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Annual Review – Part Two

Annual Review – Part Two 1198 1198 Pam Hudson

(Excerpted from Vincentian Life: Conference)

By Joe Riley, Phoenix Council Board Member

 IRS Form 990

The IRS requires all nonprofits to submit a Form 990 describing their financials and works at the end of their fiscal year.  The IRS gives our Councils and Conferences until February 15 of the following year to submit this report.  However, not all Conferences are required to submit it.

Only those Conferences that have their own EIN need to submit this report.  For all Conferences that have been allowed to use their Council’s EIN, the Council (District or Diocesan) will submit a consolidated 990 to the IRS which includes the Conference information.  (Additional information about Exemption Requirements – 501(c)(3) and submitting Form 990 tax returns appears at the end of this article.)

Guidelines

The Conference guidelines for service should be reviewed each year during October and/or November to ensure that they reflect current conditions.  This is the time that changes in the guidelines should be considered.  However, the guidelines are the work of the Conference members and they may change them at any time.  There is nothing magic about this time of year.  A regular review is good practice.

Audit

This is the time of year recommended for all Conferences to have an annual audit.  This is an informal audit and may be done by two or three members of the Conference, but not by those responsible for accounting or disbursing funds.  The purpose of the audit is not to find fault.  Its purpose is to assure the members of the Conference that all proper procedures are being followed and all the funds of the Conference have been reconciled on a regular basis.  It is recommended that an audit take place when a new President takes office.

The National Council website has a sample audit procedure on the Growth & Revitalization page under Conference Officer Training (click here:  https://members.ssvpusa.org/growth-revitalization/conference-officer-training/).

Recordkeeping

In the Manual of the Society there is a list of the various types of documents and records that the Conferences typically deal with.  Some are kept permanently.  Some are kept for seven years and then destroyed.  Some are kept for three years and then destroyed.  Some are kept for one year.

The beginning of the fiscal year is the time for the Secretary and Treasurer to review their records and do what is appropriate with each type of document.

Summary

The beginning of the fiscal year is a time to ensure that everything related to last year has been properly reviewed and reported.  It is also time for records to be properly stored. This is a time when Conference members should have every assurance that they are moving into the new fiscal year in good form.

*****

 Additional Information

 The following guidance was prepared in collaboration with Nancy Pino, Chief Financial Officer – Chief Operating Officer of the National Council of the United States, and Sherry Brown, Administrative Associate at the National Office.

 Exemption Requirements – 501(c)(3)

 Unlike Churches, Society of St Vincent de Paul Councils and Conferences are required to apply for, obtain and maintain an IRS tax exemption. The National Council proposes three options for securing tax- exempt status:

Option #1: Conferences operate as Integrated Units of a Council, all operating under one tax exemption and Federal Employer Identification Number (EIN). The Council annually files one consolidated 990 for all entities using its EIN.

Option #2: Each Conference or Council is responsible for itself only, each securing its own tax exemption and EIN. Each entity is required to annually file a 990 under their individual EIN.

 Option #3: Council secures its own EIN and tax-exempt status and a group letter ruling with the IRS, sharing its tax exemption with a group, but each Council and Conference having its own EIN. Each member of the group ruling is required to file a 990 under their individual EIN.

Note:  The National Council will no longer allow Councils or Conferences to remain in their group after 10/1/24.  They must choose one of the above options.

Form 990

Tax-exempt organizations, such as the Society of St. Vincent de Paul, which operate with a 501(c)(3) status are obligated to report their activities to the Internal Revenue Service on an annual basis.  This reporting is done on Form 990, Return of Organization Exempt From Income Tax.  The form is intended to give the IRS and the public a picture of the organization’s activities each year.  Some donors rely on Form 990 as their primary or sole source of information about a particular organization when selecting charities to support.

 Form 990 includes information about the organization’s finances, governance, and compliance with certain IRS rules and reporting requirements.  Additional schedules may be required depending upon the activities of the entity.

Generally, subsidiary Conferences that are using the Council’s EIN can rely upon the Council to submit a Form 990 to the IRS using information they provide to their Council.  If your Conference or Council has its own EIN, it must file a 990 series report every year. Depending on your situation, this may be a 990, a 990-EZ, or a 990-N. A Conference whose tax exemption is covered under a Council’s group ruling must annually submit a Form 990 for their individual EIN.

