AN ANALYSIS INTO THE WEALTH OF CITY HARVEST CHURCH (Part 1)

by Think free and fair

Although I am aware that City Harvest is one of the richest churches in Singapore, I am still shocked that it is rich enough to pay $310 million dollars for a stake in Suntec City. Nevertheless, an entity which is able to amass such wealth is certainly worth studying. I was determined to understand the secrets to the church’s wealth.

I apologize upfront if the points raised give offense to loyal followers of City Harvest Church. Please regard this article as a business analysis of the factors that contribute to the wealth of City Harvest Church, not as an insinuation that the Church got rich through questionable means. The fact is that CHC is very rich and this makes for a fascinating academic exercise to examine its sources of wealth. Just treat it as a business case study. I have tried my best to stick to the facts. Please correct me if there are factual mistakes. However, if there are differences in opinions, please disagree with courtesy.

1. Clever packaging of Sunday services

The income of a church is dependent on the tithes collected (10% of income from church-members). Therefore, the earning power of a church is highly dependent on its ability to retain its existing church members and attract new ones. The larger the church membership, the greater its earnings.

I watched a sample of CHC weekend service on its website.  Compared to the boring Sunday classes I attended as a kid, CHC church service was most refreshing (Watch “The 10 Laws Of The Harvest”). The beginning part resembles a rock concert with good singing and enthusiastic audience. It is an entertaining way to enjoy your Sunday mornings. Going to church becomes a weekly event to look forward to rather than a chore to attend to.

With church services so well packaged for its customers, its customer retention rate and new customer acquisition figures should look good.

2. Extra revenue in the form of advertisements, sales of CDs

This church is unlike the other churches I know. It generates extra revenue through advertisements during its Sunday service (watch the videos). It sells audio CDs on its website. There is an online shopping cart for convenience to those who want to buy online.

3. Efficient collection of tithes

Church-members can pay their tithe online via credit card, eNets or even Giro!! Once members started donating using Giro, the earnings quality of the church improves. Donation collected via Giro tend to be more stable.

With a globalised economy, people travel round the world a lot and may miss Sunday services. In the past, the churches will lose income when these members fail to turn up to pay their tithe. Now, with online payment, they can continue collecting the tithe even when the church-member is working overseas for an extended period of time. With Giro, the church can continue collecting tithes for a few more months even when the member leaves the church as people have a habit of forgetting what they pay on Giro.

4. 30-fold, 60-fold, 100-fold returns on your church donations

This is where the genius of CHC lies and the secret to its superior earning power. In fact, I have yet to encounter any public-listed company on SGX, HKSE, NYSE, Nasdaq that demonstrates better potential.

The pastor preaches that God will give 30-fold, 60-fold, 100-fold returns on your tithe. But, you have to be generous in your donations first so that you will receive in harvest proportions. I guess that is the origin of the name City Harvest. Please watch the video ”The 10 Laws Of The Harvest” yourself in its entirety and interpret for yourself.

It is a message that cleverly uses an astute understanding of human nature to maximize profits. If I were a CHC member, I will be tempted to increase my tithe as much as possible. Not mincing my words, I am doing it out of pure greed. I do not think I will be alone. It is perfectly fine if members of CHC strongly disagree and thinks that I am not representative for most of them. After all, I can only speak for myself.

5. Quality of customers

With the 100-fold return message, the kind of church members attracted will be most conducive to profit-making. Money-minded people will be attracted to the church. These money-minded people tend to be ambitious and have a great desire to make lots of money. Millionaire minds have a higher chance to become rich. Hence, the quality of customers that CHC attracts are of the highest quality. The richer the church-member, the higher is the church’s tithe per member.

