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Our Daily Bread Podcast | Our Daily Bread

The members asked why their church was buying a steeple. Was this the best use of God’s resources? What about feeding the poor? The pastor replied that the funds came from donors and needed to be spent as they wished. “Besides,” he quoted Jesus, “the poor you will always have with you” (Mark 14:7). The pastor quickly apologized for his flippant, out of context remark, which led me to wonder, What was Jesus’ context? Six days before His death, a woman anointed Jesus’ with expensive perfume. The disciples were disgusted. Why wasn’t this perfume sold to help the poor? Jesus replied by quoting Deuteronomy 15:11, “You will always have the poor among you, but you will not always have me” (John 12:8). Jesus often cited Deuteronomy, so He knew what was written a few sentences earlier: “There need be no poor people among you, for in the land the Lord your God is giving to you . . . , he will richly bless you, if only you fully obey the Lord your God” (vv. 4–5). Perhaps this was another reason for Jesus’ rebuke. Poor people existed only because Israel hadn’t obeyed God’s instructions. Now the poor were being used to distract from Jesus—the true Israelite who would fully obey to the end. We need not choose between Jesus and the poor. We love people best by loving Him most and loving Him most inspires us to love others best.

Our Daily Bread Podcast | Our Daily Bread

“Did you grow up around here?” It was difficult to answer my dental hygienist’s simple question because her teeth-cleaning tools were still inside my mouth. She explained that in 1945 our city became the first in the world to add fluoride to public drinking water. Thought to prevent cavities, the treatment doesn’t require much: just 0.7 milligrams of fluoride to a liter of water. Its positive effects are obvious to a trained professional, while I had no idea, I’d been drinking it all my life! The things we consume every day can have an effect on us over time. That applies not only to food and drink but also to entertainment, friends, and messages from social media. The apostle Paul cautioned, “Do not conform to the pattern of this world, but be transformed by the renewing of your mind” (Romans 12:2). While the Holy Spirit is making disciples of Jesus to be more like Him, the process takes a lifetime. Our habits can either help or hinder His work. It’s not always easy to recognize what we’re consuming, but we can ask Him, who’s rich in “wisdom and knowledge,” to show us (11:33). Wisdom and discernment help us “test and approve what God’s will is” (12:2) considering ourselves with “sober judgment” (v. 3). Whatever He might be asking us to add to or remove from our daily lives is worth the price. All things are “from him and through him and for him” (11:36). He knows best.

Our Daily Bread Podcast | Our Daily Bread

Jesus, how are You praying for me? I’d never thought to ask that question until my friend Lou shared the experience of his heart-cry to Christ when he was faced with a situation that required more wisdom and strength than he was able to muster. Hearing him voice that noteworthy question in prayer has helped me add a fresh dimension to my understanding and practice of prayer. In Luke 22, there was no mystery as to how Jesus was praying for Simon Peter: “Simon, Simon, Satan has asked to sift all of you as wheat. But I have prayed for you, Simon, that your faith may not fail” (vv. 31-32). When Peter was battered through trial, his faith flickered. But because of Christ’s grace, it didn’t fail. The book of Acts tells us how Jesus’ prayers for Peter—His eager but weak disciple—were answered. God used him to preach the good news about Christ to Jews and gentiles alike. And Jesus’ prayer ministry hasn’t ended. Paul reminds us that “Christ Jesus who died—more than that, who was raised to life—is at the right hand of God and is also interceding for us” (Romans 8:34). When you find yourself in the throes of trial or temptation, remember that Jesus, who prayed for His disciples (see John 17:13-20) remains in prayer for those who have believed their message about Him.

RBC Disruptors
REBOOT: AI in Canada: Leading Innovation, Lagging Adoption

RBC Disruptors

Play Episode Listen Later Jul 15, 2025 29:13


In this episode of Disruptors x CDL: The Innovation Era, hosts John Stackhouse, Senior VP of RBC, and Sonia Sennik, CEO of Creative Destruction Lab, dive into one of the most transformative technologies of our time: Artificial Intelligence. With the potential to revolutionize industries from healthcare to energy, AI is reshaping the global economy — and Canada is both a leader in research and a laggard in adoption.This week, Geoffrey Hinton, Professor at the University of Toronto, was awarded the Nobel Prize in Physics for his research in artificial intelligence that began in 1987.Join John and Sonia as they discuss Canada's AI ecosystem and the country's challenges in keeping pace with global AI adoption. They're joined by three visionary guests: Sheldon Fernandez, CEO of Darwin AI, Kory Mathewson, Senior Research Scientist at Google DeepMind, and Gillian Hadfield, a Schmidt Sciences AI2050 Senior Fellow. Together, they explore the opportunities and barriers in AI adoption, the creative applications of AI, and the role Canada must play in the future of AI.This episode is packed with insights for business leaders, policymakers, and anyone curious about how AI is changing our world. Whether you're an AI enthusiast or a skeptic, this episode will challenge your thinking on the role of technology in shaping the future.Tune in to learn how AI is both an opportunity and a responsibility, and how Canada can lead the charge in this new innovation era.Sign up to receive RBC Thought Leadership's newsletter, flagship reports and analysis on the forces shaping Canadian business and the economy.

Our Daily Bread Podcast | Our Daily Bread

We have a new puppy, Winston. He bites. Sleeps. Eats. (Does one or two other things.) Oh, and he digs. Winston doesn’t dig casually. He tunnels. Like he’s escaping from prison. It’s compulsive, ferocious, and filthy. Why does that dog dig so much? I wondered recently. Then it hit me: I’m a digger, too—prone to “digging” into myriad things I hope will make me happy. They’re not always even bad things. But when I fixate on finding satisfaction in something apart from God, I become a digger. Digging for meaning apart from God leaves me covered in dirt and longing for something more. Jeremiah rebuked Israel for being diggers: “They have forsaken me,” God said through the prophet in Jeremiah 2:13, “and have dug their own cisterns, broken cisterns that cannot hold water.” God disciplined His people for neglecting to seek Him. They’d dug their own wells in an attempt to quench their deepest thirst. But God reminded them that He alone is the “spring of living water.” In John 4, Jesus offered this living water to the woman at the well, who’d also done her share of digging elsewhere (vv. 10-26). We’re all diggers sometimes. But God graciously offers to replace our fruitless digging for fulfillment with His water, which alone satisfies the deep thirst of our souls.

Our Daily Bread Podcast | Our Daily Bread

Tom, age seven, admired his dad’s shiny trophies from school track events sitting on a shelf. He thought, I want one of those for my bedroom. So he asked, “Dad, can I have one of your trophies?” The man surprisingly answered, “No, Tom, those are mine. I earned them, and you can earn your own.” Then they made a plan that if he ran around the block in a certain amount of time (he knew his son could do it), he would give him a trophy of his own. Tom practiced with his dad’s guidance, and a week later his dad cheered him on as ran the race in time. Tom learned lessons in self-discipline and hard work, and his dad congratulated him with an award. Proverbs 1:8 encourages children to “listen . . . to your father’s instruction.” Tom’s dad also taught him about running the race of life with Jesus and listening to His leading. He instructed him about choosing “what is right and just and fair,” as the father in Proverbs did (v. 3). A father’s teachings are valuable: “a garland to grace your head and a chain to adorn your neck” (v. 9). You may not have a father to instruct you in your race with Christ. But God can lead you to a mentor who can pass along their wisdom. Or perhaps God is calling you to mentor someone. He’ll give you guidance as you’re active with others in running the race.

Make Money Count
Mid-Year Market Check: Did We Predict Anything Right?

