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Ability of an entity to interact with physical or mental reality

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Latest podcast episodes about existing

Thoughts on the Market
2022 US Housing Outlook: Strong Foundations but Reduced Affordability

Thoughts on the Market

Play Episode Listen Later Jan 20, 2022 7:19


The foundation for the housing market remains healthy in 2022, with responsible lending standards and a tight supply environment, but, as the year continues, affordability challenges and a more hawkish Fed will likely slow appreciation and dampen housing activity.----- Transcript -----James Egan Welcome to Thoughts on the Market. I'm James Egan, co-head of U.S. Securitized Products Research here at Morgan Stanley, Jay Bacow And I'm Jay Bacow, the other co-head of U.S. Securitized Products Research. James Egan And on this edition of the podcast, we'll be talking about the 2022 outlook for the U.S. housing market. It's Thursday, January 20th at 10:00 a.m. in New York. James Egan All right, Jay. Now, since we published the outlook for 2022, the market has already priced in a much more hawkish Fed and Fed board members really haven't been pushing back. We've now priced in 100 basis points of hikes in 2022 in addition to quantitative tightening. How does this change how you're thinking about the mortgage market? Jay Bacow When we went into the year, we thought that mortgage spreads looked pretty tight and thought they were going to go wider, and that was in a world where we just thought the Fed was going to be tapering and stop buying mortgages, but still reinvesting. Now that they're pricing in that the Fed is going to be hiking rates and normalizing their balance sheet, mortgage spreads have widened about 20 basis points this year, but we think they have further room to go. This is because a normalizing Fed is going to mean that the supply to the market in conjunction with the net issuance is going to be the highest that the private market has ever had to digest. So, we think that could push spreads about 10 or 15 basis points wider, which is going to weigh on mortgage rates, but mortgage rates have already been going up. They are about 3/8 of a point higher just over the last month. And when we forecast mortgage spreads and interest rates to go higher over the next year, we think this could end up with about a full point rise in mortgage rates this year. Jay Bacow So, Jim, a point move higher in mortgage rates. What does that do to affordability? James Egan The short answer is they don't help affordability. For people who've been listening to our podcast before, affordability largely has three main components: home prices, mortgage rates and incomes. And so, if we're talking about mortgage rates, a full 100 basis points higher, that's going to be bad for affordability. But look, this just reinforces what we're thinking about affordability with respect to the housing market as we look ahead to 2022. In our outlook, we described affordability as the chief headwind to home prices and housing activity this year. Looking back to the end of 2021, home prices were climbing at a record pace of growth. And one of the good things about this climb is we think it's been healthier than the prior times that HPA even approached these levels. We got to almost 20% year over year growth because of the fact that we had an historically tight supply environment, and we had a lot of demand, and that demand was not being stimulated by easing lending standards. Lending standards themselves remained very responsible. James Egan But just because the foundation of the housing market today is healthy, and we believe it is, that doesn't mean it can't be too expensive. As home prices were climbing, mortgage rates continued to fall to record lows, and that really acted as a release valve with respect to affordability in the market. That release valve has already been turned off. Mortgage rates climbed throughout 2021. We expected them to climb in 2022. Yes, we now see them climbing faster than we anticipated, but that release Valve, as I mentioned, was already turned off. Affordability was already a substantial headwind in our call. Jay Bacow All right, Jim. So, we've talked about affordability. Can you remind us where do home prices currently stand? Haven't they started to come down a little bit? James Egan Yes. Home prices have been slowing for two months now. And it's becoming more pervasive geographically. James Egan As recently as July, 100 of the top 100 metro areas in the country, were not only seeing home prices grow year over year, but that pace of growth was accelerating. Five months later, the most recent data we have there is November, it's fallen from 100 out of 100 to 38 out of 100 metro areas, still seeing acceleration. The other 62? They're still climbing. But the pace of that growth has slowed. Jay Bacow All right, so home price growth is slowing. Does this mean that it just continues to slow and home prices actually go negative this year? James Egan We do think that home price growth will continue to slow, but we definitively think it will remain positive. We do not see home price growth going negative on a year over year basis. One of the biggest reasons there: healthy lending standards that we mentioned earlier. That kind of responsible underwriting we think keeps distressed transactions, so delinquencies - really foreclosures. It keeps those distressed transactions limited, and you really need an increase in the concentration of distressed transactions to see home price growth turn negative, or to see home prices turn negative. James Egan One of the other things we talked about affordability that we do think is playing a role in the housing market is supply. The supply market is at historical tights right now. That contributes to the healthy foundation that we see the housing market sitting on. We do think we are going to start to see a supply increase on the margins next year. Existing inventories continue to fall, but new inventories have been up over 30% year over year each of the past four months. While single unit starts might not be climbing at the same pace today as they were early in 2021, if we look at the number of single unit homes under construction today, that's surpassed the number of multi-unit homes under construction for the first time since 2013. We do think that will mean more supply coming on the market next year. James Egan The overall environment will be tight. But we will no longer be able to say historically tight. We will see positive year over year changes. That also weighs on the pace of home price growth, which is why we see it slowing to 5% by 2022. Jay Bacow OK, but Jim, you talked about supply and how that's been picking up recently, but that was based off of a period when mortgage rates are lower than they are today. What is this forecasted rise in mortgage rates mean for your expectations for housing activity going forward for the rest of 2022? James Egan So I think there's a few ways that this rise in mortgage rates can impact housing activity. The I think most straightforward way to think about it is on the affordability spectrum that we've been talking about. It's going to make the carrying cost, the debt service of housing those mortgage payments more expensive for households. And that affordability problem is going to weigh on purchase decisions that, as I mentioned earlier, reinforces what we were already thinking about the housing market this year. It also contributes to a lock in effect - borrowers that have homes at lower mortgage rates, it now increases their opportunity costs to move. They'd have to take on a larger mortgage if they were to move their home, and so it weighs on supply as well. James Egan We see it leading to a decrease in existing home sales. So home prices will slow, but they'll remain positive. We do think that home sales are going to fall. Throughout the totality of 2022 we see existing home sales coming in about 5% below where they'll finish 2021. Jay Bacow All right. So basically, a more hawkish Fed has meant that mortgage spreads have widened out and mortgage rates are heading higher. This has led to reduced affordability, which is also going to cause a bit of a slowdown in home sale activity and a slowdown in home price appreciation. But home prices will still near higher than where they are now. I got that right? James Egan Absolutely. James Egan Jay, thanks for taking the time to chat. Jay Bacow Always a pleasure, Jim. James Egan As a reminder, if you enjoy Thoughts on the Market, please take a moment to rate and review us on the Apple Podcasts app. It helps more people find the show.

Best Real Estate Investing Advice Ever
JF2696: 4 Ways to Find Low Competition, High Cash Flow Multifamily Markets with John Todderud

Best Real Estate Investing Advice Ever

Play Episode Listen Later Jan 19, 2022 23:56


Focusing on smaller, growing markets for multifamily properties has provided John Todderud a chance to get ahead of the competition. Existing competition is low, and opportunity for cash-flow heavy properties is high—if you know what you're looking for. In this episode, John discusses what to look for when selecting a potential business partner and how to find and evaluate multifamily markets. John Todderud | Real Estate Background Founder of Cardinal Oak Investments which buys multifamily properties in growing markets with cash flow and limited competition for deals. They work with partners to help them manage the asset, fund the equity, maintain the books, and communicate with investors. Portfolio: 96-unit in Tulsa, OK as GP. Two investments as LP. Recently sold two properties: a 32-unit he syndicated in Greenville, SC, and a 15-unit in Yakima, WA. He's doing a 1031 exchange from the 15-unit, buying a 40-unit apartment complex in Kansas City. Based in: Renton, Washington Say hi to him at: www.cardinaloak.com | Instagram: @johntodderudoutdoors | john@cardinaloak.com Best Ever Book: Killers of the Flower Moon: The Osage Murders and the Birth of the FBI by David Grann. Click here to know more about our sponsors: Deal Maker Mentoring | PassiveInvesting.com | FollowUp Boss

Paranormal Mysteries Podcast
#243 | Seeing Dead People, Supernatural Mist & Existing In Multiple Realms | Paranormal Mysteries

Paranormal Mysteries Podcast

Play Episode Listen Later Jan 19, 2022 24:17


In today's episode of Paranormal Mysteries, I'll be talking about people that can see the dead, strange supernatural mist, and existing in the living, and spirit realms.TELL YOUR STORY Email: paranormalmysteriespodcast@gmail.com Voicemail: https://www.speakpipe.com/paranormalmysteries Website: http://www.paranormalmysteriespodcast.com/ Forum: https://bit.ly/3ENWf85 SUPPORT THE SHOW Patreon: https://www.patreon.com/join/paranormalmysteries? BuyMeACoffee: https://www.buymeacoffee.com/paranormal PayPal: https://www.paypal.com/donate/?hosted_button_id=MG24QCZBAWRRN SOCIAL MEDIA Facebook: https://www.facebook.com/paranormalmysteriespodcast Instagram: https://www.instagram.com/paranormalmysteriespodcast Twitter: https://twitter.com/ParaMysteryPod PODCAST SOURCE: https://www.spreaker.com/show/paranormal-mysteries-podcast STOCK MUSIC & MEDIA PROVIDED BY AndianMusic / Pond5: https://www.pond5.com/artist/andianmusic dauzkobza / Pond5: https://www.pond5.com/artist/dauzkobza ElectricMoments / Pond5: https://www.pond5.com/artist/electricmoments FicusProsound / Pond5: https://www.pond5.com/artist/ficusprosound#1/2064 FinalVersionStudio / Pond5: https://www.pond5.com/artist/finalversionstudio hitwizard / Pond5: https://www.pond5.com/artist/hitwizard#1/2064 LeChuckz / Pond5: https://www.pond5.com/artist/lechuckz lynnepublishing / Pond5: https://www.pond5.com/artist/lynnepublishing miksmusic / Pond5: https://www.pond5.com/artist/miksmusic#1/2064 Miracle Forest: https://www.youtube.com/watch?v=__iDig5NKcA&list=PLjbSDRHeNjFs5WCK-UypYie-XD2YZ8i2e&index=1&t=1856s RickyValadez / Pond5: https://www.pond5.com/artist/rickyvaladez#1/2064 Sound of Muses: https://www.youtube.com/watch?v=EUer-Tto1ZA Sungep / Pond5: https://www.pond5.com/artist/sungep#1/2064 TRWorkshop / Pond5: https://www.pond5.com/artist/trworkshop#1/2064 zacnelson / Pond5: https://www.pond5.com/artist/zacnelson#1/2064 © Copyright Paranormal Mysteries Podcast, 2022. All rights reserved. Any reproduction or republication of all or part of this audio is prohibited.

