Podcasts about rbc

Brenda and Eddie got in the car and began their Thursday evening ritual. “Where would you like to eat?” “Oh, Eddie, I don’t care, anywhere is fine, really.” Eddie’s been here before. “Okay, how about The Windmill?” Brenda bristles, “No, anywhere but there!” Eddie sighs. “So where then?” Brenda insists, “Really, anywhere is fine.” It’s the stuff of comedy sketches, humorous from a distance because we know how maddening it is in the moment. Sometimes it can be that way in our prayer lives too. We’re too vague. In contrast, the prayer in Daniel 9 reveals Daniel boldly saying what he wants. First, he confesses the sins of his people: “We have sinned and done wrong” (v. 5). Then he makes his requests. “Now, our God, hear the prayers and petitions of your servant” (v. 17). “Lord, listen! Lord, forgive! Lord, hear and act” (v. 19). God owed nothing to Daniel, but such was Daniel’s trust in God’s “great mercy” (v. 18) that he felt free to bring the full weight of his desires. It’s always right to pray “not as I will but as you will,” as Jesus prayed to His Father the night before He was crucified (Matthew 26:39). But there are also times when saying what we want is the way forward. God honors our boldness when we come before Him with repentant hearts. So be bold, pray what’s on your heart, and entrust it to the God of great mercy.

When Sun’s husband had a stroke, her life took a dramatic turn. She found herself having to assist her husband with daily living activities and cope with his emotional outbursts. For seventeen years, she’d faithfully cared for her husband. When a fall hastened his decline, however, the weight of caregiving finally became too much, and Sun sank into depression. She shared, “I felt I’d lost my faith, and I couldn’t see God.” But looking back, Sun now believes that God saw her. She believes that in very real and timely ways, He soon provided subsidized home medical and nursing care to manage her husband’s chronic condition and sent social workers to support Sun in managing the emotional challenges of caregiving. God revealed himself as the God who sees in the story of Hagar. In Genesis 16, the slave Hagar was running away from her mistress’ mistreatment (v. 6) when the angel of the Lord found her “near a spring in the desert” (v. 7). He urged Hagar to “go back to [her] mistress” (v. 9) and assured her of His blessing. Even though Hagar was a nobody in her culture, God was watching out for her well-being. In gratitude, Hagar declared: “You are the God who sees me” (v. 13). God sees us in our distress too. We’re never alone because our loving Father knows our situation, and He’s trustworthy. We can cry out to Him for help and trust that He will lift us up.

It was Tuesday at the gym, so the people walking around the track were supposed to go clockwise. The first walkers my wife joined were doing that. But then another person walked onto the track going counterclockwise. A couple of her friends joined her—and then another. Suddenly there was chaos on the track—and it took a few minutes to restore order. While no harm was intended by the wrong-way walkers, I couldn’t help but think about the power of influence. One person headed the wrong way leads to another, and on it goes. It’s a bit like Proverbs 13:20: “Walk with the wise and become wise, for a companion of fools suffers harm.” Following the lead of a person going the wrong way leads to trouble. In Galatians 5, Paul explains how such a mistake can halt our spiritual progress. “You were running a good race,” he says. “Who cut in on you to keep you from obeying the truth? That kind of persuasion does not come from the one who calls you” (vv. 7-8). God, who desires obedience, never leads us away from truth and “into confusion” (v. 10). But those who oppose His truth can hamper our spiritual walk by redirecting us from Him. God wants to be our guide. When we walk with Him we’ll never wander in the wrong direction.

In the late nineteenth century, few people had access to the great sequoia groves in the US, and many didn’t believe the reports of the massive trees. In 1892, however, four lumberjacks ventured into the Big Stump Forest in California and spent thirteen days felling the grand tree named Mark Twain. Twain was 1,341 years old, three hundred feet tall, and fifty feet in circumference. One observer described Twain as a tree “of magnificent proportions, one of the most perfect trees in the grove.” They shipped part of this remarkable beauty, now destroyed, to the American Museum of Natural History where everyone could see a sequoia. The reality, though, is that we can’t prove every truth with our eyes alone. Hebrews describes faith as “confidence in what we hope for and assurance about what we do not see” (Hebrews 11:1). Faith isn’t irrational or a fit of fancy, because the whole story is grounded in a person—Jesus—who has entered human history. Faith includes human senses and reason, but it’s not limited to them. Faith requires more. “By faith we understand that the universe was formed at God’s command,” Hebrews says, “so that what is seen was not made out of what was visible” (v. 3). It’s often difficult to trust what we can’t touch or see or completely comprehend. But our faith in Christ, made possible by the Spirit, helps us to believe more than we can see.

The brain is remarkably small, but stress can make it even smaller. Recent research has revealed that cumulative stress can shrink the prefrontal cortex, the part of the brain responsible for managing emotions, impulses, and social interactions. This shrinkage is linked to anxiety and depression, highlighting the toll that a lifetime of stress can take. But there’s good news—the brain’s plasticity allows it to heal through intentional practices like exercise, meditation, and meaningful relationships. The psalmist in Psalm 119 understood this idea of growth and healing after facing stress and hardship, “It was good for me to be afflicted so that I might learn your decrees” (v. 71). Affliction, though painful, became the psalmist’s teacher—taking us from being “astray” from God to choosing to “obey [His] word” (v. 67). The psalmist expresses gratitude for his bitter medicine and God’s goodness (v. 68). While he understood that affliction and suffering could diminish him, he trusted God to use those experiences to refine and restore him (v. 66). Like our brains, our spirits are capable of being stretched. God uses this stretching to cause growth and renewal. Through Scripture, prayer, and a Spirit-inspired perspective, God can reverse the effects of our hardships. He can use our afflictions for our spiritual growth, transforming pain into purpose.

As a young man, journalist Sebastian Junger traveled the US and wrote about it. One day in the 1980s, he entered a restroom in the Florida Keys and found hateful graffiti scrawled on the walls. Most of it targeted Cuban immigrants. But one message, apparently from a Cuban, stood out. It read, “Thank God the rest of the people in this country are warm and caring and welcomed me in ’62.” Junger observed, “The very worst things about America were on that men’s-room wall, and the very best.” How are we to respond to the poisonous messages we so often encounter? The book of Proverbs offers sound counsel. Solomon, who compiled most of the book, brackets chapter 15 with similar imagery: “the mouth of the fool gushes folly” (v. 2), and “the mouth of the wicked gushes evil” (v. 28). The chapter begins, however, with the antidote to such venom: “A gentle answer turns away wrath” (v. 1). Solomon also noted, “The soothing tongue is a tree of life” (v. 4). Always, a patient response is key: “The heart of the righteous weighs its answers” (v. 28). How might God use our words when we ask Him to help us weigh them before our mouths, our pens, or our keyboards spew venom and vitriol at our fellow humans? As the proverb says, “How good is a timely word!” (v. 23).

