Podcasts about discouragement

Send us Fan MailThis Podcast is part of a 10-year project to complete an in-depth, daily study of the entire Bible, chapter by chapter, verse by verse. Episode Notes: Avoiding Discouragement When Times Are Tough. (Ephesians 3: 1-13)Today we come to a passage that speaks right into the heart of something every believer faces sooner or later: Discouragement. And what makes this passage so powerful is that Paul writes it from prison.He is cut off from the churches he longs to visit, living through circumstances he did not choose and cannot change, and yet he is not discouraged. In fact, he writes to the Ephesians so that they won't be discouraged on his behalf.I don't pretend to have all the answers. But today I can tell you how the Apostle Paul handled discouragement, because he faced it, he lived through it, and he wrote about it with remarkable clarity.  And to see how Paul dealt with discouragement, we only need to look at what he says here in Ephesians 3….Support the showThis podcast is not associated with the Bible Project YouTube channel or any other associated podcasts that use the name 'Bible Project'. It is entirely the work of Jeremy R McCandless...Follow and support me on Patreon.Jeremy McCandless | Creating Podcasts and Bible Study Resources | PatreonTo receive my weekly newsletter and keep up to date with all five of my podcasts, subscribe at:Jeremy McCandless | SubstackCheck out my other Podcasts.My History of the Christian Church: https://thehistoryofthechristianchurch.buzzsprout.comThe L.I.F.E. Podcast: (Philosophy and current trends in the Arts and Entertainment Podcast).https://the-living-in-faith-everyday-podcast.buzzsprout.comThe Renewed Mind Podcast. My Psychology and Mental Health Podcast:https://www.buzzsprout.com/2568891The Classic Literature Podcast:https://www.buzzsprout.com/2568906To visit my Author page on Amazon and view my entire back catalogue of books on both Amazon and Kindle, and now also on Audible, Visit:Amazon.com: Jeremy R Mccandless: books, biography, latest...

Today, on Karl and Crew, we continued our weekly theme, "Under Pressure." Today we explored how pressure exposes what we really believe, and focused on Mark 4:35–41. Dr. Deb Gorton joined us to talk about how pressure can reveal the thoughts, beliefs, and burdens we need to sift through, explaining how biblical self-stewardship, wise community, and time with God help keep pressure from becoming burnout. Dr. Gorton is the Founder and CEO of Siv Counseling and Consultation. She also serves as Director of Community Care at Soul City Church in Chicago. Then we had Dr. Hormoz Shariat join us to share the urgent needs of believers in Iran, where Christians are facing fear, persecution, and practical hardship while continuing to stand strong for Christ. Dr. Shariat is the Founder and President of Iran Alive Ministries. Daniel Henderson also joined us to talk about spiritual warfare, explaining how opposition often arises when believers are serious about the gospel and why pastors and leaders must stay focused on prayer, the Word, and reliance on God rather than self-reliance. Daniel is the Founder and President of Strategic Renewal International, which coaches pastors. He is also the Global Director of The 6:4 Fellowship. You can hear the highlights of today’s program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps:Daniel Henderson [ 08:28 ]Dr. Deb Gorton [ 26:38 ]Dr. Hormoz Shariat [ 38:02 ]Make It A Metaphor [ 49:04 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

