Don Hawkins: Roxanne Intermuel of his faithful stewards joins us tonight
>> Don Hawkins: just ahead on Encouragement Live, as believers, we're entrusted with the task of revealing God's kingdom on earth, where stewards of his gospel message and his kingdom. Roxanne Intermuel of his faithful stewards joins us for Encouragement Live.
>> Steve: Welcome to Encouragement Live, providing biblically based encouragement and insight on a wide range of practical life issues. Now, here's your host, Don Hawkins, author of Master Discipleship Today.
>> Don Hawkins: Thank you, Steve and friend. It's so good to have you with us. As live from studios located in First Christian Church of Wylie, Texas, Encouragement Communications presents Encouragement Live. Our mission is to provide biblically based encouragement and insight on a wide range of topics. Joining me tonight again is Roxanne Intermule of his faithful stewards dot com. Roxanne, is a regular on our program and talking to us again about a subject that's close to the heart of God and that is stewardship, stewarding God's kingdom. Roxanne, great to have you back on the show.
>> Jane: Well, thanks. It's great to be here, Don.
>> Don Hawkins: And, let me remind our listeners, at the very beginning of our show, you can schedule a free time to talk with Roxanne on her website, his Faithful Stewards.com. just follow the links on the website to set up a good time to talk. Or you can call her office to set a time. The link to schedule and the phone number are at his faithful stewards dot com. Again, that's his faithful stewards dot com. And by the way, Roxanne, we had a group of our people at the church today for a garage sale, and one of those people is planning on calling you on Monday, setting up a time to talk with you. So always, always good that folks, want to talk with Roxanne.
>> Jane: Oh, yeah, it's always great to talk with folks.
>> Don Hawkins: It is indeed. And by the way, we'll be telling you about a free webinar. one of those will be on Wednesday, May 7, another one on Wednesday, May 21. We'll give you the details on those.
His faithful stewards talk about being good stewards of God's kingdom
But Roxanne, give us a little background on his faithful stewards. I assume because of that you think a lot about the topic of stewardship, and in your business you're dealing with issues of financial stewardship. Have you thought much about this subject, specifically stewarding the kingdom of God to our broken world?
>> Jane: yeah, actually, I have. I mean, that's a topic that's really pretty close to my heart, especially in this day where there's so much strife. I mean, my heart's really heavy and really grieved over the divisions in our country. I keep praying that all believers will take to heart our call to steward God's kingdom as the most important thing we do on earth. I mean, we have to keep the most important thing, the most important thing in everything we do.
>> Don Hawkins: Seems like I remember hearing somebody say, the main thing is to make the main thing the main thing. So what do you think are the important things to remember when we're thinking about being stewards of God's message and of God's kingdom?
>> Jane: Well, I think we have to start with one of the most foundational pieces of our faith. I mean, during Jesus last supper with his disciples, he gave them clear instructions on how we're to live in the world. In John 13:34, Jesus told them, love one another. As I have loved you, so you must love one another. And by this, all men will know that you're my disciples if you love one another. And that's the kingdom that we're stewards of. And sitting at his table was a former tax collector and a zealot. Their political opinions were likely way far apart. Jesus called them to love each other.
>> Don Hawkins: Wow. You know, that would be a lot like today, you're, sitting, with somebody who is an absolute conservative and somebody who's an absolute radical liberal sitting at the table together, and Jesus is telling him to love one another. Now, I think John took this a little further. In First John, chapter four, verses seven and eight, he said, everyone who loves has been born of God and knows God. And whoever doesn't love does not know God because God is love. So I think you would probably say that love is an important part of stewardship, correct?
>> Jane: Yeah, I agree completely. God's kingdom is characterized by love. And to be good stewards of his kingdom and his message, our character must demonstrate that love.
>> Don Hawkins: Once again. Glad to have you on encouragement. Live our toll free number 855-586-5433. You can check out the details on the upcoming free webinars or schedule a time to talk with Roxanne by going to the website his faithful stewards dot com. we'll be right back.
>> Steve: We are 100 years old.
>> Don Hawkins: Dallas Theological Seminary President Dr. Mark Yarbrough on the seminary's motto, teach truth, love. Well, that is what we do. That's our slogan that we use.
>> Jane: Obviously, it's preach the word for all of us. We are called to teach truth and live it out.
>> Don Hawkins: To learn more about how Dallas Theological Seminary can equip you for biblically based Christian service, visit DTS Edu. That's dts, Edu.
>> Steve: Are you looking for family friendly television or biblical studies with informative programming? Let me introduce you to Crossflix. From children's cartoons to in depth studies to inspiring music, Crossflix is an ever growing community of broadcasting developed for the family. Now available for Roku, Apple TV, Firestick, Apple iOS and Chromecast. Search through our on demand library with a free trial. Crossflix, Entertain, Educate, Inspire.
His Faithful Stewards is hosting a free webinar on stewardship
>> Don Hawkins: We are back on Encouragement Live. I'm Don Hawkins. Roxanne Intermuel of his faithful stewards.com is with me and they are hosting a free webinar about will, awareness and living trusts. That's going to be happening at 5pm on Wednesday, May 7. That's coming up, this next week and Also on Wednesday, May 21st at noon, Central time. Those times are. You can sign up on that website under the webinar tab. The website is His Faithful Stewards dot com. That's His Faithful Stewards dot com. We're talking about stewarding God's kingdom. And Roxanne, you focused our attention on the subject of love, on this, issue. By the way, I'm getting a little bit of the sound in the background, on you there. And I'm wondering if maybe your headphones are leaking into your, microphone there, if that's possible.
