35:08.60
for the same dollar amount."
00:35:08.64\00:35:10.17
That's because you
were getting older.
00:35:10.27\00:35:13.04
Now we have the
best senior citizen plan.
00:35:13.48\00:35:15.51
- You know that,
don't you? - I know that.
00:35:15.54\00:35:17.01
You know that.
00:35:17.05\00:35:18.38
And just recently
it got even better.
00:35:18.41\00:35:21.42
Our older
clients, you can now earn,
00:35:22.48\00:35:26.59
if you're in
your 90's, up to 9.3.
00:35:26.62\00:35:30.43
- 9.3 ~ That's a lot.
00:35:31.03\00:35:33.19
Yes, and we have
a number of clients
00:35:33.23\00:35:36.67
who have called us, and that's
exactly the bracket they're in.
00:35:36.70\00:35:40.07
~ It will never go
down. - It will never go down.
00:35:40.10\00:35:42.50
It will never go down.
00:35:42.54\00:35:44.14
Now some people will recall that
in 2008 we had a market crash.
00:35:44.51\00:35:49.31
And what happened there
was we did have some people
00:35:49.88\00:35:52.28
that were making 12%.
00:35:52.31\00:35:54.62
They did not go down.
00:35:55.62\00:35:57.49
We've got one lady right
now that's 104 years old;
00:35:57.59\00:36:01.02
she has the 12%.
00:36:01.06\00:36:02.92
Now she did it back
here, and when it dropped
00:36:03.73\00:36:07.23
it didn't drop off for her.
00:36:07.33\00:36:09.00
Now I'm going to go back
to why we suggested to you
00:36:09.33\00:36:11.93
that you do the cash
trust for 4.2 to 5.0.
00:36:11.97\00:36:15.10
And that's because we
don't want to lock you in yet.
00:36:15.40\00:36:18.67
Because you could go higher.
00:36:18.81\00:36:20.38
But don't wait too
long to go a little higher.
00:36:20.64\00:36:23.41
Keep some of that
money in there so that you're
00:36:23.61\00:36:26.41
getting that good interest,
because then your interest
00:36:26.45\00:36:28.92
payment will be larger.
00:36:28.95\00:36:30.42
So I'm thinking about
also the benefit, though,
00:36:31.69\00:36:33.49
this is neat too,
as far as for 3ABN.
00:36:33.52\00:36:35.59
Because when we do the cash
trust it's a minimum of 25%.
00:36:35.62\00:36:38.43
Like if Jill and I were to be
killed in an automobile accident
00:36:38.46\00:36:40.50
or some other disaster, 25% of
that automatically goes to 3ABN.
00:36:40.53\00:36:45.27
So that's part of the document.
00:36:45.30\00:36:46.63
And I think that's
again talking about, Mollie,
00:36:46.67\00:36:48.14
being a good steward.
00:36:48.17\00:36:49.50
You know, the way Jill
and I did it, we divided it up
00:36:49.54\00:36:51.14
amongst some other people, but
then part of it's coming to 3ABN
00:36:51.17\00:36:54.34
if we were to pass away.
00:36:54.38\00:36:55.71
And that's where it's great
because then it blesses 3ABN
00:36:55.74\00:36:57.78
even after we're gone.
00:36:57.98\00:36:59.31
~ And I'd like to
add to that, Greg.
00:36:59.35\00:37:01.78
Greg brought up
the fact that it's 25%.
00:37:02.18\00:37:04.55
It can be 25%, it can be 100%.
00:37:04.59\00:37:07.72
We have got some elderly
people who have no family left,
00:37:07.99\00:37:11.29
and they had no children.
00:37:11.39\00:37:12.83
They will put on that
line every time 100% to 3ABN.
00:37:13.23\00:37:16.80
So you are welcome to
customize your document
00:37:17.13\00:37:20.27
exactly the way you want it,
00:37:20.30\00:37:22.10
and we will
facilitate your wishes.
00:37:22.14\00:37:24.21
Now also on that same
page, which is about page 4 or 5
00:37:24.57\00:37:29.48
in the application,
there is a spot where you
00:37:29.51\00:37:32.81
will need to put an
alternate, except 3ABN.
