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God &Your FinancesPotomac Conference of Seventh-day
AdventistsHugo F. Chinchay, M.B.A.
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Parable of the Talents
Matthew 25:14-30
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Talent
1 Talent = 1K Gold coins
5 Talents = 5K Gold coins
1 Drachma = 1 Day Salary
6,000 Drachmas = 1 Talent
30,000 Drachmas = 5 Talents
19 Years of Salary = 1 Talent
95.24 Years of Salary = 5 Talents
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Talent
1 Talent = $800K (53 Years*)
2 Talents = $1.6M (106 Years*)
5 Talents = $4M (265 Years*)
•(*Minimum Wage)
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“...Well done, my good and faithful servant.
You have been faithful with few things; I will put you in charge of
many things...”Mat. 25:23
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“Thou oughtest therefore to have put
my money to the exchangers, and then at my coming I should have received mine own with usury” Mat.
25:27 KGV
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God is not going to give more than what
you’re capable of handling:
Money, work, responsibilities,
family, etc.
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Stewardship - Commitment
Finances
Goals
Health
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Personal Finances
Do you know how much you spend & how much you invest?
Do you know how much you save?
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Investment or Expense?
Investment
Expense
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Do I need it or want it?
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Cars
Need
Want
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TV’s
Enough
Want
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The ConsumerSystem
Want Need
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Enemy No. 1Debts and Use of Credit Cards
Make you a Slave
“The rich ruleth over the poor, and the borroweris servant to the lender” Prov. 22:7
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Debts destroy Families
Divorce Separation
Fights Stress
Children suffer
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Debts Make You Slave
“The rich rules over the poor, and the
borrower is servant to the lender” Prov. 22:7
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Do you want to be DEBT FREE?Is it Possible?
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Resources to Pay off Debts
Debt #1: $600 with $100 Monthly Payment
Debt paid in 3 months instead of 6 months
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Resources to Pay off Debts
Debt #2: $1,600 with $200 Monthly Payment
Debt paid in 4 months instead of 8 months
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Resources to Pay off Debts
Debt #3: $3,000 with $300 Monthly Payment
Debt paid in 3.3 months instead of 10 months
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Resources to Pay off Debts
Debt #6 (car): $13,000 with $400 Monthly Payment
Debt paid in 8 months instead of 32.5 months
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Summary of Debts
You can be TotallyDEBT FREE
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Do you have a written Budget?
If you spend what you have every month and don’t have for emergencies and vacations then
you don’t have a budget
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What is a Budget?
Budget doesn’t give you more money
Budget organizes you and helps you fund for all of your needs
Budget controls your expending
Budget helps you with your savings
Budget helps you plan in the right direction
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How do you make a realistic budget?
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Budget Step #1Take your bank statement or check register and list all your expenses:
Church, utilities, mortgage, food, car, eating out, cloths, school, medicines, etc.
Make sub-groups like: car, utilities, etc
Identify what is a monthly expense
Use a Miscellaneous line for expenses that are not frequent, but list them here.
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EXPENSESEXPENSESChurch (Tithes & Offerings) $550
Rent - Mortgage (Monthly Payment) $2,000
Food (Monthly Average) $450
Insurance (Monthly Average) $150
Gasoline (Keep your Receipts) $200
Eating Out (Keep it to the Minimum) $550
School (You or Someone at home) $150
Electricity/Gas (Ask for Budget Plans) $210
Trash/Water $100
Telephone (Not land line necessary) $60
Cellular (Family plan/Pre-paid plan) $120
Internet (Plans) $80
Cable TV (Not Needed) $80
Miscelaneous (Repairs/Others) $300
TOTALTOTAL $5,000$5,000
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Budget Step #2
Income Husband & Wife $$
Minus Expenses:ChurchFood
UtilitiesMortgage/Rent
CarClothing
MedicinesSchool, etc.
Left Over
The goal is to spend less than what you earn
to be able to save!
