FUNDRAISING PLANNING STUDY REPORT Presented To ST. LAWRENCE CATHOLIC CHURCH CARROLL, IOWA. Walsh & Associates
|
|
- Collin Thompson
- 6 years ago
- Views:
Transcription
1 FUNDRAISING PLANNING STUDY REPORT Presented To ST. LAWRENCE CATHOLIC CHURCH CARROLL, IOWA Walsh & Associates Church Fundraising and Stewardship Specialists February 17, 2009 Fr. Timothy R. Schott St. Lawrence Church 1607 N. West St. Carroll, IA Dear Father Schott: I am pleased to submit this report of our fundraising planning and feasibility analysis for St. Lawrence Church. The study indicates the potential to raise a minimum of $2,000,000 to $3,000,000 over a three-year period for your proposed fundraising campaign. The study results, together with our conclusions and recommendations, are found on the following pages. This report would not be complete without a word of thanks to you and your church leadership for inviting our firm to conduct this study, which we believe is an important, if not critical, first step to a successful capital campaign. Our special thanks to Sue Seidl for providing helpful background information needed and coordinating our interviews. We look forward to working with you as you implement a successful campaign. Respectfully submitted, Michael A. Walsh President
2 SUMMARY OF ALL RESPONSES In all, four hundred (400) survey responses were received and tabulated. A total of 31 individual interviews were conducted, involving 50 individuals. In addition, 369 in-pew surveys were returned and are included in our analysis and report. When couples (e.g., husbands and wives) were interviewed or completed surveys together, individual responses were encouraged and many times received. Sometimes too, two answers were given by an individual to a single question. For example, some may have responded that they felt acceptance for a campaign would be "fair" to "good." In this and similar instances, two answers were recorded. In addition, there were times when a person was not able to answer or, if not appropriate or applicable, was not asked certain questions. This explains why the total number of responses does not always equal the total number of individuals interviewed or responses received. 1. How satisfied are you with St. Lawrence Catholic Church and the programs and services the church provides? Very Satisfied % Satisfied % Somewhat Dissatisfied % Dissatisfied % 2. How well informed would you say that you ve been about the church s needs and plans to construct a new Parish Hall and Family/Meeting Room, add a Narthex/Gathering Space, and make other enhancements to our church property? Well Informed % Have General Knowledge % Know Very Little % Uninformed % 3. Overall, how important do you think it is to address these needs? Very Important % Important % Nice To Do % Not Needed % 4. Individually, how would you rate addressing each of these needs and the proposed project s major parts in terms of importance? Very Important Important Nice To Have/Do Not Important 1. Construction of a Parish Hall 114/30% 133/34% 96/25% 42/11% 2. Construction of a Family/Meeting Room 3. Addition of a Narthex/ Gathering Space 4. Additional outdoor spaces (prayer garden, social courtyard, covered walkway) 109/29% 137/36% 89/24% 43/11% 101/27% 123/33% 104/28% 43/12% 54/15% 69/19% 137/37% 107/29%
3 5. Were you aware that the church was considering a major fundraising campaign to address these needs? Yes % No % 6. In your opinion, what would be the acceptance level among members for a fundraising campaign that would address these needs? Excellent % Good % Fair % Poor % 7. The cost of the project is estimated to be in the $2.6-3 million range. How much money do you think can realistically be raised from all members and select others in pledges payable over a minimum of three years? $3,000,000 or More 12 05% $2,500,000 - $2,999, % $2,000,000 - $2,499, % $1,500,000 - $1,999, % $1,000,000 - $1,499, % $500,000 - $999, % Less Than $500, % 8. In your opinion, who would be the three to five best people to lead a fundraising campaign for St. Lawrence Catholic Church if we could get them? (Names provided under separate cover.) 9. In your opinion, who are the three to five members who might be capable of making the largest gifts if they were so inclined? (Names provided under separate cover.) 10. In your opinion, what individuals and institutions outside of the church community (e.g., former members, businesses and organizations, etc.) might have the potential and willingness to make significant gifts? (Names provided under separate cover.) 11. If a campaign is conducted, do you think you might consider or accept a campaign leadership position if asked? Yes % Maybe % No % 12. If not a leadership position, would you work on the campaign in some other capacity? Yes % Maybe % No %
4 13. If a campaign is conducted, do you think you might make a gift? Yes % Maybe % No % 14. If you were to make a gift, what range gift do you think you might consider over a three-year time period? Of the 326 individuals, couples or institutions who said they would make or would consider making gifts, 206 mentioned specific amounts or a gift range they might consider. The highest gift or range gift that any one individual, couple or institution said they would make or consider was in the $50,000 range. Two individuals, couples or institutions said they would make or consider such a gift. The total of specified gifts that people said they would or might consider ranged from a low total of $627,840 to a high total of $936, Are you aware of any other campaigns that are in progress or being planned that might conflict with a campaign for St. Lawrence Catholic Church? No % Yes % Potential conflicts mentioned more than once included the Kuemper Ball, the Kuemper School Foundation and the New Hope campaign that is just ending and campaigns for the hospital and the new library building. 16. Do you have any other comments or suggestions that you think might be important or helpful to this study or in planning a campaign? There were 314 responses to this question. CONCLUSIONS A. SATISFACTION WITH THE PARISH The level of satisfaction with St. Lawrence is very high at the present time. In fact, ninety-eight percent (98%) of those individually interviewed and eighty-seven percent of (87%) of survey respondents overall said that they were either satisfied or very satisfied with the church and the programs and services that you currently provide. This is obviously very conducive to a successful campaign. In addition, there were no nagging or consistently mentioned sources of discontent, which is also very positive and, again, will serve you well in your planned campaign. B. PROJECT AWARENESS AND ACCEPTANCE Ninety-five percent (95%) of survey respondents felt that they were either well informed or had a general knowledge of your needs and plans. Consequently, we view the level of awareness for your project to be very high at the present time. Acceptance for the proposed project overall was more moderate at the present time. Seventy-one percent (71%) of those personally interviewed and sixty-six percent (66%) of survey respondents overall felt that addressing your needs as expressed was either important or very important. This fairly moderate level of acceptance for the proposed project is probably more of a reflection of people s perception and their often mentioned concern about the state of the economy than it is about your stated needs. There was also some concern expressed about the overall cost and affordability of the project not only initially, but also on an ongoing basis due to inevitable increased operating expenses. During the conduct of our study, we also assessed acceptance for all of the proposed project s major parts and found that all but one received majority acceptance among survey respondents. Rated the highest priority among survey respondents was your expressed need and proposed plan to add a new family/meeting room within your proposed new parish hall. Sixty-five percent (65%) of