If you want to get rid of the devil, turn on some worship music, start praising the Lord! -------- Thank you for listening! Your support of Joni and Friends helps make this show possible.     Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org   Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Today, on Karl and Crew, we continued our weekly theme, "Under Pressure." Today we explored how pressure exposes what we really believe, and focused on Mark 4:35–41. Dr. Deb Gorton joined us to talk about how pressure can reveal the thoughts, beliefs, and burdens we need to sift through, explaining how biblical self-stewardship, wise community, and time with God help keep pressure from becoming burnout. Dr. Gorton is the Founder and CEO of Siv Counseling and Consultation. She also serves as Director of Community Care at Soul City Church in Chicago. Then we had Dr. Hormoz Shariat join us to share the urgent needs of believers in Iran, where Christians are facing fear, persecution, and practical hardship while continuing to stand strong for Christ. Dr. Shariat is the Founder and President of Iran Alive Ministries. Daniel Henderson also joined us to talk about spiritual warfare, explaining how opposition often arises when believers are serious about the gospel and why pastors and leaders must stay focused on prayer, the Word, and reliance on God rather than self-reliance. Daniel is the Founder and President of Strategic Renewal International, which coaches pastors. He is also the Global Director of The 6:4 Fellowship. You can hear the highlights of today’s program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps:Daniel Henderson [ 08:28 ]Dr. Deb Gorton [ 26:38 ]Dr. Hormoz Shariat [ 38:02 ]Make It A Metaphor [ 49:04 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we continued our weekly theme, "Under Pressure." Today we explored how pressure exposes what we really believe, and focused on Mark 4:35–41. Dr. Deb Gorton joined us to talk about how pressure can reveal the thoughts, beliefs, and burdens we need to sift through, explaining how biblical self-stewardship, wise community, and time with God help keep pressure from becoming burnout. Dr. Gorton is the Founder and CEO of Siv Counseling and Consultation. She also serves as Director of Community Care at Soul City Church in Chicago. Then we had Dr. Hormoz Shariat join us to share the urgent needs of believers in Iran, where Christians are facing fear, persecution, and practical hardship while continuing to stand strong for Christ. Dr. Shariat is the Founder and President of Iran Alive Ministries. Daniel Henderson also joined us to talk about spiritual warfare, explaining how opposition often arises when believers are serious about the gospel and why pastors and leaders must stay focused on prayer, the Word, and reliance on God rather than self-reliance. Daniel is the Founder and President of Strategic Renewal International, which coaches pastors. He is also the Global Director of The 6:4 Fellowship. You can hear the highlights of today’s program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps:Daniel Henderson [ 08:28 ]Dr. Deb Gorton [ 26:38 ]Dr. Hormoz Shariat [ 38:02 ]Make It A Metaphor [ 49:04 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we continued our weekly theme, "Under Pressure." Today we explored how pressure exposes what we really believe, and focused on Mark 4:35–41. Dr. Deb Gorton joined us to talk about how pressure can reveal the thoughts, beliefs, and burdens we need to sift through, explaining how biblical self-stewardship, wise community, and time with God help keep pressure from becoming burnout. Dr. Gorton is the Founder and CEO of Siv Counseling and Consultation. She also serves as Director of Community Care at Soul City Church in Chicago. Then we had Dr. Hormoz Shariat join us to share the urgent needs of believers in Iran, where Christians are facing fear, persecution, and practical hardship while continuing to stand strong for Christ. Dr. Shariat is the Founder and President of Iran Alive Ministries. Daniel Henderson also joined us to talk about spiritual warfare, explaining how opposition often arises when believers are serious about the gospel and why pastors and leaders must stay focused on prayer, the Word, and reliance on God rather than self-reliance. Daniel is the Founder and President of Strategic Renewal International, which coaches pastors. He is also the Global Director of The 6:4 Fellowship. You can hear the highlights of today’s program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps:Daniel Henderson [ 08:28 ]Dr. Deb Gorton [ 26:38 ]Dr. Hormoz Shariat [ 38:02 ]Make It A Metaphor [ 49:04 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we continued our weekly theme, "Under Pressure." Today we explored how pressure exposes what we really believe, and focused on Mark 4:35–41. Dr. Deb Gorton joined us to talk about how pressure can reveal the thoughts, beliefs, and burdens we need to sift through, explaining how biblical self-stewardship, wise community, and time with God help keep pressure from becoming burnout. Dr. Gorton is the Founder and CEO of Siv Counseling and Consultation. She also serves as Director of Community Care at Soul City Church in Chicago. Then we had Dr. Hormoz Shariat join us to share the urgent needs of believers in Iran, where Christians are facing fear, persecution, and practical hardship while continuing to stand strong for Christ. Dr. Shariat is the Founder and President of Iran Alive Ministries. Daniel Henderson also joined us to talk about spiritual warfare, explaining how opposition often arises when believers are serious about the gospel and why pastors and leaders must stay focused on prayer, the Word, and reliance on God rather than self-reliance. Daniel is the Founder and President of Strategic Renewal International, which coaches pastors. He is also the Global Director of The 6:4 Fellowship. You can hear the highlights of today’s program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps:Daniel Henderson [ 08:28 ]Dr. Deb Gorton [ 26:38 ]Dr. Hormoz Shariat [ 38:02 ]Make It A Metaphor [ 49:04 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Sign up for daily devotionals here! --------Thank you for listening! Your support of Joni and Friends helps make this show possible. Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org. Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

In the 15th episode of Voice of the Harvest, Kasey Sees and William Chapman reveal how understanding the difference between disappointment and discouragement can protect your ministry, your home, and your mental peace. Discover how unspoken negativity, failed expectations, and misplaced frustrations can quietly creep into your life and family, and learn the simple yet powerful strategies to convert disappointment into hope and resolution. You'll find out why words matter more than you think, how to handle setbacks with faith-driven perspective, and the importance of having trusted accountability partners to keep your spirit strong. If you're a pastor, church leader, or anyone trying to navigate life's storms with faith, this episode is your lifeline. Don't let unresolved disappointment poison your leadership or personal life. Learn to address it early, seek guidance, and keep joy at the center of your walk with God. Your spiritual health depends on how well you deal with setbacks before they turn into discouragement.

