Podcasts about calderon

Rediffusion Dans cette nouvelle saison de La Traque, découvrez le récit de l'un des trafiquants de drogues les plus dangereux de l'histoire, celui de Joaquín Guzmán alias El Chapo. Connu pour ses nombreux crimes de sang, sa participation à l'émancipation de la cocaïne aux Etats Unis, et son caractère froid et calculateur, El Chapo a réellement marqué notre temps et laissé une trace indélébile sur le trafic de drogue international… Alors revivons ensemble son invraisemblable traque.  Une guerre sous écoute  La victoire présidentielle de Felipe Calderon en décembre 2006 marque un tournant dans la société mexicaine. Le nouveau président mexicain compte bien faire régner la paix et mettre fin à la guerre des narcos. S'engagent alors de fortes actions militaires provoquant une guerre civile qui durera plus de 10 ans et causant la mort de centaine de milliers de personnes. El Chapo, de son côté, continue de piloter son trafic à distance, mais une réelle paranoïa s'est éveillée en lui, l'obligeant à vivre en fugitif dans les montagnes mexicaines…  Crédits : Production : Bababam  Textes : Pierre Serisier Voix : Anne Cosmao, Aurélien Gouas Montage : Jean Gabriel Rassat. Learn more about your ad choices. Visit megaphone.fm/adchoices

Parábola de los talentos/Mateo 25/14 /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

la frontera mas triste/Edgar Calderon/Radio Palabra Ungida Deuteronomio 34:1 Subió Moisés de los campos de Moab al monte Nebo, a la cumbre del Pisga, que está enfrente de Jericó; y le mostró Jehová toda la tierra de Galaad hasta Dan, 2 todo Neftalí, y la tierra de Efraín y de Manasés, toda la tierra de Judá hasta el mar occidental; 3 el Neguev, y la llanura, la vega de Jericó, ciudad de las palmeras, hasta Zoar. 4 Y le dijo Jehová: Esta es la tierra de que juré a Abraham, a Isaac y a Jacob, diciendo: A tu descendencia la daré. Te he permitido verla con tus ojos, mas no pasarás allá. 5 Y murió allí Moisés siervo de Jehová, en la tierra de Moab, conforme al dicho de Jehová. 6 Y lo enterró en el valle, en la tierra de Moab, enfrente de Bet-peor; y ninguno conoce el lugar de su sepultura hasta hoy. 7 Era Moisés de edad de ciento veinte años cuando murió; sus ojos nunca se oscurecieron, ni perdió su vigor. 8 Y lloraron los hijos de Israel a Moisés en los campos de Moab treinta días; y así se cumplieron los días del lloro y del luto de Moisés.

Mateo 24/45/Edgar Calderon/Palabra Ungida Mateo 24:45-51 Reina-Valera 1960 45 ¿Quién es, pues, el siervo fiel y prudente, al cual puso su señor sobre su casa para que les dé el alimento a tiempo? 46 Bienaventurado aquel siervo al cual, cuando su señor venga, le halle haciendo así. 47 De cierto os digo que sobre todos sus bienes le pondrá. 48 Pero si aquel siervo malo dijere en su corazón: Mi señor tarda en venir; 49 y comenzare a golpear a sus consiervos, y aun a comer y a beber con los borrachos, 50 vendrá el señor de aquel siervo en día que este no espera, y a la hora que no sabe, 51 y lo castigará duramente, y pondrá su parte con los hipócritas; allí será el lloro y el crujir de dientes.