>> Jane: I don't actually have any headphones. I can block out background music, but I mean, black background noise, but there isn't any here. Okay, I went ahead and did that to see if that helped.
>> Don Hawkins: Yep, I think that definitely did away with it. So we will double check on that.
How can we steward God's message of love and unity in today's climate
Now. There are a lot of things happening in our culture right now that divide people and undermine love. So how can we steward God's message of love and unity in a world that's so divided today?
>> Jane: Well, that can be kind of a loaded question, I think. I've never seen people in this country more passionate about political parties, political issues and political candidates than they are today. I mean, it reminds me of Jesus Day and the feelings that most Jews had towards the Roman Empire. I mean, they were passionately awaiting a Messiah that was going to free them from their Roman tyranny. They hated the Roman Empire. And when Jesus came with a message of love, forgiveness and grace instead of political liber, it made their leaders really angry. And while the Jewish leaders were passionate about the Messiah restoring Israel to a political power under God, Jesus brought a message that wasn't political. So we have to remember, to Keep the most important thing as the most important thing, and that is Jesus and loving others. Jesus talked about the kingdom of God being built in people's hearts. And we see that evidenced by love that's lived out.
>> Don Hawkins: You know, that reminds me of the times that Jesus was asked, what is the great commandment? And ultimately he said there are two great commandments. Love God with all your heart and soul and mind and strength, and love your neighbor as yourself. Now, I guess the way to steward God's message in God's kingdom would be to live like Jesus. In fact, in first John 2, 6, John said, whoever claims to live in him must walk the way Jesus did. Talk about how that would look in today's climate, if you will.
>> Jane: Sure. I think we have to start by focusing on how Jesus lived. I mean, Jesus was always focused on serving others. He loved, he healed, he taught, and he valued people. I mean, the only record we have of Jesus ever being harsh is when he was dealing with those who were supposed to be bringing people to God and instead they were driving people away and making it really hard to access God by adding more and more rules. I mean, if we're going to live like Jesus, we need his spirit to shine his love through our hearts. It's easy to love those who agree with us and it's much more challenging to love those who don't agree with us. But that's what Jesus did. And stewarding his kingdom means that we're going to live like him. Even on the cross, he was forgiving those who had driven nails into his body.
Crossflix helps support American and Israeli military veterans suffering from trauma
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>> Dr. Rex Rogers: You'll have access to your own community and join others on their spiritual journey. You may join as an individual or as a church and develop connections like never before.
>> Don Hawkins: Crossflix has partnered with the Seal Future foundation and Blessil to support brave American and Israeli military veterans and their families suffering from trauma. The relationship between the US and Israel is a long standing one of strength and divine connection and one that must continue to be nurtured.
>> Dr. Rex Rogers: When you join crossflix, you'll see firsthand the amazing work you'll help support, providing encouragement and hope to American and Israeli veterans and families.
>> Don Hawkins: Crossflix.com educate, entertain and inspire.
>> Jane: SAT 7 is satellite Christian television.
>> Dr. Rex Rogers: Dr. Rex Rogers, President of SAT 7.
>> Jane: We broadcast throughout the Middle east and North Africa every day 24. 7 in Arabic, Farsi and Turkish. Farsi is Iran. So we're speaking in the people's home and heart language. We're sharing the gospel.
>> Dr. Rex Rogers: To learn more or support this ministry, visit sat7usa.org that's S A T the number 7usa.org Toni King on her book.
>> Don Hawkins: The Maze of Medicare.
>> Toni King: I looked up on the Internet how many books have biblical in regards to Medicare and there was zero. And then God brought you into my life and you helped me write the Maze of Medicare because we took Medicare and put scripture with it because people are stressed, they don't know what to do, where to turn.
>> Don Hawkins: You can order the Maze of medicare@, TonySays.com that's T O N I Tony says dot com.
Don Hawkins with Roxanne Intermuel on stewarding God's kingdom
We're back on Encouragement Live. I'm Don Hawkins with Roxanne Intermuel of his faithful stewards.com and again, you can schedule an appointment to talk with her if you'd like to, about, things financial and that does not cost you anything. Also, she will keep that in confidence. You can check the links on the website to set up a time to talk with her or just call the office to set a time. The link to schedule and the phone number can be found at his faithful stewards.com Again, that's his faithful stewards.com Roxanne, we're talking about stewarding God's kingdom. you have really focused our attention on God calling for unity and the Lord Jesus specifically calling for unity among his followers. I think about John 17 at the last Supper. He prayed that all the believers would be one. talk about how believers with differing opinions today can be won in a world that's increasingly more divided.
>> Jane: Well, I think the first step is humility. I mean, there's so much information, misinformation and opinions flying around. but we have to remember that God doesn't belong to a political party. And though there are issues that are near and dear to God's heart, the unity of his people is one of God's top priorities. Stewarding God's message means we're calling for unity around Christ, not around our positions. I mean, we need to be doing everything that we can to calm the divides in this country and not stoking the flames of division. I mean, it's okay to feel passionate about our positions, but our passion for Jesus and His priorities needs to be our driver.