The Form 990 is due on the 15th day of the 5th month following the end of the organization’s taxable year.  Your fiscal year should be set forth in the bylaws of the Conference or Council. For Conferences and Councils with a September 30 fiscal year end, the due date is February 15. For those on a calendar year (December 31), the date is May 15. A six-month extension may be secured by filing Form 8868.

Timely filing of Form 990 each year is critical. If you miss the filing deadline, you will owe a late penalty. Failure to file a 990 for three successive years will result in an automatic revocation of your tax-exempt status. If your status is revoked, you will have to file a Form 1023 for tax-exempt status, pay the filing fee, and wait for the IRS to approve your status. If a Council’s tax-exempt status is revoked, all Conferences which use the Council’s EIN and operate under the Council are not tax-exempt.

Which form 990 do we file? As of the date of this writing, the general guidelines are as follows:

  • Gross receipts of $50,000 or less and not filing a Group Return: may file a 990-N.
  • Gross receipts between $50,000 and $200,000 AND total assets less than $500,000, and not filing a Group Return: may file a 990-EZ.
  • Gross receipts of $200,000 or more, or total assets of $500,000 or more, and filing a Group Return: may file a 990.

There are exceptions to these rules that should be reviewed and those eligible to file a 990-N or 990-EZ, may choose to file a 990. This article should not be considered legal or tax advice. Details related to each Council or Conference will differ, and Conferences and Councils are encouraged to seek professional advice by hiring an accounting firm, Certified Public Accountant, or attorney familiar with tax-exempt organizations. These professionals will review the Council’s or Conference’s operations, organizational and legal status, and finances in order to determine the application of all rules under its specific circumstances and to prepare the appropriate Form 990 return.

 

 

 

 

08-22-24 Weekly Questions & Answers

08-22-24 Weekly Questions & Answers 1200 628 Pam Hudson

Q: Does a Vincentian who is an active member of two Conferences have voting rights in each Conference? Is his/her membership counted twice in the annual report? If so, where is the citing that relates to this?  

A: Yes, his/her membership should be counted twice in the annual report. Although allowed, it is not often that one person is a member of more than one Conference, so duplication of numbers is not significant. There is nothing written to cite this practice; hence we must therefore go by the Rule and how it defines an active member.

Q: Do I get a vote as President? A member said that according to Robert’s Rules of Order I cannot vote. I have searched the bylaws and all the various handbooks but can find no reference.

A: The President is a voting member of the Conference. Traditionally, the President withholds his/her vote unless there is a tie. This is a tradition and not an enforceable rule. Please remember that the Society whenever possible uses a consensus model and not Robert’s Rules for governing our meetings.

P: ¿Un Vicentino que es miembro activo de dos Conferencias tiene derecho a voto en cada Conferencia? ¿Su membresía se cuenta dos veces en el informe anual? Si es así, ¿en dónde está la cita que se relaciona con esto?

R: Sí, su membresía debe contarse dos veces en el informe anual.  Aunque se permite, no es frecuente que una persona sea miembro de más de una Conferencia, por lo que la duplicación de números no es significativa. No hay nada escrito que cite esta práctica; por lo tanto, debemos guiarnos por la Regla y cómo define a un miembro activo.

P: ¿Tengo derecho a voto como Presidente? Un miembro dijo que, de acuerdo con las Reglas de Orden de Robert, no puedo votar. He buscado en los Estatutos y en todos los diversos manuales, no he podido encontrar ninguna referencia.

R: El Presidente es un miembro con derecho a voto en la Conferencia.  Tradicionalmente, el Presidente retiene su voto a menos que haya un empate.  Esta es una tradición y no una regla aplicable.  Por favor, recuerde que la Sociedad, siempre que sea posible, utiliza un modelo de consenso y no las Reglas de Robert para gobernar nuestras reuniones.

Survivor Story from Western KY Spring Tornadoes

Survivor Story from Western KY Spring Tornadoes 150 150 Pam Hudson

Have you ever encountered a neighbor suffering so greatly, it seemed any assistance you could offer would be insufficient?

As Vincentians, we inevitably encounter poverty and suffering so deep that our material assistance feels like a Band Aid on a bullet wound. It is easy to become discouraged when our resources don’t seem to measure up to the needs we witness, but this story of a husband and wife in Western Kentucky reminds us that the corporal needs we address through our ministries are overshadowed by the powerful friendship we offer our neighbors by walking with them.