Customer quality will be enhanced through the passage of time due to survivor bias. Suppose out of this pool of Millionaire-Mind Christians, 50% become satisfactorily rich and the remaining 50% still unsatisfactorily middle-class. The 50% who got rich will donate even more because they think their source of wealth comes from their donations. It is most unlikely they will cut back on their tithes  because they will be afraid God will punish them by cutting back the returns. If they are not afraid, the church will be there to warn them not to do so. The remaining 50% who did not get rich will be disillusioned and probably leave the church. The loss is of little significance to the church. These people are not rich and their tithes will not amount to much.

Many Christians will be disgusted with the concept of using tithes to get rich. These people will probably leave the church after attending a few Sunday services. Again, the loss is of little significance to CHC. These people will not be highly profitable to the church even if they are rich because they are not going to tithe as much as the others who believe their tithes is the way to wealth.

To the credit of the Pastor, I think he has devised a wonderful process of filtering out non-profitable customers and sucking in the lucrative ones. There is only so much physical space that a church can have to service its church-members. To maximize profits, the church has to ensure that each unit of space is used for servicing lucrative customers.

6. Kill off competition

CHC has tremendous economic moat that kills off competition. In the video “The 10 Laws of The Harvest”, the Pastor cited Law #5 “Your Seed must be planted in Good Ground” which is an effective weapon in killing off his competition – the smaller churches. Many Christians feel that they ought to donate to the needy, smaller churches rather than rich mega-churches like CHC. The Pastor’s argument is that you do not get good returns like 100-fold in the small churches. You have to donate to mega-churches to maximize returns on your tithe because they have a track record (rich church members). In other words, the seed is not planted in good ground when you donate to the small churches. In his own words, ”I don’t always give to the neediest but to the ground that will give the greatest yield”. To illustrate his point, he used an analogy on weak banks and strong banks. You do not deposit your money in a weak bank because it desperately needs fresh funds to survive. You deposit your money in a strong bank which invests your money wisely and yields good returns.

The church has an iron-grip on its members who believe its message. As illustrated previously, its customer base is of the highest quality. This is its track record. Existing church-members will definitely not move to another smaller, needier church with poorer track record.

It has a very strong economic moat as it is very hard for its competitors to get its customers to switch over.

7. Providing a place where the rich can network

As the Pastor said, his church provides a good ground on which you can grow your riches. Rightly so, indeed. For property agents or insurance agents trying to hit their sales quota, City Harvest Church will be an ideal place to hunt for lucrative clients. This church concentrates several rich and money-minded people into a single location. The church offers a unique advantage to sell things. In a religious setting, people tend less to be on their guard and can be more easily persuaded to part with their money.

Businessmen also like to network in places where there are rich and powerful people who will come in handy in future. The Pastor has done a good job in gathering such people in his church and it makes good sense to make use of this advantage by joining the church.

The rich will attract more rich and the gathering moss snowballs to provide an ever-rising pool of donation to the church.

8. Preach what people like to hear. 

As a teenager, I was discouraged when I read Bible verses like Matthew 19:23-24 “I tell you the truth, it is hard for a rich man to enter the kingdom of heaven. Again I tell you, 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.” and Matthew 6:24 “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.”

It seems like if I become rich, I will be condemned to hell.

In the video ”Rich God? Poor God?”, the Pastor preaches that it is absolutely ok to be rich. Some prophets of God were very rich. (Abraham, David, Solomon)

There is nothing more musical to a money-minded person than to hear that God is on your side in your pursuit of money. The church-members who are more money-minded will love this and donate even more.

9. God pays for the returns, not the church.

The church collects the money, but God pays for the returns. The church does not need to pay a single cent for the 30-fold, 60-fold, 100-fold returns on the donations.

This is as good as you do the work for me, but not only do I not pay you, I shall also collect your salary. You toil and sweat, but I shall eat your bread. God must surely be a miracle worker and people will pay handsomely for his service. I cannot think of a more advantageous economic position to be in to be able to collect money rendered by a miracle worker.

10. Social pressure to conform in church settings and ease of influence

If everyone around you donates, it is hard not to. When everyone else makes sacrifice, the one who does not will look like an outcast. There is tremendous pressure to conform in such a herd setting.

