The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. 2 Corinthians 9:6 When it comes to giving, Christians should always want to sow bountifully. But sometimes our giving is limited by not knowing what we can give. We’ll talk about that today with Bob Fry of the National Christian Foundation. Bob Fry is senior gift advisor with the National Christian Foundation in California. Bob previously served as chairman of the Merrill Lynch Trust Company’s Investment Committee, supervising$10 billion in assets. Most people earn a regular paycheck of some kind, but a lot of folks have assets that they may not think about when it comes to giving. TWO GIVING CATEGORIES There are really two categories of assets you can give: The first is anything that is considered a capital asset that the donor has held for more than a year. Those could be stocks, real estate, or business interests. The huge advantage of donating those is that you get a fair market value tax deduction, but you don’t have to pay any capital gains tax. The second category includes things that you can’t directly give away, but if you plan correctly, you can turn them into giftable cash. One example would be employment stock options. But if you exercise your options and donate the cash, the cash is deductible against 60% of your total income. GIVING A PORTION OF PROPERTIES There are also options to give away a portion of real estate property before you sell it. Often, donors will put their property into an entity like an LLC. They can then give away a portion of the LLC before selling the property. This also offers tax advantages. BARRIERS TO GIVING The number one barrier to giving is FEAR. Giving is always an act of faith, and part of the reason God wants us to give is to trust Him. So addressing that fear factor is the biggest barrier. Giving is a privilege that gives us an opportunity to grow personally and grow closer to God. TIPS FOR GIVING: ●Making a plan with your family is a part of intentional integration between your life and generosity. ●Go to NCFgiving.com/ strategy to learn how to become more strategic in your giving ●Check out the inspiration from NCF’s2021 Impact Report, which they can find at NCFgiving. com. On today’s program, Rob also answers listener questions: ●How should you handle the repayment of loans when you may be eligible for loan forgiveness? ●How do you balance paying off debt against investing for retirement?