Podcasts about performa

Dalam episode ini, para pembicara membahas berbagai game yang diumumkan dalam Nintendo Direct, termasuk game-game yang menarik perhatian seperti Rhythm Heaven, Tomodachi Life, dan AI Somnium Files. Mereka juga menganalisis game-game populer seperti Metroid dan Pokémon, serta membahas harapan mereka untuk game mendatang. Dalam episode ini, para pembicara membahas berbagai topik terkait game, termasuk remaster game klasik seperti Katamari dan Patapon, serta rilis terbaru yang dinantikan. Mereka juga membahas perbandingan antara Nintendo Switch 1 dan Switch 2, serta harapan dan kekecewaan terhadap game-game baru yang akan datang. Diskusi berlanjut ke inovasi dalam game gimmick dan bagaimana Nintendo berfokus pada hardware dan grafik di masa depan. Akhirnya, mereka menyentuh cerita dan timeline dalam game Zelda, menyoroti kompleksitas narasi yang ada. Dalam episode ini, para pembicara membahas berbagai topik terkait game, termasuk karakter Zelda dan Link, performa Nintendo Switch, serta eksklusivitas game yang akan datang. Mereka juga membahas evolusi desain Donkey Kong dan harapan untuk game mendatang. Diskusi ini memberikan wawasan tentang bagaimana Nintendo beradaptasi dengan perkembangan industri game dan harapan para penggemar.Timestamp00:00 Pembukaan dan Perkenalan Podcast01:42 Bahasan Nintendo Direct Pertama03:40 Game-Game yang Diumumkan di Nintendo Direct05:02 Diskusi tentang Game yang Menarik09:12 Rhythm Heaven dan Tomodachi Life12:27 Analisis Game Metroid dan Pokémon15:12 Witchbrook dan Story of Seasons18:11 AI Somnium Files dan Game Visual Novel24:41 Penutup dan Harapan untuk Game Mendatang26:53 Kembali ke Nostalgia: Remaster dan Reboot Game Klasik29:16 Membahas Game Niche dan Rilis Terbaru32:05 Perbandingan Switch 1 dan Switch 2: Apa yang Baru?36:04 Game Gimmick: Antara Inovasi dan Kekecewaan49:10 Masa Depan Nintendo: Fokus pada Hardware dan Grafik51:03 Cerita dan Timeline dalam Game Zelda52:47 Diskusi Tentang Zelda dan Karakter Link55:07 Performa dan Kemampuan Switch57:58 Game dan Remaster di Switch01:00:50 Eksklusivitas Game di Nintendo01:02:44 Persaingan Game dan Developer01:05:07 Donkey Kong dan Evolusi Desain01:09:26 Kesimpulan dan Harapan untuk Game Mendatang

Abrindo a 7ª temporada do PQP – Performa Q Pod – com um papo que é um marco na nossa história!Neste episódio, os três sócios da Performa_IT se reúnem pra contar tudo sobre o rebranding e o novo posicionamento estratégico da empresa. Sim, teve muita conversa sobre o impacto da Inteligência Artificial e, claro, teve visão de futuro.Com coragem, inovação e aquele olhar sistêmico que é a nossa cara, mostramos como estamos moldando hoje, o da tecnologia e dos negócios.