>> Don Hawkins: You talked about humility. How would humility soften the lines of division around us?
>> Jane: Well, if I'm humble enough to know that I could be wrong and to accept that I don't know everything, I mean, it opens the way for me to hear others. It is possible that someone else might know something that I don't. You know, that I don't know.
>> Don Hawkins: Far fetched, I know, but yes, absolutely. Yeah.
>> Jane: So if someone comes to me with a very different opinion than mine, I can have a respectful dialogue with them. If I'm not humble and I believe that my sources of information are always right and that I know all that there is to know about something, then I can never find unity with someone who disagrees with me. Being in unity is being humble. And being humble actually doesn't mean that we agree, and it doesn't mean that we always vote the same. But being in unity comes when we find the common ground of putting Christ and his priorities first and making love more important than being right. Then we can respect and honor the brothers or sisters that don't agree with us. Then we can demonstrate the unity to the world that Jesus prayed for at the Last Supper.
>> Don Hawkins: And wouldn't that be a wonderful thing if we saw that happening? We're talking tonight about stewarding God's kingdom. And certainly promoting the unity of the Spirit in the bond of peace doesn't mean we don't have convictions. But we have learned, and we talked about this with Rex Rogers, that in essentials, we have clarity. In non essentials, we have unity. And in all things, we have charity, we have love, and we certainly hit those passages of Scripture. I love how last week's program and this week really dove together. And do you think there's some, other practical things that we can do that would help us be more humble and more able to live in unity with others?
>> Jane: yeah. in Romans 12:2, it says, do not conform any longer to the pattern of this world, but be transformed by the renewing of your mind. So we really have to look hard at the things that we're putting into our minds. How are we stewarding our minds and our hearts in a way that differs from the world? Are we feeding our minds with things that challenge us to love and unity and to making God's kingdom evident on earth? Are we listening to things that stoke greater division? are we putting things into our minds that call us to God's priorities? I mean, honoring his moral principles is important, but if we aren't doing that in love and humility. There's something wrong.
>> Don Hawkins: Very important reminder there. I would agree. There is definitely something wrong there. By the way, Roxanne and his faithful stewards are hosting a free webinar about will awareness and living trust. There actually will be two of those webinars. One of them is at 5:00pm this coming Wednesday, May 7th, and again on Wednesday, May 21st. the one at 5:00pm this coming Wednesday. the other one is at noon Central time. Both of those central time. And you can sign up on the website. all of us in a sense ought to have a will, or we may want to have a living trust. You may want to find out about that and some of the benefits. and Roxanne, I believe there is no charge for these webinars, correct?
>> Jane: No, there's no charge.
>> Don Hawkins: Very important to remember that. So feel free to go to the website his faithful stewards.com if you'd like to sign up, you can go to the webinar tab. And if you'd like to schedule a time, to talk personally one on one with Roxanne, she is glad to do that. And again, no charge for that. there is a link, link to schedule time and a telephone number if you'd prefer to call that number. And they're both on the website his faithful stewards.com and by the way, if you're like a lot of grandparents I know, and you have trouble going to a website, you can always enlist one of your grandchildren, right, Roxanne?
>> Jane: Yep.
>> Don Hawkins: And they'll get you right to his faithful stewards dot com.
Do we need to compromise biblical moral standards in order to achieve unity
Now, here's a question I think we need to think about. do you think we need to compromise biblical moral standards in order to achieve unity?
>> Jane: No, not at all. we need to stand behind things that can restore God's standard to our world, but without, let's just say without throwing the baby out with a bathwater, so to speak. When we bring God's standards like a club and we present them like the gospel is all about correcting behavior, we've missed Jesus and his kingdom values. When Jesus spoke to the woman at the well in John 5, he loved her and broke down the barriers that she tried to erect. And when she tried to bring up issues that divided, you know, that were division, that caused division between the Samaritans and the Jews, Jesus drew her to common ground to draw her near to himself. And as a result, she became one of Jesus first missionaries and brought many to him. I mean, he didn't condone her moral choices. He just didn't allow them to drive a wedge. And he loved the person first, not her choices.
>> Don Hawkins: Well, I think that's a great, lesson for us. Think about the Samaritan woman, and the chapter before her was Nicodemus. two very different people. But in both of those cases, Jesus took that approach. You, know, the apostle Paul said, speak the truth in love. That's, in Ephesians 4:15. I think that's really what we're talking about here.
Matthew 25 talks about stewardship of our financial resources
Now, we've been talking about being stewards of God's kingdom and the gospel. We also talked about being stewards of our hearts and minds. Wonder if we could shift gears a little bit here and talk about stewarding our financial resources and what you're doing to help people with that.
>> Jane: sure. I always like to start in Matthew 25 with a parable of the servants who had been entrusted with different amounts of their master's money before he went away on a trip. One received five talents, one received two, and the last received one. And when he was gone, the servant who had received the five talents put his money to work and earned five more. The second servant, who had been given two, doubled his money to two, you know, to four talents. But then the last one buried that money in the ground to be sure it wouldn't be lost.