Mateo 25/1-13/Parábola de las diez vírgenes/Edgar Calderon/Palabra Ungida Parábola de las diez vírgenes Entonces el reino de los cielos será semejante a diez vírgenes que tomando sus lámparas, salieron a recibir al esposo. 2 Cinco de ellas eran prudentes y cinco insensatas. 3 Las insensatas, tomando sus lámparas, no tomaron consigo aceite; 4 mas las prudentes tomaron aceite en sus vasijas, juntamente con sus lámparas. 5 Y tardándose el esposo, cabecearon todas y se durmieron. 6 Y a la medianoche se oyó un clamor: ¡Aquí viene el esposo; salid a recibirle! 7 Entonces todas aquellas vírgenes se levantaron, y arreglaron sus lámparas. 8 Y las insensatas dijeron a las prudentes: Dadnos de vuestro aceite; porque nuestras lámparas se apagan. 9 Mas las prudentes respondieron diciendo: Para que no nos falte a nosotras y a vosotras, id más bien a los que venden, y comprad para vosotras mismas. 10 Pero mientras ellas iban a comprar, vino el esposo; y las que estaban preparadas entraron con él a las bodas; y se cerró la puerta. 11 Después vinieron también las otras vírgenes, diciendo: ¡Señor, señor, ábrenos! 12 Mas él, respondiendo, dijo: De cierto os digo, que no os conozco. 13 Velad, pues, porque no sabéis el día ni la hora en que el Hijo del Hombre ha de venir.

Desde Bogotá Colombia, un programa que te propone , reprogramar tu mente y transformar tu realidad para evolucionar con la conducción de @didiholistica y siempre junto a la  mejor música.Escúchanos en rscradio.com.ar  y Radio Garden Internacional para más de 180 países en todo el mundo .

El verdadero Pastor/Edgar Calderon /Radio Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

"Maestro" Rob Kellum catches up with Fuego Calderon. Live, Thursday nights at 7:30PM ET on vocnation.com, it's WCW Retro! Join us as "Maestro" Rob Kellum is back, full time, in his capacity as host of WCW Retro! Rob talks about all things professional wrestling, including WWE, NXT, AEW, and … WCW! Plus, he takes your calls! Call into any live VOC Nation program by visiting callvoc.com. VOC Nation takes you behind the scenes of your favorite moments in pro wrestling history. Notable show hosts include legendary pro wrestling journalist Bill Apter, former WWE/TNA star Shelly Martinez, former WWE and AWA broadcaster Ken Resnick, former WCW performer The Maestro, former TNA Impact talent Wes Brisco, Pro Wrestling Illustrated's Brady Hicks, independent pro wrestling and Fireball Run star Sassy Stephie, and more! Since 2010, VOC Nation has brought listeners into the minds of the biggest stars in pro wrestling and entertainment. Subscribe to the podcasts for free on most major directories, and visit vocnation.com for live programming. Subscribe to premium - only $3/mo - for commercial full commercial free audio and video episodes. Exclusive access to 50 years of Bill Apter's interview archives is available for a nominal charge. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Desde Bogotá Colombia un programa que te propone , reprogramar tu mente y transformar tu realidad para evolucionar con la conducción de @didiholistica y siempre junto a la  mejor música.Escúchanos en rscradio.com.ar y Radio Garden Internacional para más de 180 países en todo el mundo.

Quand on pense aux meilleures organisations commerciales, on cite souvent HubSpot, Salesforce ou les grandes entreprises SaaS. Est-ce que leurs méthodes pourraient transformer la manière dont on vend des voitures ? C'est précisément ce dont on va parler dans cet épisode avec Thierry Calderón. Nous explorons ce que les concessions automobiles peuvent en effet apprendre des meilleures équipes commerciales du SaaS. Au programme : Pourquoi les méthodes de vente du SaaS inspirent aujourd'hui le secteur automobile. Comment générer des leads plus qualifiés plutôt que simplement plus nombreux. Les bonnes pratiques de lead management utilisées dans les entreprises SaaS. Pourquoi la rapidité de traitement des leads fait toute la différence. Les KPI commerciaux qui permettent de piloter efficacement une équipe de vente. Comment aligner durablement les équipes marketing et commerciales. Les erreurs qui coûtent le plus de ventes dans les concessions. Ce que la LLD et la LOA changent dans la relation client. Pourquoi les concessions doivent passer d'une logique de vente unique à une logique de cycle de vie client. Les stratégies de fidélisation inspirées du SaaS pour augmenter la valeur de chaque client. L'impact de l'intelligence artificielle sur les ventes automobiles. Les compétences que devront développer les commerciaux de demain. Un épisode riche en bonnes pratiques, aussi utile aux professionnels de l'automobile qu'aux dirigeants, directeurs commerciaux et commerciaux B2B souhaitant améliorer leur organisation commerciale.Retrouvez tous les épisodes des héros de la vente sur notre chaine Youtube : https://www.youtube.com/@lesherosdelavente et sur la newsletter les Chroniques de la vente https://herosdelavente.substack.com/Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Un  programa  que te propone , reprogramar tu mente y transformar tu realidad para evolucionar.Con la conducción de @didiholistica Escúchanos en rscradio.com.ar  y Radio Garden Internacional para más de 180 países en todo el mundo #escuchacosasbuenas