As I opened the bookshelf assembly instructions with piles of boards and tools strewn on the floor before me, I viewed a set of instructional diagrams of what to do and what not to do. One diagram—with a large X on top—depicted a person staring at a pile of boards and tools with a bemused frown not unlike mine just a few minutes prior. On the right side was drawn the “correct” way to assemble. The only difference? A second person was there. Both figures now had smiles on their faces as they worked together. So I got my husband. “The instructions say I need your help,” I said, showing him the drawing. He laughed, and we assembled it together. I could have stubbornly tried to find a way to put it together on my own. But the manual was right; the process wasn’t meant to be done alone. In Romans 12, Paul urged new believers to not try to do life in Jesus alone. Instead of seeing themselves as self-sufficient and thinking of themselves “more highly than [they] ought” (v. 3), they needed to see themselves as part of an interdependent body, where every member needs each other’s help (vv. 4-8). As Jesus helps us learn how to “be devoted to one another in love” (v. 10), we can experience life “in harmony” with each other, where one another’s needs, griefs, and joys (vv. 13, 15) are never carried alone.

Carl Quintanilla, Sara Eisen, and Michael Santoli kicked off the hour with fresh data and a breakdown of what Black Friday's numbers are saying about the consumer... Plus: the market set-up into year-end with RBC's Head of U.S. Equity Research. Market veteran Ruchir Sharma also joined the broadcast with his take, and what he's calling a "once in a generation" market opportunity - before the team talked top holiday retail picks with one of the street's top analysts in the space. Also in focus: Details on Nvidia's new partnership with Synopsis sending those shares surging... The state of the race to buy Warner Bros. Discovery... And the Bitcoin breakdown as prices plunge in early trading.  Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pedro became a follower of Jesus at fifty. He’d been an angry, vindictive man who hurt those around him. As he received counseling from his church, he felt remorse over his past. “I now have less years ahead of me than behind me,” he said. “I want to live them well. But how?” Pedro found his answer in an unlikely source─a genealogy. As he read Moses’ account of Adam’s family line, he noted that one sentence was repeated to describe Adam’s descendants: “ ‘Altogether, [name] lived a total of [number] years, and then he died” (see Genesis 5:8, 11, 14, 17, 20, 27, 31). But one man was described differently.” Enoch was described as one who “walked faithfully with God” (vv. 22, 24). He drew near to God, and that’s how he spent his earthly life. Because of his faith, “he was commended as one who pleased God” (Hebrews 11:5). Enoch had a steadfast, abiding trust in who God was and what He’d do for those who sought Him (v. 6). He expressed his trust in the Almighty by acting on it and obeying Him, and his faith was such that God spared him from physical death (v. 5). “How can I live my years well?” Pedro asked. “By walking faithfully with God.” Our earthly life doesn’t have to be summed up in just a number. It can be summed up in our faith, which allows God to work in more ways than we can count.

Born Mary Flannery O’Connor, she’s best known as Flannery O’Connor, one of the American South’s most celebrated writers. Her stories brim with suffering and grace. When her beloved father died of lupus when she was fifteen, a devastated O’Connor threw herself into writing her first novel. Soon she herself was diagnosed with lupus, an incurable disease that took her life at thirty-nine. O’Connor’s writing reflects her physical and mental anguish. Novelist Alice McDermott said, “It was the illness I think that made her the writer that she is.” We don’t know what the apostle Paul’s “thorn” was (2 Corinthians 12:7), though many have offered conjecture. We do know that Paul said, “Three times I pleaded with the Lord to take it away from me” (v. 8). We also know God didn’t do so (v. 9). This humbled Paul. He notes how it kept him “from becoming conceited” (v. 7). Paul’s thorn formed him and made him the apostle that he was. But the thorn wasn’t all, for with the thorn came God’s sufficient grace and perfecting power, so the tormented apostle could declare, “When I am weak, then I am strong” (v. 10). The thorns in our lives, whatever they may be, form us. They make us who we are. But the thorns aren’t all there is. As Paul and Flannery O’Connor and countless others have witnessed over the long arc of human history: God’s grace is sufficient for us.

On May 29, 1925, Percy Fawcett sent a final letter to his wife before he ventured deeper into the unmapped jungles of Brazil. He was seeking a fabled lost city of great splendor, determined to be the first explorer to share its location with the world after years of searching. But his team of explorers got lost, the city was never found, and many expeditions failed to recover either. Percy’s courage and passion, while admirable, was squandered on a lost city that could never be reached. If we’re honest, there are many unreachable goals in our lives that hold a similar power over us. But there is a real treasure for each person that’s worth seeking with all of our heart, mind, and strength. In his letter to believers in Philippi, Paul put it this way: “I consider everything a loss because of the surpassing worth of knowing Christ Jesus my Lord” (Philippians 3:8). Unlike a fabled city—yielding riches, fame, or power—knowing Jesus and believing in Him is a treasure without equal. It’s the very thing for which we have been made. Worldly goals of power or status, or even the appearance of righteousness through keeping the law, are nothing compared to knowing Jesus (vv. 6–7). Are we spending our time and energy on something that can never satisfy? May Christ help us check what “city” we’re seeking.

Canada is pulling back from progressive policies, but were we ever really committed to them in the first place? Whether it's the reversal on DEI from BMO, RBC, and Shopify or Carney's shift away from a feminist foreign policy, Canada is quietly pivoting from Trudeau-era progressive policies. Plus, concerns over Quebec's proposed constitution and the Blue Jays get aggressive in Japan.Host: San GrewalCredits: James Nicholson (Producer), Jules Bugiel (Associate Producer and Fact Checking) Caleb Thompson (Mixing and Mastering), max collins (Director of Audio), Jesse Brown (Editor)Guest: Morgan Campbell Further Reading On Our Website Sponsors: CAMH: CAMH is building better mental health care for everyone to ensure no one is left behind. Visit camh.ca/canadaland to make a donation and double your impact. Squarespace: Check out Squarespace.com/canadaland for a free trial, and when you're ready to launch use code canadaland to save 10% off your first purchase of a website or domain.Article: Article is offering our listeners $50 off your first purchase of $100 or more. To claim, visit article.com/canadaland and the discount will be automatically applied at checkoutIf you value this podcast, Support us! You'll get premium access to all our shows ad free, including early releases and bonus content. You'll also get our exclusive newsletter, discounts on merch at our store, tickets to our live and virtual events, and more than anything, you'll be a part of the solution to Canada's journalism crisis, you'll be keeping our work free and accessible to everybody. Hosted on Acast. See acast.com/privacy for more information.

