Podcasts about california association

California's Homeowners Insurance is in Crisis Here's What You Need to Know In this episode of All Things Wildfire, OP Almaraz sits down with Robert Feldman, CEO of WOWS Insurance, to break down the skyrocketing premiums, shrinking coverage options, and the wildfire-driven shakeup hitting California's insurance market. Robert Feldman is an insurance professional with nearly 25 years of experience. Robert's specialty is insurance in fire zones and hard to place risks. As an industry professional, Robert has served as a speaker at the California Association of Realtors. Robert travels the state educating realtors about how to secure insurance for homes that are deemed uninsurable. Robert serves on many task forces and insurance panels, working directly with senior leadership of many insurance carriers to solve the state's current insurance crisis. To that end, Robert is the founder of WOWS Insurance Services, designed to deliver insurance solutions for large homes that struggle to secure insurance in California. OP and Robert dive into the WOWS Insurance program, a bold initiative aiming to transform how high-risk homes stay insured.  You'll learn: Why fire hardening is no longer optional The difference between admitted vs. non-admitted insurance What the California FAIR Plan doesn't cover The hidden power of realtors in keeping homes insurable Why neighbor collaboration and annual mitigation are now essential Whether you're a homeowner, broker, or real estate pro — this episode is your wake-up call.  Subscribe for more wildfire defense strategies and real estate risk insights. 

Shownotes The difference between secure attachment and secure functioning Why a deep desire for love is underneath all attachment styles How shared purpose in your relationship brings you closer Why you have to become a whisperer for your partner One of Dr. Tatkin's top ways to create safety for your partner The biggest mistake people make in modern dating Bio Dr. Stan Tatkin, PsyD, MFT is a clinician, author, researcher, PACT developer, co-founder of the PACT Institute and an assistant clinical professor at UCLA, David Geffen School of Medicine. He also teaches and supervises family medicine residents at Kaiser Permanente, Woodland Hills, CA. He maintains a private practice in Southern California and leads PACT programs in the US and internationally. Dr Tatkin is the author of In Each Other's Care, We Do, Wired for Love, Your Brain on Love, Relationship Rx, Wired for Dating, What Every Therapist Ought to Know, co-author of Love and War in Intimate Relationships and co-author of Baby Bomb. Dr. Tatkin received his early training in developmental self and object relations (Masterson Institute), Gestalt, psychodrama, and family systems theory. His private practice specialized for some time in treating adolescents and adults with personality disorders. More recently, his interests turned to psycho-neurobiological theories of human relationship and applying principles of early mother-infant attachment to adult romantic relationships. Dr. Tatkin was clinical director of Charter Hospital's intensive outpatient drug and alcohol program and is a former president of the California Association of Marriage and Family Therapists, Ventura County chapter.  He is a veteran member of Allan N. Schore's study group. He also trained in the Adult Attachment Interview by way of Mary Main and Erik Hesse's program through UC Berkeley. Timestamps 00:00:43 - Guest introduction 00:03:58 - The difference between secure attachment and secure functioning 00:06:00 - How to find compassion for an anxious or avoidant 00:09:59 - Sign up for Layla's newsletter at ⁠LaylaMartin.com⁠ 00:11:49 - Layla describes an avoidant's experience as a baby 00:13:19 - Why a deep desire for love is underneath all attachment styles 00:16:17 - Attachment isn't personality, it's memory 00:21:49 - Plan for your devils, not your angels 00:25:43 - How shared purpose in your relationship brings you closer 00:26:54 - Discover the ⁠VITA™ Sex, Love and Relationship Coaching Certification⁠  00:33:32 - Dr. Tatkin's advice for the moments you see your partner as an enemy 00:37:27 - Discover ⁠MOOD™ Sex Magic⁠ 00:38:20 - What do you secretly put in front of your relationship? 00:45:48 - Why you have to become a whisperer for your partner 00:46:53 - How to learn to take care of your partner's nervous system 00:49:14 - Fall in love with your body and unlock outrageous orgasms with ⁠Obliss⁠ 00:50:50 - One of Dr. Tatkin's top ways to create safety for your partner 00:54:05 - Why apologizing can subconsciously feel like weakness 00:57:11 - Dr. Tatkin explains the details of “The Couple Bubble” 01:00:34 - What Dr. Tatkin sees that the happiest long term couples do 01:03:50 - Insecures don't believe there's such a thing as fairness and justice 01:05:44 - The biggest mistake people make in modern dating 01:08:07 - Dr. Tatkin celebrates his wife and his relationship 01:11:55 - Secure functioning is very hard but it's worth it 01:12:00 - Conclusion

Welcome to the Environmental Leadership Chronicles podcast, a podcast series from the California Association of Environmental Professionals. In this episode, we are joined by John Dietler, Ph.D., Senior Vice President of Operations for the West at SWCA Environmental Consultants. John shares his career journey from starting as a field archaeologist to becoming a key leader in overseeing operations across ten Western states. With vast expertise in cultural resources and environmental compliance, John offers an insightful discussion on bridging technical work with business development. He also sheds light on SWCA's employee ownership model, emphasizing its impact on the company's growth and operation. Through engaging anecdotes, John explores navigating unique cultural landscapes in states like California, Hawaii, and Alaska, and the importance of understanding diverse Indigenous communities. This episode is a deep dive into the evolving landscape of environmental consulting, as John elaborates on how disciplines like archaeology can heavily influence and guide modern developmental practices while respecting the voices of native tribes. Whether you're an aspiring environmental professional or simply curious about bridging past and present landscapes, this episode is sure to captivate and inform.

Randy Asadoor, CEO of Keystone Packing, and Sabrina Thakkar, director of the California Association of Food Banks's Farm to Family program, share the unique partnership between their organizations and the ever-growing need for fresh produce at food banks.See omnystudio.com/listener for privacy information.

California Housing Market Update: Is Now the Time to Buy?In this episode, we dive into the recent trends in California's housing market, as reported by the California Association of Realtors. Despite a slight drop in home prices, the market remains competitive, with opportunities for buyers and sellers alike. Learn why now could be the perfect time to buy, and get tips on pricing strategies for selling your home. Plus, we spotlight some notable properties in Santa Clara County and discuss the financial realities of living in this high-cost region. Tune in for expert insights and advice on navigating the current real estate landscape.California home sales retreat for the second straight month in AprilHomebuyers need to make more than $400K in this Bay Area region to afford the 'typical' home, analysis findsREO of the Week Apple Homes for sale  Mountain View home of the week FREE HOME BUYER CHECKLIST HERE https://abitanogroup.com/HomebuyerchecklistHome Inspection CHECKLIST HERE https://abitanogroup.com/homeinspectionchecklist00:00 Introduction and Market Overview00:24 Current Buyer and Seller Dynamics02:14 California Housing Market Trends03:48 Income Requirements and Career Advice05:07 Featured Properties of the Week07:07 Market Statistics and Conclusion

In today's episode of The Edge of Excellence podcast, Matt is joined by Sharon Taylor, widely regarded as the greatest headmaster in the history of Southern California schools.During this insightful conversation, Matt and Sharon explore the intricate journey of leadership within a unique and impactful field. They explore how passion for education can evolve into higher leadership roles and the complexities that come with that transition. Through candid reflections, the conversation touches on the balance between nurturing personal connections and managing broader organizational responsibilities, offering a fresh perspective on what it means to lead effectively in a setting dedicated to growth and development.You'll learn about the importance of vision, mission, and values as the cornerstones of any successful endeavor. Sharon shares her experiences of shaping and refining a guiding philosophy that not only supports the internal culture but also helps navigate challenges and capitalize on opportunities for long-term sustainability.This episode offers valuable insights for anyone passionate about education, leadership, or making a tangible difference in the lives of others.Don't miss another episode of The Edge of Excellence podcast. Leave a review and subscribe todayWhat You Will Learn In This Show:Why the values of kindness and curiosity are essential components of excellence. Sharon's desire to become a teacher from a young age and her work ethic, such as working through high school and college.Her involvement in sorority leadership during college, which helped her develop her leadership skills. The importance of clarifying a school's mission, vision, and values to guide decision-making and hiring practices.The value of long-term sustainability and the role of the board of trustees in supporting the school's goals.And much more...Guest Bio:Sharon brings over 30 years of experience in education. She began her career as a grade one teacher in the Los Angeles Unified School District and then a grade two teacher in Washington State. She joined St. Mary's School in 1995. Sharon has served many roles at St. Mary's including classroom teacher, International Baccalaureate Coordinator (Middle Years and Primary Years Programmes), Dean of Academics (All School), Head of Lower School (K-5) and Head of School (All School) Sharon is currently serving as the Chief Advancement Officer , where she is leading the school through a major capital campaign to complete the master facilities plan for the campus. Sharon also serves on the Board of Trustees for St. Mary's. Sharon holds a Bachelor of Arts in Education from California State University, Northridge and a Master of Arts in Educational Administration from Concordia University in Irvine. She also holds a Multiple Subject Lifetime Credential from California State University, Northridge. Sharon is trained through The International Baccalaureate Organization and has attended and led workshops with IBO. She is an active member of the California Association of Independent Schools and has led multiple accreditations for the organization. Sharon serves on the following additional boards: Providence Hospital, Mission Viejo and RiseHyre.

On this week's show, host Craig Evans is back and he sits down with Jordan Levine, Senior Vice President and Chief Economist at the California Association of REALTORS®. They discuss California's 2025 housing market outlook, the impact of rising interest rates, and how affordability challenges are shaping buyer behavior. Jordan also highlights key trends, the importance of policy in addressing housing supply, and what investors should be watching in the months ahead.Jordan Levine is the SVP and Chief Economist at C.A.R., where he leads housing market research, economic analysis, and policy insights for over 190,000 real estate professionals. With a strong background in both public and private sectors, Jordan is known for translating complex data into practical insights. His work supports informed decisions across California's evolving real estate landscape.In this episode:Craig welcomes Jordan Levine, SVP & Chief Economist at  California Association of REALTORS® Impact of interest rates on sales and affordabilityCurrent housing market performance & key trendsAffordability index insights for buyers and investorsOngoing housing challenges and policy solutionsGrowth of ADUs and housing supply updatesWhat to expect next in California real estate The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

In this insightful episode, we tackle one of life's most consequential decisions: "Should I Have Kids?" with the help of our special guest, Ann Davidman—a seasoned marriage and family therapist from the San Francisco Bay Area. Together, we delve into the process of choosing or not choosing parenthood, and the role of financial readiness. Whether you're on the fence about starting a family or simply curious about the balance of emotional and financial preparedness, this episode offers valuable guidance to help you make a thoughtful, informed decision. Ann Davidman is a seasoned expert who has spent years working with others on this very topic. Ann earned her graduate degree from San Francisco State University. She's a member of the California Association of Marriage and Family Therapists (CAMFT) and maintains a successful private psychotherapy practice in the San Francisco Bay area. She's been featured in numerous publications, including Vox, The Washington Post, The New York Times, Fatherly, Refinery 29, Baby Center, ABC Australia, +Lifehacker, The Daily Mail, and more.  Have questions or comments? Reach out to us at askcreatingwealth@taberasset.com, and don't forget to subscribe and leave a review. Tune in now for an essential conversation that could shape your future. Resources: Ann Davidman's website Book - "Motherhood: Is it for Me?"  Connect with us on LinkedIn: Bill Taber and Anastasia Taber

Chrisina Mills, a leading advocate for the disability community, was recently appointed to serve as the Executive Director for the California Association of Area Agencies on Aging.  Christina, who was born with osteogenesis imperfecta (bones can easily break), has led a 25 year career in advocacy for the disabled community and looks forward to supporting older adults with initiatives that often align with both the aging and disability communities.

In this episode of the AgNet News Hour, hosts Lorrie Boyer and Nick Papagni discuss recent weather impacts on agriculture, including blizzards and hail in the Midwest and warm temperatures in California. Nick Hagany interviewed Mando Perez, President of the California Association of Pest Control Advisors (CAPCA), about citrus farming challenges. Perez highlighted the year-round pest management needs of citrus, the importance of advanced technology for frost control, and the differences between Central Valley and Southern California citrus farming. They also mentioned an upcoming citrus specialty Expo in Tampa, Florida, on August 20-21, 2023, for expert insights and networking opportunities. Nick Papagni and Lorrie Boyer discuss the fact that they Florida Legislature is considering a bill introduced by Sara Soto and Senator John Rutters to restrict the incorporation of vaccines into food products, aiming to modify the definition of a drug to include food. The bill's proponents argue it protects medical freedom and consumer transparency. The hosts debated the potential risks and benefits, with one speaker opposing the idea due to concerns about vaccine efficacy and consumer choice. Additionally, a study from the Journal of Nutrition, Metabolism, and Cardiovascular Diseases highlighted the health benefits of strawberries, particularly for older adults, emphasizing their role in cognitive function and cardiovascular health. In the final segment the hosts cover various agricultural and trade issues. They highlighted the ongoing trade war and its impact on export markets, noting the Trump administration's efforts to open new markets. They also discussed the reinstatement of USDA reports canceled due to budget cuts, which will provide crucial data for farmers and lenders. Additionally, they covered a $280 million grant from the USDA to Texas farmers affected by water delivery shortages due to Mexico's failure to meet its obligations under a 1944 treaty. The conversation also touched on the complexities of US-Mexico relations, including potential cooperation and the influence of cartels in Mexico.