In this episode, Heather reveals what she believes is the number one reason photographers struggle to find clients—and it has far less to do with the economy, algorithms, competition, or pricing than you might think. She breaks down how your expectations quietly shape your actions, influence what your brain notices, and ultimately impact the results you create. If you've been feeling discouraged about finding clients, this episode may completely change the way you look at your business.  Key Takeaways: Your expectations shape your reality. Your brain constantly looks for evidence to support what you already believe. Expectation bias influences your business results. What you expect affects how you interpret situations and how you respond to them. Your market isn't always the problem. Sometimes the challenge is the story you're telling yourself about your market. Thoughts drive actions. If you expect rejection, you'll show up differently than if you expect opportunity. Clients can't book what they don't know exists. Confidence leads to visibility, offers, and action. Discouragement often starts with an expectation. Becoming aware of what you're expecting creates the opportunity to change it. Marketing is a skill, not a verdict. Every action gives you information you can use to improve. There are people who value photography. Your job is to learn how to find and serve them. Comparison reinforces limiting expectations. Focusing on others' success often distracts you from your own progress. You are capable of figuring this out. One of the most powerful expectations you can choose is believing in your ability to learn and adapt What if the reason you're not finding clients has nothing to do with your market? What if your brain is simply proving you right—over and over again? The expectations you carry today may be shaping every result you're getting. Press play and discover the hidden belief that could change everything. How to Support the Podcast: Subscribe to the podcast on iTunes or wherever you listen to podcasts. Please like, share, and leave a review. If you like the content, please share with your friends by posting on social media so that we can reach and impact more people. Join our next free coaching workshop: www.getcoachedbyheather.com Connect: Heather Lahtinen: Website, Facebook, Instagram 

Pastor Wayne Van Gelderen shares biblical truth that will bring hope and comfort in these uncertain days. May we draw closer to God through this time and impact those around us for eternity. https://fallsbaptist.org https://baptistcollege.org https://www.theegeneration.org https://ontovictorypress.com If you'd like to support this ministry - https://fallsbaptist.org/give/

Wherever you are today, this biblical meditation, narrated by Chloë Elmore, offers a quiet space to pause and reconnect with God. How does waiting on God renew your strength? Meditate on Isaiah 40:31. Abide is a Christian meditation app that helps you experience peace and grow in your relationship with Christ through Scripture, prayer, and reflection. Try Abide free for 30 days and explore our premium, ad-free meditations here: https://abide.com/peace Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

1 Kings 19:4 (ESV) - “But he himself went a day's journey into the wilderness and came and sat down under a broom tree. And he asked that he might die, saying, ‘It is enough; now, O Lord, take away my life, for I am no better than my fathers.'” In this episode of Daily Devotions, Pastor David Sumrall examines the story of Elijah and the powerful effects of discouragement. Even after experiencing a great victory, Elijah became overwhelmed, exhausted, and discouraged. His words, perspective, and outlook on life were deeply affected by what he was feeling. Pastor Sumrall explains that discouragement often causes people to focus on the negative, forget God's recent victories, and see situations through a distorted lens. Elijah believed he was alone and that everyone was against him, even though God had already been working through many others. Discouragement changed how he viewed both himself and the circumstances around him. Pastor Sumrall reminds us that when discouragement comes, we should be careful about the conclusions we draw and the words we speak. Sometimes the first steps toward recovery are simple but important: rest, nourishment, and allowing God to renew our perspective. ---- Don't forget to like, subscribe to Cathedral of Praise TV https://www.youtube.com/c/cathedralofpraiseTV/?sub_confirmation=1,and hit the bell icon

From Discouragement to Celebration (Ezra 5-6)

Struggling with Discouragement

Preview for Later Today: Jonathan Sayeh reports on the Iranian people's discouragement regarding the lack of U.S. support for regime change. He discusses abandoned mobilization plans and the potential, yet controversial, use of specific Kurdish separatist groups against the IRGC.1903 TEHRAN