>> Don Hawkins: Think, there's a money market in the ground where you can earn any interest at all. I always think this parable is interesting since it starts off by making the point that the talents belong to the master. They didn't belong to the individual servants. They were entrusted with those talents. isn't that an important part of financial stewardship?
>> Jane: Yeah, I mean, we don't really own anything. I mean, what we have is on loan to us from God. We're not taking it with us when we leave this world. I mean, ultimately, it all belongs to our master, and we're called to accomplish his priorities with the resources he entrusts to us. And in the second principle, we can observe from the parable, is that the master was very pleased with the servants who put their money to work. The first two servants doubled the money, and the master said that they were good and faithful servants. And as a result, the master trusted them with even more and invited them to share in the rewards.
>> Don Hawkins: Very good reminder. Now, that last service, for some reason decided not to grow his money. He buried it in the ground, hid it in a hole. what can we learn about stewardship? From him.
>> Jane: Well, when I look at, that third servant, I see someone who's functioning in fear, not in faith. And as a result, the Master was really displeased and took back the one talent that he had entrusted to him. So the third principle of stewardship is that we cannot practice from a place of fear. We need to take our action from a place of faith and do our best. Our faith, faith must be in the Master who has entrusted the resources to us.
>> Don Hawkins: and it seems to me that with the ups and downs of the market these days and, all kinds of uncertainties and talk about tariffs and that kind of thing, a lot of people have been operating on the subject of fear. Wouldn't you agree?
>> Jane: I would agree, yes.
>> Don Hawkins: Yeah, a lot of that.
Roxanne and his faithful stewards have free webinars about will awareness
By the way, again, at the very beginning of the show, I mentioned the fact that you can schedule a free time to talk with Roxanne about her, website, his Faithful Stewards.com. that's where you go to schedule that time. You follow the links on the website to set up a good time for you to talk and one that fits her schedule or you can call her office to set a time. The links to schedule and the phone number are both located at his faithful stewards.com and again, Roxanne and his faithful stewards have that free webinar about will awareness and living trust. Maybe you, you haven't gotten around to, making a will. Maybe you're a little bit younger or maybe you're up in years and you still haven't gotten around to it. Or maybe you have a will, but you'd like to find out more about living trust and if there's some benefit for you. The first of those webinars is at 5:00, Central Time on Wednesday, May 7th. That's this coming Wednesday. And again, the Same webinar, Wednesday, May 21 at noon Central time. You can schedule for either one of those. And by the way, there is no cost for those. There's no obligation. Roxanne, is not going to reach through the, the screen and twist your arm to purchase anything. But you'll learn a lot about living trust. You'll learn a lot about will awareness. You can sign up under the webinar tab at his faithful stewards.com that's his faithful stewards.com.
Roxanne Intermuel: The stock market seems like gambling to me
well, Roxanne, as we come to the midpoint in our program, this is a good place in a nutshell to look at that first principle. Everything that we have has been entrusted to us the second principle, we're expected to put those resources that God gives us to work. And I believe the third principle that you pointed out is that we shouldn't act from fear. Instead we're to act in faith. With those principles in mind. How do you work with people?
>> Jane: Well, first I help people to take an inventory of what God's entrusted to them. Then we do our best to assess their goals and needs for the future years. And since we know of growth resources that have been historically averaging 8 to 13% with no risk of loss, we encourage people to. I'm sorry. We encourage people to put their money in safe places instead of the stock market where it can be lost. So the stock market seems a lot more like gambling, to me, especially in today's volatile world.
>> Don Hawkins: Boy, no question about that. You know, sometimes people think the market is always going to rebound and certainly we have seen, seen a market rebound since the announcement of the the tariffs in our country. And people think they'll make up for their losses. I want to come back at the after this mid break and talk about that because I think that is a very common misconception, Roxanne, that a lot of people have. So we're going to explore that. The music tells us it is time for us to take a break. Roxanne Intermuel can be contacted at his faithful stewards.com that's his faithful stewards.com. if you have a question you'd like to ask on the air, the toll free number is 855-586-5433. We'll be right back.
Free webinar will discuss wills and trusts after you pass away
>> Steve: There are only two ways that your affairs will be settled after you pass away. Your way or the government's way. For anyone without a will or trust in place, the government will settle it through probate. So we must all ask ourselves, do I want the government to decide how my minor children get their inheritance and where my assets go and then charge my heirs probate and court fees to make that happen, or do I want to protect my family from probate and steward the resources that God has entrusted to me by determining how the assets that I leave behind will be used? Find out what you need to know and do to protect your heirs at ah, a free webinar with his faithful steward. This free webinar will discuss wills and trusts and help you understand it all. Go to hisfaithfulstewards.com and find the link for webinars. There's a place there under webinars where you can sign up that's hisfaithfulstewards.com and the link to webinars his faithful stewards.com.
>> Dr. Rex Rogers: When you need to consider independent or assisted living or memory care for a parent or spouse, Restoration Senior Living provides a distinctly Christian setting with the most stringent quality care. Restoration's innovative program addresses the medical, emotional and spiritual dimensions leading to an enhanced quality of life. You can learn more@, restorationsl.com that's.
