Principled Prosperity In Practice
Grace and peace to you,

For taking the time from your busy schedule to explore Chamberlain Capital Group and to read this open letter - I  thank you.   

I recognize that as a Christian managerial economist and social scientist not everyone shares my values, beliefs, and opinions –
especially pertaining to wealth, prosperity, and stewardship. Consequently I believe it is crucially important for anyone
considering retaining our services or investing with us to understand us – even if they may not totally agree with us on everything.

It is not the purpose of Chamberlain Capital to convert the lost,  to justify the Christian faith  or my personal beliefs in Jesus as
the Risen Christ and Saviour  (although I will be more than happy to discuss my faith with anyone personally).  Rather
Chamberlain Capital is designed for those that already recognize the Bible is the greatest economics and financial text book ever
written - that  it provides the greatest insight into human behavior- and that it is a guide to true prosperity.

Thus the opportunities, financial benefits, and spiritual rewards we strive to provide are available to anyone seeking:  

•        True happiness,
•        Peace,
•        Prosperity,
•        Joy,
•        Contentment,
•        Or for anyone that desires something “more” meaningful from life.

Please consider for a moment, the people, events, and circumstances that led you to this web site placing this before your eyes
at this exact moment. You are reading this, not by mere chance, but as a specifically designed part of God’s plan for your life:

 'For I know the plans that I have for you,' declares the LORD, 'plans for welfare and not for calamity to give you a future and a
Jeremiah 29:11.

  “We are God’s workmanship, created in Christ Jesus to do good works which God prepared in advance for us to do. “
Ephesians 2:10.

The many demands of modern life and the enticements of the world can easily distract us from doing the good works God has
prepared for each of us to do.  Being out of God’s will can rob you of your joy, peace, prosperity, and contentment.  

We are here to help you accomplish what God has planned for you.

Maybe you are called to something great like Joseph or Moses. Maybe you are to take a risk on faith to help others like Rahab
and Ester. Maybe you are more like Lot and Noah who didn’t fully appreciate what their future held. Possibly, by providing this
opportunity to reallocate some of your assets, God is trying to protect you and your family from a future tragedy.  Or it may be that
God wants to bless you so that you, like Abraham, can be a blessing to others.  

Or simply because as one of his children, God wants you to prosper because He loves you.

Whatever the purpose of our paths crossing, only you can discern God’s will for your life, what HE is prompting you to do with the
opportunities presented.  I can’t help you other than to pray that you don’t miss the Lord’s blessings or that you don’t willfully
choose disobedience.  

Scripture is full of those that disobeyed and did things their way – the way that ‘appeared’ to be the best by the world’s criteria, the
way that would satisfy their own temporary short sighted selfish interests while others simply lacked sufficient faith in God’s
promises and were too afraid to be blessed.  Lot’s wife was turned into salt, the Israelites were forced to wonder in the
wilderness for 40 years because they were too afraid to accept the Promised Land, Jonah was swallowed by a fish, and Achan
along with his sons and daughters were stoned and burned for his disobeying God’s direction by coveting and misappropriating
gold and silver earmarked specifically for God’s use.

Seemingly, many American families are “crashing and burning”- essentially being “sacrificed” because unwise stewardship
misuses God’s blessings.   Chamberlain is designed to help.

The American Dilemma

Recent research reveals that about 85% of American adults consider themselves to be “Christians” with 72% believing they have
a good to very good chance of going to Heaven.   

However, living in the most affluent society in history, American Christians are particularly conflicted and uncertain about their
financial stewardship even in the light of clear scripture direction and promises:

"No one can serve two masters; for either he will hate the one and love the other, or he will be devoted to one and despise
the other. You cannot serve God and wealth.”
Matthew 6:24,

•        "It is the blessing of the Lord that makes rich, and He adds no sorrow to it". Proverbs 10:22,

•        "He who is gracious to the poor man lends to the Lord, And He will repay him for his good deed". Proverbs: 19:17,

•        "For it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God."  Luke 18:25,

•        "But if anyone does not provide for his own, and especially for those of his household, he has denied the faith and is worse
than an unbeliever".
1 Timothy 5:8,

•       "But those who want to get rich fall into temptation and a snare and many foolish and harmful desires which plunge men into
ruin and destruction. For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the
faith, and pierced themselves with many a pang
". 1 Timothy 6:9-10,

•        "Beware of the false prophets, who come to you in sheep’s clothing, but inwardly are ravenous wolves. “You will know them
by their fruits.  Grapes are not gathered from thorn bushes, nor figs from thistles, are they?  Even so, every good tree bears good
fruit; but the bad tree bears bad fruit.  Every tree that does not bear good fruit is cut down and thrown into the fire.  So then, you will
know them by their fruits.  Not everyone who says to Me, Lord, Lord, will enter the kingdom of heaven; but he who does the will of
My Father who is in heaven.  Many will say to Me on that day, Lord, Lord, did we not prophesy in Your name, and in Your name
cast out demons, and in Your name perform many miracles?  And then I will declare to them, I never knew you, depart from Me,
You who practiced lawlessness
". Matthew 7:15-23,

