Podcasts about now covid

Are you interested in learning some keys to get a restful night's sleep? In this Live Greatly podcast episode, Kristel Bauer sits down with ABC news anchor and the author of 'The Sleep Fix: Practical, Proven, and Surprising Solutions for Insomnia, Snoring, Shift Work, and More', Diane Macedo.  Kristel and Diane bust some myths around sleep, Diane shares the methods that helped her overcome insomnia, some common tips that actually made her sleep worse and more.  Tune in now!  Key Takeaways From This Episode Tips for busy people who are looking to get a restful night's sleep How to deal with an overactive mind at bedtime How doing too much at bedtime can be counterproductive  Common myths about destructive sleep  The key things that helped Diane overcome insomnia Disclaimer: All information and views shared on the Live Greatly podcast are purely the opinions of the authors, and are not intended to provide medical advice or treatment recommendations. The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician or other qualified health professional when you have any questions regarding your specific health, sleep, changes to diet and exercise, or any medical conditions. About Diane Macedo Diane Macedo is currently an anchor and correspondent for ABC News, appearing on Good Morning America, World News Tonight, Nightline, World News Now, and America This Morning, as well as breaking news reports. She's also an anchor for ABC News Live, where she hosts several daily newscasts and covers breaking news and special events. An alum of Boston College, she lives in New York City with her two children. Up to sixty percent of the population is estimated to suffer from insomnia, while many more unknowingly struggle with other sleep disorders. Now COVID-19 and the life changes resulting from it have opened up a whole new world of sleep obstacles. So, as we approach the New Year—and hope for a fresh start, how do we learn to sleep well? Former insomniac Diane sets out to answer this question in her new book THE SLEEP FIX: Practical, Proven, and Surprising Solutions for Insomnia, Snoring, Shift Work, and More (William Morrow, 12/14).  Macedo breaks down the science of sleep like never before, undergoing numerous sleep tests and gathering solutions from experts all across sleep science.    Connect with Diane Website: The Sleep Fix Diane's Course https://www.sleepfixmethod.com/resources  Facebook: Diane Macedo Instagram: @dianermacedo  @sleepfixmethod Twitter: @dianermacedo Get Diane's Book https://www.amazon.com/Sleep-Fix-Practical-Surprising-Solutions/dp/0063040026  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness expert, popular keynote and TEDx speaker, and the host of top-rated podcast, “Live Greatly,” a show frequently ranked in the top 1% for self-improvement. Kristel is an Integrative Medicine Fellow & Physician Assistant with clinical experience in Integrative Psychiatry, giving her a unique perspective into optimizing mental well-being and attaining a mindset for more happiness and success in the workplace and beyond. Kristel decided to leave clinical practice in 2019 when she founded her wellness platform “Live Greatly” to share her message around well-being and success on a larger scale.  With a mission to support companies and individuals on their journeys for more happiness, success, and well-being, Kristel taps into her unique background in healthcare, business, and media, to provide invaluable insights into high power habits, leadership development, mental well-being, peak performance, resilience, sales, success, wellness at work, and a modern approach to work/life balance. Kristel is a contributing writer for Entrepreneur and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. A popular speaker on a variety of topics, Kristel has presented to groups at APMP, Bank of America, Commercial Metals Company, General Mills, Northwestern University, Mazda, Santander Bank and many more. She has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine, has contributed to CEOWORLD Magazine & Real Leaders Magazine, and has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC and Ticker News. Kristel lives in the Chicago area with her husband and their 2 children.  She can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.  

When bed and breakfasts opened following the first Covid lockdown, many B&B owners, myself included, stopped offering the room tidy. Now Covid rules are being relaxed and life is starting to feel a bit more normal - in the UK at least. There have been a few discussions in my Facebook Group for Course Attendees about what happens to room tidies going forward. So I thought I'd use this podcast to discuss: What is a room tidy and how long does it take? What does a room tidy involve? When should you change the bed linen if guests are staying more than one night? What if guests leave the room in a mess? What happens if the guests don't go out? What happened to room tidies during Covid? What's the future of the bed and breakfast room tidy? Quick tips for managing your room tidies If you find this podcast useful, you'll discover everything that's involved in running a successful B&B in my online course

Now Covid restrictions have started to ease, businesses in our city centres are cautiously optimistic about returning workers and shoppers.. Behind this recent push is Vanessa Williams, she speaks to Jesse.

Peter is on a solo mission tonight and is champing at the bit to get stuck into some of the news stories that have piqued our interest this week including...... Chaos and anger at UK ports directed at P&O Ferries, Met Police in the news for all the wrong reasons and in the Ukraine conflict Vitali Klitschko says he is ready to die for his city, are there early signs the Russian advance is stalling? and three Russian cosmonauts roll up in Space decked in the colours of Ukraine! Back in the UK eight men, and we use the term 'men' loosely, are charged with 82 offences in Grooming Gang infested Rochdale and on the Covid front the CDC removes 24% of child deaths due to error!, mRNA can jab you thin? and it is revealed the fourth dose of the Covid 'vaccine' offers bugger all protection against the Covid 'virus'! Originally broadcast as a live video news review 19.3.22 *Special thanks to Bosch Fawstin for recording our intro/outro on this podcast. Check out his art https://theboschfawstinstore.blogspot.com/ and follow him on GETTR https://gettr.com/user/BoschFawstin To sign up for our weekly email, find our social media, podcasts, video, livestreaming platforms and more go to https://heartsofoak.org/connect/ Please like, subscribe & share! Links to the stories discussed this episode Angry protests against P&O Ferries have taken place at ports across the UK https://www.theguardian.com/business/2022/mar/18/angry-protests-against-po-ferries-take-place-at-ports-across-uk Met Police says it will APPEAL High Court ruling after two senior judges found the force breached the rights of Sarah Everard vigil organisers https://www.dailymail.co.uk/news/article-10628597/Met-appeal-against-ruling-rights-Sarah-Everard-vigil-organisers-breached.html Strip-searched Hackney schoolgirl to sue Met Police https://www.bbc.co.uk/news/uk-england-london-60797237 Vitali Klitschko tells ITV News he would rather die in Kyiv than give city to Russians https://www.itv.com/news/2022-03-18/vitali-klitschko-says-he-would-rather-die-in-kyiv-than-give-city-to-russians Ukraine invasion crumbling fast as Russia is forced to defend supply lines and loses air control despite heavy Lviv bombing https://www.cityam.com/one-stage-before-retreat-invasion-stalls-as-russia-is-forced-to-defend-supply-lines-and-is-losing-control-of-ukraine-skies/ Three Russian cosmonauts wear colours of Ukrainian flag as they arrive on space station https://www.mirror.co.uk/news/world-news/breaking-three-russian-cosmonauts-wear-26505649 Ukraine war mapped https://news.sky.com/story/war-in-ukraine-the-week-mapped-12569511 Eight men charged with 82 offences in connection with Rochdale child sexual exploitation probe https://www.theoldhamtimes.co.uk/news/19998124.amp/ VIDEO: Lia Thomas Trans swimmer Covid after hours CDC Removes 24 Percent Of Child COVID-19 Deaths, Blames Coding Error https://www.zerohedge.com/covid-19/cdc-removes-24-percent-child-covid-19-deaths-thousands-others Now Covid jab technology can cut your cholesterol! Scientists are using RNA therapies to develop new treatments for some genetic diseases https://www.dailymail.co.uk/health/article-10612325/Now-Covid-jab-technology-cut-cholesterol.html#amp_agsa_csa=49326498&_tf=From%20%251%24s&aoh=16475946295546&csi=0&referrer=https%3A%2F%2Fwww.google.com&share=https%3A%2F%2Fwww.dailymail.co.uk%2Fhealth%2Farticle-10612325%2FNow-Covid-jab-technology-cut-cholesterol.html Fourth vaccine offers little protection against COVID-19 - study https://www.jpost.com/health-and-wellness/coronavirus/article-701520

This week on Health Check, polio makes an unwelcome return to the African continent and measles cases are soaring among children in Afghanistan. We hear from WHO spokesperson Dr Margaret Harris and Médecins Sans Frontières’ Sarah Vuylsteke and Maxime Pirard who are based at Herat Regional Hospital in western Afghanistan. We also hear how the pandemic has impacted children worldwide, from disruption to routine vaccination services to studies suggesting high mortality rates among children with Covid-19 in sub-Saharan Africa. Now Covid-19 has exposed gaps in health care systems and inequalities in societies around the world. We discuss how the pandemic has galvanised calls for healthcare independence for African countries, and Dr Yen Lam Minh and Dr Louise Thwaites tell us about the Oxford University Clinical Research Unit programme which will develop high-quality intensive care in Vietnam. Our guest is public health expert Dr Tabitha Mwangi who managed the Cambridge Africa programme at Cambridge University. Presenter: Marnie Chesterton Producers: Samara Linton and Ilan Goodman (Picture: Afghan internally-displaced children stand outside their mud house at Shaidayee refugee camp in Herat province in February 2022. Photo credit: Wakil Kohsar/AFP/Getty Images.)

This week on Health Check, polio makes an unwelcome return to the African continent and measles cases are soaring among children in Afghanistan. We hear from WHO spokesperson Dr Margaret Harris and Médecins Sans Frontières' Sarah Vuylsteke and Maxime Pirard who are based at Herat Regional Hospital in western Afghanistan. We also hear how the pandemic has impacted children worldwide, from disruption to routine vaccination services to studies suggesting high mortality rates among children with Covid-19 in sub-Saharan Africa. Now Covid-19 has exposed gaps in health care systems and inequalities in societies around the world. We discuss how the pandemic has galvanised calls for healthcare independence for African countries, and Dr Yen Lam Minh and Dr Louise Thwaites tell us about the Oxford University Clinical Research Unit programme which will develop high-quality intensive care in Vietnam. Our guest is public health expert Dr Tabitha Mwangi who managed the Cambridge Africa programme at Cambridge University. Presenter: Marnie Chesterton Producers: Samara Linton and Ilan Goodman (Picture: Afghan internally-displaced children stand outside their mud house at Shaidayee refugee camp in Herat province in February 2022. Photo credit: Wakil Kohsar/AFP/Getty Images.)

It is now more than 2 weeks since a huge volcanic eruption generated a 15m tsunami which hit the islands of Tonga leaving hundreds homeless and the islands covered in ash. Now COVID has sadly made its way to the Pacific Island nation along with the aid arriving from around the world. And what is the current situation in the Solomon Islands where 100 Australian police and army arrived in November last year?

