Podcasts about changing demographics

Key topics in today's conversation include:Previewing Upcoming Episode with MATS (1:31)Podcast Growth and Future Plans (3:34)Mid-America Truck Show Introduction (8:47)Lewie Pugh Joins the Podcast (9:13)Challenges in Finding Qualified Drivers (11:44)Industry Turnover Rates (12:54)Raising Standards in Trucking (14:00)Changing Demographics in Trucking (17:31)Back to Basics in Trucking (19:46)The Importance of Basic Skills (21:55)Upcoming Legislation and Highway Bills (24:13)Equipment Reliability Issues (26:05)Positive Developments in Trucking Legislation (30:26)Discussion on Highway Bill (36:41)Engaging with Lawmakers (37:23)Membership Discounts (38:43)Appreciation for Truckers and Final Thoughts (40:02)Oakley Trucking is a family-owned and operated trucking company headquartered in North Little Rock, Arkansas. For more information, check out our show website: podcast.bruceoakley.com.

Welcome to the latest episode of L.I.F.T.S – your bite-sized dose of the Latest Industry Fitness Trends and Stories. Hosts Matthew Januszek, Co-Founder of Escape Fitness and Mo Iqbal, Founder & CEO of SweatWorks attended Connected Health & Fitness Summit event in Los Angeles.  Thank you to our sponsor, Flex (withflex.com) of these LIFTS episodes. Flex is the holistic solution for accepting HSA/FSA. They work with their partners to navigate the regulatory and compliance landscape.  In this LIFTS episode, Matthew and Mo are joined by Carl Daikeler, CEO of The Beachbody Company.   This episode covers: Beachbody's founding and early successes. Transition from VHS to digital subscriptions. Creating effective, results-driven fitness programs. Developing "Super Trainers" and 90-day program structures. Disrupting lifestyle priorities. Challenges of digital and subscription models. Adapting to changing demographics. Shift from multi-level marketing to direct-to-consumer. Engaging different generations.   To learn more about BODi, click here: https://www.beachbodyondemand.com/   To learn more about the Connected Health & Fitness Summit, click here: https://connectedhealthandfitness.com ====================================================== Support fitness industry news by sponsoring future LIFTS episodes. Contact us at marketing@escapefitness.com for advertising opportunities. Subscribe to our YouTube channel and turn on your notifications so you never miss a new video when it's published: https://www.youtube.com/user/EscapeFitness Shop gym equipment: https://escapefitness.com/shop View our full catalog: https://escapefitness.com/support/catalog (US) https://escapefitness.com/support/catalogue (UK)  ====================================================== Facebook: https://www.facebook.com/Escapefitness Instagram: https://www.instagram.com/escapefitness Twitter: https://www.twitter.com/escapefitness LinkedIn: https://www.linkedin.com/company/escapefitness/   00:00 Intro 03:14 Evolution of Beachbody and Digital Transformation 04:56 Challenges and Lessons Learnt in the Fitness Industry 07:42 Developing Super Trainers and Program Structure 12:33 Disrupting Lifestyles and Priorities 14:56 Challenges of Going Digital Subscription Models 21: 35 Adapting to Changing Demographics and Preferences 44:36 Transitioning from Multi-Level Marketing to Direct-to-Consumer 50:26 Personal Health and Wellness Habits

Chip Scoggins has an interesting column in the Star Tribune about how shifting demographics in the state are changing which high school sports are drawing interest from kids. Jason talks with Koua Yang, the Activities Director at St. Paul Como Park High School about his experience. (Picture courtesy of the MN State High School League)

Navigating Pediatrics: Evolution, Challenges, and Advocacy with Dr. BryanIn this episode, sponsored by Hippo Health, the hosts welcome Dr. Bryan to discuss his extensive experience in pediatric care since 1996. Starting from how he became a pediatrician, the conversation covers the evolution of his practice in Manassas, Virginia, including the shifts in patient demographics, the impact of healthcare policies, and the challenges posed by corporate medicine. Dr. Bryan shares insights into treating a diverse patient population, the administrative hurdles faced due to Medicaid's complex systems, and the critical issue of pediatric obesity and mental health within his community. The discussion also explores the role and efficacy of the American Academy of Pediatrics (AAP), highlighting the need for structural changes to better support pediatricians and improve child healthcare. The episode concludes with reflections on the importance of local and national advocacy in addressing systemic healthcare issues.00:00 Introduction and Sponsor Message00:46 Welcoming Dr. Brian: A Journey Through Pediatrics01:42 Challenges in Pediatric Practice03:52 The Evolution of Pediatric Care in Manassas04:47 The Impact of Corporate Medicine04:55 The Role of Hospitalists and Urgent Care13:00 The Struggles of Medicaid and Community Medicine27:34 The Changing Demographics and Challenges in Pediatric Care37:36 Genetic and Dietary Factors in Type 2 Diabetes38:03 Public Health Emergency Among Children38:45 Challenges in Addressing Health Issues39:03 Educational Deficiencies and Health40:02 Case Study: A 19-Year-Old Patient41:24 School Phobia and Family Dynamics43:08 Community and Familial Approaches to Health43:33 The Role of Physicians Beyond Prescriptions45:14 Systemic Issues in Healthcare Access47:56 Medicaid and Practice Management Challenges55:10 Unfunded Mandates and Their Impact01:03:06 Critique of the American Academy of Pediatrics01:04:34 Hope for Change in Pediatric Healthcare01:10:04 Concluding Remarks and Future OutlookSupport the show

Even top fitness coaches face the realities of aging. Tune in now to hear how they've adapted and how you can too.Timestamps of big takeaways[00:22] From Young Trainer to Experienced CoachCoach Valerie shares her story of starting as a 19-year-old trainer, and the valuable lesson she learned early on: "not everyone's 19." Listen to how her perspective on coaching and training has evolved over 35 years.[04:07] The Changing Demographics of RunRXMore runners in their 50s, 60s, and even 70s are joining RunRX. Age is NOT a barrier to starting your running journey![04:50] A Humbling InjuryCoach Valerie opens up about a significant injury that changed her perspective on rehabilitation, and the importance of proper warm-ups. Even as an experienced coach, she had to learn to practice what she preaches.[08:15] The Unexpected Injury DetailsCoach Valerie reveals her injury didn't come from running. Tune in here for her important insights about how the body works as one unit during rehabilitation.You can't just focus on the injured area.[10:11] Mind-Body ConnectionThe coaches discuss a Zoom session where runners learned to isolate and activate their glutes.[11:47] A Real-World Example of Age ImpactCoach Caroline shares about her husband's return to exercise in his 40s versus his 50s.Recovery and adaptation change dramatically with age. [13:28] Understanding Muscle ElasticityTune in here to learn how elasticity works in our bodies and why it matters for runners of all ages.Did you know you have plenty of available elasticity until age 85? We'll tell you how to tap into it.[16:09] An Inspiring 83-Year-Old's Workout StoryCoach Valerie shares a touching story about her 83-year-old father's workout routine, demonstrating that consistency and movement are possible at any age.His "half workout" turned into a full one once he got moving. Sometimes starting is the hardest part![17:12] The Value of Having a CoachHaving a coach isn't just about following a plan - it's about having someone who can help you modify movements, work through injuries, and maintain accountability at any age or fitness level.[19:30] How to Connect with RunRXLearn how you can join the RunRX community and get your questions answered on future episodes.Rate, Review & Subscribe ReminderDon't forget to like and subscribe to our show. You can also rate and review our show on Apple Podcasts! We're on Spotify as well!Links to check out-- https://www.runrx.fit/-- FREE 30 day reboot on YouTube by RunRX https://www.youtube.com/playlist?list=PLDPcF8ZrDdILC8bYyn2zR-4xvqKRzp2re-- Follow us on Facebook https://www.facebook.com/runrxfit/ and Instagram https://www.instagram.com/runrx/ -- Have questions? Email us at support@runrx.fit-- Subscribe to Our YouTube Channel: https://www.youtube.com/@RunRX

