Podcasts about chfa

Welcome to the CanadianSME Small Business Podcast, hosted by Maheen, where we dive into the strategies and insights that empower small businesses in Canada. In today's episode, we're exploring the rapidly growing health and wellness sector and how the Canadian Health Food Association (CHFA) supports small enterprises in this space. We're joined by Lynsey Walker, VP of Marketing & Communications at CHFA, who shares her expertise on the latest market trends and the role of small businesses in promoting community well-being. Tune in to learn how businesses in this sector can thrive, build strong brands, and contribute to healthier communities.Key Highlights:Supporting Small Health Businesses: Lynsey discusses how CHFA empowers small enterprises with resources, advocacy, and networking.Emerging Trends: Insights into the key market patterns in the natural products sector, helping small businesses stay competitive.Community Impact: How health and wellness businesses drive community well-being and promote healthier lifestyles.Brand Building: Strategies for small businesses to create impactful consumer experiences and connect with their audience authentically.CHFA's Mission: Lynsey shares CHFA's goals for the future and how the organization is working to promote better-for-you products across Canada.Final Advice: Key takeaways for entrepreneurs in the health and wellness industry and advice for supporting their growth in a competitive market.Special Thanks to Our Partners:RBC: https://www.rbcroyalbank.com/dms/business/accounts/beyond-banking/index.htmlUPS: https://solutions.ups.com/ca-beunstoppable.html?WT.mc_id=BUSMEWAIHG Hotels and Resorts: https://businessedge.ihg.com/s/registration?language=en_US&CanSMEGoogle: https://www.google.ca/For more expert insights, visit www.canadiansme.ca and subscribe to the CanadianSME Small Business Magazine. Stay innovative, stay informed, and thrive in the digital age!Disclaimer: The information shared in this podcast is for general informational purposes only and should not be considered as direct financial or business advice. Always consult with a qualified professional for advice specific to your situation.

The latest The Food Professor Podcast episode dives deep into the regulatory landscape shaping Canada's natural health product sector. Hosts Michael LeBlanc and Sylvain Charlebois sit down with Aaron Skelton, President and CEO of the Canadian Health Food Association (CHFA), to discuss pressing industry challenges and opportunities.With 82% of Canadians using natural health products, the CHFA is pivotal in advocating for businesses navigating Health Canada regulations, labelling laws, and cost recovery fees. Skelton shares insights into the Save Our Supplements (SOS) campaign, an initiative pushing back against policies that could increase costs and reduce product availability. He emphasizes the need for regulatory balance that fosters innovation while maintaining consumer safety.The conversation also covers the impact of rising tariffs on Canadian manufacturers, making it harder for local brands to compete with international markets. Skelton highlights the urgent need for policies that support domestic food production and streamline interprovincial trade.Shifting gears, the hosts explore consumer trust and transparency in health products. With increased scrutiny over false claims and misleading marketing, third-party certifications like B Corp and Canadian Organic Certification have become crucial in building credibility. Skelton stresses that transparency—not perfection—is key to maintaining consumer confidence.In the news, we touch on Elon's DOGE cuts to the USDA and their potential impact in Canada, Loblaws' multi-billion-dollar investment, the pause in Saskatchewan's canola processing plant, and KFC's surprising corporate relocation from Kentucky to Texas, as well as the state and future of agriculture in the Ukraine and the practical economics of adding hens in your back yard to make your eggs.This episode is packed with insider knowledge on food safety, economic policy, and industry regulation, making it a must-listen for food professionals, policymakers, and consumers interested in the future of Canada's health and wellness sector. The Food Professor #podcast is presented by Caddle. About UsDr. Sylvain Charlebois is a Professor in food distribution and policy in the Faculties of Management and Agriculture at Dalhousie University in Halifax. He is also the Senior Director of the Agri-food Analytics Lab, also located at Dalhousie University. Before joining Dalhousie, he was affiliated with the University of Guelph's Arrell Food Institute, which he co-founded. Known as “The Food Professor”, his current research interest lies in the broad area of food distribution, security and safety. Google Scholar ranks him as one of the world's most cited scholars in food supply chain management, food value chains and traceability.He has authored five books on global food systems, his most recent one published in 2017 by Wiley-Blackwell entitled “Food Safety, Risk Intelligence and Benchmarking”. He has also published over 500 peer-reviewed journal articles in several academic publications. Furthermore, his research has been featured in several newspapers and media groups, including The Lancet, The Economist, the New York Times, the Boston Globe, the Wall Street Journal, Washington Post, BBC, NBC, ABC, Fox News, Foreign Affairs, the Globe & Mail, the National Post and the Toronto Star.Dr. Charlebois sits on a few company boards, and supports many organizations as a special advisor, including some publicly traded companies. Charlebois is also a member of the Scientific Council of the Business Scientific Institute, based in Luxemburg. Dr. Charlebois is a member of the Global Food Traceability Centre's Advisory Board based in Washington DC, and a member of the National Scientific Committee of the Canadian Food Inspection Agency (CFIA) in Ottawa. Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Join us in this empowering episode as we welcome Aeryon Ashlie, a renowned wellness expert, who shares her insights on taking charge of your health journey. Discover practical tips and motivational strategies that empower you to make informed decisions for a healthier lifestyle. Aeryon opens up about her personal experiences and offers guidance on embracing self-care, fostering a positive mindset, and navigating the challenges of maintaining well-being. Tune in to find inspiration and tools to thrive on your path to health empowerment.Aeryon Ashlie is an acclaimed holistic nutritionist, keynote speaker, and #1 Best Selling Author, and is known as the visionary force behind Aeryon Wellness Supplements. As the founder of Aeryon Wellness, she has championed holistic health for women from diverse backgrounds for nearly two decades. With a mission to "Empower Women with Holistic Health," her company offers 100% all natural, scientifically formulated, 3rd party tested, support supplements designed by women, for women. The innovative use of QR codes on their products, aimed at revolutionizing education and support for women on their wellness journey, garnered three offers on CBC's Dragons' Den in 2021. Their trailblazing work was further acknowledged in 2022 when they received the Innovative Product of the Year award from the Canadian Health Food Association for the ground-breaking 100% Boric Acid Kit, "Up and Away." The company's commitment to social causes was recognized with the Agent of Change award for their ongoing support of the Downtown Eastside Women's Shelter. Then Aeryon's achievements continued in 2023 when she won the Total Mom Pitch competition at the Canadian Women's Entrepreneur Gala. Most recently, Aeryon Wellness was honored with the Small Business Trail Blazer Award at CHFA in September 2024, for the ongoing innovation in the women's health category. Now residing in Vancouver, BC, Aeryon Ashlie lives with her daughter and their cherished labradoodle, continually inspiring and empowering women on their holistic health journey.01:47 Aeryon's journey with relationship with self and body then creating Aeryon Wellness.7:20 How to feel you are enough9:46 Accepting all parts of yourself and your journey11:15 5 pillars of health18:23 Where to start28:20 How to bring awareness to yourself34:18 Connect with Aeryon:https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.instagram.com/thisisvancolour/reel/DC9sjenSwEG/&ved=2ahUKEwjTkq-Z7aKKAxW2ATQIHTk7GBwQwqsBegQIDRAF&usg=AOvVaw0_brOnY0kv9lfdQr1CexB- https://www.cbc.ca/player/play/video/1.6272218Are you ready to embark on a journey that transforms your relationship with yourself and unleashes the woman you are meant to be?Join the Infinite Self Circle, a nurturing haven where women transition from self-abandonment to celebrating their intrinsic worth and radiant health.