Make Money Count

Play Episode Listen Later Jul 13, 2025 11:01


In this episode of Make Money Count, Marcus and Justin revisit their bold 2024 predictions for detached homes, semis, townhouses, and condos... and compare them to what actually happened. They also break down the latest housing reports from RBC, TD, and Oxford Economics, who each have wildly different takes on where the market is heading next.

Our Daily Bread Podcast | Our Daily Bread

After years of discipling Caleb by himself, Mark was dismayed to find out that a church leader had assigned another mentor to the young man. The leader remarked, “Finally, Caleb has a mentor.” What did they think I was doing all these years? Mark wondered. Though he had not expected any reward or recognition, he couldn’t help feeling hurt. Years later, however, Caleb told Mark that he had entered Caleb’s life just when he most needed spiritual guidance. On hearing these encouraging words, Mark came to this realization: God gives believers in Jesus specific gifts to serve Him differently—without comparing with others—and He controls the timing. In 1 Corinthians 12:4-31, Paul stresses the value of members of the body having different gifts, roles, and assignments, while remembering the ultimate source of the results: “I planted the seed, Apollos watered it, but God has been making it grow” (3:6). Each of us may be given a unique season and opportunity to do God’s work. Unlike people, God doesn’t compare our work, for He loves us as individuals. May we keep our eyes and hearts focused on doing our best in the season that God has given us—relying completely on His strength and empowerment—and not worry about what others achieve in their own way and time.

Our Daily Bread Podcast | Our Daily Bread

A family who’d lost touch with their son and brother Tyler received an urn that was said to contain his cremation ashes. Just twenty-two years old, he’d apparently died of a drug overdose. For years, Tyler had dealt with the effects of drug addiction and poor choices. But prior to the reported overdose, he’d been sober after spending time in a transitional housing facility and completing an addiction recovery program. Then authorities made a shocking discovery—Tyler was actually alive! They’d mistaken him for another young man who’d died of an overdose. Later, after being reunited with family and reflecting on the death of the other young man, Tyler said, “That could have been me.” The Israelites once learned of their death—though they were very much alive. In a song of mourning, the prophet Amos sang these words to God’s rebellious people: “Fallen is Virgin Israel, never to rise again” (Amos 5:2). These words must have gotten their attention—they were dead?! But the prophet also spoke these comforting words from God Himself: “Seek me and live” and “Seek good . . . . Then the Lord God almighty will be with you” (vv. 4, 14). Though Israel was dead in their sins against God, He invited them to turn to Him and find life. As we deal with our sin, let’s confess it and bring it to the one who loves us and forgives us. God lovingly leads us from death to life (John 5:24).

Taking Stock with Amanda Lang
Is the worst over for Canada's job market ?

Taking Stock with Amanda Lang

Play Episode Listen Later Jul 11, 2025 23:20


It's been a tough stretch for job seekers - especially younger ones looking for summer or first jobs - but could the worst be over? Amanda Lang talks it over with Claire Fan, Senior Economist at RBC.

Our Daily Bread Podcast | Our Daily Bread

When my grandmother was gently informed that my grandpa would likely pass on in the next few days, we were concerned that she’d be upset and anxious. “Are you worried?” someone asked her, thinking that she might have questions about her husband’s physical condition or need help for her own needs. She thought for a moment. “No,” she calmly answered, “I know where he’s going. God is there with him.” Her expression of God’s presence with her husband echoes a similar one made by the psalmist David in Psalm 139:8: “If I go up to the heavens, you are there; if I make my bed in the depths, you are there.” Although the certainty of God’s presence in Psalm 139 carries a subtle warning that we can’t escape His Spirit no matter where we go, it also brings great comfort to those who love Him and desire the assurance of His presence: “Where can I go from your Spirit? Where can I flee from your presence” (v. 7). As God’s redeemed people, we can be consoled that no matter where we are, He’s there guiding us and holding us in His hand (v. 10). When we go through tough, worrisome situations and don’t feel that God is with us, we can be assured that He’s present with all those whom He loves and who love Him. May this knowledge of His certain presence bring you the comfort and hope you need today.

Chatter that Matters
Arlene Dickinson - The One and Only

Chatter that Matters

Play Episode Listen Later Jul 10, 2025 31:16 Transcription Available


What does it take to reinvent yourself—again and again—while remaining grounded in gratitude and generosity? In this inspiring episode recorded in front of a live audience, I sit down with the one and only Canadian icon and my dear friend, Arlene Dickinson, the beloved “matriarch of Dragon's Den." We explore the extraordinary journey that shaped her into one of the country's most respected business leaders and advocates. From overcoming tough odds—being a single mother of four with no post-secondary education—to earning her place in a male-dominated industry, Arlene's honest reflections on imposter syndrome, self-reliance, and reinvention are both practical and moving. But this conversation isn't just about business. We discuss life, media, and breaking stereotypes surrounding age, relationships, and relevance, reminding us all of the power of authenticity, generosity, and not being afraid to stand alone. Whether you're an entrepreneur, a leader, or just someone looking for support (not a handout), Arlene's lessons on curiosity, empathy, and nation-building will stay with you long after the episode ends.   A big thank you to RBC and RBC Wealth for supporting and sharing these stories of positivity and possibility.

Our Daily Bread Podcast | Our Daily Bread

They were three adrenaline-fueled teenage boys, unleashed in the immense underground system connecting to Mammoth Cave. With them was their Uncle Frank, a veteran caver familiar with these parts. He knew the drop-offs and danger spots and continually called to the three, “Guys, this way!” Still, they ventured ever farther from him. Dimming his headlamp, Uncle Frank decided to remain silent. Soon, the boys realized they’d lost their guide. Panic-stricken, they yelled his name. No response. Finally, they saw his headlamp flicker to life in the distance. Instant relief and peace! Now they were ready to follow their guide. This true story makes an apt parable for how we can treat the gift of the Holy Spirit. Detours lure us away from the voice that calls us to follow the One who said, “Follow me” (Matthew 16:24). That voice is the Holy Spirit, who dwells inside each child of God (Acts 2:38–39). God’s Spirit will never abandon us, but we can ignore Him. The apostle Paul warns, “Do not quench the Spirit” (1 Thessalonians 5:19). Instead, “Rejoice always, pray continually,” and “give thanks in all circumstances” (vv. 16–18). By doing so, we stay close to our guide, “the God of peace,” who can keep us “blameless” (v. 23). It’s not our work that does it. It’s His. As Paul reminds us, “The one who calls you is faithful, and he will do it” (v. 24).

Closing Bell
Closing Bell Overtime: Nasdaq Notches Record Close As Nvidia Sets Market Cap Record 7/9/25

Closing Bell

Play Episode Listen Later Jul 9, 2025 43:42


Nvidia becomes the first company ever to hit a $4T valuation and the Nasdaq notched a record close. But is the rebound starting to feel stretched? Lori Calvasina of RBC joins with her take on positioning. Former USTR official Wendy Cutler on the latest trade headlines. Oppenheimer's Brian Schwartz on why he upgraded Microsoft and Jefferies' Sheila Kahyaoglu previews Delta's earnings.