Discouraged? Learn how Nehemiah dealt with it and you can too

Series: N/AService: Sun AMType: SermonSpeaker: Warren King

What if delay and discouragement are not your reality in God?Many believers carry prophetic promises, dreams, callings, and assignments that seem delayed. Over time, disappointment can become discouragement, and discouragement can begin to shape how we see our future.But what if things are not as they seem?In this episode, Robert Hotchkin explores one of the most powerful revelations in Scripture: THE NOW OF GOD. Through Moses's encounter with the Great I AM at the burning bush, you'll discover how God's eternal nature changes the way we view His promises, our circumstances, and what is possible right now.In this teaching you'll learn:• Why delay and discouragement often work together• How God canceled 40 years of delay in Moses's life• Why God's promises exist in the eternal NOW OF GOD• How present-tense faith activates fulfillment• Keys to renewed hope and divine acceleration• How to partner with God for the manifestation of His promisesTHE NOW OF GOD is not merely a concept. It is a biblical reality rooted in the nature of the Great I AM. When you discover what IS in God, you can begin to see it BE manifested in your life.If you've been waiting for breakthrough, fulfillment, or promises to come to pass, this episode will encourage your faith and help you see your circumstances from Heaven's perspective.

Why The Heaviness, Christian? | Live with Pastor Todd Website: www.PastorTodd.org To Give: www.ToddCoconato.com/give Many Christians are feeling a heaviness right now. A weight they can't fully explain. Fatigue. Discouragement. Mental battles. Pressure. Even people who love God and are walking faithfully are asking, “Why do I feel this way?” There is something happening that you need to understand, and knowing this truth could change everything. Don't ignore what you're carrying. Don't assume it's just stress. There are moments in life where understanding what's happening spiritually changes how you fight the battle. Pastor Todd just did a very important live that speaks directly into this moment. If you've been feeling heavy, stuck, overwhelmed, or like something has been pressing against your peace, listen to this message. It may be exactly what you need right now.    

In this teaching, Minister Gabriel Magaña discusses the theme of fighting discouragement while sowing seeds of faith. He emphasizes the importance of perseverance in the face of challenges and the need to keep moving forward despite feelings of weariness. Drawing from biblical examples, particularly Nehemiah, he highlights how God uses burdened individuals to rebuild broken things and the significance of maintaining a made-up mind to overcome opposition and mockery. The lesson encourages listeners to remain steadfast in their faith and to understand that progress may come with challenges, but it is essential to keep sowing and building. In this lesson, Minister Magaña shares profound insights on navigating life's challenges through faith and resilience. He emphasizes the importance of finding strength in difficult seasons, overcoming fear and discouragement, and remaining steadfast in service to God. The message highlights how painful experiences can lead to growth and purpose, encouraging listeners to keep pressing forward despite adversity. Minister Magaña draws on biblical examples to illustrate that true surrender and obedience often come through suffering, and that every trial can transform into a testimony of God's faithfulness.Minister Gabriel Magaña | May 26, 2026The Fountain Apostolic ChurchSOW (2026)Learn more at tfachurch.com/plus

There's a big difference between disappointment and discouragement.Donate to Moody Radio: http://moodyradio.org/donateto/todayssinglechristianSee omnystudio.com/listener for privacy information.

Celebration Church - Phoenix, AZ

Dash with Carol Dixon is all about life and how to live that life positively, productively, and prayerfully. After decades of ministry, Dr. Dixon is qualified to address any topic of life from a biblical perspective. Let's listen now as Dr. Dixon shares nuggets on "How to Overcome Discouragement."Send us Fan MailBecome a Dash Legacy Builder Today! For more information go to caroldixon.net/dash

In this episode of The Consumer Finance Podcast, Chris Willis, Lori Sommerfield, Taylor Gess, and Lane Page discuss the CFPB's sweeping final amendments to Subpart A of Regulation B. The group unpacks the elimination of the disparate impact legal theory from ECOA, the narrowing of the discouragement standard (including what it means for targeted advertising), and the significant new limits on special purpose credit programs (SPCPs). They also explore expected litigation challenges, the continuing role of the Fair Housing Act and state laws in bringing cases under the disparate impact theory, and the practical steps lenders should be taking now to reassess fair lending testing, SPCP design, and redlining risk in light of the final rule. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We preach Christ's victory as pastors. But we battle discouragement, criticism, exhaustion, disappointment and sin.What does the victory of Christ actually mean for pastors whose ministries feel painfully ordinary? What does it mean for leaders carrying the slow weight of imperfect churches, spiritual warfare, unanswered prayers and years of costly ministry?We speak with Phil Colgan and Adam Ch'ng how suffering shapes faithful ministry, and why Christ's victory does not remove weakness — but gives hope, endurance and courage.We explore sanctification, spiritual battle, pastoral perseverance and the future glory.Phil Colgan is senior minister of St George North Anglican on the Central Coast; Adam Ch'ng is senior minister of Cross and Crown Melbourne. They are speaking to around 1300 pastors and leaders at the Reach Australia National Conference on the Central Coast of New South Wales.Support the show