Have trouble getting good quality sleep at night? In this episode, ABC news anchor Diane Macedo shares her research insights to aid you with practical solutions to follow before, during, and after bedtime. Loads of actionable information you surely don't want to miss. Key Takeaways From This Episode Tips for busy people who suffer from insomnia and sleep disorders Best enjoyable techniques and routines to prepare yourself for bedtime What can you do to alleviate the short stints of sleep deprivation? Common myths about destructive sleep  Top recommendations to boost your sleep drive Resources Mentioned In This Episode The Sleep Fix ABC News Live  Ambien (Zolpidem) Adenosine   About Diane Macedo Diane Macedo is currently an anchor and correspondent for ABC News, appearing on Good Morning America, World News Tonight, Nightline, World News Now, and America This Morning, as well as breaking news reports. She's also an anchor for ABC News Live, where she hosts several daily newscasts and covers breaking news and special events. An alum of Boston College, she lives in New York City with her two children. Up to sixty percent of the population is estimated to suffer from insomnia, while many more unknowingly struggle with other sleep disorders. Now COVID-19 and the life changes resulting from it have opened up a whole new world of sleep obstacles. So, as we approach the New Year—and hope for a fresh start, how do we learn to sleep well? Former insomniac Diane sets out to answer this question in her new book THE SLEEP FIX: Practical, Proven, and Surprising Solutions for Insomnia, Snoring, Shift Work, and More (William Morrow, 12/14).  Macedo breaks down the science of sleep like never before, undergoing numerous sleep tests and gathering solutions from experts all across sleep science.    Connect with Diane Website: The Sleep Fix Facebook: Diane Macedo Instagram: @dianermacedo Twitter: @dianermacedo   About Vegamour Vegamour is a holistic approach to hair wellness that incorporates clinically tested plant-based ingredients that work in tandem to promote healthy, beautiful hair naturally, without using harmful chemicals or short-term ‘fixes' that can lead to long-term problems. They study the power of nature through the lens of science to bring you the ultimate in total hair wellness & beauty for a lifetime of happiness. Vegamour simply models nature's holistic approach to healthy growth & function by combining bioavailable plant-based actives, enzymes, and proteins in a 360, inside/out approach to create the optimal ecosystem for hair wellness. Vegamour uses the world's finest, hand-curated, natural ingredients to ensure quality and efficacy. They cared enough to set up their own sustainable supply chains to bring beautiful, natural ingredients into everything they formulate. In return, they take care of the land and the people who help them bring this true love to you and your hair. Connect with Vegamour Website: www.vegamour.com Instagram: @vegamour Facebook: Vegamour Pinterest: @vegamour To obtain 20% off from Vegamour, visit their website at www.vegamour.com and use promo code GREATLY20.   Kristel Bauer, the Founder of Live Greatly, is on a mission to help people thrive personally and professionally. She is a corporate wellness expert, Integrative Medicine Fellow, Top Female Keynote Speaker, TEDx speaker & Physician Assistant experienced in Integrative Psychiatry and Functional Medicine.  Follow her on: Instagram: @livegreatly_co Clubhouse: @livegreatly LinkedIn: Kristel Bauer Youtube: Live Greatly, Kristel Bauer To Book Kristel as a speaker for your next event, click here.

Marty and Roj were looking to catch a break these holidays but instead caught COVID... Now COVID free and (kind of) recovered, the girls are back in the studio to catch you up on everything you didn't see enough of or at all on their socials. CHEMIST WAREHOUSE PRODUCT OF THE WEEK: Martha- Alpha Keri Super Hydrating Moisturising Lotion Roj- Coffee Bar Exfoliator Coconut Macchiato Follow us on Instagram @swipeupthepod @theroject @marthaa__k Produced/Edited by Blake Mannes from Diamantina Media (DM Podcasts) Brought to you by our sponsors and production team. See omnystudio.com/listener for privacy information.