One Thanksgiving I called home to greet my parents. As we talked, I asked my mom what she was most grateful for. She exclaimed that she was most grateful that “all three of my children know how to call on the name of the Lord.” For my mother, who’d always emphasized the importance of education, there was something more valuable than her children doing well in school and taking care of themselves. Her sentiments remind me of Proverbs 22:6: “Start children off on the way they should go, and when they are old they will not turn from it.” While this isn’t a promise, and many children do wander from God for a least a season of life, she and my father had strived to raise us to humbly, reverently love God (v. 4)—primarily through example. Now, by His grace, they were able to see us grow older and benefit from a personal relationship with Him. As verse two says, God is “the Maker of . . . all.” And although some children will respond to loving instruction in Christ, others might take longer to perhaps hear His voice. For those precious children, we continue to pray and rest in God’s timing. Mom’s humble thanksgiving points to what’s most important in life. Reverently loving God yields spiritual riches for this life and beyond (v. 4). And while we can’t control what children will choose do, we can rest in the hope that God will lovingly continue to work in their hearts.

When I was a little girl, I loved the old hymn “Count Your Blessings.” The song encourages those who are “tempest-tossed” and “thinking all is lost” to “count your blessings, name them one by one.” Years later when my husband, Alan, was discouraged, he would often ask me to sing that simple song to him. Then I would help him to enumerate his blessings. Doing so took Alan’s focus off his struggles and self-doubt and centered his thoughts on God and his reasons for thankfulness. The book of Ezra describes God’s people facing overwhelming challenges through focusing on God’s power and provision. After they’d endured decades of captivity in Babylon, King Cyrus allowed the Jewish exiles to return to Israel to rebuild the temple (Ezra 1-2). Only a fraction returned (2:64). Despite their “fear of the peoples around them” and the great task before them, they rebuilt the altar and laid the temple’s foundation (3:3, 10). Then “with praise and thanksgiving they sang to the Lord: ‘He is good; his love toward Israel endures forever.’ And all the people gave a great shout of praise to the Lord” (3:11). If you’re discouraged or facing seemingly insurmountable obstacles, turn your thoughts toward God. “Count your blessings . . . and it will surprise you what the Lord has done,” and continues to do, for those who love Him.

George Tsilis jumps on to Opening Bell to look at Autodesk's (ADSK) premarket surge after earnings. The company's CEO says long-term growth is due to steady A.I. demand, prompting the company to raise its revenue outlook. Meanwhile, Workday (WDAY) shares were going the opposite direction after it topped earnings estimates in its 3Q report. George points to several analyst moves including multiple price target cuts from Stifel, RBC, Bernstein and TD Cowen. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Bruce speaks with Lucianna Adragna, Vice President of Client Segments at RBC, about new research on how Canadian parents feel about talking to their kids about money. Lucianna shares why so many parents lack confidence, how their own financial stress holds them back, and why waiting for “big life moments” to start the conversation is a missed opportunity. She offers practical ways to weave money lessons into everyday life—at the grocery store, with allowances, and with simple save/spend/give systems—so kids can learn healthy habits long before they move out on their own. Connect on X/Twitter, Facebook and Instagram.

When I was younger, I thought it improper to ask God to help me meet writing deadlines. Other people have greater needs, I told myself. Family problems. Health crises. Job letdowns. Financial needs. I’ve faced all those things, too. But meeting a writing deadline seemed too small to take to God. I changed my view, however, after finding multiple examples in the Bible of God helping people regardless of the challenge they faced. In one story, the Israelites were dismayed because they faced an attack at Mizpah by their enemies, the Philistines. “[The Israelites] said to Samuel, ‘Do not stop crying out to the Lord our God for us, that he may rescue us from the hand of the Philistines’ ” (1 Samuel 7:8). In response, Samuel sacrificed a lamb to God, crying out to Him on Israel’s behalf, “and the Lord answered him” (v. 9). “While Samuel was sacrificing the burnt offering, the Philistines drew near to attack Israel. But that day the Lord thundered with loud thunder against the Philistines and threw them into such a panic that they were routed before the Israelites” (v. 10). Later, “Samuel took a stone and set it up between Mizpah and Shen. He named it Ebenezer, saying, ‘Thus far the Lord has helped us’ ” (v. 12). Samuel placed the stone to commemorate God helping His people. Ebenezer means “stone of help.” Asking God for help is always proper. Let’s call out to Him today.

AI momentum is converging with rising credit stress, softening consumer trends, and a pivotal December Fed decision. RBC's Amy Wu Silverman, Head of Derivatives Strategy, joins Ben Fisher and Callie Simpkins of Cross-Asset Sales to unpack how investors are managing risk through shadow hedging, quietly preparing for downside even as they maintain upside exposure. They also explore how hyperscaler issuance, retail exhaustion, and shifting sentiment are shaping the next phase of market risk in this episode of RBC Capital Markets' Strategic Alternatives.

In this episode we dive into the powerful “light-bulb moments” that can transform the way you manage your money. Bruce Sellery speaks with personal finance expert Preet Banerjee, who shares the compounding insight that changed his financial life at age 16—plus the surprising math behind why starting early matters far more than saving perfectly. Then, Bruce talks with Julie Kuzmic of Equifax Canada, who explains the often-misunderstood mechanics of credit scores, from utilization timing to how collection accounts really work. Later, RBC's Lucianna Adragna joins to unpack new research on why parents struggle to talk to their kids about money, and how to make financial lessons part of everyday life. The episode wraps with Didier Lavallée of Tetra Digital, explaining what Canadians need to know about Stablecoin, why it's gaining popularity, and how blockchain-enabled digital dollars may shape our financial future. A packed, practical episode full of insights to help Canadians make smarter, more confident money decisions. To find out more about the guests check out: Preet Banerjee: Instagram Julie Kuzmic: X/Twitter | LinkedIn Lucianna Adragna: X/Twitter | Facebook | Instagram Didier Lavallée: LinkedIn Tetra Digital: LinkedIn Bruce Sellery is a personal finance expert and best-selling author. As the founder of Moolala and the CEO of Credit Canada, Bruce is on a mission to help you get a better handle on your money so you can live the life you want. High energy & low B.S., this is Moolala: Money Made Simple. Find Bruce Sellery at Moolala.ca | Twitter | Facebook | LinkedIn

Alida took a DNA test in 2020 and discovered a strong match to a man living on the opposite coast of the US. Later, she and her daughters found news articles from the 1950s that led them to conclude that the man was Alida’s long-lost uncle, Luis! He’d been abducted from a park in 1951 when he was six years old. That DNA test, taken seventy years after Luis’ disappearance, eventually led to a happy reunion with his biological family members. Alida said, “With [our] story out there, it could help other families . . . . I would say, don’t give up.” Seventy years is a long time to keep hope alive. Jeremiah and the people of Judah must have been heartbroken and fearful when God said they would “serve the king of Babylon seventy years” (Jeremiah 25:11). But they hadn’t listened to God and turned from their “evil ways and . . . practices” (v. 5), which had deformed them into “an object of horror and scorn” (v. 9). The people were condemned more than thirty times in Jeremiah for not listening to Him. Seventy years might have felt like forever, but God would be with them, and He promised that the hard season would eventually end (29:10). As we face challenging seasons that seem to go on and on, let’s remember that while we may struggle to trust God, He promises that He’s with us and loves us (v. 11). As we listen to Him and wait expectantly, we can find hope.

