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“Truth Must Reign in the Church: The Parable Of The Ten Virgins” Matthew 24:44-46 ESV Matthew 25:1-13 ESV Matthew 7:21-23 ESV Isaiah 55:1, 6-7 NIV All music used during this service is reproduction-licensed through the following CCLI Licenses: CCLI Copyright License # 227222 CCLI Streaming Plus License # 22513837 Instrumental Worship Provided By: William Augusto "Soaking in His Presence" www.williamaugusto.com
In episode 32 of Recsperts, I'm joined by my colleague Sasha Fedintsev, Staff Applied Scientist at Wolt (DoorDash), working across personalization and ads, to unpack the realities of building large-scale recommender systems in food, grocery, and retail delivery. Together, we discuss the specifics of personalization in the delivery domain, and the models and ideas that power Wolt's recommender system across 30+ markets - where theory quickly meets messy, high-stakes practice.We explore what makes this domain fundamentally different from traditional e-commerce: strong locality constraints, real-time context, and a heavy skew toward repurchasing behavior. Sasha explains how these factors break many textbook approaches - like standard collaborative filtering - and require creative adaptations such as clustering strategies and multi-stage ranking systems optimized for latency, all while respecting locality constraints.We also discuss the evolution of recommendation approaches over time - from classical collaborative filtering with ALS, to Neural Collaborative Filtering with BPR, and ultimately to transformer-based models for user sequence modeling and next-purchase prediction powering today's venue ranking systems.We also touch on practical challenges such as evaluation in real-world systems, including A/B testing pitfalls and biases in logged data, as well as the complexity introduced by multi-surface experiences like discovery pages, vertical lists, and search. Beyond venues, we discuss why item-level recommendation is an order of magnitude harder - due to scale, context dependence, and availability constraints - and what this implies for future system design.Throughout the episode, Sasha provides a candid view on the evolving role of a Staff Applied Scientist - bridging research and production, setting scientific standards, and driving cross-team impact.Enjoy this enriching episode of RECSPERTS – Recommender Systems Experts.Don't forget to follow the podcast and please leave a review.(00:00) - Introduction (05:10) - About Sasha Fedintsev (15:26) - The Role of a Staff Applied Scientist (25:50) - Challenges and Specifics of the Delivery Industry (47:24) - Ranking and Recommendation Problems at Wolt (51:31) - NCF with BPR for Wolt's First DNN Recommendation Model (01:16:43) - User Sequence Transformers for Next Purchase Prediction (01:26:51) - Explore vs. Exploit or New vs. Recurring Purchases (01:31:29) - Ads Personalization at Wolt (01:36:16) - Further Challenges in RecSys (01:37:58) - A Final Note on Radical Longevity (01:46:30) - Closing Remarks Links from the Episode:Alexander "Sasha" Fedintsev on LinkedInAlexander on XWoltAlexander Fedintsev at Wolt Tech Talks: Restaurant discovery with Wolt: Deep Neural Networks to power recommendationsH3 Geospatial Indexing SystemRecommenders RepositoryTanja Reilly: The Staff Engineer's PathWill Larson: Staff Engineer: Leadership beyond the management trackCoupon collector's problemAlexander Fedintsev (2026): Longevity Bottlenecks: Part I — DementiaPapers:Rendle et al. (2009): BPR: Bayesian personalized ranking from implicit feedbackHe et al. (2017): Neural Collaborative FilteringDacrema et al. (2019): Are we really making much progress? A worrying analysis of recent neural recommendation approachesRendle et al (2020): Neural Collaborative Filtering vs. Matrix Factorization RevisitedHu et al. (2008): Collaborative Filtering for Implicit Feedback DatasetsGrbovic et al. (2015): E-commerce in Your Inbox: Product Recommendations at ScaleQuadrana et al. (2018): Sequence-Aware Recommender SystemsSu et al. (2024): Long-Term Value of Exploration: Measurements, Findings and AlgorithmsTran et al. (2024): Transformers Meet ACT-R: Repeat-Aware and Sequential Listening Session RecommendationLichtenberg et al. (2024): Ranking Across Different Content Types: The Robust Beauty of Multinomial BlendingGeneral Links:Follow me on LinkedInFollow me on XSend me your comments, questions and suggestions to marcel.kurovski@gmail.comRecsperts Website
ACTA's Veronica Bryant welcomes David Rohrbacher, Provost and Vice President of Academic Affairs and Professor of Classics at the New College of Florida. NCF made headlines after they skyrocketed from an "F" grade to a "B+" rating in ACTA's What Will They Learn? Project (WWTL), becoming this year's "most improved school." WWTL assigns letter grades based on the rigor of the core curriculum at over 1,100 American colleges and universities. This improvement was thanks to a total overhaul of their general education program in 2024. Professor Rohrbacher discusses how that change came about and the innovative academic reforms that engage NCF students in substantive, serious coursework.