11. Tremendous future earning power

Take a look at the congregation and you will notice the large number of young people. The income growth of young people is the fastest in the population. In the Pastor’s words, “You may be poor today, but you will not be poor all your life”. That is a long-term business plan in cultivating its customers.

Therefore, if CHC can be viewed as a growth stock, its prospects are very bright as its young customers will accelerate its earnings.

12. Stable earnings in times of depression

Besides being a growth stock, CHC can also be viewed as a defensive and safe stock. People pray hardest when they fall in hard times. Strangely, some people have an urge to tithe when they are in financial troubles.

In fact, in the video (The 10 Laws Of The Harvest), a couple came on stage. They talked about the dire straits they were in when they started out. Things change when God challenged them to GIVE themselves out of poverty (exact words from the speaker). Despite not having any money, they still pledged $250 to the building fund. In his own words again, “we often emptied our savings to give to the House of God knowing that this will be the answer to our financial problems”. Hence, not only will the church earnings be stable in times of depression, it may even grow.

13. Using Prosperity as a theme to appeal to customers

The Pastor preaches Prosperity Gospel which resolves around money. His business genius lies in choosing this theme for his church. Money has universal appeal. Everyone worships money regardless of race, culture, age, gender, sexual orientation. In one fell swoop, he has enlarged his market to cover the entire world. It is much easier to convert people to your belief by dangling money and promising great prosperity. After all, who does not love money?

By enlarging his potential market catchment with a greater chance of increasing membership, more donations will flow in.

14. Tax benefits as church is registered as a charity

This creates a huge, unfair advantage compared to all other businesses. This is what landed CHC in controversy. Enough has been said.

If one day the Pastor switches to become a businessman, I will definitely consider investing in the company that he heads and founds.

If City Harvest Church is listed on the Singapore Stock Exchange, I will certainly buy it. It will be one stock that I am confident of hitting a return of 30-fold, 60-fold, 100-fold returns.

PS: People tend not to question critically when it comes to religion. A charming smooth talker can easily sway minds with his interpretation of the Bible. In the final analysis, Faith is about simply believing. You cannot approach it scientifically because there is no way to test religious theories using the scientific method. We will only know the real truth when judgment day comes.

The danger is that there is no accountability on the part of the preacher on whether his teachings are true or not. Even he himself cannot be sure that his interpretations is 100% correct. Given human nature, the interpretations will tend to be self-serving. In fact, it is not only dangerous to the students but to the teacher as well. People will believe their own lies if it yields tempting benefits. That was how Wall Street drank its own Kool-Aid.

While I respect the Pastor for his business savvy, I cannot agree with his interpretations of the Bible. I pray for good health, peace and harmony for my family. Money-minded as I am, I am not comfortable with commercializing my relationship with God by asking for money. The Christian God that I know from my own reading of the Bible is not 财神爷. Of course, if God wants to drop money from heaven on me, I will be more than happy to embrace it.

City Harvest Saga continues. Analysis into the wealth of City Harvest Church (part 2)

THE DEGRADATION OF THE CHURCH by Witness Lee

[There is a difference between the failures in the churches and the degradation of the church. The failures are not serious in a basic way. Whereas the failures in the churches are not that basic, the degradation of the church is more than basic, for it cuts the root of the life, living, and growth of the church. Unlike failure, degradation not only brings in wrongdoings but cuts the root of the church “tree.’’]

A. As Described in the New Testament

Gnostic Philosophy—[The first aspect of the degradation of the church was the church’s being taken over by the Gnostic philosophy and the elements of the world—the rudimentary teachings of both Jews and Gentiles, consisting of ritualistic observances in such things as meats, drinks, washings, and asceticism (Col. 2:8, 16, 20-22; Titus 1:14-15). Gnosticism is a composition of Greek and Oriental philosophy and Jewish religion. When the church spread to the Gentile world, the church was contaminated by Gnosticism. This contamination became a root problem in the church; it nearly cut off the entire root of the church life. Therefore, Gnosticism was a serious threat to the existence of the church life.]