Mario was a 28-year-old crack and alcohol addict who was imprisoned for burglary. At his sentencing the judge said he was “a waste of a human life.” Mario sadly agreed. Midway through his jail time he saw an advertisement for a journalism contest. It piqued Mario’s interest, and he enrolled in a nearby university. He was hooked. Mario loved working on news stories, and after his release he finished his master’s degree in journalism and now writes for The New York Times. He’s a waste no more! The life of the demon-possessed man living in the tombs seemed a waste to anyone who knew him. His neighbors bound him with chains for their protection and his, but “he tore the chains apart and broke the irons on his feet” (Mark 5:4). He ran back to the tombs where “night and day . . . he would cry out and cut himself with stones” (v. 5). Then he was changed forever. Jesus cast out the man’s demons and returned him to normal society. The town was amazed to find him “sitting there, dressed and in his right mind” (v. 15). The grateful man wanted to sail away with Christ, but He said no. “Go home to your own people,” said Jesus, “and tell them how much the Lord has done for you, and how he has had mercy on you” (v. 19). This man’s mission is our mission. Let’s tell others about Christ. Because of Him, no one’s life is a waste.

My father first locked eyes on my mother at a party in London. Next he gate-crashed a second party, then organized a third, just to see her again. Finally, he asked Mum out for a country drive, picking her up in his old Rover sedan—his treasured possession. Mum and dad became sweethearts, but there was a problem. Mum was about to move to Peru to become a missionary. Dad took her to the airport, then five months later arrived in Peru himself—to propose to her. And the best part of the story? He’d sold his beloved Rover to pay for the plane ticket. If you would’ve asked Mary, the sister of Martha and Lazarus, what her most treasured possession was, she’d have shown you a precious bottle of “expensive perfume” (John 12:3). And if you’d have been at the party she and Martha threw for Jesus (v. 2) and watched her lavish that bottle’s contents on his feet, you’d have known just what Jesus meant to her. He was that precious, that valuable. For my mother, Dad selling his car wasn’t just about a plane ticket. It was a sign of how much he valued her. And Mary’s actions had deeper meaning too—she was preparing Jesus for His burial (v. 7). Like her, when we sacrifice for God what we treasure most, we take part in His redemptive work by echoing His great sacrifice for us.

Two pilots fell asleep in the middle of their flight over Indonesia. While the commanding pilot had permission to nap once the plane reached cruising altitude, he woke up to find that his co-pilot had also dozed off. The two were asleep for about thirty minutes with more than 150 passengers and crew on board and while at approximately 36,000 feet altitude. The plane had veered off course, but thankfully, the plane still arrived at its destination safely. Human pilots may snooze mid-flight, but we can rest assured that God never falls asleep. I find such comfort in the words of Psalm 121. In eight verses, we’re reminded that God is omniscient, or all-knowing, about our life; omnipresent, or present all throughout our day; and omnipotent, or all-powerful, and can protect us. The psalmist declares that our help comes from God (v. 2). He is our keeper and shade (v. 5), and He guards us from all evil while preserving our soul (v. 7). God never gets tired. “He will not let your foot slip; he who watches over you will not slumber” (v. 3). “The Lord will watch over your coming and going, both now and forevermore” (v. 8). When we’re wondering if God has forgotten us, we can rest assured that He is at the wheel. He is always awake and watching over us.

Do you ever feel like a fraud? You aren’t alone! In the late 1970s two researchers identified “imposter syndrome” as the condition of doubting one’s skills, talents, or abilities and interpreting ourselves as a fraud. Even successful and brilliant people struggle with inadequacy, worrying that if anyone peeked behind the curtain of their lives, they’d see how much they don’t know. Paul exhorts the people of the first-century church in Rome to be humble. “Do not think of yourself more highly than you ought, but rather think of yourself with sober judgment” (Romans 12:3). We understand the importance of not elevating our abilities. But when we doubt our own value, we go too far, robbing others of the gifts God wants us to use to serve Him. To think of ourselves with “sober judgment” (v. 3) is to have a sane estimation—a realistic regard—for what we offer. Paul nudges us to overcome our hesitancies, to embrace who we are “in accordance with the faith God has distributed to each of you” (v. 3). In this way, God’s body of believers may be built up (vv. 4–8). Rather than degrading our offerings with imposter syndrome, let’s embrace God’s giftings within us. By gratefully accepting God’s grace, we can think neither too highly nor too lowly of ourselves. In doing so, we please our Father and build up His body of believers.

The freelance project wasn’t working out well. The clients were demanding what seemed to be the impossible, and I was stressed and discouraged. My first reaction was just to walk away from it, which would mean not getting paid for the work I’d done—and also eliminating the possibility of future projects with them. Then the thought came to me: Have you prayed to God yet? Mentally slapping my forehead, I realized that I’d neglected to ask God for help! And so I prayed . . . and immediately felt better. Nothing had changed—the project remained challenging—but I felt peace wash over me. Now, I knew I could rest in God: I’d just do whatever I could and leave the outcome to Him. Perhaps David felt the same way when he submitted his fears and worries to God. In Psalm 6, he started off describing his anguish at being hounded by his enemies (Psalm 6:3, 7). But as he continued turning to God for help, he felt reassured: “The Lord has heard my cry . . . the Lord accepts my prayer” (v. 9). That truth came with the hope that he would be delivered, in God’s time and way (v. 10). Prayer isn’t some feel-good technique, but it’s a direct connection with an all-seeing, all-powerful God who will help us in His time and way. Feeling down or discouraged? Just pray—God hears.

Physician Christian Ntizimira sensed God’s calling to provide end-of-life care in under-resourced areas of his home country of Rwanda. Colleagues often didn’t see the value of such care because “these patients were already considered hopeless.” But Ntizimira found that for patients and their families, his “presence offered a rekindling of hope when all seemed lost.” Ntizimira is grounded in his work by the conviction that Jesus’ death and life can transform how we approach death because “the death of Christ is the source of life.” In 2 Timothy, the apostle Paul testified to how the reality that Jesus “destroyed death and . . . brought life and immortality to light through the gospel” (1:10) changed how he understood his suffering. Though Paul was a prisoner facing possible execution (2:9), Jesus’ resurrection grounded him in his calling—to point others to salvation through Christ (v. 10). For “if we died with him, we will also live with him; if we endure, we will also reign with him” (vv. 11-12). Dying with Jesus doesn’t just mean what happens at believers’ literal deaths. In his letter to the Romans, Paul explained that, as symbolized in baptism, believers are united with Christ’s Spirit in His death and resurrection life (Romans 6:4-8). Because Jesus lives in us, even when we face death’s terrors, we can live for and witness to Him.