5 survey respondents overall and seventy-four percent (74%) of those personally interviewed rated this as important or very important to do. Rated the second highest priority among survey respondents was your expressed need and proposed plan to construct a new parish center/hall. Sixty-four percent (64%) of all survey respondents and seventy-one percent (71%) of those personally interviewed rated this part of the proposed project as something that is important or very important to do. Rated the third highest priority among survey respondents overall was your expressed need and proposed plan to expand your existing narthex and add a gathering space onto what you currently have. And while sixty percent (60%) of all survey respondents rated this as important or very important to do, it is important to note that seventy-eight percent (78%) of those personally interviewed see this part of your plan as the most important thing to do. The only part of your plan that did not receive majority acceptance at this time were the proposed new outdoor spaces with the exception of the covered walkway, which many people felt was needed and a good idea. Only thirty-five percent (35%) of survey respondents and forty-five percent (45%) of those personally interviewed felt that the proposed outdoor work that you have planned (social courtyard and prayer garden) is important or very important to do at this time. Additionally, there were a number of people who felt that the church itself needed work, including painting, re-carpeting and redecorating. Overall, however, the positive perception of your proposed project and the majority of its parts will be quite conducive to the success of your planned campaign. C. CAMPAIGN AWARENESS AND ACCEPTANCE Awareness of a fundraising effort designed to address your expressed needs is very high at the present time with eighty-eight and a half percent (88.5%) of survey participants overall and ninety-eight percent (98%) of those personally interviewed saying that they knew a campaign was being considered or planned. Acceptance for such an effort, however, is a bit more moderate at the present time. Most survey respondents (43%) felt that acceptance for such an effort would at least be good while a majority (82%) felt that acceptance for a campaign at the present time would be only fair to good. The main reason for this evaluation was the current state of the national and local economies, which many feel are in bad shape. There were a number of others, though, that see this as a fairly good time to pursue a campaign and project of this kind saying that the farm economy is still fairly good, that the city of Carroll just gave people salary and wage increases, that contractors are fairly hungry and that construction rates and interest rates would be more favorable now than in the future. Some even said that a project like this could actually stimulate the local economy and that waiting would only increase the overall expense of the project over time. Keep in mind, too, that your campaign would continue over a three year period of time and that the economy is somewhat cyclical, so if some people are unable to participate at the current time to the extent they otherwise might, that s not to say that they will not be able to participate or participate at an increased rate during better economic times. It s also important to note that eighty-nine percent (89%) of all study participants said that they would either make or consider gifts, which is both very encouraging and somewhat contrary to people s concern about the timing of the planned effort and their current concerns about the economy. D. COMPETITION FOR FUNDS Competition for philanthropic funds does not seem to be a major issue for you at this time. In fact, a high percentage (89%) of survey respondents said that they did not know of any other potentially conflicting projects or campaigns that were in progress or planned that might adversely affect your campaign plans. Of those that were mentioned, support of the Kuemper Ball and the Kuemper School Foundation are the only efforts that could adversely affect some people s willingness and/or ability to support your proposed parish campaign effort to the extent they otherwise might. But in our experience and based upon what we know about them, we do not believe that these will have a very significant, long lasting or widespread detrimental effect. In summary, now would seem to be a relatively ideal time to launch and run a campaign from a competitive perspective.
6 E. VOLUNTEER AND VOLUNTEER LEADERSHIP POTENTIAL Campaigns of this nature are not only volunteer intensive, they re volunteer dependent. Consequently, it is essential to have ample, able and willingly available volunteers and volunteer leadership for a successful campaign. Ideally, you should have one volunteer for every five or six members or contributing households or prospective donors. In your case, with roughly 1,000 registered and 776 contributing households, this translates into a need for between 130 and 165 volunteers, ideally. Approximately 20% of these, or 26 to 33 people and preferably couples, would be needed to serve in key leadership roles enlisting, soliciting and supervising other volunteers and volunteer leaders in the campaign. And, as a general rule of thumb, you should have at least two candidates for every volunteer (leadership) position that needs to be filled. For your church, this means that you should have a pool of at least 52 to 66 key leadership candidates. During the course of this study, 45 different individuals or couples were named among the best possible leaders for a campaign. This approximates the ideal pool of quality candidates that we would need, which indicates that you should be able to attain the quality and quantity of volunteers and volunteer leaders that we would ideally need and like to see for your campaign. Willingness to work on the campaign, especially in a leadership role, is also critical to your success and something that we also assessed. And the study shows that thirty-eight percent (38%) of those personally interviewed (who are presumably some of the most active and generous people to your church now) indicated a willingness to consider leadership positions in the campaign if offered or asked. This is slightly higher than the typical one-out-of-three willingness-to-lead response that we typically and ideally would like to see. On an increasingly encouraging note, is the fact that willingness to get involved in key leadership roles actually increased among those recommended most to us as the best possible leaders for your campaign. In fact, of the 23 individuals or couples that were mentioned to us multiple times as being among the best to lead your campaign, we interviewed 12 of the 23, and found that 8 of the 12, or sixtyseven percent (67%), said they would or might accept campaign leadership roles if asked. Furthermore, of the 16 individuals or couples that were recommended to us three or more times as being the most capable to lead your campaign, we interviewed 10 of these, and 7 of the 10, or seventy percent (70%), said they would or might accept campaign leadership roles if asked. And finally, of the 7 individuals or couples that were suggested five or more times as being the best to lead your campaign, we interviewed 6 of them, and 5 of the 6 or eighty-three percent (83%) said that they, too, would or might accept a leadership role in your campaign if it was offered to them. This increased willingness to get involved as key leaders among those mentioned most as the best to lead your campaign is significant in that campaigns of this nature tend to have somewhat of bandwagon effect with most people waiting to get involved until those they know and respect most already have. Additionally, it was also encouraging to note that forty-eight percent (48%) of all survey respondents said that they would or might work on the campaign in some capacity if asked, which is approximates the one-out-of-two willingness to work response that we typically and ideally like to see. So, in summary, your prospects for getting both the quality and quantity of volunteers and volunteer leaders that you would need for a successful campaign looks to be pretty promising at the present time. F. FINANCIAL POTENTIAL A number of considerations are used to determine financial potential. All of the previously discussed criteria satisfaction with the parish, acceptance of the proposed project and campaign, competition for funds, and leadership potential are all major considerations. Another important criterion in estimating financial potential is the opinion of the church members themselves, since experience, for the most part, shows that people tend to perform at the level they think they are capable of, and rarely above. And, the study shows that a majority of those interviewed (51%) believe that at least $1,500,000 can realistically be raised over a three-year pledge period for your proposed campaign. We also look at prospects for pacesetting gifts in evaluating a church s financial potential. To reach your capability in a fundraising effort of any significance, you would normally need and ideally receive at least one gift equal to 10% or more of your goal. Furthermore, you should have at least three prospective contributors rated as capable of making the top gift that you need. In your case, with a $2.6 - $3 million project, that means you would need at least three prospective donors consistently rated as