The Official WTA & ATP Tour Wrap for Week of 7 April, “My [Tennis] Black Book: Federer, Nadal, Serena, Djokovic” Weekly Update, “My [Tennis] Work Book” & Charleston to Monte Carlo Results, Performances and Ranking InsightsThis is episode 153 of ⁠⁠Beyond Top 10 Tennis⁠⁠ as we come LIVE to you from ⁠⁠AM8 International⁠⁠ with the latest Rankings & Results on the WTA and ATP tours with [NEW] insights shared. From ⁠⁠Top 10⁠⁠ Rankings to the Results of the past Week, Dr Berge reviews all ⁠⁠key⁠⁠ matches and ⁠⁠key⁠⁠ players from last week on the WTA tour: Charleston Open (SC, USA), Copa Colsanitas Zurich (Columbia), International Open (Spain) & Megasaray Open (Turkey); followed by this week's tournaments on the WTA tour (still in-action): BJK Cup — team previews; PLUS last week on the ATP tour: Clay Court Championship (TX, USA), Grand Prix Hassan II (Morocco) & Tirac Open (Romania); followed by this week's tournaments on the ATP tour (still in-action): Rolex Monte Carlo Masters (France).This week's episode discusses Dr Berge's NEW BOOK RELEASE: My [Tennis] Work Book to mark with WORK BOOK + BLACK BOOK data points with notes on Sakkari, Paul, Azarenka to Cerundulo and more.The Video for episode 153 is available on both Spotify & YouTube whilst remaining available wherever you enjoy listening. ⁠⁠Key⁠⁠ Players this week include: Pegula (W), Kenin (R/u), Osorio (W),  Kawa (R/u), Semenistaja (W), Galfi (R/u), Sierra (W), Romero Gormaz (R/u), Brooksby (W), Tiafoe (R/u), Darderi (W), Griekspoor (R/u), Cobolli (W) & Baez (R/u)– congratulations to all!To order Dr Berge's BRAND NEW RELEASE “My [Tennis] Work Book” (March, 2025), head here, or to order the December 2024 release of “My [Tennis] Black Book: Federer, Nadal, Serena, Djokovic” simply head ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For something different, head on over to Pink Octopus Books (.com) for Dr Berge's fictional release. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To get in touch with Dr Berge directly: @drb on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Topicthread⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (.com). You'll need to wait up to 24hrs for approval and also, to sign in twice sometimes (we promise it isn't broken). We get quite a bit of spam to bots and it's a simple trick up our sleeves to keep it cleaner and safer for all.To access our Blog, head to AM8International.com/blogTo interact with some random polls, head to Sprooke.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You can find Dr Berge here:Substack: @drbergeYouTube: @drberge_tennisInstagram: @drberge_tennisX: @drberge_tennisThank you so much for listening, please consider following us and/or rating us – that would be exceptionally awesome! Plus, any feedback would be absolutely wonderful and Dr Berge can look at including it in future episodes and/or blog posts.Thank you for listening, we appreciate your support immensely!Until next time,Enjoy!

Kultūros publikacijų spaudoje apžvalgaKaip kalba, kurią mes vartojame, veikia tam tikrus mūsų suvokimo dalykus?Pristatyta knyga „Eimuntas Nekrošius. Užrašai“. Be šio leidinio „Meno forto“ teatre taip pat galima aplankyti parodą „Eimunto Nekrošiaus spektaklių žemėlapiai“.Pasvalio krašto dainuojamoji tradicija atgimsta naujame leidinyje „Alutį gėrio, gražė dainavo“.Tęsiame pažintis su Metų knygos rinkimuose dalyvaujančiomis knygomis ir jų autoriais. Šiandien dėmesį skiriame Rūtos Kačkutės ir iliustratorių Eglės Rudžionytės-Meškėlienės bei Redos Tomingas knygai „Gintaro kelias: nuo Romos iki Baltijos“.Seimo Kultūros komitetas ir Pasaulio lietuvių bendruomenės komisijos posėdis, kuriame bus aptariami svarbūs nekilnojamojo kultūros paveldo užsienyje klausimai.150-ajam M. K. Čiurlionio jubiliejui Emiija Škarnulytė sukūrė naują kūrinį „Sofija“. Kuo Čiurlionis aktualus šiuolaikinei, visame pasaulyje kuriančiai menininkei?Lietuvos menininkai Lina Lapelyte bei „Pakui Hardware“ dalyvaus tarptautiniu mastu pripažintoje bienalėje „Performa 2025“.Minint 150-ąsiais M.K.Čiurlionio gimimo metines Kaunas kviečia susipažinti su nauju turistiniu maršrutu „Čiurlenantis Kaunas“.Ved. Marius Eidukonis

Pelaksana tugas harian Dirut Pertamina Patra Niaga, Mars Ega Legowo, menegaskan bahwa tidak ada perubahan mutu dan kualitas RON selama BBM didistribusikan ke masyarakat. Menurutnya, zat aditif yang ditambahkan ke BBM jenis RON 92 bertujuan untuk meningkatkan performa kendaraan, seperti mencegah karat dan meningkatkan akselerasi.

Bismillah,EVALUASI PERFORMA AMALAN KITAUstadz Muhammad Nuzul Dzikri -HafizhahumullahVideo pendek dari Kajian Rutin Serial Tadzkiratus Saami' Wal Mutakallim Fii Adabil 'Alim Wal Muta'alim202. KETAHUILAH 2 MACAM TAUBAT

Performa yang tak kunjung membaik dari Dortmund, membuat Nuri Sahin diujung tanduk. Bagaimana nasib Sahin saat ini? Apa keputusan tepat bagi Dortmund? Semua kita bahas di episode ini sekaligus membahas rumor Omar Marmoush ke City dan pertukaran Nkunku-Tel antara Bayern dan Chelsea

No episódio #79 do PQP Performa Q. Pod, nossa convidada especial é Dayse Paparoto, a primeira campeã do Masterchef Profissionais Brasil e uma das chefs mais admiradas do país. Com uma mistura perfeita de talento, resiliência e amor pela cozinha, Dayse compartilha sua receita para o sucesso no mundo da gastronomia.