In this “pawndering” episode of God and Our Dogs, host Meg Grier is joined by Curtis Bissonette — a 20+ year Boerne resident and Director of Transportation Projects at Valero — to reflect on a K9 story from Sheriff Al Auxier about police dog Renee, who was redirected from guide dog work to law enforcement and thrived. Curtis connects Renee's story to his own career journey and to training his young Labrador Retriever, Grace, drawing parallels about purpose, calling, and the patience God shows us as we grow into who He designed us to be. Curtis also shares about Hill Country Daily Bread Ministries' youth mentoring program, which has 60+ students waiting for mentors. Learn more at hillcountrydailybread.org. 0:00 – Intro / Welcome 1:28 – Guest intro: Curtis Bissonette 2:14 – Al Auxier's K9 story: Renee finds her purpose 3:57 – “Pawndering” begins: Curtis reflects on Renee's story 5:06 – How do we know when we're blossoming? 5:50 – Grace the puppy & knowing your pedigree/potential 7:26 – Discouragement, stumbling, and God's heart posture 9:05 – Catching yourself as a trainer; God as perfect Father 9:40 – "I am the vine": pruning, growth, and returning to God 11:25 – Training Grace, pruning ourselves, strong will & patience 12:39 – Hill Country Daily Bread youth mentoring program 14:17 – Closing / How to find the show

When life presses in from every side, the real question is not what you're facing but whether you'll lose heart.

