Showing posts with label retirement. Show all posts
Showing posts with label retirement. Show all posts

14 October 2015

Crippling Crisis or Open Opportunity? Voluntary Retirement of Hundreds of SBC Missionaries

The International Mission Board (IMB) is the core business of the Southern Baptist Convention (SBC). All human efforts and institutions are marred by sin and the SBC has not been immune to that. It is no secret that the beginnings of the SBC are tainted by connections with slavery as the SBC was formed in 1845 with the express purpose of allowing slave-holding Baptists to be sent overseas as missionaries. Southern Baptists have long since repented for that sin and have denounced slavery and racism in any form. I don't know what the current statistics are because I have lived outside of the U.S. as a Southern Baptist misisonary for most of the past almost 30 years. However, in the early 1980s, Southern Baptists in the U.S. worshipped in more than 80 languages on any given Sunday. But, the primary focus of the SBC has remained taking the good news of Jesus to the world.

The worldwide economic crisis of 2008, combined with dramatic changes in the culture of churches affiliated with the SBC, led to a financial crisis for the IMB. Over the past 6 years, expenditures by the IMB have exceeded revenues by approximately $35 million per year. (Disclaimer: While I would like to give exact figures, I don't have those. These are round figures.) A large portion of that has been covered by the sale of property around the world — houses that were not needed, offices that were no longer being used, etc. The remainder of the overexpenditures were covered by spending crisis reserve funds. In addition, there were efforts to reduce expenditures by reducing appointments, by making huge reductions in overseas budgets, by offering a voluntary retirement package to some US staff in 2010. The number of overseas missionary personnel had been reduced from a high of 5,600 to the current 4,800. Those measures were not close to being sufficient.

While the IMB has not been in debt in many, many decades, it was clear to leadership that a crisis point had been reached as there were no longer sufficient reserves to cover the overexpenditures nor was there sufficient remaining property, the vast majority of which is currently being used, that could be sold to provide resources. Something had to be done and had to be done right now!

Much to the surprise and dismay of hundreds of thousands of Southern Baptists, on 27 August, the IMB President, Dr. David Platt, announced that it was necessary to reduce IMB staff, both in the US and overseas, by 600-800 people (that's approximately 17%). To accomplish that, a Voluntary Retirement Incentive package was to be offered and those who accepted would be retired as of 3 December 2015. No other details were announced and no one outside, perhaps, of senior leadership knew who would receive that offer. Two weeks later, Southern Baptists were again shocked to learn that the VRI package would be offered to all US staff and active, long-term missionary staff who were 50 years old as of 31 December 2015 and who had served with the IMB for 5 or more years.

Though it is a tragic and devastating decision to have to make, it is not my purpose to oppose the decision. Given what I know, I don't know what else could have been done. However, the results of the decision are huge — morale overseas is very low, I hear that morale among US staff is also low. There are many reasons for that — the dramatic reduction of personnel available to share the good news of Christ with a dying world, the loss of so many experienced colleagues, the disarray this has introduced into the lives of those asked to consider retiring and, to an even greater extent, the lives of those who are accepting retirement much earlier than anticipated and without adequate time to prepare.