00:37:32.85\00:37:37.09
So maybe you listed
all of your children.
00:37:37.95\00:37:41.42
And all of your children
need to have an alternate.
00:37:41.96\00:37:44.56
Either the money will then,
75% of it maybe, be divided
00:37:44.86\00:37:48.76
equally among
three more children,
00:37:48.80\00:37:51.03
So they each get 25,
plus, you know, 3ABN gets 25.
00:37:51.07\00:37:55.34
But what if they're not living?
00:37:55.37\00:37:57.04
What if something
happens to one of them?
00:37:57.07\00:37:59.17
Then it needs to
go to somebody else.
00:37:59.67\00:38:01.68
Either the other siblings
or it can also go to 3ABN.
00:38:01.84\00:38:06.38
The other thing you can do
is we support all ministries.
00:38:06.85\00:38:10.05
So if you wanted to put
another ministry name in there,
00:38:10.29\00:38:14.12
we will honor
your wishes for that.
00:38:14.22\00:38:15.99
~ I didn't know
that. - Yes, we do.
00:38:16.02\00:38:18.06
And it is a good plan.
00:38:18.46\00:38:20.96
Because I'll tell you,
all the other ministries
00:38:21.00\00:38:23.77
are writing documents
with our name in it too.
00:38:23.80\00:38:26.33
So it's share and
share alike in the church
00:38:26.43\00:38:28.54
with the money of God.
00:38:28.57\00:38:30.01
It is shared.
00:38:30.04\00:38:31.37
And so it's very
important that you list for us
00:38:31.41\00:38:33.94
exactly what you want to do.
00:38:33.98\00:38:35.91
If you don't know
some ministry names,
00:38:35.94\00:38:38.08
but you'd like to
support some ministries,
00:38:38.11\00:38:40.28
we do have suggestions for you.
00:38:40.32\00:38:42.72
And some of the people
that you have seen featured
00:38:43.02\00:38:45.65
right here on 3ABN, mission
projects and things like that,
00:38:45.69\00:38:50.53
we've got people that
list those in their documents.
00:38:50.56\00:38:53.13
Now someone says, "Well
they're not a real big ministry,
00:38:53.33\00:38:56.30
they're small, but they
certainly need my funds."
00:38:56.33\00:38:58.83
Well maybe God chose
ten years down the road
00:38:59.33\00:39:02.00
that ministry is no longer
here, or it took on a new name.
00:39:02.04\00:39:05.51
That has happened too.
00:39:05.54\00:39:06.88
You can still list them.
00:39:07.51\00:39:09.11
Because that money can
then go to an alternate.
00:39:09.41\00:39:12.45
So don't be afraid to give
it to a small ministry also.
00:39:13.11\00:39:16.12
All ministries that
are doing the Lord's work
00:39:16.42\00:39:18.82
need to have funds.
00:39:18.85\00:39:20.22
~ That's right. ~ Amen.
00:39:20.26\00:39:21.59
So that kind of
covers the annuity,
00:39:21.62\00:39:24.99
and then of
course the cash trust,
00:39:25.09\00:39:26.43
and how the two can relate.
00:39:26.46\00:39:27.80
Cash trust is revocable,
the annuities are irrevocable.
00:39:28.06\00:39:32.47
So I could give you a quick
rundown too, if you would like.
00:39:33.20\00:39:36.81
An irrevocable document always
has a fixed interest rate.
00:39:37.44\00:39:41.84
This fixed interest
rate: payments for life.
00:39:42.38\00:39:45.71
You don't add to it, but
you can always buy a new one.
00:39:45.88\00:39:48.45
That's a great part.
00:39:48.48\00:39:49.82
And then you may
not withdraw funds.
00:39:49.85\00:39:52.52
It has already been
permanently invested.
00:39:52.95\00:39:55.89
Now you say, "When I pass
away, if these payments are
00:39:55.99\00:39:58.83
coming to me, what
happens to the rest of the money
00:39:58.86\00:40:01.10
when I pass away?
00:40:01.13\00:40:02.53
I'm gone now."
00:40:03.23\00:40:04.57
What remains in that
account comes to 3ABN.