Different Teaching—[Another aspect of the degradation of the church was the teaching of things different from the economy of God taught by the apostle, resulting in turning away from the apostle’s teaching. Acts 2:42 tells us that all the new believers continued steadfastly in the teaching of the apostles. What the apostles taught was according to God’s New Testament economy. But at a certain time some teachers began to teach certain biblical things, yet those things were different from the economy of God, that is, different from the teaching of the apostles.] [To teach differently was to teach myths, unending genealogies, and the law (1 Tim. 1:7-8), all of which were vain talking (v. 6), differing from the apostles’ teaching centered upon Christ and the church.] [Eventually this resulted in a turning away from Paul’s teaching (2 Tim. 1:15).]

Base Gain—[In 1 Timothy 6:5b Paul speaks of those who suppose “godliness to be a means of gain.’’ They make godliness a way of gain—material profit, a gain-making trade. The desire for material gain is another reason certain ones teach differently from the economy of God taught by the apostles. Thus, because of pride and the desire for profit, for riches, some are teaching differently. Pride is related to wanting a name and a good reputation, and gain is related to money and material profit.]

Turning Away from the Apostle—[Paul’s Epistles are the completion of the divine revelation concerning God’s eternal purpose and economy (Col. 1:25). His ministry completes the revelation concerning the all-inclusive Christ and His universal Body, the church as His fullness to express Him. Nevertheless, in the degradation of the church, many turned away from Paul’s ministry. “This you know, that all who are in Asia turned away from me’’ (2 Tim. 1:15).] [Those who turned away from Paul’s ministry deviated from God’s complete revelation, the center of which is Christ as the mystery in the saints (Col. 1:27).]

Heresies—[Second Timothy 2:16-18 says, “Avoid profane, vain babblings, for they will advance to more ungodliness, and their word will spread as gangrene, of whom are Hymenaeus and Philetus, who concerning the truth have misaimed, saying that the resurrection has already taken place, and overthrow the faith of some.’’ Here Paul refers to those who bring in heresies as gangrene.]

Factious—[Titus 3:10 and 11 say, “A factious man after a first and second admonition refuse, knowing that such a one has been perverted and sins, being self-condemned.’’ A factious man is a heretical, sectarian man who causes divisions by forming parties in the church according to his own opinions. The Gnostic Judaism referred to in the preceding verse must be related to this. The divisiveness is based on differing teachings. This is the reason that verse 10 comes after verse 9. Certain believers may have insisted on the teaching of the law and in so doing became divisive.]

Backsliding to Judaism—[In Hebrews 10:25-29 Paul warns the Hebrew believers not to forsake the church to sin willfully, that is, to go back to Judaism to offer the sacrifice for sin which has been terminated.]

Denying the person of Christ—[First John 2:22 says, “Who is the liar if not he who is denying that Jesus is the Christ? This is the antichrist, who is denying the Father and the Son.’’] First John 4:2 says, “In this you know the Spirit of God: every spirit which confesses Jesus Christ having come in the flesh is out of God.’’ These verses reveal to us that some did not believe that Jesus Christ is God Himself come in the flesh (John 1:1, 14; 10:30; 20:28; Acts 20:28; 1 Tim. 3:16; Heb. 1:8).

Not Abiding in the Teaching of Christ—[Second John 9 says, “Everyone who goes beyond and does not abide in the teaching of Christ, does not have God; he who abides in the teaching, this one has both the Father and the Son.’’ Literally, the Greek word translated “goes beyond’’ means to lead forward (in a negative sense), that is, to go further than what is right, to advance beyond the limit of orthodox teaching concerning Christ. This is contrasted with abiding in the teaching of Christ. The Cerinthian Gnostics, who boasted of their supposedly advanced thinking concerning the teaching of Christ, had such a practice. They went beyond the teaching of the divine conception of Christ, thus denying the deity of Christ. Consequently they could not have God in salvation and in life.]

