Finance & Stewardship

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PAR Authorization Form

Note: “While PAR giving through a credit card is an option, the credit card companies do subtract their fee from the amount that goes to Knox. PAR giving through a bank is preferred for this reason.”

Use PAR to Move up a Bracket
The 2015 Knox Stewardship Campaign for general giving aims for
100 PAR givers and a bracket leap for all!

What does having a viable healthy church mean to you? Many people are too stretched to attend every Sunday, but most people can foresee times when they want a church, its ministers and its loving community in their lives. These times include:
  • Family weddings, which are more memorable and special in a beautiful church like Knox
  • Baptisms
  • Christmas Eve services with candlelights and caroling
  • Easter celebrations
  • Funerals. Clergy and community are needed for funerals and moral support when loved ones pass away.
    Knox provides all of these services. The Knox building also hosts Agape table, Opening Our Doors, Hearts of Knox, Golden Age luncheons, Lake of the Woods Concert Series, Festival of the Arts and many other important community services and functions.
This is where you come in. Our Knox United Church needs you and your stewardship so it can be here when you want to celebrate, when you need its spiritual guidance and support or when the community needs a place to be, belong and become.
Please consider what a healthy Knox United Church in Kenora means to you as you set your giving goals for 2015 and beyond.
The Finance & Stewardship Interest Group 2015 campaign for General Giving is focused on two goals:
1) PAR of 100. We want to increase the number of people giving through pre-authorized remittance (PAR) to 100. PAR is an automatic withdrawal from your bank each month for a set amount that you determine. This provides a steady stream of income to Knox all year long, even for those weeks or months that you’re away. Knox benefits from PAR giving because salaries and utility bills have to be paid each month, and it helps to have a predictable revenue stream.

Knox households on PAR

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The 2015 goal to reach 100 PAR givers sounds ambitious, but we have 63 households using envelopes and 49 identified casual givers. With this campaign, we hope to move a large number of them to PAR!
2) Bracket Leap! We encourage all people of Knox to look at their current giving bracket and consider a move into the next bracket. This strategy was employed about a decade ago, so some of you may remember it. We’ve brought it back.

Brackets in 2014

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Joining PAR can make it easier to move up a bracket simply by spreading your usual offering throughout the whole year, even for those weeks when you’re away.
 To give an example, the $1,000 per year bracket is $20 a week. If you attend half the Sundays in a year and give $20 each time, setting up an automatic payment of $20 a week (or $80-$100 per month) through PAR will quickly move you into the next bracket.
If leaping to $2,000 from $1,000 a year is too much, set your own bracket goal. Givings of $120 a month add up to $1,440 a year.
To set up your giving routine or to increase your PAR amount, pick up a form at the back of the church, or talk to Cheryl Dyck in the Knox office. She has the forms and knows how to fill them in.
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    Giving of a Legacy 

Cartoon from Hofley

Why leave a legacy gift to Knox? A church is one of the few places – perhaps the only place – where all generations come together on neutral turf. Sure you’ll find grandparents and parents at the hockey rink, or at school concerts. In a church – at church – we are here together, side by side, to learn through church messages how to love and accept each other, and how to be a community. You may not realize how rare that is! A church community can be especially important for families new to Kenora who don’t have parents and grandparents in town. The care and love that a church family has for each other, and for those outside our church walls, is essential to our society. That is why leaving money to Knox is important. Grandparents and parents at the hockey rink, or at school concerts, in a church – at church – we are here together, side by side, to learn through church messages how to love and accept each other, and how to be a community. You may not realize how rare that is! A church community can be especially important for families new to Kenora who don’t have parents and grandparents in town. The care and love that a church family has for each other, and for those outside our church walls, is essential to our society. That is why leaving money to Knox is important.

A legacy gift is not an offering gift. A legacy gift comes from a donor’s estate or accumulated capital assets.

As Kathryn Hofley said in her presentation last fall, “Legacy giving is an opportunity for us to give thanks for the past and build into the future.” She included a quote from Jane Jacobs, who said, “All of us, if we are reasonably comfortable, healthy and safe, owe immense debts to the past. There is no way, of course, to repay the past. We can only pay those debts by making gifts to the future.”

You have just two decisions when it comes to legacy giving. Will I do it? – which is what Hofley calls the “heart” decision. And how will I do it? – which Hofley calls the “head” decision.

Your “how” Options

There are six common methods. Each has its own merits, and each qualifies for charitable tax benefits, either for you or your heirs – depending on which type you choose.

  1. Transfer of publicly listed securities, such as stocks or a mutual fund. Through this method, you can make a gift now without depleting your bank account.
  2. Last will and testament. Add a direction in your will to give moneyor property to “Knox United Church”, Kenora, or its successor.” It is important to use the phrase “Knox United Church, Kenora, Ontario, or its successor, because there are many Knox United Churches so you have to be specific that it’s the Kenora church, and “or its successor” will make sure your gift goes to the church even if it goes through a name change or amalgamation.
  3. Make “Knox United Church, Kenora, Ontario, or its successor” a beneficiary of one of your RRSPs or RRIFs.
  4. United Church of Canada (UCC) charitable gift annuities. The UCC issues and self-insures its own annuities. The annuity pays a guaranteed income to you for life, and at death, the church receives what is left of the annuity.
  5. Life insurance. Make the church the beneficiary only, or both the owner and beneficiary of a new or existing policy.
  6. Create a personal endowment fund that will contribute to the church, or contribute to an existing UCC endowment fund. An endowment fund contributes a minimum of 3.5% of the principal of the fund each year. You can establish or add to endowed fund any time, including at death through a bequest, insurance policy or other legacy gift.

Legacy gifts do not have to go to one specific church. They can do to the UCC’s Mission and Service ministries or World Development and Relief. Or you can give to a United Church outreach ministry, an education ministry, or camp. You could even divide your gift among the church in Kenora and these other options.

Across Canada, United Churches have received $19.3 million per year in legacy gifts, on average, over the past 10 years. Knox United in Kenora has received five bequests over the past 15 years, but only two in the past 10 years – probably because we don’t talk much about the opportunities. Legacy gifts to Knox, ideally, are left open “to the general work of the church.” These gifts can be used to fund outreach or Sunday School programs, to make the church more hospitable as an emergency shelter, or to maintain the sanctuary – to give a few examples.

While an offering is a general gift to fund day to day operations of the church, a legacy gift can be more personal, and align with your greater vision for the church. This gift will be part of your…well… legacy.

For more on legacy giving, please pick up a brochure at the back of the church or contact Kathryn Hofley in Winnipeg at (204)943-4844 or khofley@united-church.ca. Visit the website also www.united-church.ca/getinvolved/donate/howto/planned.

Recent legacy gifts to Knox:

  • 1998 $17,759 (Bequest)
  • 1998 $500 (Bequest)
  • 1999 $22,845 (Gift Annuity)
  • 1999 $50,937 (Bequest)
  • 2003 $1,000 (Bequest)
  • 2008 $64,447 (Bequest)
  • 2012 $15,000 (Gift Annuity)

Some of the projects that this money has assisted with:

  1. Salary for an interm
  2. Sound System
  3. Floor Cleaner
  4. Office laptop
  5. Carpet for the Quiet Room
  6. Dishwasher
  7. Missions
  8. Roof
  9. Window Sills
Copyright © 2013 Knox United Church, Kenora. All rights reserved.

“May the grace of Lord Jesus Christ, and the love of God, and the fellowship of the holy spirit be with you all”
2 Corinthians 13-14