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Giving to Religion
Giving to religion declined in 2018 and is now down to 29% of all charitable giving. Religion is still the largest recipient of giving, but the number continues to drop. This decline has been over several decades. Some of decline is the way in which religious...
A Place for Savings
Emergency funds and reserves should be placed in an interest bearing account that is easily accessible. A certificate of deposit is not a good plan because you never know when the funds will be needed. An individual might choose a savings account at a bank or credit...
Reserves
An operating reserve is a great tool for individuals and churches. A reserve protects from unexpected income loss. Most financial advisors recommend that individuals have at least three to six months of living expenses set aside in a savings account. The goal is to...