Varios tipos de oracion/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Un   programa  que te propone , reprogramar tu mente ytransformar tu realidad para evolucionar.Con la conducción de @didiholistica Escúchanos en rscradio.com.ar  y Radio Garden Internacional para más de 180 países en todo el mundo #escuchacosasbuenas

Mateo 24/13/Edgar Calderon/ Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Dawgface Calderon shares how a childhood of crime, carjackings, and a 17-year prison sentence ultimately led him to transform his life through education, entrepreneurship, and a commitment to building legitimate wealth after release.⁣ ⁣ Dawgface's links - ⁣ https://youtube.com/@themostdangerousvoiceonyoutube?si=qiDjgMhf82WSQ1fA⁣ https://www.instagram.com/themostdangerousvoiceindetroit/?hl=en⁣ https://www.instagram.com/theyoutubestreets/?hl=en⁣ https://www.instagram.com/reallyfeunfilteredpodcast/?hl=en⁣ ⁣ Do you want to be a guest? Fill out the form https://www.insidetruecrimepodcast.com/apply-to-be-a-guest⁣ ⁣ ⁣ F*%k your khakis and get The Perfect Jean 15% off with the code COX15 at theperfectjean.nyc/COX15 #theperfectjeanpod ⁣ https://theperfectjean.nyc⁣ ⁣ Shop my merch: https://www.etsy.com/shop/MatthewCoxCollection⁣ ⁣ Send me an email here: insidetruecrime@gmail.com⁣ ⁣ Do you extra clips and behind the scenes content?⁣ Subscribe to my Patreon: https://patreon.com/InsideTrueCrime ⁣ ⁣ Check out my Dark Docs YouTube channel here -⁣ https://www.youtube.com/@DarkDocsMatthewCox⁣ ⁣ Follow me on all socials!⁣ Instagram: https://www.instagram.com/insidetruecrime/⁣ TikTok: https://www.tiktok.com/@matthewcoxtruecrime⁣ ⁣ ⁣ Do you want a custom painting done by me? Check out my Etsy Store: https://www.etsy.com/shop/coxpopart⁣ ⁣ Listen to my True Crime Podcasts anywhere: https://anchor.fm/mattcox ⁣ ⁣ Check out my true crime books! ⁣ Shark in the Housing Pool: https://www.amazon.com/dp/B0851KBYCF⁣ Bent: https://www.amazon.com/dp/B0BV4GC7TM⁣ It's Insanity: https://www.amazon.com/dp/B08KFYXKK8⁣ Devil Exposed: https://www.amazon.com/dp/B08TH1WT5G⁣ Devil Exposed (The Abridgment): https://www.amazon.com/dp/1070682438⁣ The Program: https://www.amazon.com/dp/B0858W4G3K⁣ Bailout: https://www.barnesandnoble.com/w/bailout-matthew-cox/1142275402⁣ Dude, Where's My Hand-Grenade?: https://www.amazon.com/dp/B0BXNFHBDF/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=1678623676&sr=1-1⁣ ⁣ Checkout my disturbingly twisted satiric novel!⁣ Stranger Danger: https://www.amazon.com/dp/B0BSWQP3WX⁣ ⁣ If you would like to support me directly, I accept donations here:⁣ Paypal: https://www.paypal.me/MattCox69⁣ Cashapp: $coxcon69⁣ ⁣ Chapters: ⁣ 00:15 - Juvenile Offenses and Detention ‍️⁣ 15:01 - Discovering His Father⁣ 19:56 - Descent into Robberies and Life of Crime⁣ 30:03 - Cr*** era realities and trade⁣ 34:36 - Robbery risks, being hurt, and survival lessons⁣ 41:26 - Family crisis: discovering mom's injury and immediate reaction⁣ 46:48 - Arrest, Trial, and Juvenile Detention ️⁣ 51:02 - Reading, Self-Education, and Life Turning Points⁣ 1:00:04 - Attempted Expungement & Missed Opportunity⁣ 1:01:00 - Carjacking Ring Operations⁣ 1:04:38 - Arrest, Prosecution, and Oakland County Justice ️⁣ 1:19:16 - Parole, Minimums, and "Flops"⁣ 1:22:01 - Prison Life⁣ 1:30:16 - New CEOs, Prisons, and Local Economies⁣ 1:45:20 - Prison life and violent treatment⁣ 1:51:33 - Level 5, parole process, and surviving max prison⁣ 2:00:23 - Pro board hearing reaction⁣ 2:06:29 - Reentry, returning home, and rebuilding life⁣ 2:15:30 - Resume Gap & Reinvention Learn more about your ad choices. Visit megaphone.fm/adchoices