7 capable of contributing at least $260,000 or more to your planned campaign. During the course of our interviews, there were no individuals or couples who were consistently rated as capable of making such a gift. The average rated gift potential of the three top prospects for gifts amounted to approximately $320,000. This would indicate a potential for raising at least $3,200,000 under this financial formula. We also looked at the top gifts that your people expressed a willingness to consider or make in evaluating your financial potential. And during the course of our study, there were three people who said that they would make or consider gifts of at least $30,000 to $50,000 and three additional people who said they would make or consider gifts of at least $25,000 to the campaign. If the top three gifts were combined they would amount to the equivalent of a lead gift in the $90,000 to $150,000 range, which would indicate a potential for raising at least $900,000 under the financial formula previously mentioned. Finally, one of the best barometers of financial potential is current giving. Normally, a parish should be able to raise at least two and one half times its annual offerings in a well run and received campaign. And according to information provided to us, approximately $1,100,000 in such income was received over the past 12 months. This would indicate a potential for raising at least $2,750,000 in your campaign. The average of the aforementioned indicators amounts to $2,087,500. Consequently, we believe that you have the potential to raise a minimum of $2,000,000 to $3,000,000 over a three-year period in your planned campaign in addition to other funds that you may already or eventually have available for this project and campaign. RECOMMENDATIONS 1. That you consider completing the project and/or the fundraising for it in up to two phases, if needed, based on what people want, will support and to what extent, as well as what seems to make the most practical sense. You could, for example, choose to complete the entire project all at once and then, if needed, do another campaign three years from now to retire whatever debt remains. Or you could choose to defer certain parts of the project (e.g., the social courtyard and prayer garden) to a second or separate campaign or until a specified level of funding exists. 2. That you consider building into this or a subsequent campaign, if needed, the expense of re-painting, re-decorating and re-carpeting your church. 3. That you begin the planning and organizational work for your capital campaign relatively immediately, either right away or as late as mid-april after Easter. This will allow you to complete the major gift gathering activities and phases of your campaign by as early as the end of June or alternatively, if the following recommendation is heeded, by early to mid-november. 4. That you consider having us break out, organize and conduct a special and separate Pacesetting Gifts Phase for your campaign, which would provide extra time for developing more significant lead gifts that will help to assure your optimal campaign results and ultimate success. This special phase could be conducted first and apart from the more traditional Advance and Community Gifts phases of a church campaign in which these more significant gifts are typically solicited. During this phase we would focus on soliciting and securing approximately 10 to 15 gifts that would provide up to 40% or more of your overall goal. These types of substantial lead gifts do, in fact, exist in your parish, but the willingness to give them currently doesn t. Consequently, we believe that you could benefit from having additional time for cultivating and closing these types of gifts that are so critical to realizing your financial potential. In fact, in other parishes where we have recommended and conducted this special phase, it has resulted in raising, on average, an additional one times the parish s annual income. So even though adding a Pacesetting Gifts phase would add slightly to the campaign s overall cost, it also has the potential to significantly enhance your campaign results well beyond this additional expense. It would also help to avoid having to conduct some of the more significant parts of the campaign (i.e., Commitment Weekend) over the summertime, which in a farming community can be somewhat problematic but would be otherwise unavoidable (without compromising campaign results) even if you were to start the campaign immediately. Doing a Pacesetting Gifts phase, on the other hand, would allow the campaign to unfold more gradually so that there is ample time for proper preparation, volunteer recruitment and gift solicitation. It will allow the summertime to be used even more productively and would allow the
8 campaign to culminate when the harvest is in, when most people are here and maybe even when the economy has had a chance to slightly improve/change. In short, we believe it would be a smart move and a wise investment on the parish s part. 5. That you establish a minimum goal of $2 million for the (initial phase of the) campaign, which is in line with what we believe you can realistically expect to minimally raise. We also suggest that an additional challenge or ultimate goal be set equal to the proposed project s total cost which, if met, will enable you to complete more of the project and/or to complete it without having to conduct another campaign or incur any interim debt. 6. That you begin to develop responses to some of the other most commonly raised questions, concerns and suggestions that surfaced as a part of this study, which will then need to be incorporated into the final case statement, campaign literature and a question and answer sheet that should be used prior to and as part of the formal conduct of your campaign. 7. That you build into your case the newly announced Diocesan plans to consolidate some smaller, surrounding parishes into St. Lawrence, which intensifies your need for improved and expanded space. 8. That you initiate and implement within three to nine months after the campaign ends, a more formal, holistic and professionally run stewardship program at your church with our assistance. Such a program should have at its core a strong initial and ongoing educational component emphasizing what it means to be a Christian steward in every sense; it should be led by a sound and well-rounded, standing stewardship committee that will assure that the program is ongoing and holistic in nature; it should have a strong volunteer stewardship component that seeks to get more deeply involved in the life of your church; and it should have a strong financial stewardship component that seeks not only to expand regular weekly giving, but also special and substantial short and long-term gifts to your church, which may help you to support any interim debt and increased operating expense that you may incur as a result of this project and/or may enable you to finish your proposed project sooner than might otherwise be possible without it.