•        "Come now, you rich, weep and howl for your miseries which are coming upon you, Your riches have rotted and your
garments have become moth-eaten.  Your gold and your silver have rusted; and their rust will be a witness against you and will
consume your flesh like fire.  It is in the last days that you have stored up you treasure!
" James 5:1-3,

•        "Instruct those who are rich in this present world not to be conceited or to fix their hope on the uncertainty of riches, but on
God, who richly supplies us with all things to enjoy.  Instruct them to do good, to be rich in good works, to be generous and ready
to share, storing up for themselves the treasure of a good foundation for the future, so that they may take hold of that which is life
1 Timothy 6:17-19,

  "He who gives to the poor will never want, but he who shuts his eyes will have many curses". Proverbs 28:27,

•        "But whoever has the world's goods, and sees his brother in need and closes his heart against him, how does the love of
God abide in him?
" 1John 3:17.

Conflicted Christians

According to Barna Research, 17% of American adults say they tithe (give 10% of their income to their church). But only 3% really
do. 58% of adults believe that the Bible is totally accurate in all that it teaches.  

Why do the actions of American Christians conflict so with their beliefs?  What are the consequences?

Among the most surprising findings is that while “born again” Christians are much more generous than the average American,
very few of them actually give 10% or more of their income - a proportion described in the Bible as a "tithe" - to their church.  One
of the central teachings of many Protestant churches is that the Bible commands people to donate ten percent of their annual
income to the church. The survey confirmed that the admonition is rarely followed. One out of every six” born again” Christians
(16%) gave no money to his/her church during 1999, the date of the research. The proportion that tithed to their church was just

In general, the more money a person makes the less likely he/she is to tithe. While 8% of those making $20,000 or less gave at
least 10% of their income to churches, that proportion dropped to 5% among those in the $20,000-$29,999 and $30,000-$39,999
categories; to 4% among those in the $40,000-$59,999 range, down to 2% for those in the $60,000-$74,999 niche; and to 1% for
those making $75,000-$99,999. The level jumped a bit for those making $100,000 or more, as 5% of the most affluent group
tithed in 1999.  How do you measure up?

Comments on the Research

The relative generosity of “born again” and “evangelical” Christians is paradoxical in the eyes of George Barna, president of the
company that conducted the research. "On the one hand, evangelicals and born again Christians should be commended for
modeling generosity within a culture that esteems giving a helping hand more than it actually gives such a hand. By giving more
than double the national average of their income to non-profits and churches evangelicals have set a great example for others to
follow. At the same time, however, the vast majority of those individuals attend churches that teach a biblical responsibility to tithe.
The fact that fewer than one out of every ten born again believers does so suggests that financial stewardship is undoubtedly one
of the greatest challenges facing the Christian Church in America today, especially if they recognize tithing as one of God's
requirements for their life."

Questions every American Christian must answer:

What “fruit” am I producing?  Am I a “hearer” of the word and not a “doer” of the word?  How am I a “doer” of the will of God?  
How much do I give to those in need? What are my motivations? Am I in fact worshiping worldly wealth? Am I actually worshiping
myself (pride & arrogance by trying to show what “I” have accomplished, accumulated, etc.) to the detriment of taking care of my
fellow man in need?  What is my “excuse” for not obeying God?  What are the consequences of my disobedience now and in the
future? To me individually, my family, my neighbors?

Even in the face of God’s warnings, directions and promises, it is very difficult for most Christian Americans to both “take care” of
their family as they understand it and produce fruit, including properly providing for those in need.

I try to help Christians be responsible stewards, to produce fruit, and earn investment income so that they can bless others.  
Christianity and Capitalism are not in conflict but are in fact complementary, consistent and compatible.

As a consulting managerial economist and a member of the Association of Christian Economists, like other American
Christians, I too have long been conflicted about the proper responsibilities and obligations of Christian stewardship.  What is
my role / responsibility in helping others amass wealth if they are not good stewards, do not help those in need, and truthfully
may in fact may be ensnared by worldly riches.  Would it not be like an enabler to an addict, if I know someone does not handle
wealth and yet I continue to provide additional obstacles to his spiritual growth?

"But whoever causes one of these little ones who believe in Me to stumble, it is better for him that a heavy millstone be hung
around his neck, and that he be drowned in the depth of the sea.  Woe to the world because of its stumbling blocks!  For it is
inevitable that stumbling blocks come; but woe to that man through whom the stumbling block comes!"
 Matthew 18:6-7

Consequently, like-minded professionals, high net worth individuals, and others participate with us to encourage and reward
responsible Christian stewardship. If you would like to learn more of the current business, financial, or charitable opportunities
available, please contact us or your referral source. Thank you again and God Bless.

Grace be to you
and those you love,

Scott Crabtree