>> Steve: Restorationsl.Com for over 30 years, Don Hawkins has provided radio encouragement with a variety of gifted guests. Now you can be encouraged by these interviews with guests like Greg and Erin smolley, Dan Cathy, Dr. Frank Minrith, Josh McDowell, and more. Subscribe to the weekly encouragement for your podcast dropping Wednesdays@lifeaudio.com or at your favorite podcast app.
Don Hawkins: Many people think the stock market will always rebound
>> Steve: Welcome back to Encouragement Live. Our toll free number is 855-586-LIFE. Here again is your host, Don Hawkins, author of Master Discipleship.
>> Don Hawkins: Today we are talking tonight about stewarding God's kingdom. We've talked about stewarding the unity of the Spirit in the bond of peace. We're also talking now about stewarding our financial resources and, the fact that sometimes we tend to operate on the basis of fear and not of faith. And, Roxanne, I mentioned before we went to the break that a lot of people think the market will always rebound and they'll be able to make up for their losses. Now, I've heard you tell us before that it doesn't quite work out the way most people think. Explain that, if you will.
>> Jane: Well, it kind of depends on how long you have to wait for it to rebound. I mean, let me give you this example. If someone invested 100,000 in the stock market, and then it takes a 50% drop, they now have 50,000.
>> Steve: Right?
>> Jane: So let's say that, you know, the market's still not doing well and it drops another 50% again the next year. And so now they have 25,000. But then let's say the market rallies really, really strong the next year and it gains 100%. Everything goes up 100%, it doubles. How much will this person have from their investment?
>> Don Hawkins: I would guess that that would be $50,000, which is about half of what they started with.
>> Jane: exactly. And that's my point. The market lost 50% of the person's investment twice. But when the market doubled in growth and gained 100%, the person still halfway back to where they started. It takes twice as long to make up for the losses. And market investments have no guarantees that they won't continue downward.
>> Don Hawkins: And it seems to me very, speculative to think that you're going to have two years in a row with 100% growth in the market after two years in a row of 100% losses, wouldn't you think?
>> Jane: Yeah, there are 50% losses. Yeah, right.
>> Don Hawkins: Yeah, 50% losses. Yeah. It sounds like the risk could be even higher for people nearing retirement. would you say that's the case?
>> Jane: absolutely. I mean, when the stock market isn't doing well, people who are nearing requirement can lose a lot. In fact, they probably have the most to lose. I mean, recently I worked with a family who wanted their money out of the stock market and away from risk. And, in only the few weeks it took for us to get their money moved, they lost nearly $10,000. It had taken some time for them to save that 10,000, and it was really painful for them to see that loss.
>> Don Hawkins: So if people have their money in the stock market, do they need to, wait until it goes back up before they move their money, or what do you think?
>> Jane: Well, no one knows how long the market will go downward or how far down it's going to go before it starts to rebound. I mean, if people wait around hoping for a rebound of the market before moving their money to a safe place, they can lose even more before things get better. So it could be years before they even get back to where they started. Even when the market is in an upward trend, there's still an element of volatility, and it still goes up and down. So if a person can earn a respectable return and not have their money at risk, it often outperforms the market over time. I mean, waiting for the market to rebound before moving money is like waiting to go to the doctor until you get well and you are not sick anymore.
>> Don Hawkins: Boy, that's a great analogy, I think. Helps us to understand, you know, what we're talking about here. you know, when you catch the flu or. Or the cold or. Covid, you don't say, well, I'm going to go to the doctor, but I'm going to wait till I'm well. that does not make a lot of sense, Roxanne.
There's been a lot of financial people talking about the possibility of a recession
There. There's been a lot of financial people talking about the possibility of a recession hitting sometime this year. And the R word brings a lot of that fear that you were talking about, earlier in the broadcast. Does, do you think this makes it more urgent? Urgent for people to get their money out of the market into something where they won't lose more money?
>> Jane: yes, personally, I do. If we look back at the records of various stock market accounts through previous recessions, we see index products holding much stronger. Index products are guaranteed to not lose during the downturns and recessions, but they track alongside the market for growth in the good years. Granted, they need to be in a good product with a strong index without caps on the earnings. But these products don't have to make up for losses when things improve. So they just go back to growing rather than playing catch up from losses. And that's why these good ones can so outperform the market.
>> Don Hawkins: Toll free. Number 855-586-5433. And I believe we have Lynna on the line from Ohio. Go ahead, Lynna. You're on the air with Roxanne.
>> Speaker G: Yes, thanks for taking my call. I've been trying to get a HAL of her, but the only problem is I do not have a computer. And, my problem is I'm. I'll be 79 January 2nd. And I need a will done. A simple will. I, have one child. My husband passed away in 2020 from COVID And, I need a will will made. And I wanted to talk with her to see if I could have her do a will and get the details of that. I could give her the details, but find out what I need to do.
>> Don Hawkins: Well, you know, Glenda or Lynn, I think I have an answer to your problem. I have your telephone number in front of me, because we've connected up with you, and I can give your number directly to Roxanne and, she could get back with you. Roxanne, Would that work for you?
>> Jane: That would be fine. Yes. I would be happy to call her back.
>> Don Hawkins: Yeah. And. And, this is something that you do quite often, right, Roxanne?
>> Jane: Yes. And I do work with other people as well that don't have computers, so.