EL que toma la decision de nuestra vida es Dios /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

mi alma tiene sed de Dios /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Mateo 22/34/El gran mandamiento/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

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cuando piensas que Dios no escucha tu oracion/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

June 28, 2026Join hosts Tony Moore and Justin Hareld as they recap episodes of Days of Our Lives from the week of June 22-26, 2026. This week on Dishin' Days, Tony and Justin are joined by Al Calderon as we give him a proper send off on playing Javi Hernandez.  We chat will Al about bringing Javi to life, his real life chemistry with Greg Rikaart, favorite storylines and how he managed to chip his tooth on his first day.We also raised a glass to 50 years of Deidre Hall and a trip down memory lane with Marlena Evans Black.  How we feel about the drug plot being Days' new umbrella storyline.  Did Steve and Kayla cross the line with Joy? Why does Gabi have such loose lips?  Be sure to follow us on all social media platforms: Facebook: DishinDaysShow Instagram: @dishindays Twitter: dishindays

Estrella Calderon shares how she found peace in religion after dealing with depression

En la boca esta la vida /Edgar Calderon/ Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

las cosas surgen por una necesidad/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

la alabanza es la señal que nos conecta con Dios /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Los labradores malvados /Mateo 21/33/Edgar Calderon Mateo 21:33-46 Reina-Valera 1960 Los labradores malvados (Mr. 12.1-12; Lc. 20.9-19) 33 Oíd otra parábola: Hubo un hombre, padre de familia, el cual plantó una viña, la cercó de vallado, cavó en ella un lagar, edificó una torre, y la arrendó a unos labradores, y se fue lejos. 34 Y cuando se acercó el tiempo de los frutos, envió sus siervos a los labradores, para que recibiesen sus frutos. 35 Mas los labradores, tomando a los siervos, a uno golpearon, a otro mataron, y a otro apedrearon. 36 Envió de nuevo otros siervos, más que los primeros; e hicieron con ellos de la misma manera. 37 Finalmente les envió su hijo, diciendo: Tendrán respeto a mi hijo. 38 Mas los labradores, cuando vieron al hijo, dijeron entre sí: Este es el heredero; venid, matémosle, y apoderémonos de su heredad. 39 Y tomándole, le echaron fuera de la viña, y le mataron. 40 Cuando venga, pues, el señor de la viña, ¿qué hará a aquellos labradores? 41 Le dijeron: A los malos destruirá sin misericordia, y arrendará su viña a otros labradores, que le paguen el fruto a su tiempo.