Pixie Dust & Profits
056: Take Advantage of Your Existing Technology

Pixie Dust & Profits

Play Episode Listen Later Jan 18, 2022 12:36


Each week, we come to you with ideas from the Mouse on how you can better run your online business. In this episode, we're discussing Disney's newest rides: Ratatouille, Rise of the Resistance, and Mickey's Runaway Railway.   If you are thinking about starting something brand-spankin' new in your business, listen now to hear how you can use things you already have in your business instead. This way, you can stop chasing the “new and shiny,” and instead get results for your audience and your bottom line. Listen now and discover: Disney's brand “new” rides and what we think about them The Rise of the Resistance and the trackless ride system How to use things you already have to influence your next decisions How to revisit old products or offers to see new potential Your small business takeaways: Amplify the things that are already working in your business rather than taking on brand new projects! Links: Stop Chasing Squirrels Profitable and Productive Party

MagaMama with Kimberly Ann Johnson: Sex, Birth and Motherhood
EP 146: Vocalizing, Breathing, and Finding Your Authentic Voice with Marisa Michelson

MagaMama with Kimberly Ann Johnson: Sex, Birth and Motherhood

Play Episode Listen Later Jan 14, 2022 71:40


Summary In this episode Kimberly and Marisa discuss vocalizing, breathing, and various similarities between singing and somatics. Marisa shares her evolution as a singer and how somatics, embodiment, and understanding her nervous system was fundamental to embracing her natural sound. They also describe how they began working with each other, how creating sound is an embodied practice, and various ways to create our own authentic sound both mechanically and metaphorically.   Bio Marisa Michelson is a composer, vocal coach and accomplished award winner at the nexus of theatre, experimental music, opera, new music, and improvisation. She is the Director and Founder of Constellation Chor, has taught various renowned workshops, earned her B.F.A. from NYU in Musical Theater, and is a former yoga instructor. Marisa is currently working on her upcoming book “Free: The Embodied Metaphysics of Singing” as well as various workshops that combine vocalizing and nervous system healing.    What She Shares: –Her background in singing and performing –Similarities between singing and somatic experiencing –Bodily mechanics and spiritual metaphors of vocalizing –Voice pitch and gender/authority  –How our sounds are ancestral   What You'll Hear: –Language similarities between somatic experiencing, embodiment, and vocalizing/singing –Kimberly and Marisa discuss their lessons together –Background in singing, music, and theatre –Coming home to self before performing as a break from tradition in singing/performing –Singing as a genuine way of connecting with self and embodied practice –Paradigm shift while working with singers and composing music after new embodied practice –Founding and codifying music and somatics –Differences in voice pitch in relation to gender and authority –Bodily experience of owning and accepting one's own voice –Practice of valuing what comes out authentically and is internal not changing for external –Various breathing practices prioritize particular ways to breathe but depends on flexibility and context –Having presence and self-awareness with whatever emotions come in singing, speaking, living –Element of control in breathing doesn't allow free relationship to own voice and sound –Authentic expression –Practice “letting go” of breath instead of controlling –Infinite ways for diaphragm to move with sound –Touch and gentle tapping in breath-work for more subtle movement of diaphragm –Magic in the letting go and surrendering of breath and less of controlling in big inhaling of the breath –Existing in a gentler space through breath –Ancestral sounds and imitation versus authenticity –Lack of ritual and ceremony in community in hyper-individualistic culture –Bringing attention to the body and honoring the body –Infinite human sounds existing in our bodies –Our bodies and sounds are ancestral –Artists Marisa enjoys –Music genres as cultures –Upcoming classes and workshops on voice and nervous system   Resources Website: https://www.marisamichelsonvocalstudio.com/

Making Math Moments That Matter
Why Our Existing Resources Need To Change & How To Do It Easily

Making Math Moments That Matter

Play Episode Listen Later Jan 10, 2022 45:09


In this episode, Jon & Kyle take a deep dive into how we can make our existing curriculum resources be it a textbook or worksheets into curious lessons that students lean in to learn. Specifically, we'll be talking about why Sparking Curiosity is such an important part of the Make Math Moments 3-Part Framework and some strategies for the types of problems you might choose to transform. You'll learn: Why our existing resources need to change, but should not be thrown out;Why curiosity is such an important part of the 3-part Framework and how it not only helps draw in students, but also primes their brains for new learning;How to quickly identify problems from your resources that are easier to transform than others; and,Where you can go to dive even deeper into overhauling your approach to lesson design.What are you waiting for? Let's dive into this deep dive lesson on Why Our Existing Resources Need To Change & How To Do It Easily! Resources: Register: Transforming Your Textbook Webinar SeriesHow To Flip Your Classroom The Right Way [Podcast Episode]Gorilla Video [Selective Attention] Distance Formula Without The Formula [Lesson]Make Math Moments 3-Part FrameworkProblem Based Math Units

Podcast Strategies for Growing Your Business, Community, and Influence While Profiting
122: How to generate leads and business from your existing clients

Podcast Strategies for Growing Your Business, Community, and Influence While Profiting

Play Episode Listen Later Jan 5, 2022 10:29


So many of my mentors have taught me that it is much easier to sell to and grow your business through your existing customers. I agree completely. Just look at how much emphasis is placed on CX. Think about those businesses you frequent and you'll see it's because they treat you well and you, in turn, spend lots of money with them. I've seen this happen in my business. At least 75% of my clients are a result of referrals from other clients and former clients. You may have heard me mention it recently in my episode about how I grew my business. It's common to chase after new clients to the neglect of existing clients so let's think about them today. In terms of growing your business through existing clients, I want to give you two main strategies. 1. Referrals from existing clients and 2. New Services that offer value to your existing clients. Resources mentioned: Podcast Roadmap - https://dannyozment.com/roadmap   *** Are you interested in starting or growing a podcast AND business with the support of my team and a community of experienced podcasters? Join my Podcaster Pod. You get... Full access to my 8-module podcasting course taking you from idea to launch and everything in between. Equipment and tech, Recording and publishing. Scripts and templates. Everything! Access to me, my team, and a group of experienced podcasters through a private Slack channel​ Monthly Q&A calls with me and the other Podcaster Pod members. Quarterly Expert Calls​ Access to me and my network –– meaning I will introduce you to other influencers and people who can help you where it makes sense.​ Consider joining my new membership site for $47/month. Go to https://dannyozment.com/pod Use code JOINPODPOD to get a 1-month free trial. *** Do you have a website for your business or personal brand or are you building one? If so, then you need WPX hosting. I use WPX for all of my sites and so do many of our clients. For $25/month, WPX's Business Plan gives you Hosting for 5 Websites 10 GB Storage 100 GB Bandwidth Free SSL certificates The WPX Cloud Content Delivery Network They average around 30 second support response time 24/7/365 around the world Provide free unlimited site migration from any host to WPX, usually completed within 24 hours And they are fast because they never overload servers with hosting accounts, unlike so-called 'cheap' hosting which crumbles under any traffic load Sign up for the WPX Business Plan by visiting https://dannyozment.com/wpx *** Are you building an email list for your business or personal brand? If so, then you need ConvertKit. I use ConvertKit for my list and so do most of our clients. For $29/month, ConvertKit's Creator Plan  manages up to 1,000 subscribers Provides unlimited landing pages & forms Sends email broadcasts Provides the ability to Sell digital products & subscriptions Has super fast Email support AND MOST IMPORTANTLY... Gives you Free migration from another tool AND Automated funnels & sequences Get a free 14-day trial of the Creator Plan by visiting https://dannyozment.com/convertkit   *** My Recommended Resources - https://dannyozment.com/resources 

Home Building Hero
2021 Housing Market Re-Cap

Home Building Hero

Play Episode Listen Later Jan 3, 2022 25:05


2021 Was a banner year for housing. Existing homes continued to sell quickly and new home construction increased at a strong pace. We recap how the year shook out and share key stats on the market and what it might mean for the market in the New Year. Don't miss this information packed episode!! Thanks for listening to reach us visit: www.homebuildinghero.com Twitter: @building_hero Facebook: www.facebook.com/homebuildinghero Instagram: @homebuildinghero Email us: homebuildinghero@yahoo.com To learn more about my building company and to inquire about building visit Belman Homes Lastly please pick up a copy of my new Amazon Best Selling book "Leadership Growth Hacks" at https://amzn.to/2ZBRuN3 -David Belman/Home Building Hero

Real Money Real Business Podcast
RMRB 531 - Using an Existing Skillset and Passion to Create a Successful Content Site

Real Money Real Business Podcast

Play Episode Listen Later Jan 3, 2022 14:25


In this episode, Michelle talks to the seller of an affiliate, Amazon Associates, and guest post business created in January 2017 in the health and fitness niche. Listen in to find out how the business makes an average of $2,337 per month in net profit, why the seller has decided to sell, the lessons learned from running the business, and much more.  Visit https://app.empireflippers.com/listing/57796  to learn more about this business.

Real Estate News: Real Estate Investing Podcast
The Real Estate News Brief: Year-End Optimism, Surge in Home Sales, SFR Investor Pay Raise

Real Estate News: Real Estate Investing Podcast

Play Episode Listen Later Dec 31, 2021 6:25


In this Real Estate News Brief for the week ending December 25th, 2021... why consumers are feeling optimistic about the economy, the latest surge in home sales, and which investors are getting a nice pay raise.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week and a busy Christmas holiday. There's now just one week left to the year, and economists say the economy is showing signs of strength despite the current COVID-19 surge. Last week, the number of Americans filing for unemployment benefits held steady at just over 200,000 applications. That's below pre-pandemic levels, which were averaging about 220,000 per week. The number of people already collecting checks shrank a bit, to 1.86 million, which is slightly higher than the pre-pandemic level of 1.7 million.Although the holidays could be skewing those numbers somewhat, Rubella Farooqi of High Frequency Economics feels they are heading in a good direction. She said in a MarketWatch report: “The data can be noisy during the holidays, but filings continue to trend down on strong demand for workers amid a labor shortage. The risk now is from new virus variants which are forcing businesses to voluntarily close in response to rising infections.” (1)November ended with an inflation rate of 5.7%, as the nation deals with the Covid-19 Omicron variant. That's up from 5% in October and the highest level we've seen since last summer when the Delta variant was surging. (2) But inflation doesn't appear to be impacting consumer confidence this time around. Consumer spending rose .6% in November (3) and the Conference Board's index was up several points for December.Conference Board President, Steve Odland, says consumers may feel less concern at this point, because it appears the Omicron variant is not as dangerous as Delta. He said on CNBC's Power Lunch last week: “Part of that may be simple Covid fatigue… but also Omicron is less lethal than prior versions and I think that's giving people more confidence all the way around.” (4) Real estate continues to be one of the strongest parts of the economy. New home sales hit a seven-month high in November. They were up 12.4% to a seasonally adjusted annual rate of 744,000. That's up from 662,000 in October, although that was heavily revised from about the same number we're currently getting for November. So the November number could change. But economists say the housing sector is strong with a median sales price of $417,000. That's a new record high. They are also expecting price growth to slow when the Fed starts raising interest rates next year, to control inflation. (5) Existing home sales were also strong in November. The National Association of Realtors says they were up 1.9% to a seasonally adjusted annual rate of 6.46 million. That's a 10-month high, and the third month in a row that they've increased, despite the inventory issue. NAR says inventory levels were down 13% compared to November of last year, but surveys done by Redfin.com show a rise in the number of homeowners planning to sell in the early part of next year. (6)Mortgage RatesAnd homebuyers can still get a screamingly good mortgage rate. Freddie Mac says the 30-year fixed-rate mortgage was down 7 basis points last week to 3.05%. The 15-year was down 4 basis points to 2.3%. (7)In other news making headlines…Single-Family Rental Rates Rent growth for single-family homes is turning into a generous pay raise for investors. The latest report from CoreLogic shows that rent levels were up 10.9% year-over-year in October and that vacancy rates are at 25-year lows. (8) CoreLogic economist, Molly Boesel, says it's the sixth month in a row that rent growth has hit a new high for single-family homes. She says it's rising in lock-step with higher home prices, and that: “Rent growth this October was more than three times that of a year earlier.” And last year was a good year because of the Covid migration to the suburbs and single-family homes.The metros showing the highest growth rates are Miami with a 29.7% year-over-year increase, Phoenix with a 19.3% increase, and Las Vegas with a 16.5% increase. The best rent growth has also been for higher-priced rentals. 2022 Homebuyer StrategiesHigh home prices have left many wannabee homebuyers in the rental market, but realtor.com says they are optimistic about their ability to buy a home in the coming year. The survey shows that more than a quarter of those shoppers were unable to buy a home and that many are planning new strategies for 2022. (9)Among those strategies are plans to make all-cash offers or larger down payments if possible, making offers above the asking price, and writing home seller love letters which are currently frowned upon and illegal in the state of Oregon. 22% of those surveyed say they plan on going over their budget for a home, and 13% plan to make an offer on a home they haven't seen in person.That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review! You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/first-time-jobless-claims-unchanged-at-205-000-in-week-ended-dec-18-11640266598?mod=economic-report2 -https://www.marketwatch.com/story/coming-up-latest-read-on-the-feds-favorite-inflation-gauge-11640265116?mod=economic-report3 -https://www.marketwatch.com/story/coming-up-latest-read-on-the-feds-favorite-inflation-gauge-11640265116?mod=economic-report4 -https://www.cnbc.com/video/2021/12/22/the-conference-board-survey-shows-inflation-concerns-down-from-13-year-high.html5 -https://www.marketwatch.com/story/new-home-sales-surge-in-november-11640272086?mod=mw_latestnews6 -https://www.marketwatch.com/story/existing-home-sales-rise-for-third-straight-month-in-november-11640185309?mod=bnbh_mwarticle7 -http://www.freddiemac.com/pmms/8 -https://magazine.realtor/daily-news/2021/12/21/rental-rates-for-single-family-homes-triple-from-20209 -https://magazine.realtor/daily-news/2021/12/20/first-timers-reevaluate-devise-plan-to-compete-in-2022