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF
ECO155L19.doc 1 OKAY SO WHAT WE WANT TO DO IS WE WANT TO DISTINGUISH BETWEEN NOMINAL AND REAL GROSS DOMESTIC PRODUCT. WE SORT OF GOT A LITTLE BIT OF A MATHEMATICAL CALCULATION TO GO THROUGH HERE. THESE
More informationIt s a beautiful time to be a service manager in the copier industry! These folks seem to be doing quite nicely when it comes
These copier industry veterans are doing well financially, but are more and more dissatisfied with their current employment situation. By Scott Cullen It s a beautiful time to be a service manager in the
More informationState of City and County IT 2015: The IT Organization and Operations National Survey SEPTEMBER 2015
State of City and County IT 2015: The IT Organization and Operations National Survey SEPTEMBER 2015 STATE OF CITY AND COUNTY IT 2015: The Information Technology (IT) Organization and Operations National
More informationXII. PARISH DEVELOPMENT
1 XII. PARISH DEVELOPMENT This chapter offers an introduction to Parish Development concepts that will strengthen ongoing financial support including increased offertory collections, stewardship, and planned
More informationCatholic Diocese of Memphis Revised March 28, 2008 PROCEDURES FOR CONSTRUCTION, EXPANSION, OR MAJOR RENOVATION OF FACILITIES
PROCEDURES FOR CONSTRUCTION, EXPANSION, OR MAJOR RENOVATION OF FACILITIES Policy The intent of the Diocesan procedures for capital projects, which are projects for the construction, expansion, or major
More informationBISHOP S SERVICES APPEAL (BSA) 2019 RESOURCE MANUAL
BISHOP S SERVICES APPEAL (BSA) 2019 RESOURCE MANUAL Office of Stewardship and Development 1408 Carmel Drive Lafayette, Louisiana 70501 Phone No.: (337) 261-5641 Revised: January 2019 TABLE OF CONTENTS
More informationAn Example. Document. St Jagielka. Walton. Giving in Grace
An Example Document St Jagielka Walton Giving in Grace 2015 www.givingingrace.org 1 Section 1: strengths, weaknesses & plans This section of the case statement offers reflection on maintenance, mission
More informationWealth with Responsibility Study/2000
Wealth with Responsibility Study/2000 Introduction The 2000 Study on Wealth with Responsibility (WWR) was conducted solely for Deutsche Bank Private Banking by researchers at the Boston College Social
More informationMINIMUM COMPENSATION GUIDELINES for Authorized Ministries in the Kansas-Oklahoma Conference Recommended by the Kansas-Oklahoma Conference
Supporting Our Ministry 2015-2016 MINIMUM COMPENSATION GUIDELINES for Authorized Ministries in the Kansas-Oklahoma Conference Recommended by the Kansas-Oklahoma Conference 1 of 9 I. INTRODUCTION: UNDERSTANDING
More informationA Step-by-Step Guide to Retirement for Clergy *
A Step-by-Step Guide to Retirement for Clergy * Retiring from full-time stipendiary ministry is a major step for clergy which has far-reaching consequences for them and also for their close family. It
More informationA report by the Sonoma County Economic Development Board Ben Stone, Director
Sonoma County Business Confidence Report December 2000 A report by the Sonoma County Economic Development Board Ben Stone, Director Table of Contents OVERVIEW 3 HIGHLIGHTS 4 I. EXPECTED BUSINESS CHANGES
More informationOral History Program Series: Civil Service Interview no.: S11
An initiative of the National Academy of Public Administration, and the Woodrow Wilson School of Public and International Affairs and the Bobst Center for Peace and Justice, Princeton University Oral History
More informationHow Do You Calculate Cash Flow in Real Life for a Real Company?
How Do You Calculate Cash Flow in Real Life for a Real Company? Hello and welcome to our second lesson in our free tutorial series on how to calculate free cash flow and create a DCF analysis for Jazz
More informationQuality of Life in Nonmetropolitan Nebraska: Perceptions of Well-Being and Church Life: 2012 Nebraska Rural Poll Results: A Research Report
University of Nebraska - Lincoln DigitalCommons@University of Nebraska - Lincoln Publications from the Center for Applied Rural Innovation (CARI) CARI: Center for Applied Rural Innovation 7-2012 Quality
More informationThe 2004 Canada Survey of Giving, Volunteering, and Participating: NEWFOUNDLAND AND LABRADOR
The 2004 Canada Survey of Giving, Volunteering, and Participating: NEWFOUNDLAND AND LABRADOR DONATING: Donations Types of organizations supported Donor characteristics: - Age - Education level Donation
More informationUnlocking Value From Effective Retirement Plan Governance. The 2016 Willis Towers Watson U.S. Retirement Plan Governance Survey
Unlocking Value From Effective Retirement Plan Governance The 2016 Willis Towers Watson U.S. Retirement Plan Governance Survey Organizations with effective retirement plan governance are better equipped
More informationPLANNING YOUR GIFTS FOR INVESTING IN INVESTING IN INVESTING IN FUTURES
PLANNING YOUR GIFTS FOR LIVES FUTURES HOPE PLANNING YOUR GIFTS FOR LIVES FUTURES HOPE Perhaps you ve only been involved with The City Mission for a short time. Or, perhaps you ve helped us for years, even
More information2018 Report. July 2018
2018 Report July 2018 Foreword This year the FCA and FCA Practitioner Panel have, for the second time, carried out a joint survey of regulated firms to monitor the industry s perception of the FCA and
More informationSt. Edwards Parish Council Meeting 26 June 2014 Minutes
St. Edwards Parish Council Meeting 26 June 2014 Minutes Present: Fr. Brian, Dan Kinsella, Martie McMahon, Jimmy Ojo, Sherrie Schroeder, Dan Shidla, Jen Zupke Absent: Jane Heither, Felicity Furber, Barry
More informationDiocese of Kansas City-St. Joseph
Diocese of Kansas City-St. Joseph Parish Toolkit: IRA Qualified Charitable Distributions 2018 Contents A. Stewardship and Development... 1 Planned Giving... 1 B. Planned Gifts: IRA Qualified Charitable
More informationTrends in Nonqualified Deferred Compensation. Take their word for it this benefit is a big deal in the business world.