CPI Capital has developed a reliable system for investing in multi-family properties in strategic markets across the United States. Our offer to our valued Investment Partners is an opportunity to invest in income generating properties with considerable value-add prospects. With decades of real estate experience and over $100M in real estate transactions, our team understands the time and effort required to create generational wealth through real estate. Transcript: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Alrighty. Hope everybody is doing well. My name's Jess for galley. And this week I thought we would do something a little bit different. I was a guest on a show called CPI capital a little bit about my background in real estate from student rentals to assignments, condos multi-family and brokerage.    If you find that at all. Interesting, I think you're going to like this episode, I think we touched on a number of things and they had some great questions. Some of them admittedly completely caught me off guard, but anyways, I hope you enjoyed this episode and we'll see, on the other side,    Ava (59s): Everyone, welcome to the Canadian passive investing show. I'm your host, Ava bene Saki, and I'm joined by my cohost August. Muniez we have another great show for you today, please, please like, and subscribe as it helps us build our channel and allows us to keep bringing you great content and expert guest speakers. Our mission here at CPI is to empower investors, to create financial and time freedom through passive real estate investing. And today we are joined by Jesse for galley.    Got it. Welcome Jesse. Welcome Jesse.    Jesse (1m 34s): Hey everybody. How's it going    Ava (1m 37s): Now? Jesse, Jesse is a commercial real estate broker and investor that started with student rental properties at the age of 19 as his passion for investing grew. He started investing in single family homes and condos. Then he transitioned into multi-family apartments. So today he focuses on operating and raising capital for commercial real estate. So we believe Jesse is going to bring immense value to our audience to make strategic investments in real estate. So Jesse, let's just jump right into things.  If you could start off by telling our viewers a little bit about your background and your involvement with real estate investments, please.  Jesse (2m 13s): Yeah, no problem. And I'll, I'll try to hit that high bar there for you guys. I got started in real estate in college or university bought my first rental property, went to a university in Waterloo. It's about an hour and a half west of Toronto. You know, if there are us listeners, it's kind of Canada's Silicon valley. So a lot of good entrepreneurial spirit out there. And yeah, my first investment property was, was wa wa was Walla, was in school. I saw that I was living with a friend that his father and him went in together on the property that I was actually living with.  So w I saw myself and friends of mine paying rent to another friend and started to realize that it was a great area to invest. And I kind of had a, somewhat of a background in that. My father who's also extremely entrepreneurial and my mom was well, they had a family friend that had a number of single family investment properties. So at a really young age, I'd always ask, you know, what does Mikey do? He doesn't have a job. What is, what exactly does he do? And that kind of got ingrained to me really young, so long story short.  That's how I got into it. This is probably now I was 19, 20 years old. So we're talking about oh 8 0 9. So you don't think of oh 8 0 9 as when you're going through it as a significant time. But looking back, obviously we know now it was a, it was a pretty historic time for the economy and yeah, I mean, going back that far, what I was doing was reading Canadian real estate magazine. If you guys remember that magazine, you know, bigger pockets I think was in its infancy, there wasn't resources, there weren't resources everywhere.  And yeah, that, that was my first, first property was a $250,000 student rental property with five female tenants that I pretended were a lot younger than me, but I really was, was young and trying to try to figure it out.  August(4m 8s): Great. Yeah. I guess timing, timing is always important rate too. You know, they say luck, isn't it. Mathematical equation is when timing meets opportunity. So you jumped on it. That's great. And also, also another item is here in Canada. I mean, a lot of information and content comes over from the, from the U S where you could buy a home in Texas or Arizona or Florida for 300,000 or 250,000. And you can rent it for around $2,000 a month. So you're, you're already cash flowing from the day one, but in, in here in Canada, especially in the larger cities, Vancouver and Toronto, their rent to value ratios are very low.  So that, and the kind of also the entry level to, to get into a single family home is very difficult as well. So talk to us about, you know, early on in your career as a, you know, as you were starting in real estate investing, how did you overcome that particular hurdle to, you know, with the, with the high mark of, you know, the high bar of entry with the low rent to value ratios and also the rigid mortgage laws, our mortgage laws are much more difficult than the U S so  Jesse (5m 8s): Go over there. Yeah, it's funny. I just jumped off my podcast with a, a mortgage commercial and residential mortgage broker. And we were talking about some of the differences with Canada and the U S and, you know, we have the portability of mortgages talk to an American foreign concept for them a 30 year fixed rate. They have that foreign concept to us. So a hundred percent to your point about Toronto Vancouver, I think, you know, I say those things together in every sentence on my podcasts that we're talking about expensive markets at that time, the property, I know what just offhand, because you always remember your first property, the gross rent was approximately 2,400, so $250,000, 2,400 in gross rent.  So, you know, if you go use a 50% rule as your expense ratio, pretty decent property, if you found those types of numbers today, especially our markets you'd jump on them. So it was still relatively affordable in certain markets outside of the, like the, the downtown cores, but yeah, a hundred percent, it was something where you really had to go look for value, adds student rentals still to this day. You know, the valuations are a little bit different. Cap rates are a little bit higher.  You can, you can find those deals, but they're becoming harder and harder to find. So, you know, whether you're in New York, you're in San Francisco, you're in Vancouver, Toronto, you really need to think outside the box. You start, you need to start looking at, you know, the 18 hour cities or the cities towns hour or two hours may be more outside of your general area. But I was lucky at the time. Well, you know, nine, there were still a bunch of deals that were still in our Canadian market. And to your second point about the mortgages, I think at the time I was in the five and a half fixed percent range.  And back then, if you guys remember 5% down was still pretty doable, five, 10% down. Now, when it came to student rentals, there was only a few banks that would lend on those. So that's where you had to start, you know, getting more creative with the financing. But at the time I think it was five or 10% down. I went to my dad and asked, so I had a little bit of cash because I worked summers. I said, listen, this is an awesome investment. Do you want to, do you want to sign on this line of credit so that I can, I could purchase it, gave him the numbers.  He said, absolutely not. You know, my, my parents were divorced. So what is, what does a kid do? He goes to his mom and says, dad's not signing this. So for me, that's, that's kind of how I got my first start. And I always tell this story because I feel like people, you know, when they talk about how they got started, you, you it's always fuzzy. How did the money happen? And I just like to say that everybody you go to the resources you have. I, you know, I didn't, don't come from a very wealthy family, but they gave me every opportunity, you know, family, predominantly immigrants, very entrepreneurial.  But what that allowed me to do was she signed on the guarantee for the, for the line of credit, which added to my down payment, which allowed me to get the space. And then when the second one came around, because I continued to invest in student rentals, then I had, you know, I had a case that the next one, when I partnered on one of them with my father, or I could say, Hey, this is, this is how the business has been doing for the last year and a half or two years. So yeah, that's, that's kind of the background and  August (8m 32s): You build that track record and you were lucky enough to have parents who helped one of your parents. And he was like, finished school, finished school, then we'll dock. There you go. And you were, you were 19 years old. So yeah, I was,  Jesse(8m 48s): Yeah, just turning, just turning 20. Like I, when I put the co the offer in, I was 19, when it finally closed, I was 20.  August (8m 57s): Great, great. And if you could expand on, when you talk about student housing, is that the building or the unit or the home is zone for student housing that you can rent it on for two regular tenants kind of idea.  Jesse (9m 9s): Yeah. So it's a good question because it used to be anything that a student occupies and then what started happening in a lot of cities in the states, and in Canada, you would have either municipalities or cities mandate that you have a student license, you know, we're all big fans of the government. And it was basically, you know, a, a tax that you had to pay to have it licensed. Now, I'm not saying that there isn't good logic for it. There would be, you know, fire code, additional things you would have to do to meet that standard.  But it was also kind of like a, you know, a, a taxi medallion system where, you know, they only would, in, in this particular case, they would only give so many of the moats. So yeah, that, that's how they were kind of categorized in Waterloo. And I know another areas in Ottawa, we have, I still have a couple student rental properties where we're towns are, are kind of talking about implementing that type of thing, but not all towns do. And yeah, so that, that's how it, you know, they'd be categorized as student rentals, some were above board and some people were doing just, you know, without the license.  August (10m 13s): Got it. That makes sense. Just getting back to your point, as far as making strategic investments, and you have to find the kind of diamonds in the rough for it to make sense here in Canada, in Vancouver and Toronto, there are deals, but they're, they're, you know, hard to come by. It's not a scalable business model. It's not somebody, you know, in the U S somebody living in Texas making a hundred thousand dollars a year and they can buy a home for 300,000 and they'd be cash flowing from day one. And, you know, if they do some small renovation and even keep the property, they can, they can, then in a few years, just repeat the same process, buy another property and continue to grow their portfolio.  It's very difficult business model to, to do here. And especially doing a part time, having a, you know, a, a, you know, a job or a profession, and then doing real estate on the, on the, on, on a part-time basis to then find those deals, to be able to be an active investor. So that's an great conversation here.  Ava (11m 6s): So we've, we've we, we learned about what started you in single family. Now, I'm, I'm curious what made you fall in love with multifamily? And when did you kind of start getting into multiple  August (11m 16s): Fell in love with it? Maybe he just likes we're  Jesse (11m 19s): We're we're madly in love. Well,  Jesse (11m 22s): What happened was w so I finished university over that time period. I, I purchased, I believe it was for single family. So these, but these were kind of spread out there. One was in Oshawa. So if you know, Ontario Schwann, Waterloo, they're complete opposite ends of Toronto. And what happened started happening is, and I'm sure you guys were aware of Vancouver was similar where pre-construction condos became a big thing, and this was 20 10, 20 11. I started to purchase those. And what, you know, a lot of people call wholesaling now, or just assigning the contracts.  I did a few times. So w what I did was I kind of kept going down the student rental path. I appreciated a decent amount on a lot of these properties, and then sold them pretty much, not all at the same time, but pretty strategically that I wanted to sell these and have a nest egg to move into the commercial space. It coincided with my job, actually moving from working with the job that I got right out of school to actually a friend of mine kept saying, listen, you'd love this real estate stuff.  You know, what are you doing in your current job? You should be in, in commercial real estate. And I finally got a job in commercial real estate for Avison young as a commercial broker. I happen to work in office leasing and investment sales, but it was kind of through that, where you start really opening your eyes to see what people are doing in different areas. You know, my partner, he also works for the company, but he also is an investor in the multi-family space. Multi-family I think the reason I gravitated towards that is it's just more accessible for the smaller investors that when they get their start, if you're going down retail office, industrial, you know, one, one or two tenants, you could really have large vacancy.  You need a lot of cash for 10 and allowances, tenant inducements. And then the other thing is in Canada. And I believe it's, it's similar in the states, whether it's Fannie Mae, Freddie Mac in the us, or it's CMHC in Canada, there, there are financing products that are more geared to apartments because it's still considered residential, even though it's five units and larger, which lender looks at that as commercial. So yeah. Accessibility for, for lending and yeah, that's, that's how I made the transition.  And we've, yeah, we've kind of focused now, just exclusively on building up the multi-family portfolio,  August(13m 44s): Right? So not only your focus as, as investing changed to multi-family commercial real estate, you, you actually switched your profession to also be involved in the commercial space as a broker. Funny enough, Ava and I were looking at a private equity firm and their principles, and just reading about their bio is, I mean, notice every one of the principals had commercial broker on the bottom of their title, even though some of them, one of them had a PhD, but he still had a commercial broker at the bottom  Jesse (14m 10s): Of their bio. It's funny, it's funny. They there's a lot of people in our industry and NAIOP is a great organization. If you're interested, especially in Canada, in commercial real estate or north America, that's, it covers all areas. But so many of the people that have started their own firms that are CEOs of brokerages or workflow, you know, workplace strategy, it's funny how further back in their career. A lot of times they were brokers or, you know, leasing specialists and really seeing real estate from the ground up.  And I think it's a good foundation as investors, or if you want to have a career in real estate. Yeah,  Ava (14m 48s): Definitely. Great. You got your license. I had my license.  Speaker 3 (14m 52s): Yeah. I couldn't wait to get rid of mine for 10 years.  August(14m 59s): So now I want to talk to you about, let me see, I had a question here for you. Oh yeah. I want to talk to you about, you know, we, we w w w in our research, we are in the space we're in, in Canada and in the real estate of real estate, private equity and, and especially thought leaders in this space who put out content, obviously you came up or you came on on our list. I mean, notice that you are a thought leader in this space. Talk to us about your connection with a bigger pockets and how that came about. Especially one of my biggest complaints with bigger pockets is that most of their content and information is, is a director is for Americans.  And a lot of people do read that information. And now have I have wrong information or information that doesn't make sense. They, they believe that 10 31 exchange exists here in Canada, or that they could, you know, part-time be real estate investors and have 20 single family homes or, or, or other also other compliance verbiage that's that's used in the us, which that doesn't mean the same thing on this at our border, and means something totally different. Something like an offering memorandum is a document provided by a broker to someone looking to purchase a commercial real estate, or an offering memorandum here in Canada is a, is a legal document as security emerges exemption that's used.  And it's a legal document. So talk to us about your connection with bigger pockets and how they came about, and what do you currently do with that group?  Jesse (16m 24s): Yeah, for sure. I think it started from, well, I was on the podcast, the BiggerPockets podcast as a guest years ago. I think that was what started the relationship. I, I really, I don't remember exactly how that relationship started, but it did then. And what it ended up happening is we, we continued communication. Obviously I used a bigger pockets as a resource. And just as a side note for Canadians that are on bigger pockets, even if you have a free account, you can go and put a keyword alerts.  And almost always, I have one keyword alert that is Canada Canadian, us Canada. So like you do get chats that are started specifically about CA Canadian investments. You're going to be pulled into those, into those strings, which, or forums, which is great the way I started doing videos for them. I think Brandon and I, we were talking, or I, I had reached out to him a little while after the podcast. And I had said, you don't, you guys don't seem to have a lot of commercial content, whether that's, you know, industrial retail office, larger apartment buildings, it seems to be focused primarily on single family and, and apartments.    And I said, what if would you guys be open to me doing videos? And he's like, I guess at the time, they're like, yeah, absolutely. It's, we're, we're missing that piece. So yeah, for a couple of years, I was doing videos on a commercial commercial real estate. That's commercial loans, private equity. You're absolutely right though. When you say that, you know, there's that us Canadian gap and a hundred percent it's, you know, you have American her Canadians thinking that they should buy us real estate and put it in an LLC. Okay.  Canada, that doesn't recognize an LLC. You know, you have a certain things, like you're saying what the offering memorandum, you keep hearing, they're raising money for 5 0 6 C offerings that doesn't exist here. So there's all these little intricacies that we need to focus on that when we, when we hear about this type of investment in the states, really need to figure out what that equivalent is up here. And that's what I think we were trying to do to a certain extent there. But like I said, ultimately, as a Canadian, there's definitely Canadians on the, on the forums there, you just kind of have to have to search for it.  But yeah, it's a, it's a really good point.  August (18m 40s): Great, awesome. Talk to us a bit also about your, your own platform. So aside from working with bigger pockets, I believe you have your own YouTube show and podcasts. Talk to us about that in the process and how you came about, you know, starting your show and how it was, how is it going? Yeah,  Jesse(18m 58s): No, it's going great. It's, it's a lot more work as you guys know, then, then, you know, you really realize when you go in, I was just a friend of mine just sent me a stat or a couple stats about podcasts. And it was, I can't remember exactly, but, you know, you know, something like 3% of people go pass episode three, you know, 50%, you know, whatever it is, it's just the consistency. I'm definitely more active on working capital. That's my podcasts. It's working capital, the real estate podcasts. You can get that anywhere, iTunes, Spotify, and the YouTube channel.    I just started putting out like a lot of people, the questions you get asked again, and again, and again, a lot of times it's just easier to make a video, send it out and say, you know, this, this answers it. I think that being on the bigger pockets, realizing that, you know, like when you go on their channel, it's like all of a sudden you have, you know, 70,000 views on something and you can't manage comments like that. So I think for me, it was just like, I didn't realize there was that many people out there that wanted this content. So I try to put stuff up on YouTube as, as much as I can, but really the focus for, for myself is more on the podcast side.    And then through there, you know, people can reach out to me, you know, hear me on the show. And if it's about investing in the future, investing in other investments that we're doing that we're raising capital for. That's where I would say the platform is, but it hasn't been formalized in, in a way where, you know, it's, it's my day job and that's, what's challenging about it. Right. You're, I'm still in brokerage and I don't think I'll ever leave brokerage completely, but yeah, that's, that's kind of where I'm at right now.    August (20m 35s): Yeah. Being a broker is like, you know, the bat, the bat sign put up in the sky when they call it comes in. You've got to go. So yeah, it's definitely a full-time    Speaker 3 (20m 44s): Gig. Yeah. Great.    