00:40:05.10\00:40:09.17
And that is your
charitable intent.
00:40:09.20\00:40:11.31
So our annuities are
charitable intent documents.
00:40:11.71\00:40:15.04
Just like the others.
00:40:15.08\00:40:16.61
But 100% of
what's left in there.
00:40:16.71\00:40:19.78
Okay, so someone
says, "Wait a minute.
00:40:19.81\00:40:21.22
I put $100,000 in there.
00:40:21.25\00:40:23.42
3ABN is going to get all of
that and I can't distribute it?"
00:40:23.45\00:40:26.35
It's all going to go to 3ABN.
00:40:26.39\00:40:28.32
But your $100,000
is no longer in there.
00:40:28.42\00:40:32.53
We've been paying
you interest out of that,
00:40:32.93\00:40:35.26
along with the
interest that you've earned,
00:40:35.30\00:40:37.33
for your life.
00:40:37.37\00:40:38.70
But what remains in there
is what will come to 3ABN.
00:40:38.83\00:40:43.17
And we have had some
wonderful, wonderful gifts
00:40:43.20\00:40:48.01
from the annuities.
00:40:48.04\00:40:49.38
And then it's a tax benefit.
00:40:50.25\00:40:52.41
It's very important
that we have tax benefits
00:40:52.45\00:40:54.82
when we work with finances.
00:40:54.85\00:40:56.28
And an annuity is one of those.
00:40:56.32\00:40:59.15
Now a cash trust is revocable.
00:40:59.42\00:41:02.86
The other one is irrevocable,
cash trust is revocable.
00:41:03.06\00:41:06.36
It will have a
variable interest rate.
00:41:07.93\00:41:09.93
Now if you wanted to
figure out what your interest
00:41:09.96\00:41:11.70
was going to be
approximately for the year,
00:41:11.73\00:41:14.20
you can take and add up
all 12 months of whatever
00:41:14.40\00:41:17.21
interest is fluctuating, add all
of those up, divide it by 12.
00:41:17.24\00:41:22.14
Easy formula.
00:41:22.34\00:41:23.75
There's your interest rate.
00:41:23.85\00:41:25.58
Okay, we're done with the
program and we don't remember
00:41:25.88\00:41:28.95
what Earlenne said, that's okay.
00:41:28.98\00:41:30.82
I have a
telephone, give me a call,
00:41:30.85\00:41:33.05
and I will go over
all the details with you.
00:41:33.09\00:41:35.92
~ And there's a
packet you can send them too.
00:41:36.26\00:41:38.26
Yes, we send a
package, and there's some
00:41:38.29\00:41:40.13
surprise gifts in there too.
00:41:40.16\00:41:41.80
Things from 3ABN that I think
people always enjoy getting.
00:41:43.06\00:41:46.23
You also get copies of
programs similar to this one
00:41:46.50\00:41:49.24
that we have done.
00:41:49.27\00:41:50.61
And those programs are an
educational benefit to you.
00:41:50.64\00:41:54.38
Sit down and
watch them, absorb them,
00:41:54.48\00:41:57.11
and then first contact God.
00:41:57.15\00:42:00.25
Say, "God, what
would you want me to do?"
00:42:01.08\00:42:03.49
When Hal and I were
first looking at this,
00:42:03.69\00:42:06.96
the document that worked
best for us was the cash trust.
00:42:06.99\00:42:10.76
That's what you have
invested in is the cash trust.
00:42:10.79\00:42:13.90
But I know y'all are very
young and you have other aspects
00:42:14.10\00:42:17.37
that you want to look at.
00:42:17.40\00:42:18.73
And I think, Greg,
property trust was something
00:42:18.77\00:42:20.87
that was interesting to you.
00:42:20.90\00:42:22.24
That's something Jill and I are
looking at is a property trust.
00:42:22.27\00:42:24.04
And I know, Earlenne, you can
expound upon that a little bit.
00:42:24.07\00:42:26.34
But that you can use in
place of a will, actually.
00:42:26.37\00:42:29.08
Which is new information that
we hadn't actually considered.
00:42:29.11\00:42:31.58
And that would be basically
everything that you own.
