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Building The Church Together

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Title: Building The Church Together


1
Building The Church Together
  • Stewardship Kaleidoscope
  • Fort Worth, Texas
  • March 11, 2008

Jay Hudson Presbyterian Investment and Loan
Program
2
Workshop Description
  • The workshop is for anyone planning to
    construct a new church facility or ready to
    remodel and older church for mission and
    ministry. We will explore the importance of
    understanding your ministry as a foundation for
    location , style, design, cost and financing.

3
Reason For Being
  • Too frequently the quest for a new facilities
    becomes an end in itself.
  • The real purpose of growing a vibrant community
    of Christians can get lost.

4
Starting Point Understanding your Ministry
  • Congregational Ministry is about evangelism,
    stewardship and growth of congregations that
    worship, serve, teach and provide pastoral care.
  • Buildings reflect cultural, political and
    religious context of the particular community of
    faith.

5
Ministry Plan
  • What is the purpose of our ministry
  • What have we accomplished?
  • What is different today from when the purpose was
    first formed?
  • How do we see this ministry in 3 to 5 years?

6
The Millennial Matrix Rex
Miller
  • Oral 4000 BC - 1500 AD
  • Print 1500 AD 1950 AD
  • Broadcast 1950 2000
  • Interactive 2000 - Present

7
Comparing the Media
8
Madonna Art Through the Ages
Digital Performance Art
Print Real detail
Oral Experience Of the Holy
Broadcast Deconstruct reconstruct
9
Church Architecture
PrintForm/Function
Digital Context
Broadcast Platform
OralMetaphor
10
Medium as Message
  • The dominant medium becomes our cultural
    metaphor Neil Postman in Amusing Ourselves to
    Death

11
Characteristics of Digital Media
  • Interconnection
  • Complexity
  • Acceleration
  • Intangibility
  • Convergence
  • Immediacy
  • Unpredictability

12
Media and Worldview
  • Media
  • Print
  • Broadcast
  • Digital
  • Worldview
  • Modern
  • Post-Modern
  • Emerging

13
Ray Oldenburg The Great Good Place
  • What happens in our homes and work places is
    shifting and many are seeking a third place to
    tell their stories and make meaningful connections

14
Third Places
  • Informal gathering places
  • Nourish relationships
  • Serendipity
  • Relax and unwind
  • Encourage sociability
  • Free or inexpensive
  • Food and drink available
  • Expect to see old and new friends
  • Comfortable walking distance

15
2010Third Places 35-30-35
  • Starbucks It is a place our customers come
    for refuge
  • Nancy Orsolini, District Manager
  • North Americans are increasingly attracted
    to median spaces (Barnes and Noble) when they
    want to develop relationships and find emotional
    and spiritual connections.
  • Sally Morganthaler

16
Krispy Kreme Make the process the attraction
You watch it, you smell it, you try it, you buy
it and you love it!
17
Harley Davidson Rebel Lifestyle
What we sell is the ability of a 43-year-old
accountant to dress in black leather, ride
through a small town and have people afraid of
him. Harley Executive
18
So what is the Church Offering?
  • A product?
  • A Process?
  • A relationship?
  • A Promise?
  • An Experience?
  • An Outcome?

19
God is in the Blueprints
  • All church buildings tell stories about the
    people who build them and their understanding of
    God and how God meets the community of faith
  • Emphasis on entering
  • Democracy
  • Informality
  • Natural Light
  • Electronic Sound
  • Semicircular seating

20
Plan A Better BuildingThomas Dolan
  • Traditional Church architecture symbolizes the
    church in the world, but not of it.
  • Contemporary design reaches out to embrace the
    community
  • Modern vs. Traditional
  • Mixed-Use Development
  • Warm Welcome
  • Activity-oriented Design
  • Technology

21
Site Selection
  • For new churches this is often done by the
    presbytery
  • When existing congregations move they should seek
    one acre for every 100-150 people
  • The old guideline for suburban sites was three to
    five acres of usable land on a main thoroughfare
    at a cross street
  • Urban and rural settings are different

22
Site Selection
  • Verify that all utilities are available
  • Check zoning restrictions
  • Parking and sports fields require the most
    property
  • City required parking ratios vary from 13 and
    15
  • Rectangles are easiest and most efficient
  • Neighbors

23
Site Purchase Resources
  • Gifts
  • Presbytery resources
  • Congregational resources
  • Capital campaign
  • General Assembly Loan Up to 400,000 with 20
    year amortization, 4 interest only for the first
    5 years, 6 interest for the next 15 years and no
    prepayment penalty. Obligation can shift from
    presbytery to congregation.
  • Other debt financing