Today's episode of the Consumer Finance Monitor Podcast features a wide-ranging and timely discussion about one of the most consequential fair lending developments in years: the CFPB's final rule fundamentally reshaping enforcement under the Equal Credit Opportunity Act (ECOA) and Regulation B. Hosted by Alan Kaplinsky (the Founder, Chair for 25 years and now Senior Counsel of the Consumer Financial Services Group at Ballard Spahr, LLP), the episode brings together an exceptional panel of fair lending authorities: our special guest Bradley Blower (the Principal and Founder of Inclusive-Partners LLC) along with John Culhane, Jr., and Richard Andreano, Jr., Senior Counsel in the Consumer Financial Services Group at Ballard Spahr LLP. The discussion revisits a proposal first examined on the podcast last year when the CFPB under Acting Director Russell Vought proposed sweeping revisions to ECOA enforcement principles (you can find more on that episode here). Now, the Bureau has finalized the rule largely as proposed, marking a dramatic shift in federal fair lending policy. The CFPB's Three Major Changes As discussed during the podcast, the final rule makes three major changes from the former Regulation B: ·        Eliminates the use of disparate impact analysis under ECOA and Regulation B. ·        Narrows discouragement liability by focusing primarily on spoken, written, or visual statements rather than broader conduct. ·        Revises the framework governing Special Purpose Credit Programs (SPCPs), particularly for for-profit lenders. The Bureau's stated rationale is that ECOA does not authorize disparate impact liability and that fair lending enforcement should focus on intentional discrimination rather than statistical disparities alone. Supporters of the rule argue that the changes provide lenders with clearer standards, reduce regulatory uncertainty, and create a more predictable environment for innovation, including AI-driven underwriting and algorithmic decision-making. Critics, however, contend that the rule ignores the historical role disparate impact analysis has played in uncovering systemic discrimination and could make it substantially more difficult to identify discriminatory outcomes embedded in facially neutral policies or automated systems. Disparate Impact: A Sea Change, But Not the End of Fair Lending The panel devoted significant attention to the CFPB's elimination of disparate impact liability under ECOA. John Culhane described the move as a "dramatic shift" for non-mortgage lending, noting that disparate impact theories historically drove many federal fair lending actions involving indirect auto finance, student lending, and other consumer credit products. At the same time, Rich Andreano emphasized that the mortgage industry remains subject to disparate impact claims under the federal Fair Housing Act because of the Supreme Court's decision in Texas Department of Housing and Community Affairs v. Inclusive Communities Project. As a result, mortgage lenders still face substantial fair lending exposure notwithstanding the CFPB's new ECOA position. The panelists also stressed that disparate impact is far from dead at the state level. Several states, including Massachusetts, New Jersey, and New York, are expected to continue aggressive fair lending enforcement using disparate impact theories under state statutes, regulations, and consumer protection laws. Indeed, the panel highlighted the growing role of state attorneys general and state regulators as federal enforcement narrows. Discouragement Liability and the "Townstone Effect" Another focal point of the discussion was the CFPB's narrowing of discouragement liability. The panel explored how the Bureau's revisions appear heavily influenced by the CFPB's controversial enforcement action against Townstone Financial, where the Bureau alleged that comments made during radio broadcasts and podcasts discouraged minority borrowers from applying for loans. Rich Andreano characterized the final rule's discouragement provisions as effectively "the Townstone rule," reflecting the current CFPB leadership's strong opposition to the prior Bureau's enforcement theory in that case. Nevertheless, both Brad Blower and John Culhane cautioned that courts and state regulators may continue to consider broader conduct, including branch placement, marketing strategies, and community engagement, when evaluating potential redlining or discouragement claims. SPCPs Face New Uncertainty The podcast also examined the CFPB's revisions to Special Purpose Credit Programs. Brad Blower explained that while SPCPs remain permissible, the new rule substantially complicates the use of race-conscious programs by for-profit lenders. Many institutions may now seek to redesign programs around race-neutral criteria such as first-generation homeownership, low- and moderate-income geographies, or majority-minority census tracts. Rich Andreano warned that many financial institutions, especially banks, may scale back SPCPs due to litigation and regulatory uncertainty, particularly given the broader political and legal environment surrounding diversity, equity, and inclusion initiatives. The Practical Message: "Stay the Course" Despite the significance of the CFPB's rule changes, the clearest takeaway from the discussion was remarkably consistent: lenders should not dismantle their fair lending compliance programs. All three panelists emphasized that institutions should continue: ·                 Monitoring for disparate impact. ·                 Reviewing underwriting and pricing models. ·                 Evaluating marketing and branch strategies. ·                 Testing AI and algorithmic systems for bias. ·                 Maintaining robust fair lending compliance management systems. As Brad Blower observed, institutions that "take their foot off the gas" risk state enforcement actions, private litigation, reputational harm, and future regulatory scrutiny under a different federal administration. Rich Andreano summarized the prevailing industry guidance succinctly: "Stay the course." AI, Algorithmic Underwriting, and Future Litigation The panel also explored how the rule intersects with AI-driven lending. Although federal ECOA disparate impact enforcement may narrow, the panelists noted that state laws and private litigation could continue targeting algorithmic discrimination. Several states already are pursuing or considering laws specifically addressing AI bias and automated decision-making. The panel further predicted that legal challenges to the CFPB's final rule are highly likely. Potential claims could include: ·        Administrative Procedure Act challenges. ·        Arguments that the CFPB disregarded congressional intent underlying ECOA. ·        Challenges arising under the Supreme Court's decision in Loper Bright Enterprises v. Raimondo, which eliminated Chevron deference to agency rules. The panel suggested that litigation over the final rule could ultimately reach the Supreme Court, particularly on the unresolved question of whether ECOA itself authorizes disparate impact liability. Conclusion This episode provides an exceptionally practical and nuanced examination of one of the most important fair lending developments in recent memory. While the CFPB has dramatically narrowed federal ECOA enforcement theories, the broader fair lending landscape remains highly active due to state enforcement, private litigation risk, the Fair Housing Act, and ongoing scrutiny of AI-based underwriting systems. For lenders, the message from the panel was unmistakable: despite the CFPB's final rule, fair lending compliance remains as important as ever. You can listen to the full podcast on the Consumer Finance Monitor Podcast available through Ballard Spahr and major podcast platforms. 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.