“Truth Must Reign in the Church: Seven Woes To The Scribes And Pharisees” Matthew 23:1-3 ESV Luke 11:27-28 ESV Matthew 23:13, 15-35 ESV All music used during this service is reproduction-licensed through the following CCLI Licenses: CCLI Copyright License # 227222 CCLI Streaming Plus License # 22513837 Instrumental Worship Provided By: William Augusto "Soaking in His Presence" www.williamaugusto.com
“Truth Must Reign in the Church: Parable of the Wedding Feast” Matthew 22:1-10 ESV What is a parable? The word "parable" comes from the Greek word "parabolē," which means "comparison" or "illustration." More specifically, a comparison of earthly with heavenly things. The parables told by Jesus are earthly stories with heavenly meanings. Matthew 22:11-14 ESV Isaiah 61:10-11 ESV Point To Ponder #1: We cannot take part in the Kingdom of God on our own terms. We must be willing to surrender, repent, and change in humble obedience to God. John 6:25-27 ESV Point to Ponder #2: Do not seek satisfaction from earthly food that spoils. Seek it in the food (God’s Word of Truth) that endures to eternal life. All music used during this service is reproduction-licensed through the following CCLI Licenses: CCLI Copyright License # 227222 CCLI Streaming Plus License # 22513837 Instrumental Worship Provided By: William Augusto "Soaking in His Presence" www.williamaugusto.com
“Parable of the Wedding Feast” Matthew 22:1-10 ESV What is a parable? The word "parable" comes from the Greek word "parabolē," which means "comparison" or "illustration." More specifically, a comparison of earthly with heavenly things. The parables told by Jesus are earthly stories with heavenly meanings. Matthew 22:11-14 ESV Isaiah 61:10-11 ESV Point To Ponder #1: We cannot take part in the Kingdom of God on our own terms. We must be willing to surrender, repent, and change in humble obedience to God. John 6:25-27 ESV Point to Ponder #2: Do not seek satisfaction from earthly food that spoils. Seek it in the food (God’s Word of Truth) that endures to eternal life.
“Truth Must Reign in the Church: Jesus Confronts Hypocrisy” Hypocrisy According to the Holman Bible Dictionary, hypocrisy means: Pretense to being what one really is not, especially the pretense of being a better person than one really is. Point To Ponder #1: Hypocrisy in the church must be confronted and exposed by God’s Truth. Matthew 21:23-32 NIV Point To Ponder #2: No matter how bad your life of sin has been, if you sincerely repent and place your faith in Jesus Christ, you will be made righteous. Point To Ponder #3: Character matters more than reputation. Quote: “Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are." — John Wooden Matthew 21:33-46 NIV Point To Ponder #4: God entrusts His vineyard to anyone willing to produce His fruit. Proverbs 15:31-33 NIV Colossians 1:9-14 NIV All music used during this service is reproduction-licensed through the following CCLI Licenses: CCLI Copyright License # 227222 CCLI Streaming Plus License # 22513837 Instrumental Worship Provided By: William Augusto "Soaking in His Presence" www.williamaugusto.com
“Jesus Confronts Hypocrisy” Hypocrisy According to the Holman Bible Dictionary, hypocrisy means: Pretense to being what one really is not, especially the pretense of being a better person than one really is. Point To Ponder #1: Hypocrisy in the church must be confronted and exposed by God’s Truth. Matthew 21:23-32 NIV Point To Ponder #2: No matter how bad your life of sin has been, if you sincerely repent and place your faith in Jesus Christ, you will be made righteous. Point To Ponder #3: Character matters more than reputation. Quote: “Be more concerned with your character than your reputation, because your character is what you really are, while your reputation is merely what others think you are." — John Wooden Matthew 21:33-46 NIV Point To Ponder #4: God entrusts His vineyard to anyone willing to produce His fruit. Proverbs 15:31-33 NIV Colossians 1:9-14 NIV
Missionary/Pastor Ben Elliot is sharing the Word with us today! "With Christ? It’s Way Better!" Luke 24:13-21 Phil 3:13-14 I. With Christ it’s way better. Luke 24:22-37, 36-40 II. Walking with Jesus is way better. Luke 24:29-32, 49 III. What was coming would be even better. John 16:5-7 IV. Go after Him because you know it’s better with Him! Luke 24:41-43, 50-53
“What Must I DO to Inherit Eternal Life?” Mark 10:17-31 ESV Points To Ponder No. 1: No amount of wealth or success can satisfy your soul like Jesus can. Points To Ponder No. 2: Good is a subjective term influenced by a person’s values. I believe Jesus’ point is the only standard of good that matters is what God calls good. Points To Ponder No. 3: Eternal life cannot be earned through self effort. It is a gift from God freely given by grace through faith. He went away sad because he had great possessions. In other words, he treasured his wealth more than his relationship with God. Points To Ponder No. 4: Jesus loved him and wanted him to have the eternal life he desired. So he told him how to attain it. 1 John 4:9-10 ESV Points To Ponder No. 5: Jesus loved him and wanted him to have the eternal life he desired. But the rich young ruler rejected the gift of eternal life because he refused to let go of his first love (earthly treasure) to obtain it. John 3:16-17 ESV
The LACNETS Podcast - Top 10 FAQs with neuroendocrine tumor (NET) experts
In this episode, surgical oncologist Dr. Seth Concors of Emory's Winship Cancer Institute discusses the role of the surgical oncologist within the multidisciplinary care team for neuroendocrine cancer. We explore what surgical oncologists do, why NET-specific experience matters, how surgical decisions are made, and what patients can expect during a surgical consultation. The conversation highlights coordination across care teams, common patient concerns, and the importance of informed decision-making and second opinions, offering practical guidance for patients and caregivers navigating surgical care in neuroendocrine cancer.TOP TEN QUESTIONS Understanding the Surgeon's Role1. What is a surgical oncologist, and what kind of training does that involve? How is a surgical oncologist similar to—or different from—other types of surgeons? Patients may hear the term “HPB surgeon.” What does that mean, and how can a patient tell if their surgeon is an HPB surgeon? 2. When a patient is looking for a surgeon, how can they find someone who is the “right fit” for them? How can patients know whether a surgeon has experience with the specific operation they may need—such as a Whipple procedure, liver surgery, or lung surgery? How important is it for a surgeon to be familiar with neuroendocrine tumors specifically?3. What should patients expect at their first appointment with a surgical oncologist? What key information are you usually trying to communicate during that first visit? What questions do you encourage patients and caregivers to ask their surgeon?4. How often should patients expect to see their surgical oncologist, and at what points in their care?Surgical Decision-Making5. How do you determine whether someone is a surgical candidate? What is the typical goal of surgery for neuroendocrine tumors?6. If someone is not a surgical candidate initially, does that mean surgery is off the table forever? Are there treatments that can help make surgery possible in the future? How many NET surgeries can someone safely have over their lifetime? Can major surgeries—such as extensive liver resections—affect eligibility for future treatment options?Multidisciplinary and Coordinated Care7. How do surgical oncologists work within a multidisciplinary care team for NET patients? How do you collaborate with providers at different institutions, such as a local oncologist working with a NET specialty center?8. What is your perspective on second opinions, specifically for neuroendocrine cancer?9. Many patients worry about carcinoid crisis during surgery. How do you address and manage those concerns?Preparing for Surgery10. Patients often ask how they can best prepare—physically and emotionally—for surgery. What guidance do you typically offer?BONUS: What research is currently being done involving neuroendocrine surgery?ABOUT THE SPEAKERSeth Concors, MD, is an academic surgical oncologist at Emory University and the Winship Cancer Institute, where he serves as Associate Program Director for both the General Surgery Residency and the Complex General Surgical Oncology Fellowship, and Director of the Surgical Oncology Research Fellowship. He leads Emory's Peritoneal Surface Malignancy and Neuroendocrine Tumor surgical programs, with clinical and research interests focused on gastrointestinal neuroendocrine tumors, cytoreductive surgery/HIPEC, and survivorship outcomes. Dr. Concors is actively involved in national surgical societies, including SSO, SSAT, NANETS, ACS, and ECOG-ACRIN, and his work emphasizes multidisciplinary collaboration, prospective outcomes research, and surgical education. He is committed to advancing patient-centered cancer care while mentoring the next generatioFor more information, visit NCF.net.