parábola de la fiesta de bodas/Mateo 22/1/Edgar Calderon/Palabra Ungida Mateo 22 22 Respondiendo Jesús, les volvió a hablar en parábolas, diciendo: 2 El reino de los cielos es semejante a un rey que hizo fiesta de bodas a su hijo; 3 y envió a sus siervos a llamar a los convidados a las bodas; mas estos no quisieron venir. 4 Volvió a enviar otros siervos, diciendo: Decid a los convidados: He aquí, he preparado mi comida; mis toros y animales engordados han sido muertos, y todo está dispuesto; venid a las bodas. 5 Mas ellos, sin hacer caso, se fueron, uno a su labranza, y otro a sus negocios; 6 y otros, tomando a los siervos, los afrentaron y los mataron. 7 Al oírlo el rey, se enojó; y enviando sus ejércitos, destruyó a aquellos homicidas, y quemó su ciudad. 8 Entonces dijo a sus siervos: Las bodas a la verdad están preparadas; mas los que fueron convidados no eran dignos. 9 Id, pues, a las salidas de los caminos, y llamad a las bodas a cuantos halléis. 10 Y saliendo los siervos por los caminos, juntaron a todos los que hallaron, juntamente malos y buenos; y las bodas fueron llenas de convidados. 11 Y entró el rey para ver a los convidados, y vio allí a un hombre que no estaba vestido de boda. 12 Y le dijo: Amigo, ¿cómo entraste aquí, sin estar vestido de boda? Mas él enmudeció. 13 Entonces el rey dijo a los que servían: Atadle de pies y manos, y echadle en las tinieblas de afuera; allí será el lloro y el crujir de dientes. 14 Porque muchos son llamados, y pocos escogidos.

LA PACIENCIA /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Mengers: Garage Rock, Psicodelia y la Nueva Ola del Rock Mexicano | Downtown Hell Podcastn este episodio de Downtown Hell Podcast conversamos con Mengers, una de las bandas más interesantes de la nueva generación del rock mexicano.Hablamos sobre su trayectoria, influencias, proceso creativo, la evolución de su sonido y el lugar que ocupan dentro de la escena actual de garage rock, post-punk y rock alternativo en México.Si te gustan las bandas independientes, el rock mexicano contemporáneo y las historias detrás de la música, este episodio es para ti.Temas: Mengers, rock mexicano, garage rock, post-punk, música independiente, escena alternativa, bandas mexicanas, psicodelia, composición musical y cultura musical.

mateo 21/1-10/Edgar Calderon/Palabra Ungida La entrada triunfal en Jerusalén (Mr. 11.1-11; Lc. 19.28-40; Jn. 12.12-19) 21 Cuando se acercaron a Jerusalén, y vinieron a Betfagé, al monte de los Olivos, Jesús envió dos discípulos, 2 diciéndoles: Id a la aldea que está enfrente de vosotros, y luego hallaréis una asna atada, y un pollino con ella; desatadla, y traédmelos. 3 Y si alguien os dijere algo, decid: El Señor los necesita; y luego los enviará. 4 Todo esto aconteció para que se cumpliese lo dicho por el profeta, cuando dijo: 5 Decid a la hija de Sion: He aquí, tu Rey viene a ti, Manso, y sentado sobre una asna, Sobre un pollino, hijo de animal de carga. 6 Y los discípulos fueron, e hicieron como Jesús les mandó; 7 y trajeron el asna y el pollino, y pusieron sobre ellos sus mantos; y él se sentó encima. 8 Y la multitud, que era muy numerosa, tendía sus mantos en el camino; y otros cortaban ramas de los árboles, y las tendían en el camino. 9 Y la gente que iba delante y la que iba detrás aclamaba, diciendo: ¡Hosanna al Hijo de David! ¡Bendito el que viene en el nombre del Señor! ¡Hosanna en las alturas! 10 Cuando entró él en Jerusalén, toda la ciudad se conmovió, diciendo: ¿Quién es este? 11 Y la gente decía: Este es Jesús el profeta, de Nazaret de Galilea.

