APRIL 2019
NEWSLETTER
Letter From Brian Alnes

Prayer Partners

Calling all Prayer Warriors!! We want to have a Power Team in place for the 2019 Summer season. If you are willing to receive prayer requests and are committed to taking time each week to pray specifically for the requests, we want you to email  brian@lbbc.com . We are looking for your name, email address and hopefully a phone # so if we need to make contact with you, we can. Let us know if you prefer Email or Text message prayer requests, and we will get it all set up on this side.

Current prayer requests to start off with:
 
* Summer Staff is coming together, but we do still have a few key spots open. We need a Worship Leader, Wrangler, Male Counselor, and Activities people. We have some  amazing names and many spots hired, so we are excited about that. But there are still a few to go.

* Projects around camp. There are still a lot of things going on and the need for people, time, talents, and finances are a real deal. We are looking really good for most of what we want to have in place by Staff Training but keep praying.

* We are very encouraged about what God has brought to the year-round staff team with the talents and dedication of the newest staff members.

* Those campers who have not yet signed up for camp. Early bird registration ends next  week, and we want to make sure that we get them registered for camp before the early bird ends.
 
* Solid Rock - our students are finishing their year and graduation is May 11. Pray the students and professors finish well! Pray also for preparations for next year and next year's student class.

* Volunteers - We want to be praying from now through the summer that the volunteers that we need will find their way to LBBC and get registered.

* Final prayer request - That we would be prepared in all facets of programming, recruitment and planning for Summer 2019, so the Holy Spirit has the space to transform lives.

If you are interested in receiving prayer requests each week/ day let us know. If you are interested in coming to camp for a day with a team of people to just be here to pray over camp, let us know and we will get you on the schedule.

Call Brian at 320-320-2199 or email him at brian@lbbc.com
Greetings From Lake Beauty!
Memorial Day Family Camp

Come join us this Memorial Day weekend for a time full of family-gatherings, activity-loving, and conscious-minded speaking.  Join our team as we celebrate the start of summer with mountain bikes, swimming in the lake, and other activities that scream good weather and vibes.  

Our speaker will be John Skelly who hails all the way from Van Buren, Arkansas. John is a licensed Professional Counselor and has been working in the Fort Smith area for over 25 years.  He specializes in assisting children, youth and families through an encouraging and hope-filled therapy style. John will be joined at camp by his wife, Jennifer, while he is speaking. You can learn more about John by going to his website, Freshrootsfamilycounsiling.com.

If you would like more information about family camp, please call our offices, email lbbc.com, or go to our website for prices, activities, and accommodation options.


Early Bird Discount:

Are you a camper or a parent of a camper who is planning on coming to LBBC this summer? If so, you won't want to miss our Early Bird Discount. The discount is available until Monday, April 8. Frontier Kids campers can save $10 and Trailblazers, Jr High and Sr High save $20 each if they register ONLINE by April 8. 

If you have any questions, feel free to call camp or send us an email at: lbbc@lbbc.com

Fall Quilter Registration

We wanted to also let you know of our Fall Quilt Retreats. Registrations are open and filling up fast. If you are interested go over to our website and register for one of the Fall Quilt Retreat Sessions.

These are the dates for our Fall Quilt Retreats:

- November 8th-10th
- November 11th-14th
- November 15th-17th

For more information you can download our flier  here 



Scholarships Available for 2019-2020 Applicants!

Thanks to continued generosity of donors to our SR Scholarship Fund, we are now able to offer up to $1000 in scholarships to every accepted SR student for the 2019-2020 school year. This brings the total cost of Solid Rock down to $11,500 for the 2019-2020 year. We also have loan and payment plan options for students and families who cannot pay the entire cost out of pocket. Contact  Tyler for more details.

2019 - 2020 Applications due May 31st!

Applications for the 2019-2020 school year close May 31st. Make sure to get your applications in before then! Apply online at  www.solidrockmn.org.

Solid Rock Graduation - May 11th

On Saturday, May 11th we will be celebrating our Solid Rock graduates! The ceremony begins at 10:00 a.m. in the chapel. If you know one of the graduates this year, you are welcome to attend. Complimentary Friday night lodging and Saturday breakfast are available for those who need to stay overnight (ask Tyler for details). Please RSVP by emailing Tyler (tyler@solidrockmn.org).   