"On The Road To The Cross: The Lord’s Passover Supper” Luke 22:1-23 ESV Exodus 12:1, 3 ESV Exodus 12:5-7 ESV Exodus 12:11-14 ESV Hebrews 10:5-7 ESV
"On The Road To The Cross: Jesus’ Triumphal Entry Into Jerusalem” Matthew 21:1-22 ESV Luke 19:41-44 ESV Mark 11:25 ESV
"On The Road To The Cross: Jesus’ Triumphal Entry Into Jerusalem” Matthew 21:1-22 ESV Luke 19:41-44 ESV Mark 11:25 ESV
"Understanding The Ministry Of The Holy Spirit: How To Receive Gifts From Holy Spirit” PURSUE LOVE 1 Corinthians 14:1 ESV 1 Corinthians 13:4-10 ESV EARNESTLY DESIRE SPIRITUAL GIFTS 1 Corinthians 14:1-5 ESV STRIVE TO EXCEL IN BUILDING UP THE CHURCH 1 Corinthians 14:9-12 ESV 1 Corinthians 14:26 ESV SEEK TO CULTIVATE SENSITIVITY TO THE HOLY SPIRIT -Invest Time In The Relationship -Ask God For A Heart That Seeks To Please The Heart Of God -Pray / Talk To Holy Spirit Every Day -Pray In The Spirit -Pursue Holiness -Determine To Obey God’s Will LAYING ON OF HANDS BY ELDERS (for importation of specific gifting) 1 Timothy 4:14 ESV 2 Timothy 1:6 ESV
"Understanding The Ministry Of The Holy Spirit: How To Receive Gifts From Holy Spirit” PURSUE LOVE 1 Corinthians 14:1 ESV 1 Corinthians 13:4-10 ESV EARNESTLY DESIRE SPIRITUAL GIFTS 1 Corinthians 14:1-5 ESV STRIVE TO EXCEL IN BUILDING UP THE CHURCH 1 Corinthians 14:9-12 ESV 1 Corinthians 14:26 ESV SEEK TO CULTIVATE SENSITIVITY TO THE HOLY SPIRIT -Invest Time In The Relationship -Ask God For A Heart That Seeks To Please The Heart Of God -Pray / Talk To Holy Spirit Every Day -Pray In The Spirit -Pursue Holiness -Determine To Obey God’s Will LAYING ON OF HANDS BY ELDERS (for importation of specific gifting) 1 Timothy 4:14 ESV 2 Timothy 1:6 ESV
"Understanding The Ministry Of The Holy Spirit: Gifts Of The Holy Spirit” 1 Corinthians 2:1-5 ESV 1 Corinthians 12:1-11 ESV John 3:8 ESV 1 Timothy 4:14 ESV 1 Peter 4:10-11 ESV
"Understanding The Ministry Of The Holy Spirit: Gifts Of The Holy Spirit” 1 Corinthians 2:1-5 ESV 1 Corinthians 12:1-11 ESV John 3:8 ESV 1 Timothy 4:14 ESV 1 Peter 4:10-11 ESV
"Understanding The Ministry Of The Holy Spirit: Promise Fulfilled” Matthew 3:11 ESV John 16:7-8 ESV Luke 24:46-49 ESV Acts 2:1-4 ESV Acts 2:32-36 ESV
"Understanding The Ministry Of The Holy Spirit: Promise Fulfilled” Matthew 3:11 ESV John 16:7-8 ESV Luke 24:46-49 ESV Acts 2:1-4 ESV Acts 2:32-36 ESV
“Understanding The Ministry Of The Holy Spirit: Lord, Open Our Eyes To See” 2 Kings 6:8-23 NIV Hebrews 11:1, 6 ESV Proverbs 15:33 NIV Acts 9:31 ESV Philippians 4:6-7 ESV 3 Truths Drawn From 2 Kings 6:8-23: 1) God is sovereign over our circumstances… 2) The salvation of the Lord covers those who fear and trust God… 3) No enemy can prevent God’s purpose and plan for you if you walk in the fear of the Lord….