In this episode of 'Sorry We're Closed', Pat and Tevo discuss the recent launch of the Christmas theme at the Waiting Room, the challenges of managing a busy/growing restaurant. They also explore Gen Z's perception of success in terms of salary expectations, comparing it to millennials and boomers, and conclude with insights on the average US salary. They explore the financial realities faced by young professionals, the changing dynamics of the bar industry, and the opportunities presented by the creator economy. The discussion also touches on the struggles of living in high-cost areas like New York City and the evolving expectations of financial success across generations. Newsletter https://t.co/FJ2fkNOkeM YouTube and Socials https://mtr.bio/sorry-were-closed-Pod 00:00 Welcome and Introduction 02:50 The Waiting Room's Holiday Launch 06:02 Challenges of Managing a Busy Restaurant 08:57 Streaming Trends During COVID 11:53 Gen Z's Perception of Success 21:11 Average US Salary Insights 21:36 Challenges in Hiring and Managing Costs 30:44 Changing Demographics in the Bar Industry 32:41 The Struggles of Young Professionals 34:23 The Cost of Living in New York City 36:43 Pricing Strategies in the Bar Industry 38:09 Transforming Business Models for Success 46:14 Generational Perspectives on Financial Success

In this week's episode of Politics In Question Lee talks with Jocelyn Kiley to discuss the Pew Report, Changing Partisan Coalitions in a Politically Divided Nation. Kiley is a Senior Associate Director of Research at Pew Research Center.What are the most important demographic groups within each party? What is the correlation between age and partisanship? How are partisan divisions reinforced by demographic differences? These are some of the questions Lee and Jocelyn ask in this week's episode.

How Law Firms Will Win in 2025 Part 1.Legal Mastermind Podcast hosts Eric Bersano and Ryan Klein discuss the viewpoints and goals that your law firm needs to consider when preparing for 2025 and beyond.Connect with Market My Market on LinkedIn: https://www.linkedin.com/company/market-my-marketConnect with Eric on LinkedIn: https://www.linkedin.com/in/ericbersano/ Connect with Ryan on LinkedIn: https://www.linkedin.com/in/ryklein/Visit Market My Market's Website: www.marketmymarket.com/On This Episode, We Discuss…How To Capitalize on Evolving Digital TrendsWhy SEO is Just One Part of the PuzzleHow Law Firms Can Adapt to Changing Demographics and Digital References  Market My Market's Blueprint for Sustainable Law Firm Growth

Welcome to a new episode of the Kaya Cast Podcast, where we explore the dynamic world of the cannabis industry. In today's episode, we have the pleasure of speaking with Amanda Reiman, Chief Knowledge Officer of New Frontier Data, a leader in consumer cannabis data since 2015. Join us as we dive deep into the evolving consumer trends shaping both emerging and mature cannabis markets and discuss strategies for competing with the enduring gray market in states like New York and California.Amanda provides us with an insightful look into the shift toward non-smoked methods of cannabis consumption and the developing sophistication among consumers, moving beyond just choosing between Indica and Sativa to understanding terpene profiles, potency levels, and the unique effects of minor cannabinoids like CBN. We also discuss the impact of new technologies such as nanoemulsification on the edibles market, potentially revolutionizing consumer experiences by offering faster onset times and a more manageable high.Further into our conversation, Amanda shares strategies for cannabis retailers to attract and increase their customer base and basket size using targeted data-driven approaches. Learn about the importance of understanding your customer demographics and preferences, and how to leverage this information to tailor offerings that meet specific consumer needs.We also explore the broader implications of regulatory changes on the cannabis beverage market and the future potential of consumption lounges as community-focused, safe spaces for consumption. Lastly, Amanda gives us a sneak peek into her educational project, My Personal Plants, and sheds light on the importance of fostering an informed and healthy relationship with cannabis.Whether you're a cannabis business owner, industry professional, or just a curious listener, this episode offers valuable perspectives on the future of cannabis consumption and how businesses can adapt and thrive in this ever-changing landscape.Available on Spotify, Apple Podcasts, and wherever you get your podcasts.Learn more about New Frontier Data here:https://newfrontierdata.com/https://www.instagram.com/newfrontierdata/https://www.linkedin.com/company/newfrontierdata/Find out more about Amanda here:https://www.linkedin.com/in/amanda-reiman-phd-msw/https://www.mypersonalplants.com/Highlights:00:00 Introduction and Welcome00:05 Consumer Behavior in Emerging vs. Mature Markets00:38 Shift Towards Non-Smoked Methods of Consumption01:58 Sophistication and Changing Demographics in Cannabis Consumption03:35 Challenges for Legal Retailers in Emerging Markets07:38 The Role of Nanoemulsification in Edibles12:22 Leveraging Data to Attract More Customers20:12 Educating on Cannabis for Sleep20:50 Barriers to Medical Cannabis Adoption22:33 Cannabis Beverage Industry Insights23:58 The Future of Consumption Lounges25:33 Historical Context of Social Consumption27:38 Health Risks and Safety in Consumption Lounges30:25 Leveraging Data for Retail Success36:55 My Personal Plants: A Balanced Approach to Cannabis42:18 Conclusion and Contact Information#KayaCastPodcast #CannabisIndustry #NewFrontierData #ConsumerTrends #GrayMarket #EmergingMarkets #MatureMarkets #NonSmokedCannabis #TerpeneProfiles #PotencyLevels #MinorCannabinoids #CBN #Nanoemulsification #EdiblesMarket #DataDrivenApproaches #CustomerDemographics #TargetedOfferings #RegulatoryChanges #CannabisBeverageMarket #ConsumptionLounges #CommunitySpaces #EducationalProject #MyPersonalPlants #InformedCannabisConsumption #Spotify #ApplePodcasts #PodcastListeners #CannabisBusinessOwners #IndustryProfessionals #CannabisEducation #FosteringHealthyRelationships #NewEpisode #AmandaReiman #ChiefKnowledgeOfficer #RetailSuccess #HealthRisks #Safety #FutureofCannabisConsumption #ContactInformation.

Demography is destiny and thus a critical consideration for the long-term investor. What are the long-term trends and how will they affect markets? Speakers: Jan Loeys, Long-term Strategy Alexander Wise, Long-term Strategy This podcast was recorded on 9 October 2024. This communication is provided for information purposes only. Institutional clients can view the related report at https://www.jpmm.com/research/content/GPS-4800176-0 for more information; please visit www.jpmm.com/research/disclosures for important disclosures. © 2024 JPMorgan Chase & Co. All rights reserved. This material or any portion hereof may not be reprinted, sold or redistributed without the written consent of J.P. Morgan. It is strictly prohibited to use or share without prior written consent from J.P. Morgan any research material received from J.P. Morgan or an authorized third-party (“J.P. Morgan Data”) in any third-party artificial intelligence (“AI”) systems or models when such J.P. Morgan Data is accessible by a third-party. It is permissible to use J.P. Morgan Data for internal business purposes only in an AI system or model that protects the confidentiality of J.P. Morgan Data so as to prevent any and all access to or use of such J.P. Morgan Data by any third-party.