The CGAI Podcast Network
How the G7 Should Think About LNG

The CGAI Podcast Network

Play Episode Listen Later Jul 9, 2025 60:11


On this episode of the Energy Security Cubed Podcast, Kelly Ogle and Joe Calnan talk with Kathleen Gnocato and Shaz Merwat about the role of Canadian LNG in diplomacy around the G7. You can find their report for RBC Thought Leadership here: https://www.rbc.com/en/thought-leadership/the-growth-project/a-g7-strategy-for-natural-gas-four-scenarios-for-energy-security-in-the-2040s/ // Guest Bio: - Kathleen Gnocato is the LNG Research Initiative Lead, Independent Consultant for RBC Thought Leadership - Shaz Merwat is Energy Policy Lead for RBC's Climate Action Institute // Host Bio: - Kelly Ogle is Managing Director of the Canadian Global Affairs Institute - Joe Calnan is VP, Energy and Calgary Operations at the Canadian Global Affairs Institute // Reading recommendations: - "From the Ashes: My Story of Being Métis, Homeless, and Finding My Way", by Jesse Thistle: https://www.simonandschuster.ca/books/From-the-Ashes/Jesse-Thistle/9781982101213 - "Apple in China: The Capture of the World's Greatest Company", by Patrick McGee: https://www.simonandschuster.ca/books/Apple-in-China/Patrick-McGee/9781668053379 // Interview recording Date: July 2, 2025 // Energy Security Cubed is part of the CGAI Podcast Network. Follow the Canadian Global Affairs Institute on Facebook, Twitter (@CAGlobalAffairs), or on LinkedIn. Head over to our website at www.cgai.ca for more commentary. // Produced by Joe Calnan. Music credits to Drew Phillips.

Our Daily Bread Podcast | Our Daily Bread

In 2011, Karey Packard and her daughter were packing boxes for a move to a new home. Suddenly, Karey collapsed, and her heart stopped—the beginning of a long nightmare. Doctors revived Karey, but her condition worsened through the night. Her husband, Craig, was told to call family to say final goodbyes. They prayed what Craig called, “a prayer of desperation.” How often have we prayed a prayer of desperation in a crisis? Mary and Martha did. They sent a desperate message to Jesus: their brother Lazarus, “the one you love,” was gravely ill (John 11:3). When Jesus finally arrived, Lazarus had been dead for four days. Martha, in anguish, said to Jesus: “If you had been here, my brother would not have died” (v. 11:21). She knew Jesus could heal sick people but could not imagine His power to overcome death. Jesus, of course, raised Lazarus, a foreshadowing of His own resurrection weeks later. Karey Packard had officially flatlined, yet miraculously God brought her back to life. In the stories of both Karey and Lazarus it’s easy to miss the point: God has purposes that we don’t know. He neither heals everyone nor brings all dead people back to life. But He gives us a transcending assurance: “I am the resurrection and the life. The one who believes in me will live, even though they die” (v. 25). As believers, whatever happens, we know we’ll be with Jesus. Maybe that makes our desperate prayers a little less desperate.

Hub Dialogues
How Canada can catch up in the race towards AI adoption

Hub Dialogues

Play Episode Listen Later Jul 8, 2025 37:39


John Stackhouse, senior vice president at RBC, Janice Stein, the founding director of the University of Toronto's Munk School of Global Affairs and Public Policy and Jaxson Khan, the CEO of Aperture AI, discuss their latest report titled, 'Bridging the Imagination Gap: How Canadian companies can become global leaders in AI adoption.' In particular, the three authors tackle Canada's current lag in adoption, the role of public policy to support its use in different parts of the economy, and how to measure success over the coming years. This podcast was made possible by RBC and the generosity of listeners like you. Donate today. Hub Dialogues features The Hub's editor-at-large, Sean Speer, in conversation with leading entrepreneurs, policymakers, scholars, and thinkers on the issues and challenges that will shape Canada's future at home and abroad. If you like what you are hearing on Hub Dialogues, consider subscribing to The Hub's free weekly email newsletter featuring our insights and analysis on key public policy issues. Sign up here: https://thehub.ca/join/.   CREDITS: Alisha Rao - Producer & Sound Editor Sean Speer - Host

Our Daily Bread Podcast | Our Daily Bread

In her early years as a Christian author, Gayle often received winsome gifts from her publisher. Bouquets of flowers, chocolates, boxes of herbal teas. All lovely. But over time, her publisher began to send gifts with lasting value. A one-year Bible, devotionals, and prayer journals. As she used them, Gayle became a more mature believer—less distracted by frilly gifts and more committed to using her life to lead others to Christ. This approach recalls Timothy’s growth under the mentoring of the apostle Paul.. Stressing spiritual maturity, Paul advised, “Do your best to present yourself to God as one approved, a worker who does not need to be ashamed and who correctly handles the word of truth” (2 Timothy 2:15). Then Paul added, “Avoid godless chatter, because those who indulge in it will become more and more ungodly” (v. 16). He added, “Flee the evil desires of youth . . . don’t have anything to do with foolish and stupid arguments . . . the Lord’s servant must not be quarrelsome but must be kind to everyone, able to teach, not resentful” (vv. 22-24). Paul’s wise advice offers believers one other key benefit. Even opponents of Christ, when they see our mature choices in Him, “come to their senses and escape from the trap of the devil” (v. 26). So “growing up” in God has eternal outcomes beyond ourselves. Let’s not wait, therefore, to grow up in our faith. Others will benefit as well.

Tuesdays with Morrisey
Vibes and the Future of Marketing with Adbloom Founder and CEO Andrew Abony

Tuesdays with Morrisey

Play Episode Listen Later Jul 7, 2025 49:59


Affiliate marketing is shedding its outdated reputation and entering a new era—one centered on authenticity, emotional resonance, and genuine human connection. In fact, during the 2024 U.S. Cyber Monday, influencers and affiliate marketers were responsible for driving around 20% of e-commerce revenue, highlighting just how influential trust-based recommendations have become. At the center of that shift is “vibe marketing,” a new way of thinking about how brands and creators grow together.So, what does it really mean to “get the vibe right”? And how are creators and brands redefining influence?In this episode of Tuesdays with Morrisey, host Adam Morrisey speaks with Andrew Abony, founder and CEO of Adbloom, about how affiliate marketing is evolving into something bigger—what Andrew calls vibe marketing. Andrew's background spans traditional media, early-stage startups, and the modern creator economy, and he's on a mission to help people earn a living by being themselves.The duo talk about what it really means to “get the vibe right,” how brands are losing control (in a good way), and why authenticity is the most valuable currency in marketing today.Key takeaways from the episode…Affiliate = Authentic referrals at scaleAndrew reframes affiliate marketing as a simple idea: people sharing products they actually use and love—and getting paid for it.Vibes > ViralityBrands win when their values, products, and partners align emotionally. When that alignment is off, people feel it and tune out.Execution over everythingThere are lots of good ideas out there. The ones that win are the ones that get shipped. No matter how scrappy the start.Let go of controlThe best-performing content often comes from creators, not corporate. Smart brands are leaning into co-creation, not just dictating the narrative.The new frontier is human + AICreators are using AI to scale their voice. Not to replace themselves, but to extend what they can do across platforms.The episode also covers…The story behind Adbloom's startThe origin of affiliate marketingStanley mugs and vibe-driven growthWhy B2B is starting to look more like D2CCreating community as a byproduct of doing something specialRunning, raison d'être, and what happens when you have the will and support to winAndrew Abony is the CEO and co-founder of Adbloom, a high-growth affiliate and partnership marketing agency that helps startups and enterprise clients scale through creator-driven content and performance marketing. With over 15 years of experience in growth strategy, digital product innovation, and mobile marketing, he has led initiatives at companies like Mood Media and Somerset Entertainment, where he launched award-winning products and forged key partnerships. His clients have included major brands like Uber, Buzzfeed, RBC, and ByteDance, and his work spans the gig economy, fintech, edtech, and D2C sectors.