00:42:31.61\00:42:34.15
- Is that correct? ~ Uh-huh.
00:42:34.18\00:42:35.52
~ And for the older generation
this is a very common question.
00:42:35.55\00:42:38.82
So it's very good that
you brought it up, Greg.
00:42:38.85\00:42:41.36
The older generation
was kind of tuned into,
00:42:42.29\00:42:44.43
"Oh, do you have a will yet?"
00:42:44.63\00:42:45.96
"Oh, you're not doing well.
Have you written a will yet?"
00:42:45.99\00:42:48.10
Believe it or not,
they talk like this.
00:42:48.13\00:42:49.76
That's, you know, something
they are worried about.
00:42:49.80\00:42:52.77
So they want to write a will.
00:42:52.80\00:42:54.17
We're not going to encourage
you to do a will unless
00:42:54.50\00:42:56.71
you've got maybe a
really small estate.
00:42:56.74\00:42:59.87
But if there's a house,
we're still going to recommend
00:43:00.34\00:43:02.88
you put it into a trust.
00:43:02.91\00:43:04.28
A will is public knowledge.
00:43:04.61\00:43:07.08
And I know, Greg,
that took you by surprise
00:43:07.12\00:43:09.12
that it's public knowledge.
00:43:09.15\00:43:10.59
Anybody can go to
the courthouse and say,
00:43:10.62\00:43:12.09
"So what did mom and
dad do with their stuff?"
00:43:12.12\00:43:14.56
Okay, they put it in a will.
00:43:14.79\00:43:16.12
So they go and look it up.
00:43:16.16\00:43:17.49
"Hey, did you know you're
getting something and I'm not?"
00:43:17.53\00:43:19.59
Well let's avoid that
situation, do a trust.
00:43:19.63\00:43:22.73
And that is not
public knowledge to anybody.
00:43:22.76\00:43:25.33
It's between you, God, and the
trust department that wrote it.
00:43:25.43\00:43:28.34
~ And I think a good point
too that you and Roy brought up
00:43:28.44\00:43:30.94
is that actually the deed or the
title, let's say, to the house
00:43:30.97\00:43:33.64
that Jill and I live in
actually is still held by me.
00:43:33.68\00:43:35.81
It doesn't go to 3ABN...
00:43:35.84\00:43:37.75
~ That's the beauty of
the self-administered trust
00:43:37.78\00:43:41.18
which is a property trust; SAT.
00:43:41.22\00:43:43.59
Yes, Greg's got a new word now.
00:43:43.79\00:43:45.45
SAT; call up
and ask about a SAT.
00:43:45.49\00:43:47.79
When I think about
that, I think of satellite.
00:43:47.82\00:43:49.42
But SAT.
Self-administered trust.
00:43:50.63\00:43:52.63
You're very
tuned into television.
00:43:52.83\00:43:54.16
That's right, I am.
00:43:54.20\00:43:55.53
The SAT is important.
00:43:55.86\00:43:57.50
Getting your house in
there and protecting it
00:43:57.90\00:43:59.97
so that if
anything happens to you,
00:44:00.17\00:44:02.97
that's taken care of.
00:44:03.74\00:44:05.71
It's not just going to be lying
over there and the government
00:44:05.74\00:44:08.84
get their hands on it or
somebody that you didn't want.
00:44:08.88\00:44:11.61
It's settled,
you've already decided.
00:44:11.71\00:44:13.98
So if Greg and Jill
put their house in a SAT,
00:44:14.18\00:44:16.79
and wanted to divide it
among 3ABN and family members,
00:44:16.82\00:44:20.86
that would be a beautiful act.
00:44:20.89\00:44:22.52
If you own multiple properties,
you can do multiple properties
00:44:22.62\00:44:26.29
in the same trust.
00:44:26.33\00:44:28.33
~ So the different properties
all go into the one trust?
00:44:28.36\00:44:30.90
They all go in there, but
they're listed separately.
00:44:31.10\00:44:33.64
Now what we will have is,
we will need to get a deed
00:44:33.74\00:44:38.04
for each property.