>> Don Hawkins: Yeah. So you will not be her first client without a computer. And we just want you to know.
>> Speaker G: Well, I figured that. But you know how it is today in the world we live in.
>> Don Hawkins: Yes. The world we live in. Everybody has a smartphone. And usually the smartphone is smarter than the people are. And at, least my smartphone is smarter than I am because I usually can't figure it out.
>> Speaker G: My husband died. Everyone kept saying, you need a cell phone. And I kept telling everyone, I don't want a cell phone. but I finally did break down and get one.
>> Don Hawkins: All right. I just, I have your. You're in the 740-area-code. Correct? Correct.
>> Speaker G: Yes, sir.
>> Don Hawkins: Okay. Just making sure. I want us to pray with you and I'm so glad you called tonight because we were able to give you a direct answer and, and link you up with Roxanne, on the program. And then she'll get back with you the first part of next week. Is that okay?
>> Speaker G: It sounds great. I, I, this has just been such a blessing because it's really been a weight on my mind. It takes a lot of, of me.
>> Don Hawkins: Well, we especially want to reach out to widows, to those who've lost their spouses and husbands and what, an important thing. And it's a great part of ministry. And Roxanne, I know, that's something you delight in doing. So let me pray. Father, I pray for Lynn. I thank you that you have motivated her to call us, to get this will taken care of so that she will be a good steward of the resources you've entrusted to her, Lord, as she grieves the loss of her husband. Give her special grace and encouragement. I pray. I thank you for the privilege, Lord, that we have of, reaching out to her at this point and that Roxanne will be able to talk with her about this. And I pray this for your glory in Jesus name. Amen. Roxanne, I wonder if you have just a word of encouragement, a Bible verse or something you'd like to share with Lena.
>> Jane: you know, I think of the verse in Isaiah that says, and I can't think of the exact words, but it's talking about as the waters come, as things start to overflow, you will not be overflowed because he will be with you.
>> Don Hawkins: Yeah, that's a great reminder. And that's a wonderful, wonderful book. Thank you for calling us tonight, Linda. We're so glad to hear from you.
>> Speaker G: Thank you and God bless you guys.
>> Don Hawkins: Thank you. You as well. Bye bye. 8 5, 5, 5, 8 6, 5, 4, 3 3. If we can be of help to you as we've been to Atlanta, we certainly want to be.
You work with specialty trusts that can save a lot in taxes
Roxanne, I know you help people get their money out of risk, but where it still grows. Well, talk about some of the other things that you are doing to help people steward their money.
>> Jane: Well, another principle of good stewardship is to give generously to the kingdom causes. And one of the things that helps our clients free up more funds for kingdom causes is through our specialty trusts. our trust can legally eliminate taxes on capital gains, royalties and any kind of passive income. additionally, for those who are self employed with good tax Preparation. Our trust can reduce their self employment taxes by over 90%. this means that instead of spending a big chunk of their income and sending it off to Uncle Sam, they can make generous donations to organizations that promote Jesus, that promote his kingdom priorities, and they can decide how much and who to give it to.
>> Don Hawkins: That sounds like your particular version of Doge, where you're cutting out some of the waste, fraud and abuse in the government that we're supporting. maybe that's not a good way to put it, but I thought I'd drop that in there anyway. Now, can people get trusts like these from their usual attorney or their accountant?
>> Jane: Well, it's pretty unlikely. I mean these Trusts are over 75 years old. Thousands of people have used them and they've been copyrighted for about 30 years, making them only available through the legal firm that created them. So many people are not aware of their existence, including most other attorneys and accountants. And people don't realize that when you ask an attorney or an accountant about a product that they're unfamiliar with and which they can't sell and service, they're likely going to steer people away from it. You're basically asking them to comment on the competition without really knowing what they're talking about. So they will say things designed to keep their clients and to avoid liability for something that they're not knowledgeable about.
>> Don Hawkins: Well, and that makes good sense. If they have never heard of those particular instruments, they're not likely to say anything positive about those things. They're likely to say, wait a minute, I'm familiar with plan B. Let me recommend that you go to plan B rather than looking at these opportunities now. Ah, now you particularly pointed out that these tax saving trusts can really help people with self employment taxes and passive income taxes and people in certain tax category. Usually in that category. Can they actually help somebody who's employed and earning W2 income?
>> Jane: Well, not as much. I mean if they're high income earners, this is a trust that can help reduce some of the taxes of high income earners. If they partner with a nonprofit ministry, that type of partnership can benefit both the nonprofit and the highway journer. But the tax saving is, isn't as dramatic as it is for self employed folks and investors.
>> Don Hawkins: Appreciate your pointing that out. Now you work with specialty trusts that can save a lot in taxes. You help people grow money in a safe place where it's not at risk, but it earns strong interest. Anything else you're working with to help people, in fact, I want to get you to hold that question because I have asked you I've committed the unpardonable sin for radio host. I've asked you a question you won't have time to answer. So hold that thought. I'll come right back to it. Let me remind our listening family, that you do have a free webinar on Will Awareness and Living Trust. It is happening at 5pm this coming Wednesday. May 7th will also take place again the same webinar May 21st to Wednesday also at noon Central time time. There is no charge for these webinars. You can learn about Will awareness, you can learn about Living Trust and you can sign up on the website his faithful stewards.com again that's his faithful stewards.com that's also the place where you can schedule a time to talk with Roxanne just like Elaine is going to be doing and others are doing. And you can do that at his faithful faithful stewards.com and we'll be right back with more of our program right after this.