In this episode, I talk with Ron Homer – Chief Strategist for Impact Investing at RBC Global Asset Management, and one of the earliest architects of community development investing in the United States.Ron's perspective was shaped in Bedford-Stuyvesant, where he watched a thriving neighborhood decline not because of its people but because mortgage support and investment disappeared. That experience set him on a five-decade mission to help redirect capital back into places that had been overlooked.He went from banking in Boston to co-founding Access Capital Strategies, where he flipped mortgage-backed securities into something that actually supported low- and moderate-income communities.In 1997, he co-founded Access Capital Strategies with the goal of creating market-grade, fixed-income products that were community-aligned. His idea was to use the same mortgage-backed security structure that powered Wall Street, but build it around loans made to low- and moderate-income borrowers.The model showed that you could structure institutional-grade portfolios that delivered both financial performance and community impact.In 2008, Access Capital Strategies was acquired by RBC Global Asset Management. When the global financial crisis hit shortly after, Ron's portfolios outperformed, especially for clients like New York City. “We were the highest performing investment – made 10% – because people who had 30-year fixed-rate mortgages and were buying them for shelter didn't default.”Today, Ron leads RBC's U.S. impact investing strategy, part of a fixed income platform with about $80 billion AUM. His team oversees about $3 billion in community investment strategies. These include customized portfolios primarily composed of agency-backed mortgage securities targeted at low- and moderate-income borrowers, as well as allocations to SBA loan securitizations and municipal bonds.And the results are measurable: over 50,000 individual homes financed, tens of thousands of affordable multifamily units, and for institutional clients like the City of New York, quarterly reports that track each dollar to the specific mortgage, census tract, borrower income level, and racial demographics, down to the loan level.But data only tells part of the story. What keeps Ron going is something deeper: the ripple effect.He believes homeownership and small business act as beacons within communities. “If you have one or two people who take pride in their home, maybe that becomes three people and four people and five people." That's how change takes root, with visible progress that others want to join.Ron also sees what he calls “conditioned helplessness”, a kind of behavioral resignation that sets in when people stop believing their efforts will make a difference.“Some people think the only way to get money is through concessions. But the community doesn't need concessions. They need access.”Ron didn't invent impact investing. But he helped prove it can work, not just morally, but financially. And he did it by choosing reform over revolution, trusting the data, and never letting go of the lesson from Bed-Stuy: that pride and ownership, applied the right way, can change everything.Tune in.—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK—Additional Resources:- Ron Homer LinkedIn- RBC Global Asset Management

Could eight minutes change someone’s life? In a world where meaningful connections can be rare, author Jancee Dunn proposes the power of an eight-minute phone call. She believes such brief calls can help us connect with family and friends. Studies show that such calls a few times a week help reduce depression, loneliness, and anxiety. And Dunn cites the research of other experts who affirm that minor relationship adjustments can profoundly affect our well-being and that of others. This insight aligns with Proverbs 12:25, which states, “Anxiety weighs down the heart, but a kind word cheers it up.” In this verse, anxiety refers to a person’s emotional response to a threat to their well-being. Being anxious can also stem from fear and uncertainty about the future. For believers in Jesus, reassuring and encouraging words can help transform others’ anxiety into cheerfulness and lead to real life (v. 28). Those words can also provide signposts to help others “choose their friends carefully” (v. 26). Let’s pray and ask God who might need an eight-minute call with encouraging words based in Scripture. Though brief, this simple act of connection might just be the spark He uses to lighten someone’s load, brighten their day, and offer them hope and healing.

Locals call it “The Road to Nowhere,” but its official name is Lakeview Drive. It’s a scenic six-mile stretch overlooking Fontana Lake in the Great Smoky Mountains National Park near Bryson City, North Carolina. After the road goes through a 1200-foot-long tunnel blasted out of a granite mountainside, it abruptly stops. The government spent millions of dollars until environmental concerns discovered later ended the project. Jesus, who was a carpenter by trade, once told a construction parable about counting the cost of following Him. “Suppose one of you wants to build a tower,” He asked. “Won’t you first sit down and estimate the cost to see if you have enough money to complete it?” (Luke 14:28). Another parable follows about a king who considers the cost of going to war, and it makes the same point. Speaking to the “large crowds . . . traveling” with Him (v. 25), Jesus wanted them to understand that there was a cost to sincerely believing in and following Him. Following Jesus only because of what He can do for us is a “road to nowhere.” But following Him for Him—turning daily from sin and self-focus to live for Him and His kingdom (carrying our “cross,” as He put it in v. 27)—changes everything. The cost must be counted. But He’s worth it.

For her daily devotions, Julie began singing the Scriptures. “As I sang, my heart and mind actually began to do and believe what I was singing about!” Through vocalizing God’s Word in song, Julie wanted His truth to shed light on the things she disliked about herself, such as her voice and her height. She said: “I began to sing from Song of Solomon 1:5: ‘Dark I am, yet lovely.’ ” (In that agrarian culture, a woman tanned by the sun wasn’t seen as beautiful.) Singing this Scripture passage, God changed her thoughts. Suddenly she understood: “God loves me even though I am not perfect.” Julie sang from a beautiful poem from the Old Testament’s Wisdom Literature. Some people interpret the Song of Songs as an allegory of God’s love for His people, but many view it as a celebration of marital love. In witnessing the beauty of the couple’s commitment to each other, we can echo the friends’ words: “We rejoice and delight in you; we will praise your love more than wine” (v. 4). However we interpret these ancient words, we can affirm with Julie that God revels in His chosen people. As He says elsewhere in the Old Testament: “You are precious and honored in my sight, and . . . I love you” (Isaiah 43:4).

When a country erupted in civil war, authorities conscripted a man into military service. However, he objected. “I don’t want any part in destroying [my country].” So he left it. Because he didn’t have proper visas, however, he eventually found himself stuck in another country’s airport. For months, airport employees gave the man food and thousands followed his tweets as he roamed terminals, knitted scarves, and clung to hope. Hearing of his perpetual plight, a community in Canada, raised money, and found him a job and a house. Lamentations presents the cry of Jeremiah who waited for God and the end of His discipline for the sins of his people. The prophet remained confident in an everlasting God who he knew could be trusted. “The Lord is good to those who hope in him” (3:25). God’s people can experience hope even when troubles overwhelm and relief seems impossible. Though they might need to “[bury their] face in the dust” and humbly accept God’s discipline, they can cling to the reality that “there may yet be hope” (v. 29). However desperate the situation, those who know God can experience a hope that flows from Him. “It is good to wait quietly for the salvation of the Lord” (v. 26). Without answers or any clear way of escape, we wait for God to help us. We wait, with hope, for the God who’s proven Himself faithful over and over again.