2015 Trends in Nonqualified Deferred Compensation Published June 2016 Take their word for it this benefit is a big deal in the business world Summary Key employees are the backbone of every organization.
More informationWhat Shall I Do, Lord?
ADVANCING THE MISSION OF CHRIST: What Shall I Do, Lord? Transmittal Manual 2018 Finance Office 5800 Weiss St Saginaw, MI 48603 989-797-6626 Table of Contents Introduction Catholic Services Appeal 2018
More information59 th Annual Business Outlook Survey
59 th Annual Business Outlook Survey Optimistic outlook reported on many fronts, but pending issues and existing challenges a concern in the new year. Executive Summary The results of NJBIA s 59 th Annual
More informationWhat GPs Should Know About Carried Interest and Wealth Planning
Webinar Briefing Q4 2016 What GPs Should Know About Carried Interest and Wealth Planning An excerpt of the Privcap webinar Carried Interest and GP Estate Planning Sponsored by What GPs Should Know About
More informationThe Cornell Retirement and Well-Being Study. Final Report 2000
The Cornell Retirement and Well-Being Study Final Report 2000 Phyllis Moen, Ph.D., Principal Investigator with William A. Erickson, M.S., Madhurima Agarwal, M.R.P., Vivian Fields, M.A., and Laurie Todd
More informationBUDGET-BASED BENEFITS: A NEW APPROACH TO RENEWALS
BUDGET-BASED BENEFITS: A NEW APPROACH TO RENEWALS Budget-Based Benefits: A New Approach to Renewals 1 TABLE OF CONTENTS INTRODUCTION... 3 CHAPTER ONE Start with the Budget... 4 CHAPTER TWO Make It Simple
More informationFAMILY FOUNDATIONS. Building the Family Vision
FAMILY FOUNDATIONS Building the Family Vision TABLE OF CONTENTS In this white paper: What is a Family Foundation? 4 Establishing the Family Foundation 5 What Are the Benefits to the Family? 6 Conclusion
More informationKansas Speaks 2012 Statewide Public Opinion Survey
Kansas Speaks 2012 Statewide Public Opinion Survey Prepared For The Citizens of Kansas By The Docking Institute of Public Affairs Fort Hays State University Copyright October 2012 All Rights Reserved Fort
More informationBuying a Home Table of Contents
Buying a Home Table of Contents Buying vs Renting Your Home... 2 Buying Your Home... 3 Taking out a Mortgage... 4 Renovations... 4 Refinancing Your Mortgage... 5 1 Buying vs Renting Your Home The decision
More informationSurvey In Brief. How Well Candidates Have Explained Their Plans for Strengthening Social Security (n=398) Strengthening Medicare (n=398)
2012 AARP Survey of New York CD 24 Registered Voters Ages 50+ on Retirement Security For more than 50 years, AARP has advocated for retirement security for all Americans. AARP in New York commissioned
More information2012 AARP Survey of New York CD 21 Registered Voters Ages 50+ on Retirement Security. Survey In Brief
2012 AARP Survey of New York CD 21 Registered Voters Ages 50+ on Retirement Security For more than 50 years, AARP has advocated for retirement security for all Americans. AARP in New York commissioned
More informationAn Interview with Renaud Laplanche. Renaud Laplanche, CEO, Lending Club, speaks with Growthink University s Dave Lavinsky
An Interview with Renaud Laplanche Renaud Laplanche, CEO, Lending Club, speaks with Growthink University s Dave Lavinsky Dave Lavinsky: Hello everyone. This is Dave Lavinsky from Growthink. Today I am
More informationRequired Minimum Distribution (RMDs)
Required Minimum Distributions (RMDs) Page 1 Required Minimum Distribution (RMDs) The IRS Forces You to Take Them and Pay, But You Can Fight Back You ve used IRAs and other retirement savings plans to
More informationPutting Money to Work - Investing
Chapter 12 Putting Money to Work - Investing J.H. Morley said: In investing money, the amount of interest you want should depend on whether you want to eat well or sleep well. Another man with initials
More informationWisconsin Budget Toolkit
Wisconsin Budget Toolkit INTRODUCTION Updated January 2016 Countless times a day, you are affected by state budget decisions. When you turn on the water, send your child to school, turn on a light, or
More informationRetired Steelworkers and Their Health Benefits: RESULTS FROM A 2004 SURVEY
Retired Steelworkers and Their Health Benefits: RESULTS FROM A 2004 SURVEY May 2006 Methodology This chartpack presents findings from a survey of 2,691 retired steelworkers who lost their health benefits
More informationUnlocking the potential from your own home. How to leverage your equity to buy an investment property
Unlocking the potential from your own home How to leverage your equity to buy an investment property Presented by Momentum Wealth Momentum Wealth IP Pty Ltd 2014 Contents 3 5 6 8 10 11 What makes your
More informationEmotional Investing and Performance Cycles
Managed Futures Newsletter February 13 th, 2013 PORTFOLIO CONSTRUCTION CONSULTING RESEARCH Emotional Investing and Performance Cycles As is the case in every asset class under the sun, managed futures
More informationHere are a couple of warnings to my students who may be here to get a copy of what happened on a day that you missed.