Don Dent, a former missionary and field leader with the IMB, has expressed the challenge well … how will Southern Baptists respond to this?
Too Valuable To Lose - Our Core Business 
DON DENT·WEDNESDAY, OCTOBER 14, 2015
When the Southern Baptist Convention was formed in 1845, our Baptist predecessors were primarily motivated by a vision to fulfill the Great Commission by sending missionaries to the nations. Other convention ministries were added as needed, but missions was the core business and the FMB (now IMB) was the primary channel. For the past 170 years sending missionaries has been the primary strategy of the IMB. From a small start in 1845, the IMB has developed over the past 40 years into the largest, and one of the most effective, Protestant mission agencies in the world. Sending God-called, long-term missionaries is the heart of the IMB and the SBC. We are presently in danger of losing our core business. That loss, which we can still avoid, will be irreversible and unrecoverable. 
I am not an insider and do not have the latest statistics, but let’s project a bit about missionary personnel gains and losses at the IMB these days. 
  1. We know that we are losing approximately 800 mission veterans, many at the height of their expertise. Only a handful of mission agencies even have that many missionaries or committed staff. The sudden loss of thousands of years of mission experience is a catastrophe, in spite of the positive spin we put on it. This drawdown of personnel and ministry follows one just as large seven years ago. Only time will tell the consequences in terms of missionary morale, values, and ethos.
  2. At the other end of the personnel spectrum is the constricted channel for sending new missionaries. We must continue to send new missionaries, but far more are called and equipped to go than there are openings to send them. We have the resources to send them, but our personal and church spending is way out of proportion with God’s priority of reaching all nations. Praise the Lord we can send about 150 new long-term missionaries per year, but that will likely only sustain a total of about 2200 missionaries over the long haul.
  3. In addition to the catastrophic exit of hundreds of veterans and the constrictions on new missionary appointments, many IMB missionaries in the middle are experiencing a loss of morale, trust, and focus. So, what happens now when the 40 year old missionary with 10 years experience who has reached full effectiveness gets an offer to pursue ministry in the US? What will he do considering he wonders when the next cutbacks will happen and that they may not allow for adequate preparation? I pray that it does not happen, but it seems likely that missionary attrition in the middle stages will increase unless Southern Baptists turn this around.
Unless the churches show increased support in prayer and LMCO, then we will likely not stop sliding at 4000. It might not take long to drop to 50% of our high mark of 5700 in 2008. This pattern of mission decline mirrors that of mainline denominations after WWII as a result of liberal influences. Southern Baptists have largely avoided outright liberalism, but the results look the same. Our denominational withdrawal from the nations is happening largely because Southern Baptists do not recognize the treasure we have in the International Mission Board. 
Recently, I had the privilege to read a detailed study of several church planting movements taking place in one of the most unreached areas of the world. In each of those movements a long-term, extremely well-trained, deeply experienced, language fluent, passionate, Spirit-led, sacrificial IMB missionary family is the human catalyst that God is using to bring honor to Himself. No other form of mission service comes close to this model in terms of effectiveness. 
The new IMB vision emphasizes increased engagement of the nations through short-term service, missionaries sent directly by their churches, and tentmakers. These are not new concepts or channels for the IMB, but IMB vision now emphasizes these “non-traditional” forms of service. I wholeheartedly believe that all three of these types of service are important and need to be increased. However, field experience of hundreds of teams shows these mission approaches rarely reach the level of effectiveness of the long-term, supported missionary. If these are added as affiliated subsidiaries to the core business of sending supported missionaries, then that maximizes their potential. If our core business is neglected to the point of continued drawdown, these other forms of service will also suffer. God will know, but we may lack the corporate expertise to know how ineffective we will be. 
Business leadership books emphasized risk taking and constant innovation back in the financially exciting 1990s. Then the IT bubble burst and many of those popular authors lost their shirts and businesses. Later studies of great companies published by Jim Collins and Morten Hansen in Great By Choice explain that companies that thrive in chaos show great discipline and make careful decisions based on empirical info. They also stay focused on their traditional values and core business while innovating at the edges. Change is needed to face the challenges of today, but if we lose our core business we will likely not thrive in the future. 
Southern Baptists can continue to thrive as a missions force in the years ahead by valuing and supporting long-term missionaries. If losing 800 personnel is a wake up call, then we can get back on track and even expand our kingdom impact. If we continue to devalue and neglect our long-term mission force, this present crisis will continue as a slide into ineffectiveness and decreasing mission impact. It really is up to us to determine which way we are heading. If we increase our Lottie Moon giving over the next few months and pray more passionately for our missionaries, things will look up quickly.

It's something worth thinking about … in fact, it's something that Southern Baptists and other Christians must think about.

Run well, y'all,
Bob Allen
Kampala, Uganda

07 January 2014

Book Review: "The Total Money Makeover"

Read this book and put the principles into practice. You have to do both. If you're only going to read it, don't spend the money on the book in the first place.

I had just talked to one of my brothers and sisters-in-law about Dave Ramsey's financial advice and books when I checked on available books via Thomas Nelson's blogger review programme, Booksneeze. Ramsey's book, The Total Money Makeover, was available, so I decided to see what I thought. My brother and sister-in-law are big fans. She says Ramsey's advice helped her see the error of her own financial management. And, while I don't think of them as wealthy, they are financially comfortable.

Let me acknowledge that this book was not really written for me (just shy of 60 years old). It barely addresses financial issues that I face as I don't have 20 years before retirement. We do use credit cards but have no debt, have an adequate nest egg, and our kids are already through with university.

First impressions: a lot of hype and a lot of cliches and sound bites. I've never listened to Ramsey's radio programme but I often felt like I was reading a transcript, particularly in the first part of the book, which seemed primarily motivational. That is fine, but I didn't really need that.

All of that being said, this is an excellent read for anyone who has consumer debt or who is undisciplined with finances or who has 20 years or more before retirement. Ramsey lays out clear principles and plans for controlling one's finances rather than letting them control you. And, it doesn't matter whether one has an annual income of $25,000 or $225,000 — the principles and the plans apply. In fact, this book may be more important for the one with the $25,000 income.

Ramsey's primary messages, though he doesn't use these phrases, "get out and stay out of debt — avoid it like a plague" and "be laser-focused on working your financial plan" (Ramsey's phrase is "focused intensity"). His advice is sound, though it may be unconventional:
  • Quickly set aside a starter emergency fund
  • Get rid of consumer debt, starting with the smallest debt first — early success is a strong motivator for future effort.
  • Complete your emergency fund
  • Maximize retirement savings
  • Save for your kids' college
  • Pay off your mortgage
  • Build wealth
  • Give, have fun, invest
His motto is, "If you will live like no one else, later you can live like no one else."

For me, the biggest weaknesses of the book are:
  • It's cliche-ridden — to be fair, though, he warns the reader up front that it will be.
  • I think he doesn't make a strong enough emphasis on giving early in the book. One could get the impression that giving doesn't begin until one has built wealth.
  • He doesn't address what to do if one is within 10 years of retirement and doesn't have decades to build wealth.
But, none of those weaknesses detract from the importance or helpfulness of The Total Money Makeover.

Run well, y'all,
Bob

[DISCLAIMER: I received a free copy of this book from the publisher in exchange for an honest review of the book. My future participation in the program is not dependent on how I review the book, I'm free to write the review that I think the book deserves.]