Our Daily Bread Podcast | Our Daily Bread

In 1890, amateur ornithologist Eugene Schieffelin decided to release sixty European starlings into New York City’s Central Park. While there were likely several introductions of the species, Schieffelin’s released starlings resulted in the first successful documented nesting. Now there are roughly eighty-five million of the birds flapping across the continent. Unfortunately, starlings are invasive, pushing out native bird populations, spreading disease to cattle, and causing an estimated $800 million annually in damage. Schieffelin couldn’t have imagined the damage his choice would cause. Choices can have massive consequences. Though warned, Adam and Eve couldn’t have envisioned the disastrous ramifications of their choice on all creation. God had told them they were “free to eat from any tree in the garden” (Genesis 2:16), save one, the tree in “the middle of the garden” (3:3). But deceived by that wily serpent, “[Eve] took some and ate it” (v. 6). Then Adam followed, also choosing to eat the fruit God forbade. So much destruction, heartbreak, and ruin because of one choice. Every time we ignore God’s wisdom and choose another path, we invite calamity. It may seem that our choice is insignificant or only affects us; however, our narrow understanding or fleeting desires can easily lead us into a world of trouble. Choosing God’s way, though, leads us to life and flourishing.

Our Daily Bread Podcast | Our Daily Bread

My grandmother had a routine on Saturday nights. Before she went to bed, she laid out all her clothing including the shoes she planned to wear to church the next morning. She always attended the early service and wanted to be ready to get up and go the next morning without any delay. One Saturday night she was suddenly hospitalized. Later, Jesus called her name and she died. When my grandfather returned home from the hospital, he found her clothes laid out. She’d been prepared to go to church as well as to meet her God. My grandmother’s ritual reminds me of the wisdom of the bridesmaids in the parable in Matthew 25. In the story, Christ tells His disciples to be ready for His coming: “Keep watch,” He said. No one knows “the day or the hour” He’ll return (v. 13), so it’s wise for us to be prepared. If we wait until the last minute to prepare, we could be like “the foolish ones” (v. 3). They ran out of oil because they hadn’t prepared well, and just after they left their posts to refill their lamps with oil, the bridegroom came. We may not need to lay out our clothes like my grandmother, but her ritual demonstrated her desire to be ready for church as well as for her Savior. May we use her wisdom to be ready for the most important things in life, serving Jesus as He leads us and being ready for His return.

The Vancouver Life Real Estate Podcast
JULY 2025 Vancouver Real Estate Market Update - How Unaffordable?!

The Vancouver Life Real Estate Podcast

Play Episode Listen Later Jul 5, 2025 21:46


In this week's Vancouver real estate update, we dive into the latest data and indicators painting a complex picture of the market. We start with the Housing Affordability Index, a measure of median household income against mortgage payments, taxes, and utilities. According to this index, Canadian homes have never actually been considered affordable—not once in the last 40 years. The most affordable period came in the late 1990s, when the metric dipped to 34%, just shy of the “ideal” target of 33%. Today, affordability sits at 55%. While that's a meaningful improvement from the record high of 63.5% in Q4 2023, it still remains well above the threshold of sustainable home ownership.Interestingly, Canadian affordability is now at the same level it was in 1990—just before a decade-long improvement in affordability followed. Whether or not that trend repeats remains to be seen. RBC's latest forecast doesn't think so. They project affordability will bottom later this year around 52%, then begin worsening again in 2026.On the inflation front, May CPI came in at 1.7%, unchanged from April. This marks the 18th consecutive month within the Bank of Canada's 1–3% target range. Core inflation registered at 2.9%, the upper end of the band but still acceptable. Mortgage interest costs remain a key driver, adding 0.4% to the CPI. It's important to note that most other countries exclude mortgage interest from their inflation basket. Without it, Canada's inflation would have been closer to 1.3%. Rented accommodations contributed 0.3%, but StatsCan's data appears to lag. While they report rents up 4.3% annually, Rentals.ca shows a 3.3% decline in the last year. Turning to interest rate expectations: markets are only pricing in a 30% chance of a rate cut at the July 30th Bank of Canada meeting. And as of now, there is just one more rate cut expected for the remainder of 2025. That outlook has cooled considerably, given earlier projections of more aggressive easing.Now to the July 2025 housing stats. Total home sales in Greater Vancouver hit 2,186 units in June, down 9.5% from last year and a staggering 26% below the 10-year average. It was the second slowest June on record—worse than the Global Financial Crisis and COVID shutdowns. This follows what was already the slowest May on record. The spring market never materialized, and current indicators suggest a muted summer and fall ahead.New listings reached 6,301 in June, up 10% year-over-year but down 5% from May. Inventory sits at 16,852 active listings, down 1% month-over-month but still 19% higher than a year ago and 44% above the 10-year average. At the time of reporting, inventory has climbed to over 18,200 active listings. The Sales-to-Active-Listings ratio remains at 13%—signaling a balanced market—for the 13th straight month. Detached homes are at 10%, townhomes at 17%, and condos at 14%.Prices continue to slide. The Home Price Index (HPI) dropped for the third straight month in 2025, down 0.3% month-over-month to $1,173,100. That puts prices 2.8% lower than one year ago. The median price stayed flat at $985,000, but remains up $70,000 year-to-date. The average price rose $9,000 to $1,275,000, its highest point in 2025, and up $68,000 YTD.The Vancouver housing market remains stable but sluggish and perhaps increasingly so. Affordability is slowly improving but remains historically poor _________________________________ Contact Us To Book Your Private Consultation:

Our Daily Bread Podcast | Our Daily Bread

Michael Sparks walked into a thrift store and bought a souvenir copy of the US Declaration of Independence for $2.48. Later, as he looked closely at his parchment copy, he felt there was something unusual about it. So he had it assessed by experts, who told him it was one of now thirty-six remaining copies of two hundred commissioned by John Quincy Adams in 1820. Sparks then sold his rare copy of the Declaration for $477,650! While the acquisition of this treasure for such a small price is astounding, there’s a treasure that’s infinitely better. As a child, I found out about a priceless, matchless, and eternal treasure that didn’t cost me a cent. But I didn’t find it at a thrift store. My parents revealed to me that a man named Jesus had purchased this gift by giving His life on the cross as a sacrifice for my sins. They then told me this gift was called salvation. It promised the treasure of an abundant “life to the full” on earth (John 10:10) and an “eternal life . . . life in [God’s] Son” with Jesus (1 John 5:11-12). I accepted that gift by faith. It's amazing to find an earthly treasure at low cost, but that can’t compare with the eternal treasure Christ offers at no cost. This treasure offered to each person is received as we “believe in name of the Son of God”—Jesus (v. 13).

Our Daily Bread Podcast | Our Daily Bread

With the referee’s final gesture, wrestler Kennedy Blades became a 2024 Olympian. She pressed her palms together, lifted her hands and eyes to the heavens, and gave God glory. A reporter asked about her growth over the past three years. The elite athlete didn’t even mention her physical training. “I’ve just gotten super close to Jesus,” she said. Professing Christ as King, she proclaimed that He’s coming again and encouraged others to believe in Him. “It’s Him,” she said. “That’s the main reason why I was able to accomplish such a big thing.” In other interviews, she faithfully declared that Jesus is everything to her and the reason for everything good in her life. This passion for living a God-centered life reflects David’s confessions in Psalm 63. Acknowledging his desperation for his creator, he said, “I thirst for you, my whole being longs for you” (v. 1). David had “seen” God and “beheld” His “power” and “glory” (v. 2). He declared God’s steadfast love as “better than life” (v. 3). Then, he prayed: “Because you are my help, I sing in the shadow of your wings. I cling to you; your right hand upholds me” (vv. 7-8). God was clearly everything to David. Our lives can be beacons that point others to a life-saving relationship with God when Jesus becomes our reason, our everything.