Don Crutchfield has been a private investigator for three decades. His list clients and subjects reads like a Who's Who of Hollywood. Present and former clients include Marlon Brando, the Beatles, Judy Garland, Frank Sinatra, Charles Bronson, Jerry Lewis, and Carroll O'Connor. Subjects of his investigations include Michael Jackson, Lisa Marie Presley, Tim Allen, Donald and Marla Trump, Roseanne Barr, Tom Arnold, and O.J. Simpson.Crutchfield has an international reputation, but his primary base of operations has always been the Los Angeles area. He is regularly contacted as a prime source of information by such media outlets as The Los Angeles Times, Primetime Live and Hard Copy.Don Crutchfield's insights and opinions are often sought by print and electronic media journalists. He has been interviewed on Entertainment Tonight, Hard Copy, A Current Affair, CNN Newsnight and Inside Edition. P.I. Crutchfield has also been the subject of feature articles in The New York Post and The Los Angeles Times.Crutchfield is also a member of International Association of Chiefs of Police, American Society for Industrial Security (A.S.I.S.), California Association of Licensed Investigators (C.A.L.I.), Board of Directors for World Boxing Hall of Fame, member of Screen Actors Guild and AFTRA.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-opperman-report--1198501/support.

Welcome to a very special episode that is launching during the week of  ‘Podcasthon'; the world's largest podcast charity initiative, bringing together podcasters worldwide to raise awareness of local non-profits charitable causes. And what's more timely and relevant right now, than delving into a discussion of behavioral health with an organization that has been servicing its clients for over 55 years.  Founded in 1970, Buckelew Programs encompasses a combined 137 years of experience serving the North Bay, here in California. With programs in Marin, Sonoma, Lake and Mendocino Counties, Buckelew's mission is to promote recovery, resilience and Hope (something we're big on in this podcast) by providing behavioral health and support services that enhance quality of life through their 5 Core Programs: Counseling, Service Navigation, Substance Use Recovery, Supported Housing, and Suicide Prevention. Buckelew is tirelessly working to destigmatize the value of mental health, in the services they provide to foster healthy people and communities. Chris Kughn is Buckelew's CEO, and a Licensed Marriage and Family Therapist, and has served at the helm of Buckelew since May of 2019 He has more than 20  years of experience in the public, private and, nonprofit behavioral healthcare systems. Prior to Buckelew, Chris served in several executive management roles in Solano County and the Marin County Department of Health and Human Services, including Division Director of Adult and Older Adult Services. His passion and commitment to nonprofit behavioral health services began with his work serving adults, children, and families in juvenile justice, crisis stabilization and adult homeless systems. With a B.S. degree in Psychology from the University of Pittsburgh and an M.A. degree in Psychology from the California Institute of Integral Studies. He is a member of the California Association of Social Rehabilitation Agencies (CASRA). Chris tends to his own mental health through mountain biking, cycling, scuba diving, and a gift that I've had the pleasure of enjoying; a keen sense of humor. To contact Chris Kughn driectly: Business email Address: chrisk@buckelew.org Business website: Buckelew.org Buckelew's socials: instagram.com/buckelewprograms facebook.com/Buckelew.Programs linkedin.com/company/buckelew-programs   For more information about Buckelew's Bike + Hike 4 visit their event page: https://buckelew.org/bike4buckelew/ For more information on Podcasthon week: https://podcasthon.org/ If you enjoyed this episode, make sure to follow 19 Stories wherever you listen to your favorite podcasts. It would be greatly appreciated if you gave a nice review and shared this episode well :-) To give feedback or a story idea: 19stories@soundsatchelstudios.com To listen to my demos: https://www.cherylholling.com/ To contact me via VO work, or to host your podcast, I can be reached at: cheryl@cherylholling.com Follow me on Instagram: @cherylhollingvo Theme Song Credit:  'Together' by For King & Country Outro Music Sample (for this episode): 'Big Chief' by Professor Longhair and Earl King Proverbs 23:18 "Surely there is a future, and your Hope will not be cut off." Until next time, stay Healthy and Hopeful!

Send us a textSummary of the Interview: In this episode of the PIO podcast, Kevin Strauss, the communications manager for the Santa Clarita Valley Water Agency, discusses his journey from college athletics to public communication. He shares insights on the challenges faced in unifying communication strategies post-COVID, the importance of digital advertising, and the management of water resources amid drought conditions. Kevin emphasizes the significance of internal communication, the impact of AI on public perception, and the necessity of having a supportive team to effectively convey messages to the community. He concludes with personal insights and rapid-fire questions that reveal his values and beliefs in communication.Kevin's Bio - Kevin Strauss is the Communications Manager for the Santa Clarita Valley Water Agency (SCV Water) and is responsible for all internal and external Agency communications. Previously, Strauss spent six years as a Communications Specialist with the City of Santa Clarita. During his career, Strauss has produced several award-winning public relations campaigns and recently led SCV Water's brand relaunch initiative and crafted the Agency's first digital media strategy. For his work, he was named the 2024 Communicator of the Year by the California Association of Public Information Officials (CAPIO).When he was with the City of Santa Clarita, the Communications Division was named the 2020 Frank Potter Cowan Crisis Communications Leader by CAPIO for its response to the Tick Fire and Saugus High School shooting in 2019. Prior to joining the City of Santa Clarita, Strauss worked for six years in the Athletics Department at California State University, Northridge (CSUN), first as an intern then as Assistant Sports Information Director before being promoted to Assistant Athletic Director for Digital Marketing. Strauss earned his bachelor's degree in journalism with an emphasis in public relations from CSUN. He and his family reside in Santa Clarita.Kevin's EmailEye-Opening Moments PodcastEye-Opening Moments are stories of adversity, encounters, and perspectives. They are...Listen on: Apple Podcasts SpotifySupport the showOur premiere sponsor, Social News Desk, has an exclusive offer for PIO Podcast listeners. Head over to socialnewsdesk.com/pio to get three months free when a qualifying agency signs up.

Stop Wasting Your Time on Awareness Campaigns Curt and Katie chat about the limitations of performative awareness campaigns and the need for action-oriented advocacy. Inspired by the article Stop Raising Awareness Already by Ann Christiano and Annie Niemand, they critique viral campaigns like Kony 2012 and the CDC's zombie apocalypse campaign, highlighting the importance of targeting the right audiences, crafting compelling messages, and developing a theory of change.  Transcripts for this episode will be available at mtsgpodcast.com! In this podcast episode we talk about the limitations of awareness campaigns Curt and Katie talk about what to do instead of focusing precious time, energy, and resources on advocacy that is solely about awareness. We look at what has worked in the past and how to implement that now. Why Awareness Alone Isn't Enough Performative awareness (social media posts, profile filters) often doesn't lead to real change. Examples of failed awareness campaigns: Kony 2012: Viral but lacked sustainable action. CDC's zombie apocalypse: Popular but ineffective at promoting emergency preparedness. HPV vaccine campaign: Faced backlash due to misinterpretation of its message. Some awareness efforts even create harmful counter-movements (e.g., “All Lives Matter” in response to BLM). The Importance of Targeted Advocacy Broad awareness campaigns often miss key decision-makers—advocacy should focus on specific audiences. Examples of effective advocacy efforts: Lobbying for minors' rights to amend therapy records. Medicare reform efforts for mental health providers. California Association of Marriage and Family Therapists (CAMFT) educating legislators about MFTs. Developing a Theory of Change Advocacy needs clear goals and strategic planning. The story of Rosa Parks demonstrates effective timing and targeting in advocacy. Successful campaigns require repetition, patience, and clear calls to action. Practical Steps for Effective Advocacy: ·      Move beyond awareness—advocate for policy changes, funding, and direct action. ·      Target specific audiences (lawmakers, healthcare providers, educators). ·      Craft messages that resonate—ensure they lead to measurable change. ·      Develop a theory of change—plan advocacy efforts with long-term impact in mind. Stay in Touch with Curt, Katie, and the whole Therapy Reimagined #TherapyMovement: Our Linktree: https://linktr.ee/therapyreimagined Modern Therapist's Survival Guide Creative Credits: Voice Over by DW McCann https://www.facebook.com/McCannDW/ Music by Crystal Grooms Mangano https://groomsymusic.com/

This edWeb podcast is hosted by CAAASA, The California Association of African American Superintendents and Administrators. You can access the webinar recording here.Across the country, school leaders are facing many challenges and questions as they provide support for students, families, and educators impacted by the new immigration and deportation policies. What to do if immigration agents arrive at the school? How do they convince parents to continue to send their children to school when they are afraid to be separated?Listen to this edWeb podcast discussion with three California superintendents who are dealing with these issues in their districts: Dr. Adam Clark from Mt. Diablo, Dr. Darneika Watson from Glendale, and Dr. Antonio Shelton from Santa Monica-Malibu.This edWeb podcast is of particular interest to any educator dealing with these challenges.CAAASACAAASA, a group of ed leaders, advocates for policies addressing African-American student success.Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Learn more about viewing live edWeb presentations and on-demand recordings, earning CE certificates, and using accessibility features.

Welcome to the Environmental Leadership Chronicles, brought to you by the California Association of Environmental Professionals. In this episode, we're joined by Cynthia R. Harris, Director of the Institute for Environmental Sovereignty at the National Congress of American Indians. A respected leader in environmental law and tribal sovereignty, Cynthia brings deep expertise in climate adaptation, water conservation, and green infrastructure, all while advocating for tribal self-determination.  Before joining NCAI, she led tribal consultation research in California as Director of Tribal Programs at the Environmental Law Institute. With experience in local government, national policy, and leadership roles at the American Bar Association and the National Academies of Sciences, Cynthia offers a unique perspective on the intersection of tribal sovereignty and environmental policy.  At NCAI, the nation's oldest and largest American Indian and Alaska Native organization, she continues to advance tribal governance and environmental justice. Join us as we explore her insights on Indigenous leadership in environmental stewardship. Thanks for listening, we hope you enjoy! 

Send us a textIn this special episode of The Incubator Podcast, done in collaboration with the California Association of Neonatologists for the upcoming Cool Topics in Neonatology conference, Ben and Daphna welcome Dr. Robin Steinhorn, a leader in neonatal medicine, alongside Dr. Denise Suttner. Dr. Steinhorn, the keynote speaker for Cool Topics 2025, shares insights from her storied career, reflecting on the highs, lows, and lessons that have shaped her journey. From groundbreaking research in nitric oxide therapy to leadership in neonatology, she offers a candid discussion on navigating challenges, fostering collaboration, and embracing opportunities beyond predefined career paths.The conversation also delves into pressing issues in pediatrics, including workforce shortages in subspecialties, gender disparities in medicine, and innovative workplace policies supporting women and families in healthcare. Dr. Steinhorn's wisdom extends to mentorship, career adaptability, and the future of neonatal care.Additionally, Dr. Suttner provides an exciting preview of Cool Topics 2025, highlighting discussions on neonatal legal challenges, probiotic use, and emerging fentanyl-related neonatal conditions.Listeners can register for Cool Topics (March 5-7, 2025, in San Diego) using code INCUBATOR for a $50 discount. Tune in for an inspiring episode packed with leadership, innovation, and the future of neonatology! As always, feel free to send us questions, comments, or suggestions to our email: nicupodcast@gmail.com. You can also contact the show through Instagram or Twitter, @nicupodcast. Or contact Ben and Daphna directly via their Twitter profiles: @drnicu and @doctordaphnamd. The papers discussed in today's episode are listed and timestamped on the webpage linked below. Enjoy!

Send us a textOn the latest episode of The Get Ready Money Podcast, I spoke with Barry Fisher, CEO of Blaze 'n' Bear Insurance Services and host of the Protecting What Matters radio show about changing the way we think about money and protecting what matters.In this episode we discussed:Why long term care planning is an essential part of financial planning. How advisors can start to have conversations on long term care planning. Why long term care insurance is just part of the puzzle - it's a funding mechanism.The future of long term care insurance. How business valuations help with succession planning. Barry J. Fisher is the CEO of Blaze ‘n Bear Insurance Services, Inc. a firm dedicated to helping small and medium sized business owners achieve financial success by concentrating on matters pertaining to business continuation, succession and estate planning.  Blaze ‘n Bear's business valuation service is the centerpiece of its planning practice. In 1999 Barry co-founded the American Association for Long Term Care Insurance (“AALTCI”).  As AALTCi's first president, Barry helped create the Long-Term Care Professional (“LTCP”) designation.  He is also past-president of the California Association of Health Underwriters (2001) and Chairman of CAHU-PAC (2004-2006) where he helped raise over $1,000,000 for political advocacy. Barry has served on the California Department of Insurance (“CDI”) Curriculum Board and on various CDI workgroups pertaining to legislation and insurance agent education. He is also a Past Chairman of the ILTCI Conference and served on the Society of Actuaries Long-Term Think Tank. He has been a frequent contributor to industry publications on a wide range of insurance and legislative topics and is a sought-after speaker at industry events.Barry hosts a weekly 90-minute radio broadcast on KPRL (1230AM) called “Protecting What Matters”, and supports a number local & national charities and organizations dedicated to creating better communities.Connect with Barry Fisher:Website (here).LinkedIn (here).Radio Show:Protecting What Matters Radio Show (here).Mentioned on this episode:Investopedia: www.investopedia.comReal Clear Politics: Realclearpolitics.comPlanning for Long-Term Care survey findings (Lincoln)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

Have you ever been inspired by a TED Talk and wondered whether you could inspire people with your own experience? Today's guest did just that recently. Johnny Garza, MSN, CRNA, delivered a memorable TED Talk inspired by his practice and a personal story that proves life is too short and we should act on our most vulnerable dreams. He'll share his experience from that TED Talk and tell us more about this inspirational story. Here's some of what we discuss in this episode: What motivated him to take the stage and how did he get a spot in TEDx? The story of the 25-year-old who inspired this story after he administered her anesthesia. The stress and emotion of delivering that speech in front of an audience and why anesthesia helps prepare you for this. What advice would he share with others in this position? His move from CRNA to being a pilot.     About our guest: Johnny Garza, MSN, CRNA attended Loma Linda University in Southern California where he completed his Master's degree in Nurse Anesthesia. He has been practicing independently in Central and Southern California since he graduated in early 2018. As he transitioned into the independent provider role he also found a new passion for education and serves as a clinical associate professor. In addition, he proudly serves on the board of the California Association of Nurse Anesthetists (CANA) and is committed to the success of the profession. Johnny is dedicated and eager to share the knowledge gained with future generations of clinicians and supporting CRNA leadership.   Visit us online: https://beyondthemaskpodcast.com/ The 1099 CRNA Institute: https://aana.com/1099 Get the CE Certificate here: https://beyondthemaskpodcast.com/wp-content/uploads/2020/04/Beyond-the-Mask-CE-Cert-FILLABLE.pdf Help us grow by leaving a review: https://podcasts.apple.com/us/podcast/beyond-the-mask-innovation-opportunities-for-crnas/id1440309246