Talking Hedge
Montana's Cannabis Market Overview

Talking Hedge

Play Episode Listen Later Dec 31, 2021 13:58


Montana cannabis businesses are gearing up for the scheduled Jan. 1 launch of the nation's newest adult-use program in a market projected to top $300 million in annual sales by 2025. Existing medical marijuana businesses will get an 18-month head start to sell adult-use cannabis products before new entrants can qualify. On the surface, there's plenty of MMJ businesses: 437 licensed dispensaries, 392 cultivators and 208 processors, according to the state's September market report. The market for cannabis is larger than the consumption of Montana's residents, relying on tourism to make up the difference. Episode 855 The #TalkingHedge looks at MJ Biz Daily's article… https://youtu.be/Ld5QaKmQZGQ --- Support this podcast: https://anchor.fm/talkinghedge/support

Natural Time
Red Self-Existing Dragon

Natural Time

Play Episode Listen Later Dec 31, 2021 31:23


12.30.21 - Day 4/13 of the White Mirror Wavespell - Rhythmic Moon 18 It's Gregorian New Year's season, and you can decide how to integrate the artificial but consensual idea of a year ending and beginning right now. For some of us diehard 13 Moon proponents, it's impossible to forget all the work we've already done introducing the Mayan new year into our synapses long ago late last summer. The Rhythmic Moon we're now in speaks to having hit a rhythm with our Yellow Electric Seed year, starting to see its momentum, cyclical themes and repetitive motions, and it doesn't make any sense that something is stopping and beginning again just as we feel the systemic flow of our Natural Time year arc. However, it's the beginning of a new Gregorian year, and that year will be called Blue Rhythmic Night, the sixth in a wavespell of its own that started 1.1.17. Think of the effervescence of a Gregorian year spent organizing oneself to dream. It could be compelling.  

Ending Human Trafficking Podcast
265: Sustainable Housing, Aftercare, and Existing Resources with AVODAH Collective

Ending Human Trafficking Podcast

Play Episode Listen Later Dec 27, 2021 25:57


Dr. Sandie Morgan is joined by three speakers from the AVODAH Collective, an organization that is partnering with churches to create space for women survivors of sex trafficking, young people, and families to find restoration through trauma-informed aftercare. They all discuss ingredients of the “secret sauce” to sustainable housing and aftercare. Speakers Deb O'Hara-Rusckowski, RN,…

Ending Human Trafficking Podcast
265: Sustainable Housing, Aftercare, and Existing Resources with AVODAH Collective

Ending Human Trafficking Podcast

Play Episode Listen Later Dec 27, 2021 25:57


Dr. Sandie Morgan is joined by three speakers from the AVODAH Collective, an organization that is partnering with churches to create space for women survivors of sex trafficking, young people, and families to find restoration through trauma-informed aftercare. They all discuss ingredients of the “secret sauce” to sustainable housing and aftercare. Speakers Deb O'Hara-Rusckowski, RN,…

Lakeshore Sunday Message Podcast
Existing, Enduring or Enjoying Life (Online Only)

Lakeshore Sunday Message Podcast

Play Episode Listen Later Dec 26, 2021 49:55


REMINDER: Sunday services on December 26 are online only! Watch live on Facebook, YouTube, the Lakeshore app, or at live.lakeshorechurch.org. As another year ends and a new one begins, it's a great time to reevaluate life and see if the life we're living is the life we really want. Too many people simply exist or endure life but fail to realize the key to enjoying life. We'll talk about that as we look at the life-learnings of Israel's third king, Solomon, in the Old Testament book of Song of Solomon. We'll also look at some steps to take to learn how to really start living the way Jesus calls us to in John 10:10. If you need a minor (or major) course correction for your life in the new year, you'll learn how in this series.

Landaas & Company Money Talk Podcast
Money Talk Podcast, Friday Dec. 24, 2021

Landaas & Company Money Talk Podcast

Play Episode Listen Later Dec 24, 2021 21:39


  Landaas & Company newsletter  December edition now available. Advisors on This Week's Show Kyle Tetting Brian Kilb with Max Hoelzl, Joel Dresang, engineered by Jason Scuglik Week in Review (Dec. 20-24, 2021) Significant Economic Indicators & Reports Monday The Conference Board's index of leading economic indicators rose 1.1% in November, advancing from gains of 0.8% in October and 0.3% in September. The business research group said the surge in COVID-19 cases as well as inflation and ongoing supply-chain disruptions pose challenges to continued economic growth. At the same time, the group projected strong annualized increases for gross domestic product, including 6.5% in the fourth quarter and 2.2% in the first quarter of 2022. Tuesday No major announcements Wednesday The U.S. gross domestic product grew at an annual pace of 2.3% in the third quarter of 2021, according to a final estimate by the Bureau of Economic Analysis. The growth rate for the economy was up from 2.1% in the previous estimate. It rose at a 6.7% clip in the second quarter. Consumer spending rose at a higher rate than previously estimated. Measured year to year, the economy grew 4.9% and was 1% above where it left off 2019, just before the pandemic. The Federal Reserve's favorite measure of inflation showed a 4.3% increase since the third quarter of 2020, more than double the Fed's long-range target of 2%. The Conference Board said its consumer confidence index rose in December, suggesting continued economic expansion into 2022. The business research group said attitudes toward current conditions remained strong and the near-term outlook strengthened as concerns about inflation and COVID-19 declined from November's survey. Existing home sales rose 1.9% in November to an annual rate of 6.5 million houses, the National Association of Realtors said. The sales pace picked up for the third month in a row, though it was still 2% lower than the year before. The trade group said anticipation of higher mortgage rates helped drive November sales. Inventory declined 10% from October to 1. 1 million houses for sale, which was 13% lower than the year before. The median sales price of $353,900 was up 14% from November 2020, marking the 117th consecutive year-to-year increase. Thursday The four-week moving average for initial unemployment claims rose for the first time in 11 weeks but remained near the lowest level in 52 years. Data from the Labor Department showed the moving average at 206,250 new applications, 44% below the long-term average and down from a record 5.3 million in April 2020. In all, 2.1 million Americans were claiming jobless benefits in the latest week, down 13% from the week before and down from 21 million the year before. By far the biggest driver of the U.S. economy, consumer spending rose 0.6% in November, outpacing a 0.4% gain in personal income. The Bureau of Economic Analysis reported that personal consumption reached 11% above its pre-pandemic peak. The Fed's favorite inflation gauge showed a 5.7% increase from November 2020 – the highest rate since 1982. Excluding volatile prices for fuel and food, the core index increased to 4.7%, the highest since 1989. The Commerce Department said the annual pace of new home sales rose 12.4% in November, though it still was down 14% from the year before. The volatile indicator was about where it was before the pandemic and on par with sales in mid-2007, before the Great Recession. The supply of new houses on the market remained around six months' worth. The median price rose 19% from the year before to $416,900. Only 10% of the new houses sold were completely built, vs. 14% in November 2020. The Commerce Department said orders for durable goods rose 2.5% in November, the sixth increase in seven months. The indicator for manufacturing demand surpassed the pre-pandemic level by 16%. Commercial aircraft and automotive led the increase,

Bob Sirott
Associated Bank Market Outlook: 12/22/21

Bob Sirott

Play Episode Listen Later Dec 22, 2021


On December 22nd, 2021, Steve Grzanich shares today’s potential market drivers Final third quarter GDP growth Existing home sales for November Consumer confidence numbers Quarterly earnings from CarMax

Short Term Rental Secrets Podcast
Ep 81 - What It Really Takes to Build And Scale A Business with Hostaway's Marcus Rader

Short Term Rental Secrets Podcast

Play Episode Listen Later Dec 20, 2021 50:50


GUEST'S BIO Marcus Rader has been in tech startups since 2006. Six years ago, he saw an opportunity to get involved in an industry he is passionate about - vacation rentals. Existing solutions in this space were built by real estate and travel professionals, rather than technology professionals. In co-founding Hostaway, the all-in-one vacation rental management software, Marcus' team had an immediate competitive advantage. He also dedicated himself to learning about the vacation rental ecosystem and creating a network of valuable relationships in the industry. Today, Marcus is the CEO of Hostaway which is the fastest-growing solution on the market. They are the preferred partners of big OTAs including Airbnb, Booking.com, and VRBO, and have the largest marketplace in the sector with more than 100 integrated software partners. HIGHLIGHTS OF THE EPISODE 03:46 Marcus Rader's introduction and background 06:50 What made Marcus co-founded Hostaway 09:12 Global megatrends 11:20 Marcus talks about putting himself in the shoes of Airbnb hosts to experience property management 14:13 What sets Hostaway apart from other PMS 16:32 Why your PMS support is important 18:59 E shares his experience with his previous PMS that made his listings went down 21:43 Key things that Hostaway focused on their system 25:15 Hostaway's focus area for 2022 27:43 What Marcus and his customer success team did with their customers when the pandemic first hit 30:33 How the STR industry in the US recovered from the pandemic 34:22 Marcus talks about where the STR industry is going 36:55 Multiples in property management companies 38:34 Reasons why people would not invest in companies 41:03 Why growth matters to SaaS 42:07 AirDNA's US forecast for 2022 43:23 Acknowledgments to Marcus 44:07 Where can people connect with Marcus and find out more about Hostaway 44:44 What is Marcus's #1 secret to success with STR NOTABLE QUOTES "Speed kills." - Mike Sjogren "There's a great value in combining smaller things to make them into something bigger." - Emanuele Pani "As you grow your business, you're going to notice that whatever worked yesterday does not work anymore." - Marcus Rader "Every business is built on people." - Marcus Rader CONNECT WITH THE GUEST Marcus Rader: Linkedin Hostaway CONNECT WITH THE HOSTS Michael Sjogren: Short Term Rental Secrets Facebook Group | Clubhouse | Instagram | Youtube | Facebook Page | Linkedin https://linktr.ee/the_airbnbguy Emanuele Pani: Clubhouse | Instagram | Facebook | Linkedin FREE MASTERCLASS TRAINING - https://www.strsecrets.com/masterclass