A inovação tecnológica e a transformação digital estão redefinindo os padrões do setor farmacêutico. Empresas têm utilizado ferramentas como ERP, CRM e soluções em nuvem, além de práticas ágeis e estratégias de customer experience, para otimizar operações e melhorar a experiência dos clientes. Mas como essas tecnologias estão realmente impactando o mercado e proporcionando resultados concretos? No episódio #78 do PQP Performa Q. Pod, nossos hosts Leonardo Tristão e Zeh Negri recebem Fábio Hellu, CIO da Biofarm Química e Farmacêutica, que compartilha sua experiência de 24 anos liderando projetos de TI que conectam a tecnologia aos objetivos estratégicos do negócio. Especialista em traduzir a jornada de clientes, parceiros e fornecedores em soluções inovadoras, Fábio revela como a tecnologia tem sido um pilar essencial para garantir continuidade de negócios críticos, qualidade operacional e compliance no setor farmacêutico.https://www.linkedin.com/in/fabio-hellu/

A liderança é um dos pilares fundamentais para transformar setores e impulsionar empresas rumo ao sucesso. Neste papo, exploramos como essa força atua no setor elétrico brasileiro, integrando inovação tecnológica, eficiência operacional e a gestão de equipes de alta performance. No episódio #76 do PQP Performa Q. Pod, recebemos Fernando Bevilacqua, Diretor do Setor Elétrico da Eaton no Brasil. Com uma trajetória de mais de 24 anos, Fernando compartilha insights profundos sobre sua jornada, desde os primeiros passos como técnico até alcançar posições de destaque em uma das principais multinacionais do setor. Ele revela como liderança e inovação moldam o futuro de um mercado tão estratégico e desafiador. LinkedIn Fernando Bevilacqua

O bom humor vai muito além de diversão. É uma poderosa ferramenta para o desenvolvimento de soft skills – habilidades cada vez mais valorizadas em ambientes corporativos e pessoais.Mesmo com toda descontração, o tema é levado com extrema seriedade por diversos especialistas e estudiosos que destacam sua aplicação prática em áreas como liderança, gestão e desenvolvimento humano.

Conciliar a vida pessoal com a carreira é um dos desafios mais intensos que enfrentamos hoje, e encontrar esse equilíbrio é essencial para manter o bem-estar e a saúde mental.

Unlock the secrets to unbreakable mental resilience with insights from JP Bolwahnn, a former Navy SEAL turned life and fitness coach. Ever wondered how elite athletes and military professionals manage stress under pressure? This episode promises to transform your approach to stress management with three powerful strategies: crafting a game plan, mastering the art of breath control, and embracing discomfort to forge a resilient mindset. By adopting these techniques, you'll be equipped to convert stress into focused action and tackle life's challenges with unwavering confidence.Join JP as he shares personal stories of overcoming physical limits, including his journey of playing college football at 33. Discover how the same breath control techniques that helped him conquer the intense SEAL training pool competency test can shift you from panic to calm, even in the most high-pressure situations. Through structured routines and mental conditioning, learn how to respond with purpose amid chaos and prepare yourself to handle adversity with strength and determination. Whether you're an athlete, a professional, or just looking to enhance your mental toughness, this episode is packed with actionable insights to elevate your resilience.Start transformation here:https://www.skool.com/thehighlyeffectiveman/aboutSend us a text

Neste episódio, nossos hosts, Léo Tristão (CEO da Performa IT) e Samir Karam (COO), recebem Juliano Kimura, especialista em inovação digital e CEO da Trianon, para um papo que vai mudar sua forma de ver o futuro da internet.

18/10/24 - Performa 6300, iCloud, Tim Cook COO, Vazamento Mac M4, iPad Mini 7, iPhone dobrável, Apple perde valor, Apple e policiais, Intal e AMD, Golpe do GMail, Valor de revenda Smartphones, Malwares Google Play, https://www.doctorapple.com.br

No episódio #70 do PQP Performa Q.Pod, recebemos Nivaldo Camillo, CEO da Sicoob COCRE, para falar sobre como a liderança humanizada e a inovação tecnológica impulsionam o crescimento das cooperativas de crédito no Brasil. Nivaldo compartilhou sua trajetória no mercado financeiro, destacando como a combinação de uma liderança genuína com o uso de tecnologias avançadas tem transformado a Sicoob COCRE em um modelo de sucesso. Ele também abordou os desafios de manter a cultura cooperativista forte enquanto expande os serviços com ajuda da tecnologia. Um episódio essencial para quem busca entender o equilíbrio entre inovação e valores humanos!