Preface Here are my online notes for my Calculus I course that I teach here at Lamar University. Despite the fact that these are my class notes, they should be accessible to anyone wanting to learn Calculus
More informationONLINE FUNDHOLDER ENGAGEMENT SURVEY
ONLINE FUNDHOLDER ENGAGEMENT SURVEY The Oakville Community Foundation May 2016 Sponsor in partnership with & Contents 04 Background, Objectives & Methodology 6 Summary of Findings 9 Satisfaction with the
More informationNONPROFIT SURVEY SUMMER 2018
NONPROFIT SURVEY Introduction Focus Marks Paneth LLP s Summer 2018 Nonprofit Pulse survey is based on the opinions of 216 leaders and managers of nonprofit organizations. Current conditions in the nonprofit
More informationCentury National Bank
Century National Bank Freshman Case - Week 1 Subject Area: Improving Market Capitalization Case Leader: Graham Thompson 2013 Session 1 Background Century Corporation (Century) is a multibank holding company
More informationThe Global Recession of 2016
INTERVIEW BARRON S The Global Recession of 2016 Forecaster David Levy sees a spreading global recession intensifying and ultimately engulfing the world s economies By LAWRENCE C. STRAUSS December 19, 2015
More informationFannie Mae Own-Rent Analysis Theme 1: Persistence of the Homeownership Aspiration
Fannie Mae Own-Rent Analysis Theme 1: Persistence of the Homeownership Aspiration Copyright 2010 by Fannie Mae Release Date: December 9, 2010 Overview of Fannie Mae Own-Rent Analysis Objective Fannie Mae
More informationSurvey Summary: November 2013 Address Points Survey for IGIC Business Plan
Survey Summary: November 2013 Address Points Survey for IGIC Business Plan The Iowa Geographic Information Council (IGIC) received a grant from the Federal Geographic Data Committee to write business plans
More informationAPPROVED: St. Nicholas Finance Council Meeting Minutes 03/15/18 and 3/20/18
APPROVED: St. Nicholas Finance Council Meeting Minutes 03/15/18 and 3/20/18 Location: Notre Dame Room, Parish Office Opening Prayer Roll Call Jim, JoAnn, Don, Kristin, Chad, Cortney, Mark, Fr. Walter Any
More information1.1 Alberta Industry Willingness for Lump Sum Contracting
Appendix 5: Detailed Statistical Analysis 1 Primary Survey Data Analysis 1.1 Alberta Industry Willingness for Lump Sum Contracting This section uses Chi Square and Fisher Exact tests to find significant
More informationCustomers experience of the Tax Credits Helpline
Customers experience of the Tax Credits Helpline Findings from the 2009 Panel Study of Tax Credits and Child Benefit Customers Natalie Maplethorpe, National Centre for Social Research July 2011 HM Revenue
More informationHealth Care in America 2006 Survey
Chartpack ABC News/Kaiser Family Foundation/USA Today Health Care in America 2006 Survey October 2006 Methodology The ABC News/Kaiser Family Foundation/USA Today Survey Project is a three-way partnership.
More informationHiring the Chief Development Officer for a Nonprofit Organization: Look, Plan, and Think Before You Invest By Virginia O Brien Record
Hiring the Chief Development Officer for a Nonprofit Organization: Look, Plan, and Think Before You Invest By Virginia O Brien Record Virginia O Brien Record is a Client Partner in Sterling Martin Associates
More informationNLN AFFILIATED CONSTITUENT LEAGUE Reference & Resources. Guidelines for Revenue Creation Finance & Fundraising
NLN AFFILIATED CONSTITUENT LEAGUE Reference & Resources Guidelines for Revenue Creation Finance & Fundraising Table of Contents Finance Commitee... 1 Budget Process... 2 A Balanced Budget... 3 Controls...
More informationEvaluations of President Obama Drop Amid Skepticism about ACA November 15-18, 2013
CBS NEWS POLL For release: Wednesday, November 20, 2013 6:30 pm ET Evaluations of President Obama Drop Amid Skepticism about ACA November 15-18, 2013 In the wake of the problematic rollout of the health
More informationSixth Annual Transamerica Center for Health Studies Employers Survey: U.S. Businesses Remain Committed to Employee Healthcare Benefits
Sixth Annual Transamerica Center for Health Studies Employers Survey: U.S. Businesses Remain Committed to Employee Healthcare Benefits November 2018 1 Table of Contents About the Transamerica Center for
More informationFinancing Change. Below Level Differentiation. Above Level Differentiation. Habitat for Humanity
Below Level Differentiation Reading and Discussion Tips: While discussing Traditional Lending vs. Microfinance, draw a Venn diagram on the board. Ask students to read the qualities of each type of loan
More informationThe U.S. Trust Study of the Philanthropic Conversation
The U.S. Trust Study of the Philanthropic Conversation Understanding advisor approaches and client expectations Executive Summary Conducted in partnership with The Philanthropic Initiative Overview The
More informationEXHIBIT IV: SOME BEST PRACTICES & GUIDELINES FOR MANAGEMENT OF ENDOWMENT FUNDS A: STRIVING TO INCREASE ENDOWMENT FUND VALUE EACH YEAR.
EXHIBIT IV: SOME BEST PRACTICES & GUIDELINES FOR MANAGEMENT OF ENDOWMENT FUNDS A: STRIVING TO INCREASE ENDOWMENT FUND VALUE EACH YEAR. 1. The most important single, overarching Best Practice, or policy
More informationFifth Annual Transamerica Center for Health Studies Survey: Employers Hold Steady in Time of Uncertainty
Fifth Annual Transamerica Center for Health Studies Survey: Employers Hold Steady in Time of Uncertainty November 2017 Table of Contents About the Transamerica Center for Health Studies Page 3 About the
More information17. Social Security. Congress should allow workers to privately invest at least half their Social Security payroll taxes through individual accounts.
17. Social Security Congress should allow workers to privately invest at least half their Social Security payroll taxes through individual accounts. Although President Bush failed in his efforts to reform
More informationWhat Should the Fed Do?