The California Association of Racing Fairs voted not not to submit future race meet applications. This affects the Big Fresno Fair. Does this mean horse racing is out at The Big Fresno Fair? Looks possible. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Today on Your Partner In Success Radio I welcome Dr. Brad Stuart, a pioneering physician in end-of-life care, healthcare innovator, and acclaimed author. With over 50 years of medical experience, Dr. Stuart has revolutionized hospice and palliative care in the United States. He's the mastermind behind the groundbreaking Advanced Illness Management (AIM) program, which received a $13 million grant from the Center for Medicare & Medicaid Innovation.Dr. Stuart's contributions to the field have earned him numerous accolades, including Physician of the Year by the California Association of Health Services at Home and a spot among the Top 20 national difference-makers by HealthLeaders' Media. Most recently, he was named a Visionary by the American Academy of Hospice and Palliative MedicineHis latest book, "Facing Death: Spirituality, Science, and Surrender at the End of Life," offers a profound exploration of mortality, bridging medical science and spiritual understanding. Dr. Stuart's work challenges us to reconsider our perceptions of reality and the nature of death itself. That book is on my desk as we speak. I have read and reviewed this book and HIGHLY recommend it.Connect with Dr. Brad Stuart on his website or on LinkedIn We appreciate you tuning in to this episode of Your Partner In Success Radio with Host Denise Griffitts. If you enjoyed what you heard, please consider subscribing, rating, and leaving a review on your favorite podcast platform. Your support helps us reach more listeners and create even better content!Stay ConnectedWebsite: Your Partner In Success RadioEmail: mail@yourofficeontheweb.com

California's Insurance Crisis: Fires, Losses, and Recovery Steps with WOWS Fire Insurance Services Wowsinsurance.com About the Guest(s): Robert Feldman is the CEO and co-founder of Wows Insurance Services, a leading wholesaler in the insurance industry with over 25 years of experience. Specializing in fire insurance, especially in high-risk zones like California, Robert actively educates realtors about securing insurance for homes deemed uninsurable. A seasoned speaker, he has contributed significantly to discussions at the California Association of Realtors and works on task forces and insurance panels to find solutions to California's housing insurance crisis. Episode Summary: In this gripping episode of The Chris Voss Show, returning guest Robert Feldman, CEO of Wows Insurance Services, delves into the escalating housing insurance crisis in California, particularly in the wake of devastating wildfires. Feldman, with his 25 years of experience, provides invaluable insights into the catastrophe, sharing his direct experiences from his own community, which faced the brunt of these fires. Listeners will gain a unique understanding of the complexities intertwined with insurance challenges, climate change, and community resilience in these unprecedented times. The discussion further elaborates on the immense scale and impact of the California wildfires, examining how communities, especially those in known fire zones, are struggling with losses both physical and financial. Feldman addresses not only the insurance industry's response to these crises, such as policy cancellations and rising premiums but also broadens the conversation to include future preparedness and mitigation strategies. Through his extensive engagement with realtors and homeowners, Feldman offers a roadmap to recovery even amidst the devastation, highlighting the importance of long-term planning and immediate action in the face of climatic challenges. Key Takeaways: Catastrophic Impact: The recent California wildfires have been exponentially more devastating than past fires, with entire communities incinerated. Insurance Challenges: Major insurance companies have been withdrawing from California, leading to coverage issues for homeowners in risk-prone areas. Five Steps to Recovery: Feldman outlines a systematic five-step process to aid victims in recovering from property loss, emphasizing the importance of filing a claim and planning reconstruction. Future Preparedness: There's a critical need for better land management and sustainable planning to mitigate future climate-related disasters. Community Support: The conversation highlights the incredible human spirit and community support in times of crisis, stressing the importance of unity. Notable Quotes: "This fire was a 10x fire… Woolsey was supposed to be one of the worst fires in California, and this one will be at least 10 times worse." "Insurance carriers were in California prior to this event, and over the last couple years really pulling back in essence canceling policies." "This event was more damaging to the environment than the last 30 years of not doing the preparation." "Five steps are really so very important… this is not gonna be done in six months. This is gonna be years." "When things are terrible, the good of humanity steps in and we rally. That's what you're seeing right now."

In this illuminating episode of the Fund The People podcast, Geoff Green, CEO of the California Association of Nonprofits (CalNonprofits), provides a masterclass on the economic and political power of California's nonprofit sector. Green explains how nonprofits, as the fourth-largest employer in California with 1.2 million workers, are often tasked with addressing the "externalized costs" of both business and government - from poverty wages to environmental degradation - yet are chronically underfunded and undervalued in policy discussions. The conversation delves into the critical challenges facing nonprofit workers, including delayed government payments, inadequate overhead rates, and the fact that 22% of nonprofit workers struggle to make ends meet. Green discusses CalNonprofits' legislative efforts to reform government contracting and shares a promising new Los Angeles initiative that ensures wage equity across public, private, and nonprofit sectors. He emphasizes that for every $20 of public expenditure, there is only $1 of charitable funding - highlighting why nonprofits must build political power to influence how public dollars are spent rather than simply providing services on the cheap. Key Points: Learn why nonprofits are California's fourth-largest employer and how they're transforming their economic power into political influence Discover why "working on the cheap" hurts both nonprofit workers and the communities they serve Get an insider's perspective on recent legislative wins and ongoing battles to reform government contracting with nonprofits Understand the complex relationship between labor unions and nonprofits, and innovative solutions for wage equity across sectors Hear about new research showing how Trump-era tax changes resulted in $20 billion less in charitable giving, and what this means for the sector. Go to our website for a transcript of this episode and links to the resources discussed in the episode. You can find all the episodes of this podcast plus our blog, toolkit and other resources on our website, ⁠⁠⁠⁠fundthepeople.org⁠⁠⁠⁠. And we invite you to learn from all the amazing past guests of Fund the People - A Podcast with Rusty Stahl at ⁠⁠⁠fundthepeople.org/ftp_podcast⁠⁠⁠.

Grace O'Connor is a Licensed Marriage and Family Therapist and the Vice-President of Gender Wellness of Los Angeles. Grace specializes in working with the Transgender and Non-binary populations. She obtained her Master's Degree in Clinical Psychology from Antioch University with a specialization in LGBTQ+ identity, and completed her training at the Antioch University Counseling Center and Colors LGBTQ Youth Counseling Center.  Prior to working at Gender Wellness of LA, Grace led the LGBTQ+ program at Westwind Recovery, a dual diagnosis treatment program in West Hollywood California, focusing on LGBTQ+ patients struggling with mental health and addiction-related disorders. Grace, along with her colleague at Gender Wellness of Los Angeles, President and Founder of GWLA  Casey Weitzman LMFT, travel throughout the Southern California area conducting talks, trainings and workshops on issues specific to Transgender and Non-binary identity.  Grace has been interviewed for various publications including Healthline.com, The Fight Magazine and verywellhealth.com and is an active member of the World Professional Association for Transgender Health [WPATH] and California Association of Marriage and Family Therapists [CAMFT]. We discuss topics including: Grace's story Body image in the non-binary community When a person begins the process that they are trans/non-binary what they see is not always what they feel in their body Representation matters Trans women come in different shapes and sizes as do cis women “passing “ as a man or “passing” as a woman Steps to work on to achieve body neutrality   SHOW NOTES: www.genwell.org instagram.com/lagirlgrace instagram.com/genderwellnessla ____________________________________________ If you have any questions regarding the topics discussed on this podcast, please reach out to Robyn directly via email: rlgrd@askaboutfood.com You can also connect with Robyn on social media by following her on Facebook, Instagram, Twitter, and LinkedIn. If you enjoyed this podcast, please leave a review on iTunes and subscribe. Visit Robyn's private practice website where you can subscribe to her free monthly insight newsletter, and receive your FREE GUIDE “Maximizing Your Time with Those Struggling with an Eating Disorder”. Your Recovery Resource, Robyn's new online course for navigating your loved one's eating disorder, is available now! For more information on Robyn's book “The Eating Disorder Trap”, please visit the Official "The Eating Disorder Trap" Website. “The Eating Disorder Trap” is also available for purchase on Amazon.   Visit Robyn's private practice website where you can subscribe to her free monthly insight newsletter, and receive your FREE GUIDE “Maximizing Your Time with Those Struggling with an Eating Disorder”. Your Recovery Resource, Robyn's new online course for navigating your loved one's eating disorder, is available now! For more information on Robyn's book “The Eating Disorder Trap”, please visit the Official "The Eating Disorder Trap" Website. “The Eating Disorder Trap” is also available for purchase on Amazon.

On today's episode, Kristin Platts provides Grape & Wine's top grape article for January on California Association of Winegrape Growers' advocacy goals for 2025.   Supporting the People who Support Agriculture Thank you to this month's sponsors who makes it possible to get you your daily news. Please feel free to visit their website. Dormex (Alzchem Group) - https://www.alzchem.com/en/brands/dormex/ KIM-1C, LLC - https://www.linkedin.com/company/kim-c1-llc/

On June 28, 2022, the Greater Victoria Emergency Response Team (aka GVERT) was working as a quick response team for narcotics surveillance when a call went out of an active bank robbery in progress.  Two suspects, covered almost completely in body armor and heavily armed with SKS rifles were robbing the Bank of Montreal branch in nearby Saanich BC.  The suspects had herded all of the bank patrons and employees into the back of the bank and then proceeded to wait more than 12 minutes in the entrance vestibule of the bank hoping to ambush and kill the responding officers.  In accordance with their policy of remaining covert until suspects left the bank to avoid creating a hostage situation, responding officers from Saanich, Central Saanich and nearby Victoria PD descended on the area and inserted into covert locations around the bank.  The GVERT team left the surveillance and headed immediately to the bank.  As they arrived on scene and gained situational awareness, the two male subjects, covered head to toe in armor and armed with SKS 7.62 x 39 rifles with high-capacity magazines, exited the bank. The team raced into the parking lot in their surveillance van, deployed a flashbang, and began to exit to effect arrest.  As they did the suspect nearest the van calmly turned and opened fire on the van.  In just a few seconds, 6 of the 7 operators in the van were shot, some multiple times.  All of them were injured and at least one of them was at immediate risk of death.The remaining team members and patrol officers returned fire eventually killing the suspects.  What transpired over the next few minutes can only be described as a heroic performance by team members and army of patrol officers and other first responders who quickly transitioned from taking the suspects into custody, to searching for a possible third shooter, clearing the bank, freeing the hostages, dealing with numerous IEDs and most importantly providing care and transport for their injured teammates.  This is the first of a two part series that will look at this event through the several different perspectives.  This episode will be unlike any previous episode of the debrief because of the sheer number of people we were able to interview.  The agencies, patrol officers and teams involved in this incident gave us access to more than a dozen people who responded to the event.  As a result, we will be seeing incident from the perspectives of the team commander, team leaders, detached sniper element, assaulters, medics, and even the patrol supervisor for the day.  It is our hope that doing so will allow us to understand not only what happened, but how their training allowed them to succeed in an almost unwinnable situation and how their lessons learned from the event informed future training and tactics. In this first part we will look at the timeline of the event itself, in part two we will sit down on video with three of the team members to look back at the events and formally discuss lessons learned.In keeping with the standard policy of the debrief we will not mention the suspects' names or objectives in the hopes that they will be lost to the sands of time.  We will however mention the names of responding officers as they are heroes and need to be remembered as such.One additional note, this episode has a corresponding decision-making exercise created by the California Association of Tactical Officers.  Please be sure to run that exercise with friends or your team.

Request A Customized Workshop For Your Company In this insightful episode of "Negotiate Anything," host Kwame Christian joins forces with Emily Horn, the senior vice president of leadership development at the California Association of Realtors, to explore the dynamics of ethical persuasion in negotiations. They delve into the psychological aspects of communication, discussing the persuasive triad from ancient Greece—logos, pathos, and ethos—and the impact of emotional intelligence in reaching mutual understanding. Through personal anecdotes and practical advice, they provide listeners with actionable strategies for empathetic leadership and diverse collaboration. Don't miss their engaging conversation on how to balance logic, ethics, and passion in high-stakes discussions. What will be covered: - The role of the persuasive triad in effective negotiation techniques. - The importance of empathy and cultural context in communication strategies. - Strategies for maintaining ethical standards and the right tone in negotiations. What listeners will learn: - How to employ empathetic persuasion to create more effective and ethical negotiations. - The benefits of embracing intellectual diversity for innovative problem-solving and decision-making in negotiating scenarios. - Techniques for maintaining objectivity and managing emotions to ensure successful negotiation outcomes. Contact ANI Request A Customized Workshop For Your Company Follow Kwame Christian on LinkedIn The Ultimate Negotiation Guide Click here to buy your copy of How To Have Difficult Conversations About Race! Click here to buy your copy of Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life!

Request A Customized Workshop For Your Company In this insightful episode of "Negotiate Anything," host Kwame Christian joins forces with Emily Horn, the senior vice president of leadership development at the California Association of Realtors, to explore the dynamics of ethical persuasion in negotiations. They delve into the psychological aspects of communication, discussing the persuasive triad from ancient Greece—logos, pathos, and ethos—and the impact of emotional intelligence in reaching mutual understanding. Through personal anecdotes and practical advice, they provide listeners with actionable strategies for empathetic leadership and diverse collaboration. Don't miss their engaging conversation on how to balance logic, ethics, and passion in high-stakes discussions. What will be covered: - The role of the persuasive triad in effective negotiation techniques. - The importance of empathy and cultural context in communication strategies. - Strategies for maintaining ethical standards and the right tone in negotiations. What listeners will learn: - How to employ empathetic persuasion to create more effective and ethical negotiations. - The benefits of embracing intellectual diversity for innovative problem-solving and decision-making in negotiating scenarios. - Techniques for maintaining objectivity and managing emotions to ensure successful negotiation outcomes. Contact ANI Request A Customized Workshop For Your Company Follow Kwame Christian on LinkedIn The Ultimate Negotiation Guide Click here to buy your copy of How To Have Difficult Conversations About Race! Click here to buy your copy of Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life!