Ormai da qualche settimana è disponibile il sistema o1 (anche noto come Strawberry) che OpenAI aveva annunciato da mesi. Ne abbiamo parlato di recente con Marco Becattini, mentre in questa puntata Maurizio Mambrin condivide con noi le sue impressioni da "utente esperto" come lui ama definirsi. Una puntata di approfondimento per palati fini.

Avec Jean-Francois Morin & Michael Faleschini Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Tue, 27 Aug 2024 13:15:00 GMT http://relay.fm/20macs/28 http://relay.fm/20macs/28 Stephen Hackett and Jason Snell Jason talks to Stephen about his recent deep dive into the world of the Macintosh Performa line, which was sold from 1992 to 1997. Over that time period years, nearly 50 models were sold wearing the name. Things got messy. Jason talks to Stephen about his recent deep dive into the world of the Macintosh Performa line, which was sold from 1992 to 1997. Over that time period years, nearly 50 models were sold wearing the name. Things got messy. clean 1636 Jason talks to Stephen about his recent deep dive into the world of the Macintosh Performa line, which was sold from 1992 to 1997. Over that time period years, nearly 50 models were sold wearing the name. Things got messy. Links and Show Notes: Performa Month – 512 Pixels Steve Jobs' Grid of Four – 512 Pixels Mac Performa Specs: EveryMac.com Performa Month: The 560 ‘Money Magazine Edition' – 512 Pixels The Performa at Sears 20 Macs #20: iMac G3 (#1) - Relay FM Macintosh LC - Wikipedia

Nella Diaconia Valdese è nato il nuovo servizio “Cosa possiamo fare? – Percorsi di Counseling di sostegno alla genitorialità".Nell'intervista di Sara Tourn di Riforma ne abbiamo parlato con Gianluca Palmieri, coordinatore di «PerForma», servizio che dal 2021 gestisce l'attività di counseling di Diaconia.Palmieri si è occupato per 17 anni delle comunità educative dell'Istituto Gould di Firenze, e delinea una situazione critica: «Ho notato negli ultimi anni un raddoppio di richieste di accesso ai servizi. Una buona parte dei soggetti che poi vengono coinvolti nei nostri servizi afferisce quindi all'ambulatorio per gli scompensi adolescenziali e presenta caratteristiche di grave psicopatologia (selfcutting, ansia da prestazione, dirompenza comportamentale, dipendenze di vario tipo, tentativi di suicidio) e i numeri continuano a crescere».

Uma linha que reforça a cada safra aumento significativo de produtividade em vários cultivos. E que precisa estar no planejamento dos produtores rurais do Brasil inteiro para a safra 2024 – 2025. O Papo de Prateleira conversa com Mariana Moreau, Agrônoma Sênior da Mosaic, durante a Coopercitrus Expo 2024, realizada em Bebedouro (SP). Ela fala sobre a importância da parceria com a cooperativa e todos os dados que comprovam a máxima eficiência dos produtos Performa nos resultados e na sustentabilidade da produção. Acompanhe! Mais informações: https://mosaicco.com.br/

Uma linha que reforça a cada safra aumento significativo de produtividade em vários cultivos. E que precisa estar no planejamento dos produtores rurais do Brasil inteiro para a safra 2024 – 2025. O Papo de Prateleira conversa com Mariana Moreau, Agrônoma Sênior da Mosaic, durante a Coopercitrus Expo 2024, realizada em Bebedouro (SP). Ela fala sobre a importância da parceria com a cooperativa e todos os dados que comprovam a máxima eficiência dos produtos Performa nos resultados e na sustentabilidade da produção. Acompanhe! Mais informações: https://mosaicco.com.br/