Tackling the Pediatric Workforce Crisis: Ensuring a Brighter Future for Children's HealthIn this episode, the host celebrates Dr. Jesse Hackell for receiving the 'Buzzy' Award, recognizing his contributions to children's health. The discussion centers on the growing crisis in the pediatric workforce, driven by compensation issues and the undervaluation of pediatric services. Key topics include revisiting the 'Medicaid for All Children' policy for better access to preventive care, addressing the rise in mental health and chronic disease cases, and overcoming technological and administrative barriers. Proposed solutions focus on fair compensation, advocacy for systemic changes, and stronger support for pediatric professionals to secure comprehensive care and a sustainable future for children's health.00:00 Introduction and Editorial Note00:22 Addressing the Workforce Crisis in Primary Care00:32 Medicaid for All Children Policy Discussion01:16 Preparing for NCE and Introducing Dr. Jesse Hackell01:29 Pediatric Workforce Issues and Potential Resolutions02:29 Role and Challenges of COPAM05:17 Pediatric Workforce Crisis: Current Trends and Challenges06:47 Changing Demographics and Health Needs in Pediatrics11:44 Impact of Technology and Documentation on Pediatric Care15:39 Burnout and Moral Injury in Pediatrics28:29 Economic Disparities in Pediatric Subspecialties50:09 The Cost of Preventive Care for Children50:29 Insurance and Preventive Care: A National Commitment52:42 The Role of Federal Government in Healthcare Funding53:31 Advocacy and Political Influence in Child Healthcare56:23 Challenges in Medicaid and Preventive Care59:00 The Importance of Preventive Care Codes01:01:56 Medicaid for All: Pros and Cons01:07:58 The Role of Pediatricians and the Academy01:30:25 Administrative Burdens in Healthcare01:33:46 The Future of Pediatric CareSupport the show

The global church is shifting. The West is no longer the center of the church universe. How are these shifts affecting mission work? How is it affecting missionaries? And, what can we learn from those outside the West about mission work today? Our guest this episode, Dr. Todd Johnson, is a specialist in the ever-shifting presence of the church in the world. He offers some unique insights into these changes and what it means for those of us in the West. That's on this episode Missions Today! www.missionstoday.com Dr. Todd Johnson Info

Plan B Workshop https://www.crisisinvesting.com/p/plan-b-workshop-replay   Authoritarian instincts are on the rise.  00:00 The Conspiracy Theory Unveiled 00:24 Government Functionality and Encyclopedia Britannica 01:39 Wokeness in Historical Narratives 03:56 Election Security Concerns 05:06 January 6th Prosecutions and Future Implications 10:21 Authoritarianism and Civil Unrest 16:41 Global Trends in Authoritarianism 22:33 The Changing Demographics of Europe 23:58 Political Shifts and Historical Parallels 24:53 The Rise of Authoritarianism in Europe 25:37 The Arrest of Telegram's Founder 31:36 Personal Responsibility in Times of Crisis 39:48 The Reality of Political Risks

SummaryIn this conversation, the hosts discuss their recent experiences and catch up with each other. Kevin shares his experience helping a friend clean out his house and garage, which included throwing away a large amount of junk. They also talk about motorcycles and the current state of the motorcycle industry. They discuss the popularity of cafe racer-style bikes and the lack of technological advancements in motorcycles compared to cars. The conversation touches on the decline in motorcycle ownership and the changing demographics of motorcycle riders. In this part of the conversation, the hosts discuss their go-to NATO straps for their watches. They mention different brands like Cheap NATO Straps, Crown and Buckle, and Blue Shark. They also talk about the comfort and versatility of NATO straps. The conversation then shifts to the topic of electric cars, specifically the Tesla Semi catching fire and the potential safety concerns of electric vehicles. They also mention the rumor of Toyota working on a new MR2 and the discontinuation of the Toyota Supra. The hosts express their excitement for the new MR2 and discuss the design and performance of the car. They also touch on the Lexus LC 500 and its lack of popularity despite its attractive design. The conversation ends with a suggestion for Toyota to create a dedicated sports car segment under the TRD brand. In this conversation, the hosts discuss various car models and modifications. They talk about the Toyota GR 86 and its price point compared to other sports cars. They also mention the Acura Integra race version and the BMW M5 wagon. The hosts share their thoughts on front-wheel drive vehicles and the weight of cars. They discuss their own car modifications and future plans. The conversation ends with a whiskey recommendation.

Marion County, Indiana's largest and most populous county, crossed a demographic milestone, becoming majority non-white between 2020 and 2023, according to recent U.S. Census Bureau data. During this period, the county also experienced a shift in its population demographics, recording a net loss of approximately 8,000 residents, according to the data.The county saw gains of about 7,000 Black residents, 5,000 Hispanic residents, and 3,900 Asian residents, while also noting a decrease of nearly 200 Native American residents.To dive deeper into the implications of these changes, News 8 contributor Emil Ekiyor unpacked the significance of Marion County's evolving demographics.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Say thanks and learn more about our podcast sponsor Omnisend. In this episode of WP Minute+, host Matt Medeiros sits down with Cory Miller, founder of iThemes and current owner of Post Status. Cory shares insights about his new role at A2 Hosting, the challenges of burnout in the WordPress ecosystem, and how Post Status continues to operate without his day-to-day involvement.This episode provides valuable insights for WordPress professionals on navigating career transitions, managing burnout, and contributing to the WordPress ecosystem. Cory's experience as both an entrepreneur and now an employee at a hosting company offers a unique perspective on the challenges and opportunities within the WordPress community.Key Takeaways for WordPress Professionals:The importance of recognizing and addressing burnout in entrepreneurshipTransitioning from being a full-time entrepreneur to working for a companyThe challenges of running community-focused businesses in the WordPress ecosystemThe value of in-person events like WordCamps for community buildingThe need for sustainable funding models for WordPress media and eventsThe importance of detaching personal identity from business rolesRecognizing the changing demographics of WordPress users and community membersThe balance between taking from and giving back to the WordPress ecosystemImportant URLs mentioned:A2 HostingPost StatusiThemesCory on XChapter Titles with Timestamps:[00:00:00] Introduction and Cory's WordPress Background[00:04:00] WordCamp Canada and Community Building[00:12:00] Cory's Experience with Burnout[00:23:51] Transitioning from Entrepreneur to Employee[00:29:00] Cory's Role at A2 Hosting[00:38:00] Hosting Companies' Role in the WordPress Ecosystem[00:43:00] The Future of Post Status[00:46:00] Changing Demographics in the WordPress Community[00:49:00] Giving Back to WordPress ★ Support this podcast ★

Send us a Text Message.Join us on the Harvest Your Own Podcast with host Brad Fenson as we welcome Fatima Dhooma, an inspiring voice in the world of hunting and nutrition.  Fatima shares her incredible journey from city life in Toronto to embracing the wilds of northern Alberta. Listen as she talks about her love for food, her cultural heritage, and how she integrates wild game into her culinary creations. Discover Fatima's passion for sustainable living, the importance of mentorship, and her unique recipes that bring together traditional flavors with wild game. This episode is filled with heartfelt stories and practical tips for anyone interested in hunting, cooking, and connecting with nature.CBC featured Fatima's story, highlighting her relationship with harvesting ethical food. You can find it by Googling “CBC Hunters are on the rise in Alberta – many of them are women”.

Global demographics are rapidly changing. Global population is rapidly shifting. Countries like China are ramping up pork production. What about the aging of the population in general and how might that impact demand for pork products in the future? It is no longer about how we feed the world but rather what does the world want from us.Hosts for this episode are Sarah Muirhead of Feedstuffs and Mark Huslebus of Alltech. Todd Thurman, President of Swine Insights International, joins as their guest. Thurman spends a lot of time in China and other international markets and shares a very insightful and unique perspective on the global pork industry and U.S. industry's role in that global network. Feedstuffs Pork Nation is brought to you by Alltech. Alltech delivers smarter, more sustainable solutions for agriculture through a diverse portfolio of products and services.Contact the Alltech Pork Team or visit go.alltech.com/swine-research to learn more.Don't miss an episode of Feedstuffs Pork Nation. Sign-up now in your favorite podcast channel.   

In 2017, Todd Thurman Founded Swine Insights International, (formerly SwineTex Consulting Services) a swine management consultancy focused on helping clients improve the efficiency and profitability of their operations. Prior to that, he amassed more than 18 years of valuable experience in the corporate agriculture sector working for and collaborating with large scale pork producers and agriculture companies around the world. In this thought-provoking episode of the Intentional Agribusiness Leader podcast, we delve into the mind of Todd Thurman, a strategist and consultant who's at the forefront of agricultural leadership. The conversation sheds light on the essence of intentional leadership, the importance of aligning day-to-day actions with larger missions, and tackling pressing issues like labor challenges in agriculture.The dialogue pivots towards the critical need for forward-thinking in the agribusiness sector, emphasizing the value of strategic foresight. Tod and the host rigorously explore the dynamic changes within the global population and labor force, especially in key markets like China, highlighting the significant implications these shits have on the agricultural industry and food production systems.Key Takeaways:Being intentional means mindfully aligning your daily actions with your greater mission and purpose.Creativity in labor sourcing and job redefinition is pivotal in addressing the top challenges faced across the global agricultural sector.Labor challenges are a universal concern, necessitating non-traditional approaches for sustainable solutions.Strategic foresight is a critical skill set for agriculture leaders to develop, focusing on plausible future scenarios to prepare for changes in labor, technology, and market demands.Global population trends are shifting and may not align with past predictions, which could dramatically influence the demand for and the distribution of food worldwide.Notable Quotes:"No matter where I'm working with clients... the two issues that come up everywhere I go in the world are animal health and labor.""We've really got to get outside the box on that [labor and talent development].""Cheap labor is a myth, but it does drive behavior on both the employee and the employer side.""We're not trying to predict the future, we're trying to predict the futures.""There's no reason you have to quit being proud of what we've accomplished in order to realize that things are changing and we're going to have to make some adjustments."Resources:Todd Thurman's LinkedIn profile. Swine Insights - swineinsights.comEngage with the complexities and the enlightening discussions in the full episode for a deeper understanding and gain valuable insights into the intentional leadership required to navigate today's agribusiness landscape. Stay tuned for more revealing content that promises to broaden your perspective and equip you with knowledge to lead with intention in the ever-evolving agricultural sector.