Critical Care Global Grand Rounds
Ramesh Venkataraman: "Renal Replacement Therapy for AKI"

Critical Care Global Grand Rounds

Play Episode Listen Later Dec 19, 2021 34:08


Acute Kidney Injury (AKI) affects nearly 40% of intensive care unit (ICU) patients and carries significant morbidity and mortality. Once AKI is established, renal replacement therapy (RRT) is the mainstay of supportive care. The best time to initiate RRT is still unclear. Although several studies have evaluated early vs. late RRT in AKI, there is no clear consensus on how “early” or “late” should be defined. Existing evidence does not support the initiation of RRT based on any particular stage of AKI. Risk-benefit of RRT along with the host's ability to tolerate homeostatic derangements should be taken into account prior to initiating RRT. Continuous RRT (CRRT) has not been shown to be superior to intermittent hemodialysis (IHD). A CRRT dose of at least 20ml/kg/hour or an IHD dose of Kt/V 1.2 thrice a week seems to be adequate for patients with AKI in the ICU. Improvement of urine output and trend in azotemia can serve as a guide in weaning and termination of RRT. Diuretics have not been shown to decrease the need or frequency of RRT.  

The Simply Smart Business Show
Day 18: On not just existing

The Simply Smart Business Show

Play Episode Listen Later Dec 18, 2021 6:47


In this episode of the Simply Smart Business Show, I talk about not just existing. Tune in! If you'd like help to grow and scale your online business in 2022, these are my latest offers: https://gwent.co/GemmaOffers

The Dream Job System Podcast
How To Maintain Existing Relationships (The Easy Way) | Ep #164

The Dream Job System Podcast

Play Episode Listen Later Dec 17, 2021 7:41


Austin shares an easy way that you can maintain your existing networking relationships!Time Stamped Show Notes:[0:25] - Networking can be a struggle[1:06] - Your network is bigger than you think[1:56] - Rekindling past relationships[4:29] - Be intentionalHave questions about how to improve your networking? Text them to Austin at (201) 479-9511.Share Your Feedback:Want a free resume or LinkedIn profile review from Austin? Leave us a rating or review on iTunes to automatically be entered to win. We choose winners every week, click here to learn how to leave a review and enter to win.What should Austin talk about next? Ask a question or share your thoughts at CultivatedCulture.com/FeedbackConnect With Austin:Cultivated CultureLinkedInInstagramTry Austin's free Resume Builder, free Resume Scanner, and free Mailscoop email finder tool

Ohio Ministry Network
Synergy 2021 - Utilizing Existing Resources And Partnering With Others To Engage Your Community

Ohio Ministry Network

Play Episode Listen Later Dec 15, 2021 57:35


Over the years, Pastor Rex has tapped into existing resources and partnered with Revive Ohio enabling their church to witness a large group of their community make decisions for Christ. In this session, he will share resources and experiences to help churches reach their communities for Jesus!   Rex King Lead Pastor, New Beginnings AG

The Dentist Money™ Show | Financial Planning & Wealth Management
Title: #314: How to Optimize Your Existing PPO Contracts

The Dentist Money™ Show | Financial Planning & Wealth Management

Play Episode Listen Later Dec 15, 2021 33:35


You know PPO insurance helps generate practice revenue, but to increase profits you need to learn how to get more out of your current PPO reimbursements. On this episode of the Dentist Money™ Show, Ryan welcomes Vivek Kinra, founder of PPO Profits. Vivek illustrates why insurance payments can get so complex and reveals ways to actually optimize existing contracts to give fees a boost.

Paul's Security Weekly TV
Why Hospitals Face Unique Security Challenges - Mike Murray - BSW #243

Paul's Security Weekly TV

Play Episode Listen Later Dec 14, 2021 32:18


-More than 25% of US hospitals have suffered at least one ransomware attack in the last two years. -Clearly, hospital IT teams, for the first time, the power to see and stop ransomware and other cyberattacks across a hospital's sprawling and fragmented ecosystem of office IT, clinical technologies, and electronic health systems. -Existing security solutions are only capable of detecting cyberthreats on office worker devices, which leaves two-thirds of a hospital's IT environment invisible and undefended.   Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw243

Charlottesville Community Engagement
December 14, 2021: UVA announces three sites for affordable housing projects; Rivanna Conservation Alliance issues latest water quality report