As the founder of Blink Consulting, Alison Park has partnered with over 100 independent schools, as well as public districts, community-based organizations and nonprofits to advance their commitments to diversity, equity and inclusion. In addition to her work with clients, Alison has facilitated and keynoted at numerous conferences, including the Asian Educators' Alliance, Bay Area Directors of Admission Symposium, California Association of Independent Schools, East Bay Independent Schools Association, National Association of Independent Schools' Annual and POCC, Northwest Association of Independent Schools' Fall Educators and Institutional Leadership and the White Privilege Conferences. Alison has also served on Park Day School's Board of Trustees and the Advisory Board of the Mosaic Project, and currently serves on the SMART program's Board of Directors. Before Blink, Alison taught for thirteen years in the public, non-profit and private sectors, including Marin Academy and Head-Royce Middle School. Alison earned her B.A. in African Studies at Yale University and two Master's degrees at Harvard's Graduate School of Education. Originally from the Philadelphia area, Alison has lived in the San Francisco Bay Area over 25 years.   https://www.rethinkingdiversity.com/Chris Thinnes, Ed.D., is a veteran independent school leader, an experienced educational consultant and facilitator, a skilled DEI practitioner, and a seasoned collaborator with education leaders from the public and private sectors. Throughout his service in schools, he has promoted a fuller understanding of the fact that deeper learning in our classrooms is dependent on diversity, equity, and social justice in our schools. He has also promoted a wide range of initiatives to transform teaching and learning by integrating technology and research-based practice, systematizing professional learning and collaboration, enriching school partnerships with other educational organizations, and engaging student, teacher, and parent voices in strategic institutional decision making—actively collaborating, all the while, with national education thought leaders, researchers, and activists from the public and private sectors to promote the transformation of teaching and learning for all our nation's children.      Thinnes has regular presented workshops and facilitated sessions at national conferences such as the NAIS People of Color Conference, the NAIS Annual Conference, the Progressive Education Network national conference, and the EdLeader21 national conference. His writing about education issues has appeared in Independent School Magazine, GOOD, Living in Dialogue (Education Week), and a variety of other publications and blogs. Thinnes currently serves on the Board of Directors of the Progressive Education Network and EduColor. He received his Ed.D. in Educational Leadership for Social Justice from LMU.

In this episode, Deborah Maragopoulos, FNP an intuitive integrative family nurse practitioner with over 30 years of experience in neuroimmune endocrinology, joins us for a discussion around the crucial role of the hypothalamus in managing menopause symptoms, overall health, and hormonal harmony. Specializing in hypothalamic health, Deborah has helped thousands of patients restore hormonal balance through her integrative approach. She is the author of several books including her latest, "The Hypothalamus Handbook," which outlines the steps people can take to start healing their hypothalamus on their own. She is also the Founder of Full Circle Family Health, Genesis Health Products, Inc and Divine Daughters Unite. In addition, Deborah serves as clinical endocrine advisor to Genova Laboratory and Sansum Medical Clinic, and she is also the past president of the California Association of Nurse Practitioners.The hypothalamus, often overlooked in traditional healthcare, is a small almond-shaped gland in the brain responsible for regulating the body's key functions, including temperature, metabolism, mood, sleep, and hormone balance.Deborah explains that many menopause symptoms such as hot flashes, sleep disruption, weight gain, and brain fog stem from a dysregulated hypothalamus as hormone levels fluctuate. This critical gland struggles to maintain balance as estrogen, progesterone, and testosterone levels decline. Part of the problem is that hypothalamic imbalances can be hard to detect through standard tests. Deborah recommends and uses a comprehensive health history, lab analysis, and symptoms checklists to diagnose and treat her patients.Topics covered in this episode:The hypothalamus' role in menopause and perimenopause How perimenopause and menopause affect your hypothalamus Some of the most common disorders and medical conditions that might be linked to an unbalanced hypothalamus and how to talk with your medical provider about itFive lifestyle pillars to keep the hypothalamus functioning optimally Specializing in neuro-immune endocrinology, Deborah focuses on optimizing the function of the hypothalamus - the maestro of the symphony of hormones. Her approach combines cutting-edge science with a holistic perspective, offering hope to those struggling with unexplained symptoms or chronic health issues. Connect with Deborah: website: https://genesisgold.com Facebook: https://www.facebook.com/thehormonequeen/ Instagram: https://www.instagram.com/deborahmaragopoulosfnp/ LinkedIn: https://www.linkedin.com/in/deborah-maragopoulos-mn-fnp-422b8014 YouTube: https://www.youtube.com/channel/UCTwDjUWkxsANSmh2wF5ltSg Resources Referenced in the Podcast:FREE Menopause Action Plan Guide: https://genesisgold.com/map-guide/FREE Hormone Reboot Training:  https://genesisgold.com/hormone-reboot-training/?utm_source=positivepauseFor a 10% OFF Discount in Deborah's store -- use coupon code: POSITIVEPAUSE10 (https://shop.genesisgold.com/discount/POSITIVEPAUSE10)

Jennifer Strong is the founder of Cognitive Diagnostic Associates (CDA), the largest special education company in the United States. An accomplished School Psychologist with specialized expertise in School Neuropsychological Assessment. Boasting an illustrious background in the field, Jennifer has embraced the role of Board Member and Region 9 (IX) Representative for Orange County within the California Association of School Psychologists (CASP). Furthermore, she actively mentors aspiring School Psychologists through the National Association of School Psychologists (NASP) mentorship program. She has pursued advanced post-graduate training in school neuropsychology, garnering the Diplomate distinction from the American Board of School Neuropsychology. Raised in the diverse landscape of Alaska, Jennifer's unique perspective is enriched by her upbringing alongside her father, Dr. Larry Reynolds, a distinguished Physician in the state of Alaska who earned legislative recognition for his remarkable contributions. Her extensive experience in educational settings includes her recent leadership involvement in shaping policies and procedures for Special Circumstances Instructional Assistance (SCIA) at her previous district. She possesses a profound passion for Special Education Case Law and adeptly provides clients with expert guidance concerning their children's Individualized Education Programs (IEPs). Jennifer has exceptional expertise in ADHD/ADD, behavioral disorders, autism spectrum disorder, traumatic brain injuries, 504 plans, manifestation determinations, as well as comprehensive assessments of memory, attention, and learning. Beyond her professional pursuits, Jennifer finds joy in skiing, gardening, and culinary exploration. A devoted mother and former athlete, she actively contributes to philanthropic initiatives, including her engagement with the Newport Beach Chamber of Commerce, membership/involvement with the 11-99 Foundation, and developing “Cans 2 the Curb” with her sons—a meaningful endeavor dedicated to giving back to the Special Education Department of their local school. Jennifer also participates in the Boy Scouts of America's Wreaths for Veterans program with her sons. Furthermore, as the Chair/Head of the Scholarship Program for School Psychology in Graduate Schools, Jennifer is deeply committed to empowering and supporting aspiring school psychologists in their educational endeavors, through a focus on health, wellness, and balance. -- Critical Mass Business Talk Show is Orange County, CA's longest-running business talk show, focused on offering value and insight to middle-market business leaders in the OC and beyond. Hosted by Ric Franzi, business partner at REF Orange County. Learn more about Ric at www.ricfranzi.com. 

California Association for the Preservation of Gam v. Stanislaus County

Welcome to the Environmental Leadership Chronicles, brought to you by the California Association of Environmental Professionals. In this episode, we are thrilled to feature Cameron Lukos, a GIS analyst and biologist at GPA Consulting, who is pioneering the integration of technology and biology in environmental science. Cameron discusses his dual role in providing GIS support across various departments, including biology, architectural history, and CEQA compliance, while also engaging in fieldwork such as biological surveys and habitat assessments. He shares insights into how his family's legacy in the environmental industry has shaped his career path, drawing inspiration from his father's work as an aquatic biologist. As the student liaison for AEP's Orange County chapter, Cameron is passionate about mentoring the next generation of environmental leaders. He offers valuable advice to students on networking, gaining industry experience, and the importance of internships. Join hosts Jessa and Corinne as they delve into Cameron's journey, exploring the intersection of GIS technology and biology, and how Cameron's dedication is creating a positive ripple effect in the environmental sector. Listen in to discover how Cameron navigates the challenges of a rapidly changing industry, his vision for the future, and his commitment to fostering new talent in environmental science.

In this episode of the Life and Listings podcast, I sit down with Marc Hernandez, a seasoned real estate professional from Beverly Hills. Marc's journey started in Los Angeles, where he grew up in the San Gabriel Valley before heading to USC, where a real estate class sparked his interest in the field. Right after college, Mark dove into the world of commercial real estate, specializing in high-rise office building sales and tenant representation. He spent five years navigating this landscape, gaining valuable experience but eventually transitioning into real estate management. “I had never done it before. I had never done it before. But one thing I can say that I'm pretty solid at. I'm really solid at what I call marshaling my resources. Yeah, if I don't know something, I don't freak out about it. I don't hold myself back from going in, going through the door. I just quickly learned how to connect the dots.”   About Marc Hernandez: Marc Hernandez is one of the most empathetic, innovative, conscientious, and connected agents in the real estate industry today. Ranked among the top 1.5% of real estate agents in the U.S., Hernandez' impressive roster of clients includes accountants, actors, attorneys, digital media executives, directors, producers, show runners, tech professionals, TV writers, and the like. He has been featured on the homepage of the California Association of Realtors website, included in various luxury and business publications, and seen on Bravo TV's “Million Dollar Listing Los Angeles.”   Connect with Marc: Instagram: @themarchernandez  LinkedIn: https://www.linkedin.com/in/themarchernandez Connect with Jennifer Staats: Website: staatssolutions.com Staats Solution Instagram: https://www.instagram.com/staatssolutions/ Jennifer Staats Instagram: https://www.instagram.com/jennifertherealtor LinkedIn: https://www.linkedin.com/company/staatssolutions/

On today's show we report from the California Association of Pest Control Advisors (CAPCA) annual meeting, held this year at the Disneyland Hotel convention center in Anaheim.

In EPISODE 177 OF GROWING OLDER LIVING YOUNGER, Dr. Gillian Lockitch talks with Dr. Brad Stuart about his book "Facing Death: Spirituality, Science, and Surrender at the End of Life." Dr. Stuart discusses his transition from emergency medicine to hospice care, emphasizing how he came to realize the importance of healing over simply curing. He shares personal experiences and scientific insights into near-death experiences and the role of the default mode network in the brain. He highlights the spiritual and emotional aspects of end-of-life care, advocating for a holistic approach that includes mental, emotional, and spiritual well-being. He also touches on the potential of psychedelic therapy in addressing death anxiety and depression. Brad Stuart, MD is a physician specializing in end-of-life care, a healthcare innovator, and an author and international speaker. He has devoted his career to helping make the end of life a vital part of life itself. After graduating from Stanford Medical School and practicing internal medicine in the ER and ICU, he switched over to hospice practice to care for the dying. As Senior Medical Director for the largest healthcare system in Northern California, he created the first large-scale Advanced Illness Management (AIM) program in the US, funded by a $13 million award from the Center for Medicare and Medicaid Innovation. He was featured in the HBO special, Letting Go: A Hospice Journey. Brad has been recognized as Physician of the Year by the California Association of Health Services at Home, named a Top 20 national difference-maker by HealthLeaders' Media, and designated as a Visionary by the American Academy of Hospice and Palliative Medicine. Episode Timeline 0:01 Introduction to Dr. Stuart's journey from ER/ICU doctor into end-of-life care 12:48 The evolution of Dr. Stuart's approach to medicine 17:49 Personal experiences with death and recalled experiences   36:42 Neuroscience and Near-Death Experiences   43:16 Conclusion and Final Thoughts   Book : Facing Death: Spirituality, Science, and Surrender at the End of Life. https://www.bradstuartmd.com Schedule a free Discovery Call with Dr. Gillian And if you have not already done so, follow, rate and review this Growing Older Living Younger podcast.