Chatter that Matters
Diane Dupuy - This Show Must Go On

Chatter that Matters

Play Episode Listen Later Jul 3, 2025 44:42 Transcription Available


I try not to play favourites, but this week's guest may be the most extraordinary human I've ever interviewed. Diane Dupuy is the founder of Famous PEOPLE Players, a Black Light theatre company where the performers are individuals with physical and developmental disabilities. On stage, they become invisible, allowing life-sized puppets to dance, dazzle, and delight the audience. Offstage, they find purpose, dignity, and a chance to be part of something magical. In this profoundly moving episode, Diane shares how she turned her childhood trauma, learning challenges, and rejection by society into a purpose-driven life. Famous PEOPLE Players is her ever-burning flame of inclusion, artistry, and belief in human potential. From being discovered by Liberace—who invited the troupe to open for him in Las Vegas—to receiving support from Paul Newman, Senator Ted Kennedy, and even a standing ovation from Phil Collins, Diane's journey is one of sheer will and unstoppable passion. No funding? She finds a way. Border blocks? She calls the White House. Criticism? She answers with applause. But today, this company which has changed so many lives is fighting to keep its lights on. With no government funding, they rely solely on ticket sales, donations, and sponsorships. If this episode moves you—and it will—share it. And if you can, support the show that refuses to stop, because for Diane Dupuy and her PLAYERS, the show must go on. And please stay to hear what Andrea Barrack, from RBC, has to say about the role that organizations can play in creating a better world.   Visit famouspeopleplayers.com. Help keep the curtain up. RBC: Purpose Framework:  https://www.rbc.com/our-impact/_assets-custom/pdf/esg-report-2023-en-placemat.pdf      

Our Daily Bread Podcast | Our Daily Bread

Living in a coastal town, Valerie loved warm weather, wildlife photography, and being in the water. Above all, she loved watching the sunrise over the ocean. Every morning, she woke up before dawn to catch a view of the water. Val estimated that despite cloudy weather or travel, she still managed to see more than 300 waterfront sunrises each year. She never tired of watching them. In her eyes, the sunrise held a glory she didn’t want to miss. In Exodus, we read about Moses’ radiant face, literally reflecting his glorious encounter with the Lord (Exodus 34). Paul said that since Jesus came, there is an even more glorious ministry than what Moses experienced (2 Corinthians 3:7). It is the ministry of the Spirit, which brings righteousness (v. 9). God’s plan of salvation has permanent glory, surpassing anything that came before (v. 10), and we get to participate in it. Paul said, “We all, who with unveiled faces contemplate the Lord’s glory, are being transformed into His image with ever-increasing glory” (v. 18). That ever-increasing glory is not dependent on how well we perform, but on the Holy Spirit. We, like the clouds at sunrise, just reflect a little more and a little better each day the glorious work that He is doing.

Our Daily Bread Podcast | Our Daily Bread

“I don’t know where I’d be today if my mom hadn’t prayed for me. I don’t think I’d even be alive,” my friend Rahim related. He was a former addict who’d spent time in prison for drug distribution. Over coffee one day, he shared the difference his mother’s prayers had made in his life. “Even when I disappointed her so badly, she kept loving me with her prayers. I was in a lot of trouble, but if she hadn’t prayed for me, I know it would have been worse.” The Old Testament account of Samuel tells another story of someone who showed faithfulness to God and others through prayer. On the day Saul was coronated as king at Mizpah, the prophet Samuel was also disappointed. The people had placed their faith and hope for their future in a monarchy instead of in God. As the people gathered, God displayed His displeasure through an unseasonable storm that terrified them and made them regret their decision (1 Samuel 12:16-18). When they pleaded with Samuel to intercede for them, he replied, “Far be it from me that I should sin against the Lord by failing to pray for you” (v. 23). Samuel’s response reminds us that praying for others is a way of keeping God first in our hearts and lives. When we love others by praying for them, we open the door to witness what only He can do. And we never want to miss that.

Core EM Podcast
Episode 211: Granulomatosis with Polyangiitis

Core EM Podcast

Play Episode Listen Later Jul 1, 2025


Granulomatosis with Polyangiitis (GPA) – Recognition and Management in the ED Hosts: Phoebe Draper, MD Brian Gilberti, MD https://media.blubrry.com/coreem/content.blubrry.com/coreem/GPA.mp3 Download Leave a Comment Tags: Rheumatology Show Notes Background A vasculitis affecting small blood vessels causing inflammation and necrosis Affects upper respiratory tract (sinusitis, otitis media, saddle nose deformity), lungs (nodules, alveolar hemorrhage), and kidneys (rapidly progressive glomerulonephritis) Can lead to multi-organ failure, pulmonary hemorrhage, renal failure Red Flag Symptoms: Chronic sinus symptoms Hemoptysis (especially bright red blood) New pulmonary complaints Renal dysfunction Constitutional symptoms (fatigue, weight loss, fever) Workup in the ED: CBC, CMP for anemia and AKI Urinalysis with microscopy (hematuria, RBC casts) Chest imaging (CXR or CT for nodules, cavitary lesions) ANCA testing (not immediately available but important diagnostically) Management: Stable patients: Outpatient workup, urgent rheumatology consult, prednisone 1 mg/kg/day Unstable patients: High-dose IV steroids (methylprednisolone 1 g daily x3 days), consider plasma exchange, cyclophosphamide or rituximab initiation, ICU admission Conditions that Mimic GPA: Goodpasture syndrome (anti-GBM antibodies) TB, fungal infections Lung malignancy Other vasculitides (EGPA, MPA, lupus)

Our Daily Bread Podcast | Our Daily Bread

My friend confided that he hadn’t been sleeping well. His sleeplessness was related to a difficult family situation that had kept him up at night. It happened that this was the day I was prepared to discuss Psalm 3 in my adult Sunday school class. In Psalm 3, King David also had a family problem, one that would lead most of us to sleeplessness. His son Absalom was undermining David’s rule over Israel as part of his plan to overthrow him and snatch the crown himself. David was in despair. He fled Jerusalem after a messenger said, “the hearts of the people of Israel are with Absalom” (2 Samuel 15:13). In Psalm 3:1, David describes his situation: “Lord, how many are my foes!” But notice how David found peace. He recalled that God was his shield of protection and that He “lifts [his] head” (v. 3). Then came the help we all need when we fret over our circumstances: David was able to “lie down and sleep.” He observed, “I wake again, because the Lord sustains me” (v. 5). For my friend facing a tough time, this was great news. And for all of us who face hard circumstances and sleepless nights, our God protects us and gives us rest. When we place our total trust in Him, He helps us “lie down and sleep” (v. 5).

WALL STREET COLADA
Wall Street Sube con Récords, Bancos Aprueban Test de Estrés y Palantir Lanza Alianza Federal

WALL STREET COLADA

Play Episode Listen Later Jun 30, 2025 4:48


Notas del Show: • Wall Street avanza tras semana histórica: Futuros al alza: $SPX +0.4%, $US100 +0.6%, $INDU +0.6%. El S&P 500 y el Nasdaq cerraron el viernes en nuevos máximos. Se activaron acuerdos comerciales con Reino Unido y China, mientras EE.UU. busca sellar pactos con otros diez socios. El mercado también observa la reforma fiscal y el plazo del 9 de julio para nuevas tarifas. • Bancos superan test de estrés de la Fed: Las 22 principales entidades financieras demostraron fortaleza de capital incluso bajo escenarios severos. Esto permite dividendos y recompras por varios Billones. $WFC +2%, $BAC +1%, y ganancias moderadas para $JPM, $C y $MS. RBC calificó los resultados como “reconfortantes”. • Disney repunta por upgrade de Jefferies: $DIS sube tras recibir recomendación de compra, destacando resiliencia en parques, proyección positiva en cruceros para 2026 y expansión de márgenes en streaming. Jefferies elevó el precio objetivo de $100 a $144, citando impulso en reservas y fuerte calendario de contenidos. • Palantir y Accenture lanzan alianza federal de IA: $PLTR seleccionó a $ACN como socio preferente para implementar soluciones IA en agencias gubernamentales. Entrenarán a 1,000 profesionales para desarrollar sistemas de automatización y análisis financiero avanzados. Un inicio de semana con impulso alcista, catalizadores fiscales y una mirada a la transformación digital del sector público. ¡Imperdible!