August (20m 46s): Just to touch on podcast a bit more, what is the podcast mission statement? So what, what problem are you solving? What message are you getting across and what is the kind of the, the final call to action or, you know, the, the, the benefits it has not only for obviously your, your listeners, but also for yourself.    Jesse (21m 4s): Yeah. What I wanted to do is have an educational, real estate investing podcast that where we have guests on, we have them from a range of backgrounds all centered around real estate. So, you know, whether that's a cross border lawyer, whether that's a mortgage broker, whether that's talking to people that are investing in self storage, I wanted to get kind of a round picture of what real estate is and the different niches, or as my podcast guests say, if they're American niches, that drives me crazy, but the different niches in our industry. And through that, I'm what I hope to do too, is when I have people on the show and you touched on it earlier as a Canadian, even though half of the listeners are American, I try every time I can, where somebody is like, well, an FHA loan, and then, okay, well, let's just clarify from the Canadian point of view, it's this.    Or, you know, if they say something like a 30 year fixed mortgage at 3%, and I say, well, in Canada, you can do a CMHC mortgage at 1.6. They're like, that's crazy you at 1.6, because a lot of times you hear, they don't believe that our cap rates are 2.9, 3% in some areas like you're in Vancouver and guarantee some of those office buildings are sub three and they're like, well, our loans are three. It's like, no, no, no, no. Your loans are three. Are our loans are not even though it's still crazy low. So there's only all these little like variation.    So just a long, long winded way to say. What I try to do with the podcast is try to be a north American podcast where I can have Canadians and, and Americans listen to the show and, and feel that they're both getting talked to.    August(22m 36s): Great. Great. So now let's switch the conversation here. Emma has a few questions for you, but let's switch the conversation back to being a real estate investor. As we all know, eventually your real estate investors run out of their own money because they've already deployed it. Or they're looking for bigger projects and a time comes to raise private equity. Where are you at in your, in, in your business currently, are you at that stage that you're, you're raising capital and, and talk to us how that all came about and we can go from there.    Jesse (23m 6s): Yeah. So this year, or I guess the end of last year starting of this year is when I first started to raise capital for real estate. It's, it's kind of a scary thing, which I think is a good thing. If, if you are a fiduciary to somebody else and you're managing somebody else's money, I think you should party. You should be a little scared. I think that's natural that you should have a fear of making sure that you're, you're doing the right thing for your investors. So that coincided with a lot of the podcasts I listened to.    And again, the guests that I've had on my show where, you know, you get connected to masterminds where they are teaching, raising capital or fund to fund model, stuff like that. And again, it kind of goes back to your point of the offering memorandum where like, you know, we sometimes call it an information memorandum. That's more of a brokerage thing than I think a us thing. But yeah, the offering memorandum in Canada, you're, you're talking about legal documents. And the reason I bring that up is the mastermind that I was in was a us centric mastermind for raising capital.    So even there it's like, unless you're investing in the U S it's really challenging to justify what you're spending on that, a mastermind, depending on the cost. But anyways, that got me into the mindset of it, like buying your first property, once you do it once you're like, oh, that I can, I can do that. And that's really what it, what it was for us. Once we started raising capital. So this was the first investment raised a million and a half of equity.    So it's not a huge amount, but it was the first time we ever raised capital it, me and my partner. And, you know, the thing is, there's just, you go through these different cycles while you're raising up. Are we going to have enough? Okay, we're good. No, I don't think we're good. And then it got to the point where we're like, you know what, after it's all said and done, you have subscription agreement signed. You're like, I think if, if I was forced to, I think I could do three, I think it could do five. And I think that's the natural progression when you get used to something and you see that it's, it's achievable.    That's    Ava (25m 10s): Fantastic. And Jesse, I'm curious, what structure do you use to raise private capital?    Jesse (25m 15s): So we do a pretty standard limited partnership agreement. So general partner, limited partner with the caveat of having a asset management company, as part of basically the administration that kind of handles everything. So for those that don't know the, you know, the limited partners are all your investors. They have limited liability. This is not legal advice, but they have limited liability in these investments. The general partner in Canada partnership can not own a real asset that they can't own a property.    So you need to have sometimes a numbered company or a GP. The general partner as a corporation oftentimes owns the property has title, but the limited partner has a beneficial ownership of the property. And then from there, Ava, we do a very simple split where, you know, you have a certain threshold of preferred return that goes to your limited partners. So return of capital first, a preference turn of a certain percentage. Then after that a profit split between the general partners and the, and the limited partners, okay.    August (26m 22s): Maybe you can kind of talk to us more about the deal that you had. So for example, here at CPI, our business model is the multifamily value add and because of their, their higher rental value value ratios that exist in the us on a 70, 30 LTV, you know, we're, we're able to, from the rents we collect, we're able to pay our mortgage payment, pay taxes and fees, third-party property manager, and still have a surplus to pay our investors. Those preferred returns you talk of from day one, because the deals we look at are usually 90% occupied.    So they're, they're well above the mark. So now, how do you go about your deals? Are, are, are your deals ground up development? Is it a value add project? Is it kind of A-class talk to us or what kind of deals you guys work on and how are you able to, is there a return given to investors from day one or is there a kind of a capital event where the project has to go through a certain steps before there is any kind of cashflow coming back to the investor?    Jesse (27m 21s): Yeah. So for us, I'm constantly looking for off market deals, you know, as a broker, you know, first thing we think is we're not bidding on deals. So for me, I was actually land registry looking for properties off market calling, Hey, Jesse, for galley. Listen, I want to put an offer in, on your property when you consider one. So what D constantly outreaching for off market deals happen to find an off market deal? A gentleman owned the property for a number of years. I think it was kind of retirement time for them there. They were, you know, ready to sell.    So for me, this just happened to be a class deal. I wasn't searching for an A-class deal, but it was in probably one of the most expensive areas in Canada, in forest hill and Toronto. It just so happened that when we took a look at these rents, we were, we just saw that it was probably at 60% of what market is. So initially when we went into it, we, what we were going to do. And a lot of our clients do this, where they do what they call condo finishes two older apartments.    So you're putting a dishwasher in the apartment in suite laundry and what our initial thoughts were, were to go in, do $75,000 per unit, really higher end upgrades to achieve higher end rents. Now COVID happens. And all of a sudden, Y you know, you have to be careful about trying to just do a class when the market, you know, might not be able to sustain it. So, for us, what we did was we kind of pivoted and decided to do, you know, instead of a $75,000 upgrade, maybe a 40, 45 more conservative rents, and then kind of, you know, turn over three, four suites within a shorter time period.    So the structure of the deal ultimately was it wasn't, it wasn't a vanilla deal. It was a bridge loan for two years, stabilize the asset, do the renovations, renovate the L renovate a lease at these higher rates, then switch to a conventional, or, you know, CMHC loan switch to the L to that loan once you've achieved that rent. So that, that basically the mortgage takeout takes out your bridge loan. And now you have a stabilized income.    And to answer your last question, in terms of the capital event, this, this deal would be like a development deal. And if anybody has seen, you know, limited partnership agreements, when it comes to the development deals, you get your preferred return. And just as an aside, the preferred is not a guaranteed return. It's a preferred return. And absolutely you try to achieve that, but in a development deal, you know, there's no income. So what happens is that say 7% preferred return a cruise. So your one seven year, two 14, you know, some people compound it.    We don't, it's just simple accrual. And then when there is a capital event, say the refinance, then we decide then do we pay investors all back their initial cash, keep them in the deal, or do we sell a property? Has it gained enough that, you know, it looks appealing to sell and pivot or, or buy another asset so that, yeah, we, we, looking back, I would have had a lot, a lot less stress if we picked a more vanilla investment, but that's, that's what we, what we got our hands on.    August (30m 33s): Great. Oh, how many units was this project?    Jesse(30m 35s): So this one was, this one was seven units, but for anybody that's not in a major market, we're talking about 500,000 plus a unit th the, some that have sold on the street or 700,000 a unit. So this is not, you know, you're not in Boise, Idaho, the first investment, sorry, apartment building we bought was actually west of Toronto and Hamilton 11 unit. And it was a third of the price. So it's just a matter of, you can find expense, more expensive assets, but there definitely has to be a value play there because they're just too expensive to buy.    If they're, if they're already stabilized and at full rent.    Ava (31m 17s): Awesome. And the whole time, Jesse, what's the whole time that you guys were predicting    Jesse(31m 21s): For the, for this one that we're purchasing. So this one, what we have is that to your kind of timeframe, to do the renovations. And then for us, really, we talked to investors, the fund, the sort of the partnership is open for you no longer than that. But I personally, if, if things are where we think they will be in two years in terms of where we want to get the rents, I would love to refinance it, get everybody their capital back and stay in the deal together. And then down the road, because of where it's positioned with a lot of over a billion dollar of Provigil funds in transit.    I think we could add another story to it longer, you know, in the long run. So yeah, we have a few options, but I, the reason I bring that up is I hate seeing these investments where somebody says, like paying out their LPs and then buying them out. It's like, you're the reason they got this asset. You can pay them out and then they're not in the deal. Yeah.    Ava (32m 17s): Options are key. That's fantastic. Now maybe we can discuss your nurturing process for your investors as it's obviously a very important component of, of syndicated investments. So maybe you can please tell us how you nurture your investors and get that know like, and trust and keep that know like, and trust going.    Jesse (32m 36s): Yeah, for sure. I, I can't remember. It was actually a guy in the west end. I think Saskatoon, I had on my podcast and he said, this is very simple. He was, he's like, listen, go on your phone. If you scroll all the way down, if you have an iPhone and you're a contact scroll all the way down to the bottom, you'll see how many contacts you have. It's actually crazy when you're like, how did I accumulate, you know, whatever thousand 700, whatever contacts you can upload those to your computer as a spreadsheet. And you could run through those and really look at who's somebody that haven't had contact with that I could reach out to not to sell them anything.    But as a touch point saying, listen, you know, how are you doing? It's been a while, just a general email. So he had like a three-step, you know, general email, a discussion and just not being salesy. And eventually basically telling people, listen, like, you know what I do in real estate, these are the type of investments that I buy. If this is something that you'd be interested at all, when we have one of these under contract or we're purchasing one, let me know if you'd want, want me to share it? And if you don't just let me know as well.    And nine times out of 10 people don't say, no, they don't say like, no, no, don't tell me. And you know, you be somewhat strategic about the people that you're, you're reaching out to. And then I think what people really need to do, you're in so many more networks than you think you are for me. I did my masters at university of Toronto and just reaching out, literally getting the class list for my year and go and reaching out to all of them. Because, you know, if they, if they did that in school, they're probably, you know, doing something that, you know, might be a little bit different.    They they've made a career change maybe later in life. So you have access where I had access to a lot of people that were like, yeah, a hundred percent sign me up. And some of the people that are in the subscription that, that are LPs were from that. So, you know, I've had people on my podcast that were in law enforcement and they left the force and then they, you know, they had their first indication with 20 cops. So I think you got to look at the networks that you're in and, and don't be afraid to tell people what, they're, what you're doing. Like you, you, you two are doing here, you know, people know when they talked to you August and Ava, like yeah, they're, they're in real estate.    So I think being seen as is important, and I know it's not easy for everybody. We're not all extroverts, but it really is an important part. If you want to attract capital and, you know, that's the path you want to take.    August (34m 58s): Great. Awesome. And I'm sure your shows and your connection to a bigger pot pockets is also a great cultivation process for, for bringing awareness to you and, and investors to, to your services, but maybe briefly touch on your nurturing process when the investors do connect with you, if it's from your own list or from, from your marketing campaigns or from your thought leadership platform, as they come into your database, how do you keep in touch with them? Do you know if it's through newsletters or other content that you send to them? So eventually when you do have a deal, because as, as us being in the syndication business, we're not a fund, we're not continuously buying assets and continuously raising capital, we look for a great deals and then we present it to our investors, to, to us very briefly about your nurturing process when for your leads or your contacts.    Yeah,    Jesse (35m 43s): Absolutely. I think for me, part of it is, you know, when you go to working capital podcasts.com and people will subscribe to the podcast, that'll be part of, you know, me reaching out to people and connecting and nurturing through there when it comes to people that I've, I've reached out to that say, didn't sign up for the last syndication, just touch points with them, whether, you know, constant contact or MailChimp keeping kind of abreast of keeping them abreast of what you're doing. And really, I haven't, I haven't formalized it in like to a T for me, it's just been, you know, the list of people that I have that are in my database, on, you know, through my website where we capture all the emails through the, the list that I have when I reach out to people.    And yeah, it's, it's really, it's really like that right now. If we move to something more formalized as we, as we continue, you know, maybe that, that will be the path. Ideally, I'd like to get to a point where we're going to have committed capital rather than syndication where you're chasing the deal, chasing the clock, whereas where you can call capital and you have the fun there. Yes,    Ava (36m 47s): It's cool. Cause you probably have a long list of people who are watching you on the sideline watching you kind of do your first deal and then your next one. And eventually a lot of syndicators say five years down the road, they've been watching us and boom, they just gave me $2 million. Well, I had a buddy    Jesse (37m 0s): Of mine and like really good buddy that I did, that it was in my MBA and he's like, he opted out of the deal and he was just, you know, you know, you get a guy constantly asking you questions like, and then he's like, ah, so, so did that happen? I'm like, yeah, it happened. And he's like, oh, okay. I'll like, I'll, I'll go on the next one. I'm like I told you, man. So yeah. I mean, you just keep in touch and you know yeah, yeah. And it seems    August (37m 20s): Your process is much more up close and personal and hands-on, that's always the best way to go about when companies get bigger. You never even get the CEO on a call with your cases is very kind of up close and personal and that's great. That's great. Awesome. All right.    Ava (37m 33s): Now, Jesse, let's time to have some fun. We're going to start the next segment of our show. So we like to call this the 10 championship rounds to financial freedom. So please just tell us the first thing that comes to your mind and I'm going to get started.    Speaker 3 (37m 51s): All right. I am. I'm set. All    Ava (37m 53s): Right. So who was the most influential person in your life?    August (37m 59s): Cool.    Jesse (38m 1s): Oh, I'm going to get one of the mad probably my father.    August (38m 4s): He didn't give you that money, man. He's, you're attracted to the hard to get.    Ava (38m 11s): What is the number one book you recommend?    Jesse (38m 14s): Oh man. So many, but all I just say, start with no gym camp. Okay.    Ava (38m 20s): If you had the opportunity to travel back in time, what advice would you give your younger self start    Jesse (38m 29s): Early start, start right away. You    August (38m 31s): Started in 19.    Jesse (38m 33s): I think just in general with other things like anything in life that you go, I'll do this. Oftentimes you don't do so. Just, just jump in. If, if you know you, you will, you will regret not doing it. You know, that'll    August (38m 45s): Be the heavier regret when totally    Ava (38m 49s): All right. What, what's the best investment you've ever made    Jesse (38m 55s): In my education.    Ava (38m 57s): What's the worst investment you've ever made. Let me think your    Jesse (39m 5s): Worst investment I've ever made. One, one student rental property. It's tough to call them the worst because you learn from those. But very, a lot of, a lot of mistakes made on that, that, you know, took, took a while to, to, you know, fix and yeah.    Ava (39m 21s): All right. How much would you need in the bank to retire today? What's your number?    Jesse (39m 28s): Nothing. I, I love being active and working and I don't, I don't find what I do, you know, a job job. So    Ava (39m 38s): If you could have dinner with someone dead or alive, who would it be?    Jesse (39m 43s): Well, dad's more fun and morbid. Probably Milton Friedman. I've the economist. I've, I've always found his, his writing's really good capitalism, freed and freedom free to choose. Yeah.    Ava (39m 56s): Awesome. If you weren't doing what you're doing today, what would you be doing now?    Jesse (40m 1s): That's a good question. Probably law. Okay.    Ava (40m 6s): Book smarts or street smarts.    Jesse (40m 12s): After all my education, I always still say street smarts.    Ava (40m 17s): Okay. If you had a million dollars cash and you had to make one investment today, what would it be? I would put it    Jesse (40m 27s): In a fund as the GPS Capitol to show our skin in the game and you know, whatever we can multiply off that with, with investors. Awesome.    Ava (40m 38s): That's a great answer. Awesome. That's great. Those    Jesse (40m 41s): Are so yeah, you don't get asked those every day. Yeah. There    Ava (40m 44s): You go. Kind of puts you on the spot and it's fun footings, you know, first thing that comes to mind occasional    August (40m 50s): As well, right? It helps others kind of think about these questions and kind of helps them with the process. Hey Jay, Jesse, we really appreciate your time. Thank you for thinking. We know you're super busy. We really appreciate taking the time coming and speaking to us, definitely add a lot of value to our viewers and eventually our listeners listeners when we change this show to a podcast and,    Ava (41m 9s): And yeah, Jesse, if you just want to take a quick moment to tell everybody what, the best way that they can reach you, please.    Jesse (41m 15s): Yeah, for sure. I mean, aside from a Google search, Jesse, for galley working, working capital podcast.com, you can go there if you want to subscribe to, to get the show or Spotify, iTunes and yeah. Reach out to me there I'm as a broker, I'm not hard to find. So that's yeah.    Ava (41m 35s): Johnson, Jesse. Thanks a lot for coming today. Thanks so much.    Jesse (41m 47s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse, for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care. 