When the unmistakable cry of a newborn fills the air, a father's life is forever transformed. Dr. Nathan Riley, OBGYN, joins us to share his deeply personal and professional insights on the sacred journey of birth and fatherhood. As men, we usually leap to solve problems, but Dr. Riley guides us through the subtle art of being present for our partners, underscoring the emotional, not just physical, transformation of childbirth. In an era where the paternal presence in the birthing room is evolving, we traverse the landscape of modern fatherhood, discussing how to offer strength like the banks of a river, allowing the divine flow of the experience to unfold.Amidst the visceral emotions of parenthood, Dr. Riley recounts his own poignant experience of loss and how it fueled his passion for compassionate care. Our conversation reveals the Born Free Method, which champions the idea of childbirth as a natural event rather than a medical emergency. We confront the healthcare system's quick-fix mentality and reimagine a birth process where interventions are minimized, and the bond between parents is fortified. The complexities of supporting a natural birth environment come to light, highlighting the indispensable role of oxytocin and the importance of preparing both the mind and space for this life-changing event.Dr. Riley's journey isn't just about new life; it's also about the constant interplay of strength and vulnerability in our relationships. We discuss the power of emotional availability and the need to make our partners feel seen and understood beyond societal beauty standards and superficial fixes. Emotional release, rites of passage, and the shared endurance that bonds us—these themes weave through our tales, from the rawness of Burning Man to the transformative pain of tattoos as a metaphor for childbirth. We invite you to deepen your understanding of these profound life experiences and join our holistic OBGYN community, where the conversation continues to empower and enlighten.Key Moments07:53 The Born Free Method: A New Approach to Pregnancy and Childbirth18:44 The Role of Masculinity in Childbirth23:43 Understanding the Role of Men in Childbirth25:59 The Shift in Men's Perspective on Childbirth26:31 The Changing Demographics of Parenthood27:17 The Challenge of Connecting Deeply with Your Partner29:38 The Power of Empathy and Understanding in Relationships32:11 The Impact of Cultural and Societal Expectations on Childbirth33:33 The Role of Men in Supporting Women During Childbirth35:10 The Role of Tattoos as a Rite of Passage36:12 Understanding the Pain and Trauma of Childbirth40:54 The Joy and Challenges of ParenthoodHow to reach Nathan

Lacy Garcia is the founder and CEO of Willow, the award-winning WealthTech platform that helps financial professionals and firms better serve tomorrow's investors. With a career at the intersection of financial services, women's empowerment, and education, Lacy understands the challenges of meeting the needs of a more diverse generation of clients.Lacy discusses her journey to financial services; the changing demographics of investors; and how financial professionals can prepare for the next generation of clients.Follow Lacy Garcia on Linkedin See more retirement risk management insights from Allianz... Allianz Life Insurance Company of North America (Allianz) and Allianz Life Financial Services, LLC are not affiliated with our podcast guests or their companies. Any links to the podcast guest's website is being provided as a service to you. Opinions expressed by the podcast guests are not necessarily those of Allianz or its affiliates. Please note that the information and opinions are provided by third parties and sources believed to be reliable, but accuracy and completeness cannot be guaranteed. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.Allianz Life Insurance Company of North America has been keeping its promises since 1896 by helping Americans achieve their retirement income and protection goals with a variety of annuity and life insurance products.Allianz Life Insurance Company of North America (Allianz) does not provide financial planning services.This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties; nor is it intended to market, promote, or recommend any tax plan or arrangement. Allianz Life Insurance Company of North America, its affiliates, and their employees and representatives do not give legal or tax advice or advice related to Social Security or Medicare. Customers are encouraged to consult with their own legal, tax, and financial professionals for specific advice or product recommendations, or the Social Security Administration (SSA) office for their particular situation.Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America. Registered index-linked annuity (RILA) guarantees do not apply to the performance of the variable subaccounts, which will fluctuate with market conditions.Products are issued by Allianz Life Insurance Company of North America. Registered index-linked annuities (RILAs) are distributed by its affiliate, Allianz Life Financial Services, LLC, member FINRA, 5701 Golden Hills Drive, Minneapolis, MN 55416-1297. 800.542.5427 www.allianzlife.comThis content does not apply in the state of New York.For financial professional use only – not for use with the public.

This week, The Green brings you a portion of the latest episode of the Delaware Humanities' podcast 2023/1973 In Conversation. The podcast celebrates Delaware Humanities' 50th anniversary by focusing on the conversations it's engaged in with Delawareans for more than 50 years and continues to encourage today.In this episode, Ed Ratledge – Director of the University of Delaware's Center for Applied Demography and Survey Research – examines the First State's demographic shifts and the issues communities face as those demographics change.

The world's population is projected to become more urbanised, with 68% living in cities by 2050, according to our guests Kate Hewitt and Harriet Topham, ESG and Impact specialists at Montanaro Asset Management. We dive into this theme of the built environment, changing demographics and urbanisation's impact on investments. Harriet illustrates the point with examples from the Montanaro Better World fund such as Marshalls, Bentley Systems, and Sdiptech. The discussion ends with the importance of achieving net zero targets by 2050 and Montanaro's role in the sustainability journey of smaller companies.What's covered in this episode: What is impact investing? How is ESG embedded at Montanaro?The six themes within the Montanaro Better World fundThe UN's Sustainable Development GoalsHow changes in demographics and urbanisation require sustainable solutionsWhat is the built environment? Three companies contributing to sustainable urban developmentWhat are digital twins?The importance of achieving net zero targetsThe difference between science-based targets and non-science-based targetsWhy engagement with companies is crucialHow Montanaro provides guidance to firms just starting out on the path toward sustainabilityMore about the fund: The Montanaro Better World fund is a global equities fund that focuses on identifying medium and small-sized businesses. These businesses are selected based on their products or services, which have a positive impact on the world. The fund employs a straightforward positive impact screening process, which aligns well with its overall strategy. Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.Learn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

Western Civilization Has Been Destroyed by Diversity For decades liberal gentiles and jews have been lying to us that diversity within a single country is wonderful. Hiding behind this lie is an agenda to undermine every Western country by destroying its unity. The tool used was massive non-white immigration, supplemented in the United States with teaching blacks racial hatred of whites. If you think blacks have not been taught to hate whites, watch the 13 minute video included in Fred Reed's article and listen to blacks tell you how much they hate you ( https://www.unz.com/freed/blackness-fatigue-enough-is-too-much/ ). Not all blacks, of... View Article

How do you use data to identify membership trends? Are you listening to what your members are saying about their needs and desires? In this episode of Associations Thrive, host Joanna Pineda interviews John Tramontana, CEO at Michigan Veterinary Medical Association (MVMA). John discusses:How MVMA promotes and advances veterinary medicine throughout Michigan.The diverse environments in which his members work.What it was like to be a veterinarian during the pandemic.How vets shifted their business practices during the pandemic, including telehealth visits with established clients. Yes, vets performed pet exams over Zoom and set up curbside visits!How MVMA is trying to really listen to their members.How MVMA is using data to understand member trends and shifts in demographics.How veterinary medicine has shifted from being male-dominated to women-dominated.MVMA's Power of 10 Leadership Academy.How and why MVMA added an organization-based member type in 2022.References:MVMA Website

With a worldwide box office of $1B, there is no denying the massive appeal and success of Barbie, the movie that has become a movement.  In this episode, Cecile, Juan, and Shawn breakdown Barbie, give their thoughts on the movie and the inter-generational, cross-cultural, and overall appeal of the iconic Mattel brand. They discuss how Director/Writer Greta Gerwig does a brilliant job introducing some heady societal themes in a hyper-visual, colorful, depiction that is entertaining yet nuanced on many levels.