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The older people grow, the more important it is that they have savings
>> Jane: the older people grow, the more important it is that they have savings that are not at risk in the stock market.
>> Don Hawkins: Here's an important warning from Roxanne Endermule of his faithful stewards.com I've seen many.
>> Jane: People in their 50s that have all their savings still in a 401k or some other market based account that is fully at risk of loss.
>> Don Hawkins: Roxanne and her team offer practical financial counsel to people from all age groups.
>> Jane: It could be that they need to start saving for the future in retirement, or maybe they've already done those things and they just need to be good managers of what God's given them and get their money to where it can grow well, but won't be at risk of loss in the stock market market. Or maybe they need to get a will or a trust in place to protect their family from the cost and stresses of probate.
>> Don Hawkins: You can schedule a free and confidential time to talk with Roxanne at her website, his faithful stewards.com just follow the links on the website to set a good time to talk or you may call the office to set a time. That's his faithful stewards.com foreign encouragement live.
Two out of every three people will need long term care at some point
And I was just about to ask Roxanne Intermuel of his faithful stewards.com to explain some of the other things that she is doing. Roxanne, you're working with these specialty trusts that save a lot in taxes for people of high, income, high revenue, and you help people of any income level grow money in a safe place where it's not at risk, but it earns a strong interest rate. What are some of the other things that you do to help people be good stewards?
>> Jane: Sure, I mean, we do several other things, but I, think first of, two statistics show that two out of every three people who live past the age of 65 years of age are going to need long term care at some point in the future. and that doesn't necessarily mean a full fledged nursing home, but it means there's going to need to be care and support. And so we've looked for a reasonable way for people to prepare for this need without it costing them a ton of money. I mean, traditionally people have purchased long term care insurance, though it is getting harder to find that. but those policies tend to be really restrictive in their scope of coverage. they have a lot of limitations about what they'll pay for. They have high premiums and the premiums are actually all lost if the person never needs long term care. I mean it's like car insurance. If you never need to use it, you've lost all the money that you've paid for coverage. So I'm not really very fond of that path.
>> Don Hawkins: Now I know that long term care can be a real concern for a lot of people who are growing older, as many of us are. In fact, all of us are, tell you the truth. so is there a better option for protection than that kind of insurance, like long term care insurance?
>> Jane: Yes, actually, yes, there are indexed annuities that have been created to protect people from the cost of long term care if they should need it. With these annuities, the client retains the decision over how the money is spent and what they want to pay for. And if they never need long term care, they don't lose their money. Now the growth on these accounts isn't especially strong, but they provide protection if someone should need long term care without them losing any of that money that they've put into it.
>> Don Hawkins: That does sound like a good option for people to look into.
Part of a strong financial plan for the future needs to include estate planning
What are some of the other things that your company does to help people again with their money in terms of stewardship?
>> Jane: Well, part of the strong financial plan for the future needs to include estate planning. Some people think that the estate planning is just for the wealthy, but that simply is not true at all. It's just making basic plans for what you want to happen to your assets when God calls you to Home Depot. I mean, if a person dies without a plan, the government already has a plan that will determine where their assets go and everything will go to probate. Also, if a person has only a will, their heirs will also have to deal with the probate to settle their estate. With all the costs and stress involved on that, many people don't realize that their heirs will have to pay all the attorney court and excess fees to settle their estate before a dime is released if, if they, you know, if all they have is a will. Many estates that are trusted to wills never settle because the heirs are unable to pay all the costs to get things settled in court and again to get the assets released. So his faithful stewards offers a cost saving option to help our clients with estate planning.
>> Don Hawkins: I suspect that this is part of what you're going to talk about at your upcoming webinar. and you'll be discussing. I, think the topic is will awareness and living Trust. And I think you'll get into some of the details of that. Is that correct?
>> Jane: That is correct.
>> Don Hawkins: Good to know.
Will Awareness and Living Trust will host a free webinar on life insurance
All right, that Will Awareness and Living Trust is the title for the upcoming free webinar. Keep in mind, no charge, and no obligation. It's happening at 5:00 Wednesday this coming Wednesday, May 7th. and also on Wednesday, May 21st at, at noon Central time. And there is a place to sign up a tab on the website, his faithful stewards.com that's also the place where you can schedule an appointment to talk one on one with Roxanne about your specific situation. And many people have done that and secured information that again is, there's no charge for that, no obligation. But you can schedule a time on the website. His faithful stewards.com Now, Roxanne, on some previous programs, you've talked about the importance of families having life insurance, especially younger families, families with children at home. What makes life insurance so important for these families?
>> Jane: Well, most families are pretty dependent. especially younger families are pretty dependent on the income that is brought in by one or both parents, in order to be able to pay their bills and just be prepared for the future. If something unexpected should happen to one of the parents, what funds will the other one need to maintain their home and their standard of life? if there isn't enough money in reserve for the family to keep their home and keep living, you know, if one of the parents passes unexpectedly, then they need life insurance to protect their family. I, knew a young family with two young daughters that opted to skip life, and she thinking that it wasn't necessary since they were young. But two weeks later, the husband was killed in an auto accident and the family lost nearly everything. If he had taken out life insurance, their daughters would have only had to deal with the loss of their father. But since he didn't, they not only lost their dad, but their home, their current schools, their friends, and everything that was familiar to them. They had to move in with relatives in another state.