We catch up with Michael Mazur, President at Freshfield Naturals, Inc. Freshfield won the 2024 CHFA Launchpad award in Vancouver To check out Freshfield, head to https://freshfield.life/To reach Michael: https://www.linkedin.com/in/micmazur/

What was it like to deploy with the Canadian Helicopter Force Afghanistan (CHFA)? What is it like when your door gunners engage the enemy, or to be shot at while flying in a firefight? What do you do when your helicopter gets shot up and you still have to make it to a safe place to land? Greg has been a Tac Hel instructor, and deployed early in his career to fight in Afghanistan with CHFA; flying nearly 600 combat hours in many sorties. Greg will share his adventures and his struggles in Afghanistan plus much more on this episode of The Pilot Project Podcast.

Yoseph is an accomplished Mortgage Consultant with a passion for guiding home buyers to navigate the mortgage industry and process. With a career spanning eight years, he has established himself as a recognized authority in the field, known for his expertise in first-time homeownership and exceptional leadership.As a senior mortgage consultant at American Financing, Yoseph plays a pivotal role in helping to ensure all communities are well-informed when it comes to home ownership and real estate investment. He is dedicated to driving American Financing's mission and vision forward, consistently achieving remarkable results and delivering high-impact solutions to complex challenges.Yoseph's journey to excellence is marked by a strong educational foundation, holding a bachelor's in Economics from Colorado State University. This academic prowess, combined with a relentless pursuit of knowledge, has positioned him as a thought leader in residential real estate financing. Yoseph is a passionate advocate for affordable housing and down payment assistance programs, actively contributing as a member of the CHFA lender advisory board.Outside of the professional realm, Yoseph is an avid entrepreneur, community event producer, and public speaker. These interests enrich his perspective, fueling creativity and a well-rounded approach to serving his community.Learn more:https://AmericanFinancing.net | 303-437-4599Elite Real Estate Leaders Podcasthttps://businessinnovatorsradio.com/elite-real-estate-leaders-podcastSource: https://businessinnovatorsradio.com/interview-with-yoseph-assefa-loan-officer-with-american-financing

Yoseph is an accomplished Mortgage Consultant with a passion for guiding home buyers to navigate the mortgage industry and process. With a career spanning eight years, he has established himself as a recognized authority in the field, known for his expertise in first-time homeownership and exceptional leadership.As a senior mortgage consultant at American Financing, Yoseph plays a pivotal role in helping to ensure all communities are well-informed when it comes to home ownership and real estate investment. He is dedicated to driving American Financing's mission and vision forward, consistently achieving remarkable results and delivering high-impact solutions to complex challenges.Yoseph's journey to excellence is marked by a strong educational foundation, holding a bachelor's in Economics from Colorado State University. This academic prowess, combined with a relentless pursuit of knowledge, has positioned him as a thought leader in residential real estate financing. Yoseph is a passionate advocate for affordable housing and down payment assistance programs, actively contributing as a member of the CHFA lender advisory board.Outside of the professional realm, Yoseph is an avid entrepreneur, community event producer, and public speaker. These interests enrich his perspective, fueling creativity and a well-rounded approach to serving his community.Learn more:https://AmericanFinancing.net | 303-437-4599Elite Real Estate Leaders Podcasthttps://businessinnovatorsradio.com/elite-real-estate-leaders-podcastSource: https://businessinnovatorsradio.com/interview-with-yoseph-assefa-loan-officer-with-american-financing

For every dollar they've given a company, those companies are able to attract another $64. Who is NPC? Sue Coulesan explains. If you were at CHFA, you saw Shelley King on stage, helping Launchpad finalists, and if you walked the show, you definitely walked through innovation alley. Find NPC here: https://www.naturalproductscanada.com/en/Find Sue here: https://www.linkedin.com/in/sue-coueslan-6864748/Make sure you subscribe to our newsletter at www.thiscommercelife.com

Mitsoh ("Eat" in Cree Nehiyaw) was founded by Ian Gladue of Wabasca's Bigstone Cree Nation in Alberta. We talk to Ian and his partner Brandon about restoring, preserving and sharing North American Indigenous culture while bringing great products to market. Find Brandon here: https://www.linkedin.com/in/brandon-markiw-071b0946/Find Mitsoh here: https://www.mitsoh.com/Be sure to sign up for CHFA Now here:  https://www.chfanow.ca/toronto/ Thank you to CHFA for sponsoring our September Podcasts. Be sure to sign up for our newsletter here: www.thiscommercelife.com

A what? A dacquoise + macaron = Dacaron. Jimmy Kim talks about their journey to bring the Dacaron to Canadian consumers.  Find wonderful Dacarons at: https://www.earthlingfoods.ca/Talk to Jimmy here: https://www.linkedin.com/in/jimmy-kim-8219838b/Vote for Jimmy here: https://www.bcfbawards.com/voteMake sure you sign up for CHFA here: https://www.chfanow.ca/toronto/ 

Riaz Meghji, Author of Every Conversation counts comes on to talk about conversations, journaling and connections. Find Riaz here: https://www.linkedin.com/in/riazmeghji/Riaz's book is here: https://riazmeghji.com/book Make sure you sign up for CHFA here: https://chfa.ca/en/Events/chfa-nowSign up for our newsletter here: www.thiscommercelife.com  

Karen Danudjaja the founder of Blume comes by to talk about startups, not knowing retail and celebrating wins. We were pretty excited to talk to Karen - she's an incredible founder with a wonderful outlook on how she wants to approach her business. Find Karen here: https://www.linkedin.com/in/karen-danudjaja-8275682a/ Shop Blume here: https://itsblume.com/ Make sure you sign up for CHFA here: https://chfa.ca/en/Events/chfa-now  

She takes risks. She loves learning  and she's made a  habit of sharing her wins and mistakes. Bro-Dough founder Erica Rankin comes on to talk about learning CPG and selling a product that she loves. Find Erica here: https://www.linkedin.com/in/ericabrodough/Shop bro dough here: https://eatbrodough.com/  Make sure you subscribe to the This Commerce life Podcast at www.thiscommercelife.com Thank you to CHFA for sponsoring this episode. If you're a retailer, sign up at https://www.microspec.com/reg/CHFAE2023/

Get your copy of Grow: 12 Unconventional Lessons for Becoming an Unstoppable Entrepreneur Connect with Mike >>>  Website | LinkedIn | Instagram | Twitter Get Mikes free mentorship tools at www.fatafleishman.org Sign up for The Unstoppable Entrepreneur newsletter Drop a review and let me know what resonates with you about the show! Thanks for listening and make it your Best Day Ever! In this episode, Mike is coming live from the floor at CHFA. the Canadian Health Food Association, with Ryan Benn from Alive Publishing Group.  Mike and Ryan have a great conversation about their journeys as entrepreneurs, advice for other founders around mentorship, what excites them when other founders reach out to them,  the grieving process after selling a business, expanding business into the United States, and so much more. Towards the end of the episode you'll hear them answer questions from other founders that were at CHFA.  Connect with Ryan on LinkedIn