In this episode of the Million Dollar Mastermind podcast, Host Larry Weidel is joined by Joseph Santana, the Chairman of CDO PowerCircle. During their discussion, they delve into the importance of attracting and developing the best people. Joseph shares his belief that a leader should be more of a coach than a mentor, tapping into the skills and potential of their team members. They talk about the need for diversity, equity, and inclusion in the workforce to adapt to the changing demographics of the 21st century.

Today's Guest is Charles Bulthuis   Charles Bulthuis is a CRE Broker and the President & Founder of Reformation Asset Management. A Veteran, Certified Residential Specialist, Accredited Buyers Representative, and Honorary CCIM, Charles has spent the 30 years refining his innovative insights. -------------------------------------------------------------- Changing Demographics [00:00:00] Condo Conversion Challenges [00:02:13] Workforce Housing [00:06:34] National Trend of Condo Conversions [00:09:05] Viability of Retail and Office Asset Classes [00:11:45] Aggressive Use of Buy Down Strategy [00:14:18] Condo Conversions [00:16:43] Scaling a Business [00:18:05] 90-Day Trial Period for New Hires [00:19:04] -------------------------------------------------------------- Connect with Charles: Linkedin: https://www.linkedin.com/in/charles-bulthuis/ Web: www.reformationasset.comBlog: https://reformationasset.com/our-blog/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Charles Bulthuis (00:00:00) - This is a national trend. Okay. Um, and, and there's other supporting factors. Uh, not only, um, household coordination, trends, household formation occurring later in life. Um, but the fastest growing population for divorce is people in the eight of 60 and above.   Sam Wilson (00:00:15) - Are you kidding me?   Charles Bulthuis (00:00:16) - Not kidding you. So those people that have been in, in, you know, 20, 30, 40 year marriages are now becoming divorcees, and they're looking for a simpler lifestyle. They want a condominium, a one bedroom. They don't want a giant house. They have to go out and mow the lawn on Sundays.   Intro (00:00:31) - Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:44) - Charles Bold Heights is a c r e broker and the president and founder of Reformation Asset Management. Charles, welcome to the show.   Charles Bulthuis (00:00:51) - Hi. Thank you very much.   Sam Wilson (00:00:52) - Absolutely, Charles. Glad to have you here on the show today. There are three questions I ask every guest who comes on the show in 90 seconds or less. Can you tell me where did you start? Where are you now, and how did you get there?   Charles Bulthuis (00:01:02) - I started out as a residential broker in 1992 in San Diego, California. I am currently the, uh, president owner of a company that's a brokerage, a property management, uh, construction company, maintenance and lawn care. So we have five divisions and 65 employees. And I got here, um, basically I, I have, I have a philosophy on how to get rich quick, even if it takes you 20 years.   Sam Wilson (00:01:29) - I like that. I like that a lot. You're a busy man. You got a lot of things going on. Uh, the lawn care one is, is that's, uh, I, I wanna dig into that maybe before the show's over and just wonder how that bolt on business came, came to. But regardless, let's talk about some things really that are going on here in the marketplace today. You are, uh, I think the brokerage firm. Is that, is that probably the largest part of what you guys are working on right now? Is that a fair assessment? Uh,   Charles Bulthuis (00:01:55) - No, actually the revenue that comes in for construction will be the largest source of the revenue.   Sam Wilson (00:02:00) - Interesting. Okay. Very, very cool. Well, let's talk about that then, because I mean, you're in a market, you're aware, you're in Durham, North Carolina. Mm-hmm. . Yeah. Cool. What are you guys building right now? Like what's the, what's the big demand for you guys right now?   Charles Bulthuis (00:02:13) - Uh, so what we're involved in right now is the condo conversion. So we're taking apartments that have been, um, undervalued. So what would you call a value add property? Yeah. But rather than turning it into a value add apartment, we're turning them into value add condominiums, and then offering them as a resale product to owner occupants. So we helped one client acquire 108 units, um, in Durham, and another, uh, group of investors acquired 96 units in Chapel Hill. And, uh, those 204 units combined are what we're working on right now, and it's just under 20 million in renovations.   Sam Wilson (00:02:52) - What are some challenges? I mean, that, that it has to be the right, I would imagine, the right property in the right place with the right size of units, the right number of beds and baths. I mean, what are some challenges that you run into in locating a property like a condo conversion, e or even saying, Hey, this is possible as a condo conversion? Right.   Charles Bulthuis (00:03:11) - So the first step is actually not looking for what the market needs. The first step is identifying what the market needs. So once you've identified what the market needs, then you find a product that you can turn into what the market wants, right? So I didn't have to go out and find the two bedroom, two bath, 1000 square foot. I found the two bedroom, one and a half bath, 1000 square foot and converted it into a two two. Hmm.   Sam Wilson (00:03:33) - I see, I see. Yeah, that's really, really cool. I love, I love the, the, the, the spin on what value add is why is an end buyer, what is appealing to them about a, was apartment complex now? Is a condo, like what's, what's the, what's the value there for the end, I guess The end? Yeah, the end buyer.   Charles Bulthuis (00:03:54) - So we, we we're doing this both ways. In one instance, we are buying condominiums, um, that, and, and that, that we're buying apartments and converting them into condominiums. Yeah. And so for that individual investor, I helped him acquire six buildings that made up the community that is the 108 units. And then as we divest him of each building, they'll be their own separate 10 31 tax to put exchange. So he may pay taxes on one building, he may exchange another building. And so for him, it was the, the net proceeds potential where he was basically spending 20 million for purchase and rehab, and then selling the product as condos for 30 million. So it's a 10 million game for him. And that's quite an incentive, uh, for the other parties where they're buying condos and they're actually converting them into rentals. This is near the University of North Carolina, which has a very strong, uh, or, uh, student population. And the rents for those types of properties are rather high. They rent by the bedroom. So we could take a property that, in that neighborhood was completely undervalued, renting at $900 a month and dilapidated 50 year old complex revamp the entire complex, raise the rents to the market value of 1900. And the value add to my owners is, is dramatic, but then they have the ability to turn that whole product over as one, uh, rental property to an institutional investor that's looking for a 30 million buy that is student housing.   Sam Wilson (00:05:21) - No, that's really, really cool. I wanna circle back to the, uh, let's, let's call it the, the, the person that buys the condo conversion. The was apartment now is a condo who's living there. Why do people want that product in the market?   Charles Bulthuis (00:05:35) - Um, first of all, we, we have a market that completely misunderstood the buying needs of the, the product of, of, of the buyers. Today, for 30 plus years, the market was now producing one bedroom apartments. Think about that. You never saw one bedroom apartments being built, or at least, you know, not, not as the majority. Very few were right? But that is the source of workforce housing, really. So if you have a city that's growing rapidly and you're not providing workforce housing that is affordable, you're gonna run into a situation where your employers are gonna have to pay their employees dramatically more money to import them from outlying areas, uh, to avoid that $20 sandwich and copy, you know, it says you have to have workforce housing. And as a result, I was picking these one bedroom apartments as something that we could convert from apartments into condos. And now the price to rent in this location is 1650 a month, but you can buy the same condo and own for 1650 P I t I h o a.   Sam Wilson (00:06:34) - Right? Right. So why not? Why not? If you're gonna, if you're gonna end up paying the same amount of money on a monthly basis own don't rent. I mean that Exactly. That just seems to make a lot of sense. I'm really intrigued by the, or interested in the idea that the one bedroom that that kind of flies in the face of what I would've clearly wrongly assumed that one bedroom for what are, what people are wanting   Charles Bulthuis (00:06:59) - Household formation right now in the triangle, which Research Triangle Park is the area for Raleigh Durham, chapel Hill, and several other outlined communities. But those three big ones, the average household size right now is 1.8 people per household, huh?   Sam Wilson (00:07:15) - Right, right. That's really, that's a lot smaller than I would assume. Would've assumed.   Charles Bulthuis (00:07:20) - Yes. Demographics have shifted dramatically.   Sam Wilson (00:07:23) - Yeah, absolutely. How does that, how does this work inside of the housing shortage? I know that's something that is kind of near and dear to your heart, that you guys are trying to figure out a way to solve what, what of it you can. So how, how does this play into that kind of, uh, housing shortage?   Charles Bulthuis (00:07:41) - So it, it plays in the, the city is actually following suit with the product that I'm recommending. Hmm. Um, I, I sat on the, uh, mayor's, uh, affordable, uh, housing round table for the last three mayors that we've had in Durham. And, uh, one of the things that we discussed was workforce housing and household formation relative to the population growth in our area. And of the 2,500 or so affordable housing units, the city is planned to build, 2200 of them are one bedroom homes.   Sam Wilson (00:08:10) - Wow.   Charles Bulthuis (00:08:11) - Wow. It's that severe how important that workforce housing is. Now, when we're talking about a downtown region, this is where your restaurants, your bars, all of your nightlife activity, your offices, these places need people that come in and work those types of service industry jobs. Um, but at the same time, if we build three bedrooms and four bedrooms, we're we're that, that's more of a family oriented housing structure. And, and then you have to build new schools if you have to have school buses, and you have to build the infrastructure for children. So this is more for a dense population or for the intention of a higher increasing dense population.   Sam Wilson (00:08:49) - No, I like that. I like that a lot. That make, that makes a lot of sense. That's, that's a really, yeah. That, that's just a, uh, an an insight I'd not, not really had before is on. And I, and that's then this maybe, do you think this is particular to where you are or do you kind of see this as a national,   Charles Bulthuis (00:09:05) - This is a national trend. Okay. Um, and, and there's other supporting factors. Uh, not only, um, household coordination trends, household probation occurring later in life, um, but the fastest growing population for divorce is people in the eight of 60 and above.   Sam Wilson (00:09:21) - Are you kidding me?   Charles Bulthuis (00:09:22) - Not kidding you. So those people that have been in, in, you know, 20, 30, 40 year marriages are now becoming divorcees and they're looking for a simpler lifestyle. They want a condominium, a one bedroom, they don't want a giant house. They have to go out and mow the lawn on Sundays.   Sam Wilson (00:09:37) - Man, you're, you, uh, I, I'm not, I not not in that, uh, in that 60 and above divorced category, but I'll tell you, e e even I would say on, on the millennial side, like even, even they want kind of that smaller product type, I mean, gosh. Yeah. Less   Charles Bulthuis (00:09:51) - Commitment.   