Radhika Batra - Founder & President of Every Infant Matters / Forbes 30 by 30 list. A very passionate and driven person with an incredible energy and sense of urgency in dealing with such terrible situations within our society impacting on the poor and less privileged. Along with her mother Shelly - both ladies are doing so much good for so many. Primary focus has been preventing infant blindness and Tuberculosis. Now - COVID and the terrible impact in India of recent months. From giving up a family bed to setting up a Covid Task Force whilst both suffering from Covid. We talk about the real situation on the ground and cover: Taking tough decisions Going to incredible lengths to get oxygen and medication The terrible truth about corruption and miss-selling of medical supplies   Foreign Aid decisions - linked to set logical criteria Capability to handle excess doses of vaccine Covax and WHO  Vaccine hesitancy Responsibility and accountability - balance before blame Great session with someone who is really making a difference.

From policy to infrastructure to new and old buildings, how can we create cities that improve lives through deep carbon reductions, creating co-benefits for people and the planet? Thomas Mueller, President & CEO at Canada Green Building Council, joins us to share why this is a ‘critical decade' for the green building market and why green buildings are an actionable solution for helping Canada meet its goals for economic development, job creation, and GHG reductions. Related Content & Links: Thomas Mueller - President & CEO at Canada Green Building Council (CaGBC) CEO, Green Business Certification Inc Canada (GBCI CA) LinkedIn: https://www.linkedin.com/in/thomas-mueller-4901b810/ Canada Green Building Council - https://www.cagbc.org/ --- Transcript: Dan Seguin  00:02 Hey everyone, welcome back to the ThinkEnergy podcast. As cities struggle with the pressure to reduce greenhouse gas emissions, better support green jobs, and hyper competitive real estate markets, they must find new and creative solutions that address short and long term issues. This includes creating a low or zero carbon future, which requires a step by step process to retrofit our existing communities and ensure all future builds are net zero carbon operations by 2050. From policy to infrastructure to new and old buildings. How can we create cities that improve lives through deep carbon reductions, creating co benefits for people and the planet. As of 2018, the green building industry added over 164,000 jobs, which is 55% greater than 2014. Over the same period, Canada's oil and gas extraction, mining and forestry industries stagnated in terms of job growth, they contracted by 2.8% and shed 7580 positions. Canadians have grown conscious of a broader range of social and environmental challenges. This shift and resulting public pressure have in turn spurred policymakers and industry leaders to raise the bar on sustainability, leading to increased government activity and higher standards for both building codes and industry certifications. As a result, green building certification programs are not only growing increasingly stringent, but also broadening in scope. Over the past decade, they have raised the bar on energy efficiency, renewable energy and sustainability practices. By extension, they have changed the way Canadians design, construct, maintain and operate buildings. A large percentage of Canada's buildings continue to be constructed without green building practices, or third party certification. building codes and municipal bylaws in provinces such as British Columbia are driving market transformation via new construction. So here's today's big question: is the existing building market really the most significant untapped opportunity for economic development, job creation, and GHG reduction in Canada? Our guest today leads the Canada Green Building Council national green building strategy, programs and standards, along with advocacy and policy initiatives. He's also the founding director of the Canada Green Building Council, and became president and CEO of the council in 2005. Dear listeners, please welcome Thomas Meuller. Thomas, you're a well known advocate for green buildings and sustainable community developments. Perhaps you can start by telling us a bit about yourself, What drew you to your current role? And what the Canada Green Building Council does?   Thomas Mueller  04:09 Thank you for inviting me. My name is Thomas Mueller. I'm the president and CEO of an organization called the Canada Green Building Council. And we've been advocating for green building practices since 2005. And, and we are really focusing on changing the practices in the billing industry ever since what really drew me to this to this work was that I, you know, I was inspired at the time and this is a long time ago by our common future, which was the Frampton report, as it was referred to the first mention of sustainable development and didn't take me long to realize that the building sectors, one of the sectors that have there's no other sector in the world has more impact, not just on climate change, but also how we live and our economy than the building sector. So that in the late 1990s, I was drawn to that sector to make changes, the other would help us reduce the environmental impact from that sector.   Dan Seguin  05:26 Now, how can we create cities that improve lives through deep carbon reduction, creating cool benefits for people and the planet? Why should we strive to make every building greener?   Thomas Mueller  05:43 So when you look at the building sector, or in cities, when we and it's getting better now, but when we use to cover climate change in this country, usually, if you watch CBC or CTV, it was always the one standing in front of big chimneys that would kind of admit, what I guess, was carbon emissions was big factories or it was transportation was standard on hot in front of a highway and just, you know, talk about how these two sectors transportation, and factories would just be the main culprit in climate change. The fact is, they're very high emitters. But actually, a building sector in Canada and globally is about 30%. And that includes both the operation of the building, so the heating, cooling, light lighting, but it also includes the embodied materials, so the body carbon materials, so that includes the energy used to make steel, the energy to use make any parts of the building. So it's a significant footprint that a building sector has. And the building sector also employs a lot of people. And we live in those buildings. So it's about the opportunity about carbon reduction. But it's also the opportunity that buildings are made for people. And we want to make sure that we balancing our environmental aspirations that we have a building in the in Canada green building, kind of context, that would help us to also look at how can buildings be good for people, because at the end of the day, that's what we build buildings for, to live, to learn to work. It's this combination of in the building sector, the impact, and the also the impact that buildings have on our lives. And on the environment. It's a combination of that. And so it's a great opportunity to combine those in green buildings, and also the green building sectors, the only one, we talked about climate change, and the other things is that actually has return on investment. And not just from the energy, but you have people in buildings that are more productive, that are healthier, that has a direct impact on his employer, for government, people are healthier, happier, more productive, that has a positive impact all around.   Dan Seguin  08:12 Okay, Thomas, wondering how important is it to balance our carbon reduction ambitions with health considerations, particularly during and after COVID-19? Do we have a clear path to show carbon leadership with healthier indoor environments, that future proof buildings, encourage innovation and drive job growth?   Thomas Mueller  08:36 Yes, we do. So I think we need to there are several questions here there Can we need to pick apart a little bit. One is that we absolutely need to balance our ambitions around carbon reduction, energy efficiency with human health and well being. Because we don't want to go back to the 1970s, where we can over insulate buildings and people get existing in those buildings, right. And just as a human being, I think we want to have access to to light when we work on those buildings to daylighting those buildings, we want to have access to fresh air, we want to have access to an environment that makes us feel healthy and relaxed, because then that's when we do our best, let's say in the working environment, or in a learning environment at school for children. Or when you're at home, you just want to make sure that the air and the light in your building are healthy. And so we want to make sure that how we design our buildings are on carbon because there's one trend where you want to have you know super insulated buildings and don't get me wrong. Energy Efficiency is very important when we get to low carbon non zero carbon buildings. But at the same time, we have to make sure that not only basic human needs are met that we want to enhance those needs in buildings. So we need to design them accordingly. So we need to balance those two. Now COVID has provided an extra kind of layer around how people think about buildings. Because before then I think most people didn't really think too much about, you know, ventilation, when you went to work ventilation or air flow, or those types of things, with COVID has come really into focus. Now that buildings need to be not only safe, but also be healthy. I think it's a great opportunity to rethink how buildings can be, not just from an environmental point of view, but also from a health point of view. The, I think the the final solution, on what, how buildings will operate after the pandemic is over I, after updating has kind of retreated, because I think it will be busy with us for a while, is still out. But definitely what we know is that more fresh air in buildings will be very important. And then there's filtration of that air and there will be humidification of the air and so on. So what the final solution is really depends also, you know, where you are, what kind of building it is, that solution is still out. But it's a great opportunity to look at and say what can buildings be from a health point of view, and not even just because of COVID. But beyond COVID, because we want healthier buildings, but we also want them to be low carbon, we want them to be water efficient, we want them to be materially efficient, we want to recycle. And that's something as the council we have been advocating for the last 20 years through our LEED building rating system is called Leadership in Energy, Environmental Design. We have advocated for that. So what we call that is holistic buildings that are good for the environment, they're good for people, and they're good for the economy, right? And buildings, only sector we can actually materialize that we can actually realize that you can invest in environmental solutions, you can invest in human based solutions, and you can have a return on investment. So in a way, you can eat, you can have your cake. And you can eat it too, when it comes to buildings and and, you know, environment in business in green buildings is the epitome of that where this comes together in a very meaningful and very outcome based way.   Dan Seguin  12:26 How do we accelerate to a netzero economy? How can we create efficiencies to reduce environment at risks?   Thomas Mueller  12:36 Do you think there's the several, I think several factors playing into that and how we can accelerate that is one. First of all, I think we need good government policy. And we see that with the current federal government, they have actually done more on on climate change policy than all the previous governments taken together as far as I'm concerned. And it's finally good to see that we have made not only policy, but there's also investment issues seen in that in the budget, the last budgets come out and announcements before that. There's been a real investment or investments being made in in helping the economy and the Environment and Climate to move towards low and zero carbon. Because I think that the goals are clear, right that the goals are ambitious. But they're not ambitious in Canada, they're ambitious globally. But this government has really made an effort. And that starts with trust before the budget, where minister McKenna announced the I don't know how much money was but it wasn't one point, I think $1.6 billion for underserved communities, smaller and underserved communities in terms of retrofit and new buildings and buildings supposed to be, you know, low or zero carbon was an announcement by the Canada infrastructure bank financing program of $2 billion to finance retrofits in the commercial sector, like large building retrofits. There was announcements in the budget around the workforce development because we can't forget we also need to invest in the workforce so that people are skilled. And we have enough people that actually can kind of renovate or rent retrofit and build those buildings. And then also that investment in Canadian economy, in producers to decarbonize, right. So it's nice to say, you know, you need products that have a lower carbon footprint. But, you know, you've been talking from extraction, to manufacturing, to installation to us to disposal, that's a long lifecycle, and you need to decarbonize the whole product, product supply chain, in order to get there. So we so we have that part. So practice, government, and we also see replicated provincial level and you see it replicated at the local level. Many municipalities as you know, I've announced a climate emergency - great. But now, it's always the challenges. It's not just that you plan and you announce, but what about the implementation? How can you make that happen now, in buildings, again, is a natural go-to. Because government is the biggest owner of buildings in our country, collectively, the federal government owns a lot of buildings, municipalities and provinces all around the building. Federal government has announced for its own building that they want to build the buildings to zero carbon by 2030, or their own buildings, that they want to retrofit the existing buildings to low carbon performance. They're the only one to lease office space on leased buildings that is zero carbon buildings by 2030. So they take a lot of steps also, as an owner as a procurer of products and services, to go that route. But the second part, then is the private sector, we have to get the private sector on board. Because remember that you cannot, you cannot regulate your way out of this. We actually need the private sector needs to be at the table and actually invest in the low current economy. And for us, on the building side, we really see that happen. Many of our largest members in the council, large commercial real estate owners have invested in green buildings in a massive way, in their portfolio of buildings. We see governments across the country have federal government, provincial governments, local governments using LEED and other standards that we that we provide for their own buildings. So but the private sector mezzanine is really important. And this whole aspect of and I'm sure you've been following that is around sustainable finance, that all of a sudden, not all of a sudden, but companies across North America and abroad have realized that climate is a risk. And that if it's left unchecked, it will actually detrimental to their business. And they have started to shift their investment patterns into into the direction that mitigates carbon emissions, but also investments into resiliency, building up the resiliency of the building stock of the building stock. So you see a real shift that's happening now on a financial side as well. And that's very much business driven. So those two really have to come together. Because if business beliefs, and I see it happen, our business believes that climate risk is real, which they do. And they believe that they can actually get a return on the investment by investing in climate solutions, then this can move actually fought their way quickly, supported by good policy and good regulation, to raise the whole ship.   Dan Seguin  17:55 For this question, Thomas, could you share with our listeners examples of how does your council make inroads towards reducing the environmental impact of the build environment.   Thomas Mueller  18:09 So we as the council for just so everybody understands that. So we, we continue to be an environmental organization. But we very much industry led, so our board and our members represent a cross section of the of the green building or the building industry, from designers, to owners, to manufacturers, to investors, to developers, and so on. And that's by design. Because we need all the different professional, the different expertise and knowledge to different sectors and sub sectors at the table. What we do is and how we started off, and what we still do is we actually set advanced standards for buildings. So LEED is an example of that. That another one is the zero carbon standard that we launched, our over three years ago, we set advanced standards for buildings that go well beyond the building code. And these standards are set in a way with the industry. So we working with the leaders in the industry, the set of standards, because we want to have standards that work in industry. And that work well in industry. So the industry feels they can build those buildings to that level, they can invest on those buildings, and it's actually possible, but there is depending on how far you want to go. There's considerable amount of stretching there. So it's not being you're not satisfied with the status quo. So one way is we setting standards and then we also those those building owners and developers that use our standards, we actually certify these projects, so we make sure that the meeting of standards, so we have a verification, quality assurance process to make sure it's being met and depending on what they achieve. We recognize them publicly for that achievement. In Canada After the US, Canada is the largest use of LEED in the world. LEED exists nine in 200 countries, Canada was the first adopter of LEED. We're currently about 1.5 billion square feet in our LEED program alone, across the country coast to coast to coast. Any climate, any billing time, you can imagine in our program, we have certified close to 5000 of those buildings now. setting a new standard for buildings, but in a holistic way. So energy, carbon water waste, sites, how we treat the site habitat. And then also, of course, as we talked about human health and transportation as well. So this is one way and then Mr. Pointing is that this standard through education, we are credit professionals. We organize events, like our national conference every year, and also very specific industry events. And then we also convene leaders in the industry. And we do a considerable amount of effort activity, advocating with all levels of government, and also with the private sector as well, all with the focus to moving the needle forward. So it's really it's a we have a very comprehensive approach on how to move the industry forward and education in that we trained professionals. But we also have the workforce development, as I mentioned before, that we need to train, from the trades to the architects in sufficient numbers, so we can deliver green building at scale. Scale matters a great deal.   Dan Seguin  21:40 Okay, you've alluded to this a little earlier, with buildings generating almost 30% of Canada's GHG emissions. When construction materials, processes and operations are considered. Why are green buildings an actionable solution for helping Canada meet its global change commitments.   Thomas Mueller  22:01 Going back to what I said earlier, no initiative focuses very much on transportation. And I'm all for transit systems. I take transit every day, and I never drive to work. And so and obviously, the large emitters need also be targeted. But the fact is that we cannot reach our climate change goals without addressing the building sector is not just in Canada, I think it's recognized globally, particularly over the last five years, did buildings play a huge role in not just new buildings, again, we can build our way out of the climate crisis, we need to actually really focus on retrofit, and that includes a large building retrofit. So it counts as a substantial program around large building retrofits of those buildings, over 25,000 square feet, that they need to be retrofitted at scale in the 1000s. Actually, and that's actually miracle other jurisdictions, if you go into in the European Union, they dedicate is something like a thing was 230 billion euros to retrofitting buildings across the member states. So it's called as part of the new green deal that they have in, in Europe. And that's significant. So it just shows you that without the building sector, we will not achieve our climate change goals. It's impossible. So there's a realization now there is now investment in terms of policy and grant and funding programs and regulations. But we still have a half a ways to go. Because in Canada, we have like last time, we have about 250,000 buildings, and millions of millions and millions of homes that need to operate a lot better than they are right now.   Dan Seguin  23:49 Now, Thomas wondering if you can expand on these next questions. Can green buildings become an economic driver? Can green buildings stimulate growth in the green building sector? And lastly, how can a green recovery that prioritizes green buildings accelerate the post COVID-19 economic rebound?   Thomas Mueller  24:17 It's all great. Good questions. Very good questions that I can answer. And I have actually some figures for you because we did just that we actually did a last year, we released a green building report that we did it was for the second time and it's called the Canada's green building engine. And it talks about the critical decade ahead leading up to 2013. But it also talks about the economic recovery. Just to give you a sense then is that in 2014 we had close to 300,000 full time employees in the green building industry. So these were individuals that worked on green buildings in Canada in the two years and four years after that, so by 2018, this has had increased by 55%. And it was with very little, just a bit of government intervention. So 55, those numbers of jobs actually exceed the jobs that you have in forestry and logging in oil and gas mining, and some of the support activities to support the oil and gas industry. Because they had by 2018, to about 260 to 263,000 jobs, versus the 460,000 shops in the green building industry, I just wanted to point it out, because people always get the the idea that these are this is one of our biggest employers, when in fact, the green buildings team employs a lot of people. Now, we estimated that if we continue with business as usual, by 2030, so without intervention, you just, you know, leave it by own devices. The by 2030, will have about 940,000, direct green building jobs, and close to 95 billion indirect GDP from green for green building industry. And we will eliminate 22.5 million tonnes of co2 in Canada. If the government were to invest in we have seen some of the investment this can be aggregated up quite significantly. If the government were to invest significant amount of money, which we're seeing now, these green building jobs grew up to about 1.41 million jobs. And the carbon reduction could more than double close tomorrow, just about 50 million tons. Now, that's significant in terms of just economic growth. And what plays into that is also that you create not just jobs, but he also creates skilled jobs. And he also jobs as an opportunity to skill chops, across the board in particular trades can kind of go spilling industries actually using a jobs even before a pandemic to the retirement. And this is real opportunity to bring new people into the industry, young professionals in the industry in skilled jobs. Because constructing and building low carbon fuel carbon buildings requires an enhanced skill set we currently don't have across the board. It also provides an opportunity to be more inclusive, and more diverse now workforce bring parts of our society into this workforce that currently does not participate in active way. Women construction industry is notorious for not having broad employment of women or underrepresented communities. So it's a real opportunity. But it's really opportunity to grow the economy because I think, post pandemic, I think it would be unfortunate that we go back to the business as usual. I think it's a real opportunity to pivot and to be ambitious and say, What is the Canada that we actually want? What do we want our buildings what we want our neighborhoods? What What, what do we want our cities to look like in terms of carbon in terms of livability, in terms of environmental footprint terms of our economy, and this is the real opportunity for government to invest because we know now that when money is needed, it can be made available to invest in something we have learned from a pandemic, when there's the climate crisis, if you and I'm you know, I'm an optimist, but you often hear the climate crisis, it will be way worse than anything that happened on the COVID-19. And the likelihood is very high, that that will be the case. But we have an opportunity to change course. And if we change because we have to do it now. We can't wait another 10 years, if we don't get to our 2030 goals, we certainly will not get to our 2015 goals. So we really have to have all hands on deck and move that keep the move the needle forward and I think, in the course of that grew our economy and develop new jobs, that drops and low carbon economy. Now,   Dan Seguin  29:33 let's bring out your crystal ball and set the dial to 2030. And the question is as follows. How much difference will building be making to our progress to net zero goals?   Thomas Mueller  29:49 Well, I think that if I look to 2030, what would I want to have accomplished? I would think by 2030 I would want all new buildings over a certain size, they say 25,000 square feet to build zero carbon performance, we can already do that now, we already have 25 buildings in Canada that are zero carbon certified and another 50 plus in the pipeline. So we really can do that now. So that's one. The other one is I would want a large building retrofit. at scale, we estimated and don't say that that's a prime number. And you know, we talk to economists, and everybody has their own numbers, but they're all relatively close. But you have to look at it that over the next 10 years, we probably have to retrofit anywhere between 50 and 60,000 buildings, over 25,000 square feet to be 20 to 40% more carbon efficient after the retrofit than now. So that's a big number. It's, it's a big number, but it's not insurmountable. And then the third one is where we'd really like to see is have to work for us build up have a more diverse and more workers in the building industry, that is more representative of Canada. And, and I think that would be really something really a very desirable goal. And also to expand buildings, not just to the Green buildings is a little bit the perception, and I think it's not deserved, but it's mainly into urban centers, and so on. I think, with the announcement of the primary federal government also present small and under underserved communities, I would like to see green buildings all over the country, I like to see green buildings in neighborhoods that are considered to be on the low income side. Because I think my in my books, I think the people that are the least able financially, should actually have the greenest buildings, they should be demands, the buildings are the healthiest. And they should have buildings that cost less to operate or to rent or to live in than any other demographic in Canada. So I think that you're expanding that concept. And you know what, the already plenty of affordable housing projects that have been built to LEED. They've been schools and built to zero carbon. It's not like that. But I think it's goes back to scale. So in 10 years from now, I think I would just like green buildings everywhere, not just in a big urban regions in Canada, but everywhere. And this is really the challenge. And then it becomes not just, oh, it's a green building something different. It's just becomes a part of fabric of our lives that yes, you know, we have high expectations from our buildings, when it comes to environmental and health performance.   Dan Seguin  32:58 Interesting. Now, let's keep on looking into the future here. What are some of the emerging technologies, innovations that hold much promise for the future of energy efficient, and net zero homes? What's exciting new right now about this industry?   Thomas Mueller  33:18 What is excited me about my the industry is that there continues to be a movement for it, because the building sector is always considered to be very traditional and slow moving. But it's actually the green building sector that is moving forward very, very quickly, with big companies being at the table making decisions around the quality, and just the scale of what they want to do with their buildings that they own or control. So I think very excited about that, and just the technology innovation, in terms of new technology. I think that overall, for carbon emission reduction, we do see a lot of technology coming up now around, you know, that are connected to electrification of buildings, the buildings need to be electrified. And that within that context, you'll see you know, more highly insulated buildings. You see a buildings that either have at least part of the renewable energy on site. But also in Canada, we have the advantage to take advantage of our green electricity in many parts of the country. And in that regard, you know, heat pumps often come you know, to the forefront is a technology that is having its day now and in the future. Of course, it's still more expensive than traditional way of heating and cooling buildings. But there's that opportunity and I'm also a big fan of geothermal. Generally to exchange system, your thermal systems as a way to maybe not on a single family home, but on community development. So I think the district aspect of what we're doing, I think is really important to that, how we look into that because there's all despite the pandemic there's a lot of building going on in Canada and the big projects that are being planned in you know, in Ottawa, you have Zibi, you have the, the National Capital Commission is developing this piece of land law pipe in France, where they're very ambitious targets in Toronto and Mississauga and all over the country depicted here in Vancouver, we have big developments going in south of the Broad Street Bridge. One on native land, indigenous land, the very ambitious and how they think about what these communities could be and housing 1000s and 1000s of people. So, these are district systems, I think we need to, it's good to think about building by building, but we also need to think about what neighborhood and community scale and how do you transform entire communities to be low carbon performance, right. And so district systems definitely come into play here and district system that of course are on renewable energy, or connected to a clean energy, clean energy grid, and BC 95%, carbon free, Ontario as a cleaner Quebec, and Alberta has plans to, to get off, you know, coal based electricity. So it's all going in the right direction,   Dan Seguin  36:37 Acting as a voice of the green building industry, your organization has been advocating for green building policy with all levels of government and the private sector across Canada. Have your efforts impacted green building standards?   Thomas Mueller  36:53 Yes, it absolutely has. Because when, when we did the rating systems in Canada, they be using a voluntary, so they're not they're not in code, per se. They're done by the owners voluntarily, in our rating systems reference best available standards. So they're not just, you know, written the base of a napkin, this is a very solid, very credible, based on very credible standards. But the way they often many instances, go beyond the code. And what that does is in the past, I mean, continue to do that with a zero carbon buildings, it actually shows those that are in charge of developing the code, that these buildings can be built now at a reasonable cost. And that's very important, because in bringing it down to reasonable cost is necessary so that the code officials can say, you know, we can take that step now. Because everybody in the industry can do it now at a reasonable costs, because the no power is available, the products are available, technology is available. So they can probably and we have been told that in the past, they were able to take the code further, based on the voluntary action that the industry has taken that we could have done otherwise. And that's a really important role for the counselor as well to continue to push the envelope to push it forward to what's doable. And we've been very successful at that over the last since 2004. And so that's a very important role. But the regulations at the same time, also have become more ambitious. So we look for ticket cities like city of Toronto, City of Vancouver, they are probably more ambitious codes on what they would like how to like regulate new buildings. And now they are also particularly have started to also look at existing buildings. And the federal government is planning also to develop a retrofit code, which will be the first of its kind in Canada to really start addressing building retrofit. So again, through our work, we hope to continue to inform codes and what's possible from a kind of a market perspective. And then also what's possible from from a technical and technology perspective as well. So we see that as our role, we are kind of your breaking new paths when it comes to buildings. And we have members and stakeholders that are very committed to this idea to this mission, and to use their skills to make that happen. So that's one of the core roles that we have and we kind of quantify that then through our own standards. They make sure it's done right. And and it's it's it's measurable and you can report out on it. Let's try As parents, it's very important to us. Now,   Dan Seguin  40:03 let's deep dive, and maybe even explore some of the key market trends and drivers that are enabling and accelerating Canada's shift to high efficiency, zero emission buildings, and how could these impact Canada's green building industry.   Thomas Mueller  40:23 Now, the big shifts are clearly the recognition of climate risk by the private sector, which is also addressed in what they call ESG - environmental, social and governance frameworks. And also expressed as we talked earlier, about sustainable investment, sustainable finance. You know, Mark Carney is one of the big players in this globally when it comes to financial disclosures, addressing climate risk, but also sustainable finance. So this is a big trend, that means the private sector stepping up and coming to the table, investing in things that actually mitigate carbon or eliminate carbon or reduce climate risk altogether. The second one is, of course, that the policy around carbon, we heard a couple of weeks ago that our targets are moving up now to more 40-45% by 2030, being consistent with the United States, and being consistent with the global emergence of what the current target should be. And you know, timing matters, right? It's climate change. But in Canada, and particularly North accelerating faster than we thought. So acceleration requires more focused and more targeted action. The third piece of that is, of course, a carbon pricing. carbon pricing, as it leaves it up to the business sector, and everyone else to decide how they want to reduce the carbon is a very effective mechanism to achieve corporate action across the economy. It's even though the carbon price of $50 it's a step in the right direction, but we need to actually be moving up $150-$170, or potentially even higher over the next 1015 years, is a, it's a very important aspect of driving the economy forward when it comes to carbon reduction. Because let's face it, there is a price on carbon that we already paying, in terms of infrastructure, in terms of human health, there's all kinds of impacts, and there needs to be a price on carbon to achieve that reduction. So it's the sustainable finance. It's the policy, it's the the price on carbon. And, and then the other one, the big market trends to that claim to carbon, how we started off our conversation today is this balance with health and wellness, health and wellness has risen very much to the top. And Canadians, like most people will care about the health and well being may very well be a high quality of life in Canada. And they care about health and well being and I think the green building agenda, the green buildings can actually help to enhance the health and well being of Canadians. By meeting the environmental aspects of the that that lie before us. Now, when it comes to in mind, we always focus on carbon, but there's so many biodiversity there is, you know, air pollution, there is water pollution, there is toxic substances in the environment. I mean, the list goes on and on.   Dan Seguin  43:55 I'd like to visit or let's say revisit, what is the role of certifications and building codes? And do you feel they've raised the bar on energy efficiency, renewable energy, and sustainability practices?   Thomas Mueller  44:12 Oh, Green Building Standards certainly have done that they have raised that considerably. And it's really up to the project owner to the developer to decide how far they want to go. But we have raised considerably the codes now doing that as well. A probably one of the best examples being used right off now is the BC step code, where they actually give some predictability in British Columbia, when the codes requirement will increase so the steps one to five currently, it's step one, and then insert meeting goal step two and sign up so that the industry has a good line of sight what the expectations are with regards to increasing the the building performance, environmental performance, and so on. So I think that's a really good tool. And generally, the code, particularly the local level getting more ambitious for those municipalities that can actually go beyond the provincial code. And federally, like I said, the codes are moving towards near net zero. And also there's also be a retrofit code. So there's movement there, they the the international code is always a bit challenging because it can be developed naturally with together with the provinces, but then the provinces still have to adopt it. And that sometimes can take time. In some ways can take years, provinces can make modifications to the code. So if I can give one message with the code, the codes are moving up and being more ambitious. But at the same time, I think the pace of adoption means a great deal. Because the code is on a five year cycle. It takes you five years to update the code. And then you put it into the industry and the provinces have to adopt it, you can lose a lot of time, till actually the first building is built to the code so that the code development cycle and the implementation cycle, the adoption cycle has to speed up. Because it can be like sometimes can be a decade before the first building is built to a new code. And we don't have that time. And I think it's 2030. So I think that's something that really needs to speed up across the country.   Dan Seguin  46:37 Okay, let's have a bit of fun here. Thomas. How about you close us off with some rapid fire questions? Okay, here's the first one What is your favorite word?   Thomas Mueller  46:50 responsibility   Dan Seguin  46:52 What is one thing you can't live without?   Thomas Mueller  46:58 trees   Dan Seguin  46:59 Okay, that's cool. Okay. What is something that challenges you?   Thomas Mueller  47:05 status quo   Dan Seguin  47:07 Now, if you could have one superpower, what would it be?   Thomas Mueller  47:12 I would restore ecosystems globally.   Dan Seguin  47:18 Great response here. If you could turn back time and talk to your 18 year old self? What would you tell him, Thomas?   Thomas Mueller  47:29 I would tell him that it probably comes easier that he would tell him to be non conforming. And that you can actually create a different future.   Dan Seguin  47:39 And lastly, what do you currently find most interesting in your sector?   Thomas Mueller  47:44 I find it interesting that the billing industry tends to be viewed as a traditional. But there's a whole segment and a growing segment of the industry that's driving innovation now. So I think that's a big shift in an industry that's been changed very, very passively change very, very slowly.   Dan Seguin  48:07 Thomas, I hope you had fun. I had a blast. I'm sure our listeners will truly enjoy this interview. Cheers. Thank you. Thank you for joining us today. I truly hope you enjoyed this episode of The think energy podcast, and for past episodes, make sure you visit our website hydroottawa.com/podcast. Lastly, if you found value in this podcast, be sure to subscribe. Anyway, this podcast is a wrap. Cheers, everyone.