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Budget Step #3Savings
Savings for Education
Savings for Emergencies
Savings for Medical expenses
Savings for Vacations
Savings for big purchases: Car, house, etc
Savings for Retirement (Investments, IRA)
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HOW TO INVEST FOR THE FUTURE
Years $100/m $200/m $300/m $400/m $500/m
10 19,125 38,250 57,375 76,500 95,625
20 68,730 137,460 206,190 274,920 343,650
30 197,393 394,786 592,179 789,572 986,965
40 531,111 1,062,222 1,593,333 2,124,444 2,655,555
50 1,396,690 2,793,380 4,190,070 5,586,760 6,983,450
(Based on 10% average compound return)
401k401k
403b403b
Roth IRARoth IRA
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“The desire to accumulate wealth is
an original affection of our nature, implanted there by our heavenly father for noble ends.”
COS p. 148
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Wealth is not a matter of chance,Wealth is an issue
of choice!
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3 Steps to achieve 10-15% Average Annual Yield
on all your Investments
for life!
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Step 1Take Advantage
of Trends
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Step IIPurchase High-
yielddividend PayingSecurities with
Historyof Appreciation
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Step IIIPurchase Long
TermQUALITY High-Yield
Investment
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You Need a Financial Advisor
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What Is An Estate?
•$$$Money$$$Money$$
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What Is An Estate Plan?
•Choosing When and How You Plan to Give Your Money Away
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Everyone Has a Will
•You Choose Now
Yours OR Government
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Estate Distribution•Only Three Places
Family Church Government
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56 Copyright © 2009 Crescendo Interactive, Inc.
Charitable Annuity Trust
Church$242,342
After two lives, property to Church.
Mary Jones - 77 John Jones - 80
Principal$200,000
Two Lives
6.00% Annuity Trust
Annuity $12,000. Income in 15 years is $180,000.
Property$200,000
Income Tax Deduction $78,873. May Save $19,718.
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57 Copyright © 2009 Crescendo Interactive, Inc.
Give Three Times!
Church$456,627
Remanider to Church
Transfer Property to Trust. Take Income Tax Deduction of $107,415. Pay no Tax on gain.
Property$350,000
Trust$350,000
Income Enhancement Unitrust
Johnny Donor 70 Mary Donor 70
Lifetime Income from trust: $24,500 per year for Two lives. May Increase Annually. Donors may receive $608,158 in 21.8 yrs
$608,158$456,627
$1,064,785Give three times
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58 Copyright © 2009 Crescendo Interactive, Inc.
“Give It Three Times” Trust
Church$576,290
Cost Basis: $100,000
Transfer property title to Trustee. Property is sold from trust. No tax on sale. Bypass capital gain tax. Income tax deduction: $100,120
Asset$400,000
Trust$400,000
Income to Family$500,000
$669,758$576,290
$1,246,048Give Three Times!
After 20 years
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59 Copyright © 2009 Crescendo Interactive, Inc.
Give It Twice Trust
Church$500,000
At Death, Estate assets fund a Testamentary Trust.
Trust is invested. Income is paid out to Family.
Estate$500,000
Trust$500,000
Income to Family$500,000
$500,000$500.000
$1,000,000Give Three Times!
Trust Terminates when Family has received an Amount equal to original Trust Principal
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60 Copyright © 2009 Crescendo Interactive, Inc.
Give Three Times
Church$1,554.986
IRA is transferred to a non-taxable trust at time of death.
Estate Tax Deduction $272,605
No Income Taxes
IRA$1,000,000
Trust
Children ReceiveIncome for 20 Years
$1,616,314
$1,616,314$1,554,986$3,171,300
Give it threeTimes
Deferred Inheritance Unitrust
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61 Copyright © 2009 Crescendo Interactive, Inc.
Give Three Times!
Church$1,832,026
$1,232,000
$1,832,026
$3,062,026
Give Three Times!1. Transfer Property to Trust. Bypass Capital Gains Income Taxes.
2. Take Income Tax Deduction of $347,245
Property$1,000,000
Trust$1,000,000
Joh & Mary Donor both age 75
Living Annuity Trust
Lifetime Income from trust to Donors: $70,000 per year for Two Lives-joint & survivor. Total Income in 17.6 years: $1,232,000
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What are your goals?
Spiritual Education Work
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“The Lord will make you the head, not the tail. If you pay attention
to the commands of the Lord your God that I give you this day and carefully follow them, you will always be at the top, never
at the bottom”
Deuteronomy 28:13
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• 606 Greenville Ave.,
• Staunton, VA. 24401
• (540) 886-0771
• (909) 831-0999 Cell
• Call today to obtain your FREE Estate Planning documents, courtesy of Potomac Conference.
Trust Services Potomac Conference