In This Issue

Contact Us
(320)732-3218

Executive Director

Solid Rock Director

Guest Services

Properties

Food Service
Ministry Support
Manager
Volunteers




Winter/Early Spring Camp Schedule  

APRIL:
Early Bird Discount Deadline April 8*
*For all 2019 Youth & Family Camps
Spring Quilt 5 Day:  April 3-7
Spring Quilt 4 Day: April 4-7
Spring Quilt 3: Day April 5-7
Dos and Don'ts of Required Minimum Distributions

You may have an opportunity to save even more for retirement in 2019 than you did last year. The 2019 cost-of-living-adjustments (COLAs), announced by the IRS in late 2018, included increases to IRA and 401(k) contribution limits, and modified adjusted gross income (MAGI) limits for Roth IRA contribution eligibility and Traditional IRA tax deductions.
IRA Contribution Limits:   If you're eligible, you can contribute up to 100 percent of earned income up to the annual statutory limit. If you become age 50 or older during the contribution year, you can contribute a "catch-up" amount too. The annual limit applies to all of your IRAs in total. Contributions you make to both Traditional and Roth IRAs are combined for this limit. See  IRS Publication 590-A , Contributions to Individual Retirement Arrangements (IRAs), for more information on IRA contributions.
2019 Traditional and Roth IRA Contribution Limits
Contribution Limit
Catch-Up (age 50 or over)
$6,000
$1,000
401(k) Contribution Limits:   If you're an eligible retirement plan participant, your 401(k) plan may allow you to defer a percentage or dollar amount of your salary into the plan each pay period, and to contribute all or a portion of additional compensation (e.g., bonuses, commissions, tips) into the plan, up to a specified limit. The IRS sets an annual maximum contribution amount that plans may allow for salary deferrals in 401(k) plans.  You are subject to the annual statutory limit for all of your 401(k) plan deferrals and all types of deferrals (i.e., pretax, after-tax, designated Roth), in aggregate. If you turn age 50 or older during the year, your 401(k) plan may also allow catch-up contributions, up to an IRS defined limit. Talk to your plan  administrator  about your plan's specific eligibility requirements and contribution options.
2019 401(k) Salary Deferral Contribution Limit
Contribution Limit
Catch-Up (age 50 or over)
$19,000
$6,000
IRA Eligibility:  You can contribute to a Traditional IRA if you (or your spouse) have eligible compensation-generally earned income-and you're not turning age 70½ or older in the contribution year. With a Roth IRA, there is no age restriction to contribute. But to be eligible to make a full or partial Roth IRA contribution, you (or your spouse) must have earned income and your MAGI must be less than or within IRS-defined  phase -out limits.
2019 Roth IRA Contribution Eligibility MAGI Phase-Out
Tax Filing Status
Full Contribution
Partial Contribution
No Contribution
Single
$122,000 or less
$122,000-$137,000
$137,000 or more
Married, filing jointly
$193,000 or less
$193,000-$203,000
$203,000 or more
Married, filing separately
         -
$0-$10,000
$10,000 or more
Traditional IRA Deductibility:   Contributions to a Traditional IRA are fully deductible on your federal income tax return if you (or your spouse, if filing jointly) aren't active participants in an employer-sponsored retirement plan. But if you (or your spouse) are an active participant, the amount of your tax deduction depends on tax filing status and MAGI.

2019  Traditional IRA Active Participant Deductibility MAGI Phase-Out
Tax Filing Status
Full Deduction  
Partial Deduction
No Deduction  
Single
$64,000 or less
$64,000-$74,000
$74,000 or more
Married, filing jointly
$103,000 or less
$103,000-$123,000
$123,000 or more
Married, filing jointly
(spouse active participant)  
$193,000 or less
$193,000-$203,000
$203,000 or more
Married, filing separately
         -
$0-10,000
$10,000 or more

Want more information? Talk with one of the Financial Services Representatives of the Northwest Conference.

Steve Allison          218-297-7701           srallison@covenanttrust.com
Erik Carlson           763-253-6311           ewcarlson@covenanttrust.com
Karlene Crabtree    612-252-8599         kmcrabtree@covenanttrust.com
Steve Allison, ChFC | Financial Services Representative |
Covenant Trust Company
5706 Arnold Rd, Duluth, MN  55803 |
Office: 800-483-2177 | Direct: 218-297-7701
CovenantTrust.com | CovTrustBlog.com