Vision: A PICTURE of what you hope the FUTURE will be like. “The Son of Man came to SEEK and to save the LOST.” Luke 19:10 Bring Jesus into EVERY relationship “To MAKE DISCIPLES of all people…” Matthew 28:19 Make disciples who make MORE disciples. SIGNIFICANCE is always found on the OTHER side of “What's […]

Chris takes us to Haggai 2 to show the parallels between what the prophet said to Israel regarding building the second temple and how discouragement in our lives can damage what God is doing in our faith walk. Using two points and four action steps, let this message encourage you to get back at it with purpose and joy.  freshroadmedia.com  

What if the thing that's holding you back isn't a lack of talent… but a lack of relentless standards, awareness, and the willingness to push just one more time? In this mashup, I brought together some of the most driven, disciplined, and mentally tough performers I've ever sat down with, and we go deep on what really separates winners from everyone else. You're going to hear from people like Eric Thomas, Lewis Howes, Grant Cardone, Alan Stein Jr., and Ryan Hawk, and every one of them brings a different angle on the same truth: success is not an accident. It's a decision backed by habits, standards, and daily discipline. We talk about the hidden “dream killers” that quietly derail your future before you even realize what's happening. Things like discouragement, comparison, and the voices that cause you to question your worth and your direction. I share how awareness alone can strip these obstacles of their power, because once you can identify what's working against you, you can finally start to take control of it. Eric Thomas brings the intensity and reminds you what it means to go all in when nobody is watching. Grant Cardone challenges you to think bigger and operate at a level where average simply is not an option. Lewis Howes opens up about overcoming internal barriers and aligning your life with purpose. Alan Stein Jr. and Ryan Hawk break down what elite performers do differently, and it always comes back to preparation, consistency, and standards that most people are not willing to live by. And I want you to really hear this part. The difference between you and the person you want to become is not some massive leap. It is the willingness to do one more. One more call. One more rep. One more hour. That mindset compounds over time and becomes your identity. It builds confidence, because confidence comes from keeping the promises you make to yourself. This episode is not just about getting motivated. It is about getting honest with yourself. Are you operating at your true standard, or are you negotiating with your potential? Because the truth is, you were not born to live an average life. You were born to max out. And the sooner you start acting like it, the sooner everything in your life begins to change. Key Takeaways: Awareness is power. When you identify the obstacles holding you back, they lose their grip on you Discouragement and comparison are silent dream killers that must be confronted head on Elite performers train to a higher standard, not just their current competition Confidence is built by keeping promises to yourself, not by waiting to feel ready The habit of “one more” is the ultimate separator between average and extraordinary Success is not about talent. It is about consistency, preparation, and discipline over time

Join Kent Christmas as he delves into the spiritual challenges of discouragement. Through biblical examples like Elijah and insights on maintaining courage, this video offers guidance on overcoming negative influences and fulfilling God's purpose. Discover the power of praise and the importance of perseverance in your spiritual journey.

Develop success from failures. Discouragement and failure are two of the surest stepping stones to success. — Dale Carnegie Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Have a Plan BEFORE Pulling the Trigger" https://youtu.be/hfvsOgw6UR8 If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Listen in to hear what Joni has to say about the struggles of caregiving. -------- Thank you for listening! Your support of Joni and Friends helps make this show possible.     Joni and Friends envisions a world where every person with a disability finds hope, dignity, and their place in the body of Christ. Become part of the global movement today at www.joniandfriends.org   Find more encouragement on Instagram, TikTok, Facebook, and YouTube.

Remember the Ways of the Lord: Learning Faith and Hope in the Midst of Depression, Anxiety, Fear, and Discouragement

In today's episode: The Israelites prove their devotion to God and His laws by building an altar and keeping the feasts The temple foundation is laid for the 2nd temple God warns the people not to despise the small start The old men weep (probably not tears of joy) after they see the foundation Discouragement often comes when you are doing God's will Other related episodes: 2 Chronicles 35:10-27 - The Point of Animal Sacrifice, and Why We No Longer Do It Leviticus 16:11-19 (From Creation) - Does God Like Animal Sacrifices? It Will Be Provided - the parallels between Abraham's test in Genesis 22 and the sacrifice of Jesus on the cross Hey! Look at this other P40 content! YouTube - https://www.youtube.com/watch?v=Hnh-aqfg8rw Ko-Fi - https://ko-fi.com/p40ministries Website - https://www.p40ministries.com Facebook - https://www.facebook.com/p40ministries Contact - jenn@p40ministries.com Rumble - https://rumble.com/c/c-6493869 Books - https://www.amazon.com/Jenn-Kokal/e/B095JCRNHY/ref=aufs_dp_fta_dsk Merch - https://www.p40ministries.com/shop YouVersion - https://www.bible.com/reading-plans/38267-out-of-the-mire-trusting-god-in-the-middle Check out LifeAudio for other faith-based podcasts on parenting, studying Scripture, and more:www.lifeaudio.com Become a member to gain access to The Bible Explained on Fridays: https://ko-fi.com/p40ministries Support babies and get quality coffee with Seven Weeks Coffee https://sevenweekscoffee.com/?ref=P40 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Remember the Ways of the Lord: Learning Faith and Hope in the Midst of Depression, Anxiety, Fear, and Discouragement