“Lord, Open Our Eyes To See” 2 Kings 6:8-23 NIV Hebrews 11:1, 6 ESV Proverbs 15:33 NIV Acts 9:31 ESV Philippians 4:6-7 ESV 3 Truths Drawn From 2 Kings 6:8-23: 1) God is sovereign over our circumstances… 2) The salvation of the Lord covers those who fear and trust God… 3) No enemy can prevent God’s purpose and plan for you if you walk in the fear of the Lord….
“Understanding The Ministry Of The Holy Spirit: Lord, Open Our Eyes To See” 2 Kings 6:8-23 NIV Hebrews 11:1, 6 ESV Proverbs 15:33 NIV Acts 9:31 ESV Philippians 4:6-7 ESV 3 Truths Drawn From 2 Kings 6:8-23: 1) God is sovereign over our circumstances… 2) The salvation of the Lord covers those who fear and trust God… 3) No enemy can prevent God’s purpose and plan for you if you walk in the fear of the Lord….
"Understanding The Ministry Of The Holy Spirit: Holy Spirit Clothes Us With Power" Scriptures in today's message: Luke 24:45-49 ESV Acts 10:17-20 ESV Acts 10:34-48 ESV Matthew 28:18-20 ESV
"Understanding The Ministry Of The Holy Spirit: Holy Spirit Clothes Us With Power" Scriptures in today's message: Luke 24:45-49 ESV Acts 10:17-20 ESV Acts 10:34-48 ESV Matthew 28:18-20 ESV
The word translated “Helper” (ESV) comes from the Greek word “parakletos”, which means “one called alongside to help”. John 16:7-8 ESV John 14:15-17 ESV John 14:25-26 ESV John 16:12-15 ESV Romans 8:26 ESV John 15:26 ESV Hebrews 10:12-16 ESV Galatians 5:22-23 ESV
"Understanding The Ministry Of The Holy Spirit" The word translated “Helper” (ESV) comes from the Greek word “parakletos”, which means “one called alongside to help”. John 16:7-8 ESV John 14:15-17 ESV John 14:25-26 ESV John 16:12-15 ESV Romans 8:26 ESV John 15:26 ESV Hebrews 10:12-16 ESV Galatians 5:22-23 ESV
The LACNETS Podcast - Top 10 FAQs with neuroendocrine tumor (NET) experts
ABOUT THIS EPISODEWho is a genetic counselor, and who should see one? How do they fit into the neuroendocrine cancer care team? In this episode, Samantha Greenberg, PhD, MS, MPH, CGC, Director of the UT Southwestern Genetic Counseling Program, demystifies genetic counseling and testing for NET patients and their families. She explains what to expect before, during, and after a consultation—and how results can impact care, family members, and future planning.TOP TEN QUESTIONSRole & Training1. What is a genetic counselor? What training is required? What's your role in the care team? Genetic Counseling & NETs2. How are genetic counselors involved in NET care? 3. Who should get genetic testing? Do all NET patients need it?What if more than one family member has NET? Do you also see family members without a diagnosis?4. How does one's age play a role?Testing Basics5. Genetic vs. genomic vs. NGS—what are these terms?How do patients know they're getting the right test?6. Walk us through a genetic counseling consultation—before, during, after.Results & Implications7. What if the results are positive? How do you guide patients and families?What if the results are negative or inconclusive? How accurate are tests?8. What is a “variant of unknown significance”?9. Can environment or toxins cause hereditary mutations?Practical Guidance10. How can patients find the right genetic counselor? Do they need to be someone who specializes in neuroendocrine cancer?ABOUT THE SPEAKERSamantha Greenberg, PhD, MS, MPH, CGCPronouns: she/her seriesDirector, UT Southwestern Genetic Counseling ProgramAssistant ProfessorSchool of Health ProfessionsSamantha Greenberg is the founding program director of the UT Southwestern Genetic Counseling Training Program. She received her Master of Science degree in genetic counseling and public health from the University of Michigan after teaching middle school science with Teach For America in Tulsa, Oklahoma. She recently completed her Ph.D. at the University of Utah. As a cancer genetic counselor, Greenberg has provided clinical care across a variety of indications and facilitated the development of multidisciplinary teams and genetics clinics for patients with prostate cancer, von Hippel-Lindau syndrome, and paraganglioma/pheochromocytoma. She is the co-director of the paraganglioma program at UT Southwestern, which recently received a Center of Excellence designation from Pheo Para Alliance. Her passion for raising awareness on the genetics of neuroendocrine tumors stems from working with patients and a curiosity for how to optimize identification of patients with hereditary risk.For more information, visit NCF.net/podcast/52For more information, visit NCF.net.
Walking With God: Trust In His Steadfast Love (khesed) According to The Bible Project, the Hebrew word for steadfast love (“khesed”) combines the ideas of unconditional love, generosity, and enduring commitment. Psalm 136:1-3 ESV Luke 22:39-46 ESV What can we learn from Jesus in this moment? 1.) The intimacy with God the Father 2.) His raw honesty 3.) His humble surrender Romans 8:35, 37-39 ESV
"Walking With God: Trust In His Steadfast Love (khesed)" According to The Bible Project, the Hebrew word for steadfast love (“khesed”) combines the ideas of unconditional love, generosity, and enduring commitment. Psalm 136:1-3 ESV Luke 22:39-46 ESV What can we learn from Jesus in this moment? 1.) The intimacy with God the Father 2.) His raw honesty 3.) His humble surrender Romans 8:35, 37-39 ESV
“Walking With God Through Life’s Trials” Scriptures in Today's Message: 1 Corinthians 1:9 ESV Daniel 3:14-30 ESV Isaiah 43:1-7 ESV
“Walking With God: Through Life’s Trials” Scriptures in Today's Message: 1 Corinthians 1:9 ESV Daniel 3:14-30 ESV Isaiah 43:1-7 ESV
"Walking With God: What Does It Mean?" Scriptures in Today's Message: Genesis 5:21-24 ESV Genesis 6:9 ESV Micah 6:6-8 ESV Colossians 2:6 ESV 1 John 1:5-7 ESV Galatians 5:16 ESV
"Walking With God: What Does It Mean?" Scriptures in Today's Message: Genesis 5:21-24 ESV Genesis 6:9 ESV Micah 6:6-8 ESV Colossians 2:6 ESV 1 John 1:5-7 ESV Galatians 5:16 ESV
“The God Of New Beginnings” Scriptures in Today's Message: Isaiah 43:14-21 ESV Luke 4:18-19 ESV Hebrews 11:1-2 ESV Proverbs 3:5-6 ESV Matthew 11:28-30 ESV Romans 15:13 ESV Reflection Questions: God has a plan for you in 2026. Do you have a plan for God? How can you demonstrate trusting in God, not leaning on your own understanding, and acknowledging Him in all your ways concerning the decisions you will be making in 2026?