Sam Wilson (00:09:52) - Yeah. Man. Like, I'll even say it like, yeah, I own a house right now and I've, you know, it's great for the kids playing in the backyard and all that, but we could probably get those same amenities maybe with less work home ownership is, uh, well, it's a lot like work. I mean, you got a lot of stuff to keep up. So yeah, there,   Charles Bulthuis (00:10:08) - There's a trade out there that's for sure. When you're buying a house, you have to envision that there will be constant will be yours, but there also ties in with the fact that eventually the property will be yours. Right,   Sam Wilson (00:10:17) - Right. Undoubtedly, or at least   Charles Bulthuis (00:10:18) - The equity.   Sam Wilson (00:10:19) - Right. It goes both ways. But, but yeah, if you, you could sell me very quickly on the idea of not spending Saturday, which I don't spend Saturday mow the yard anyway, but if you still end up maintaining stuff one way or another, but I digress. This is not why we came here on the show to talk about what my preferences are. I do want to talk about what market perceptions are in some kind of, um, asset classes that people traditionally, not traditionally, but even right now are saying, you know, these things are dead. Those two being retail and office. Gimme your insights on those two particular asset classes in particular.   Charles Bulthuis (00:10:53) - So the pandemic, um, had a, had a major impact on the work from home and, and, and the, the work from office discussion. And if you, if you were to watch the news and you only paid attention to the largest markets in the country, Chicago, New York, LA, Miami, um, you're, you're gonna, uh, Houston, you're gonna get the perception that, um, commercial real estate is a, is a, it is a spiral, right? But here, locally, the commercial real estate market for retail and for office is, is very brisk. Um, I've missed out on three properties that I personally wanted to buy in the last six months because I just didn't get my offer accepted. I wasn't high enough, et cetera. Um, and understand, please, if you're not familiar with c R e, that most loans for commercial vehicle estate are gonna be tied to a 20 year amortization schedule, and that's not tied to the 10 year bond.   Charles Bulthuis (00:11:45) - So the rates for the commercial property, they're in the fives right now. They're not in the sixes. And, and, and they were down in the fours just, you know, a few months ago. So that market still has viability. And yes, there's a lot of loans that are gonna have to be refinanced in the near future, but we don't have a liquidity issue in the banking system. We have a few banks that, you know, misunderstood the value of investing in treasuries versus having some money on hand to give your depositors if they ask for it back.   Sam Wilson (00:12:13) - Right? Yeah, you said it, you said it. So for where you guys are right now, what you're, what you're telling me is that retail and office aren't just not dead, but they're doing very well in certain markets   Charles Bulthuis (00:12:24) - Very well. And even in the major markets where they're not doing that well as a percentage of the overall portfolio, they're less than 5%. Right. You know, if you took all the commercial real estate in New York, Los Angeles, Chicago, Houston, Miami, you grouped it all up, it would still be less than 5% of the nation's commercial real estate. It's just not gonna tip the scale.   Sam Wilson (00:12:45) - Right. Undoubtedly it even so, I mean, gosh, I had someone on the show here recently that their, their whole strategy right now, and they're, they're in, in New York, is buying office space, which is not doing very well in New York City, and they're imagine that   Charles Bulthuis (00:13:00) - Buy low, sell high,   Sam Wilson (00:13:01) - Uh, right, right. He was, he was telling me that, you know, two years ago, or not two years ago, three years ago, I've been pre pandemic, gosh, three and a half years ago then, you know, they were trading eight, 900 bucks a square foot. He's like, dude, we're picking stuff up right now. Three, 400 bucks a square farm.   Charles Bulthuis (00:13:14) - Yeah, yeah. He   Sam Wilson (00:13:15) - Goes, it's, yeah, it's, now is the time to buy. Like this is New.   Charles Bulthuis (00:13:18) - York's not gonna disappear.   Sam Wilson (00:13:20) - It's not. It's not. And,   Charles Bulthuis (00:13:21) - And as a reality, all it's going to happen is you're gonna have a lot of these companies reenvisioning how to monetize their office space to lower the workforce back.   Sam Wilson (00:13:28) - Right, right. That's exactly right. That's exactly right. That's really, really cool. Are there strategies or things that people, or any of your clients really you see them doing right now that would just be good food for thought if somebody's looking at these asset classes?   Charles Bulthuis (00:13:42) - Yeah. Don't, don't let yourself get, uh, rolled over by the noise. That is the, the, the, the, the pundits the know-it-alls. You know, one of the best things you can do is go against the crowd. Right,   Sam Wilson (00:13:55) - Right. I like that a lot. I like that a lot. Yeah, absolutely. If you're, if your main source of information is from the pundits, we're probably not friends cuz it, uh, , it's just a lot of noise. So that's, uh, that's really, really great there. Let's talk about the, uh, interplay between interest rates, the residential market. I know that affects, uh, a lot of things. What do you see on that front?   Charles Bulthuis (00:14:18) - So what, um, what this, uh, market has quickly returned to was strategies from the early nineties. And I started in 1992 and we had an accelerating interest rate market from that period as well that led us from a, uh, recession into, in San Diego into a horrible recession in San Diego. Uh, we, we had, um, Boeing, which was one of the largest employers in San Diego, leave and go to Washington State. Right. Caused a massive drop in valuations. And then boom, we hit the 92 recession, and now we've got interest rates going up toward the eights as well. Um, and, and one of the best tools that we had in our basket back then, or our toolbox was the buy down. And so we are aggressively using the buy down to position buyers into our product with rates that are artificially reduced for the next couple of years because we believe that in the next couple of years they'll be able to refinance into lower rates.   Sam Wilson (00:15:14) - Can you, can you explain that strategy? Uh, I guess more, uh, more in depth? Sure.   Charles Bulthuis (00:15:20) - Um, what about that is, is if interest rates sit there at six and a half and I spend points, I can go through my lender and buy the interest rate down to a four and a half percent interest rate. And so the buyer still has to qualify at the rate of six and a half mm-hmm. , but for their payment purposes, they'll be pa making payments the first year at four and a half percent interest the second year at five and a half. And then that third year it'll normalize at whatever the rate was at the time that they took the loan at today's six and a half. Right. But if at any time during that period the rates were to drop, they can refinance their loan into a lower standard interest rate and even use the money that's still available in the two one buy down for future rate reduction for the cost of the refinance. And because of the inversion of the yield curve right now, it, it is the long-term money that is priced low and the short-term money that's priced high, which is indicative of rates coming down in the next 24 months.   Sam Wilson (00:16:19) - Interesting. So I, in, in effect, it's, it's, it's not just buying an option for refinance it, it's sort of like that, but you also get the short-term benefit of maybe potentially paying less in interest on the front end is that, oh,   Charles Bulthuis (00:16:32) - You're absolutely paying less on the front end and the best part is the seller is paying for that option on your behalf.   Sam Wilson (00:16:38) - Ah. So that's something you negotiate into the deal.   Charles Bulthuis (00:16:41) - Right.   Sam Wilson (00:16:43) - Very cool. I love that. That's an, that's certainly an advanced strategy. Um, thank you for taking the time to really share, share with us your thoughts on that front. So, so far we have talked about the perceptions inside of retail and office. We have talked about the, uh, interest rates and the residential market. We've talked about condo conversions, we've covered a lot of territory here. The one thing I really haven't, uh, gotten into with you, you talked about maintenance in a lawn care business. I mean, when did you tack that side of your business on and why?   Charles Bulthuis (00:17:13) - So I created the property management company because no property managers wanted to deal with what I was doing. Let me buy you the property, let me push everybody out of the property, remodel the property, then re-rent the property. And then in two years, 10 30 wanted into another property. Right? No. So I had to create a property management company. Well, now I have a property management company. I have to manage the properties, I need maintenance, I need lawn care. Well, as I realized that I kept falling to the, you know, I wasn't the top person on everybody's list. Yeah. Well, I wanna be the top person on the list. So I had to create the company so that the company takes care of me because I'm an insulting client.   Sam Wilson (00:17:48) - , there you go. I love it. I love it. What's it been like, let me ask you this question. Scaling all of these different businesses, how do, how do you, meaning what's, what's been like maybe one thing you've done that has really helped you scale each of these in their own unique way?   Charles Bulthuis (00:18:05) - Hiring people that can head each of these companies that are creating, or each of these divisions within my company? Um, I am, in my opinion, you know, and others a very good real estate broker. Okay. Um, but I am not a general contractor and I haven't cut along since I was in my a teenager. So I need to hire people that could run these other businesses or head up these other divisions without my constant interaction. Hmm. And, and, and that's the key to building any business, is hiring the right employees, getting the right staff behind you, building a team.   Sam Wilson (00:18:40) - Yeah. And that's the hardest part. I mean, I think so many times, especially, you know, the thrust of this show is how to scale commercial real estate. And when you're in that scaling period, especially in the early days, the mistakes of a miss or a bad hire, uh, can be expensive, but also just they, they can be time consuming. Are there any, any, any strategies you employ on that front now? Making sure you're bringing the right team members on the first time?   Charles Bulthuis (00:19:04) - 90 days. I need to know within the first 90 days if these people are gonna be able to take that ball and run with it on their own. Or if they still need, need me to sit, sit on their shoulder. Um, in North Carolina, you can fire anybody for any reason or no reason within the first 90 days. Got it. So if I know in 90 days that I think that they're, they're just not getting it. I, I wanna start over.   Sam Wilson (00:19:27) - Okay. Okay. And that's hard, man. That's hard. I mean, it's, I'm sure that's, that's a, a, a muscle that you've had to exercise over time. I know for me, uh, I I I'm getting better at it, but it's also one of those things that, gosh, I hate letting people go. It's just, it's always, it's always hard.   Charles Bulthuis (00:19:45) - My management experience was garnered in the US Army, so I'm a little bit better at that.   Sam Wilson (00:19:49) -  good. I like it. I like it. I, I need to, I need to tear a page outta your book and, uh, and read it probably more often. So this has been fantastic. Charles, I have enjoyed today's show. You've given us a wealth of information, things here to think about. If our listeners wanna get in touch with you or learn more about you, what is the best way to do that?   Charles Bulthuis (00:20:08) - Uh, please go through my website, reformation Asset Management. Um, or if you would like, I mean, call me directly. I, I'm very accessible. My number is 9 1 9 4 5 2 4 8 3 3.   Sam Wilson (00:20:20) - Fantastic. And we'll make sure we put that there also in the show notes. Charles, thank you for taking the time to come on the show today. I certainly appreciate it. Thank   Charles Bulthuis (00:20:27) - You very much. It was a great show.   Sam Wilson (00:20:29) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.  