By far the number one question I'm asked as a real estate broker is, "Rick, how is the market?" And I'm sure that's the question you get asked most often, too. Today I'm very excited to share with you the 2025  forecast by the California Association of Realtors of what's going to happen in the 2025 market. This video is on ricksmarketupdate.com and on my social media. It's time to get the message out that the market is shifting!Regardless of where you live, are you preparing for the 2025 market? What conversations and scripts are you preparing so that you can answer this question with confidence and expertise?Here are some examples that I've shared with my team that you can customize for your market:"Did you know that California's housing market is projected to see over 10% increase in home sales next year? "Have you considered that with inflation slowing, the 30-year fixed mortgage rate is expected to drop from 6.6% to 5.9% in 2025?""Did you know that California's median home price is forecasted to reach nearly $910k in 2025, a 6.8% increase next year?  $50k increase in one year!”"Have you considered that despite rising prices, housing affordability is expected to remain stable at 16% next year?""Did you know that housing supply conditions are expected to improve in 2025 as more homeowners and investors list properties, anticipating higher prices?"Questions or comments? We'd love to hear from you! (888) 950-RICKinfo@rickfuller.comSupport the show

Vernā is a DEI pioneer. She is a highly sought-after DEI Keynote Speaker and DEI Consultant. She's well-known for captivating  audiences with her high-energy keynotes, profound insights, and ability to foster authentic connections and meaningful dialogue.  With nearly three decades of experience, her work as an inclusion strategist, cultural innovator, thought leader, and social  commentator has guided myriad organizations across the world in dismantling barriers to inclusion and equity across race, ethnicity,  gender, sexual orientation, socioeconomic class, religion, and other differences. Her expertise and experience - personal and  professional - have been instrumental in guiding workplaces toward embracing and integrating diversity, inclusion, equity, and  belonging in all facets of workplace operations.   Hailing from Baltimore's working class, Vernā's journey saw her rise to prominence as a distinguished alumna of Barnard College,  Columbia University, and Harvard Law School, founder of The Vernā Myers Company, and the inaugural head of Inclusion Strategy at Netflix, where she led a global team in curating and implementing strategies to integrate cultural diversity, inclusion, and equity  into all aspects of the company's operations.  An accomplished author, Vernā's two best-selling books, “Moving Diversity Forward: Going from Well-Meaning to Well-Doing” and  “What If I Say The Wrong Thing? 25 Habits for Culturally Effective People” have garnered widespread acclaim. Her inspiring TED talk,  “How to Overcome Our Biases? Walk Boldly Towards Them,” has amassed over 5 million views and has been translated into 27  languages. Collaborating with Ariana Huffington and Thrive Global, Vernā's micro-course, “Confronting Biases,” has been taken by  nearly a million learners worldwide and is consistently recognized as one of the top ten LinkedIn Learning courses. Vernā is also the  host and producer of the podcast Sundays with Verna, which is available on Apple iTunes and Spotify.  Vernā's trademarked quote: “Diversity is being invited to the party. Inclusion is being asked to dance” ® encapsulates her enduring  commitment to fostering inclusive environments. The statement has been quoted countless times by DEI professionals and everyday  individuals from various industries and all over the world.   Vernā's company, TVMC, provides its own brand of DEI online training courses through www.tvmcu.com. The courses, featuring  Verna herself, include the energy and no shame, blame, or attack approach she brings when delivering her keynotes and workshops.  Among her many accolades, Vernā's impact has been recognized by numerous institutions, including the California Association of  Black Lawyers, the Black Women Lawyers Association of Los Angeles Foundation, CODE Crew recognized her DEI Person of the Year (2021), and Diversity Woman named her one of the Top 100 Black Women Executives. Vernā was elected as a Fellow of the College  of Law Practice Management, serves as a Board Member of UC Hastings College of Law's Work Life Law program, and received the  Diversity Champion award from Pepper Hamilton LLP. She has been honored as one of the “25 Influential Black Women in Business”  by The Network Journal and celebrated as a “Diversity Hero” by The Massachusetts Lawyer's Weekly. Earlier in her career, Vernā  held pivotal roles, such as the first Executive Director of The Boston Law Firm Group and Deputy Chief of Staff for the Attorney  General of Massachusetts. She also practiced corporate and real estate law for six years at Testa, Hurwitz & Thibeault LLP and Fitch,  Wiley, Richlin & Tourse LLP.  

Robert Feldman, CEO, President, and Founder of WOWS Insurance Services on Fixing California's Insurance Crisis Wowsinsurance.com About the Guest(s): Robert Feldman is the CEO, President, and Founder of WOWS Insurance Services. With over 25 years of experience as an insurance broker, Robert possesses deep industry knowledge, particularly in the Western United States. He is a recognized thought leader in the insurance market and has served as a speaker for the California Association of Realtors. His expertise focuses on innovative insurance solutions for homes, especially in high-risk areas prone to fires. Episode Summary: In this episode of The Chris Voss Show, host Chris Voss interviews Robert Feldman, CEO and Founder of WOWS Insurance Services, about the ongoing crisis in the insurance industry, specifically in California and other Western states. Robert discusses the growing challenges homeowners face in securing insurance policies due to the increasing prevalence of wildfires and legislative changes. This episode dives deep into how WOWS Insurance is using innovative strategies to disrupt and resolve these critical issues. As insurance companies are withdrawing from markets and leaving homeowners in peril, Robert's groundbreaking approach aims to stabilize and revolutionize the industry. From making insurance policies transferable from sellers to buyers, to addressing the oversaturation of markets and skyrocketing rebuild costs, the conversation is a treasure trove of insights. Whether you're a homeowner, broker, or someone interested in the insurance landscape, this episode delivers valuable information on how to navigate these turbulent times. Key Takeaways: Disruption in the Insurance Market: The withdrawal of major insurers like State Farm, Allstate, and Nationwide from California is creating a crisis for homeowners needing coverage. Innovative Solutions: WOWS Insurance offers transferable policies and spreads risk to bring back stability to the market. Impact of Wildfires: Fire-prone states are grappling with increased costs and non-renewals, making it vital for homeowners to proactively seek reliable insurance. Consumer Awareness: Homeowners must be diligent in examining their policies and rebuild costs to ensure adequate coverage. Legislative Involvement: Government bodies are slowly recognizing and addressing these issues, but innovative market solutions are leading the way. Notable Quotes: "We're fighting the fight, and we're going to change, effect change in California and the Western United States as time goes on to roll." - Robert Feldman "The number one problem, first and foremost, is oversaturation of the market." - Robert Feldman "If you don't have insurance for a house, the only way you can have a buyer come in and buy it is if they're paying all cash." - Robert Feldman "We're fixing insurance. We're gonna bring carriers back into the market and help bring the rates down." - Robert Feldman "It's a question of not just an insurance look; it's getting everybody involved, all hands on deck." - Robert Feldman

To celebrate California Wine Month, we're highlighting winners of the California Green Medal Award. Allison Jordan, Executive Director at the California Sustainable Winegrowing Alliance shares the sustainable practices unique to each of this year's winners. From farm hiking trails open to the community to a bio fuel powered fleet, you'll be inspired by these stories. Make sure you listen to the end. Our host Craig works at Niner Wine Estates, the 2023 Green Medal Business Award Winner. He has great insights into the benefits of applying for the Green Medal that extend beyond earning the award. I have enjoyed working with the Green Medal on the steering committee and as a judge.  If you are a California vineyard or winery, I encourage you to visit greenmedal.org to apply. Applications open in November of 2024. Resources:         206: The Best Newsletter You Can Send | Marketing Tip Monday 231: Stacking Regenerative Practices to Create a Healthy Vineyard 2024 Green Medal Award Winners Allison Jordan Green Medal Awards Vineyard Team Programs: Juan Nevarez Memorial Scholarship - Donate SIP Certified – Show your care for the people and planet   Sustainable Ag Expo – The premiere winegrowing event of the year Sustainable Winegrowing On-Demand (Western SARE) – Learn at your own pace Vineyard Team – Become a Member Get More Subscribe wherever you listen so you never miss an episode on the latest science and research with the Sustainable Winegrowing Podcast. Since 1994, Vineyard Team has been your resource for workshops and field demonstrations, research, and events dedicated to the stewardship of our natural resources. Learn more at www.vineyardteam.org.   Transcript  [00:00:06] Beth Vukmanic: To celebrate California wine month. We're highlighting winners of the California green metal award. [00:00:11] Welcome to sustainable wine growing with the vineyard team, where we bring you the latest in science and research for the wine industry. I'm Beth Vukmanic executive director at vineyard team. Since 1994, we've brought you the latest science-based practices, experts, growers, and wine industry tools through both in-field and online education, so that you can grow your business. Please raise a glass with us as we cheers to 30 years. [00:00:36] In today's podcast Craig Macmillan, critical resource manager at Niner wine estates with long time sip certified vineyard and the first ever sip certified winery. Speaks with. Alison Jordan executive director at the California sustainable wine growing Alliance. She shares the sustainable practices, unique to each of this year's green metal winners. From farm hiking trails, open to the community, to a biofuel powered fleet. You'll be inspired by these stories. And make sure you listen to the end. [00:01:07] Our host Craig works at Niner wine estates winner of the 2023 business award. He has some great insights into the benefits of applying for the green metal that extend beyond earning the achievement. [00:01:19] I personally have had the pleasure of serving on the green metal steering committee. And as a judge, if you're a California vineyard or winery, I encourage you to visit green metal.org to apply applications open in November of 2024. [00:01:34] Do you want access to the latest viticulture research and technology from the world's top experts, then you won't want to miss the premiere Winegrowing event of the year, the sustainable ag expo. Enjoy the perfect blend of in-person and online learning. Speak directly with national experts, earn over 20 hours of continuing education and explore sustainable ag vendors. It all takes place November 11th through 13th, 2024 in San Luis Obispo, California. As a listener to this podcast, take $50 off of your ticket. When you use code podcast 24 at checkout. Get yours today at sustainableagexpo.org. Now let's listen in. [00:02:14] Craig Macmillan: Our guest today is Allison Jordan. She is executive director of a California sustainable wine growing alliance. And today we're going to be talking about the green medal awards. Hey allison, thanks for being on the podcast. [00:02:30] Allison Jordan: Great to be with you. thanks so much for having me. [00:02:32] Craig Macmillan: So let's start with some basics. What is the California sustainable wine growing alliance? And in particular, what is it? What are its goals? And what's it doing to achieve those goals? [00:02:42] Allison Jordan: Well, the California Sustainable Wine Growing Alliance is a partnership that was created by Wine Institute and the California Association of Wine Grape Growers back in 2003 as a nonprofit organization that's all about promoting sustainability from grapes to glass. some of the ways that we do that, especially the whole idea of encouraging adoption of sustainable wine growing practices is also around communicating about it so we can really tell the story about California's leadership in sustainability. [00:03:14] And we do that through education, through outreach, through certification, and also through partnerships. So for instance, the vineyard team is a great partner of ours and us. Fantastic work. Not only in the central coast, but also throughout the state. [00:03:31] Craig Macmillan: Thank you. I know that we've really enjoyed and benefited from our work with you. And also around the Green Medal Awards. what exactly are the Green Medal Awards? how did that come about? What was the purpose of creating the awards? [00:03:45] Allison Jordan: So during Down to Earth Month each April, which is a chance to really highlight California wine community sustainability leadership we also celebrate the California Green Medal. The full name of the awards is the California Green Medal Sustainable Wine Growing Leadership Awards. And it's our way of recognizing industry leaders. [00:04:06] So those who wineries and vineyards that are really using advanced sustainability practices. They're innovating and they're sharing that information with their peers. It really was a way for all of the different California sustainability programs to come together. [00:04:21] We're all really about elevating sustainability. And so we came together with not only the Sustainable Wine Growing Alliance, which of course is this partnership with CAWG and with Wine Institute, but also with the Vineyard Team and Lodi Wine Grape Commission. Napa Valley Vintners and Napa Green, and also the Sonoma County Wine Growers, so that we could all be part of celebrating and shining a spotlight on these leaders. [00:04:46] Craig Macmillan: I think that's one of the really great things about this. And my understanding is that you actually have representatives from different organizations that are part of the review committee for the applications and also part of the cross promotion. Is that right? [00:04:57] Allison Jordan: That's right. Yeah, so all of those organizations are involved and participate in the judging panel. We also have experts from universities, the wine education field some representatives from retailers and, and some somellier have. Participated in the past. So we try to have that really well rounded group that can be reviewing the applications from wineries and vineyards around the state. [00:05:20] Craig Macmillan: that's really fantastic that you have expertise from around different fields and different areas. I think that gives it a lot of weight and a lot of legitimacy. So let's get to the purpose of all this. So who are the 2024 green medal award winners and what are some of the sustainable practices that they employed that garnered them this recognition? [00:05:39] Allison Jordan: Sure. I'll just run down the list. So every year we give four green medals and they are in the categories of leader. So sort of the overall. Embracing sustainability also in the areas of environment, community, and business. And this again helps us really share in lots of different ways what sustainability is all about. [00:05:58] So for the Leader Award this year, which again is all around that excelling in all three areas of sustainability, being environmentally sound, socially equitable, economically viable. It goes to the Lang Twins family winery and vineyards. They're based in San Joaquin County, just north of Lodi, and have been very involved in sustainability, both in the Lodi region, but statewide for, for many, many years. [00:06:22] Really, since the inception of our programs. And if you think back further, because it's a generational business they've been embracing sustainability since the early seventies. just some of the examples of things that they've done. They've done a lot around habitat restoration projects. I've actually had the chance to just go in and do a walking tour just a couple of weeks ago, and it's just impressive how they've really repaired that riparian habitat, working with local youth and providing hands on environmental stewardship education for them. [00:06:53] But they also started off as a family of growers and built a state of the art winery. Just within the last decade or so and they really included a lot of energy efficient design and solar power technology. So just a really great example. thinking back some of the other past winners in the leader category are Treasury Americas, Wente Family Estates, O'Neill, Vintners and Distillers, and J. Lohr Vineyards and Wines. So some really great examples of leaders in our industry. [00:07:25] The next category would be community. of course, this is all around what vineyards or wineries do to enhance relationships, not only with their employees, but also with the broader community and with their neighbors. [00:07:39] And this year it goes to Cooper Garrod vineyards at Garrod farms, which is a beautiful vineyard and winery, and also a horse farm in the Santa Cruz mountains. really I've known. Doris and Bill for years, Bill was a former chair of the California Sustainable Wine Growing Alliance, and they just give their whole heart to their community. [00:08:00] They have done things like pioneering the FireWise Community Initiative. They actively participate in benefits for their schools, for mental health. They participate in the Chambers of Commerce and the industry groups. And also to foundations. they really invite the community in so they can use their farm's hiking trails and participate in winemaker walks and all kinds of really fun ways to learn about sustainability. [00:08:26] And just thinking back again on some of the past winners in this category, we had Cake Bread Cellars, McManus Family Vineyards, and Smith Family Wines. And there are two more. Do you want me to take a breath or do you want me to keep going? [00:08:40] Craig Macmillan: no. Keep going. This is great. Yeah. [00:08:42] Allison Jordan: All right. So the third category is the environment. Something that I think people think of a lot when they think about sustainability. [00:08:50] there are those vineyards and wineries that are really maximizing environmental benefits. And this year it goes to Gloria Ferrer in the Sonoma region of Carneros. they use regenerative organic farming practice is something we're hearing a lot about. Regenerative is, is the new buzzword in the world of sustainability. [00:09:06] they're introducing biodiverse cover crops implementing high intensity sheep grazing. They create biochar and really thinking a lot about how do you build healthy soils and minimize your overall environmental impact. They've also established wildlife habitat with things like hedgerows and pollinator friendly areas and nesting sites. So they're really attracting that wildlife into their property and fostering biodiversity. [00:09:33] And I can think of some really great past winners too. Tobless Creek, Trefethen, Scheid Family Wines, and also Halter Ranch Vineyards. [00:09:41] So again, some stellar examples of environmental stewardship. [00:09:45] Craig Macmillan: Yeah. Very heady. [00:09:46] Allison Jordan: yeah, exactly, exactly. And we have the Business Award as the final category. And this is given to the Vineyard or winery that best demonstrates smart business practices. So things like looking for those efficiencies and related cost savings and innovation. [00:10:05] And this year's winner for that category is Vino Farms. They are a vineyard management company based in Lodi, but they farm all over the state and they've used all kinds of different advanced technology, for instance, for water use efficiency, they've used Tule towers and soil moisture probes and ceres imagery. [00:10:27] And the idea is to really understand water needs to prevent overwatering and to make sure they have uniform water distribution. And, of course, this can lead to substantial cost savings in addition to saving water. They've also done things like releasing beneficial insects via drones. To reduce the need for pesticide applications. [00:10:46] And of course, again, the associated costs with that. And then they've also done a lot to embrace renewable energy. So they transitioned all of their trucks and tractors to biofuel since 2010. So going way back They use solar panels in their vineyards to power ranch shops and also water pumps. [00:11:06] And some of the other examples of this category winners are Niner Wine Estates, Jackson Family Wines and Monterey Pacific. So some really good examples of both vineyards and wineries that have done some amazing work that are really driving that innovation. [00:11:23] Craig Macmillan: Did you say this is the 10th year? Is that right? [00:11:25] Allison Jordan: It's right. It's the 10th year. So we've now had close to 40 recipients of the Green Medals. We've had a couple of that have won multiple years Tablas Creek being one of them, Trinchero Family Winery being one. So when you look at the full picture, it's probably around 36 different recipients of the award. [00:11:43] And if you visit greenmedal. org, you can see all of the current and past winners and some video highlights of the winners. And just, it's a great way to learn really delve into what does sustainable wine growing mean on the ground. [00:11:56] Craig Macmillan: Yeah, it's, it's another way of having that kind of farmer to farmer, winery to winery contact to see what people are doing and, and how they've made it work and kind of encourages people to try things for themselves. [00:12:09] Allison Jordan: Exactly. Get some good ideas of things that you might want to talk to them about. And I think that's another key thing about wine growing. Virtually all of our green metal recipients, I feel like are leaders in that they're willing to share that information and participate in field days and workshops and all of the things that all of our organizations do to advance sustainability. [00:12:28] And when you look at it, it's amazing. We're the fourth largest wine producing region in the world. And today we have 85 percent of California wine being made in a certified sustainable winery and 67 percent of the acreage is certified to one of the California programs. So it's really exciting to see that level of adoption. [00:12:47] Craig Macmillan: Yeah, we've come a long way. [00:12:49] Allison Jordan: We really have. [00:12:50] Craig Macmillan: We really have. Thanks to the efforts of folks like you. [00:12:53] Allison Jordan: It's been a pleasure to be working in this field for now over 20 years, which is hard to believe. [00:12:57] Craig Macmillan: I know, I know. Is there one thing that you would tell growers regarding this topic in terms of either applying for awards or how to use what you can find from award winners? [00:13:10] Allison Jordan: Yeah. So I feel like the awards is one example of how you really have to think of all of the costs and benefits of sustainable wine growing. And as you explore specific practices to make sure they make sense for your operation. One of the things that I think comes to those vineyards and wineries that are adopting sustainable wine growing is the ability to share their story and the positive public relations around it. [00:13:35] And we can help amplify that through things like the Green Metal Awards. The green metal.org website has lots of great information about, again, the practices being used by the recipients. But also you can learn how to apply if you're a vintner or grower for the 2025 awards the applications will most likely open up around November. [00:13:55] So keep an eye out then and they tend to be due in January. So We will be getting the word out in lots of different ways through the vineyard team and all of our partners and through the California Sustainable Wine Growing Alliance. But you can also just periodically check out greenmetal. org to see if there's any new information about it. [00:14:14] Craig Macmillan: So we've got greenmiddle. org is a great resource. Where else can people find out more about you and your organization? [00:14:20] Allison Jordan: Our organizational website is sustainablewinegrowing. org. We also have one for, basically for more our, our Interested consumers and retailers and other stakeholders. That's all around certification. And that's California sustainable wine.com. And then the last one I'll mention is, is again, just showing the breadth and depth of all of the different initiatives across the state. [00:14:42] So in honor of 30 years of all of the different sustainable initiatives in the state, we put together a website called californiasustainablewinegrowing. org and it has a retrospective of some of the really key milestones. That all of our respective programs have done. So if you're looking for some of that history of how this idea and this approach has evolved in California, that's a really great place to look. [00:15:09] Craig Macmillan: Cool. Well thanks so much for being on the podcast. This is really great. And I'm really happy that we can support some of these leaders and get some of these messages out there. I think it's really important and it's been the mission of all of these organizations. And so to be able to come together for something like this is really great. [00:15:23] Allison Jordan: Yes. It's one of my favorite things of the year. So looking forward to celebrating the winners. [00:15:28] Craig Macmillan: our guest today has been Allison Jordan. She's executive director of the California sustainable wine growing alliance, and we've been talking about the green metal awards here today. Please, by all means, check out the resources we've talked about and think about applying. So I worked for Niner Wine Esates, so we won the business category. [00:15:45] And what we found as we went about it was, it was a great process internally, to list and think about all the things we've been doing. And what we realized was We were doing a lot of things in a variety of areas and you don't see that you're always focused on whatever the current project is, right? [00:16:07] You're always focused on fixing whatever. And when we stopped and actually kind of meditated on it, it was like, wow, you know, there's a lot that we're doing and a lot that's going on. And then it also helped us identify areas where we thought, Hey, you know, maybe we haven't paid attention to this. [00:16:17] Like maybe we should. And I just think that process, regardless of whether you're a winner or not is really valuable. It's a good exercise for people. [00:16:25] Allison Jordan: Yeah, that's a great, great insight. And I do feel like, you know, certification is a great way to tell, to tell a story. your story, but to add credibility to what you're doing, but you still need those examples. And so taking the time to compile those and to really show what you're doing, what you're exceptional at I think is a really great exercise. [00:16:44] So fantastic point, Craig. [00:16:46] Craig Macmillan: All right. Thanks, Allison. [00:16:47] Allison Jordan: Thanks. [00:16:48] Beth Vukmanic: Thank you for listening. Today's podcast was brought to you by San Agro. Westbridge is now San Agro. When the opportunity came to expand their reach and improve the customer's bottom line, they took it. San Agro's commitment to deliver science based solutions for both sustainable crop health And nutrition remains the same. [00:17:11] They offer a full line of plant nutrients, biopesticides, and specialty inputs. Visit san agro. com to learn more, [00:17:20] make sure you check out the show notes for links to all of the 2024 green medal award winners to learn more about Alison and to apply for the 2025 green medal award. You could also listen in to sustainable wine growing podcast episodes. 206, the best newsletter you can send featuring Niner Wine Estates talking about their green medal award and 231 stacking regenerative practices to create a healthy vineyard with a member of the Langtwids family. [00:17:49] If you liked the show, do us a big favor by sharing it with a friend, subscribing and leaving us a review. You can find all of the podcasts at vineyardteam. org slash podcast, and you can reach us at podcast at vineyardteam. org. Until next time, this is Sustainable Wine Growing with the Vineyard Team. Nearly perfect transcription by Descript