One of the deadliest wildfires in US history decimated the town of Lahaina, Hawaii, in August 2023, killing ninety-nine people and destroying more than two thousand buildings. Still reeling from the devastation, residents experienced additional trauma when some looters pillaged buildings and greedy realtors attempted to gobble up land. The corrupt desire to take advantage of tragic circumstances is the backdrop of a strong message from God to the nation of Edom. The prophet Obadiah warned the Edomites, Israel’s enemies for generations (Ezekiel 35:5), of God’s coming justice because the Edomites used their geographic advantage (Obadiah 1:3), acquired wealth (v. 6), alliances with other nations (v. 7), wisdom (v. 8) and military strength (v. 9) to exploit the weak. Obadiah also rebuked the way Edom gloated as Israel was sent into captivity. Instead of compassion, Edom looted Israelite homes and marched through defeated cities in victory (vv. 12-13). Although Lahaina residents saw despicable actions, they also experienced kindness when churches on the island became hospitality centers offering shelter, hot meals, and emergency supplies. When someone is suffering, we face a similar choice. We can try to benefit from their loss. Or we can respond in the way God desires, like the churches in Lahaina, with kindness and generosity.

Latin America is entering a period of rapid economic growth, urbanization, and industrial expansion. Unlike North America and Europe, where primary energy demand has been flat for more than a decade, the region's energy consumption is rising sharply. A young, increasingly urban population is pushing electricity and fuel demand higher, placing new pressure on infrastructure and supply. This demand surge is colliding with a second global shift: the explosive rise of AI and hyperscaler data centers. These digital megaprojects require enormous volumes of power, often sourced from natural gas, renewables, or hybrid portfolios. Latin America, with its prolific basins, high solar irradiation, hydropower potential, and significant natural gas reserves, is strategically positioned to supply this emerging demand. Yet the region remains capital constrained, and traditional financing channels have not kept up. New financial tools, such as tokenized assets, sustainable linked bonds, and AI-enabled verification, offer a path forward. These instruments can reduce sovereign risk premiums, improve transparency, and unlock large-scale investment in energy infrastructure, LNG, renewables, and data center development. My guest in this episode is Eduardo Rodriguez, founder and CEO of PoseidonX, who last joined the podcast in 2020 to discuss tokenization and information asymmetry in private markets. In this conversation, we explore how the landscape has shifted, why Latin America is becoming a focal point for global capital, and how digital finance can accelerate development across energy, infrastructure, and digital economies.

Each fall in my youth, my grandmother got the JCPenney Christmas catalog. With a zealous delight, I spirited it away to ponder its marvelous images. These days, those images show up on our smartphones daily—the algorithmic distillation of our hopes and dreams, a personalized feed tailored to us. It’s easy to get lost in them. Recently, experts have named this digital phenomenon dreamscrolling. A survey conducted by OnePoll indicates that the average U.S. smartphone user dreamscrolls more than two hours a day! The images that tantalize our hearts invite us to hope, to believe, that if we just had this one thing, it would all be good. Scripture, in contrast, invites us to relinquish our grip on material things. In 1 Peter 1:3-4, we read, “In [God’s] great mercy he has given us new birth into a living hope through the resurrection of Jesus Christ from the dead, and into an inheritance that can never perish, spoil or fade.” Peter contrasts our temporal yearnings with the promise of something that will satisfy: placing our hope in God’s grace. Later, he adds, “Set your hope on the grace to be brought to you when Jesus Christ is revealed at his coming” (v. 13). Truth? I’m a dreamscroller. But I’m asking God to help me gradually learn to live into His bigger hope, to set my desire fully on Him.

Welcome to the Tearsheet Podcast, where we explore financial services together with an eye on technology, innovation, emerging models, and changing expectations. I'm Tearsheet's editor in chief, Zack Miller. We've been covering AI in financial services for a while now—chatbots, generative AI, fraud detection models. But something fundamental is shifting. We're moving beyond AI as a tool that assists humans to AI as an actor that takes action on our behalf. Agentic AI is no longer a research project. It's live. Capital One has AI agents helping consumers buy cars. Visa is letting AI agents spend your money. RBC has agents executing trades, learning and adapting in real-time to market conditions. It's already here. The question is: what does it take to make this work at scale? What infrastructure do you need when an AI agent is handling real financial transactions at 2 AM? How do you architect for reliability when there's no human in the loop? My guest today is Kevin Levitt, who leads global business development for financial services at Nvidia. Before Nvidia, Kevin spent years inside fintechs like Credit Karma and Roostify. At Nvidia, he's working with firms like Capital One, Visa, and RBC as they deploy agentic AI in production—not pilot programs, actual live systems processing real transactions. We're digging into the case studies, the computational demands of multi-agentic systems, the security challenges when agents control money, and what financial institutions need to be thinking about now. Nvidia's Kevin Levitt is my guest today on the podcast.

Late autumn 1941. The Sunday service had just concluded. As their father lingered at the little north-country church, my dad and his siblings walked the short distance home. When their father came up the snowy hill to the farmhouse, he was crying. He’d just learned Pearl Harbor had been bombed. His sons—my dad included—would be going to war. Dad always recalled the moment in vivid detail. Researchers call such events “flashbulb memories”—moments seared into our minds. Think of 9/11, or the day you lost someone close. Think too of your most joyous experience. Imagine the flashbulb memories of Jesus’ disciples. They witnessed miracle after miracle. Suddenly, catastrophe struck. The Son of God was arrested and crucified. But then, resurrection! Mary Magdalene hurried to tell the disciples, “I have seen the Lord!” (John 20:18). Still, the disciples hid in fear. They didn’t believe the news (Luke 24:11), not until “Jesus came and stood among them” (John 20:19). Then, “The disciples were overjoyed” (v. 20). John recorded some of those moments, saying, “These are written that you may believe that Jesus is the Messiah, the Son of God, and that by believing you may have life in his name” (v. 31). “Flashbulb memories” with eternal significance.

Rosie’s birthday celebration was unforgettable. The food was tasty, the table banter was fun, and the presence of her first grandson was icing on the cake! These good things, however, paled in view of her two sons’ tributes to her. Though Rosie’s marriage didn’t last, her exceptional skills as a single mom marked her sons. Their accolades reflected how she did everything possible to provide for their needs. The younger son’s comment best captured Rosie’s posture before them: “She [is] a God-fearing woman.” In Proverbs 31:10-31 readers get to see what “fear-informed wisdom” looks like in the home. The fear of the Lord (v. 30), a humble reverence for God, compels one to be trustworthy (vv. 11-12) and hardworking and thrifty (vv. 13-19). And, while the wise woman possesses a “home first” attitude (vv. 21- 28), that doesn’t mean “home only.” Meeting needs of outsiders also gets attention (v. 20). As with Rosie, the lifestyles of God-fearing women don’t go unnoticed—especially among those who live with them (v. 28). It’s not surprising when those closest to them sing their praises. Want to be a God-fearing follower of Jesus? Why not ask God for His help? And don’t be surprised when those prayers are answered—even when challenged by the pressures and circumstances of life.