“The God Of New Beginnings” Scriptures in Today's Message: Isaiah 43:14-21 ESV Luke 4:18-19 ESV Hebrews 11:1-2 ESV Proverbs 3:5-6 ESV Matthew 11:28-30 ESV Romans 15:13 ESV Reflection Questions: God has a plan for you in 2026. Do you have a plan for God? How can you demonstrate trusting in God, not leaning on your own understanding, and acknowledging Him in all your ways concerning the decisions you will be making in 2026?
"The Characters Of Christmas - Part 5: The Magi (Wisemen)" Scripture Passages in Today's Message: Matthew 2:1-6 ESV Jeremiah 29:13 ESV Matthew 2:7-10 ESV Micah 5:2-5 ESV Matthew 2:11-12, 16 ESV Matthew 28:18-20 ESV
"The Characters Of Christmas - Part 5: The Magi (Wisemen)" Scripture Passages in Today's Message: Matthew 2:1-6 ESV Jeremiah 29:13 ESV Matthew 2:7-10 ESV Micah 5:2-5 ESV Matthew 2:11-12, 16 ESV Matthew 28:18-20 ESV
"The Characters Of Christmas - Part 4: Simeon and Anna" Luke 2:21-24 ESV Cross-reference (Leviticus 12:1-4, 6-8 ESV) Cross-reference (Exodus 13:12-15 ESV) Luke 2:22-35 ESV Luke 2:36-38 ESV Jeremiah 29:11 ESV Holding On with Patient Expectation
"The Characters Of Christmas - Part 4: Simeon and Anna" Luke 2:21-24 ESV Cross-reference (Leviticus 12:1-4, 6-8 ESV) Cross-reference (Exodus 13:12-15 ESV) Luke 2:22-35 ESV Luke 2:36-38 ESV Jeremiah 29:11 ESV Holding On with Patient Expectation
The LACNETS Podcast - Top 10 FAQs with neuroendocrine tumor (NET) experts
ABOUT THIS EPISODEIn this special annual episode, OHSU medical oncologist Dr. Guillaume (“Will”) Pegna joins us once again to break down the highlights from the 2025 North American Neuroendocrine Tumor Society (NANETS) Multidisciplinary NET Medical Symposium. He walks us through the latest clinical trial results and emerging research—covering PRRT, non-PRRT therapies, liver-directed treatments, and new biomarkers—and explains what these updates mean for the NET patient and caregiver community.ABOUT DR. PEGNADr. Pegna is a medical oncologist who specializes in the care of adults with neuroendocrine tumors (NETs). He is additionally interested and experienced in the management of rare tumors, including pheochromocytomas, paragangliomas and adrenocortical carcinomas as well as other gastrointestinal cancers. Dr. Pegna is actively involved with clinical trials and cancer research to improve survival and quality of life for cancer patients and to better understand the biology of these diseases. He specializes in the use of chemotherapy, immunotherapy and multidisciplinary approaches to cancer care. Dr. Pegna finds it rewarding to help patients understand their disease, providing treatment options based on each individual patient, and supporting them through their treatment journeys.Visit NCF.net/podcast/51 for more information For more information, visit NCF.net.