24
Crosswinds Presbyterian Church, Phoenix, AZ
25
Crosswinds Presbyterian Church, Phoenix, AZ
26
Moorpark Presbyterian Church,Moorpark, CA
27
Moorpark Presbyterian Church,Moorpark, CA
28
What can we afford?
  • Savings
  • Capital Campaign
  • Operating Budget
  • Preliminary Look

29
Finding financing
  • Guideline 2.5 to 3 times the annual budget
  • General Assembly Loans
  • Synod Loans
  • Bank Loans
  • Terms Interest- Adjustment - Guarantees

30
General Assembly Loan Terms
  • 20 year amortization
  • 5.25 first 450,000
  • 6.25 from 451,000 up
  • 4.25 for New Church Developments
  • One-year adjustable over 1 million, Two-year
    adjustable under 1 million

31
Supporting Church Growth Through Presbyterian
Investors
  • What is the Presbyterian Investment Loan
    Program?
  • A nonprofit corporation of the Presbyterian
    Church (U.S.A.).
  • Created to support the growth of mission and
    ministry of Presbyterian congregations and
    related entities through low-cost mortgages.

Our mortgages are made possible by Presbyterian
investors.
Term Notes
Loan Funds
Loan Repayments
Interest
32
Connecting Presbyterian investors with the growth
of Presbyterian churches!
  • Who are our investors?
  • Individual members and clergy of Presbyterian
    churches
  • Presbyterian congregations
  • Presbyteries, Synods and General Assembly
    agencies
  • Other related entities of the Presbyterian Church
    (U.S.A.)
  • How do you invest?
  • Individuals and congregations purchase
    interest-bearing Term Notes.
  • Governing bodies and entities purchase Depository
    Account Receipts.
  • Investment terms range from six months up to five
    years. At the end of the term chosen, investors
    may reinvest for another term or withdraw the
    funds. Minimum investment is only 500.00.
  • Individuals may also invest through their IRA
    accounts.

33
HOW INCREASING INVESTMENTS HELPS THE CHURCH
100
Earns A Full 1 Point Rebate
75
Earns A ¾ Point Rebate
50
Earns A ½ Point Rebate
35
Earns A ¼ Point Rebate
20
Required To Get Base Loan Rate
34
Current Capital Projects
How common are loans among Presbyterian churches?
35
Typical Capital Projects
How much do churches typically borrow?
8
36
Current Plans for Capital Projects
Are other Presbyterian churches
expanding/renovating?
8
37
Case Study
  • Total Project Cost 1,650,000
  • Annual Budget 350,000
  • Giving units 172
  • Capital Campaign 460,722 over 3 years
  • 92 Payout 423,910
  • 150,000 of first year pledges put into project
  • Loan Sought 1,650,000

38
How does our project compare with lending norms?
9,593
7,500
DEBT PER GIVING UNIT
CASH FLOW COVERAGE
DEBT AS OF TOT. REVENUE
39
25
125
98.5
39
How does our project compare with lending norms?
9,593
1,200,000 Loan
7,500
6,976
DEBT PER GIVING UNIT
DEBT AS OF TOT. REVENUE
39
CASH FLOW COVERAGE
25
29
135
125
98
Norm
Norm
Norm
Level B
Level B
Level B
Level A
Level A
Level A
40
Loan Terms FAQs
41
Hiring professional fund raisers
  • Do they understand your ministry? Are they
    intrigued by it?
  • Beware if they do not think your particular
    situation makes a difference
  • Preliminary Look

42
Specific questions for professional fund raisers
  • Who will be working directly with you?
  • Who were this persons last three clients?
  • Interview them
  • What were their goals and what was the result?
  • What would they do differently?

43
Typical Capital Projects
What does the typical capital campaign generate?
Disproportionately more comes in the first year.
44
Critical Choice
  • Design Bid- Build In this model you hire an
    architect to do preliminary drawings, interaction
    with many groups and individuals, make changes,
    hire an engineer, complete final drawings,
    Solicit bids from contractors, chose a
    contractor, confirm financing, make selection,
    and begin building
  • Design- Build In this model you select an
    architect and a builder who become part of a team
    that works with the local committee, who controls
    budget.

45
Selecting an architect
  • Interview other church clients
  • Projected costs, bids, final costs
  • Has the firm won awards?
  • Expertise in local codes?Expertise with multiple
    member client?

46
Building Options
  • Master plan with phases and timeline
  • Multi-purpose facility
  • Worship space

47
Building The Church Together
  • Stewardship Kaleidoscope
  • Fort Worth, Texas
  • March 11, 2008

Jay Hudson Presbyterian Investment and Loan
Program
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