Our Daily Bread Podcast | Our Daily Bread

During a family reunion many years ago, my mother shared some words she’d written. She honored her grandmother, a woman I’d never met but had heard her spoken of often. Mom wrote that she recalled Mama Susan getting up “before dawn” and praying over her household. What a distinct memory that impacted my mother’s life—one I cling to even today although I never met my great-grandmother. This description reminds me of the woman described in Proverbs 31. She cared for her family in many tangible ways, and she got up “while it [was] still night” (v. 15). She had plenty to do to care for her family, such as providing food, purchasing land, planting a vineyard, making profitable trades, sewing clothes, and finishing many other tasks—all in the name of caring for the ones she loved. And she even extended her resourcefulness to “the poor and . . . the needy” (v. 20). Helping to care for a household during the time of the writing of Proverbs 31 was no easy feat, as demonstrated from the long list of duties described in this passage. And it wasn’t an easy feat for my great-grandmother, who was born in the 1800s. But prayers whispered early in the morning—as well as throughout the day—kept these women focused and encouraged as God helped them live out their calling to care for their family and others.

Our Daily Bread Podcast | Our Daily Bread

Manuel was late for church and stuck at a red light. As he waited impatiently, his daughter noticed a stranded driver trying to fix a tire. “Daddy, you’re good at changing tires,” she said. “You should help her.” Manuel was now going to be very late, but he knew this was a divine appointment. He stopped to help, even inviting the other driver to church. Paul and Silas faced an interruption in Acts 16. They’d encountered a slave girl with an evil spirit who kept shouting (v. 17). For several days Paul ignored her. Finally, he became too annoyed and said to the demon, “In the name of Jesus Christ I command you to come out of her” (v. 18). Paul had made a conscious choice to serve others even when it was inconvenient. When he freed the girl, it only became more complicated. Her owners lost the means to make money from her (v. 19). Paul and Silas were seized and dragged “into the marketplace to face the authorities” (v. 19), beaten, and thrown into prison without a trial (vv. 22-24). Serving Jesus comes at a cost. Jesus told His disciples they were to take up their cross and follow Him (Matthew 10:38). This is the way of Jesus: we’ll be interrupted and sometimes suffer, like our Savior. He invites us to accept those unexpected interruptions. How will you respond when they come?

Our Daily Bread Podcast | Our Daily Bread

“It’s the little foxes that spoil the vine,” my grandmother used to say. Then my mom repeated the same thing. And now I say it to my own children. But what does it mean to beware of “the little foxes”? After planting grapevines, it can take several years before they bear fruit. The vines require a lot of patience, care, watering, pruning, and protection. Foxes—even though small—can cause major damage by destroying the roots, eating the grapes, or chewing the stalk. In the poetic love story of the Song of Songs, Solomon warns, “Catch for us the foxes, the little foxes that ruin the vineyards” (2:15). Some scholars believe this refers to seemingly small problems or behaviors that could threaten the young man and woman’s relationship if left unchecked. This warning also holds instruction for our spiritual journey. Little things like bitterness (Hebrews 12:15), “unwholesome talk” (Ephesians 4:29), or even harmful influence from others (1 Corinthians 15:33) can slip into our lives and hardly be noticed. My grandmother understood that little things can cause great harm, and her wisdom spoke volumes to her grandchildren. As we spend time in prayer and reading the Scriptures, the Spirit will help us avoid the “little foxes”—the temptations or habits that might spoil our relationship with others and our walk with Christ.

Our Daily Bread Podcast | Our Daily Bread

“May we invite you to be the main speaker in our nationwide church leadership conference?” After Jose read the invitation from the renowned organization, he replied, “Please let me pray about it first.” Later, when he turned down the offer, he told a friend, “I knew God was calling me to editorial work on a mission’s project, and the speaking engagement would take time and energy away from that. I said no so I can do what God wants me to do.” What God wants me to do─that was Jose’s priority, determining his decision. Jesus also made God’s purpose His priority. The morning after healing many in Capernaum who were sick and demon-possessed, Jesus went to a solitary place to pray (Mark 1:32-35). The disciples came, saying, “Everyone is looking for you!” (v. 37). Some of those seeking Him were likely requesting healing. Jesus, however, didn’t allow urgency or His sudden popularity to determine what He’d do next. “Let us go . . . to the nearby villages,” He said, “so I can preach there also. That is why I have come” (v. 38). Jesus followed His priority—a ministry that covered the rest of Galilee, and one that included preaching (v. 38). How may we know God’s purpose for us? We can approach Him in prayer, be led by His Word and seek counsel from people who uphold His ways. Let’s spend our life doing what God wants us to do.

Our Daily Bread Podcast | Our Daily Bread

Hundreds of guests filled a golden ballroom to celebrate a nonprofit’s fiftieth anniversary and honor those who made it possible, especially those who had been involved for decades. A founding member shared with gratitude how, despite thousands of volunteer hours and millions of dollars in grants, they would not have succeeded without God. He repeated that the organization had blossomed not because of human effort—although there was plenty of that, too—but because God had provided for them. Daniel understood the importance of ascribing good gifts to God. When King Nebuchadnezzar received a dream of the future, he called for all the wise men of Babylon to retell his dream and then interpret it. Dismayed, they protested that no one on earth could do what the king asked; it would require a supernatural power (Daniel 2:10-11). Daniel agreed, “No wise man, enchanter, magician or diviner can explain to the king the mystery he has asked about, but there is a God in heaven who reveals mysteries” (vv. 27-28). In faith, he asked God to reveal the dream to him. When his prayer was answered, Daniel was humble and quick to attribute the interpretation to his great God, not his own wisdom (vv. 45, 30). It’s right to celebrate accomplishments, but at the same time we should give glory to God. The praiseworthy things in our lives can ultimately be traced back to Him.

Chatter that Matters
Dapo Bankole - From Barriers to Bridges

Chatter that Matters

Play Episode Listen Later Jun 25, 2025 31:53 Transcription Available


What happens when a lifelong dream clashes with a tough new reality? This episode follows the compelling journey of Dapo Bankole, who left everything behind in Nigeria to create a brighter future for his family in Canada. But what awaited him wasn't a red carpet—it was a steep climb of survival jobs, diminishing savings, and the gradual loss of self-worth. Through honest storytelling and deep reflection, Dapo shares how mentorship, microloans, and community support not only rebuilt his life but also inspired him to build bridges for others. His transformation from a struggling newcomer to founder of The Immigrant Life serves as a powerful reminder of what's possible when we stop wasting talent and start investing in human potential. Joining the conversation is Andrea Barrack, Senior Vice President of Sustainability and Impact at RBC, who explains why RBC is supporting Windmill Microlending—a groundbreaking organization helping thousands of skilled newcomers reclaim their careers, dignity, and dreams. A beautiful story of dreaming, doing and doing for others awaits.  

Our Daily Bread Podcast | Our Daily Bread

Beneath the rugged cliffs of Brora, Scotland, a sheep needed rescue. Trapped in a valley surrounded by steep and unyielding rock on one side and the vast ocean on the other, the sheep had been on its own for two long years. Despite several rescue attempts, no one could reach her until a determined farmer named Cammy Wilson and three friends successfully executed a risky rescue mission. Three of the team carefully descended nearly 820 feet down the cliff to get her, using a winch and a lot of courage to lift her out of her predicament. The determined and sympathetic farmer and team reflect the compassion of our loving Father as depicted in Jeremiah 23:1-3. The prophet denounced Judah’s sinful leaders as shepherds who were “destroying and scattering the sheep of [God’s] pasture!” (v. 1). God declared through Jeremiah that—due to the ruthless way they treated His helpless people—He would “bestow punishment” on them (v. 2). He saw the plight of His scattered flock and was deeply concerned about them. Not only was God concerned but He also said He would lovingly regather His sheep (v. 3) from places of exile and bring them to a place of safety and abundance. When we feel lost, trapped, or isolated, our heavenly Father sees our plight and won’t leave us stranded. He actively seeks to rescue and restore us.