LA PACIENCIA /Edgar Calderon/Palabra Ungida Mateo 22:15-21 La cuestión del tributo (Mr. 12.13-17; Lc. 20.20-26) 15 Entonces se fueron los fariseos y consultaron cómo sorprenderle en alguna palabra. 16 Y le enviaron los discípulos de ellos con los herodianos, diciendo: Maestro, sabemos que eres amante de la verdad, y que enseñas con verdad el camino de Dios, y que no te cuidas de nadie, porque no miras la apariencia de los hombres. 17 Dinos, pues, qué te parece: ¿Es lícito dar tributo a César, o no? 18 Pero Jesús, conociendo la malicia de ellos, les dijo: ¿Por qué me tentáis, hipócritas? 19 Mostradme la moneda del tributo. Y ellos le presentaron un denario. 20 Entonces les dijo: ¿De quién es esta imagen, y la inscripción? 21 Le dijeron: De César. Y les dijo: Dad, pues, a César lo que es de César, y a Dios lo que es de Dios. 22 Oyendo esto, se maravillaron, y dejándole, se fueron.

Mateo 21/23/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Dios no te va sacar del desierto hasta que no cambies /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Ralph Calderon of Neology joins us to discuss what it takes to deliver large scale real estate developments in one of the fastest growing markets in the country. From land acquisition and planning to construction and completion, Ralph shares insights into the development process and the realities of building at scale in Miami. This conversation explores the challenges, opportunities, and strategies behind successful residential and mixed use developments, and how projects move from concept to completion in today's market. Learn more about Neology: https://neologylife.com/ Presented by Wall Street Capital Partners A firm focused on commercial real estate, capital markets, and strategic investment opportunities across sectors. https://wallstreetcapitalpartners.net/

Donde estan dos otres congregados en mi nombre 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: Matutino 6:00am a 8:00 am Culto evangelistico 6:00pm a 8:30 pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Parada Calderon v. Blanche

la doctrina bíblica es otra parte de nuestra guía a la verdad 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Mateo 19/16/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

Dios te da una nueva oportunidad/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

In this episode, Yuri Calderon, Assistant Superintendent of Business Services at Orange Unified School District, discusses what it truly means to lead with students at the center — even from the business office. Yuri shares his philosophy of removing the "business hat" and instead focusing on aligning every dollar and resource as close to the classroom as possible. He reflects on lessons learned across his career in Santa Barbara, small and rural districts, and now Orange Unified, making a compelling case for why small districts are often the most innovative. Yuri also dives into the power of replicating and iterating on great ideas, what a thriving school actually looks like when you walk through the doors, how to align vendor and architect partnerships around what matters most for kids, and why reading — not AI summaries — remains his go-to tool for continuous learning. About Yuri Calderon: Yuri serves as the Assistant Superintendent of Business Services for Orange Unified School District, leading all financial and operational functions for a 42-school system with an annual budget exceeding $400 million. He oversees budget development, multi-year financial planning, and fiscal strategy to maintain long-term structural stability in a complex public funding environment. Yuri also partners with the Superintendent and Board of Education to drive strategic decision-making, strengthen organizational effectiveness, and ensure transparent, data-informed governance. He is committed to building high-performing systems that maximize resources in support of student success. LinkedIn: https://www.linkedin.com/in/yuricalderon/ ycalderon@orangeusd.org   Learn More About Kay-Twelve: Website: https://kay-twelve.com/ LinkedIn: https://www.linkedin.com/company/kay-twelve-com/ Instagram: https://www.instagram.com/kay_twelve/   Episode 330 of the Better Learning Podcast Kevin Stoller is the host of the Better Learning Podcast and Co-Founder of Kay-Twelve, a national leader for educational furniture. Learn more about creating better learning environments at www.Kay-Twelve.com.   For more information on our partners: Association for Learning Environments (A4LE) - https://www.a4le.org/ Education Leaders' Organization - https://www.ed-leaders.org/ Second Class Foundation - https://secondclassfoundation.org/ EDmarket - https://www.edmarket.org/ Catapult @ Penn GSE - https://catapult.gse.upenn.edu/ Want to be a Guest Speaker? Request on our website