Join us as we uncover best practices for leveraging trade shows for market research, lead generation and sales strategies. Don't miss this timely and relevant conversation! Episode highlights: Leveraging Trade Shows for Market Research: Discover how trade shows can be used to gather feedback on products and marketing strategies, and gain market insights. Trade Shows as a Powerful Marketing Channel: Compare the effectiveness of trade shows to other marketing channels for generating leads in the CPG industry. Aligning Goals and KPIs for Success: Learn how operators and marketing agencies can define success and establish KPIs that align with their marketing goals. Promoting Your CPG Brand at Trade Shows: Explore strategies for promoting your brand at trade shows, including pre-show planning, target audience identification and goal setting. Capturing and Nurturing Leads: A little on lead qualification, prompt follow-up, and personalized communication. Sales and Marketing Collaboration: Explore how sales and marketing can work together at trade shows to maximize results and drive success. Have a game plan, be yourself, and personalize communication for optimal outcomes. QA with the audience to finish things off! ________________________________________ Lindsay is the founder of Piquant Marketing, a Vancouver-based marketing agency established in 2016. Her team of 8 specialize in supporting food brands that prioritize transparency, fair trade, sustainability and animal welfare. Lindsay and the team offer a great range of services, including social media management, branding, design as well as influencer and content marketing. Lindsay previously featured on episode 32 of this podcast back in 2021 and I'm excited to have her back on the show for you all! ________________________________________ Find Lindsay and Piquant Marketing here: Web: https://www.piquantmarketing.com/  IG: @piquantmarketing TikTok: @piquantmarketing Email: lindsay@piquantmarketing.com  ________________________________________

Co-Founder + Chief Executive Officer at TMRW Foods, Dean Blignaut comes to talk about tomorrow, and how to effect change in the way we eat, and the way we think about 'protein' Caveat - Phil (me) talks about lying and deception as a marketing plan - I don't really believe that. :) Find Dean here: https://www.linkedin.com/in/dean-blignaut-7779a3210/Shop TMRW foods here: https://tmrwfoods.com/

Most grocery stores now carry Greenhouse Juice Co. We talk to Hana James about where and how this all started. We get a special appearance from Hana's little boy too! Find Hana here: https://www.linkedin.com/in/hana-james-1791824a/Shop Greenhouse here: https://www.greenhouse.ca/ Check out Heart & Carts here: https://canadian-podcasts.com/podcast/hearts-cartsSign up for CHFA here: https://chfanow.ca/vancouver/ 

Why lowering interest rates might give buyers a reason to re-enter the market. Also, CHFA widens eligibility for Colorado's down payment assistance program. And Cheyenne Mountain State Park is the best park in Colorado Springs you've never visited. For more information visit us online at https://www.erinandjamesrealestate.com

LIVE from the CHFA podcast booth, Richard and I discussed the continued & accelerated growth of the Natural & Organic segment, some common challenges throughout the industry, and a little history around the CHFA itself.  I would like to thank the whole CHFA team for the opportunity to participate and for providing such an awesome space to chat AND to Richard for taking time out of his busy schedule on the day. _______________________________ Richard Pollock is the President & CEO at Pauling Labs - a Canadian company who manufacture a range of natural wellness consumer brands including Ener-C. Richard brings a unique & insightful perspective built from real world experience and over 2 decades embedded in the CPG industry. _______________________________ Formed in 1964 from a grassroots community of health food pioneers, the Canadian Health Food Association is Canada's largest national trade association dedicated to the natural health and organic products industry.  The association represents manufacturers, retailers, wholesalers, distributors, growers and importers of natural and organic products, including foods, vitamin and mineral supplements, herbal products, homeopathics, sports nutrition products, fibers and health and beauty aids.  The CHFA represents more than 1,000 business owners and operators within an industry that contributes $3.5 billion to the Canadian economy. ______________________________________ Web: https://www.tryenerc.com/  LinkedIn: Richard Pollock Web: https://chfa.ca/  Become a CHFA Member : here ______________________________________ Listen on Apple, Spotify, Amazon & Google Podcasts Please support this podcast by checking out our show sponsor FoodPak: https://www.foodpak.com/ A review and a positive rating will help to get this show into more business owners / operators ears - and if you have any questions or feedback I would love to hear from you : hayden@thepackheavypodcast.com

You can find Jordan here: https://www.linkedin.com/in/jordan-james-rogers-ba-dipt-80331b6/You can find Martino here: https://www.linkedin.com/in/martino-ciambrelli-47648836/Brands that we found and love at the show: https://notco.com/ca-en/https://nutmegmylk.com/https://store.threefarmers.ca/pages/abouthttps://www.calgaryheritageroastingco.com/ If you love our podcasts and want to become a patron: https://www.patreon.com/join/thiscommercelife

Live episode at the CHFA show with Mike Fata. We talk all things CPG, plus health and wellness and why it's so important.

check out the CHFA show here: https://chfa.ca/en/Events/chfa-2022-eventsAaron's Linkedin is here: https://www.linkedin.com/in/aaronskelton/Hayden Thomson's Linkedin is here: https://www.linkedin.com/in/haydenbthomson/The Pack Heavy Podcast can be found here: https://thepackheavy.podbean.com/ 

As mentioned in the podcast - Ange and Scott at Intuity Performance are hosting a Leadership Cohort. Check it out here: https://www.intuityperformance.com/whole-person-leadership Check out CHFA West here: https://chfa.ca/en/Events/chfa-2022-events Shoot us a note if you're going - name, booth number, email : thiscommercelife@gmail.com  

On today's show Aaron and I kick off 2022 with a great conversation focused on the CHFA's past, present and future. A really great episode for those of you who are in need of an industry network refresh, or are new to the food based CPG world and sitting on the fence about becoming a CHFA member and all of the benefits and programs that you can leverage to further accelerate your business.  _______________________________ Formed in 1964 from a grassroots community of health food pioneers, the Canadian Health Food Association is Canada's largest national trade association dedicated to the natural health and organic products industry.  The association represents manufacturers, retailers, wholesalers, distributors, growers and importers of natural and organic products, including foods, vitamin and mineral supplements, herbal products, homeopathics, sports nutrition products, fibers and health and beauty aids.  The CHFA represents more than 1,000 business owners and operators within an industry that contributes $3.5 billion to the Canadian economy. Vancouver  Conference : April 21-22, 2022 CHFA Now trade show : April 23-24, 2022 Toronto Conference : Sep 15-16, 2022 CHFA East trade show : Sep 17-18, 2022 ______________________________________ Web: https://chfa.ca/  LinkedIn: Aaron Skelton Email : askelton@chfa.ca   Become a CHFA Member : here ______________________________________ Please support this podcast by checking out our show sponsors FoodPak: https://www.foodpak.com/ Futurpreneur Canada : http://www.futurpreneur.ca/packheavy Leave a review, rate the show and if you have any questions or feedback I would love to hear from you : hayden@thepackheavypodcast.com

It's no secret that there are some truly weird and wacky sides to the world of natural health. In today's episode, we talk to today's guest, Aaron Skelton, president, and CEO of the Canadian Health Food Association, about some of the fun trends appearing in the industry today. We begin our episode with a peek into Aaron's career history leading up to pioneering the Canadian Health Food Association, and he tells us a bit about what he has planned for 2022. Aaron and I touch on what it's like to work in the health food industry, specifically in a digital environment, and where the onus falls as far as the responsibility to clear up consumer confusion. We discuss five funny health trends: goat yoga, cow cuddling, healthy candy, celery juice, and clean eating, and Aaron gives us his predictions for upcoming plant-based trends. Aaron shares his thoughts on how the natural health industry cares for the planet and its inhabitants, and he answers some really fun hot seat questions. In closing, we ask Aaron about the future of CBD oil in Canada, and he leaves us with an exciting outlook for the innovation that is to come in the Canadian health food landscape. Key Points From This Episode:Aaron's career history leading up to starting the Canadian Health Food Association.A timeline for in-person events: April 2022 in Vancouver.What it's like to work in the health food industry.The movement from 10 day trade events to include year-round digital resources.The most outrageous health trend Aaron has seen: goat yoga.Five funny health trends: goat yoga, cow cuddling, healthy candy, celery juice, and clean eating.Consumer confusion in the health food industry and the onus to educate consumers.Upcoming plant-based trends: inclusivity, diversity, and innovation.How the natural health industry is looking to care for the health of the planet.The role of B Corp in caring for humans and the environment.Hot Seat Questions: guilty pleasure, dusk versus dawn, driving ratings, giraffes, and more.Aaron's predictions for the future of CBD oil in Canada.The future of the health food landscape and innovation in Canada. Links Mentioned in Today's Episode:Aaron Skelton on LinkedInAaron Skelton on TwitterCanadian Health Food AssociationDeliciously GeekyAllison Tannis on LinkedInAllison Tannis on InstagramNatural Health Influencer on InstagramPure-Lē Natural