P and T lost their home and everything in it to a tornado in May of 2024. Husband T suffers with stage-four cancer, and the couple’s biggest struggle since the storm has been driving T great distances to his many medical appointments in different cities. P lost her job after taking too many days off work to get T to his appointments, leaving a $400 monthly assistance check as their only income.

Living out of a trailer with no belongings and scant resources, P and T came to their local St. Vincent de Paul conference in need of food, clothing, and gas money to get to and from T’s doctor visits. These material needs were met by gift cards, but far more important were the emotional needs met by personal connection.

One Vincentian shared the opportunity she had to directly support this family through the mental load of T’s diagnosis and stress of losing their home.

“I could tell P was very distraught, so I went to visit her and talk to her…She had a lot of anxiety over what happened.” This Vincentian expressed how powerful a listening ear and encouraging word were for this family. “Although their journey will be a long one, the help from SVdP has taken a lot of the burden of the immediate needs from them.”

She and P are pictured together.

“We formed an immediate bond,” said our Vincentian. “I am so glad that we could help this family.”

Brothers and sisters, never underestimate the power your time and care can lift up and encourage even the most devastated neighbor. Please pray for our Kentucky Vincentians and the people they serve this week.

Yours in Christ,

Clare Vanderburgh, The Disaster Services Team 

Your Store Operation – A Daily Living, Working Journey in Faith

Your Store Operation – A Daily Living, Working Journey in Faith 1200 628 Pam Hudson

By Rick Bologna, Austin Diocesan Council Stores Director – South Central Region

Is your store whizzing along and doing well or struggling to survive? Either scenario, your store operation is a daily living prayer, a journey in faith!

From Vincentian volunteers, hired staff, donors, vendors, Council/Conference leadership and customers alike, each individual and day, is a gift from God.

It is all from the perspective of how you choose to view your operation. Is your operation strictly a business venture or do you find the Lord in your day-to-day operations?

In the grand scheme of your operations, there are normal mundane, operational tasks which we deal with daily. Amongst these normal day-to-day happenings, are the opportunities where we can meet the Lord.

Valued professional relationships amongst store staff, volunteers, Vincentians, and customers, are built within your organization through mindful and conscientious collaboration daily.

In life, athletics, business, and the arts, when remarkable things occur, some people may speak about luck. There is a poignant definition of luck; “when opportunity meets preparedness.”

Let us focus on the bigger picture. What is true success?

The true success we find in the ordinary of each day is in the preparedness. Each day your team is focused on taking care of the needs of that day in your store operation.

The daily mundane things do not always go perfectly; picking up donations in the truck and unloading them in the extreme heat or cold; taking in donations in various types of weather; sorting and organizing products in the warehouse; moving products throughout your campus to create space for additional arriving products; cleaning, testing, hanging, and pricing of product; the stocking of shelves and racks throughout the store; greeting customers; checking customers out at the register; building our SVdP culture through kindness; and seeking to recognize the face of Christ in every person we encounter; troubleshooting issues with computers and registers; grabbing carts from the parking lot and returning them to the store. These daily actions, your works, are the ordinary of each day. It is in these daily works where the preparedness of success is being built.

It is through the consistent ordinaries of each day that we succeed in the Lord’s work. Sure, there are times when we may not feel up to par, taking on the responsibilities for a day. Somehow, some way, we find the strength to power through. The good Lord gives us the strength to continue His works because He knows how many people are touched through our efforts and our store mission.

Your SVdP store allows people to shop and stretch their dollars for their needs. Each day’s sales are an important result, but we can choose to win every day in the Lord’s presence through the consistency and preparedness within the ordinary of each day.

It is in the ordinary where we find the extraordinary! How do we find that extraordinary? We find the extraordinary by keeping our hearts, mind, and eyes open and focused on the Lord’s presence in our lives.

A daily, living, working journey in faith!

~~~~~~

National Stores Website Resources

Proper SVdP Store Operations are critical for monetary success to advance your overall Vincentian mission of your Council or Conference.

Our stores are missions that need to be run with good business practices. These best practices and processes are available through the revised National Store Committee website, https://thriftstores.ssvpusa.org.

National Store Committee members are available in each of your regions as mentors and guides to assist you. https://thriftstores.ssvpusa.org/about-us.