00:44:38.07\00:44:39.41
So if you have a property but
it doesn't have a house on it,
00:44:39.47\00:44:41.71
that's okay,
there's still a deed.
00:44:41.74\00:44:43.24
So make sure that we get a
deed to put into your trust.
00:44:43.48\00:44:46.85
We will prepare that
deed where it will now read
00:44:47.18\00:44:50.25
that it is
going into your trust.
00:44:50.29\00:44:53.59
Not to 3ABN.
00:44:53.62\00:44:55.12
The SAT is a
self-administered trust,
00:44:55.16\00:44:59.59
which is a very important point.
00:44:59.63\00:45:01.36
Because we don't want anybody
to think they've given up
00:45:01.40\00:45:03.47
their property already to 3ABN.
00:45:03.50\00:45:06.17
It's important that you
give the property to your trust
00:45:06.20\00:45:10.04
to be administered
the way you would like it.
00:45:10.07\00:45:12.27
~ And is it
revocable or irrevocable?
00:45:12.31\00:45:14.14
It is totally revocable.
00:45:14.18\00:45:15.74
Okay, now maybe
you sell that house,
00:45:15.78\00:45:18.05
and you own two
other properties in it,
00:45:18.38\00:45:20.35
but you sell the one house
and you move to another one,
00:45:20.38\00:45:23.59
then we'll take the old one out
00:45:23.82\00:45:25.75
and we'll put the
new one in for you.
00:45:25.79\00:45:27.56
So that's something
that's done very easily.
00:45:27.86\00:45:29.89
And we do
prepare those documents
00:45:29.92\00:45:32.09
to make the switch of the deeds
at no expense to you the client.
00:45:32.29\00:45:37.03
That is very, very important.
00:45:37.07\00:45:38.87
We do not do the recording,
we don't pay the recording fees.
00:45:39.07\00:45:43.34
So that's
something that we don't do.
00:45:43.37\00:45:45.74
But other than that, we
take pretty good care of you.
00:45:45.84\00:45:48.24
Now if you have a property
trust, this is also where
00:45:48.34\00:45:51.01
you're going to put
in a few more things.
00:45:51.05\00:45:52.75
Some of the things that
you're going to put in would be
00:45:53.05\00:45:55.15
your bank accounts.
00:45:55.18\00:45:56.52
We need to know
on your bank accounts
00:45:56.55\00:45:58.69
just the numbers, and
that you have gone to the bank
00:45:58.72\00:46:01.66
and done a POD.
00:46:01.69\00:46:04.49
Pay On Death.
00:46:04.53\00:46:06.86
Who's the money going to go to?
00:46:07.43\00:46:09.10
Is it going to come to
one of your family members?
00:46:09.40\00:46:12.33
Is it going to come to 3ABN?
00:46:12.37\00:46:14.44
Just don't leave it
there because the banks
00:46:14.80\00:46:17.27
are going to hold onto it.
00:46:17.31\00:46:18.71
If I don't have a POD,
like we don't have a POD,
00:46:19.17\00:46:22.31
so if you don't have a POD, what
happens if we were to pass away?
00:46:22.34\00:46:25.28
Where would the money go?
00:46:25.31\00:46:26.65
Have you heard of
unclaimed money that's
00:46:26.95\00:46:28.95
on a government website?
00:46:28.98\00:46:31.35
~ If nobody comes
to claim your money,
00:46:32.82\00:46:35.09
then it goes to the government.
00:46:35.56\00:46:37.39
It goes to the government.
00:46:37.43\00:46:38.76
And you can go on websites...
00:46:38.79\00:46:40.33
And Roy found an
aunt of his money in there
00:46:40.36\00:46:43.60
that for years
it had been sitting
00:46:43.87\00:46:46.74
that nobody had ever claimed it.
00:46:46.77\00:46:48.47
And he called her up and
let her know that she had,
00:46:48.90\00:46:50.81
you know,
something in the unclaimed.
00:46:51.11\00:46:53.27
So yes, that is
what will happen.
00:46:53.54\00:46:55.64
Pay On Death is vitally
important to every document.