Charlottesville Community Engagement

Play Episode Listen Later Dec 14, 2021 18:57


Welcome to the antepenultimate Tuesday of 2021, also doing business as the 348th day of the year. This is the 294th installment of Charlottesville Community Engagement. There are many more to come in the future due to the certainty that where will be items to write about far into the future. I’m your host, Sean Tubbs.Charlottesville Community Engagement needs fuel in the form of new subscriptions, paid or unpaid. Sign up today to keep this going! On today’s show:The Regional Transit Partnership ponders a potential future as a regional transit authorityThe University of Virginia picks two sites in Albemarle and one site in Charlottesville on which to build affordable housing The Rivanna Conservation Alliance publishes its 2021 water quality reportRegional broadband expansion projects nets $79M in state fundingIn today’s first Patreon-fueled shout-out:Winter is here, and now is the time to think about keeping your family warm through the cold Virginia months. Make sure you are getting the most out of your home with help from your local energy nonprofit, LEAP. LEAP wants you and yours to keep comfortable all year round, and offers FREE home weatherization to income- and age-qualifying residents. If you’re age 60 or older, or have an annual household income of less than $74,950, you may qualify for a free energy assessment and home energy improvements such as insulation and air sealing. Sign up today to lower your energy bills, increase comfort, and reduce energy waste at home!UVA Housing initiativeThe University of Virginia has announced three sites upon which it will work with a developer to build affordable housing units, two of which are in Albemarle County. They are:The low-density Piedmont housing site on Fontaine AvenueThe corner of Wertland and 10th StreetProperties at the North Fork Research Park President Jim Ryan made the announcement this morning in a written statement.“Economic growth over many decades has had a profound effect on housing in the Charlottesville-Albemarle community, and we are committed to working with community partners to create more housing intended for local workforce and community members who have been priced out of the local housing market,” Ryan said. “We believe these sites may be suitable for affordable housing, to potentially include mixed-use development.”J.J. Wagner, UVA’s executive vice president and chief operating officer, said these sites were selected in part because they were not in any other strategic plan. There’s a website where people can submit feedback. (website) According to a press release on UVA Today, Piedmont would likely be completely redeveloped except for an existing structure. The Piedmont property is on the north side of Fontaine Avenue and is within Albemarle County. UVA owns this site outright. The University of Virginia Foundation purchased 1010 Wertland Street from developer Keith Woodard in February 2017 for $4 million, which was well over the $1.85 million assessment for that year.  That 0.4 acre property is currently occupied by an apartment complex.  The foundation also owns two other properties at this corner, one of which is currently vacant. The North Fork Research Park currently does not have any residential units. This past March, the foundation issued a request for proposals for a firm to help rezone portions of the property to Neighborhood Model District zoning. “Coordination with the UVA Affordable Housing Task Force will be required,” reads the RFP. Existing leases at both Piedmont and 1010 Wertland Street will be honored for their duration. UVA or its foundation will donate the land though a ground lease and will not contribute any funding to the projects. The next step is for the UVA Foundation to issue a request for qualifications for potential builders. Initial work for the project was conducted by the firm Northern Urban Real Estate Ventures. That company is now working with the Charlottesville Redevelopment and Housing Authority on a master plan for sustainability. These three sites are the only ones under consideration at this time. UVA spokesman Brian Coy said they will work with the selected firm to meet the goal of building between 1,000 and 1,500 units. Broadband expansion The Thomas Jefferson Planning District has been awarded a $79 million grant from the Virginia Telecommunications Initiative for a project to expand broadband to nearly every home across a 13-county area. Governor Ralph Northam made that announcement yesterday as part of a $722 million funding package for similar Internet expansion meetings across the Commonwealth. The TJPDC was the lead applicant for the RISE project, which stands for Regional Internet Service Expansion. Several localities including Albemarle are contributing a total of $33.5 million as a match for the public-private partnership involving Firefly Fiber Broadband, the Rappahannock Electric Cooperative, and Dominion Energy. Over the next three years, more than 5,000 miles of fiber will be installed across an area that spans from portions of Campbell County to the south to Goochland County to the east to Greene County to the north. In all, an additional 36,283 homes will be connected. They will then ne able then purchase Internet from Firefly Fiber. TJPDC’s award is the third largest in the state. (read the grant application) (Governor’s press release) Avon Street DevelopmentTonight, the Albemarle Planning Commission will hold a public hearing on a rezoning for a planned residential district in the 1800 block of Avon Street Extended. Andy Reitelbach is a senior planner with the county.“It involves a request to rezone two parcels of land on Avon Street right south of Avinity,” Reitelbach said. “The two parcels together total about 3.6 acres and the applicant is requesting a maximum of 85 two-family and multifamily resident units.” Reitelbach made his comments at the 5th and Avon Community Advisory Committee from November 18. So did Kelsey Schlein with Shimp Engineering, the firm taking the project through the review process. “It’s designated urban density residential in the Comprehensive Plan so at 24 dwelling unit per acre with a maximum density on the property, we’re within the recommended density range for urban density residential,” Schlein said. Schlein said there will be a mix of housing types with triplexes, quadplexes, townhomes, and multifamily units. None of the buildings will exceed three stories. She noted that the county has adopted a corridor study to make the area more hospitable to people on bikes or on foot. (read the study)“Since there is an existing sidewalk in front of Avinity that kind of extends in front of the elementary school, we’re proposing to continue that network,” Schlein said. “However, we’ve provided enough right of way for a multi use path improvement so if there’s ever a comprehensive reimagining of the pedestrian network on the [east] side of Avon Street, this application will have provided the right of way for that.” Some members of the 5th and Avon CAC expressed concerns about traffic, the lack of a playground, and the possibility the application did not include open space. The Planning Commission meets virtually at 6 p.m. tonight. (meeting info)New look for tourism websiteThe quasi-government entity charged with marketing the region to tourists has updated their website. The Charlottesville Albemarle Convention and Visitors Bureau launched an refreshed version last week of visitcharlottesville.org. The designer is a firm called Tempest as we learn in a press release.“In addition to better serving visitors and industry partners, the new website will also reduce costs for the CACVB, in anticipation of a significant budget decrease projected for Fiscal Year 2023,” reads the release. “The reduction in budget for the upcoming fiscal year is a direct result of decreased transient occupancy tax collection from local lodging properties, due to the impacts of COVID-19.” The Bureau is governed by a Board of Directors that currently includes two members of the Albemarle Board of Supervisors and two City Councilors. In October, the CACVB Board discussed reducing that to one elected official from each locality in favor of more representatives from the hospitality industry. For more, read Allison Wrabel’s October 25 story in the Daily Progress. For more on the hospitality industry, read a story from me from October 30 on the archive site Information Charlottesville.  The CACVB Board next meets on December 20. *General Assembly 2022With Republicans in control of the House of Delegates next year, that means Delegate Rob Bell (R-Albemarle) will chair a major committee. Yesterday, incoming House Speaker Todd Gilbert (R-Woodstock) assigned Bell to chair the Courts of Justice Committee and made five other appointments. (release)Delegate Lee Ware (R-Powhatan) will chair Agriculture, Chesapeake, and Natural ResourcesDelegate Jay Leftwich (R-Chesapeake) will head General LawsDelegate Bobby Orrock (R-Caroline) will chair Health, Welfare, and InstitutionsDelegate Kathy Byron (R-Bedford) will head Labor and CommerceDelegate Terry Austin (R-Botetourt) will chair Transportation. RCA reportThe Rivanna Conservation Alliance has issued its annual stream health report based on water quality monitoring from 2018 through 2021. Based on their data, the number of impaired streams increased. (read the report)“The percentage of our sampled streams that failed to meet water quality standards for aquatic life grew from 68 percent in last year’s report to 82 percent in this one,” reads the report. However, the document acknowledges difficulty in collecting data in 2018 and 2019 due to heavy rain events that scoured stream beds and banks, as well as difficulty collecting data during the pandemic. “Most notably, seven of the nine sites that moved from an assessment of very good or good down to fair were affected by unusually large hatches of black fly larvae that reduced biodiversity in our samples,” the report continues. Another item of note in 2020 is the completion of a 15-year study on the long-term effects of large-scale water quality improvements such as stream restoration, planting of buffers along streams, or upgrades to wastewater treatments plants. That’s based on looking at all 50 monitoring sites and finding that those that improved were close to some form of improvement. More shout-outsYou’re listening to Charlottesville. Community Engagement. Let’s continue today with two more Patreon-fueled shout-outs. The first comes a long-time supporter who wants you to know:"Today is a great day to spread good cheer: reach out to an old friend, compliment a stranger, or pause for a moment of gratitude to savor a delight."The second comes from a more recent supporter who wants you to go out and read a local news story written by a local journalist. Whether it be the Daily Progress, Charlottesville Tomorrow, C-Ville Weekly, NBC29, CBS19, WINA, or some other place I’ve not mentioned - the community depends on a network of people writing about the community. Go learn about this place today!Regional transit authority?It has been some time since I’ve had an update on transit issues and now is the time to do so. Earlier this month, the members of the Regional Transit Partnership got an informal recommendation from a consultant that it may be time to move from an advisory body into a decision-making body that can raise its own funds. Before we get into all of that, though, there is still time to take two surveys to get your input on the Regional Transit Vision for the Charlottesville Area. That’s a project being led by the Thomas Jefferson Planning District to “evaluate transit service” in the region in order to “establish a clear long-term vision for efficient, equitable, and effective transit service.” One survey is on transition visioning and the other is an interactive map that asks the question: “What are the long-term transit needs for the Charlottesville region?” “You’re able to kind of sort of pinpoint on a map some issues or wants or desires regarding transit,” said Tim Brulle, a project manager for the vision who works for the firm AECOM. “We are using the public survey as part of our main avenue for that public feedback right now.” The project is being funded by the Virginia Department of Rail and Public Transportation with additional funds from the city of Charlottesville and Albemarle County. Albemarle County is conducting its own separate study, and Charlottesville Area Transit has pending route changes that have not yet been implemented. On December 2, 2021, the Jefferson Area Regional Transit Partnership got a status update on the studies, beginning with the Regional Transit Vision. As of that date, only about a hundred and thirty people had responded. (watch this meeting)Also as part of the meeting, Scudder Wagg of the firm JWA briefed the partnership members on the fact that many other transit systems in Virginia are regional. In this community, there are three major transit systems in Jaunt, Charlottesville Area Transit and the University Transit Service. Wagg suggested a reorganization across multiple communities that could yield more funding for expansion. “If you are to think about a regional funding source and a regional funding agency, then you would start to need to think about this on more of a regional scale,” Wagg said. “That’s where we want to help you consider how you might address that.”Wagg said the combined operating budgets of CAT and Jaunt are around $16 million, with about half of that funding coming from local sources. He suggested the total amount could increase if the community took steps to create an authority which can issue bonds. Wagg said three other regions in Virginia have managed to create authorities to expand transit and fund other transportation improvements. “Northern Virginia is using a combination of a sales tax, a grantor’s tax, and bond proceeds,” Wagg said. Legislation passed the General Assembly in 2009 to allow creation of a Regional Transit Authority, but a bill to allow a local referendum on a one-cent tax increase did not pass that year. According to the legislation, the authority could expand to include Fluvanna, Greene, Louisa and Nelson counties. (take a look)In the next General Assembly, Charlottesville is seeking a referendum for a one-cent sales tax for the purposes of funding the reconfiguration of the city’s schools. The director of Charlottesville Area Transit would encourage elected officials to pursue additional sources for funding through an authority. “This is an avenue we do need to explore and consider seriously to make sure that this  happens  eventually in the next three to five years,” Williams said. Albemarle Supervisor Diantha McKeel said the point of the Regional Transit Partnership was to prepare for an eventual next step.“When this Regional Transit Partnership, the intent was for it to be the first step in working towards an authority,” McKeel said.Becca White, director of Parking and Transportation at UVA, said the University Transit Service serves a very small footprint as a “last mile” service to relieve congestion and to shuttle people from parking lots. However, she said there are some portions of the city covered, including Fontaine Avenue and Ivy Road. The members of the Partnership informally directed Wagg to base the next set of potential scenarios for expanded service based on a theoretical $30 million budget.“We’ll have two scenarios,” Wagg said. “We’ll have maps showing where would routes go, how frequently, all of that sort of stuff. And then what would the outcomes of some of those things be in terms of how many more jobs could people in Greene County reach in an hour by transit or how many more people would have access to different kinds of transit services in different places?”A second round of public engagement for the Regional Transit Vision will begin early next year and the study is to be completed by the summer of 2022. Want to help influence it? Fill out those surveys! Resources for Regional Transit Vision Plan: A stakeholder meeting was held on October 7 and around 30 people attended (watch the video)A public meeting was held on November 18 and 20 members of the public participated (watch the video) (view the presentation)A land use assessment was produced by the consultantsA transit propensity technical memo was also produced by the consultantsSpecial thanks to Jenn Finazzo for recording some of the voice work today. Very much appreciated! This is a public episode. Get access to private episodes at communityengagement.substack.com/subscribe

Distilling Venture Capital
Episode 022 - James Bianco, President & Founder; Bianco Research, Chicago; DeFi – Decentralized Finance

Distilling Venture Capital

Play Episode Listen Later Dec 14, 2021 53:33


Episode Introduction: Welcome back everyone.  I am really excited about today´s program because we are going to do a deep-dive and explore DeFi – Decentralized Finance, a topic you hear much about but may have little insights into what this frontier technology is all about and what its true impact will be on the future of global finance. To help me do this I have the pleasure of welcoming to the show Jim Bianco who is the President and Founder of Bianco Research, LLC in Chicago.  Jim is someone I consider a visionary thought leader on the DeFi sector.   Jim, thank you so much for making the time to be on the podcast today… So, before we dig into the meat of what DeFi is really all about, I thought it would be useful if you could tell us a bit about your background and about your journey, more broadly, that ultimately led to take a bullish stance toward DeFi.  Mainly because you have this traditional Wall Street, I-bank research background.  Tell us how the long-time, traditional finance guy goes actively pro-DeFi… Topic Areas to be covered After introduction and you provide your background, I´d like to get into the following… In prior commentary, you stated you came to the realization that DeFi is a `brand new financial system.´  Expand on this revelation and what drew you to this conclusion. You have previously stated, Existing financial system is slow, cumbersome, has way too many permissions required,  ´I basically have to beg my broker to do stuff´, it´s a series of toll booths´ ´Current system is in trouble.  Many in financial world don´t get it and they don´t want to get it.´ ´You are going to look like a bunch of taxi drivers in a ride-sharing world.´ I tell people about DeFi;  ´It will come here and completely flatten you.´         Jim:  DeFi is also about fairness…You and I don´t get the Warren Buffet deals.  With DeFi we get exactly the same deal Jim discusses ´qualified investors´ if you have over $1M net worth, `what an insult´ You´ve previously segmented your clientele in two broad categories, ´Young and Old´ discuss what you mean by this with respect to understanding the impact of DeFi. Why does Warrant Buffet call crypto rat poison squared? Regulatory issues:  Impact of central bank´s own digital currencies…expand on what you see going on here and why it´s not really DeFi… Jim:  ´A CBDC, if done correctly, presents a financial threat to the existing financial system´…and in the end, they won´t do that b/c it bypasses the current banking system all together Jim:  ´It´s not about technology or whether we have the design right – it´s about policy – how much do we want to disrupt the current banking system?´ Regulation:  Problems regulators have, they don´t understand what´s going on in the DeFi industry…´It´s a Cambrian explosion of ideas End of the day, I don´t know what regulators can do except regulate the ´On-and-Off Ramps´ (Uniswap, Kracken, etc.)  i.e. – how do I get dollars to crypto and crypto back to dollars To the Regulators, ´what are you trying to do?´   I see where we are going and it´s exciting and an explosion of ideas… Closing Remarks James, what is a good way for those seeking additional information about Bianco Research to get in touch?  Website – www.biancoresearch.com Thank you for joining me for this edition of DVC.  I hope you found our discussion today with Jim Bianco interesting and it gave you better insights into what DeFi is really all about and what it means for the future of finance globally.  I look forward to joining you on my next edition of DVC.  Thank You…

Fresh Breath for Yoga Teachers
138: Tips to Avoid Exacerbating Existing Injuries in Yoga (Eric Finger of Move Empower - Part #3)

Fresh Breath for Yoga Teachers

Play Episode Listen Later Dec 14, 2021 18:03


Especially with the increase in students being referred to yoga practice, more often we see students with pre-existing injuries and problem areas in the body. Eric Finger (Austin- based physical therapist and yoga practitioner) discusses concepts such as regional interdependence, the path of least resistance and more. These topics help us to avoid exacerbating already-existing injuries in our yoga students.For show notes and contact information visit www.theElegantOutlaw.com

The Midnight Boys Present: A Free Podcast
The Rundown - Wrestling with Hollywood - "Enjoys existing properties"

The Midnight Boys Present: A Free Podcast

Play Episode Listen Later Dec 14, 2021 53:46


Join us as we run through the jungle with 2003's The Rundown. We trace The Rock's journey from WWE superstar to the biggest movie star on earth, investigate dick fish, and talk about what type of restaurant we'd run. If you'd like to support our nonsense, join our Patreon at https://patreon.com/themidnightboys

Change Work Life
How you can make your appraisal more effective - with Lucinda Carney of Actus