Peterson Perspectives Interviews on Current Topics What Should the Fed Do? Joseph E. Gagnon and Michael Mussa discuss the latest steps by the Federal Reserve to help the economy and what tools might be
More informationDiocese of Rockford. Capital Projects. Procedural Manual
Diocese of Rockford Capital Projects Procedural Manual TABLE OF CONTENTS Letter from Bishop Malloy...1 Diocesan Policy Regarding Hiring Contractors...2 Diocesan Building Commission...3 I. Expenditures
More informationTRUSTEE APPLICATION PACKET 2018
TRUSTEE APPLICATION PACKET 2018 The La Conner Library Board announces a vacancy on the La Conner Library Board of Directors, beginning immediately and running until March of 2022. This is filling the partial
More informationHeartland Monitor Poll XXI
National Sample of 1000 AMERICAN ADULTS AGE 18+ (500 on landline, 500 on cell) (Sample Margin of Error for 1,000 Respondents = ±3.1% in 95 out of 100 cases) Conducted October 22 26, 2014 via Landline and
More informationThe Bible and Personal Finances Part 3
The Bible and Personal Finances Part 3 I imagine that this will not be a surprise to you but savings levels are continuing to decline throughout the United States and debt levels are continuing to rise.
More informationLooking to buy your first home? What to consider when it comes to getting the right loan.
Looking to buy your first home? What to consider when it comes to getting the right loan. Here are the most important things to know before you borrow. If you re looking to buy your first home, chances
More informationTDS Lite. TDS Lite is a simplified version of the official Young Life TDS program. For more detailed information consult Young Life s TDS handbook.
TDS Lite TDS stands for Taking Donors Seriously. It is the official fund-raising program for Young Life areas. Key Assessment Questions Who owns fundraising in the area? Is the vision and commitment for
More information2011 Private Equity. Compensation Report PRESS VERSION
2011 Private Equity 2009 JobSearchDigest Compensation Report 2010 JobSearchDigest.com PRESS VERSION TERMS OF USEljldjlkjljlj NOTE FOR PRESS VERSION: This version of the report is a subset of the data available
More informationGROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want. Prepared for Grant Thornton partners
THE GRANT THORNTON UK LLP GROUP PERSONAL PENSION PLAN GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Prepared for Grant Thornton partners Your Grant Thornton company pension
More informationKansas Policy Survey: Spring 2001 Survey Results Short Version
Survey Results Short Version Prepared by Chad J. Kniss with Donald P. Haider-Markel and Steven Maynard-Moody December 2001 Report 266B Policy Research Institute University of Kansas Steven Maynard-Moody,
More informationLending Services of Local Financial Institutions in Semi-Urban and Rural Thailand
Lending Services of Local Financial Institutions in Semi-Urban and Rural Thailand Robert Townsend Principal Investigator Joe Kaboski Research Associate June 1999 This report summarizes the lending services
More informationIt s inevitable, really.
It s inevitable, really. Given the budget pressure on the Federal government which already includes the use of Continuing Resolutions in lieu of budget appropriations, and may well include automatic sequestration
More informationMONEY IN POLITICS JANUARY 2016
JANUARY 2016 JANUARY 2016 PAGE 2 TABLE OF CONTENTS I. INTRODUCTION... 3 METHODOLOGY... 4 II. EXECUTIVE SUMMARY... 5 III. SUMMARY OF RESULTS... 8 IV. DATA TABLES... 27 V. DEMOGRAPHICS... 50 VI. QUESTIONNAIRE...
More informationCharitable Conversations...
Welcome The Community Foundation of the Holland/Zeeland Area is a public charity that as of 2015 manages over $55 million in charitable assets spread across 475 different funds that have been established
More informationDo Work Benefits Affect Employee Morale?
Parkland College A with Honors Projects Honors Program 2011 Do Work Benefits Affect Employee Morale? Angela Franklin Parkland College Recommended Citation Franklin, Angela, "Do Work Benefits Affect Employee
More information2016 Retirement Confidence Survey
2016 Retirement Confidence Survey A Secondary Analysis of the Findings from Respondents Age 50+ Alicia R. Williams, PhD and Eowna Young Harrison, BS AARP Research https://doi.org/10.26419/res.00159.001
More informationIs Your Mortgage Tax Deductible? 8 Things You Need to Know Before Implementing the Smith Manoeuvre
Is Your Mortgage Tax Deductible? 8 Things You Need to Know Before Implementing the Smith Manoeuvre In this ebook, you ll learn What is the Smith Manoeuvre The secret Debt Formula of Wealthy Canadians Tax
More informationChildren s Disenrollment from MaineCare: A Survey of Disenrolled Families. Erika C. Ziller, M.S. Stephenie L. Loux, M.S. May 2003
Children s Disenrollment from MaineCare: A Survey of Disenrolled Families Erika C. Ziller, M.S. Stephenie L. Loux, M.S. May 2003 Children s Disenrollment from MaineCare: A Survey of Disenrolled Families
More informationTTC/EY Tax Reform Business Barometer
TTC/EY Tax Reform Business Barometer Views on the prospects for, and key aspects of, federal tax reform May The Tax Council (TTC)/Ernst & Young LLP Tax Reform Business Barometer (the Barometer) assesses
More informationForming a Vision, Plan and Priorities
A PARISH FUNDING PROGRAMME Resource 2 Forming a Vision, Plan and Priorities There are many possible catalysts for embarking on a new Parish Vision. Typical examples are: The arrival of a new incumbent
More informationAmericans Say Tax Plan Helps Wealthy, Not Middle Class Republicans Expect Economic Boost, but not Personal Tax Cut December 3-5, 2017
CBS NEWS POLL For release: Thursday, December 7, 2017 7:00 am ET Americans Say Tax Plan Helps Wealthy, Not Middle Class Republicans Expect Economic Boost, but not Personal Tax Cut December 3-5, 2017 The
More informationTreasurer s Report CMC-Global (ICMCI) Presented to the 2016 CMC-Global Annual Meeting. Toronto