Taylor Chalstrom sits down with Natalie Collins, president of California Association of Winegrape Growers, to discuss the impact of wildfire smoke on winegrapes and how the California wine industry is tackling this issue.

In America, small business and entrepreneurship is venerated and often romanticized in popular culture and by the media and politicians. But for aspiring entrepreneurs who are not wealthy or well connected, starting a new business is fraught with challenges and inequities. The data reveals that 85% of our businesses are microenterprises, companies of five or fewer people, launched with $50k or less, often without access to traditional bank products and capital. Unlike tech guys launching a start-up with Silicon Valley investments, these entrepreneurs are often people of color striving to build wealth, generate family legacies and create jobs. What they need, from coaching to capital and community can be found in The California Association for Micro Enterprise Opportunity (CAMEO), a powerful network of 400 CDFIs, community lenders, small business and women's business centers that make success possible for those whom banks do not serve. In this episode of Power Station, Carolina Martinez, CAMEO's exceptional CEO, shares what it takes to build a thriving ecosystem of support for entrepreneurs of color, including policy advocacy and an insistence on corporate accountability. Do not miss this masterclass on how change is made.    

For our final episode of 2024's "Summer Lookback" series, we revisit episode 4 featuring Brent Stratton and Marcus Sprague. Brent is the Assistant Chief at a Southern California Police Department and the President of the California Tactical Officers Association (CATO).  Marcus is a recently retired Lieutenant at a Northern California PD and the Vice President of CATO.  Both Brent and Marcus are graduates of the CARO Strategic Leadership Program.To view the original episode, its follow-up, and recommended reading, please visit: https://thedebrief.live/episodes/?modal-link=https://thedebrief.live/episode-4/

Meet Heather Ozur, the bold new President of the California Association of REALTORSⓇ for 2025. With a background as the 2019 National President for the Women's Council of REALTORSⓇ, Heather is known for her fearless leadership and groundbreaking initiatives. She's here to share her unique insights on driving change, advocating for REALTORSⓇ, and pushing the boundaries of what's possible in the real estate industry.What you'll learn about:Bold Leadership: Discover Heather's strategies for leading a powerful, all-female team and making impactful changes in the industry.Advocacy at Its Best: Learn how CAR is fighting for real estate agents and homeowners, from local to national levels.Innovative Solutions: Get Heather's take on transforming homeownership opportunities and overcoming market challenges.Professionalism Redefined: Hear about new tools and agreements designed to elevate the standards and expectations of real estate agents.Community Impact: Understand the ripple effect of real estate transactions on local economies and how you can leverage this.LinksC.A.R. WebsiteC.A.R. Open Letter_________________Own It WebsiteOwn It Youtube ChannelInstagramFacebookLinkedInTwitter @siderealestateEmail us at ownit@side.com

Starting August 17 we enter into a new era of real estate practice in terms of how the buyer's broker gets compensated for the hard work of the individual buyer's agent.There's a lot of information packed into this short episode. For convenience, please find a transcript to the episode here.I'm going to keep strictly to the facts here. This is not the right time or place to offer an opinion, or to speculate about how all of the following will unfold. Frankly, it will take several months at minimum for each State, each region, each metro, each city, and possibly even each neighborhood to find their new normal.Although these changes are national, I can only discuss the forms that we're using in California since I'm licensed only in California and have access only to the California Association of Realtors forms library.For Buyers: Please find a guide from the National Association of REALTORS® here.For Sellers: Please find a guide from the National Association of REALTORS® here.Declan Spring is a licensed CA REALTOR® DRE#01398898

Join host Adam Schroeder in this insightful episode of the Rent To Retirement Podcast as they dive deep into the world of tax benefits for real estate investors. This episode features Joe Viery, founder of the US Tax Advisor Group, who shares expert knowledge on cost segregation and how it can save you thousands on your taxes.

California Association of Health Plans (CAHP) President and CEO Charles Bacchi joins host Gavin Ward to discuss CAHP's 2024 Initiatives, upcoming CAHP Conference with over California 1,000 healthcare leaders, and more.

This episode covers:In this episode, we discuss the importance of the hypothalamus in maintaining overall health, the role of the hypothalamus in hormonal balance, how to support the hypothalamus through a balanced diet, regular exercise, and adequate sleep, and so much more. Deborah Maragopoulos graduated from UCLA with a Masters in Nursing then went on to study nutritional science, functional medicine, quantum physics, genetics, neuro-immune-endocrinology, and metaphysical healing. After working in a variety of traditional clinical settings for 10 years, she opened a solo private practice where she specializes in natural therapies. Through her extensive clinical research and two decades of collecting empirical data, Deborah developed a unique holistic health care model that blends naturopathic and allopathic therapies. She also created a successful nutraceutical product called Genesis Gold®. This groundbreaking, holistic nutritional supplement, combined with her knowledge of natural healing therapies, has garnered Deborah widespread acclaim. Deborah is the Founder of Full Circle Family Health, Genesis Health Products, Inc and Divine Daughters Unite. She serves as clinical endocrine advisor to Genova Laboratory and Sansum Medical Clinic, and she is also the past president of the California Association of Nurse Practitioners.Links mentioned during this episode:Order Genesis Gold with code LYONS10 for a discount: https://shop.genesisgold.com/discount/LYONS10Deborah's Instagram: https://www.instagram.com/deborahmaragopoulosfnp/Deborah's Book, the Hypothalamus Handbook: https://amzn.to/3UlZhvEDeborah's Hormone Reboot Training: https://genesisgold.com/hormone-reboot-training/Lyons' Share Instagram: www.instagram.com/thelyonsshareJoin Megan's Newsletter: www.thelyonsshare.org/newsletter

Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com The homeownership rate has fallen due to low affordability. This means that there are more renters. There are still just one-half as many housing units as America needs. But it had been one-quarter. New duplexes, triplexes, and fourplexes are vanishing. I describe six reasons why. Two entire US counties now have a median home price of $2M+. Learn where they are. It's better to be an investor than a landlord or flipper. GRE Investment Coach, Naresh, and I discuss how to use a lower down payment to achieve a potential 20% cash-on-cash return with the BRRRR Strategy. Join our live, virtual event for this at: GREwebinars.com. Resources mentioned: Join our live, virtual event for Memphis BRRRR properties on June 25th. Free. Sign up now at: GREwebinars.com For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:01) - Welcome to GRE. I'm your host, Keith Weinhold. Hold properties are vanishing, and sadly, they represent some really good property types that are hardly being built anymore. American housing is changing for good. Two entire U.S. counties now have median home values of $2 million or more. You'll learn where those are and learn about a specific real estate investing strategy, where investors are getting especially high yield returns in today's low affordability market. All today on get rich education.   Robert Syslo (00:00:37) - Since 2014, the powerful Get Rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate, investing in the best markets without losing your time being a flipper or landlord. Show host Keith Weinhold writes for both Forbes and Rich Dad Advisors, and delivers a new show every week. Since 2014, there's been millions of listeners downloads and 188 world nations. He has A-list show guests include top selling personal finance author Robert Kiyosaki. Get Rich education can be heard on every podcast platform.   Robert Syslo (00:01:09) - Plus it has its own dedicated Apple and Android listener. Phone apps build wealth on the go with the get Rich education podcast. Sign up now for the get Rich education podcast or visit get Rich education.com.   Corey Coates (00:01:23) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:39) - What we heard in 188 nations worldwide. I'm your host, Keith Weinhold, and you're listening to get Rich education. Last week, I covered a lot of bad news here as you and I uncovered some real estate problems. Of course, overall, when you're invested in real estate and obtain productive working income for yourself through tenants in their employment, you can almost always play another side of the coin and be profitable because, well, it really comes right back to the fact that real estate pays five ways simultaneously, for example, souring housing affordability. Well, that's bad for homeowners. That's bad news for people that are primarily want to be homeowners and not you. You're an investor. In fact, here's exactly what that means when you're the investor, the homeownership rate has fallen in in the past year.   Keith Weinhold (00:02:38) - It's gone from 66% down to 65.6% due to that low affordability. Okay. Well, that's just a 4/10 of a percent drop in the homeownership rate. And it is poised to fall further. Or what does that 4/10 really mean. Well, that's the proportion of Americans that don't own their homes. So then they have to rent. And this means that there are hundreds of thousands more American renters today than there were just a year ago. And that pushes up rental demand, rental occupancy and the price of rent itself. And that's what you get to capture off from a low affordability problem, which outsiders only think of as bad real estate news, because it is bad news through the lens of that one of your first time homebuyer. Now I want to tell you about the property types that are disappearing. Just vanishing today, and it's the degree to which it's happening that you probably aren't aware of. I'll also tell you why it's personally concerning to me, why this is all going on at all, and I don't even see any reason that it's going to turn around.   Keith Weinhold (00:03:52) - It's probably going to get worse. What's going on is basically that too many builders have thrown their duplex, triplex, and fourplex development plans out the car window like it's an Apple Corps on a summer road trip. They are vanishing. Yes, 2 to 4 unit properties vanishing. In fact, if you're a newsletter subscriber here, you got to see a jarring chart that shows this. And what you'll basically see is that in 2007, the number of 2 to 4 unit properties built just fell off a cliff. It flatlined, and it still hasn't gotten up. The amount constructed now is still just one half to one third of what it had been in pre global financial crisis years. Really they're only closer to a third. All right. So what we're talking about here is only about one third as many duplex triplex and fourplex starts today as there were 20 years ago. And this is sourced by the National Association of Homebuilders. And some call this entire phenomenon M triple M multi families missing middle. And whatever you call this disappearing act.   Keith Weinhold (00:05:10) - Before I get to the reasons for why this is happening, I've got to tell you that this disappearance, it hurts me a little. It's sort of heartfelt because as you know, I began this way with a fourplex that was my first ever property of any kind. You know, the story where I lived in one unit and rented out the other three. It was just an amazing way to start with a bang. Well, now, when we compare this paltry construction, this dearth of. construction today, when we compare that to both smaller property types and larger property types, that being single family homes and five plus unit apartment buildings, will construction of all three of these types fell hard around 2008. But here's the thing. Single family homes and five plus apartment buildings. They got back up around 2010 and they started resuming more building. But duplexes and fourplex, they never did. They never had that happen. The number coming out of the market that just kept flatlining. Those new starts. All right.   Keith Weinhold (00:06:16) - So why exactly is this going on with these vanishing 2 or 3 and four unit property construction types? Why this trend? Well, first, it's NIMBYism, not in my backyard ism primarily of those single family homeowners, because once people are comfy in owning their single family home. Well, then they don't want higher density duplexes in fourplex built in their area. They fear that it can lower their property values. It'll almost certainly increase the traffic around that area. And the second reason is that there simply just been less building overall of most all housing types. And I have discussed this elsewhere, so I won't get into it again. Yes, it is that erstwhile housing supply crash. A third reason for these vanishing 2 to 4 unit properties is the need for zoning reform and the adoption of what's called light touch density. Light touch density. That means a zoning strategy for more dense housing. And what are we up to now for? The fourth reason is that builders, they find more scale efficiencies when they build larger apartments.   Keith Weinhold (00:07:25) - Fifth is limits in international building codes, in international residential codes. And the sixth reason is that this trend began around 2008. These more recent work from home lifestyle starting in 2020. That means that residents can live in single family homes, and they tend to be further from the urban core, rather than 2 to 4 unit properties. And this lifestyle trend right here, that can mean that this disappearing trend for this property type continues. And there you go. They are the six reasons for why. If you were 2 to 4 unit properties are being built today, drastically fewer. And I lament this fact because see duplex the four plex neighborhoods, they can have good walkability where you don't always need a car to get everywhere. And yet at the same time, they still have ample green space. Now, conversely, some fourplex neighborhoods, you know, they can get to look and really junky. Well, they all have different owners. And then there are dumpsters all over the place, like my first fourplex was, and like my second fourplex was as well.   Keith Weinhold (00:08:33) - I really hope that builders become more attracted to the 2 to 4 unit space. See, with giant large apartment complexes, say 300 units. Well, the builder has to wait until the construction of all of those 300 units are done until they can start filling it with rent paying tenants. So therefore builders have to wait longer to start getting that rent income. But instead, construction of this missing middle housing that can be broken into phases. And that way units can be open when they're completed. And that provides early rent revenue to the builder and 2 to 4 unit properties. I mean, they really are an investor sweet spot, but due to builder and lifestyle trends like I'm describing, fewer are being built new. But please remember there were many missing middle properties built decades ago and they can still make good investment properties into the future. In fact, the first two fourplex that I bought were both built in the mid 80s, so there's still plenty that are already out there. The takeaway here for you is that you're going to be seeing fewer new ones, and that means that duplexes to fourplex is now take up a smaller proportion of America's housing stock, and that portion is positioned to become smaller and smaller going forward.   Keith Weinhold (00:09:56) - So it's not that death of these properties. We even have home builders at Gray Marketplace right now with new build 2 to 4 plex. So it isn't their death, but they are dying, waning in number. Now, Jerry recently got Ahold of some jaw dropping info here. I my gosh, now remember a few years ago, maybe even ten or more years ago when you probably heard something like certain small towns in California, Silicon Valley. They now had median priced homes that hit the million dollar mark. And you know, when you first heard that, you might have thought, oh, wow, it's not just neighborhoods, but entire towns in aggregate have hit the million dollar mark in some high priced American places. Well, then get ready for this. As housing affordability makes headlines in California in its wealthiest cities, continue to fight building more housing. We have two Bay area counties, not towns, but entire counties that have hit a milestone. The median price for sold homes there has climbed to $2 million or more.   Keith Weinhold (00:11:15) - We're not just talking 1 million anymore, and we're not just talking about one upper crust town, but two entire California counties now have median home prices of $2 million or more. And notice these are not asking prices. No speculation here. These are the values, the amounts that they have actually sold for. And this is according to a recent California Association of Realtors report. Median homes are now $2 million plus in which two Bay area counties, you might wonder? Well, first, Santa Clara County, which includes San Jose, they notched an even $2 million back in April. And yes, this is more than San Francisco County's $1.8 million. And the second county, it spirals even higher than that. The second California county, with median home prices of 2 million plus is San Mateo County. It's basically a county that lies between San Francisco and San Jose. And that's where the median home price sold for in San Mateo County, California, $2.17 million. Not just one upper crust town, but an entire county.   Keith Weinhold (00:12:38) - Not just $1 million, not even $2 million anymore, but $2.17 million. And this is not for a fancy, lavish home. This is just the median priced home in the middle and San Mateo County that is home to the nation's most expensive zip code, by the way. Atherton, California, where the median home price tops the charts nationally at $7.1 million. That's that is according to Compass Real Estate. And if that's not enough, homes are still flying off the shelves there. They're days on market is now at the lowest since 2022. And though all this sounds pretty astonishing right now, you know what? If you are listening to this episode ten years from now, well into the 2030s, you might think these were the good old days here. How quaint. Because over the next ten years, we all expect more inflation, and we've still got more housing shortage years between now and say, ten years into the future. And of course, here at URI, we don't tend to focus on the high priced markets, which tend to be on the coasts, things like this.   Keith Weinhold (00:13:55) - Really, it's just a harbinger of what's to come to more parts of the nation later on. What we do here is we help you win in real estate without being a landlord and without being a flipper. As a savvy investor that tends to buy either new or fixed up properties and might have a manager manage them for you, hands off is the place to be. Hands off is being an investor, and you get the best tax advantages this way to when your hands off and you know something. Some people that get into real estate investing, they think that they have to be a flipper, or that they have to be a landlord in order to make it profitable. Now, there's nothing wrong with those two disciplines. So much flipping or landlord. I was a landlord for a little while on my own properties. Most of my investment career. I use a property manager and I never flipped. It's just that these things flipping and landlord, they're not any sort of prerequisite to you being a successful investor. You can shortcut all of that with turnkey real estate investing or like with a different strategy that we're going to talk about later today.   Keith Weinhold (00:15:04) - What most people really want is the financial freedom that real estate investing brings. But in order to get there, it's often not the route that you think it is. It's typically not flipping or landlords. And, you know, really it's this way with a lot of things. For example, say that you want to own in ice cream business. Well, most people think that they have to start their own ice cream business from scratch. And like you need to find a space and you need to buy all the equipment and develop systems and go through the excruciating process of hiring all of your staff. No, a lot of times you can shortcut all of that by not starting your own ice cream business, but instead studying, vetting, and buying an existing ice cream business without having to start your own from scratch. Be strategic, study a little, shortcut the process and get in where it's profitable. You want the benefit of owning real estate without having to use a nail gun yourself, or being a manager where you're 25 tenants can text you.   Keith Weinhold (00:16:17) - What kind of life are you building for yourself? Then you want the benefit of owning an ice cream business. The way to get to the end goal. The path there is often different than you think. And here's another example that I can relate to, but I think that you will too. Do you have a favorite real estate? Influencer out there and they think about starting a podcast. Well, I personally know three real estate podcasters out there that have all quit. They produce some episodes and all three quit doing their podcast. And these are just among people I know and just real estate thought leaders. Just that space and all. Recent hosting your own podcast platform is a ton of work from. You need to have a huge bank of your own original content, to having the ability to book big name guests and then making sure they're prepared to. Making sure you have the right marketing team so that a podcast actually reaches the right people. It is work, work, work, and seemingly no one in this world knows that better than me.   Keith Weinhold (00:17:21) - With 500 plus episodes reliably released every single week since 2014, and we don't replay old shows either, there is nothing passive about this. There are so many shows today that if your favorite real estate influencer starts one, they're going to be competing with a lot that are already out there. I mean, anymore, even celebrities that start podcasts, they usually don't get any substantial reach or traction. All these people that start and quit their podcasts, they were too slow to realize that actually they didn't want to host a podcast. What they really wanted is for their voice to be heard. Well, the way to shortcut that, like with turnkey real estate investing or with buying an existing ice cream business, is that that influencer should have developed a strategy for being a guest on other shows that are already popular and established, probably by hiring an experienced and connected booking agent. That way, you've outsourced all of that marketing and research activity to another show that already did that for you. So the point is, be clear on getting what you want.   Keith Weinhold (00:18:34) - What is the goal that you want first, it's probably a large real estate portfolio built for leverage and income, and then work your way back to try to find the most efficient route to get there. And there are often shorter paths to get there than what you first thought. Now, when we talk about where are the best real estate deals today, you have to look harder than you did, say, 8 to 10 years ago. Coming up shortly, you'll have the pleasure of hearing an in-house chat with I in one of Gre's own investment coaches. We're going to talk about a strategy that specific and proven but underutilized in order to recapture those higher cash on cash returns like you could have gotten back in, say, 2015 and 2016. And for a time, I had been talking about how Newbuild properties and their builder interest rate buy downs, that they're really the place to be. And that's still true, but not to the extent that it was just a year ago, because today some builders, they're not paying down your interest rate for you as much as they did last year.   Keith Weinhold (00:19:39) - They're asking you to pay more toward it. Now. A few minutes ago, I told you about America's vanishing duplexes to fourplex. And if you're one of our newsletter readers, you got to see a jarring chart or two that demonstrates exactly what I was talking about there. And also in our newsletter, I show you great maps, real estate maps that beautifully demonstrate housing market trends and where the opportunities are for you. Also, in a recent letter, I showed you exactly where I'm getting 8% interest paid to me and what's basically a savings account. If you don't already subscribe, it is free. Our email letter is called the Don't Quit Your Day Dream letter. It's concise, valuable info that's just good, clean content that I put directly into your hands. It is easier to use than a website. Today's websites have paywalls and cookies, disclaimers or pop up ads. This is just the good stuff directly from me, straight to you. And you can get the letter now at get Rich education com slash letter that's get rich education com slash letter.   