00:46:55.68\00:46:59.21
You know, we did a POD
and let our daughter know,
00:46:59.25\00:47:02.52
"You're who we've put on this
00:47:02.55\00:47:04.15
in the event
something happens to Hal and I."
00:47:04.19\00:47:06.35
She can come and they
will empty both our savings
00:47:06.39\00:47:10.89
and our checking
account, give it to her.
00:47:10.93\00:47:12.99
And then we trust her, we
know that what she'll do then
00:47:13.03\00:47:16.20
is pay our bills, make
sure we're buried properly.
00:47:16.30\00:47:19.37
But rather than the
money just sitting there,
00:47:19.47\00:47:22.57
it will be used for
the things that we need.
00:47:22.60\00:47:27.68
~ Because it can
get held up a long time.
00:47:27.71\00:47:29.04
You know, court
proceedings and all that.
00:47:29.14\00:47:30.58
~ Oh yes, it can be
held up a long time,
00:47:30.61\00:47:32.05
and then there's that
risk of never getting it.
00:47:32.08\00:47:34.25
Also financial retirement plans.
00:47:34.28\00:47:37.45
If you've got
retirement plans somewhere,
00:47:37.69\00:47:39.92
or insurance,
definitely go to those
00:47:40.19\00:47:43.63
and do a Pay On Death.
00:47:43.66\00:47:44.99
Otherwise, where
are they going to go to?
00:47:45.03\00:47:46.49
And make sure that they are
listed to go into your trust.
00:47:46.93\00:47:51.20
We will give you the
name of your family trust
00:47:51.23\00:47:53.80
when it's developed.
00:47:53.84\00:47:55.17
And the funds can go
into that at any time.
00:47:55.20\00:47:58.14
~ You know, Earlenne,
I'm thinking about the
00:47:58.17\00:47:59.87
number of people, they
have been procrastinating
00:47:59.91\00:48:04.48
and they've been
meaning to do this for so long.
00:48:04.51\00:48:07.42
I had a little lady come to
me at the last camp meeting.
00:48:07.45\00:48:10.99
And she said, "You know, Mollie,
I heard one of your programs
00:48:11.02\00:48:14.06
on trust services,
and my husband and I said
00:48:14.09\00:48:17.39
we need to do this."
00:48:17.43\00:48:18.86
Now I want you to
know, they have been a
00:48:18.89\00:48:20.33
tremendous blessing to 3ABN.
00:48:20.36\00:48:22.66
But they had been meaning
to. They'd been procrastinating.
00:48:22.70\00:48:25.43
Finally they go... This
is what we hear so often.
00:48:25.47\00:48:30.21
Once we had our
documents in place,
00:48:30.44\00:48:33.84
we had all of our properties
securely where we know
00:48:33.88\00:48:40.12
that they're going to go
where we want them to go.
00:48:40.15\00:48:42.18
And everything so
secure in these trusts,
00:48:42.22\00:48:46.69
or whatever
document, we were so relieved.
00:48:46.72\00:48:49.79
It's like a weight
was lifted off of us
00:48:49.82\00:48:52.56
because now we don't
have to concern ourselves.
00:48:52.59\00:48:55.66
We know that everything
is going to be taken care of.
00:48:55.70\00:48:59.77
just like we want
it to be taken care of.
00:48:59.80\00:49:02.74
I will mention too that
we send out each year a form
00:49:02.77\00:49:06.47
where you can update.
00:49:06.51\00:49:07.94
We sent one that said,
"Is your trust an antique?"
00:49:07.98\00:49:11.11
Well you don't want your
trust to become an antique.
00:49:11.88\00:49:14.48
And we were checking, and
we gave them lines to write on.
00:49:14.68\00:49:17.65
You know, did you buy a new car?
00:49:17.85\00:49:19.69
Did you
actually sell your house?
00:49:19.79\00:49:21.82
Do you have a new one?
00:49:22.02\00:49:23.46
You know, the
things that they want to.
00:49:23.86\00:49:25.49
Have you checked to make
sure that all your accounts...
00:49:25.59\00:49:28.33
People start new accounts.
00:49:28.36\00:49:30.00
Are all of your
accounts in your trust?
00:49:30.03\00:49:34.14
So we remind you.