We're deep into December, and the window for smart year-end tax planning is closing quickly. Taxes may not be at the top of your Christmas wish list, but they are an important reminder of God's provision—and an opportunity to honor Him through wise stewardship.As Scripture reminds us, “The earth is the Lord's, and everything in it” (Psalm 24:1). That includes the resources He's entrusted to us. Thoughtful planning isn't about avoiding responsibility—it's about managing God's gifts with intention and gratitude.Today, we sat down with Kevin Cross, a seasoned CPA who has helped countless families navigate taxes with clarity and confidence. As we approach December 31 and look ahead to 2026, here are some of the most important moves to consider.Rethinking Charitable Giving at Year-EndCharitable giving is always close to the hearts of our listeners, and year-end is an especially strategic time to consider it.Recent changes to the tax code—including a higher standard deduction and an expanded SALT (state and local tax) deduction—mean many households may now benefit from itemizing again. If that's you, making charitable contributions before December 31 could provide meaningful tax benefits.But even if your standard deduction is still too high to itemize, there's another strategy worth considering: bundling your giving. Instead of spreading donations evenly each year, you might combine two years' worth of giving into one year. That can push you over the itemization threshold and maximize the tax benefit—while still supporting the ministries and causes you care about.Why a Donor-Advised Fund Is a Powerful ToolIf you don't yet know precisely where you want to give, a donor-advised fund (DAF) can be an incredibly flexible option. We often call it a charitable checking account. You receive the tax deduction when you contribute to the fund, then take your time prayerfully distributing gifts to qualified charities.Kevin likes to say it's “the most fun fund you'll ever have”—because it encourages generosity while allowing your resources to be invested and potentially grow before they're given.For those who want to ensure their giving supports gospel-centered ministries, I recommend opening a donor-advised fund through the National Christian Foundation (NCF). It's a wonderful way to align generosity with faith-based impact. You can learn more at FaithFi.com/NCF.A New Opportunity for Children and Grandchildren (Starting in 2026)One of the most talked-about developments Kevin highlighted is a new child tax savings account (Trump Account), set to begin in 2026. While no action can be taken until then, it's worth knowing what to expect.Under this provision, eligible children may receive a government-funded seed contribution, and families can contribute up to $5,000 per year. Even more interesting: businesses may be able to contribute up to $2,500 tax-free under the right circumstances—while still receiving a deduction.What makes this especially notable for generous families is that donor-advised funds may be used to contribute to these accounts, creating new ways to bless the next generation while maintaining a strong commitment to charitable giving. Proper planning and paperwork will be essential, but this is an opportunity many families will want to explore.Qualified Charitable Distributions: A Missed Opportunity for ManyOne of the most underutilized tax strategies Kevin sees involves Qualified Charitable Distributions (QCDs)—and it always surprises me how many people don't know about them.If you're 70½ or older, you can give directly from your IRA to a qualified charity and exclude that distribution from taxable income. Once you reach the age for required minimum distributions (RMDs), this becomes even more powerful. Instead of taking the distribution, paying taxes, and then giving what's left, you can give directly—often satisfying your RMD without increasing your tax bill.And this isn't limited to small amounts. You can give up to $100,000 per year through QCDs. It's one of the most effective charitable strategies available, especially for retirees who want to give generously while managing their tax burden wisely.Stewardship with PurposeTaxes can feel complex, frustrating, or even discouraging—but they don't have to be. When we view them through the lens of stewardship, they become another opportunity to align our financial decisions with God's purposes.Kevin Cross brings both expertise and encouragement to this conversation, reminding us that wise planning isn't about fear—it's about faithfulness. If you'd like to learn more about Kevin and his work, you can visit KevinCrossCPA.com.As we close out the year, our prayer is that your financial decisions reflect gratitude for what God has provided—and confidence that He will continue to lead you as you steward it well.On Today's Program, Rob Answers Listener Questions:I have about $135,000 in my 401(k), and my home is worth around $100,000. Would it be advisable to cash out my 401(k) to pay off my house?I was recently told about a fixed-rate annuity offering a 22% bonus immediately. Does that sound like a good opportunity, or is it too good to be true?My mother-in-law, who's still living, deeded my husband five and a half acres out of a 13-acre property. We're considering selling that portion to his sister and want to understand the tax implications—what tax rate applies, whether there's an inheritance tax, and how that works.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Kevin Cross, CPAWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
"The Characters Of Christmas - Part 3: The Shepherds" Luke 2:8-14 ESV Micah 5:2-5 ESV Luke 2:15-20 ESV John 7:28-29 ESV Psalm 145:14 ESV 1 Peter 5:6-7 ESV
"The Characters Of Christmas - Part 3: The Shepherds" Luke 2:8-14 ESV Micah 5:2-5 ESV Luke 2:15-20 ESV John 7:28-29 ESV Psalm 145:14 ESV 1 Peter 5:6-7 ESV
New tax laws are on the horizon—and they could significantly influence the way you give. The recently passed One Big, Beautiful Bill Act (often shortened to the OBBBA) introduces several changes that affect charitable givers today and in the years to come. To help unpack these shifts, we sat down with Bruce McKee, attorney and Senior Vice President of Complex Gifts at the National Christian Foundation (NCF).What the OBBBA Actually DoesDespite its cheerful name, the OBBBA carries serious implications for donors. Bruce explains that the bill makes permanent many provisions that were originally scheduled to expire at the end of 2025 under the 2017 Tax Cuts and Jobs Act. Key extensions include:Higher standard deductionsHigher estate tax exclusionsNew deduction floors for charitable giftsA new limit on itemized deductionsExtended business deductionsUpdated rules for university endowment taxesThese changes will affect different givers differently, but nearly everyone will feel the impact of the new standard deduction.The Standard Deduction Gets Bigger—AgainThis update alone affects roughly 90% of taxpayers.The OBBBA permanently extends the increased standard deduction and even boosts it for the 2025 tax year:Individuals: $15,750Married couples filing jointly: $31,500Because the standard deduction is now higher, fewer people will itemize. And when giving is lumped under the standard deduction, charitable gifts are no longer deductible.But there's a powerful workaround.If you want to maximize your tax benefits while maintaining your giving rhythms, “bunching” can help. Bunching means:Grouping several years' worth of charitable gifts into a single tax yearItemizing in that year, instead of taking the standard deductionUsing a donor-advised fund (DAF)—such as an NCF Giving Fund—to distribute gifts gradually over future yearsA giving fund works like a charitable checking account—a powerful tool for strategic, tax-efficient generosity. Bunching is especially impactful when paired with gifts of appreciated assets.New Charitable Deduction Floors Coming in 2026Beginning in 2026, charitable deductions will include a “floor”—a small portion of giving that won't be deductible at all.For IndividualsOnly the amount of charitable giving above 0.5% of your Adjusted Gross Income (AGI) will be deductible. Here's an example:AGI = $200,0000.5% floor = $1,000Whether you give $20,000 or $40,000, the first $1,000 is not deductible.For CorporationsA similar rule applies, but the floor is 1% of taxable income.Why