If you've ever wondered about the safety of natural food products or why it is that CBD oil has been getting so much attention lately, then today's episode is for you! Our guest today, Donna Herringer, has had a tremendous impact on how natural health foods are regulated in Canada. She is a formidable figure in her field, having worked as the general manager at Quest Vitamins for several years and going on to serve as a highly impactful CEO for The Canada Health Food Association to help bring about massive changes in the industry. We talk with Donna about Canada's regulatory framework for natural health products and how it sets a unique global standard for ensuring trusted safety and efficacy. This framework has helped the sector thrive economically by allowing producers to put claims on their labels once they are Health Canada approved. In our conversation, we discuss the tremendous amount of work it took to bring about this framework, how it has impacted the consumer, and why Donna is determined to have CBD oil be classified as a natural health product. We dive into the many benefits of CBD oil, such as its ability to target inflammation, pain, and sleep disorders, and unpack why it's currently not available in pharmacies. For all this and more, join us today for an enlightening conversation on the fascinating machinations of CBD oil and what you as an individual can do to improve access throughout Canada!Key Points From This Episode:Meet today's guest Donna Herringer. The tremendous amount of work that was involved in CHFA.Why implementing a regulatory framework in Canada helped the economy around natural health food products grow and thrive.Why Health Canada Approved products are guaranteed to be safer and more effective.The regulatory framework for health food products in Canada sets the global standard.Canada is the only country with a unique category for natural health products.The current rules and uses of CBD oil in Canada.What Donna is doing to change the regulation around CBD oil in Canada.Donna recounts her experience purchasing CBD oil and why she wants to change the consumer experience.We subject Donna to our lightning-round questions.Donna's goals for CBD oil as an approved health food product.The therapeutic benefits of CBD oil and understanding why it's distinct from THC oil.How the natural health economy and the industry around CBDHow listeners can have a positive impact on improving access to safe and effective CBD oils.The geeky details of how CBD oil can benefit your overall health.The impressive effects that CBD oil can have on inflammation.How CBD oil can address some of the issues caused by a high-stress modern lifestyle that often lacks exercise, sleep, and nutrients.Links Mentioned in Today's Episode:Donna Herringer on LinkedInQuest VitaminsCanada Health Food AssociationDeliciously GeekyAllison Tannis on LinkedInAllison Tannis on InstagramNatural Health Influencer on Instagram Liquid Greens Chlorophyll Super Concentrate Dark Chocolate

Find Aaron here: https://www.linkedin.com/in/aaronskelton/ Find out if CHFA is for you by clicking here:https://chfa.ca/en/

Erin and James cover the following topics today: What makes a good client, using CHFA in Colorado Springs as a home loan grant and Colorado Springs is now banking on a future in solar. For more information visit https://www.erinandjamesrealestate.com/

In this episode we discuss about why you should consider the Certified Hyperledger Fabric Administrator (CHFA) exam and how it differentiates from the Certified Blockchain Developer Hyperledger Welcome to TechieCastJax, where the top technology and business experts around discuss the latest trends in high tech."This podcast is hosted by Joe Holbrook who is an experienced technologist pundit in Jacksonville, Florida "www.techcommanders.com

The latest news is that the real estate market in the Colorado Springs area is really hot. That’s great if you are a home seller but if you are buying a home in the lower price ranges it can be really competitive. How can a first time home buyer compete to get a home in this hot market? 1.Buyers Need to be Prepared 2. Here is what I am seeing in the market today: a.Buyers are having to bid way over the asking price for home under $450K - $10-40K b.Buyers have to be financially ready to make the best offer c.Buyers should NOT wait until the last minute to make their offer d.Buyers getting their offers accepted are offering e.Buyers have to assume they could be competing with a cash buyer 3 . First Time Home Buyer - Foote StoryMy team and work with buyers all the time. If you want to know how to get ready to buy your first home, our team can help. I know there are various low down loan programs out there, in this market does the amount of down payment matter?●Yes there are about 4 Zero Down programs that I can think of○CHFA – 2nd level of underwriting○Bond – 2nd level of underwriting○USDA – takes a long timeVA – fast and easy loan●The MYSTERIOUS VA Loan●Many sellers fear the VA will be:○Strict on the home’s condition – MYTH!●Seller Must pay Higher Closing costs – MYTHVA Super Strict on Appraisals – MYTH●VA Loan Eligible for Different Types of Buildings:○You can actually get more buildings financed through VA than most others:■MFR homes■Multi Family Homes■Apartment Buildings●On one of my listings the buyer offered VA but a down payment. The agent sold the story and that was the accepted buyer●It was NOT the highest offer. But the most likely to be successful at closing offer.This discussion fits right in with the next topic… When we come back, we will be discussing: Why Owning a Home in the Colorado Springs Area is a Great Investment Now & Hot Home of the Week

This is a recap of the tips in September. They include information about all types of loans, limits, how they benefit you including Renovation, CHFA, Jumbo, Conventional, FHA, USDA, and VA. I mean who are Fannie Mae and Freddie Mac? (Hint: Unfortunately not the neighbors down the street) As consumers we all want to make sure we understand .. and can take advantage of, our options. Particularly when it's funding possibly the largest purchase you've ever made! Yet with so many loan options how do you know where to begin?! Renovation loans are a great option for those who have purchased a home or investment property that needs a bit of TLC. Take advantage of the great appreciation we've had to make your current home your forever home. Old musty carpet and overly patterned tile might go out of style, but leveraging the wealth you've gained by owning your home hasn't. ----more---- CHFA - we all need a little help sometimes. As a home buyer you have to bring money to the closing table no matter what loan option you choose....but what if the majority of that could come from the state? That's right! There are so many opportunities to become a home buyer with as little as $1000 cash coming from your pocket. Owning your home can provide so many advantages. Don't let the amount you need to bring to the table stop you. Set yourself up to be 48 times wealthier by starting the home loan application process today! The Gang's All Here: Fannie, Freddie, and now Ginnie Mae Ginnie Mae is the one stop shop for first time home buyers. FHA, VA, and USDA, encompassed 67% of their loans just last year. Distinctive in income, location or past service, you can open a plethora of perks if you qualify. By placing only 3.5% or even 0% down, home and even investment opportunities are closer than you think, even if you don't have a high credit score. Make sure you have a loan officer that knows how to be creative, because the potential SAVINGS are huge. We're here if you need more information to help you decide which loan fits you. Nicole Rueth The Rueth Team of Fairway Independent Mortgage Corporation 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw 

We're opening our doors to the CEO of CHFA - the Connecticut Housing Finance Authority - to chat about how this quasi-public agency is working harder than ever to support renters and homeowners, rental housing operators, and to promote broader affordable and workforce housing across the state. Then it's time for our annual visit with Cindi Bigelow. The 2020 Bigelow Tea Community Challenge, like so many activities, is going virtual on September 27. So we'll get the lowdown on how you can get involved and also touch base with one of the event's key beneficiaries - The Connecticut Food Bank. Last but not least, we're calling all veterans and those who love them to register for the virtual 2020 Veterans Stand Down coming up September 24th and 25th. We'll connect the state Veterans Affairs Commissioner and clue you in on everything this year's Stand Down has to offer to our Connecticut heroes.

