Business by the Book “Let him that stole steal no more: but rather let him labour, working with his hands the thing which is good, that he may have to give to him that needeth”. –Ephesians 4:28 God provides work so we can have to give.

Business by the Book Laws of Land Must be Obeyed Power is given to God; ordained of God. If we resist the power; resist ordinance of God. “Rulers are not a terror to good works. For he is the minister of God to thee for good.” Romans 13:1-4

Business by the Book All Taxes must be Paid! “Render unto Caesar what’s Caesar.” –Matthew 22:21 “Render therefore to all their dues: tribute to whom tribute is due…” –Romans 13:7

Business by the Book Absolute Honesty A false balance is abomination to the Lord: but a just weight is his delight. –Proverbs 11:1 …he that sweareth to his own hurt, and changeth not. –Psalms 15:4

Business by the Book It is naught, it is naught, saith the buyer: but when he is gone his way, then he boasteth. –Proverbs 20:14 A good deal is a mutually good transaction. God does not bless you at someone else’s expense.

Business by the Book The good you do for others - the Lord will do for you! With good will doing service, as to the Lord, and not to men: knowing that whatsoever good thing any man doeth, the same shall he receive of the Lord, whether he be bond or free. –Ephesians 6:7,8

5 Months or Eternity? Divine veil over charitable tax code. Largest transfer of capital wealth now taking place. Purpose for God sending revival for the United States.

5 Months or Eternity? Change our paradigm about stewardship. Make estate planning spiritual before it becomes mechanical.

5 Months or Eternity? Honour the Lord with the substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine. –Proverbs 3:9,10 A good man leavth an inheritance to his children’s children. –Proverbs 13:22

5 Months or Eternity? Four Reasons Don’t Have Will: 1. Don’t realize we need one. 2. Decisions too difficult. 3. Superstition 4. Procrastination

5 Months or Eternity? Generation Transferring Wealth Gratification- Delayed Divorce- Considered Taboo Risk of Lawsuit- Minor

5 Months or Eternity? Generation Receiving Wealth Gratification- Instant Divorce- 50% Rate Risk of Lawsuit- Major

5 Months or Eternity? Education: The Modern Inheritance 1. Cost of a $40,000 College Education Compounded over 40 year work period at 10%: $1,800,000

5 Months or Eternity? Education: The Modern Inheritance 2. $700 per month Earning Ability Compounded over 40 year work period at 10%: $4,400,000

5 Months or Eternity? Will my (God’s) money be safe with my children? Will my children be safe with my money?

5 Months or Eternity? Passing Wealth: Spiritual Capital (Salvation) Social Capital (Character) Financial Capital (Money)

5 Months or Eternity? How To Get Started Using the Four P’s of Estate Planning: 1. People: Dependency Tradition Love

5 Months or Eternity? 2. Property: What Type How Titled When Purchased Cost Basis Present Value 3. Plans Today Tomorrow

5 Months or Eternity? 4. Planners: Attorney Accountant Life Insurance Agent Trust Officer Investment Adviser Our Involvement

5 Months or Eternity? Why Have a Will? Honor God with substance Tithe Estate Christian Witness Exhort Children Assure Spiritual Guardian

5 Months or Eternity? How to choose a personal representative and trustee: Availability Qualifications Interpersonal Conflicts Bank or Trust Company Role of Family Members

5 Months or Eternity? How to Choose a Guardian for Minor Children: Individuals with No Children Individuals with Two Children Individuals with Older Children Role of Grandparents Lifestyle

5 Months or Eternity? Approximate monthly survivors benefits Age Income Your spouse & 2 children $30,000 $1, $40,000 $2,101 $50,000 $2,303

5 Months or Eternity? Stewardship Exhortation I also encourage my children to remember that everything they have was entrusted to them by God and by faithful obedience to His word they can stand before Him with joy on that day when we give that final accounting.

5 Months or Eternity? Final Act of Faithfulness A Christian’s will could include the following: Christian Witness

5 Months or Eternity? I, (your name) being aware of the uncertainty of this life, have, with full confidence, placed my trust in my Lord and Savior Jesus Christ, in His sacrificial death, burial, and resurrection. By having faith in Him, I have eternal life and can look forward to being united with you, my family and friends. Therefore, I do hereby publish and declare this to be my last will and testament.

5 Months or Eternity? All the Tithe Retirement Funds Real Estate Appreciation $158,000 Balance in 401K fund 21,000 Contributed by Employee 137,000 Not Tithed (gross tithed)

5 Months or Eternity? $250,000 Appraisal on House 190,000 Cost of House 60,000 Appreciation (2 years) 10% Penalty to take from 401K How can the tithe increase? Final Act of Faithfulness...

5 Months or Eternity? Tithe the estate As my final act of obedience and faithfulness to the Lord Jesus Christ I give, devise, and bequest 10% of my gross estate to the Church of God of Prophecy.

5 Months or Eternity? First act of Worship For a testament is of force after men are dead: otherwise it is of no strength at all while the testator liveth. –Hebrews 9:17

5 Months or Eternity? Name Church as Beneficiary Place 10% of estate value into separate account Name church beneficiary or Name church beneficiary of 10% of each account. Protects, Tax advantageous, Noncontestable, Uncontestable

5 Months or Eternity? And I say unto you, Make to yourselves friends of the mammon of unrighteousness; that, when ye fail, they may receive you into everlasting habitations. –Luke 16:9 You may make your greatest gift to the Lord of you life at your death.

5 Months or Eternity? Not because I desire a gift: but I desire fruit that may abound to your account. –Philippians 4:17

5 Months or Eternity? But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal: For where your treasure is, there will your heart be also. –Matthew 6:20, 21

5 Months or Eternity? “$100,000 into Africa will reap a harvest of 50,000 souls.” Randy Howard As my final act of obedience and faithfulness to the Lord Jesus Christ I give, devise, and bequest 10% of my gross estate to the Church of God of Prophecy……….

5 Months or Eternity Jan Couch (423) Fax (423) P.O. Box 2910 Cleveland, TN