Change Work Life

Play Episode Listen Later Dec 14, 2021 37:14


#118 - Chartered psychologist Lucinda Carney explains how workplace appraisals can be improved and what you can do to make that happen.What you'll learn[1:50] What Actus is, who they help and how they encourage people to have regular conversations.[4:22] The challenges involved with developing a software product and starting a business.[8:17] What the purpose of the appraisal process is.[10:24] The importance of having clear objectives and regular one-to-one feedback.[11:42] Existing problems with the appraisals process and the importance of people management.[14:29] How an organisation's culture affects its people management.[17:06] How we can make the appraisal process better and more effective.[22:26] What the purpose of the line manager is and how having regular meetings helps them achieve this.[24:13] 360-degree feedback and the drawbacks of using it for performance ratings.[29:57] How the objective-setting process can be managed to make it effective and helpful.[32:01] How employees can influence changes in their workplaces appraisals.Resources mentioned in this episode (some of these are affiliate links and we may get a commission in the event that you make a purchase - this helps us to cover our expenses and is at no additional cost to you):How to be a Change Superhero, Lucinda CarneyHR Uprising Podcast Episode 134: How To Manage a 360 Feedback ProgrammeChartered Institute of Personal Development (CIPD)Squiggly Careers podcast and bookThe Leadership Pipeline, Ram Charan, Stephen Drotter and Jim NoelEpisode 111: How organisations and leaders can get the most out of their employees (and what you can do to help them) - with Jack Broadley of Pelorus ConsultingEpisode 116: Help, I've just been promoted - what do I do now? - with Ken ColemanFor the show notes for this episode, including a full transcript and links to all the resources mentioned, visit:https://changeworklife.com/how-you-can-make-your-appraisal-more-effective/Re-assessing your career?  Know you need a change but don't really know where to start?  Check out these two exercises to start the journey of working out what career is right for you!Take me to the exercises!Also, make sure to join the Change Work Life Facebook group and check out the ways you can support the podcast on the Change Work Life Support page.Follow us on Facebook, Instagram, and Twitter.

Marketplace with Kai Ryssdal
How the Kentucky tornadoes are compounding an existing housing crisis

Marketplace with Kai Ryssdal

Play Episode Listen Later Dec 14, 2021 26:38


After devastating tornadoes swept through Kentucky last week, killing dozens and destroying thousands of homes, displaced residents are left wondering where to go. Kentucky already had a shortage of affordable housing, with 30% of the state’s renters at or below the poverty line. On today’s show, we hear from Adrienne Bush, executive director of the Homeless & Housing Coalition of Kentucky, about the need for investment and policy changes to ensure short- and long-term recoveries. We’ll also hear how American consumer demand is adding to supply chain disruptions, why holiday shipping is on a smoother track than last year and what a mistletoe auction in small-town Britain tells us about the U.K.’s economic recovery.

Marketplace All-in-One
How the Kentucky tornadoes are compounding an existing housing crisis

Marketplace All-in-One

Play Episode Listen Later Dec 14, 2021 26:38


After devastating tornadoes swept through Kentucky last week, killing dozens and destroying thousands of homes, displaced residents are left wondering where to go. Kentucky already had a shortage of affordable housing, with 30% of the state’s renters at or below the poverty line. On today’s show, we hear from Adrienne Bush, executive director of the Homeless & Housing Coalition of Kentucky, about the need for investment and policy changes to ensure short- and long-term recoveries. We’ll also hear how American consumer demand is adding to supply chain disruptions, why holiday shipping is on a smoother track than last year and what a mistletoe auction in small-town Britain tells us about the U.K.’s economic recovery.

Business Security Weekly (Video)
Why Hospitals Face Unique Security Challenges - Mike Murray - BSW #243

Business Security Weekly (Video)

Play Episode Listen Later Dec 13, 2021 32:18


-More than 25% of US hospitals have suffered at least one ransomware attack in the last two years. -Clearly, hospital IT teams, for the first time, the power to see and stop ransomware and other cyberattacks across a hospital's sprawling and fragmented ecosystem of office IT, clinical technologies, and electronic health systems. -Existing security solutions are only capable of detecting cyberthreats on office worker devices, which leaves two-thirds of a hospital's IT environment invisible and undefended.    Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw243

Off-Grid Essential Podcast
Do You Need a Four-Season Camper or RV? Tips to Level Up Your Existing Campers Insulation This Winter

Off-Grid Essential Podcast

Play Episode Listen Later Dec 13, 2021 16:19


Here we discuss whether or not you actually NEED a true 4-season camper.  Salesmen and Manufacturers will say you do, and in reality, who governs what a true 4-season RV actually is? We cover that all in today's episode!Support the show (https://www.buymeacoffee.com/OffGridPod)

Public Safety Innovators
The Advantages of Buying Into an Existing Business

Public Safety Innovators

Play Episode Listen Later Dec 13, 2021 32:31


If you're thinking about becoming a COPreneur you don't always have to start a business from scratch. Today I'm chatting with Chad M. Bruckner, a fellow COPreneur who was able to fast-forward his journey from cop to business owner by purchasing an existing business. This can have many advantages, including having processes already in place and revenue flow, making it easier to work on your business and not in your business. Chad shares his story from a military career, to law enforcement, and now to owning Intercounty Investigations & Solutions, a private investigations company that specializes in pre-employment screenings and investigations. He explains how the opportunity to purchase the business came to be, and how he wrestled with his final decision to leave law enforcement for the private sector. Chad also has a deep passion to help those who struggle with mental health and works diligently to break the stigma surrounding it. Get all the links, resources and show notes at https://leo2ceo.com/copreneur-path/064

Splash Damage
Episode 60: IGN Says PlayStation Pedophile Isn't News, But Conservative Game Developers Existing Is?

Splash Damage

Play Episode Listen Later Dec 11, 2021


An IGN editor last week tried to justify why the games media had not covered a PlayStation executive being caught soliciting sex from a minor. Meanwhile, games sites are quick to jump on “news” about conservative game developers simply existing. We discuss this lack of journalistic integrity along with Kotaku calling gamers “toxic a-holes,” highlights from The Game Awards, the mainstream media falsely associating video games with a Michigan school shooting, Kotaku being upset that a right-wing group agrees Activision Blizzard CEO Bobby Kotick should resign, Nintendo trying to hire more women for no reason, gamers' hate for Ubisoft's NFT announcement, PlayStation Spartacus, and much more!

The Inventive Journey
"How To Get Referrals" The Inventive Journey Podcast For Entrepreneurs w/ Caleb Roche

The Inventive Journey

Play Episode Listen Later Dec 9, 2021 36:48


If you can get a CRM and set that up and then use that to build out send email marketing. That gets further down the road. Start to collect data on each person you are working with. Use that to further conversations and start to realize how you can plant those seeds. Whether they enjoy a local coffee shop or they are a huge foodie. They love an NFL team. Find things that they enjoy and use that data to plant those seeds. So I think, get a CRM. Start adding people in there. Existing connections, people that are new. Then start to build out your CRM. Start to learn how to use that better. Then effectively within the next year, you should be able to have this referral engine that you can start working with. --- Send in a voice message: https://anchor.fm/the-inventive-journey/message

Real Personal Finance
129 - Should I Cancel My Existing Whole Life Policy And Buy Term Insurance?

Real Personal Finance

Play Episode Listen Later Dec 8, 2021 17:41


Scott and James discuss if you should cancel your existing whole life policy and buy term life insurance. Listener Question I have listened to your episodes about life insurance and whether or not it's advisable to purchase a whole life policy. However, I'd be curious to hear what you think about a whole life policy that I bought about 5 years ago. It costs me a fixed $100/ month for a $100,000 policy. I am 36 years old, single and have no children. I would like to have a family one day, but I'm not sure it makes sense to continue with a whole life policy at this time. Would it make more sense for me to continue with this policy given that it is not hurting my financially, or would it be better to collect the cash value ($6,500) to contribute it to the small amount of remaining debt that I have and get a term life policy that will likely be much less expensive? If I do get a term life policy, how much would you recommend that I purchase? Planning Points Discussed Retirement Planning Utilizing Time Efficiently Capital Appreciation Purchasing Power Other issues (IRAs, Inflation, Financial Goals, etc.) Timestamps: 3:57 - What is Whole Life Insurance? 5:28 - When Do You Need Life Insurance? 9:30 - Term Life Insurance Benefits 11:32 - Growth Rates 13:47 - Why We Own Insurance 15:29 - Tax Planning 16:43 - Aligning Your Financial Goals   LET'S CONNECT! James Facebook LinkedIn Website Scott Facebook Twitter Website ENJOY THE SHOW? Don't miss an episode, subscribe via iTunes, Stitcher, Spotify, or Google Play. Leave us a review on iTunes. Have a money question you want us to answer? Submit one here

Bee Side Chronicles
Are you living or existing?

Bee Side Chronicles

Play Episode Listen Later Dec 8, 2021 12:19


Join Bee in this episode where she expresses her answer on a question that was asked and how she felt and what truly impacted the change on her life!

The Design Business Show
The Design Business Show 166: Create Business Assets Using Your Existing Services with Amisha Shrimanker

The Design Business Show

Play Episode Listen Later Dec 6, 2021 34:23


Amisha Shrimanker is a conversion copywriter and founder of The Copy Crew - a boutique copywriting agency. She specializes in writing launch copy for digital course creators, coaches, experts, and membership site launchers. Amisha is also known as the person who *gives a damn* about her clients' digital launches. Sometimes even more than they do. She's the creator of The ROI Sales Page, The CEO Essential Email Scripts and soon to be launched The Audit Superstar. Here's what we covered on the episode: The Start to Amisha's Copywriting Career    How Amisha was introduced to my work at The Copywriter Underground where I did a guest training on design and how we met again at group coaching program and how we've been able to stay connected through the online space  Amisha shares that she was copywriting well before she ever called herself a copywriter and in 2018 decided to start her copywriting business which has been full of many experiences over the last 3 years   Through a Facebook group, Amisha was able to get her first client who needed a lead generation funnel - Amisha shares that it was a 5k project Before starting her copywriting business, Amisha was working on building passive income through digital products and shares that it was not going well  Amisha heard a business coach say, the best way to make money if you want to get started in the online space is to offer a service because once you get really good at offering that service it's easier to transition into coaching  After hearing that great piece of advice, Amisha decided to start offering copywriting as a service and would then think about coaching/mentoring as a next step in her career     Offers in Amisha's Business + Her Business Pivot How Amisha took time to think about what else she could do to create assets in her business and says she launched her digital shop this year  Amisha released The CEO Essential Email Scripts, which are 50 email scripts that help service providers frame their ask and help them with communication in different scenarios Another offer Amisha has in business is her sales page copywriting mini course called, The ROI Sales Page, which is her take on how to write sales copy Amisha is excited to share that she launched a group coaching offer, a 4-week bootcamp called, The Audit Superstar that teaches copywriters and digital marketers how to perform sales page audits  Amisha explains how taxing launches can be and says she realized the need for a better work-life balance so she looked at her services and thought about what she could teach to her clients that she was currently offering as a service - the first thing she thought of was teaching other copywriters how to perform sales page audits Amisha's take on VIP days and how audits are different   The pivot in Amisha's business wasn't really a big one she explains, it was more about thinking through what she had already been doing as a service provider and how she could teach that to other people and create other assets out of existing services  When most people hear about copywriters they think that they get paid to write and Amisha's bold take on it is that she gets paid to think first, then she gets paid to write Adding Personality in Your Writing + Amisha's Team Amisha explains that your professional emails don't need to be boring and dry - you should be adding your values and personality because that's what will make you memorable, she gives us an example of this by reading the first 3 sentences of one of her emails With the power of technology and social media, your customers will look you up and they want to see that you carry the same personality across each platform, whether that's on Instagram or through your emails  Amisha's favorite emails to write are to her email list - she has 2 types of emails that go out to them, of course the normal tips + case studies and then she also has a series called, My Copy Couch, which goes out 1-2 times a month and is a behind the scenes look at her business  A look into Amisha's boutique agency and her team which includes, Amisha as the chief strategist and writer, another copywriter who conducts all the market research, a professional copy editor and a tech VA who helps with funnel design and the tech setup How Amisha isn't ready to hire a junior copywriter yet because she's not ready to give up that role in her business but has started identifying the parts of copy she might want to outsource when she's ready  Amisha shares that she wants to explore the coaching side of the business more  Check out Amisha's website to learn more about her and her business      Links mentioned: The Copy Crew Website The ROI Sales Page The CEO Essential Email Scripts The Audit Superstar    Like what you heard?  Click here to subscribe + leave a review on iTunes. Click here to download my Sales Page Trello Board Let's connect on Instagram!

