November 2014
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Stewardship 

Do you have a plan for stewardship education in your congregation? How do you create a culture in your church that champions good stewardship of members' time and talent treasure? Check out articles on organizing your congregation for effective stewardship and much more at:  

http://www.lcms.org/stewardship/resources#newsletterarticles 

 Personal Finance
Concordia Plan Services has some excellent "Money 101" personal financial management information on their website. Along with a Recommended Reading List, you will find "Relationships and Money, Budgeting, Debt Management and Retirement Planning." This is a good, basic place to start your personal financial makeover!
 Church Financial Topics
For questions on running the business of the church, check out a great resource from Synod, available online at
http://www.lcms.org/resources/ctmanual. The manual covers financial accounting, fiscal review, tax issues and general business management for a congregation.
 Rostered Church Worker Loans
If you are a rostered church worker in the LCMS, LCEF may have a loan for you! Whether it is debt consolidation, housing or home equity borrowing, good rates and excellent service will help you realize your plans. Check out the rates and terms today at http://www.lcef.org/loans/personal.cfm.
 LCEF

November Rate Sheet
 Investments
ConnectPlus is a new savings opportunity for LCMS members who aren't LCEF investors today. Check out the attractive rate and offering circular at http://lcef.org/investments/term_notes.cfm. 
"Supporting your ministry as you reach out with the good news of Jesus Christ"Dennis Johnson
LCEF Vice-President
dennis@nwdlcms.org
NORTH WISCONSIN DISTRICT OF THE LUTHERAN CHURCH MISSOURI SYNOD
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