Our Daily Bread Podcast | Our Daily Bread

Watermelon vines had overtaken my garden. They snaked across the stone path, climbed the fence, and worst of all tried to choke my favorite vegetable plants. I knew the garden wouldn’t thrive unless I took action. So, one evening I went to work uncurling tendrils from stems and leaves. When the coils grew back, I kept removing them until the plants finally matured and produced plump tomatoes and shiny peppers. Sins like greed, lust, and hate can overtake our lives like the vines that tried to dominate my garden. Left untended, the seed of a wrong thought may develop until it controls our desires and actions. The Bible says it’s possible to be so consumed by a particular sin that we’re held back from growing spiritually. This is the “sin that so easily entangles us” (Hebrews 12:1). The writer of Hebrews encourages us to “throw off everything that hinders” so that we can “run with perseverance the race marked out for us” (vv. 1-2). To break free requires that we acknowledge we need help to handle the sin. This can be difficult if we’ve convinced ourselves and others that it’s not a serious issue. Once we sincerely admit the problem, Jesus welcomes our prayers of confession and forgives us immediately (1 John 1:9). He can show us how to change our life patterns and through the power of the Holy Spirit help us to overcome the bondage that prevents us from flourishing

Our Daily Bread Podcast | Our Daily Bread

Perched high on the climbing wall, Sarah could feel panic rising as her weakening fingers began losing grip on the handholds. Just how hard will I hit the ground? she wondered. But the instructor kept calling out assurances from below. As the “belayer” tethered to the other end of the rope tied to Sarah’s harness through a pulley, his weight would hold her if she fell. “I’m much heavier than you!” he yelled. “Just let go.” So she did—and simply swung away from the wall to dangle safely in the air. The incident gave Sarah a new perspective of the picture of God in Psalm 18:2: “The Lord is my rock, my fortress and my deliverer; my God is my rock . . . my stronghold.” Sarah observed, “God is so much heavier than all my problems. I can let go of my worries and fears, and He’ll catch me.” King David sang the words of Psalm 18 after God rescued him from “deep waters”—these were his “powerful enemy” looking to bring about his “day of . . . disaster” (vv. 16-18). Even if his troubles didn’t disappear, he knew he could trust his all-powerful Savior and that God was holding on to him tightly.

Our Daily Bread Podcast | Our Daily Bread

The 1957 war movie The Bridge on the River Kwai was so popular that fans flocked to Kanchanaburi in Thailand to look for the real-life iron bridge. They found the bridge, but it wasn’t on the Kwai—the movie got the river’s name wrong! Soon, however, that part of the Mae Klong River was renamed Kwae Yai (Kwai) so it would align with people’s expectations. Jesus never let the expectations of others cause Him to waver in His divine mission. People flocked to see Him because they heard of the signs and miracles He had performed (John 6:2). When they found Him and believed that He was the promised Messiah, they wanted Him as a military leader so He’d save them from Roman rule. John says, “Jesus, knowing that they intended to come and make him king by force, withdrew again to a mountain by himself” (v. 15). Despite the pressure to rescue people the way they wanted, Christ resolutely followed God’s plan to rescue them the way they needed to be rescued (Colossians 1:13)—not from earthly troubles but from the power of sin and death (Romans 8:2). Jesus’ unwavering will to provide what we need is why we can trust Him in all circumstances. When God’s ways don’t seem to align with our expectations, we can be assured that His plan is always better—because He doesn’t waver in His will to save us.

Our Daily Bread Podcast | Our Daily Bread

“AaaaAAAAHHHK!” my daughter shrieked. “DaaaaDDDYY! Get UP here!” I knew what was wrong: a moth. Every spring, an armada of these dusty insects migrates from the plains of Nebraska to the mountains of Colorado, where they summer. Each year, we brace for their arrival. This year had been especially bad. To humans, miller moths are unwanted pests that often fly right into your face. But to birds, well, it’s a feast. Doing a little research, I learned that the moths provide incredible nutrition for the region’s swallows. As annoying as they are, these moths are veritable moth “manna” for the birds. I don’t know if Israel had moth migrations in Jesus’ day. But Jesus took note of God’s provision for the birds there, saying in the Sermon on the Mount, “Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they?” (Matthew 6:26). So these days, I look at moths differently. Not as dirty pests, but as winged reminders of God’s provision for His creation—and as a living metaphor for His provision for me, too. If God provides so richly for the swallows, how much more does He care for me and for you?

Our Daily Bread Podcast | Our Daily Bread

Phillis Wheatley, the first published African American poet, used biblical themes to persuade believers in Jesus to abolish slavery. Born around 1753 in western Africa, Wheatley was sold to a slave trader at only seven years of age. Quicky distinguishing herself as a remarkable student, she finally secured her emancipation in 1773. In her poems and correspondence, Wheatley pressed her readers to embrace the Scriptural affirmation of the equality of all people. She wrote, “In every human Breast, God has implanted a Principle, which we call Love of Freedom; It is impatient of Oppression, and pants for Deliverance; and . . . the same Principle lives in us.” Equality before God is a truth emphasized by Paul when he wrote, “There is neither Jew nor Gentile, neither slave nor free, nor is there male and female, for you are all one in Christ” (Galatians 3:28). Because we’re “all children of God through faith” (v. 26), differences such as race, ethnicity, gender, or social status shouldn’t lead to discrimination in the church. Even as equal recipients of God’s love, we still struggle to live out this principle. But Scripture teaches that diverse peoples united through faith in Christ best reflects God’s heart and is His plan for life in eternity. That reality can help us to celebrate the diversity in our communities of faith now.

Our Daily Bread Podcast | Our Daily Bread

The statement on the wall of my bank declared that its corporate principles could be summed up in a single word: courtesy. And how refreshing it was to find courtesy in the teller who helped me with my transaction there! In a harsh and unkind world, to be driven by courtesy is a big idea. We find this concept in the apostle Paul’s letter to his friend Titus. He instructed Titus to remind his congregation “to speak evil of no one, to avoid quarreling, to be gentle, and to show perfect courtesy toward all people” (Titus 3:1–2 esv). This idea of courtesy is also rendered as “peaceable and considerate” (niv) or “showing every consideration” (nasb). How we treat others reveals whether we see them as image bearers of God or not. C. S. Lewis wrote of this in The Weight of Glory. “There are no ordinary people,” he said. “You have never talked to a mere mortal.” Lewis anticipated eternity, where we will either enjoy God’s presence or be banished from Him forever. So he reminded us, “It is immortals whom we joke with, work with, marry, snub and exploit—immortal horrors or everlasting splendors.” May we allow the Spirit to enable us to treat those around as what they truly are—image bearers of God.

Our Daily Bread Podcast | Our Daily Bread

Wendy was feeling a little left out. During lunch break, her boss had left chocolates on everyone’s desks—except hers. Puzzled, she lamented to a friend, “Why did he leave me out?” When asked, their boss explained: “Those chocolates are still good, but they’ve been around for some time. Wendy’s pregnant, so I just wanted to play it extra safe.” Then he laughed. “As for the rest of you . . . .” The little incident became a running joke in the office, but it got me thinking about how we sometimes misread God’s intentions because of our limited understanding and perception. We may even believe ourselves to be victims of unfair treatment, forgetting that God always has our best interests at heart. Always. Isaiah 55:8-9 reminds us that while we may not fully understand God’s thoughts and ways, we can be sure that they’re “higher than our ways” (v. 9). Ours are often influenced by selfish desires; His are perfect, compassionate, and righteous. So, even when things don’t look good for now, we can trust that God will provide what we truly need (vv.1-2), for He is loving and faithful to His own everlasting promise (v. 3). Let’s “call on him while he is near” (v. 6), knowing that He’ll never leave us.