Nandini Natarajan, is the Chief Executive Officer for CHFAThe Connecticut Housing Finance Authority, CHFA, is a quasi-public agency, with a mission to increase the availability of affordable housing. CHFA accomplishes this mission in two ways:Providing low-interest rate mortgages to first-time homebuyers with low- and moderate-incomesProviding financing to developers to build new or renovate existing affordable multifamily rental housingCHFA, founded in 1969, is self-funding and generates its revenue by issuing bonds in the financial markets, using the proceeds of the bond sales to finance affordable housing. Since the beginning of the pandemic, CHFA has been reaching out to all of its customers and partners to share information on housing relief and regulatory requirements during the COVID-10 pandemic. www.CHFA.org

Listen in as your host Just Nate talks to our primary sponsor Colorado Housing Finance Authority (CHFA). Caroline Trani and Wyatt Jones discuss what CHFA is and how they can help you for your small business loans. business lending in colorado ​access the capital you need to grow We can help you reach new heights with your business, whether you are a for-profit or nonprofit. We even have unique programs for manufacturers, rural businesses, and healthy food grocers. Using a variety of resources, CHFA's Community Development team partners with lenders and economic developers to provide you with the financing you need for future growth. We know strong communities make strong economies and we are proud to play a role.​​​​​ - Excerpted from www.chfainfo.com Find out more at their website: https://www.chfainfo.com/ --- Send in a voice message: https://anchor.fm/thesmalls/message Support this podcast: https://anchor.fm/thesmalls/support

Bruce Cole talks to David Khang, owner and CEO of Platinum Naturals. Topics on this podcast include how David got his start in the natural health product industry and how the industry will change as a result of the COVID-19 pandemic. With a lot of uncertainty for natural health product retailers during this time, Bruce Cole and David Khang also discuss the changes that are happening to retailers and how they feel retailers can adapt their business model to continue to provide products for their retail customers. David also shares what he's doing with his Platinum Naturals staff to keep their spirits up during this time of social distancing.

In this podcast, you'll learn: Is it important that you choose a great partner or a mentor for you What is CHFA? There's so much demand for affordable housing now What is an Oversubscription? What is Multifamily New Construction Asset Class? Urban Town House (UTH) is a three story on grade town home rental product. The modular systems still don't deliver the cost efficiency that you can provide, using a loyal long term subcontractor base combined with a very efficient build plan Corona virus causing the prices drop 20-30% in modular housing Build through a recession Be very cautious in doing Rent Underwriting in times of economic downturn What is an Economic Sharing Model? What is Cash on Cash? What is a time weighted calculation? Go out and read articles on what IRI is and how it is calculated Build your own model To connect with Scott, please visit https://www.urbanpacific.com/ Sponsor: FREE GIVEAWAY: Learn how you can implement the Fix & List strategy by watching Eric Young's free video lesson at (https://www.fixandlistsecrets.com) *And please go to iTunes to leave us a rating and write a review. Each review helps us reach a larger audience with your episode (Creative Real Estate Podcast Review)

Bruce Cole and Deane Parkes are joined by Dan D. (CHFA), Donald C. (Nutters Everyday Naturals), Julie D. ( https://www.juliedaniluk.com) and Randee G. (Organic Garage) to give an inside look at how COVID-19 has been affecting the natural health industry. This podcast is part of a series of updates over the next few months. Please send us your own experiences on how these challenging times are affecting your business. We can be reached at bruce@cnhr.ca or deane@deaneparkes.com