This MattersThis floor means that givers with large AGIs—especially in high-income years—should consider giving earlier, before 2026 arrives. Strategic timing will matter more than ever.Even high-capacity donors who itemize may benefit from bunching in alternating years.New Limits on Itemized DeductionsThe OBBBA also introduces a “haircut” affecting all itemized deductions—not just charitable ones.Because the highest tax bracket (37%) is now permanent, itemized deductions typically reduce income taxed at that rate. But beginning in 2026:Deductions in the highest bracket will be valued at 35 cents per dollar, not 37.It's a relatively small shift, but it slightly increases tax liability and adds another layer of planning complexity. Once again, Bruce recommends intentionally reviewing giving strategies before the 2025 year closes.Estate and Gift Tax Exclusions: Higher and More StableThe OBBBA also stabilizes estate planning by raising the estate and gift tax exemption to:$15 million per individual$30 million for married couplesThese thresholds—once set to sunset back to near half—are now permanent (as permanent as tax law can be). This gives families greater clarity as they plan inheritances and consider charitable tools like trusts or family foundations.When people settle their estate planning, it often helps them focus their hearts on where God is calling them to give—what Ron Blue usually describes as “giving while you're living so you're knowing where it's going.”Good News for Non-Itemizers: The Above-the-Line Charitable Deduction ReturnsBeginning soon, non-itemizers will be able to deduct modest charitable amounts:$1,000 for individuals$2,000 for married couples filing jointlyThis applies to cash gifts made to churches and public charities. It's a welcome incentive for households that rely on the standard deduction.Navigating Change with WisdomThe tax landscape may shift, but God's call to generosity never does. Thoughtful planning ensures you can give joyfully, efficiently, and impactfully.If you want to steward God's resources with greater intentionality, a Giving Fund through the National Christian Foundation can help you:Maximize tax benefitsSimplify your givingSupport ministries you loveInvest funds for future generosityYou can open one in just a few minutes at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:My husband and I are turning 68 and need to move from our two-story home into a one-story house. We're considering new construction, but we'd either need a small mortgage or withdraw $50–60,000 from our 401(k). Our income is stable—he gets $3,000 from Social Security, and I make about $2,000. We manage fine month to month. Which option makes more sense?I'm 73, single, living on Social Security with excellent credit and no debt besides a small monthly charge card. I'm looking into either a HELOC or another home-equity option so I can access some of my home's value to help others before I pass away. What's the best way to proceed?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF) Movement MortgageWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
"The Characters Of Christmas - Part 2: Innkeeper: No Room In The Inn?" Luke 10:25-37 NIV The Greek word used in reference to commercial or public Inns is “pandocheion.” The word “guest room” is translated from the word “Kataluma," which typically means a guest room in a private home. Luke 2:1-7 NIV Mark 14:12-15 NIV
"The Characters Of Christmas - Part 2: Innkeeper: No Room In The Inn?" Luke 10:25-37 NIV The Greek word used in reference to commercial or public Inns is “pandocheion.” The word “guest room” is translated from the word “Kataluma," which typically means a guest room in a private home. Luke 2:1-7 NIV Mark 14:12-15 NIV
Christin Fejervary serves at the National Christian Foundation, where she helps understand generous Christians and the patterns shaping their stewardship. Coming from a background in research before joining NCF, Christin has helped execute numerous large studies which have helped shape the current understanding of Christian givers. This past year, Christin helped lead NCF in some of the most comprehensive research on millennial Christians through the NextGen Stewardship Study, a comprehensive study focused on how young Christians, particularly Millennials and Gen Z, approach wealth and generosity. Christin explains the enormity of the Great Wealth Transfer, projected at $124 trillion to be passed on to these generations by 2048, and the need to understand their unique characteristics and motivations. Her work highlights how agency, shared family values, and hands-on involvement are shaping this rising generation, as well as the unique opportunities emerging as women inherit a growing share of global wealth. She also describes the practical ways families can cultivate unity through generosity and why younger Christians are eager to bring their whole lives, not just their finances, into God's work. Whether you are a next generation giver or are navigating how to enable the next generation yourself, you'll find this episode packed with insight. Major Topics Include: How agency shapes stewardship and spiritual growth Differences between wealth creators, inheritors, and hybrids Generational contrasts in trust, involvement, and giving patterns The rising influence and needs of next-gen women Family unity formed through shared passions and giving Tips for preparing for the Great Wealth Transfer wisely Practicing stewardship through small, hands-on decisions Unlocking whole-life generosity beyond liquid assets Advice for organizations who are trying to engage multiple generations God's invitation to women in stewardship QUOTES TO REMEMBER “I was learning how to pursue a relationship with Jesus in the everyday. It wasn't just about going to church on Sundays. It was really about bringing Jesus into every part of my life.” “In my 20s, when I started to understand this relationship with Jesus, it was something where I could actually have conversations with Jesus and ask for help.” “God just showed up. He provided so much in those early years when we didn't feel like we had much money.” “Faith is the guiding principle in stewarding wealth for all generations.” “The attribute that was most correlated to positivity about wealth was seeing it as responsibility, that it's about God's work in the world and joining God's work in the world.” “Taking action helps your faith. It helps you grow closer to your family. It helps you grow closer to your purpose.” “Women at large and the cohort of next-gen women are more likely to be collaborative, they're more likely to do giving circles, and they're looking for a journey more than a transaction.” “Women and mothers are the biggest influences of generosity in the home.” “Women, especially women inheritors, struggle to find their voice. They don't feel like they have a voice at the table of wealth transfer and those conversations.” “Younger generations want to see the data. They want to see the impact and the numbers. They want to get personally involved because they feel they can make the difference.” “We're seeing more and more people give from the ninety percent of their wealth, not just the ten percent they hold in liquid assets.” “I think God is showing up in tangible ways and urging people to give from all of their wealth and not just their liquid assets.” LINKS FROM THE SHOW National Christian Foundation (see our interview with President Emeritus, David Wills) The NCF Next Gen Stewardship Study Julie Wilson, President of Women Doing Well (see our past interview here) Generous Giving (see our interviews with cofounders Todd Harper and David Wills and CEO, April Chapman) Impact Foundation (see our interview with Founder, Aimee Minnich) The Millennial Impact Report Lilly Family School of Philanthropy – Lake Institute on Faith & Giving The Finish Line Community Facebook Group The Finish Line Community LinkedIn Group BIBLE REFERENCES FROM THE SHOW Luke 21:1–4 | The Widow's Offering Luke 8:1–3 | Women Supporting Jesus's Ministry WE WANT TO HEAR FROM YOU! If you have a thought about something you heard, or a story to share, please reach out! You can find us on Instagram, Facebook, and LinkedIn. You can also contact us directly from our contact page. If you want to engage with the Finish Line Community, check out our groups on Facebookand LinkedIn.