Our Daily Bread Podcast | Our Daily Bread

When Neil Douglas boarded his flight to Ireland, he was met with quite a surprise. He discovered his seat was occupied by another passenger, so he began a conversation to sort out the discrepancy. When the passenger looked up to answer, Neil was face to face with his lookalike! Onlooking passengers laughed at the men’s resemblance while the two took a selfie. The coincidences didn’t end there: they ran into each other again when checking into the same hotel and a third time at a local pub. The next morning, they discovered their selfie had gone viral on social media due to their striking facial similarities. Bearing a resemblance to another human being is a surprise for those of us without a biological twin, but the Bible says we’ll begin to look more like God as we follow Him. In the Old Testament, Moses’ countenance was changed by his face-to-face encounter with God—so much so that “the Israelites could not look steadily at [his face] because of its glory” (2 Corinthians 3:18; see Exodus 34:33-35). Today, we see the glory of Jesus revealed in the Bible and through it “we . . . are being transformed into his image” (v. 18) by the Spirit. Though our physical appearance may not be changed in an observable way, our growing knowledge of and love for God results in an unmistakable transformation. When God “makes over” our hearts and minds, it’s visible to our fellow travelers in this journey of life.

Our Daily Bread Podcast | Our Daily Bread

The situation looked hopeless for Amy and Alan’s infant daughter Jem. Born with a condition called trisomy-18, she was expected to die within days or weeks. “There’s no point in treating her,” the doctor said coldly. But her mother said, “I have bigger dreams for her.” They took Jem home and loved her. And they prayed. Six years later, Jem needed surgery to remove a large tumor that had been found. Then—the same doctor walked in. “I know what you’re thinking,” he said, “but I’m asking you for a second chance.” He admitted he’d been wrong about Jem. “I’d like a chance at redemption,” he said. Amy and Alan might have said no. But they understood the power of God’s forgiveness. The Old Testament prophets often carried a message of God’s judgment. But woven throughout that message is the irrepressible theme of God’s love, forgiveness, and redemption. Isaiah pointed out Judah’s sins (44:6-20) but suddenly shifted focus. Speaking God’s words, he said, “Return to me, for I have redeemed you” (v. 22). God’s character wouldn’t permit Him to abandon His people. “I have made you,” He said, “I will not forget you” (v. 21). The conclusion: “Sing for joy, you heavens, for the Lord has done this . . . the Lord has redeemed Jacob” (v. 23). Jem’s surgery found no tumor. “A miracle!” said the doctor. The power of prayer. The power of our redeeming God.

Our Daily Bread Podcast | Our Daily Bread

Steve grabbed his chainsaw and headed out to the woods. That’s when he heard five-year-old August. “Wait for me, Dad! I want to come!” Grabbing his toy chainsaw, work gloves, and earmuffs, August followed Steve out the door. Steve set out a couple of logs for him a safe distance away. After ten minutes August was worn out. Cutting logs with a fake chainsaw is hard work! But he was happy to “help” his dad, and his dad was delighted to spend time with his son. Isn’t this how it is with our heavenly Father? We suppose we’re helping. “Wait for me, Dad! I need to get my chainsaw!” But our chainsaw is the least important thing about us. We’re not helping as much as we think. God cares far more about the first part, “Wait for me, Dad!” He doesn’t need our output. If you love His Son Jesus, God has adopted you into His family and given you His Spirit. “The Spirit you received does not make you slaves, so that you live in fear again; rather, the Spirit you received brought about your adoption to sonship” (v. 15). You’re not a servant who earns his place by hard work. You’re a child who is loved by your Father, no matter what. “See what great love the Father has lavished on us, that we should be called children of God!” (1 John 3:1). Our heavenly Father is delighted when we serve Him. But He doesn’t need us. He simply wants us.

Our Daily Bread Podcast | Our Daily Bread

On my walk to catch the train to work a few years ago, I saw a woman with a ferocious looking dog heading toward me. I grew up around pet dogs, so I’m usually not afraid of furry friends, but this one looked menacing. As the dog got closer, he barked at me. I tried to laugh it off. But then he lunged at me, so I screamed. Thankfully, the dog couldn’t harm me because he couldn’t reach me. His owner held on tightly to his leash. That scary encounter reminded me that as believers in Jesus, Satan is also “on a leash” but waiting to attack if we give him the opportunity. In 1 Peter, the apostle Peter warns us, “Your enemy the devil prowls around like a roaring lion looking for someone to devour” (v. 8). He growls and snarls and lunges at us to try to scare and intimidate us and to paralyze us with fear, but we can stand firm in our faith and resist him (v. 9). When you feel the enemy taunting or tempting you, remember this: he’s no match for Jesus. We can cry out to Him and He’ll help us. He “will himself restore you and make you strong, firm and steadfast” (v. 10). When we’re under spiritual attack, we can choose faith over fear because Jesus is always with us.

Our Daily Bread Podcast | Our Daily Bread

When soccer star Sadio Mané from Senegal was playing for Liverpool in the English Premier League, he was one of the world’s highest paid African players, making millions of dollars per year. Fans spotted a picture of Mané carrying an iPhone with a cracked screen and joked about him using the damaged device. His response was unflustered. "Why would I want ten Ferraris, twenty diamond watches, and two jet planes?” he asked. “I starved, I worked in the fields, played barefoot, and didn't go to school. Now I can help people. I prefer to build schools and give poor people food or clothing. . . . [Give] some of what life has given me." Mané knew how selfish it would be to hoard all his prosperity when so many of his neighbors back home struggled under crushing conditions. Hebrews reminds us that this generous way of life is for all of us, not only for those who are wealthy. “Do not forget to do good and to share with others,” Scripture says, “for with such sacrifices God is pleased” (13:16). Nurturing a generous heart isn’t only the right thing to do, but according to Hebrews, generosity also makes God smile. Who doesn’t want to make God pleased? Generosity isn’t defined simply by how much we give. Instead, generosity refers to the posture of our heart. One thing we can do that’s “pleasing to [God]” (v. 21) is to simply open our hands and share what we have.

Our Daily Bread Podcast | Our Daily Bread

Betty is ready. She began following Jesus as a teenager and has taken opportunities her whole life to serve and please Him. She attends Bible studies, worship services, and prayer meetings. She’s taught studies, visited mission fields, worked in the nursery, served alongside her pastor-husband, and she loves being with God’s people every chance she gets. And remarkably she’s 102 years old and is still ready to do whatever pleases God. She’s an inspiration to many who might not feel like gathering with other believers some days. Then they remember, Betty will be there. I certainly can get there! Betty now says she’s anxious to get to heaven to be with her Savior. She says, “I am ready to see Jesus; I love Him so.” The apostle Paul said he “would prefer to be away from the body and at home with the Lord” (2 Corinthians 5:8). But he knew God had work for him in encouraging believers in many churches (Philippians 1:23-24). So he kept serving and living “by faith” and “not by sight” (2 Corinthians 5:7). Paul remained ready and kept serving under God’s direction. Whatever our age and stage in life, let’s ask God to help us make it our heart’s goal “to please [Christ]” (v. 9) and stay ready. Betty is ready. And if someday she isn’t ready, it’s because she’s already seeing Jesus face-to-face.