Diognetus, a second-century pagan, noticed that followers of Christ “day by day increase more and more.” This was despite regular persecution they endured under the hand of the Romans. He asked a believer in Jesus why this was true. In a document we know as the “letter to Diognetus,” that early church father replied to him, “Do you not see that the more of them are punished, the greater becomes the number of the rest? This does not seem to be the work of man: this is the power of God.” As Jesus gave His final words to His disciples before ascending into heaven, they could little imagine the growth the church would experience in the coming centuries. He told them, “Go and make disciples of all nations, baptizing them in the name of the Father and of the Son and of the Holy Spirit” (Matthew 28:19). This has become known as the Great Commission, but using this phrase to describe Jesus’ final words to His disciples can make it feel burdensome. In reality, this is what Jesus calls all those who follow Him to do: as we go about our day, make disciples. We don’t have to go to the ends of the earth; the message will travel wherever we carry it with us. Don’t be discouraged by the difficulties of the moment. Jesus also said, “I am with you always, to the very end of the age” (v. 20). We take Him with us everywhere we go.

RBC missionaries share how God is growing His church in every corner of the world, and how He uses circumstances and suffering to make Christ known. The post Missions Sunday 2025 appeared first on Reston Bible Church.

On a road trip to Montana one summer, we stopped at a rest area to stretch our legs. Inside one of the buildings was a young man who was singing a familiar praise song as he mopped the floor. Then he started singing the hymn, “It Is Well with My Soul.” I couldn’t resist. When he called out the phrase, “It is well,” I repeated it. When he sang, “with my soul,” I echoed the words. Together, we sang the last line: “It is well, it is well . . . with my soul!” He grinned, gave me a fist bump, and said, “Praise God.” When I got back to the car where my husband was waiting, he asked, “What’s with the big smile?” Think of the things for which we can praise God, such as His goodness, righteousness, compassion, promises, provision, and protection. And Psalm 145 is one of many psalms that urges us to continually praise Him. David wrote, “Every day I will praise you” (v. 2). Many people praise God by playing an instrument; others by reading or reciting Scripture; or by singing psalms, hymns, and spiritual songs (Colossians 3:16). Some express their praise through liturgical dance. But all genuine praise springs from hearts that are full of gratitude. Our spirits were designed to praise God. It’s because of His sacrificial love for us that we can say with confidence, “It is well with my soul!”

“No matter where you are, what you’re going through; use what you have and make the most of it,” said the young woman in a TV interview. Her words prompted me to listen carefully to the full story. I learned that she was one of six sisters working toward nursing degrees. They were once homeless and struggling. Yet they worked together to reach their common goal. And at the time the story aired, all six sisters were completing the nursing program at a local university. Numbers 27 tells the story of another group of sisters who worked together and supported each other. The five daughters of Zelophehad challenged a law about inheritance. They gathered together and stood before Moses to plead their case, saying, “Our father died . . . for his own sin and left no sons. . . . Give us property among our father’s relatives” (vv. 3-4). God answered with this revolutionary statement: “What Zelophehad’s daughters are saying is right. You must certainly give them property as an inheritance” (v. 7). The five sisters came together and sought God’s mercy as they stood before Moses. And God provided what they needed as they banded together before Him. Working together isn’t always easy as believers in Jesus. But as we seek God’s wisdom and direction with humility, we’ll find He can help us serve well together in Christ.

Thomas de Mahy was one of many aristocrats executed by rioting mobs during the French Revolution of the late eighteenth century. According to one legendary account, upon reading his death warrant, de Mahy responded, “I see that you have made three spelling mistakes.” If true, de Mahy pointedly disregarded a drastically more significant matter—his imminent death. Today we’re in danger of unintentionally missing a crucial point, one that concerns the body of Christ (the church). There are those who would distort its purpose. Maybe we see the church as a political action committee or as a place to be served. Perhaps we see it as a mere religious institution. The church’s priority, however, has always been the good news of Jesus. Paul told the believers at Corinth, “What I received I passed on to you as of first importance: that Christ died for our sins according to the Scriptures, that he was buried, that he was raised on the third day according to the Scriptures” (1 Corinthians 15:3-4). While other things may have an appropriate time and place, the gospel is of first importance. How can we be agents of God’s good news to a world so saturated with bad news? By asking God to empower us to share this good news whenever possible.

On January 14, 1973, when Super Bowl VII was played, perfection was on the line. Up to that point in the American football season, the Miami Dolphins had a perfect record—sixteen games without a loss. And when the Super Bowl was over, the victorious Dolphins would go down in sports history as the only team in professional football with a perfect record. Victorious. That’s also a designation that fits Jesus. A close look at His ministry reveals one victory after another. Matthew’s record of Christ’s ministry in Galilee (Matthew 4:23-9:38) includes summary statements on the front and back ends. “Jesus went throughout Galilee, teaching in their synagogues, proclaiming the good news of the kingdom, and healing every disease and sickness among the people” (4:23; 9:35). Christ was victorious over demons, disease, and death (see Mark 5:1-43). And what looked like a crushing defeat—His death on the cross—turned out to be the final victory. He defeated the ultimate enemy—death—by His own resurrection (see Acts 2:24). Victors—whether in sports or other fields of endeavor—are showered with awards and gifts. What’s the appropriate response to Jesus whose life, death, and resurrection have secured forgiveness and a right relationship with God for all who embrace Him? Nothing less than worshipful allegiance!

My friend Christine and her husband sat down to dinner at their aunt and uncle’s house. Her aunt had recently been diagnosed with an aggressive cancer. Before anyone started to eat, her uncle asked, “Does anyone have anything to say?” Christine smiled because she knew he meant, “Does anyone want to pray?” He wasn’t a believer in Jesus, but he knew Christine was, so this was his way to invite prayer. Speaking from her heart, she gave thanks to God for His care and requested that He would perform a miracle for her aunt. King Hezekiah became ill and had something on his heart to say to God after the prophet Isaiah told him he was going to die (Isaiah 38:1). He “wept bitterly” and pleaded, “Remember, Lord, how I have walked before you faithfully and with wholehearted devotion” (v. 3). His was an honest, desperate appeal for deliverance. Even though healing isn’t dependent on our “goodness,” and God doesn’t always heal, He chose to extend the king’s life by fifteen years (v. 5). After his recovery, he thanked Him (v. 16). God invites us to pray—whether it’s for an urgent need or to thank Him for something small or significant. He hears our prayers, sees our tears, and will answer according to His plan. Our place is to “walk humbly all [our] years” with Him (v. 15).