Jose Osorio-Calderon v. Warden FCI Sandstone

el divorcio /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

el liderazgo /Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

What if most restaurants fail because no one's really watching what matters?Maycoll came up peeling potatoes in Michelin-starred kitchens, learning the craft from the ground up. Over time, that experience evolved into something deeper: a clear understanding of what actually keeps a restaurant alive.In this conversation, we get into the leap from operator to owner, why “luck” is just a story people tell to avoid the truth, and how he built systems that let him scale globally without being trapped in the kitchen.If you're still running your restaurant without a clear pulse, this conversation will force a reset.To learn more about Cuna, visit cuna.nyc._________________________________________________________Today's episode was brought to you by Square. If you want restaurant tech that actually supports how you run your restaurant, find out how Square can help at square.com/goodstuff.Free 5-Day Restaurant Marketing Masterclass – This is a live training where you'll learn the exact campaigns Josh has built and tested in real restaurants to attract new guests, increase visit frequency, and generate sales on demand. Save your spot at restaurantbusinessschool.com

Los tres hombres que no muerieron/Edgar Calderon/Palabra Ungida 7000 S. Western Ave Los Angeles Ca, 90047 tenemos servicio todos los días de 7pm a 9pm www.radiopalabraungida.com www.facebook.com/ThePalabraUngida TEL:213-840-7500 HORARIO DE CULTOS: LUNES :De concierto con los grupos musicales 7:00 pm a 9pm MARTES:Servicios de grupos familiares 7:00pm a 9pm MIERCOLES: Culto Familiares en casas 7:00 pm a 9pm JUEVES: Servicio de Sociedades 7:00pm a 9pm VIERNES: Culto de Misioneros 7:00 pm a 9pm SABADO: Campaña y culto de Jóvenes 7:00 pm a 9pm DOMINGO: 6:00pm a 8:30pm Culto evangelistico 6:00pm a 8pm https://open.spotify.com/search/results/Edgar%20Calderon https://www.instagram.com/palabraungida/ https://www.facebook.com/palabraungidatv https://us.ivoox.com/es/Palabra-Ungida_sb.html… https://www.instagram.com/palabraungida/?hl=en https://www.youtube.com/user/ThePalabraUngida https://www.youtube.com/@ThePalabraUngida

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

The field of Democrats running to become the next governor of California is thinning ever so slightly. For more on this, KCBS' Steve Scott spoke with KCBS Insider Phil Matier.

Former Los Angeles Assemblyman Ian Calderon made history in 2012, becoming the first millennial elected to the California State Assembly at age 27. He stepped away from politics in 2020 to focus on his growing family, and now at age 40 he is running for governor. He joins Marisa to frame his pitch to voters, casting himself as part of a new generation of leadership and calling for increased funding for education, expanded access to child care and greater government accountability. He also expressed support for cryptocurrency, suggesting the state invest in it as a way to help manage budget shortfalls.  This interview is part of a series of conversations with the 2026 gubernatorial candidates for California. The primary election is June 2. Check out ⁠⁠⁠Political Breakdown's weekly newsletter⁠⁠⁠, delivered straight to your inbox. Learn more about your ad choices. Visit megaphone.fm/adchoices

Pastor Miguel Calderon challenges us to close the gap between the compassion we receive from God and the compassion we extend to others in "The Compassion Challenge". Walking through Jonah 3, he shows how sympathy and empathy fall short, but true compassion moves us to action, even toward those we would rather avoid. Press play on this next message from the Navigating Nineveh series and experience a revelation today.

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