~~~~~~

 

Systemic Change Grant Awardees Announcement

Systemic Change Grant Awardees Announcement 1198 1198 Pam Hudson

Thank you to the 38 Conferences and Councils who applied for the Systemic Change Grant.  The good news is that we saw many outstanding and innovative program applications.  The bad news is that we could not award grants to everyone.  To put that in perspective, we had $719,315 in requests and had a $250,000 budget.

The core of The Society’s approach to systemic change is working to remove the conditions that keep pockets of our communities in such need. We continue to learn more about how to broaden our impact because of the innovative programs started by our Councils and Conferences.

We wanted to recognize the 2024 grant awardees:

  • Most Holy Redeemer Conference in Detroit, MI – Fortuna Familiar: Financial Empowerment
  • Helen Conference in Georgetown, TX – Getting Ahead
  • District Council of Contra Costa County in Pittsburg, CA – Workforce Development Program
  • District Council of Marinette in Marinette, WI – Getting Ahead
  • Evansville District Council in Evansville, IN – Microloan Program
  • Diocesan Council of Providence in Providence, RI – Necesities for Neighbors Expansion Program
  • La Pine Conference in La Pine, OR – Self Sufficiency Support (Mentorship) Program
  • Sacramento Council in Sacramento, CA – Housing Navigator for Homeless
  • Annunciation Conference in Altamonte Springs, FL – SVdP Pharmacy of Hope
  • Cabrini Conference in Wausau, WI – Getting Ahead and Bridges out of Poverty
  • Paul the Apostle Conference in NY, NY – Heath and Wellness Transformation
  • Baltimore Council in Baltimore, MD – Getting Ahead
  • Maria Goretti Conference in Hatfield, PA. – Partnership Assisted Resource Training Program

We encourage all Conferences and councils to apply next year.

ANNOUNCING OUR NEXT NATIONAL COUNCIL CEO

ANNOUNCING OUR NEXT NATIONAL COUNCIL CEO 964 1102 Pam Hudson

Dear Vincentian Brothers and Sisters,

After an extensive nationwide search led by executive search firm BoardWalk Consulting, I am thrilled to announce that the Society has chosen its next National CEO from our own St. Vincent de Paul USA family.

Michael Acaldo, the CEO of the Diocesan Council of Baton Rouge, is our new CEO of the National Council of the Society of St. Vincent de Paul.

A native of Baton Rouge, Michael has been a member of the Vincentian Family since 1990.

In his tenure with the Council of Baton Rouge, Michael has led that group to incredible growth. In 1991, he oversaw the founding of the Bishop Ott Shelter Program, which has since grown to five emergency shelters serving men, women, children, and families, and which provided more than 31,000 guest nights of shelter in 2023. In 1995, he helped establish the St. Vincent de Paul Community Pharmacy, the first SVdP Charitable Pharmacy in the nation. The Baton Rouge St. Vincent de Paul Dining Room served over 300,000 meals to neighbors in need in 2023. And if that weren’t enough, he’s also the creator, host, and executive producer of the SVdP Beacons of Light television show, which has been on the air since 2006.

Michael is well respected within the Society, and within the larger Catholic community. He has received various honors for his work with the Society in Baton Rouge, including receiving the Benemerenti Medal from Pope John Paul II in 2002 for service to the Catholic Church; serving as a John W. Barton, Sr. Fellow for excellence in community nonprofit leadership, also in 2002; being inducted into the Catholic High School Hall of Fame in 2009; and receiving the inaugural St. Joseph’s Cathedral Community Award in 2013.

Of his new role, Michael had this to say: “I feel so blessed and honored to be chosen for this leadership position during such an exciting time in our Society’s history. Our National Board’s launching of VisionSVdP focuses on listening to every voice in our Vincentian Family, which is so powerful! I believe that the Holy Spirit will speak through Vincentians around the country, and provide a roadmap for our bright future. Plus, I cannot wait to join our talented and dedicated National Staff in St. Louis.”

On a personal note, this is a great day for the Society. Michael has been a friend and a colleague for almost 20 years and I can say without hesitation that he is an amazing leader, a consummate professional, and the kind of visionary that the Society needs to help take us into the future. Michael has a deep commitment to the essential elements of spirituality, service, and friendship. The Board of Directors and I look forward to working with Michael.