Keith Weinhold (00:20:50) - In a world of AI and bots, I actually write every word of the don't quit your daydream letter myself, just like I have from day one. And another easy way to start the free letter is text gray to 66866. Just do it right now while it's on your mind. Text gray to 6686616. I'm Keith Reinhold. You're listening to get Rich education. Your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4%, you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk. Your cash generates up to an 8% return with compound interest year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25 K. You keep getting paid until you decide you want your money back there. Decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor, to earn 8%.   Keith Weinhold (00:22:02) - Hundreds of others are text family 266866. Learn more about Freedom Family Investments Liquidity Fund on your journey to financial freedom through passive income. Text family to 66866. Role under the specific expert with income property, you need Ridge lending group and MLS for 2056 injury history from beginners to veterans. They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your prequalification and chat with President Charlie Ridge. Personally, they'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com. This is peak prosperity.   Robert Syslo (00:23:00) - Chris Martinson, listen to get Rich education with Keith Arnold and don't quit your daydream.   Keith Weinhold (00:23:15) - Hey, would like to welcome in Gray's extraordinary investment coach. He's booksmart because he's got his MBA. He street smart because he's an active direct real estate investor, just like I am. Before joining gray back in 2021, he worked for financial publishing companies and in the banking sector, too and elsewhere. And today is an investment coach here.   Keith Weinhold (00:23:36) - He helps beginning real estate investors understand the process of acquiring rental property, and he helps veteran investors optimize their strategies to save on taxes and more. Hey, it's terrific to welcome back Naresh Vizard. Thanks a lot Keith. It's been a while, but I'm looking forward to talking real estate before we're done. Today, we're going to tell you about an upcoming live GRE virtual event, where you learn how to get 20 to 25% of immediate built in equity through real estate. And before we do the race, let's talk about what's really going on. Besides giving GRE devotees free education and guidance like you do, you also help them find the best deals on income properties nationwide and for a time, brand new build to rent properties they look good in. Many still do with a lot of rate buy downs into the fives and even the fours on those new build properties. But this year, I learned that builders aren't contributing to buying down the race for the investor like they had last year, and that the onus seems to be more on the investor to buy the rate down with some of these builders.   Keith Weinhold (00:24:44) - So tell us more about what's happening in America's build to rent sector. Well, Keith, build to rent. For those who don't know, it's been around here at GRA. Bill to rent asset classes, build to rent real estate. But it's the concept of builders building real estate properties with the intention of selling them to investors so they can rent it out. So right now I live in a house that was built, and I bought it because the builder intended for somebody to buy it and live in it. That's not built to rent. Build to rent is the idea of.   Naresh Vissa (00:25:16) - Specifically selling it to investors like our listeners, like our loyal followers who live out of state and who want to rent the properties out to tenants. Now, Build to Rent was very hot and it's still popular. I don't want to call it hot, but it's still popular for those who want new construction properties. However, the rehabs are making a furious comeback because there was about a four year period from 2019 to 23 or so where you just couldn't find good cash flowing rehabs.   Naresh Vissa (00:25:50) - Right. And when I say rehabs, I mean these older properties that were built 50 years ago, maybe as long as 120 years ago there we have some properties in our inventory that were built in the late 1800s, and they've just kept being rehabbed and rehabbed and renovated. Buildings are making a furious comeback because they're cash flowing better. Previously, they were just cash flowing marginally better than new construction built to rent properties. Now, especially with a strategy called ver, which we'll talk about some more, you can have the opportunity to get cash on cash returns back to what you remember in 2016, 2015 where we're talking 15, 16% cash on cash returns. I mean, some of our BR clients or listeners who ended up buying BRS, they're doing 2021 all the way up to 30% cash on cash returns. So BR simply means buy, rehab, rent, refinance, repeat the cycle. So that's B followed by for Rs b r r r r buy, rehab, rent, refinance. Repeat the process again.   Naresh Vissa (00:27:10) - And it's during that refinance where investors are getting a good chunk of their down payment back. Because what happens in that refinance is after you rehab it and you read it, you rent it out at the target rent, which almost all of these are renting out at very aggressive high target rents. When you refinance it, the property appraises at a value that's much, much greater post rehab than when you initially bought it. And that's where you get essentially your money back. You can choose to keep it in with the mortgage company so you have more equity in the property, or you can take the cash back and use it to buy more BR properties. It's become a very popular. Form of real estate investing. People think when they hear this. Well, it sounds like flipping, right. This is not flipping. Flipping is kind of like day trading. You're looking to make a quick buck, whereas in this case you're not selling the property. You're keeping the property with the intention of renting it out and collecting the cash flow from your tenant.   Naresh Vissa (00:28:19) - So that's in a nutshell, what BRR is. And we are having a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. eastern. Time to talk about and go over this BR process. The bird key process or listeners are familiar with turnkey. Well we have BR key which is similar except it's using the BR method. And Keith, you probably know this and you've talked about it a little bit on your podcast. BR has become the most popular strategy that our investors are utilizing this year, 2024.   Keith Weinhold (00:29:01) - Yeah. Now back to the build to render the new build properties is attractive as they can be because they attract a certain quality of tannin and they're not going to have any maintenance or repair issues, most likely for quite a while. The thing with those is, oh, you might pay 300 K or more for a new build. Single family home in the builder rent style with 20% down payment, 5% for closing costs, you're out of pocket. 75 K.   Keith Weinhold (00:29:30) - One reason that this has become the most popular strategy for gray followers we're talking about here. The BR strategy is that you could come out of pocket with a lot less to begin with.   Naresh Vissa (00:29:42) - That's number one. Number one is we have some GRE followers who went into this Berkey and they put no money down. They got lucky. They initially bought the property, and the property appraised so much that they got their money back and their down payment was actually zero. They didn't make money on it, but what they allocated, what they thought that they would allocate 25% down, they ended up using that money since they got it back to buy a second property and then a third property and then a fourth party. We have one guy who bought six properties, all birds, because he didn't get I don't want to say, look, we're not making promises that you're going to put 0% down. That's not the promises that we're making. The worst case scenario is that you put 25% down and that's your standard real estate investment.   Naresh Vissa (00:30:27) - But there is a chance that you could put 15% down or 10% down if the rehab turns out really well. And if you get a good appraiser, there's a chance it can happen. But the goal here, again, is not to make a quick buck or to house hack. We're not taking shortcuts here. The goal here is simply to buy a property renovated or rehab it and drive up the rent price, drive up the value of the property, put a good tenant in there and call it a day. Collect those cash flows. Now I do want to say a few things about that process. So like I said, the first thing that you do is you buy. So first you buy, then you rehab. You do not have to do we call it Berkey because everything is done for you. So when people hear this, they're like, oh, this sounds like I live in Florida. I don't want to go to Memphis. And by the way, this specific market is in Memphis, Tennessee that we're focusing on.   Naresh Vissa (00:31:26) - We have burrs in Baltimore, Maryland and Philadelphia, Pennsylvania and Pittsburgh, Pennsylvania. But we've identified Memphis as not just the hottest, but it just makes the most sense numbers wise. And so I want to go back to the point of, hey, you don't have to physically go or even go on Google and find handymen or rehab ers to do this for you, our Berkey provider. The best part is they do it all for you. It's completely taken care of. You literally just sign some papers. Once you decide that you like a property and the specs of the property, you sign some papers. They take care of it. The rehab takes about 90 days. Then from rehab to closing, it takes another 40 days or so. And then from closing to someone signing a lease that takes another 30 days to find somebody, stick them in there and takes another 30 days after that for the tenant to move in. So overall, this process can actually take just for one property. You can take six months.   Keith Weinhold (00:32:26) - Now. Naresh has touched on it somewhat. One conventional problem with the Burr strategy by rehab rent, refinance, repeat is that first are the rehab because it involves vetting and managing contractors, which is a real nightmare for many. So instead, we're talking about tapping into a system with a proven team of contractors and lenders and project managers to make it easy. It's known as Berkey, and it's in profitable Memphis.   Naresh Vissa (00:32:54) - Profitable Memphis. And I'll say this about Memphis, we're going to talk. Way more about this on the webinar. Highly recommend people go to GRI webinars. Com gri webinars.com. You can sign up for the webinar there. It's actually live. So this is not like something that you just can show up to whenever you want. It's a live event on Tuesday, June 25th at 8:30 p.m. Eastern Time. That's Tuesday, June 25th at 8:30 p.m. Eastern Time. Great webinars.com is how you can register. And like you said, we could have focused on Baltimore, Maryland or Pittsburgh. Memphis has really and I myself by the way, own five properties and four in Memphis proper.   Naresh Vissa (00:33:42) - And one is in the Memphis area and Mississippi, a suburb of of Memphis. And this I don't want to call it a town, because Memphis used to be one of the most popular towns in the south back in the day. But this city has really come up as a result of pandemic, of population growth, of even inflation. We've seen rents go up, we've seen the population go up. Memphis is not what you think of from eight years ago. Seven years ago when I first bought my properties. I'll admit, when I bought my first property seven years ago in Memphis, I had a lot of problems with tenants. I had a lot of problems with the city. I didn't like what I was reading about the police department, just all sorts of things. Not the police department, just crime in general. And Memphis has really turned itself around. Not completely turned itself around, but it's gotten better. And we're seeing it just on the investment side because that's where we're seeing appreciation growth. My personal properties, they're up since 2020, since January 2020, I was when I closed all my last Memphis property.   Naresh Vissa (00:34:49) - They're all up at least 50% in value. So it's a market that's still appreciating. But the most important thing because we are cash flow investors, not necessarily appreciation investors. It's great to get the appreciation, but the rents keep going up. And I actually today I've talked to a Berkey client, great loyal Jerry listener and follower who ended up buying three properties, and she's on her fourth one, or about to do a fourth one with this Memphis market provider. And when she told me her rents, I was blown away at how much these properties were renting for before the rehab. So it's not just the appreciation again, that goes up after the rehab, how much they were renting for before the rehab. We're talking less than $800 a month and post rehab. Her rents went up by nearly 50%, about 45% on average. House rehab is like three bedroom, one and a half bathroom. Homes initially she bought them. This is how a lot of the properties are. They only had two bedrooms and they converted one of the spaces.   Naresh Vissa (00:36:05) - The rehab were converted at no extra. You know, it's all inclusive of the rehab charges. They were able to find space in a lot of these properties that were two bedrooms to create a third bedroom and turn them into three bedroom properties instead of two bedroom properties, which also improves the value of the home. And you can get another body in there and increase the rent. So, Jerry, listeners have been really, really happy with this burpee process because at the end of the day, you really do get more bang for your buck. Yes, new construction overall. It's just safer. We have tons of great new construction providers, especially in Florida, whom we recommend, but this is an alternative for those people who don't have $100,000 sitting in the bank ready to invest in a new construction, single family, or a new construction duplex. The Berkey, I mean, really all you need is about 20, $25,000 to do it. And like I said, if you get lucky, you could get a decent portion of that back after the rehab.   Keith Weinhold (00:37:08) - Well, you bring up so many good points there in the race. For one thing, with real estate, you can intentionally improve the value. That's something that you cannot do if you own a stock or if you own cryptocurrency, or if you own gold, you can help control what your investment is worth. And a lot of that happens here in the rehab process. Well, the race would love to tell you more, including walking you through an example with numbers, but that's the best place for him to do it. That is on the live event next week because it is co-hosted by narration. You can join the live virtual event from the comfort of your own home. You can ask questions and have them answered in real time. It is all free and we'll also be sharing special off market Berkey inventory. In Memphis for two, three and four bedroom properties, so go ahead and attend on June 25th. Which again is next Tuesday. Be sure to register now at GR webinars.com. Just been great to walk through the Berkey.   Keith Weinhold (00:38:12) - Thanks so much for coming back on the show.   Naresh Vissa (00:38:14) - Thank you. It's been a pleasure.   Keith Weinhold (00:38:21) - Oh good info from Gree investment coach Naresh as always. Next week's live event. That could be a bigger deal than the Paris Olympics this summer and this year's presidential election combined. Oh yes. Well, at least it expects to be more profitable for you than those other events. It will also be more entertaining when you join as an attendee live next week. Certainly more entertaining and informative than Olympic handball and Olympic race walking, no doubt about that. I don't think I've offended any race walking fans because there are only perhaps five in the world. In any case, BR is a process by which, after you buy months later, you can expect to refinance at a higher valuation since the property has been rehabbed from your initial purchase, and then you get a big chunk of your own down payment back, meaning you have less invested in the deal. And that's why you get a higher cash on cash return. Because cash and cash return all that is, is your annual cash flow divided by your initial investment or your starting equity position.   Keith Weinhold (00:39:37) - The last R in BR is repeat. You can repeat sooner because you did get some of your invested cash back. And that's part of what makes the strategy so effective. Now is part of your refi. You might get a post appraisal rehab that's so high you essentially get all of your down payment money returned to you, at which point it would be an infinite return because you don't have anything invested in the deal. But you should not count on having all of it returned, just a lot of it or most of it. Next week's live event is where the BR real estate investing strategy gets introduced to a wider swath of America one last time. Attend live next Tuesday. The 25th. I really encourage you to check it out. Be sure to sign up for the virtual GRE live event now! It's pretty quick and easy to do at GR webinars.com. Until next week, I'm your host, Keith Weintraub. Don't quit your day dream.   Speaker 5 (00:40:41) - Nothing on this show should be considered specific, personal or professional advice.   Speaker 5 (00:40:45) - Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of yet Rich education LLC exclusively.   Robert Syslo (00:41:09) - The preceding program was brought.   Keith Weinhold (00:41:10) - To you by your home for wealth building. Get Rich Education.com.

We're talking rare plants today on the Dig, Plant, Water, Repeat podcast!  Janey welcomes Jeb Bjerke, a rare plant botanist, member of the California Association of Professional Scientists union and a native plant gardener.   Jeb has been helping the California Department of Fish and Wildlife try to prevent the extinction of native California plants.  Janey and Jeb discuss why we should be aware of the rare plants in our communities, and what we can do to help prevent further extinction!Check out Jeb's home garden where he has lovingly grown his own collection of California natives: Seek by iNaturalist AppleSeek by iNaturalist AndroidFrom rare plants, to more common ones, Join Janey on the Dig, Plant, Water, Repeat podcast for fun, engaging and informative gardening inspiration every Monday and Friday wherever you get you podcasts!YouTubeInstagramTikTokFacebook