Forsaking the Faith—[In the degradation of the church some forsook the faith. This was the reason Jude wrote, “Beloved, using all diligence to write to you concerning our common salvation, I found it necessary to write to you, entreating you to contend for the faith once for all delivered to the saints’’ (Jude 3). The faith in this verse is not subjective; it is objective. It does not refer to our believing, but refers to our belief, to what we believe. The faith denotes the contents of the New Testament as our faith (Acts 6:7; 1 Tim. 1:19; 3:9; 4:1; 5:8; 6:10, 21; 2 Tim. 2:18; 3:8; 4:7; Titus 1:13), in which we believe for our common salvation. This faith, not any doctrine, has been delivered once for all to the saints. For this faith we should contend (1 Tim. 6:12).] There were more points of degradation in Revelation. We will consider those in the next lesson.

(Lesson Book, Level 5: The Church—The Vision and Building Up of the Church, Chapter 10, by Witness Lee)

Thousands of Singaporean Christians wear white to protest Pink Dot gay rally

Over 6,400 Christians dressed in white on Sunday afternoon to attend a special “family worship” service conducted by Singapore’s Faith Community Baptist Church (FCBC), according to organisers.

The service was held at a full-house Suntec Convention Centre and led by FCBC founder and pastor Lawrence Khong, who earlier called on his followers to wear white over the weekend to protest the annual Pink Dot gay rights rally on Saturday.

Khong, who supports keeping a Singapore law that criminalises sex between men, released a statement on Friday pointing to the Pink Dot movement as a “decline of moral and family values".

Into its sixth year running, Pink Dot saw an estimated record-breaking crowd of 26,000 gather at Hong Lim Park to discourage gay discrimination.

Despite the increasing number of people participating in Pink Dot annually, Singapore remains a largely conservative society.

In a survey on social morality released by the Institute of Policy Studies earlier this year, 78.2 per cent of respondents said sexual relations between two adults of the same sex was wrong, and 72.9 per cent did not agree with gay marriage.

“Pink Dot is right to protest for greater freedom and equality. I respect their push for greater inclusion,” said FCBC member Teo Yee Nam ahead of the Sunday service. “But I feel they have to be mindful of society’s stance on the traditional grounds of marriage.”

Other FCBC members Yahoo Singapore spoke to concurred, saying they were wearing white not to explicitly oppose Pink Dot, but to support their pastor Khong and the idea of a traditional family unit involving one man, one woman and children.

“We’re just coming together to worship God, and wearing white to have the spirit of supporting family,” said Maisy, a 39-year-old homemaker. “Pink Dot have their own position. We don’t have anything against them… after all, we’re all Singaporeans.”

The campaign to wear white was originally started more than a week ago by Singaporean Muslim teacher Ustaz Noor Deros, who asked Muslims to avoid Pink Dot and instead don white garments for Ramadan eve prayers on Saturday night.

Not all Muslims seemed to be aware of the initiative when Yahoo visited the prominent Masjid Sultan at Kampong Glam, but others elsewhere posted photos of themselves wearing white on social media under the hashtag “#wearwhite”.

Violent Video Games and Mass Murder by Michael Brown

Elliot Rodger quoted the character Garrosh Hellscream from "World of Warcraft" in his final YouTube video.

The few times I have written an article about the possible connection between violent acts and violent video games, I immediately receive responses from readers who say, "I've played violent video games for years, and they have not affected me negatively. I'm perfectly capable of distinguishing between fantasy and reality."

Perhaps that is so, but not everyone is able to distinguish fantasy from reality, and studies indicate that it is the unstable who are most likely to be affected negatively. Tragically, this might have been the case with mass murderer Elliot Rodger.