>> Don Hawkins: Wow, what a frightening thought for something like this to happen. Now, when somebody schedules a free appointment with you, what can they expect to happen?
>> Jane: Well, our goal is to help people put together a plan that honors God and uses the provisions that God's gifted that person to fund their future. we want to get a feel for our clients goals and their risk tolerance before we start thinking about plans. then we look for ways to help them achieve their goals. But our first conversation centers around those just getting to know them, really. I mean, we have to look at everything that they currently have in place and then look for ways to fill any gaps or help them accomplish their goals.
You mentioned several principles around financial stewardship
>> Don Hawkins: Now, we've been talking about, basically, tonight, the subject of stewardship, stewarding God's kingdom. And, you mentioned several principles around financial stewardship. you've heard me say this on the program before. There are three lines. Laws of learning, Law number one, repetition. Law number two, repetition. And, you know, law number three. So, when you recap for us those three principles that you shared for us about stewardship, and I think this is important for people to hear.
>> Jane: Sure. And actually there's four of them. the first one is that everything belongs to God. You know, it's all come from him. And it's all going to stay here when we. Principle number two, we're to put the resources to work that God's entrusted to us, you know, and we're to protect them. And then principle three, we must act from faith, not fear. And then principle four, we're called to give generously to God's kingdom and the needs around us. And that actually builds treasure in heaven for us.
>> Don Hawkins: I'm certainly glad you included principle number four, because this ministry and other ministries like it are supported because people give generously to God's kingdom and, and support those needs. And our local church is the same thing. And I, I believe that the place we start is in our local church. And I bet you agree with that as well.
>> Jane: Yes, I do. Yeah.
>> Don Hawkins: Very important principle. Now again, the number one principle that governs this, everything we have, that includes the house that you own, title to the car that you may have purchased, and you own it free and clear, the land that you own, the deed to, it all belongs to God. And God wants you to use the resource that you are a steward. And, and by the way, a lot of people misinterpret that parable you talked about at the beginning of the show about talents. They think they're talking about singing and accounting and things like that. We're not talking about. Those are, we, we're talking about units of money.
>> Jane: Yeah, those that, in, in Jesus time, that was, that was a measurement of money.
>> Don Hawkins: So good thing for us to keep in mind. And I really like the principle of acting from faith and not fear. You know, I go back to something you pointed out earlier in the program, and that is a lot of people are frightened about the possibility of a recession or you know, some disaster happening like happened in 2008 or you know, there have been some other times like that as well. but you've actually found something that that you will not lose principal loan, but has the potential, of gaining significant amount of interest, especially compared to other kinds of investments and, and the kind of losses that sometimes happen in the market. talk again about that particular instrument.
>> Jane: Well, that particular instrument is one that it has a guarantee that you're not going to go backwards because the money isn't in the M market. The money, you know, the money's held in a general fund, but the interest on it tracks with the index. And all an index is, is a grouping of companies that gets tracked for it in order to trace an interest growth level. And so it tracks with that market index. And when you know things are going really well, these accounts do really well. But when things are going badly, they don't go badly with it. They just kind of sit level during that time.
>> Don Hawkins: Very important to keep that in mind.
Roxanne has mentioned three criteria that she uses when choosing companies
Again, the website to learn more about what Roxanne has been talking about tonight or to sign up for one of those web webinars, his faithful stewards.com Roxanne, on previous programs you have mentioned three criteria that you use in deciding where to put individuals money. And you're very serious about these things. if you wouldn't mind if you could touch on at least one or more of those.
>> Jane: Sure, yeah. Any company that we work with is required to meet three criteria. The first criteria is that as far as I can tell and as deep as I'm able to dig into that company, they are biblically responsible in how they're making and using their money and what companies they're connected to. the second issue is that the averages that I see, I look at the last 10 years averages on their products and I'm looking for averages that have paid at least 8% over the last 10 years. The ones I'm primarily using now, it ranges between 8 and 13% on the averages. And then the third thing has to do with the strength of the company based on their ratios of their assets to their obligations. And I'm looking for companies that their assets, they have higher assets and they have obligations also taking in a lot of those obligations that they've tried to hide by creating sub entities. But by looking at all of that to get a true ratio and a true strength of the company.
>> Don Hawkins: Well, I certainly appreciate the approach that you take. Those three values I think are so important for people to know. And once again a reminder that the webinars are coming up. one of those webinars will be this coming Wednesday on will awareness and trust. And that will be this coming Wednesday, May 7, 5pm and then the other one will be on Wednesday, May 21 at noon Central time. And you can also schedule a time to talk with Roxanne again, Confidential and free. And you can schedule that on the website. His faithful stewards.com Roxanne, always a joy to talk with you, especially about this important subject of stewardship.
>> Jane: Thank you. It's been great to be here.
>> Don Hawkins: It has been a joy. And thank you friend for joining us for encouragement live. Good night.