This episode followed the first portion of the new Agent Ignite Coffee Talk series on Friday mornings. This week questions poured in including these topics: Forbearance, Unemployment claims, HELOC rates, FHA loans, investor rates, furloughed limitations in qualifying, COVID-19 addendums, rate locks, jumbo loans. Listen to this episode of The Double Comma Club. ----more---- You can get more information about joining in here.  Coffee Talk:   https://fairwaymc.zoom.us/webinar/register/WN_5xzg3jN3SDiM8mHV4FNQ0w Agent Ignite:  https://theruethteam.com/Agent-Ignite Do you actually read faster than Nicole can speak? Even after three cups of coffee? Then read the transcript below: Cara: We definitely have a few questions, so the first one that came through was, Are there any negative ramifications to forbearance on credit scores and different things like that?" Nicole Rueth: Fantastic question. Okay, so Fannie Mae and Freddie Mac said "no" right out of the gate. The government didn't, so it was actually up to the servicer. It was strongly recommended, but not required, and that's changing. With this stimulus bill, one of the things that they're saying in there is that that has to be honored and the credit won't get destroyed or there won't be any negative lates. Remember, they're going to have to catch up and there will probably be some foreclosures because of this, but whatever mortgage payments were missed are just going to be tacked onto the end. Most people don't make a full 30 years of payments, so that balance due will be paid when a refinance happens or a sale, but that's just going to be tacked onto the end and have to be made up. If you think of, especially those who are the majority of our FHA borrowers, they are entry-level homes. We have this increasing population that's coming in that wants those entry-level homes. I'm not worried about that supply coming into the market and even it really depressing our appreciating values at all. Cara: Then, do you think investors that are not receiving rental income will need to sell those properties? Nicole Rueth:  I love that question because I think, as an investor, I'm looking for two opportunities right now. Because, remember, as mortgage holders, so as a homeowner, I can go through forbearance and I can stop making my mortgage payment. The same applies to that, it was stated, you cannot evict during this time. Landlords have to be ... I don't want to say kind to their tenants. I'm always kind to my tenants, but we have to be understanding; you're not going to evict somebody in what's going on right now. Some people, I guess, would, and so they're mandating that you can't evict them. The same thing's going to happen. You're either going to have to have that tenant catch up or, once this is over, you're going to be able to evict them. There are investors who have done well over the last eight years. It's my expectation, and there are no numbers that qualify what I'm saying, it's simply my being in the market and what I think is going to happen. If I was an investor, and say I was 65 or 70 years old and I had all these investments, I might just take my chips off the table now. I might just say, "I had a great eight years, I've got a tenant who's not paying or maybe we just came out of this." There are hungry investors who will buy that investment, who have a little bit of money reserved and they know, if they can just hold on for the next two to four months, maybe six, then they're going to have an appreciating asset and inventory that they didn't have before, so the buyers will come in. I don't think it's going to be a fire sale. I think you're going to pay fair market value, but I think that there's going to be investors. There were at least some of their inventory during this time. The other opportunity I see is in commercial space. I think that there's going to be some commercial buildings, regretfully, because of businesses in the next six months. Cara: Yep, definitely. Then this next question was in reference to when we are looking at the different unemployment claims. It says, do you know what the percentages in claims were when you look at the population in 1982, and then you look at the current population and the percentages? Nicole Rueth: I don't have the percentages yet right now because unemployment always lags, so that unemployment number is still sitting at lows, but it won't as soon as that comes out again. That's an excellent question and I can do some research and see if I can find the answer and even post it up in the Agent Ignite group. Cara:  Then the next one is somebody was wondering what was happening with HELOC rates. Nicole Rueth:  Well, there are HELOC banks that are stopping. I know Bellco stopped taking any new originations, I know KeyBank stopped taking any new originations, and they're not closing their doors, they're just not taking any new originations. I'm hearing a few others that are about to do that as well. I've taken a poll of all of my folks, so if you want any names of people that are still doing the HELOCs, there are still some, I can give you the contacts that I reach out to all the time. I'm happy to do that, but as far as rates going up right now, the HELOC rates are going to be tied to prime. Prime's not going up. Prime is not necessarily tied to the mortgage-backed securities, it's tied to short-term rates, so I expect those to probably be good for another couple of years. At some point, they will go up and there's risk associated with that, but I'm not worried about it quite yet. Cara:  Awesome. Somebody, in the same general scope, was wondering if anything, in particular, is happening to VA loans. Nicole Rueth:  The same as gov. The FHA and the VA are the same, so we're still doing them and we will continue to do them. I don't foresee us stopping FHA or VA. In fact, I just took a number of FHA loans from another lender who's choosing not to do them, and I understand. Some lenders, let's just put this on the table. Fairway Mortgage, we're an employee-owned company. We are extremely liquid and we're well-founded financially, and we have a phenomenal leadership. That's a little plug for Fairway. The way we're going about this situation is we're taking every lesson that we learned in 2008 and we're making sure that we react quickly and then we save the ship. We're making sure that everything we do allows us to continue to do business. Our decision earlier this week to stop originating jumbos and then mid of this week stop originating CHFA was a pause. Neither one of those has stopped entirely. It was a "Let's see if we continue to have investors to buy this paper," because you have other lenders that are continuing to churn out those originations, and they might close in March, but if they don't have anybody to buy that paper in April, they might not have any warehouse line left to originate any more loans. Then we had to see what was going to happen with servicing, so there's a lot of unknowns the way this particular crisis is unfolding. I personally would be much more comfortable knowing that my company is making a few decisions, maybe even ahead of the curve, but decisions to protect the 85% of the business, which the 85% of the business is vanilla. It's your Fannie Mae, Freddie Mac, VA, FHA, and there we are extremely secure and we will continue and we'll pick back up on the jumbos and the downpayment assistance maybe in a couple of weeks or a month. As soon as we see servicing picking back up again and being well-funded and investors buying the paper. Cara: Then we had a question on when the dust settles, how much will buyer demand to be affected by the buyers that were good to go, having to then re-qualify, and will that cause any lag, and if so, how much? Nicole Rueth:  I don't think it's going to cause any lag. Many banks can, we can get a qualification out in a couple of hours. Other than if you have a temp employee or an hourly and you need verifications of employment, that kind of stuff is a little bit slower. Right now we're dealing with third-party services, so the IRS is having a huge delay and even a gap, in some cases, on the 4506-T, so that's the verification of your tax returns. Every time we're getting something, and then, of course, the home inspections of the appraisers. We're finding solutions when we're coming up against a problem and the whole industry, I'm pretty impressed, is moving pretty quickly to say, "Okay, so an appraiser can't go into a home. Here comes Fannie Mae, Freddie Mac, and the government, and FHA will follow suit saying a desktop appraisal is okay, or a drive-by is okay given the circumstances," so we're getting solutions very quickly, especially in this ...Everything's happening in a condensed ... If you go back to '08, it took six months for this stuff to unpack and dissipate, and this is just happening. It's like a year in a day. It's amazing to me. Cara:  Got you. Then somebody was asking what the investor rates were right now. They had a couple of clients wondering what that was like. Nicole Rueth: I'm not even going to quote a rate on something like this right now. Investor interest rates are higher, obviously than primary homes. Primary homes and second homes are the same interest rate. Investment rates might be a point higher. I would be shooting myself in the foot if I actually ... Because, like I said, if we're quoting anywhere from 3.25 to 4.25 on a primary home, depending on the day, and depending on the scenario, maybe we're quoting 3.875 to 4.99, in that range. It so varies. Cara:  Alex asked with it being harder for people to get government-funded loans, what do you think a safe credit score and DTI limit would be for first-time homebuyers looking to get into a home now that there's limited downpayment assistance? Nicole Rueth:  That credit box will tighten and it will tighten until we get through this. We're already seeing some announcements coming out. Fairway's announcement will come out. All of us are saying because we used to be 580 for VAs and 600 for FHAs, it's all going to start to look more like a conventional box because we're going to have to make sure that we have sellable paper. We have to have a loan that we can then sell on the secondary market. Cara:  Kelly asked can people still qualify for loans if they'd been furloughed? Nicole Rueth:  Had been in the past or currently ... Been furloughed. I was thinking forbearance, my apologies. If they have been furloughed, it is going to depend. If they don't have a paycheck coming in, sometimes when people are furloughed, they still get a base pay, but if they're not getting any pay at all, they're going to have to wait until they get some sort of payback. We're going to have to qualify them on something, whether that's a cosigner. I just did another couple, one spouse was furloughed but the other one had enough employment that we could qualify them to still buy, so it's taking a look at each individual case and finding the solution. There's always a solution in there somewhere. You just have to work hard enough to find it. Cara: Then, someone asked, on the brokerage side, we have a COVID-19 addendum to put the RE contracts on pause. Are rate locks being paused or extended on the lending side? Nicole Rueth:  We have not had a pause yet, so the rate lock is a very real cost and it all goes back to the insurance that we have to place and then finding that and the margin calls, there is a very real cost to locking in an interest rate. At this point, I have not heard, honestly, and I will ask that question. I have not heard of any non-cost-related pause; I've only heard of having to pay to extend the rate. Cara: Got it. Then, we have somebody who's wondering how you can help buyers who would need a jumbo loan, how can they best help them now that those are limited or nonexistent? Nicole Rueth: Yeah, and they're definitely limited. There are some banks that I know for a fact are still doing them. The interesting thing about that is when the other lenders are taking a position of lowering their risk by not doing them, and all of them start to go towards the few banks that are still doing them, those banks won't do them very long because, obviously, their percentage of risk is going to go much higher. Then the question is just because you lock it doesn't mean it's going to close. We're going to find that, after all these loans that close in March, there are going to be some lenders that might have liquidity issues, that are having problems locking, and we just saw Zillow canceled all their contracts literally days or a day before closing. I don't know that that'll be the last time. I'm not worried about that at all with Fairway Mortgage, not even a little, actually. The solution on those is I still have second lenders, so I would do a first and second loan. I'm still doing a number of those and then we would just refinance them in six months into a jumbo loan because the jumbo loans will come back. It's just a pause.   Cara: Are conventional loans going to be required to get forbearance under current legislation? Nicole Rueth:  Freddie Mac and Fannie Mae came out saying that they were allowing a 60-day forbearance. FHA, gov, came out saying that they were highly suggesting it. That will change with this stimulus package that is getting approved today, so all of them will have access to the forbearance. We're going to do this again next week because it's happening. Every day something's happening and I'm getting out on videos as much as I can. Guys, keep watching the social media, I'm just sharing everything I find, so if you have questions, even e-mail me and I can post about it if it's a big thing or I'll just stop and answer that, but definitely stay tuned. Every week we're going to do some version of this, making sure that I'm available, answering questions, sharing what I have learned that week because I'm learning a lot every single day. All right, well, thank you guys so much for joining us. I'm looking forward to chatting with you soon. Bye-bye.   Nicole Rueth, SVP The Rueth Team 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 303-214-6393 www.TheRuethTeam.com Connect on social media: Follow me on FB: https://www.facebook.com/theruethteam/ Twitter: https://twitter.com/nicolerueth Linkedin: https://www.linkedin.com/company/the-rueth-team-fairway-independent-mortgage/ YouTube Channel: https://www.youtube.com/channel/UCPMdb94tUNMMsUTgdWRMDKw Nicole Rueth (NMLS 239840) is licensed to practice on behalf of OneTrust Home Loans (NMLS 46375) in the states listed below. For full compliance verbiage, visit theruethteam.com/compliance/. AZ, CA, CO, FL, ID, IL, IN, KS, MI, MN, MS, MO, MT, NE, NM, NC, OK, OR, TN, TX, UT, VA, WA, WI, WY.  