Remember the Ways of the Lord: Learning Faith and Hope in the Midst of Depression, Anxiety, Fear, and Discouragement

Develop success from failures. Discouragement and failure are two of the surest stepping stones to success. — Dale Carnegie Prior Session's Trade Execution Summary Grid: Receive TODAY's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: "Finding Your Own Ah-Ha Moment!" If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!" and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text "chartingwealth" to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Neh 4: 7-12

A daily quote to inspire the mind, gratitude to warm the soul, and guided breathing to energize the body. Quote: Develop success from failures. Discouragement and failure are two of the surest stepping stones to success. ~Dale Carnegie Gratitude: Cheering for your team. Root, root, root for the home team. Science says being can can improve your health and happiness. Guided Breathing: Equal Breathing. Visit TheDailyRefresh.com to share your unique piece of gratitude which will be featured on an upcoming episode, and make sure to watch the tutorial of how to make The Daily Refresh part of your Alexa Flash Briefings! Call to action: If you're ready to master productivity, discipline and focus in 100 days, visit TheMasteryJournal.com and you'll have the step by step guidance to do just that. Use promo code 'refresh' as a thank you for listening to The Daily Refresh.

For our members only episodes we are going through my notes from Integrated, which is a mastermind group of fathers + business owners I get to be a part of. This specific session was about discouragement and given by Jeff Bethke. I've heard Jeff speak a lot and this was honestly one of the best talks I have ever heard him give. If you want to support the podcast, become a member! With that you will get one extra episode a week and all episodes completely ad free!

It's easy to feel overwhelmed when problems keep piling up. Dr. Tony Evans explains how God can lift us out of discouragement—even when our situation feels hopeless.

It's easy to feel overwhelmed when problems keep piling up. Dr. Tony Evans explains how God can lift us out of discouragement—even when our situation feels hopeless.

We all know what it feels like to wonder if we are truly loved — not just told, but shown. Words matter, but there are moments in life, especially the hard ones, when we need more than words. We need proof. Tonight's episode reminds us that God knew this about us long before we did, and He didn't just speak His love from a distance. He demonstrated it in the most costly, irreversible way imaginable. Romans 5:8 tells us that while we were still sinners — not after we cleaned ourselves up, not after we found our way back to Him — Christ died for us. That is not the love of someone waiting to be impressed. That is the love of a Father who acted first, who gave everything, who refused to let our rebellion have the final say. When life feels hard and God feels far away, we don't have to search for evidence of His love. We only have to look to the cross — where the proof was settled, once and for all. Tonight's Scripture "But God demonstrates his own love for us in this: While we were still sinners, Christ died for us." — Romans 5:8 Ponder This Tonight Love is not just a feeling — it's an action. Scripture makes clear that real love acts selflessly for the good of others. God didn't just feel love for us; He demonstrated it through the gift of His Son. God didn't wait for us to be worthy. While we were still in rebellion, still rejecting Him, Christ died on our behalf. His love was not conditional on our deserving it — and it still isn't. The cross is the finished work of love. Everything we need — forgiveness, redemption, new life through the Holy Spirit, and eternity in God's kingdom — was made available through Christ's death. Nothing has been left undone. Discouragement is not the end of the story. When doubt and defeat creep in, we can anchor ourselves in what God has already done. His love isn't a feeling that fluctuates with our circumstances — it's a truth proven at Calvary. We are called to love like He loved. The love God poured out through Christ is the same love He calls us to carry into the world — patient, kind, self-sacrificial, and rooted in truth. Reflection & Encouragement If you are in a hard season tonight — feeling unseen, unloved, or far from God — let this truth be the thing you hold onto: He already proved it. Before you ever wondered whether He loved you, He answered the question. He gave His Son. He acted first. And that same love that carried Christ to the cross is the love that is holding you right now, in whatever you're facing. You are not just told you are loved. You have been shown. Want More? If you like what you heard today, be sure to follow Your Nightly Prayer wherever you listen to podcasts! If tonight's prayer encouraged your heart, there's more waiting for you. Sign up for the LifeAudio newsletter at LifeAudio.com for devotional prayers, reflections, and faith-filled content delivered straight to your inbox. Subscribe, share, and invite someone you love to listen tonight. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.