World Oil Deep Dive
Maximizing recovery: Leveraging Artificial Lift to recover more production from existing wells

World Oil Deep Dive

Play Episode Listen Later Dec 2, 2021 15:11


A discussion with Phil Chuck, Artificial Lift Product Engineer, from SPM Oil & Gas

100% BS with Bella Solanot
#33 - Alec Zeck: You Are Free By Virtue of Existing

100% BS with Bella Solanot

Play Episode Listen Later Nov 29, 2021 106:46


100% BS is joined by one of the most censored people on the internet and simultaneously, one of the kindest and most compassionate people I've ever spoken to. Alec Zeck is the Founder and Executive Director of Health Freedom for Humanity and is an outspoken advocate for freedom, body autonomy, and empowering people from all walks of life to take ownership of their wellness and freedom. He is also a husband, father, West Point grad, and Army Veteran. Summary:This episode explores the profound changes that COVID has had on the individual and collective – spanning from eerie levels of censorship, unthinkable invasions of privacy, tribalism, inability to see truth, divisiveness, and how it distills into every individual involved. In a world plagued by so many complex issues, Alec and I attempt to break down how you can positively impact others while respecting their path and process. We formulate the way to embody love and compassion for all, how to make sense of tragedy and darkness, and why the Universe is balanced in everything it does – which means you are balanced, too. Finally, Alec shares solutions as a way to move forward. In a particularly impactful moment, Alec explains what “you are free by virtue of existing” means and why standing in that freedom as a man or woman will yield beautiful outcomes beyond imagination.Key Points:·      Alec's crazy censorship story (deleted over 7 times)·      How to change peoples' minds and get people to trust themselves·      Ways to reclaim your inherent power·      How the governments' mandates are enforced via the people·      Law of One explanation including Service to Self vs Service to Others·      How the Law of One applies to COVID, mandates, and power dynamics·      Why turning people back to themselves is the key to embodied transformation·      Why the road to changing someone's mind is found through their heart·      Behind the scenes of the Health Freedom Symposium  Alec Links:Donate to HFFHHFFH Podcast (Top 50 Health & Wellness)The Way Forward PodcastTheWayFwrd Telegram Shop The Way Forward  Bella Links:Bella on IG 100% BS on IG Join my NewsletterWatch this episode on YouTube Writing on Substack 

Blind Abilities
iPhone101 - Managing Mail Messages and Accounts in iOS: Parts 4 and 5 - Deleting an Entire email Account, and Adding and Existing email Account to your iDevice

Blind Abilities

Play Episode Listen Later Nov 28, 2021 14:47


Blind Abilities presents a new iPhone101 Series entitled: "Managing Mail Messages and Accounts in iOS - Adding, Retrieving and  Deleting, Oh My!”  This new series provides a series of in depth demonstrations aimed at giving you the tools to effectively manage your email in an organized and efficient manner. Pete Lane walks us through each step of these processes with snappy and thorough presentations.  Parts 4 and 5 introduction to the process of deleting an email account from an iOS device. Specifically, Part 4: Using his Gmail accounts as an example, going into the Settings App and deleting it. Part 5 Demonstrates how to add an existing email account to a device, using the previously deleted Gmail account as the example, adding it back to the iPhone and migrating over to the Google.com web site as is required when adding or creating a Gmail account.  Step by Step processes: Part 4 - Deleting an Email account from Your iDevice   . Open your Settings App with a single-finger double-tap, or ask Siri to "open Settings". Then flick right until you arrive at “Mail”, single-finger double-tap. Flick right until you arrive at Accounts, then flick right to the particular account you wish to delete from the list provided (Gmail, Outlook, iCloud…), single-finger double-tap to select. Flick right to “Delete Account”, single-finger double-tap. Note: iOS will alert you that deleting the account will also remove other items from your device, such as, mail, notes or Calendars. Single-finger double-tap to confirm. This completes the deletion of the account from your device. You can verify it by performing a single-finger double-tap on the “Back” button and flick through the remaining list of accounts shown on the previous screen. Note: you can also check by using your App Switcher to toggle over to your Mail app and scroll through the list of Mailboxes listed there. Activate your App Switcher by rotating two fingers, like twisting a bottle-cap, clockwise or counter-clockwise until you hear Voiceover say “Mail”, then perform a single-finger double-tap to open Mail”. Flick to the Mailboxes to verify if the account has been removed.  Part 5: Adding an existing Email Account onto your iDevice: Ask Siri to open the “Settings” app, or perform a single-finger double-tap on the App icon. Flick down to “Mail” and perform a single-finger double-tap, then select “Accounts at the top of the new screen. Flick right to “Add Account”, then perform a single-finger double-tap. Select the email account service you wish to add by performing a Single-finger double-tap on that item in the list: iCloud, Exchange, Google / Gmail, Yahoo, AOL, Outlook.com / Hotmail, or “Other”. Note: If you choose to add a Gmail account, you should select Google. In this case iOS will refer you to Google.com to sign in and register the email account. Be ready with your email address and password, your name and gender, as Google will require this information during the process. Type in the email address and login information requested. Note: Dictation does not behave well with these text fields so be prepared to use the onscreen or a blue tooth keyboard. You will now be prompted to provide your cellular phone number so Google can contact you when needed. Once you do so, you will be sent a six-digit security code via text message. Be ready for this as you are given a 30 second time frame to retrieve and enter it quickly in the space provided. After providing your phone number and entering the security code, you will be presented a “Save” button, single-finger double-tap to do so. You will then move back to the previous screen showing your email accounts, including the newly added account. You can also return to your Mail App to verify that the new account is listed there as well. You are done! Congratulations! Contact: You can follow us on Twitter @BlindAbilities On the web at www.BlindAbilities.com Send us an email Get the Free Blind Abilities App on the App Storeand Google Play Store. Give us a call and leave us some feedback at 612-367-6093 we would love to hear from you! Check out the Blind Abilities Communityon Facebook, the Blind Abilities Page, and the Career Resources for the Blind and Visually Impaired group

Get Real -w- Caroline Hobby
Things Fall Apart. Yet, there is Hope. A conversation about the Duality of life with celebrated chef Kirbee Miller @kinimikitchen. She shares her life story of existing in the miracles and trauma of life.

Get Real -w- Caroline Hobby

Play Episode Listen Later Nov 26, 2021 72:42


How do you find purpose in the pieces in the middle of competing priorities, dreams differed, traumatic events, and what feels like exponentially increasing expectations? We talk about it all. Kirbee has lived through the loss of multiple family members to tragic circumstances, yet she has continued to believe in and fight for her purpose and miracles. Join us on the journey. We cry. We ask the hard questions. On this episode of Velvets Edge, Top Podcast host Caroline Hobby @carohobby (Podcast: GET REAL w Caroline Hobby) and Kirbee Miller get real and unpack issues that touch us all. And hopefully leave you feeling not alone and left with the courage to believe in hope.  Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

Velvet’s Edge
(Guest Host: Caroline Hobby on The Velvet) - Things Fall Apart. Yet, there is Hope. A conversation about the Duality of life with celebrated chef Kirbee Miller @kinimikitchen. She shares her life story of existing in the miracles and trauma of life.

Velvet’s Edge

Play Episode Listen Later Nov 24, 2021 80:10


How do you find purpose in the pieces in the middle of competing priorities, dreams differed, traumatic events, and what feels like exponentially increasing expectations? We talk about it all. Kirbee has lived through the loss of multiple family members to tragic circumstances, yet she has continued to believe in and fight for her purpose and miracles. Join us on the journey. We cry. We ask the hard questions. On this episode of Velvets Edge, Top Podcast host Caroline Hobby @carohobby (Podcast: GET REAL w Caroline Hobby) and Kirbee Miller get real and unpack issues that touch us all. And hopefully leave you feeling not alone and left with the courage to believe in hope.  Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

The Career Change Maker Podcast
# 151 How To Leverage Your Existing Experience To Transition Into A New Role

The Career Change Maker Podcast

Play Episode Listen Later Nov 23, 2021 15:53


In this episode I talk about how to leverage your existing experience to transition into a new role. So, you know you want to make a career move. But what next?  Most of our minds jump to thinking about what training, degree, course or programme we could take to make ourselves feel better equipped. I see this happen all the time, but ask yourself - will that training course or degree equip you to do exactly what it is you want to do next? Too often the answer is ‘no', because you're still feeling confused about what it is exactly that you want to do. A course or degree can seem like an easy option as you feel like you're making progress (as well as buying yourself a bit of time!) but what actually works is taking the time to slow all the way down. You need to stop and consider what it is you want to do. That means starting with assessing what hasn't been working for you in your current role, and then assessing ideally what you want to be moving towards. Rushing this part of the process doesn't work, but if you take the time to do this part properly, you will be able to take aligned and strategic action. You will also realise that you don't actually need to take all those courses - you have gained valuable experience that can be applied and leveraged in your new role. It's just up to you to identify and articulate this value and in this episode, I will show you how. What you will learn:How to conduct a career auditWhat to consider when identifying your ideal roleHow to leverage your experience and your transferable skills  Other episodes you may enjoy:Episode 150: The Identity Shifts That Must Happen If You Want To Make A Career Change Episode 129: Your Job Is What You Do, Not Who You AreTHIS EPISODE IS BOUGHT TO YOU BY THE CAREER CHANGE MAKER PROGRAMThis episode was brought to you by my signature program, the Career Change Maker Program. If you are looking for support with changing career direction, book a suitability call >> Career Clarity Call.