It's one of the largest transfers of wealth in human history—trillions of dollars moving from one generation to the next. But this moment isn't just about inheritance. It's about passing on faith, values, and a vision for generosity.To explore how younger Christians are reimagining stewardship, we spoke with Christin Fejervary, Vice President for Brand and Experience at the National Christian Foundation (NCF)—a trusted partner helping believers give wisely and joyfully.From Obligation to Joyful GenerosityChristin's passion for generosity began early, though not in the way it's shaped her life today.“As a kid,” she shared, “giving was more of an obligation. I watched my parents tithe every week, and I learned discipline from that—but it wasn't until my 20s and 30s, and especially through working at NCF, that I saw how generosity changes us. It frees us from being tied to the things of this world.”That personal transformation has guided her work—helping others experience the joy that comes when giving is no longer a rule to follow but a relationship with God to live out.What's Driving the Next Generation to GiveWhen it comes to generosity, Millennials and Gen Z are rewriting the playbook.According to NCF's research, millennials—now roughly ages 29 to 44—view philanthropy as part of their identity. For Christian millennials, that identity is deeply spiritual: “My life is a way to give away.”Christin explains:“They believe all resources have equal value—not just money, but time, influence, and relationships. They don't just want to write a check. They want to be part of the change.”This shift from transactional to relational giving marks a profound change from previous generations.Reimagining Traditional ToolsYounger Christians aren't abandoning tools like donor-advised funds, estate plans, or investment portfolios—they're personalizing them.“They want to see impact,” Christin said. “They're asking, ‘How is my giving being used?' and ‘What difference is it making?'”They're also expanding how they define stewardship—using investment portfolios for charitable investing and seeking spiritual returns as much as financial ones.At NCF, this has led to growing interest in community-based giving. Across the country, younger givers are joining together to give collectively, blending faith, friendship, and impact.What Advisors Need to KnowFinancial advisors also play a key role in this transition. But Christin says serving the next generation requires a shift in mindset.“Younger Christians want to co-create their giving plans. They want a seat at the table and a voice in the process. It's not just about managing money—it's about helping them uncover all the ways God's entrusted them to give.”For advisors, that means focusing less on control and more on collaboration, connection, and calling.How Families Can Have Faith-Filled ConversationsGenerosity isn't just a financial transaction—it's a family story. Cristin encourages families to start there.“The data shows that both generations—young and old—see faith as a guiding principle,” she said. “The key is to unpack what faithfulness looks like for each generation. When families share stories of how God has provided and guided them, something powerful happens.”Listening to one another's experiences helps bridge differences and creates a shared vision for stewardship across generations.How NCF Is Helping the Next Generation Live GenerouslyAt the National Christian Foundation (NCF), this generational shift is sparking new ideas and tools for families and advisors alike.New Research & Resources: NCF has published a comprehensive Next Gen Generosity Report—designed to help both older and younger generations navigate these conversations.Experiences & Events: Through community gatherings and local partnerships, NCF helps families explore generosity together—often in creative, organic ways led by next-gen participants.Collaboration with Advisors and Churches: NCF connects givers to trusted partners who can guide them through every stage of stewardship—from first-time donors to business owners planning legacy gifts.You can explore these resources at FaithFi.com/NCF or NCFgiving.com/nextgenresearch.The Power of AgencyOne key insight from NCF's research is the role of agency in healthy stewardship.“We define agency as the ability to act on the free will God gives us,” Cristin explained. “The more we step into that responsibility—making decisions, taking ownership—the more confident and joyful we become.”That means even those who inherit wealth should be encouraged to find their “Gen 1” opportunities—ways to take initiative, make decisions, and live out their calling to give.The Influence of Women in GenerosityAnother striking finding: women—especially mothers—play a major role in shaping generosity.“Seventy-two percent of millennials we surveyed said their mothers were the biggest influence on their giving,” Cristin shared.Yet, the research also revealed that many women feel unheard in family wealth decisions. The next step, Cristin says, is ensuring their voices are part of the conversation.“This is the time to incorporate women's perspectives in giving and wealth transfer. Their influence is profound—and essential.”Passing Faith Along With FinancesAs this great wealth transfer unfolds, Cristin reminds us that what we pass on matters more than what we possess.“It's not just about money moving between generations,” she said. “It's about passing along faith, values, and purpose.”And that's a legacy that truly lasts. Learn more about how you can make generosity part of your family's story at FaithFi.com/NCF.On Today's Program, Rob Answers Listener Questions:Our home is fully paid off, and we're nearing retirement. I've heard you discuss reverse mortgages, but I have always been hesitant. What are the real benefits and drawbacks, especially regarding the accumulated interest? Also, what kind of closing costs or fees should we expect, and which company do you recommend?I'm approaching my required minimum distribution and recently learned about qualified charitable distributions (QCDs). Can I withdraw the money first and then donate it, or must it go directly to the charity to qualify?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)The National Christian Foundation (NCF)NCF Next Gen Generosity ReportWomen, Wealth, and Faith Research Study (Sign up to Participate) - Partnership with Women Doing Well and the Lake Institute on Faith & GivingWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
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