Description for week 3: Bruce Cole and Deane Parkes are joined by Mike P. (Jamieson Wellness Canada). Bruce R.(The Vitamin Shop), Judy S. (CHFA) to give an inside look at how COVID-19 has been affecting the natural health industry. This is the third podcast in a series of updates over the next few months. Please send us your own experiences on how these challenging times are affecting your business. We can be reached at bruce@cnhr.ca or deane@deaneparkes.com

Bruce Cole and Deane Parkes give a quick update on how COVID-19 is affecting the natural health products industry. This is the first in a series of updates over the next few months. Please send us your own experiences on how these challenging times are affecting your business in the coming weeks. We can be reached at bruce@cnhr.ca and deane@deaneparkes.com

The first CNHR podcast of the new year with Deane Parkes and Bruce Cole touches on a few current new stories, including: • What’s next for Calgary’s Community Natural Foods? • A review of the Health First Network’s recent annual general meeting in Banff • SIAL Canada takes place April 15 to 17 in Montreal • a new book from a former CHFA board member • COTA is launching a new retailer membership Deane and Bruce interview Tomas Nimmo about the coming Guelph Organic Conference (January 23-26), and they speak with Judy Sharpe about CHFA West (February 20-23.) 00:48:44 - Tomas Nimmo 01:06:38 - Judy Sharpe

Tawana and Chris share tips on how to prepare financially to purchase a home. Tawana Bourne is a knowledgeable, experienced, compassionate and caring real estate professional. She is in the business of providing her clients the very best available real estate services. She incorporates hard work, dedication, passion, integrity and creativity into every detail of your real estate transaction to ensure that your needs and desires are met. As a lifelong Connecticut resident, Tawana is an enthusiastic member of the community; She enjoys spending quality time with her children and showing her clients the best that Connecticut has to offer; She is devoted to God, her family and her community. Tawana Bourns is Real Estate Salesperson representing Berkshire Hathaway HomeServices New England Properties, specializing in first-time home-ownership and seller representation. She is also the owner of Bourne Realty Group, LLC, a nationwide real estate investing firm specializing in distressed property acquisition. realtortawanabourne@gmail.com www.RealtorTawanaBourne.com Chris Bruno: Growing up in Providence, Rhode Island, the son of working-class parents, Chris Bruno always understood the value of hard work and dedication. As a Mortgage Loan Officer for Savings Bank of Danbury, let Chris Bruno help you to your new home. A mortgage and loan professional for more than 30 years, Chris has a degree in Economics and is a CERTIFIED FINANCIAL PLANNER™, giving Chris the knowledge and experience to help you through the loan process, find terms that are right for your budget, and make sure all the details are competently handled so that your closing goes smoothly and you can take possession of your new property. While not busy helping clients, Chris enjoys spending time and traveling with his wife, Carolynn. cbruno@sbdanbury.com Resources: NACA- www.NACA.com The incredible NACA mortgage allows NACA Members to purchase their homes with: · No down payment, · No closing costs, · No fees, · No requirement for perfect credit, · And at a below-market interest rate. Down-Payment Assistance Program (DAP) Loan www.CHFA.org Section 8 Self-Sufficiency Homeownership Program- https://www.hud.gov/program_offices/public_indian_housing/programs/hcv/homeownership HUD Homes- www.hudhomestore.com You can follow me at: Twitter and Instragram: itsmymoney_ Facebook: It'$ My Money Squad

Welcome to this episode of The Tonic, terrestrially broadcast on October 12 and 13, 2019 on AM740 and FM 96.7 in Toronto. Topics covered on the show track the lifestyle articles and themes published in Tonic Magazine. This week we discuss Mental Illness Awareness Week with Onika Dainty, the newest trends in healthy food from the recent CHFA with Megan Horsley, the basics of eye care with Dr. Raj Rathee and how to achieve goals like a successful person with Rod MacDonald. We specifically discuss: Mental Illness Awareness Week Onika Dainty Bi-Polar Affective Disorder 1 Cannabis Acknowledging that you may need help Understanding what mental illness is Dealing with mental illness alone How did Onika turn things around? Faces of Mental Illness Best advice for people who are struggling with mental illness Best advice for family and friends of someone struggling with mental illness The Dainty Dysh Podcast What can we do as a society? New Healthy Food Trends CHFA Keto diet and ketone powder products Grain replacements Cauliflower - cauliflower oatmeal Konjac Root Sugar-free sweetened foods Monk fruit sweetener Tapioca syrup Adaptogenic powders Eye Care 101 Regular eye exams Changes in eye health Glaucoma Diagnosis of other illnesses during an eye exam Presbyopia Cataracts Surgery for cataracts Risks of cataracts surgery Choice of lens replacement How To Achieve Goals Like a Successful Person What goals do people struggle with? Why do people struggle with their goals? Support of family and friends Procrastination Three parts of the brain - emotions vs. logic Using the strategic center of the brain Motivation tips What can we learn from successful people?

Welcome to this episode of The Tonic, terrestrially broadcast on October 12 and 13, 2019 on AM740 and FM 96.7 in Toronto. Topics covered on the show track the lifestyle articles and themes published in Tonic Magazine. This week we discuss Mental Illness Awareness Week with Onika Dainty, the newest trends in healthy food from the recent CHFA with Megan Horsley, the basics of eye care with Dr. Raj Rathee and how to achieve goals like a successful person with Rod MacDonald. We specifically discuss: Mental Illness Awareness Week Onika Dainty Bi-Polar Affective Disorder 1 Cannabis Acknowledging that you may need help Understanding what mental illness is Dealing with mental illness alone How did Onika turn things around? Faces of Mental Illness Best advice for people who are struggling with mental illness Best advice for family and friends of someone struggling with mental illness The Dainty Dysh Podcast What can we do as a society? New Healthy Food Trends CHFA Keto diet and ketone powder products Grain replacements Cauliflower - cauliflower oatmeal Konjac Root Sugar-free sweetened foods Monk fruit sweetener Tapioca syrup Adaptogenic powders Eye Care 101 Regular eye exams Changes in eye health Glaucoma Diagnosis of other illnesses during an eye exam Presbyopia Cataracts Surgery for cataracts Risks of cataracts surgery Choice of lens replacement How To Achieve Goals Like a Successful Person What goals do people struggle with? Why do people struggle with their goals? Support of family and friends Procrastination Three parts of the brain - emotions vs. logic Using the strategic center of the brain Motivation tips What can we learn from successful people?

early morning podcast. Trade shows, a philosophical look at retail, Linkedin promotions

EP 8: April Neuhaus, Shark Fighter Sources Used: https://www.marketwatch.com/story/the-best-us-cities-to-raise-a-family-2019-04-01 , n2n.org Topics You’ll Hear: April’s start in the game in 2007 grew from her passion to help during such a hard time. How Neuhaus Real Estate came to be. Collaboration vs. competition. N2N.org utilizing CHFA. Local Breweries and fun spots in Berthoud! Shark fighting. Do your best, then go to sleep. **$200 Visa Gift Card Giveaway**  *WINNER ANNOUNCED MAY 9TH. Rules to enter on our Instagram page. Heart Focus Moment: Sheryl Sandberg Find us on Instagram! @RealEstateReadyPodcast