Michael received both his Bachelor of Science degree in Business Management and his Master of Business Administration from Louisiana State University. He and Paula, his wife of 32 years, are the proud parents of adult twin daughters. They are thrilled and looking forward to the arrival of their first grandchild this November.

08-08-24 Weekly Questions & Answers

08-08-24 Weekly Questions & Answers 1200 628 Pam Hudson

Q:  How long can a person hold the office of Interim President? I have searched “The Rule” and cannot find this topic mentioned.

A: When a president resigns or is no longer able to fulfill his/her presidency, the vice president assumes the role as ‘interim President’ until an election is held.  The election should be held as soon as possible as prescribed in the bylaws under Extraordinary Circumstances.

Q: We have two Conference members that for the past eight years have not done any personal contact with our friends in need, but they do have a say on how assistance is provided. Is there anything in the Rule that states they have to be involved person to person with our friends in need?

A: In the Rule Part III, Statue 3 it reads: “Active Members are those who participate regularly in the prayer life, meetings, and charitable activities through personal contact with the poor…” The Rule does not prescribe how a Conference determines what assistance to provide – for example, many Conferences have guidelines that leave it entirely to the discretion of the home visit team.

P: ¿Cuánto tiempo puede una persona ocupar el cargo de Presidente Interino? He buscado en “La Regla” y no puedo encontrar nada al respecto.

R: Cuando un Presidente renuncia o ya no puede cumplir con su presidencia, el Vicepresidente asume el papel de “Presidente Interino” hasta que se celebren elecciones.  La elección debe llevarse a cabo tan pronto como sea posible, según lo prescrito en los Estatutos bajo Circunstancias Extraordinarias.

P: Tenemos dos miembros de la Conferencia que durante los últimos ocho años no han tenido ningún contacto personal con nuestros prójimos en necesidad, pero sí tienen voz y voto sobre cómo se proporciona la asistencia. ¿Hay algo en la Regla que diga que tienen que involucrarse de persona a persona con nuestros prójimos necesitados?

R: En la Regla Parte III, Estatuto 3 se lee: “Los Miembros Activos son aquellos que participan regularmente en la vida de oración, reuniones y actividades caritativas a través del contacto personal con los pobres…” La Regla no prescribe cómo una Conferencia determina qué asistencia proporcionar, por ejemplo, muchas Conferencias tienen pautas que lo dejan completamente a la discreción del equipo de Visitas Domiciliarias.

 

Annual Review – Part One

Annual Review – Part One 1198 1198 Pam Hudson

By Joe Riley, Phoenix Council Board Member

(Excerpted from Vincentian Life: Conference)

There are a number of things that must occur at the beginning of the fiscal year.  The standard fiscal year for SVdP is October 1 through September 30.  The things identified here should occur within the first two months of each year.  This is a time of reviewing, evaluating and reporting.

Solidarity Contribution

The solidarity contribution is mentioned first, not because of importance but because it is generally due on the first day of November.  According to the Rule and Bylaws of the Society, the National Council can assess a solidarity contribution to be made by Councils and Conferences for the support of the National Council, its facilities, staff and works.  This solidarity formula will not be described here since it can be changed at any time by resolution of the National Council.  All Councils and Conferences are expected to make their appropriate contribution to the National Council.

Also, District and Diocesan Councils are permitted to assess a solidarity contribution that each expects from its subsidiaries.  There are District and Diocesan Councils throughout the country that do not operate stores or special works and have no specific source of income.  These Councils are dependent upon the support of the Conferences in order to fulfill their responsibilities.  Although this solidarity contribution is due on November 1, this date can vary from Council to Council.  The actual assessment formula from Council to Council can vary as well.

Annual Report

The Conference Annual Report is due by November 30 each year.  That gives each Conference two months after the close of the fiscal year to complete the annual reporting task and submit the report to the District Council.  Where no District Council exists, the Isolated Conference is to submit its report directly to the National Council office.

The Conference Annual Report form may vary from one year to another depending on the data-gathering requirements of the National Council.  The form is available online January 31 each year (click here: https://members.ssvpusa.org/annual-report-forms-2/) and contains complete instruction on how the data should be entered.