Hosts Christopher Chapp and Jon Olson discuss the importance of demographics to a democracy with Minnesota State Demographer Susan Brower, and how Minnesota’s shifting demographic landscape will shape policy, and politics, in the future.

Herald van der Linde and Fred Neumann discuss the key age, wealth and gender-related shifts that are taking place in Asia right now, as well as how they affect markets and economies across the region. Disclaimer: https://www.research.hsbc.com/R/51/pM6xzKV. Stay connected and access free to view reports and videos from HSBC Global Research follow us on LinkedIn https://www.linkedin.com/feed/hashtag/hsbcresearch/ or click here: https://www.gbm.hsbc.com/insights/global-research. Hosted on Acast. See acast.com/privacy for more information.

Dr. Rob Smith is Amentum's Vice President of Diversity, Equity, and Inclusion. In this role, he is responsible for leading the company's diversity, equity and inclusion vision and strategy by developing and implementing programs and initiatives that advances Amentum's business objectives and reinforces the organization's culture. Previously, Dr. Smith served as BAE Systems' Intelligence and Security Sector Director of Talent Acquisition and Diversity and Inclusion (D&I). He also served in the U.S. Coast Guard (USCG) for 28 years, retiring at the rank of Captain/O-6. In his final assignment he served as Commanding Officer, Coast Guard Recruiting Command in Washington, DC.

Mike discusses the latest surrounding the southern and northern borders.See omnystudio.com/listener for privacy information.

Ellen Barker's Facebook Ellen Barker's LinkedinJulia Daily's WebsiteJulia Daily's Twitter Julia Daily's FacebookJulia Daily's Instagram Julia Daily's Linked In Julia Daily's Goodreads Authors Over 50 Podcast Links:Amazon MusicSpotifyApple PodcastsGoogle Podcasts - authors over 50Julia Daily's WebsiteThank you, Holly Shannon, Zero to Podcast coach and host of Culture Factor 2.0. https://hollyshannon.com and Sean McNulty, Sound Engineer. 

This episode is also available as a blog post: https://healthcare-wiki.com/2022/03/12/changing-demographics-value-based-care/

Joe Connolly and Neil A. Carousso talk to Jonathan Bowles, executive director of the Center for an Urban Future.