00:49:34.37\00:49:35.87
We're here to facilitate,
and we do remind you.
00:49:35.90\00:49:38.51
And we're not bugging
you, we're only reminding you.
00:49:38.87\00:49:42.64
We want your document to
be what you want it to be.
00:49:42.68\00:49:45.15
~ It's for their own good.
00:49:45.18\00:49:46.51
And Greg, something that I
think you mentioned earlier
00:49:46.55\00:49:49.55
was like with the property
trust, it doesn't have to
00:49:49.58\00:49:52.02
go through probate.
00:49:52.05\00:49:53.39
That's true.
That's a good point.
00:49:53.42\00:49:54.79
Which can be kind of held
up sometimes for quite a while.
00:49:54.82\00:49:57.23
And by the way, don't
forget your stocks and bonds.
00:49:58.13\00:50:00.66
That's another big one.
00:50:01.30\00:50:03.00
And let us know, you
know, what you have on that.
00:50:03.20\00:50:06.23
And also, if you have to
take an IRA distribution,
00:50:06.60\00:50:12.17
call us about
those IRA distributions.
00:50:12.54\00:50:14.91
You can give a gift of whatever
your distribution has to be
00:50:15.08\00:50:18.91
that you have to take out
when you're 70 and a half.
00:50:18.95\00:50:21.45
Call us.
00:50:21.72\00:50:23.05
You can make that as a
direct donation, Mollie,
00:50:23.08\00:50:25.72
to 3ABN and never have
to pay any taxes on it.
00:50:26.19\00:50:30.13
- Save you
money. - That's right.
00:50:30.16\00:50:31.99
You know,
Earlenne, I'm thinking of...
00:50:32.03\00:50:35.30
We're talking about people,
obviously, that has money
00:50:35.73\00:50:40.64
that they need to invest.
00:50:40.67\00:50:42.60
But I'm thinking, oh
Earlenne, I'm thinking about
00:50:42.80\00:50:45.04
the young people, that
their finances are tight.
00:50:45.07\00:50:48.48
And I want you to know, in
our Trust Services department
00:50:48.51\00:50:51.71
you can call Earlenne,
tell her your situation,
00:50:51.75\00:50:55.05
and she will work with
you to get you started.
00:50:55.08\00:50:59.22
Sometimes we just
need to get started,
00:50:59.25\00:51:01.89
and then let God...
00:51:01.92\00:51:04.03
Little is much,
when? God is in it.
00:51:04.06\00:51:07.36
And let God take this
small beginning that you have
00:51:07.40\00:51:11.33
and He will
continue to multiply it.
00:51:11.37\00:51:13.50
It's God's will for your life
00:51:13.54\00:51:16.34
that you be safe
and secure in Him,
00:51:16.37\00:51:18.64
and that He will provide,
supply all of your needs
00:51:18.84\00:51:23.14
according to His riches
and glory through Christ Jesus.
00:51:23.18\00:51:26.18
So we've got this
Trust Services department
00:51:26.21\00:51:29.38
that is willing
and they are educated,
00:51:29.42\00:51:32.55
and they will be so
blessed to have you call them.
00:51:32.59\00:51:35.19
And so, if you
want more information,
00:51:35.22\00:51:38.29
it doesn't matter what...
00:51:38.33\00:51:39.66
We haven't spoken of
all of our documents,
00:51:39.69\00:51:42.36
There's not enough
time on our program.
00:51:42.40\00:51:44.07
No, this is just
the start. Need to call.
00:51:44.10\00:51:46.23
You need to call. And
so here is the information.
00:51:46.27\00:51:49.44
Get your pen and paper.
Write down this information.
00:51:49.47\00:51:52.34
Write us or give us a call.
00:51:52.44\00:51:54.28
To find out more information
on 3ABN's Planned Giving
00:51:55.64\00:51:58.75
and Trust Services,
please give them a call.
00:51:58.78\00:52:01.48
Our friendly staff will be
more than willing to explain
00:52:01.58\00:52:04.65
all the benefits of our
cash trusts, property trusts,
00:52:04.69\00:52:08.36
and annuities.
00:52:08.39\00:52:09.72