Real Estate Investing With Jay Conner, The Private Money Authority
How To Buy A House Subject To The Existing Note with Brad Blazar & Jay Conner

Real Estate Investing With Jay Conner, The Private Money Authority

Play Episode Listen Later Nov 19, 2021 3:27


What does it mean to buy a property subject to the existing note? Brad Blazar is a highly sought-after speaker on the subject of raising capital. He raised $2 Billion dollars in private money. Additionally, he has closed the largest mega-million dollar transactions for multiple leading real estate companies - $9M, $7.5M, $5M for SmartStop Self Storage, and national operator of self-storage assets in addition to $11M for USAllianz. At present, he mentors others around the world as part of a global coaching business on how to raise funds from high net worth investors to build, buy, and scale a business - or fund a special project like real estate. As a real estate investor himself, he has purchased, rehabbed, and renovated dozens of properties and invests as co-GP or GP in multi-family today. As the author of two books, his first book On The Wings of Eagles - Learn to Soar in Life quickly became a top-rated #1 read for entrepreneurs in addition to hosting the 2nd highest ranked podcast Beast Nation to help you cope with COVID-19 As a philanthropist, Brad donates a portion of his business revenue to MD Anderson Cancer Research and feels more needs to be done to fuel cancer research. An avid speaker, coach, and entrepreneur, Brad is passionate about helping others step into their bigger future. For more valuable information click on this link and watch the complete episode: https://youtu.be/K4Z6KmjI3rQ - “How Brad Blazar Raised $2 Billion In Private Money with Jay Conner, The Private Money Authority” Real Estate Cashflow Conference: https://www.jayconner.com/learnrealestate/ Free Webinar: http://bit.ly/jaymoneypodcast Jay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal. What is Real Estate Investing? Live Cashflow Conference https://youtu.be/QyeBbDOF4wo The Conner Marketing Group Inc.P.O. Box 1276, Morehead City, NC USA 28557 P 252-808-2927F 252-240-2504 Channel https://www.youtube.com/channel/UCZfl6O7pRhyX5R-rRuSnK6w https://www.youtube.com/c/RealEstateInvestingWithJayConner RSS Feed http://realestateinvestingdeals.mypodcastworld.com/rss2.xml Google Play https://play.google.com/music/listen#/ps/Ihrzsai7jo7awj2e7nhhwfsv47y iTunes: https://itunes.apple.com/ca/podcast/real-estate-investing-minus-bank-flipping-houses-foreclosure/id1377723034 Watch on ROKU: Roku https://my.roku.com/add/realestateinvestingRoku https://my.roku.com/add/realestateinvesting Watch on Amazon Prime: https://www.amazon.com/How-Locate-Real-Estate-Deals/dp/B07M9WNZR6/ref=sr_1_3

WashingTECH Tech Policy Podcast with Joe Miller
How Remote Court Proceedings Affect Equal Access with Douglas Keith [Ep. 257]

WashingTECH Tech Policy Podcast with Joe Miller

Play Episode Listen Later Nov 11, 2021 18:53


When the pandemic started, courts that were slower in adopting technology had to undergo a two-week revolution to move their operations to a remote setting. Under normal circumstances, that would have taken them twenty years to achieve.  Existing research shows that while remote technologies can be helpful in court proceedings, they can also harm individuals if not used carefully. Several issues have been coming up around the effects that remote court proceedings have had on our communities. Today's guest is Douglas Keith, counsel in the Brennan Center's Democracy Program, where he works primarily on promoting fair, diverse, and impartial courts. He will walk us through the various concerns. Douglas Keith was the George A. Katz Fellow at the Brennan Center, where he worked on issues around money in politics, voting rights, and redistricting. His work has been featured in the New York Times, Washington Post, NPR, Atlantic, Guardian, New York Daily News, and Huffington Post. Before that, Keith worked as a Ford Foundation public interest law fellow at Advancement Project. He directed voting rights advocates in New York, served as an international election observer for the National Democratic Institute and OSCE Office for Democratic Institutions and Human Rights, and educated poll workers for the New York City Board of Elections. Keith is a graduate of NYU School of Law and Duke University. What should we be concerned about? All existing research suggests a real reason exists for courts to be cautious about doing video hearings. Studies have shown that video court cases have not always worked out as well as those cases when people have appeared in person. Higher bail amounts charged for video court cases in Chicago In Chicago, in the early 2000s, courts began using video for most of their felony bail hearings. A study that looked at 600,000 of those hearings found that judges imposed much higher bail amounts for those required to have video hearings rather than appearing in person. On average, the video cases paid 50% more bail, and in some instances, they paid up to 90% more. People detained in deportation proceedings People detained in deportation proceedings stood a much higher chance of being removed if they were required to appear by video rather than appearing in person. A quiet place to appear and access to broadband When people get detained, questions tend to arise about the quality of the broadband and them having access to a quiet place to appear. Also, when someone has to appear in court remotely from a jail or prison setting, the background could influence, impact, or change how a judge might view them as an individual.  The digital divide When someone not detained has to appear remotely, many different issues related to the digital divide could arise. They might not have the quality of internet that a judge might expect, and there are also massive differences in terms of the devices people are using to access the proceedings. Those issues need to be taken into account if the proceedings are to be fair. What has changed? Since Douglas has been advocating for the communities that have been affected by doing court proceedings remotely, there have been technological improvements that might make a difference.  Remote proceedings are here to stay Over the last year, courts have become very enthusiastic about how remote proceedings have been working out. Court leaders across the country have said that remote proceedings are here to stay because they have been efficient, speedy, and time-saving. The problem Most jurisdictions have not been talking to the people going through remote court proceedings or their attorneys to learn what is and is not working. A common concern A common concern with remote hearings is the ability for the client to communicate with their attorney during the proceedings. That ability gets hampered because remote tools do not allow the client and attorney to make eye contact and quietly confer about any information that might be relevant to the case during the proceedings. Eviction proceedings Douglas spoke to many individuals from legal aid organizations, representing people earning below certain income thresholds and going through eviction proceedings.  What you can do, on a local level, when someone's rights are violated Pay closer attention to what the courts in your jurisdiction are doing. Courts often allow for public comment or testimony when going through the process of proposing rule changes to allow for more remote proceedings. Engage with the courts and get involved. Watch your local courts to see the types of rule changes they are proposing, in terms of remote proceedings. If you disapprove and they do not require consent to move forward remotely, write to the court to tell them about your concerns and why you think consent should be required. Resolving the issues Advocates from all over the country are busy working on resolving these issues. They range from academics studying the impact of remote tools during the pandemic to practitioners in various spaces, guiding attorneys. Research More research is needed because we do not know enough about how people are being affected by remote tools. At the Brennan Center, they advocate for more resources towards that research to prevent the courts from inadvertently doing any harm. Some other issues that Douglas is working on that are happening where tech intersects with the judicial system Douglas is working on allowing the public access to court proceedings. During the pandemic, many courts started live streaming. That allows court watch groups to remotely observe the court proceedings and report to the public what is and is not working in the courthouses. That raised questions about the point of allowing public access to the courts.  The watchdog effect Public access makes the court aware that it is being watched and reminds them of their responsibility. Live streaming might result in a loss of some of that watchdog effect. So although technology has improved public access to the courts in some ways, we could also lose something along the way. Remote tools The use of remote tools in the courts is nuanced. They can lessen the burden that the courts place on people, but there are also times when those tools could be a cause for concern. That is why the courts need to work with their communities to find the right answers.  Resources: The Brennan Center for Justice Washingtech.org

Happy Jacks RPG Podcast
HJRP2906 Experience Points, Pre-Existing Settings, Game Tone

Happy Jacks RPG Podcast

Play Episode Listen Later Nov 7, 2021 74:17


hjrp2906 Your Hosts: Stu, Adam, Kimi, Allegra In this Episode: Greg from Virginia writes in about how NOT to award XP.  Jo Lene writes in again on pre-existing settings.  Dave in DC writes in about game tone.

The Positive Head Podcast
1581: You Are a Tree Eternally Existing

The Positive Head Podcast

Play Episode Listen Later Nov 5, 2021 28:54


In today's episode, Erica shares how she experienced some intense kundalini energy this morning while in meditation and how it sparked some incredible messages to come through.  She also talks about the concept of igniting our inner fire by sharing passages from the Corpus Hermeticum and the Upanishads.  Download The Golden Key audio or e-book at GoldenKey.Gift with the Code: POSITIVEHEAD Care to play a game with the youniverse? positivehead.com/youniverse Text Brandon to receive regular golden nuggets of wisdom at 310.564.0750

Invest Like the Best
Sarah Friar - Building the Local Graph - [Invest Like the Best, EP. 249]

Invest Like the Best

Play Episode Listen Later Nov 2, 2021 73:26


My guest today is Sarah Friar, the CEO of Nextdoor, which connects people in local neighborhoods together. Sarah's CV sparkles with impressive achievements at interesting businesses, and we spend a lot of time in this conversation thinking through what excellence looks like as a CEO, CFO, equity analyst, and board member. The rest of our discussion is focused on Nextdoor and how the soon-to-be public business is fostering connections between people and businesses in their local areas.   I do this podcast so I get to meet and learn from people like Sarah. I could have talked to her for hours. I hope you enjoy this great conversation with Sarah Friar as much as I did.   For the full show notes, transcript, and links to the best content to learn more, check out the episode page here.   ------   This episode is brought to you by Canalyst. Canalyst is the leading destination for public company data and analysis. If you've been scrambling to keep up with the deluge of IPOs and SPACs these days, Canalyst has models on Robinhood, Marqeta, Grab, and everything in between. Learn more and try Canalyst for yourself at canalyst.com/patrick. ------   At WatchBox, the world's finest watches are at your fingertips with an ever-expanding collection of luxury timepieces, all certified authentic and collector quality. WatchBox's global team of expert client advisors is ready to help you find the watch you've always wanted. Step into the collector's circle at thewatchbox.com/patrick   ------   Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.    Past guests include Tobi Lutke, Kevin Systrom, Mike Krieger, John Collison, Kat Cole, Marc Andreessen, Matthew Ball, Bill Gurley, Anu Hariharan, Ben Thompson, and many more.   Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here.   Follow us on Twitter: @patrick_oshag | @JoinColossus   Show Notes [00:03:03] - [First question] - What makes an excellent equity analyst [00:05:51] - Things Sarah does differently as an operator because she was an investor [00:08:29] - Key factors that make a great CFO [00:09:31] - The role of the CFO in regards to capital allocation as a company grows [00:11:50] - What convinced her to join Salesforce and Square [00:14:45] - The initial spark and appeal that led her to join Nextdoor [00:17:35] - Existing problems with ‘community' and how they approach fixing them [00:21:36] - Interesting and compelling data points about in-person interactions [00:23:54] - Network density as a driving factor of product quality [00:26:43] - What gives Nextdoor a unique angle against some of its existing competitors  [00:28:51] - Thoughts on platform leakage and user retention [00:30:57] - Successful strategies for deploying Nextdoor in a new country [00:35:32] - Having a feed and trying to avoid creating echo chambers [00:37:04] - Some of the biggest mistakes they've made while trying to grow [00:38:49] - Options for a business model and thoughts on advertising  [00:43:25] - The importance of scale, advertising, and their relationship dynamic [00:45:55] - Ways she's learned to effectively steer the businesses strategy [00:49:48] - Why she doesn't like titles  [00:51:07] - Key levers that will allow Nextdoor to succeed in the future [00:53:35] - How advertisers evaluate platforms like Nextdoor compared to Google or Facebook [00:57:19] - What a successful board member looks like and how she's learned to be one [00:59:34] - Leading with transparency and empathy [01:02:00] - An overview of what Ladies Who Launch is and what they do [01:03:57] - Way to educate our children about finance and encourage financial literacy [01:07:51] - Making your platforms welcoming and guiding users away from conflict [01:10:30] - The kindest thing anyone has ever done for her