Hello everyone and welcome back to the Top Ranked Criminal Justice (CJEvolution) Podcast. Top ranked because of YOU, the listener and supporter. I am very grateful and appreciative for each of you. If you are a new listener, welcome. We know you will love the show and content. If you are a long-time listener, welcome back. Please give us a 5-Star Rating on Apple Podcasts. A big shout out and THANK YOU to all the brave men and women who work and serve in the Criminal Justice Field. Remember you are HONORED, CHERISHED and YOU ARE LOVED. Keep up the great work and be safe. If you are looking for technology that can help keep your troops safer, look no further than Detectachem. This hand held technology is a MUST-HAVE for your organization. Detecting illicit drugs, explosives and NOW COVID-19. Check out their link at www.cjevolution.com   This is powerful show that will keep you on the edge of your seat. My friend, Victor Avila is back on the show. He is a former ICE Special Agent and is the Author of his new book, Agent Under Fire: A Murder and Manifesto. “Former ICE Special Agent Victor Avila’s story of survival and courage is a harrowing must read. His dedication to obtaining justice for his partner, Jaime Zapata, who was murdered just inches away while on assignment in Mexico, is honorable and a reflection of his character. The government coverup of what happened and their retaliation against him for telling the truth is unforgivable. You won’t be able to put this book down.” Agent Under Fire: A Murder and a Manifesto is a true story of unprecedented corruption, international intrigue, human trafficking, money laundering, drug-running, mass murders, and government evasion. Chalk full of page-turning stories and revelatory insights into Mexico’s criminal underworld, this book moves beyond the everyday true crime memoir and delves into the larger question of what it means for a family man to put his life on the line every day to topple some of the cruelest criminal organizations known to mankind. The book also serves as a manifesto, exploring solutions to misguided immigration policies and offering a unique perspective on what it will take to control our southern border and protect vulnerable American families.   You can find Victor and his book here:   www.agentunderfirebook.com   Stay tuned for more great episodes on The Criminal Justice Evolution Podcast   www.cjevolution.com   Patrick