Andy Goldsworthy’s Grand Rapids Arch sits on the side of a road as if striding alongside travelers. The artist created the eighteen-foot-tall free-standing arch with thirty-six blocks of Scottish sandstone without using mortar or pins. The ascending angled stones, each one different and cut to fit together, depend on pressure created by a wedge-shaped keystone—the top center stone—to remain perfectly intact. The keystone is essential to holding the structure together, much like a cornerstone. The sculpture reminded me of how Jesus serves as “the chief cornerstone” of His diverse church (Ephesians 2:20). The gentiles—all non-Jewish people—were once “excluded from citizenship in Israel and foreigners to the covenants of the promise, without hope and without God in the world” (Ephesians 2:12). Jesus made “the two groups one” and “destroyed the barrier, the dividing wall of hostility” (v. 14). He created “one new humanity,” and “in one body [reconciled] both of them to God through the cross,” giving them all “access to the Father by one Spirit” (vv. 15-16, 18). Christ builds us up as a church “in which God lives by his Spirit” (vv. 20, 22). He sculpts each unique person, connects us to Him and to each other through Him, and walks with us. The church is joined by Jesus.

Something unusual happens in ten short verses starting with Acts 7:59. The story turns quickly from Stephen’s horrific death by stoning to other believers in Christ being scattered and “preaching the word,” leading to these amazing words: “There was great joy in [the] city” (8:8). That’s the paradox of persecution. European pastor Hristo Kulichev experienced the miracle of good coming from evil. In the 1980s, he was arrested for preaching and thrown in prison. While there, he spoke openly about the gospel of Jesus. On his release eight months later, he said, “We had a more fruitful ministry there than we could have expected in church. God was better served by our presence in prison than if we had been free.” From persecution to great joy—just like in the early church. When “great persecution broke out” (Acts 8:1), “those who had been scattered preached the word wherever they went” (v. 4). As a result, there was “great joy” in a city in Samaria (v. 8). When forces in our world stand against the truths and teachings of Scripture—especially the gospel—that’s not the time to give up. God moves in powerful ways when the church faces such difficulties. Peter said, “Do not be surprised” at such fiery trials. You’re “blessed, for the Spirit of glory and of God rests on you” (1 Peter 4:12–14). God has the power to turn persecution into something precious.

In 2010, nearly four thousand believers in Jesus gathered in Cape Town, South Africa. Participants from 198 countries were represented at the conference—a gathering considered to be the most representative meeting of the Christian church in the two thousand years since Jesus walked the earth. There will come a day when a gathering needn’t be “representative” because all believers will be together. John, in a vision from God, describes it this way: “I looked, and there before me was a great multitude that no one could count, from every nation, tribe, people and language, standing before the throne and before the Lamb”. . . “and they cried out in a loud voice: ‘Salvation belongs to our God, who sits on the throne’ ” (Revelation 7:9-10). Our local churches may not always reflect the many kinds of diversity that exist in God’s eternal kingdom. Sometimes that’s the result of factors outside our control—such as not being able to worship in person with those who live on other continents. Other times we may be drawn to worship with those we perceive to be similar to ourselves culturally, generationally, politically, and economically. But we honor God when we embrace—and even seek out—the beautiful differences He has endowed to His children. They offer a foretaste of that diverse, heavenly gathering when all those who trust in Jesus’ sacrifice will worship Him together.

Andres, the owner of an electronics company, was giving employees with outstanding sales records a day trip to a beach resort. Andres was also taking his seven-year-old son Jimmy. Before departure, he excitedly held his dad’s hand as everyone boarded the van. “You’re joining us? How many sales have you made?” one employee jokingly asked Jimmy. “None!” he replied, motioning to his dad. “He’s letting me join!” Jimmy didn’t have to work to earn his inclusion on the trip because his dad was paying his way. As believers in Jesus, we also don’t rely on our good works as the basis of our inclusion in Heaven. We’re granted access because of Jesus’ death and resurrection on our behalf. “The wages of sin is death” (Romans 6:23), and Jesus’ own blood was the “payment,” releasing us from our debt to Him. “In him we have redemption through his blood, the forgiveness of sins” (Ephesians 1:7). He opened the way for whoever believes in Him to “not perish but have eternal life” (John 3:16). Jesus’ work and our trust in that work gives us a place with Him for eternity. When we believe in Jesus as Savior, we become God’s children. Such is His “glorious grace, which he has freely given us” (Ephesians 1:6). Like Jimmy, we can look to our heavenly Father and say with confidence, “He’s letting me join!”

In the early 1930s, Cleo McVicker came up with a product that could be used as wallpaper cleaner. Back then, most homes were heated by coal, and walls became covered in soot. Cleo’s invention could be rolled over wallpaper and would pick up the grime. Well, the wallpaper cleaner never became popular, but decades later, a teacher used Cleo’s product in her classes to create Christmas ornaments. From that was born a new company—Rainbow Crafts—and the wallpaper cleaner was repurposed as a children’s toy, “Play-Doh.” On a far greater scale, God has a way of repurposing people. We remember the biblical story of Joseph and his “coat of many colors. As a young man he was a lowly shepherd and was sold into slavery by his brothers. But God led Joseph through great difficulties and into the top ranks of government. Eventually, Joseph became “repurposed” as “the ruler of all Egypt” (Genesis 45:26). Yet we must note the end of the story: Joseph’s calling was not about power but about grace, Jacob’s son, Joseph, extended grace to his brothers, forgiving them. Reuniting with his family, Joseph “kissed all his brothers and wept over them” (v. 15). In a sense, all of us are “failed products.” It’s through “the grace of a Son,” Jesus, that we are repurposed into greater things. As you do life today, think of your higher purpose and remember to extend grace to others, just as Christ does for us.

Shortly after his father’s unexpected death, Aaron gifted his mother with a framed, poster-sized photo of dozens of items that encapsulated his dad’s life—collectibles, photos, rocks, books, artwork, and more—each holding special meaning. Aaron spent days collecting the items and arranging them, and then his sister Rachel captured the arrangement in a photo. The gift was a visual tribute to their father’s life, who despite his decades-long struggle with self-loathing and addiction, never left his love for them in doubt. It also attested to God’s love and miraculous healing power that led to their father’s victory over addiction in the last decade of his life. When after forty long years God’s people crossed into the promised land, Joshua chose a man from each of the twelve tribes to gather a stone from the dry riverbed to “serve as a sign among [them]” (Joshua 4:1-6). Joshua used these rocks to create an altar and lasting tribute to God’s power and provision (vv. 19-24). The Israelites’ journey hadn’t been easy. But God had been with them providing water out of rocks, manna from the sky, and a pillar of cloud by day and of fire by night to guide them—and clothes that never wore out (Deuteronomy 8:4)! The memorial pointed to Him. God does amazing things! May what we leave behind be a lasting tribute to His love and power.