OFFICERS Chairman Sorin Caian CMC Romania sorin.caian@icmci.org Treasurer Dwight Mihalicz CMC Canada dwight.mihalicz@icmci.org Treasurer s Report 2015-2016 CMC-Global (ICMCI) Presented to the 2016 CMC-Global
More informationReaching the Top of the Pyramid Achieving Balanced Fundraising Success
Survey of Attendees Achieving Balanced Fundraising Success Michael R. Morse II, MS, CHA Vice President, Organizational Advancement Haven Hospice mrmorse@havenhospice.org / 352.379.6226 Background/job responsibilities
More information5 Things to Consider before Opening an Account to Invest in SGX stocks
5 Things to Consider before Opening an Account to Invest in SGX stocks Hi friends, I m Ian, a Malaysian. I m not a citizen or a Permanent Resident (PR) of the Republic of Singapore. I don t possess a Singapore
More informationExpanding Financial Inclusion in Africa. SILC Meeting, Photo By Henry Tenenbaum, May 2016
Expanding Financial Inclusion in Africa SILC Meeting, Photo By Henry Tenenbaum, May 2016 SILC Financial Diaries: Case Study High-Income, High-Variation Household October 2016 Authors This case study was
More informationTHE ASSOCIATED PRESS POLL CONDUCTED BY IPSOS-PUBLIC AFFAIRS RELEASE DATE: AUGUST 19, 2004 PROJECT # REGISTERED VOTERS/PARTY IDENTIFICATION
1101 Connecticut Avenue NW, Suite 200 Washington, DC 20036 (202) 463-7300 Interview dates: Interviews: 1,001 adults Margin of error: +3.1 THE ASSOCIATED PRESS POLL CONDUCTED BY IPSOS-PUBLIC AFFAIRS RELEASE
More informationPreserving and Transferring IRA Assets
january 2014 Preserving and Transferring IRA Assets Summary The focus on retirement accounts is shifting. Yes, it s still important to make regular contributions to take advantage of tax-deferred growth
More informationINTRODUCTION. This manual provides the guidelines for a Pressure Relief Group Meeting (PRGM)
INTRODUCTION This manual provides the guidelines for a Pressure Relief Group Meeting (PRGM) Above all it should be stressed that the gambler has a gambling problem not a financial problem. Most new members
More informationCOPYRIGHTED MATERIAL. The Check Is in the Mail. Get Paid to Invest with Dividends
Chapter One The Check Is in the Mail Get Paid to Invest with Dividends T HE CONTROLLER OF MY COMPANY IS NAMED PAM. Besides being a great controller, Pam has a great smile, one of those toothy ones that
More informationHOME BUYER GUIDE (PART 1)
HOME BUYER GUIDE (PART 1) Welcome to the Home Loan Advice Centre Home Buyer Guide. The information contained within this Home Buyer Guide is Home Loan Advice Centre s compilation of information, tips,
More informationECO LECTURE THIRTEEN 1 OKAY. WHAT WE WANT TO DO TODAY IS CONTINUE DISCUSSING THE
ECO 155 750 LECTURE THIRTEEN 1 OKAY. WHAT WE WANT TO DO TODAY IS CONTINUE DISCUSSING THE THINGS THAT WE STARTED WITH LAST TIME. CONSUMER PRICE INDEX, YOU REMEMBER, WE WERE TALKING ABOUT. AND I THINK WHAT
More informationP1: TIX/XYZ P2: ABC JWST JWST075-Goos June 6, :57 Printer Name: Yet to Come. A simple comparative experiment
1 A simple comparative experiment 1.1 Key concepts 1. Good experimental designs allow for precise estimation of one or more unknown quantities of interest. An example of such a quantity, or parameter,
More informationThese are the members of BAPC s current APNC.
This is the slide show that was presented by the Associate Pastor Nominating Committee (APNC) at Bon Air Presbyterian Church s (BAPC s) congregational meeting on October 7, 2018. These notes are supplied
More informationNEW. IRA ROllOVERS WITH. By Charles Schultz, J.D. Integrated Marketing for Planned Gifts. Copyright 2016 Crescendo Interactive, Inc.
NEW WIH IRA ROllOVERS By Charles Schultz, J.D. Integrated Marketing for Planned Gifts Copyright 2016 Crescendo Interactive, Inc. nnual funds have been A built up by nearly all organizations. Charities
More informationFinancial Report: Year ended 31 March 2017
Introduction Financial Report: Year ended 31 March 2017 This report sets out the Centre s financial performance for the year which ended on 31 st March 2017. The summary accounts are shown in the second
More informationAllocation / Assessment
Strategic Resource Allocation / Assessment CSU Fullerton Larry Goldstein President, Campus Strategies September 23, 2008 Campus Strategies 1 Agenda Resource allocation through budgeting Various budgeting
More informationECONOMICS U$A 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS Annenberg Foundation & Educational Film Center
ECONOMICS U$A 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS ECONOMICS U$A: 21 ST CENTURY EDITION PROGRAM #24 FEDERAL DEFICITS (MUSIC PLAYS) ANNOUNCER: FUNDING FOR THIS PROGRAM WAS PROVIDED BY ANNENBERG
More informationCUNA/LEAGUE 2015 EXAM SURVEY REPORT February 2016
CUNA/LEAGUE 2015 EXAM SURVEY REPORT February 2016 Prepared by: Mike Schenk Connie Dey-Marcos Jon Haller SURVEY METHODS and RESPONDENT PROFILE In October, 2015, CUNA s News Now included an article reminding
More informationCARIBBEAN EXAMINATIONS COUNCIL
CARIBBEAN EXAMINATIONS COUNCIL REPORT ON CANDIDATES WORK IN THE CARIBBEAN SECONDARY EDUCATION CERTIFICATE JANUARY 2009 PRINCIPLES OF ACCOUNTS Copyright 2009 Caribbean Examinations Council St Michael Barbados
More informationGroup solicitations require the approval of the Director of Institutional Advancement.
Charitable Giving Policy Section A: Soliciting/Accepting Gifts and Donations Carmel Catholic High School welcomes expressions of interest and financial support, solicited or unsolicited, regardless of
More informationTHE AURUM COMPANY PENSION GROUP PERSONAL PENSION. A guide to help you prepare for the retirement you want
THE AURUM COMPANY PENSION GROUP PERSONAL PENSION A guide to help you prepare for the retirement you want Your AURUM company pension is provided by Scottish Widows. SUPPORTING LITERATURE AND TOOLS TO HELP
More informationEUROSTAT Conference "Towards Implementing European Public Sector Accounting Standards", Brussels, May 2013
EUROSTAT Conference "Towards Implementing European Public Sector Accounting Standards", Brussels, 29-30 May 2013 The need for fiscal transparency and harmonised public sector accounting standards Olivier
More information