Europe's response to Covid-19 and the pandemic's impact on the EU trade agenda. Moderator: Rem Korteweg, Senior Research Fellow, Clingendael Institute Panellists: Elvire Fabry, Senior Research Fellow, Jacques Delors Institute Ignacio Garcia Bercero, Director, Directorate General for Trade of the European Commission; European Union Visiting Fellow, Oxford University This podcast episode was recorded on June 9 2020. Even before the pandemic struck, the rules-based system was threatened by rising nationalism and creeping trade protectionism. Now COVID-19 has prompted a global recession and a slump in trade as global value chains adjust. All this is happening with the World Trade Organisation in crisis and international coordination bedevilled by US-China competition. In this podcast, moderator Rem Korteweg of the Clingendael Institute is joined by Elvire Fabry of the Jacques Delors Institute and Ignacio Garcia-Bercero of the European Commission and Oxford University. Listen as they discuss Europe's response to the multi-faceted COVID-19 crisis and its impact on the European Union's trade agenda. With the US and China at loggerheads, will the EU step up to champion the multilateral order? Or will economic and political pressures lead to a more protectionist approach from Brussels? And will the trade agenda that emerges from this crisis prove compatible with the EU's ambitious sustainability goals? __________ The views and opinions expressed in this podcast series are those of the speakers and do not necessarily reflect the official policy or position of American International Group, Inc. or its subsidiaries or affiliates (“AIG”). Any content provided by our speakers are of their opinion and are not intended to malign any religion, ethnic group, club, organization, company, individual or anyone or anything. AIG makes no representations as to accuracy, completeness, correctness, or validity of any information provided during this podcast series and will not be liable for any errors, omissions, or delays in this information or any losses injuries, or damages arising from its use.