Ness Sandoval, Ph.D, is associate director of SLU's Geospatial Institute (GeoSLU) and an associate professor of sociology. Dr. Sandoval's research tells stories using maps and works with students to use data and maps to look into the future. Produced by Show-Me Opportunity

The term 'Demographics', refers to the characteristics and trends of the global population. From the pressure an aging population puts on society, to how do we supply water sustainably to a growing population ... these are trends that affect everyone on the planet.Investing in companies that are trying to solve some of these demographic trends presents a fascinating investment theme.In this episode, Bryce and Alec are joined by Portfolio Manager Oliver Hextall of the Fidelity Global Demographics Fund.Oliver explains what it means to invest in the thematic of Demographics while outlining the forecast for this thematic in 2023.This episode contains sponsored content by FidelityPodcast Disclaimer | Fidelity Australia*****Looking for an investing book gift for a loved one this christmas? Order ‘Get Started Investing', written by Equity Mates Alec and Bryce. Available on Booktopia and Amazon now!If you want to let Alec or Bryce know what you think of an episode, contact them here. Stay engaged with the Equity Mates community by joining our forum. Have you just started investing? Listen to Get Started Investing – Equity Mates series that breaks down all the fundamentals you need to feel confident to start your journey.*****In the spirit of reconciliation, Equity Mates Media and the hosts of Equity Mates Investing Podcast acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respects to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander people today. *****Equity Mates Investing Podcast is a product of Equity Mates Media. This podcast is intended for education and entertainment purposes. Any advice is general advice only, and has not taken into account your personal financial circumstances, needs or objectives. Before acting on general advice, you should consider if it is relevant to your needs and read the relevant Product Disclosure Statement. And if you are unsure, please speak to a financial professional. Equity Mates Media operates under Australian Financial Services Licence 540697.Equity Mates is part of the Acast Creator Network. Hosted on Acast. See acast.com/privacy for more information.

In this, the first of three episodes on the topic, we look at the habits of Latino and Asian American investors, and how financial professionals can break down cultural barriers to better serve these two communities.Guests: Bill Crane, Senior Vice President of Market Development at Global Atlantic, Javier Pena, multicultural Manager at Global Atlantic with a focus on the Hispanic/Latino U.S. Market, and Pei Yin “Joey” Ng, Senior Advanced Markets Analyst at Global Atlantic with a focus on the Asian-America market.

In several of California's most competitive races, Latino voters could be decisive, which isn't so surprising. But more than half of Latino voters who were recently polled say no campaign has asked for their vote. Reporter: Tyche Hendricks, KQED The Central Valley has been synonymous with conservative, small-government politics for a long time. But there's a new state Assembly district in the Central Valley and the two candidates vying for the seat are both women, Democrats and people of color. Reporter: Ariel Gans, CalMatters      

In today's deep dive, we’ll take you south from Champaign-Urbana to the Douglas County town of Arcola, where Latinos are increasing in population and in power

Meet the Guests, Jay Campbell and Jim Hobart:Jay Campbell is a partner at Hart Research Associates. He has been quoted on politics and public opinion in national publications and has appeared on National Public Radio, MSNBC, CNBC, and C-SPAN discussing politics and polling. Jay graduated from the College of the Holy Cross with a degree in political science. Jim Hobart is a Partner at Public Opinion Strategies. He regularly appears on NPR, CNN, HillTV, and the BBC to offer political analysis. In 2013, he received the prestigious Rising Star Award from Campaign and Elections Magazine. Jim received a bachelor's from Wake Forest University.  Key Insights:Healthcare may feel separate from politics. However, politics impact the regulations, payments, and trends in the healthcare sector. Leaders need to be aware of what changes may be on the horizon. Macro Trends. Historically, midterms tend to favor the political party out of power; this election is likely to favor Republican candidates. However, results will be impacted by voter mobilization, ad spending, other political issues, and the candidates themselves.Top Issues. Inflation is at the top of voters' minds, especially for independent voters. Democrat candidates are focusing on abortion rights, climate change, and threats to democracy, while Republican candidates are focusing on border security, immigration, and crime. Healthcare in the Polls. According to polls and television ad spending,healthcare does not seem to be a top issue for voters or candidates. However, both guests view decreasing prescription drug prices as a popular and bipartisan political issue. Relevant Links:Follow Jarrett Lewis on TwitterFollow Jim Hobart on TwitterLearn more about Jay Campbell

Novelist, writer and brand consultant Mohsin Hamid joins the show to discuss his latest book, "The Last White Man," dealing with themes of loss, changing demographics, community, and how we can use novels to inspire ourselves to a better future.

On this week's episode, Matthew speaks with Alexa and James about Hispanics becoming the largest ethnic demographic in Texas and what that means for the state's politics.

They're calling it "The Great Realignment." A big change is happening to the demographic makeup of both the democratic and republican parties in America. Michael talks with author and historian Thomas Frank, author of "What's The Matter With Kansas."

Atty. John Haroldson Suarez: Examining justice in an era of social tension —  Over the past few decades, demographic changes have been transforming the US. America is quickly evolving to become a majority-minority country. Threatened by this demographic shift, some Americans have created an antagonistic political and cultural environment, ushering in a period of hostility and incivility toward fellow Americans. In this episode, Ramona is joined by Attorney Haroldson Suarez who talks about how these changes have influenced justice and, more importantly, how individuals can each do their part in creating a more just society. John Haroldson Suarez is the first Latino elected to serve as District Attorney in the State of Oregon and currently serves as the Board Chair for the United States Hispanic Leadership Institute (USHLI). To learn more about John Haroldson Suarez, visit https://www.co.benton.or.us/da.  

Utah is becoming a more diverse place, and that is starting to show up in our places of work. But how can companies do better to make sure workers feel included? Inclusion Strategies Principal and CEO Ross Romero outlines why being a more welcoming place is good for business. See omnystudio.com/listener for privacy information.

Gentrification has dramatically transformed Washington, D.C. — as a result, the city now has a smaller Black population. That decline mirrors a nationwide trend, nine of the 10 cities with the largest Black populations have also seen decreases in Black residents. Delece Smith-Barrow reports on the latest installment of The Recast's Next Great Migration series: Washington, D.C. Read the full piece here. Read other Next Great Migration work at politico.com/greatmigration

Episode 3 of 4: Yasmin interviews David regarding his doctoral dissertation entitled “The Contribution of Technology in Church Revitalization among Churches cooperating with Acts 2 Journey between 2010 and 2018, with Implications for the future of Church Growth.” His insights are helpful for all churches as they are emerging from the COVID-19 pandemic.

Featuring: Arnold Smalley, Owner, Small World Solutions Eddie Fernandez, Owner, Eddie Fernandez, P.A. Tanya Easterling, Central Florida Market Leader, Florida Blue Sponsored by: Alan Byrd & Associates AdventHealth Staples J. Wayne Miller Company The Orlando Law Group Waste Pro

Looking back over the past 25 years or so, we have seen significant change in both the demographics in our country and the communities in which we live. Today, we scratch the surface on what has shifted for men in America and begin to explore what is driving behavior, especially in the last couple of years. This episode is a look at how to be better, both as men, women, and the mentors of the next generation, so that we can form a better, more inclusive, supportive, and forward-facing society. We're excited to announce that listeners can now leave us a voicemail! Please drop us a line to say hello, or if you have a question or topic that you'd like us to discuss in a future episode, let us know. All you have to do is go to https://www.respectcircles.com/voicemail/ to leave your message. We look forward to hearing from you! As always, you can also reach us by email, respectcircles@gmail.com, on social media at https://www.facebook.com/respectcircles and https://www.instagram.com/respectcircles/, or by viewing our website at www.respectcircles.com too. Thanks so much for listening! We'd love to have you subscribe to the podcast and leave us a rating and review. See you next week! In this episode you'll hear: The changes being seen in college enrollment by men in this country, and how less access to education is affecting critical thinking and opportunities [6:53] Other ways and opportunities to get the social skills that are so desperately needed right now, and how to participate in other forms of community other than college [10:41] How the fear of losing positions of power and control is causing some men to act out, and why building awareness around this an important step in creating solutions to these issues [16:26] Why it's so important for men to volunteer to be a mentor to others, and the benefits our youth will see by having this type of support in their lives [20:38] Stories of men in AJ's life who have benefited from having a strong role model [23:02] Our challenge for listeners to step up by being a mentor, volunteering and fostering those relationships with the younger generation of this country [25:16] Each of our commitments to each other, ourselves, and our listeners [29:54]