Data for the Conference Annual Report may be entered on a paper form and mailed to the appropriate Council, or it may be entered online through the National Council Database in October after the start of the new fiscal year (https://www.svdpmembers.com/annual-reports/annual-reporting-cycles). Complete instructions are also presented for online entry.  Whether on paper or online the due date is the same.

Annual Review With Pastor/Parish

After the Conference Annual Report is prepared by the Conference President, Secretary and Treasurer it is to be shared with the members of the Conference.  The President, Secretary and Treasurer should be prepared to answer any questions that the members have regarding the report.

After the Conference Annual Report has been reviewed and approved by your District Council President a summary of the annual report should then be prepared and submitted to the pastor for his review.  The review and approval by the District Council President is necessary to ensure the numbers are correct before sharing them with the pastor or parish.  Emphasis here is on the word “summary.”  The summary should also be presented to the Parish Council as well as to the parishioners through the parish bulletin.

Although this should be scheduled more often, it is expected that the Conference President will meet with the pastor and review all the work that the Conference has accomplished throughout the year.  This should not only cover what has been done but what the Conference has planned for the upcoming year.

Part Two of this article will appear in the next edition of Frederic’s e-Gazette.

Resolve to Focus on Good Governance

Resolve to Focus on Good Governance 1198 1198 Pam Hudson

By Joe Riley, Phoenix Council Board Member

A new fiscal year for our Society will start soon and this is a good time to remind ourselves that even the best Councils and Conferences can be better and should always seek to foster and facilitate improvement.  Given the importance of good governance, perhaps this should be your primary resolution for the new year.

Loving and supporting one another while serving the poor is an integral part of our Vincentian mission.  Our Conference meetings are where we help each other fulfill that mission of growing spiritually, developing friendships and having face-to-face encounters with those in need.  Meeting at least twice monthly as we should provides the opportunity to continually strengthen those supportive relationships.

Our Councils have a Board of Directors to guide our efforts and oversee our performance.  Why not start using your Council Board as a support group to review and update your policies and procedures and clean up your record-keeping.  Encourage your Conferences to do likewise.

Review your Bylaws. This is a document that spells out your mission, how you operate procedurally and the need for compliance with IRS requirements for nonprofit organizations.  Bylaws are not meant to be inflexible when circumstances signal a need for revision.  Assess your programs to see if they remain relevant and are operating efficiently with the right priority. Take a good look at how your Special Works impact all Vincentians in all of your Conferences.  Look at your succession planning.  It is of vital significance at all levels of our Society.  If your operating procedures, which are a key part of good governance, need changing, take advantage of the Governance Training video and program provided for you by our National Council (https://members.ssvpusa.org/leadership-training).

Throughout the year we will address some of these important matters further in Frederic’s e-Gazette.  We urge you to read that information and resolve to enhance your effectiveness.  In so doing you will be heeding the exhortation of Blessed Frederic Ozanam to always seek to be better in our service to Christ’s beloved poor.

 

The Best Fundraisers Listen

The Best Fundraisers Listen 1080 1080 Pam Hudson

By Mike Flynn, Advancement Committee

Fund-raising involves asking someone for money, maybe a person in an organization. But it isn’t just about asking a question. It is about initiating a conversation. And a conversation is about listening as well as talking.

The best salespeople listen. It is in listening that you understand the other person’s perspectives on the world and your community.

Ask questions that prompt the other person’s knowledge about the need you are looking to fund. There might be knowledge that comes from the media, or it might be from someone or people that the person knows.

With that understanding, you can portray the needs of the community and how St. Vincent de Paul helps. And you can do it in a way that is more likely to be heard.
Some people are more likely to be persuaded by data. Others by personal stories. That is where your understanding of the person you are speaking with comes in. You will be able to tailor your evidence of the need based on that conversation.

For those who are more convinced by data, share the need in terms of the numbers of people St. Vincent de Paul has helped in your archdiocese, district council, or conference. It is usually best to report numbers on an annual basis – by type of help and dollar amounts.

For those more convinced by stories, think of a person you might have helped in a home visit. Tell how you felt approaching the home, entering the home and meeting the neighbor in need. Describe the home, including all who are living there. Tell you came to understand the need and how St. Vincent de Paul helped. And tell about the role prayer took in the visit.

Then ask for the contribution that based on your conversation is appropriate and aspirational. Ultimately, you are raising funds for St. Vincent de Paul, funds that will be used to help fill the needs of our neighbors in need.

 

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