Bruce and Deane speak with Nathalie Lefebvre, National Sales Manager, Genuine Health and Tracy Creighton, Sales Director, Eastern Canada at SISU about what is new and trending with our retail partners.The boys also have a talk with Matthew James, President and CEO of Purity Life about the latest news and happenings in our industry.Finally, they discuss the upcoming CHFA East Trade Show (next week) with Judy Sharpe, Director, Trade Shows and Conferences and Catherine O'Neill, Director of Membership with the CHFA. 0:14:00 - Nathalie Lefebvre 0:35:23 - Tracy Creighton 0:57:28 - Matthew James 1:19:38 - Judy Sharpe 1:30:33 - Catherine O'Neill

Bruce and Deane talk to Helen Long and Adam Gibson of the CHFA about the upcoming Regulatory changes. They then follow up with an interview with Manon Bombardier of Health Canada. 42:37 - Helen Long and Adam Gibson 01:05:40 - Manon Bombardier

Bruce Cole and Deane Parkes are back with their latest podcast. Listen for all the latest industry news. Bruce and Deane welcome Judy Sharpe, Director, Trade Shows & Conferences at the CHFA to discuss the upcoming Vancouver CHFA West Trade Show. Other guests include Don Smith, Chair of the Board of Directors of the CHFA, from Foodsmiths in Perth, Ontario and Catherine Cole of the Great Vine in Huntsville, Ontario.

If you’ve been around Denver for more than a few years, you may have noticed that the city is rapidly changing. Have you ever wondered who and what created your neighborhood? Did you know that, for many residents, there is currently a housing crisis, as property costs have grown, while income has not? What does the Bible have to say about land, housing, and cities? Housing issues are inextricably related to education, race, and socioeconomics, and if we don’t understand the history of where we live, it’s difficult to love our neighbors well. This conversation led by DPC member Meghen Brown provided education to participants about the racial history of Northeast Denver, as well as look at the people and events that have shaped Denver, particularly northeast Denver, over the past 50 years. The conversation explored how housing policy and market forces have shaped our community, including segregation, discrimination, and gentrification. She also critiqued the two opposite extremes of the “free market” approach and the “social justice” approach to housing, and present a new way of addressing problems: through a more nuanced, hopeful, gospel-informed grid. Meghan Brown is a Tax Credit Officer at Colorado Housing and Finance Authority (CHFA) who grew up in the area and has worked with various urban ministries, nonprofits, and local and state governments. Meghan will be co-presenting with her CHFA colleague Kim Martin, First Lady of Zion Temple Church, a NE Denver native, and active with the National Organization for African-Americans in Housing and Metro Denver Fair Housing Task Force.

Bruce Cole and guest-host, Matthew James, discuss the latest news in the Canadian Natural Health Industry including an update on Health Canada with Helen Long, President of the CHFA. Roving Cub Reporter, Deane Parkes, reports from the side of the road in his Ford F-150 mobile studio and there's never a dull moment with at least two exciting pieces of BREAKING NEWS. Remember to contact Bruce (bruce@cnhr.ca) if you would like to be on the show or if you have any Breaking News to pass his way.

CNHR Radio Hour - Podcast 7 - Industry News and CHFA Follow up Bruce, Deane and Matthew James discuss industry news, CHFA Quebec and upcoming industry events. We talk to Helen Long about reaction and responses to Health Canada's proposed changes to the Natural Health Industry.

Get into a home with a 1% down payment! Q&A with the mortgage man, Ben Smith.

Bruce and Deane discuss the changes to our industry that Health Canada is proposing. Find out how you can participate in letting Health Canada know how we feel about the proposals. In this podcast we talk with... time: 9:18 Helen Long, President, CHFA time: 25:15 Eldon Dahl, Founder and CEO of Life Choice Ltd, Cochrane, AB time: 41:26 Matthew James, President of Purity Life Health Products time: 51:35 Robert Assaf, CEO of Kardish Health Food Centres, Ottawa time: 1:04:00 John Biggs, Owner of Optimum Health Vitamins, Edmonton, AB As always remember to contact Bruce at bruce@cnhr.ca or Deane at deane@deaneparkes.com if you would like to be on the show or if you have any suggestions for future topics to cover in the Natural Health Industry.

On this week's episode, Dai, Adam and Spencer dive into food philosophy and why food plays such a critical role in our health and how we are feeling. Why do you eat what you eat? That's today's question. Everything we put into our bodies has an impact. However, we don't have to revolutionize our eating habits within a day either. You can start a quick 7-day challenge or even introduce new foods into your diet slowly. If your mouth was a fuel tank, what kind of fuel would you put in you to help the machine run efficiently?    Key Takeaways: [1:15] Let's talk about food! [1:55] Why are you eating the foods that you're eating? [2:35] Spencer fuels his body for sports. [3:30] A healthy relationship with food has to be a conscious decision. [5:05] Food is an everyday thing, which means we need to get back to making smart choices about food. [6:55] How do we break our unhealthy relationships with food? [7:35] Track what you're eating!! [8:40] Clean out your kitchen. [9:20] How can hemp seeds help you? [12:15] Our mouth is really our fuel tank — so what are you going to put into your car? [12:50] What is being marketed as the healthy option is often not even close to being healthy. [13:25] Don't be afraid to do just a 7-day challenge. [14:45] Too busy to track what you eat? Take a photo of it instead. [16:50] Are you a vegan? A vegetarian? At the end of the day, it's not about the title, it's about feeling good. [18:30] Whatever we put into our bodies has an impact, whether good or bad. [19:25] Dai talks about what he learned at the CHFA conference. [21:30] There's no reason why we have to blindly feed our families in this technology age.    Mentioned in This Episode: Myfitnesspal.com The Canadian Health Food Association   Connect With the Guys Here: Instagram: @22forlifepodcast #22forlife   Dai Website   Adam Website   Spencer Website

CNHR Radio Hour (or two) with Bruce W. Cole and Deane Parkes. News and views on the Canadian natural health industry. Interviews with the CHFA's Judy Sharpe and Helen Long, Katherine Herringer from Multibird Branding, and Jean-Francois Tanguay from Avril Supermarché Santé. Quick Reference Times: 07:15 – CHFA West Vancouver – Trade Show Info11:18 – In the News27:32 – SPINS coming to Canada33:26 – Deane Parkes – Information on Assured Natural Distribution44:46 – CNHR Golf Tournament48:51 – Avril store opening52:00 – Purity Life expansion54:46 – Rising Stars59:40 – Interview: Judy Sharpe, Director, Trade Shows & Conferences, CHFA01:11:28 – Helen Long, President, CHFA (Market Insights)01:28:11 – Katharine Herringer, Multibird Branding Inc. & Vista Magazine (Women’s Leadership Breakfast)01:39:44 - Jean–Francois Tanguay, Avril Supermarché Santé – Avril store opening / in-store technology01:53:42 – Thank You and contact information For suggestions, requests, advertising information or if you would like to be on the show please contact bruce@cnhr.ca or deane@pno.ca

On today's show, we have an impromptu talk with Patricia Bragg, at the recent CHFA show, in Toronto. We were able to pull her away from her booth for a few minutes to chat about what keeps her thriving at 86. We're planning on having Patricia back on for a full length episode in the future. In this episode, we discuss: You are what you eat, drink, breathe, think, say, and do What you eat and drink walks and talks tomorrow How to start breathing deeper Purify the air with plants Learn something new every day Think before you speak Plan, plot, and follow through with your life Related links: Sunwarrior

Featuring: Michael Pytel, Co-Founder, Nimbl; Jaime Gomez, COO, Colorado Housing and Finance Authority; and Rob Rose, Engagement Manager, Denver Metro Chamber of Commerce Hosts: David Biondo and Dean Rotbart Photo:  Michael Pytel, Nimbl Orginal Broadcast:  June 17, 2012