Fake News, 2 stories are real, 1 is a fake Pretty impressive resume for this 105 year old woman: she has beaten The #SpanishFlu, Two #WorldWars and Now #Covid; she says her longevity is all do to prayer and 9 gin soaked raisins for breakfast every day #FAU's Caleb Pendelton may have had the greatest start to a collegiate baseball career in history...his first two at-bats: 2 Grand Slams in the same inning A man in #India accidentally had his testicles removed in a medical mix-up (he went in for a routine hernia surgery) lost his case against the hospital because it was determined that he was an adulterer.

It's been a crazy year, and NOW COVID-19 potentially can shut down the season. On top of this, schedules have been affected (ours included), so the Bros have decided to skip week 3 and jump to all of the excitement Week 4 offered! Join Connor and Bayley as they run through all of the weird, wild, wacky, and some other "W" word-ness that was Week 4! Join the crew tomorrow, as well, as they recap the Monday night matchups! Thank you for checking out the Same Old Football Show's episode for October 5, 2020. If you like what you're hearing, be sure to rate and review this podcast. If you really like what you're hearing, spread the word! Let the Average Bros know what you want discussed. Have a great idea? Send it to sameoldfootballshow@gmail.com Check out today's sponsor: Anchor. Anchor is the easiest way to make a podcast. Download the Anchor app today to make your very own podcast. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/sameoldfootballshow/message

With limited or no savings, workers in the informal sector have worn the worst impact of the pandemic. Now COVID-19 has changed the nature of work. In this episode, Mint journalist @pretikakhanna speaks to Paromita Sen, research manager at SEWA Bharat on the state of livelihoods in the informal sector in the country.

September 16, 2020 Welcome and thanks for Joining in and remember to find us at thelupshas.com or FB / IG or Youtube @thelupshas Hormones here we come with Functional Medicine Practitioner Dr. Lorraine Maita Dr. Maita is a recognized and award-winning holistic, functional integrative and anti-aging physician and author. She transforms people's lives by getting to the root cause of illness using the best of science and nature. Dr. Maita served as Chief Medical Office and Medical Director for 3 Fortune 100 companies and was an Advisory Team Member for WOR radio Change Your Attitude Change Your Life on the #1 new/talk radio station in the New York Metropolitan area, She is the founder of the Vibrance for Life Wellness Institute and has a private practice in NJ. Dr. Maita got into Functional Medicine out of Necessity. After 9 month of being on antibiotics, she didn't feel like herself anymore and found herself needing help. She took herself on a journey and began healing herself with an elimination and detoxification diet. Over the years, she has dealt with so many different concerns for her clients, but has also help through the pandemics of AIDS, SARS, Avian Flu as well as Bioterrorism and Now COVID-19. She has worked for top companies working at the forefront of medicine putting together wellness programs at Pfizer, Prudential and Johnson & Johnson. Her ultimate goal was to help people through prevention. In the beginning top executive women would come to her, begging for help as they were experiencing symptoms of perimenopause. And at Pfizer, men sought her out wanting Viagra. She became known as the “Hormone Guru”. Dr. Maita truly began giving people their life back. Dr. Maita shares that there are 3 kinds of Estrogen and the Estrogen in Menopause can be very inflammatory. When assessing patients I take a 3D look: She tests the blood, the Urine and the Saliva. Ultimately estrogen is the hormone for Energy and Growth. But when it is not balanced out by Progesterone, women can develop symptoms such as anxiety, irritability, impatience, insomnia, weight gain, bleeding, spotting, fibroids as well as painful cysts. It is really as easy fix. First, she states, we need to decrease the Estrogen in the body by first decreasing the chemicals they are exposed to that act like Estrogen. Next look at possibly adding Progesterone if needed and life can be beautiful again. And of course regular follow ups are necessary. For most people starting off just looking at lifestyle changes and a detoxification diet, to calm the immune system in key. We all have about 200 chemicals in our bodies everyday. So to begin: Start with clean filtered water, organic foods, and eliminate the chemicals in your personal care and household. Toxins disrupt the immune system, hormone system and nervous system. Therefore it is critical to eat pure and eliminate inflammatory foods. Inflammation is the root case of illness. For Men: The number one questions asked to her is, “How do I get my Testosterone levels up?” Dr. Maita, states a simple solution is to eliminate stress in your life, as stress increases cortisone which decreases testosterone. Build in some weight and resistance training into the workout regime and add zinc. When testing for Testosterone, they need to be specific. Depending on how it is metabolized, it can turn into Estrogen in the body for some individuals. So for the #1 tip: Food First To contact Dr. Lorraine Maita go to https://www.howtoliveyounger.com For our listeners, she is providing a FREE download to change your life from Miserable to Magnificent. To get the download to go https://www.howtoliveyounger.com/magnificent Stay in touch with the Lupshas at https://thelupshas.com or at thelupshas for FB, IG or Youtube

Dating was already hard enough before COVID. Now COVID is staying around for a while, does that mean dating has come to a halt? Join us as we discuss creative ways to date during these crazy times

San Diego rents are falling for the first time since the Great Recession.The average rent throughout the region was about $1,850 between April and June.That's less than a percentage point decrease over the previous quarter, but the downward trend is notable.Rents in San Diego have been on a seemingly unstoppable upward climb in recent years.Now COVID-19 has, at least for now, changed that.

Médecins Sans Frontières (MSF) reports that the coronavirus has taken a hold upon Yemen saying "Unfortunately, it is no longer anything but obvious that the virus is circulating widely across the whole of Yemen". "Five years of fighting had caused Yemen's healthcare system to collapse in large parts... Now COVID-19 has made that collapse complete, with many hospitals closing for fear of the virus", according to Claire  HaDuong, MSF Head of Mission in Yemen. In a clip from the latest episode of NEWS TALK with Brandon & Bob, Bob gives the COVID update on Yemen and the country is essentially collapsing further into poverty and chaos. The fatality of COVID-19 in Yemen is elevated due to the poor conditions in the struggling nation, malnutrition and lack of resources are just two of the contributors Bob breaks down.

After being named chief executive officer of Hilton Worldwide shortly before the 2008 financial crisis, Christopher J. Nassetta guided the hospitality company through tough times. Now Covid-19 will test the resilience of the turnaround. He speaks with Bloomberg Businessweek anchors Carol Massar and Jason Kelly in the latest edition of Businessweek Talks. Producer: Doni Holloway. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com

For years public health suffered as clinical health flourished because clinical medicine is much easier to marketize, privatize and monetize. Now COVID is demanding a public health response through auditing the social construction of health, disease, economics, rural-urban life, and human relations; basically the kind of stuff that can't privatize, commoditize or privatize easily. A conversation between Madina Wa Chege and Darius Okolla.

A Classmate, Kobe Bryant, the Saugus High School shooting - Now COVID-19 This episode is preceded by a quick conversation with Kiersten and Stacy amid the current COVID-19 crisis. Many topics in the episode were the precursors before the pandemic hit but the words of our special guest Jessica Ritchie are words of wisdom that could benefit many of our listeners today. Please be safe, be healthy and know you are not alone. We are with you. With death comes grief but how do you help your teen through it? How do you deal with it? Scarlett and Connor bring an honest and empathetic look at how today's run of tragedies affect our youth. This episode touches on a heavy topic but one that is present in the teen world. With the increase in school shootings and news of unexpected deaths in the media, many parents wonder how to talk to kids about the subject of death and how to handle the feelings of confusion that arise.   We have special guest Jessica Ritchie, an inpatient social worker and therapist from Blythedale Children's Hospital, joining us to share her wisdom and insight in how to cope with the difficulties that arise with death and grief.   Resources:   National Alliance for Grieving Children https://childrengrieve.org   Voicing my Choices - advanced directive packets for kids, teens, and adults www.fivewishes.org   Crisis Text Line - 741741 - from anywhere in the US https://www.crisistextline.org   The Dougy Center - National Center for Grieving Children and Families https://www.dougy.org/   Camp Erin - largest national bereavement program for youth (ages 6-17) grieving the death of a significant person https://elunanetwork.org/camps-programs/camp-erin    National Suicide Prevention Lifeline 1-800-273-8255 https://suicidepreventionlifeline.org/   Substance Abuse and Mental Health Services Administration https://www.samhsa.gov/find-help/national-helpline   Lastly, there is a FABULOUS book by Atul Gawande (surgeon, writer, public health researcher) called “Being Mortal”