Of course, Rodger alone is responsible for his actions and none of us have the authority to play armchair psychologists (especially those of who are not psychologists). But we can (and should) look at the larger issues involved and ask if, perhaps, there is a connection between violent video games and murder.

In December 2012, in the wake of the Newtown massacre, I noted how video game manufacturers were in denial, despite studies pointing to "a rather clear consensus" that, similar to continual watching of TV and movie violence, "playing violent video games increases aggression."

Last September, I noted that the latest edition of the mega-popular Grand Theft Auto V was "a reflection on the state of nation." Even a positive reviewer of the game (named James Delingpole) wrote, "As a middle-aged parent, I like to think I'm mature enough to be able to appreciate the game's cartoonish, ugly, misogynistic, ultraviolent, pornographic worldview with a certain wry detachment.

"But whether the game's teenage target market is so readily capable of making such distinctions, I'm not nearly so sure."

Already in 2008, Reuters reported that, "One of the largest video game distributors in Asia has halted sales of the Grand Theft Auto IV in Thailand after a teenager confessed to robbing and murdering a taxi driver while trying to recreate a scene from the game."

Last November, safety expert Sedgrid Lewis wrote that, "The knockout game aka The One Hitter Quitter is the deadly game that African-American teenagers are playing across the nation. It is the true life version of the popular video game Grand Theft Auto (GTA)."

And these are just a few examples of many.

Can we continue to deny the connection between violent, sometimes murderous acts, and immersion in extraordinarily graphic, incredibly realistic, utterly sadistic video games?

Do we simply ignore the fact that mass murderer Anders Behring Breivik told the court that "he 'trained' for the attacks he carried out in Norway [in 2011] using the computer game Call of Duty: Modern Warfare?

It is true that researchers continue to debate the evidence—although it seems clear that playing the games leads to an increase in aggression, at least for the short term—and it is true that some psychologists respond rather blithely with observations like, "Television and even violence in the news have been found to have a similar impact," as if that would somehow minimize rather than highlight the potentially negative effects of these games.

But it seems undeniable that those immersed in such games, especially if they are emotionally unstable, will become increasingly desensitized, explaining how some young mass murderers have carried out their deadly rampages with complete scorn, even laughing as they slaughtered their schoolmates. They had lived this out a thousand times before.

A youth pastor in Seattle told me with shock that young people he spoke with at a local high school the fateful day of 9/11 were hardly moved by the tragedy. They explained to him that they had seen much better graphics than what they had witnessed on TV that morning as the planes flew into the Twin Towers. The real-life stuff hardly competed.

Is this not the ultimate hardness of heart?

Aaron Klein has now suggested that, "From his eerie laugh to specific quotes in his chilling YouTube diatribe, mass [murderer] Elliot Rodger seems to be channeling, perhaps even mimicking a specific character from the violent Warcraft video game."

He wrote, "It has been widely reported Rodger was an avid Warcraft player. His online manifesto states he would retreat deep into the game for hours per day and would dream of Warcraft when he went on family vacations and could not play.

"What has been missed until now is that quotes from his final YouTube video announcing his murderous intentions seem to come from the Warcraft character known as Garrosh Hellscream, whose pursuit of dominance and power led him to hate the Warcraft races, including his own."

Again, Rodger alone is responsible for his actions, and only he and God know exactly what prompted him to do what he did.

But it is fair to ask how his life might have turned out had he immersed himself in wholesome entertainment as opposed to World of Warcraft. Perhaps this was a key factor that helped push him over the edge? And perhaps it is we who are blurring the differences between fantasy and reality when we deny any connection between the two?

Michael Brown is author of Can You Be Gay and Christian? Responding With Love and Truth to Questions About Homosexuality and host of the nationally syndicated talk radio show The Line of Fire on the Salem Radio Network. He is also president of FIRE School of Ministry and director of the Coalition of Conscience. Follow him at AskDrBrown on Facebook or at @drmichaellbrown on Twitter.