I'm not often left speechless when I'm interviewing guests, but for a few moments here I struggled to digest what Rebekah Kik was telling me about Kalamazoo. If you're a planner, you must listen to this episode. This is a truly inspirational effort in a city that doesn't get the limelight. For a city of about 75,000 people in a quiet corner of Michigan, the staff and community have done amazing work.The story is mostly about a planning effort called Imagine Kalamazoo, which sounds like every garden-variety planning effort everywhere. But, the way it came together and what it produced in short order is truly unique. Learn how a plan executed at a high level helped attract corporate funding on the back side that will help the day-to-day livability of the city.Along the way, we trace Rebekah's career from a small college in Michigan, Andrews University, to working as an architect and planner. She talks about how her drawing skills helped her survive the Great Recession, and how her tenacity is helping her home town get better.I've said before, and I'll stand by it, that the most innovative work in local governments happens in smaller cities and towns. Kalamazoo definitely rings the bell for that theory - accomplishing the kinds of successful efforts that we so rarely see in large cities. More to come on that at a future date.Find more content on The Messy City on Kevin's Substack page.Music notes: all songs by low standards, ca. 2010. Videos here. If you'd like a CD for low standards, message me and you can have one for only $5.Intro: “Why Be Friends”Outro: “Fairweather Friend”Episode Transcript:Kevin K (00:00.802) Welcome back to the Messy City Podcast. This is Kevin Klinkenberg. Sometimes you, over the course of your career, you get to know people and see them and see, watch their careers evolve along with yours. And if you're fortunate, you can see people, meet people when they're young and see them grow into all sorts of new positions and do interesting work. And today I'm fortunate to have a guest that's a little bit like that. We have... The assistant city manager for Kalamazoo, Michigan, Rebecca Kick here. Rebecca, how you doing? Rebekah Kik (00:39.082) I'm really well Kevin, thank you. Kevin K (00:41.666) I was just thinking earlier, I think I met you originally when you were a student at Andrews, is that right? Rebekah Kik (00:47.594) That's correct. We got to intersect our paths when I was on charrette with Professor Philip Bess. Kevin K (00:58.594) Yeah, yeah. So, and Phil, we've had Phil here on the show before. He'll probably do so again, I'm sure, especially now that he's in retirement and his schedule is going to open up a little bit more. But yeah, those were some fun days that seemed like about a million years ago. Rebekah Kik (01:17.194) It really was. Mostly because I used to just chase Philip at his heels. I knew he was doing cool things. I did. I just knew he was doing cool things and I wanted to know desperately what he was doing and I begged him to take me. where he was going. I told him I would do anything. I would fetch coffee. I would make copies. You know, get lunches. I would do whatever he needed me to do. I would be that gopher, that little sponge, because I knew he was hanging around with cool people and I wanted to learn and know and do. And I believe that charrette Kevin K (01:48.61) You Rebekah Kik (02:14.633) was in Grand Rapids, Michigan. And it was in the Hartside neighborhood. And that was the first time I had ever heard, I believe at that time, we were calling them traditional neighborhood codes or they weren't called form -based codes yet. They were regulating plans or something like that. They were much more technical still at that point. But they were... Kevin K (02:16.609) Yep. Yeah, that was all like early days stuff for new urbanism and coding and all that. So let's just go back to that a little bit, Rebecca. I just, I think it's interesting. So you went to a really small college in Michigan, Andrews University. Did you, did you like grow up in Michigan or how did you find Andrews? Rebekah Kik (02:45.834) Yes. Rebekah Kik (02:56.394) Mm -hmm. Rebekah Kik (03:02.058) Yes, I did. So I grew up in Kalamazoo, Michigan and I didn't know I wanted to be an architect. My mother was an administrative assistant in an architecture firm and I had my own desk at the firm. She would pick me up from school and I would sit at my desk and I was given different kinds of plans all the time that I would be finishing with different templates that I would draw and I would be picking out finishes and finish drawing, finish the plans. They would teach me how to add walls, tell me about wall thicknesses, things like that. They were building foam core models that, you know, maybe that model didn't meet the... client specs or whatever. So I would take the model home and I would finish it myself. I was doing architecture all the time and the architects at the time would just laugh at me because I'd be like, I can't be an architect. That's not a real job. And the whole time just loving everything that they were doing. And so finally, of course, here was graduating from high school and I told my mom's boss. Kevin K (04:13.826) Hehehehe Rebekah Kik (04:26.378) I was looking for an architecture school and that's when he said, where are you visiting? Where are you going? And I said, well, I just visited University of Michigan. Went to Lawrence Institute of Technology and he said, have you gone to Andrews University yet? And I said, no, you know, where's that at? And he goes, well, please do. You know, it's down in Bering Springs. And I... have to say I walked through the door I saw this nearly four foot tall and it was built completely out of wood and it was this craftsman, this quarter scale craftsman home. And the details were so beautiful and hanging behind it was this analytics. Rebekah Kik (05:29.418) It was hand drawn. It was ink rendered, you know, like the Chinese style ink, you know, Richard Akonomakis from the University of Notre Dame came and taught this third year course, this analytic course. And then in your fourth year, you built this model. I was captivated. That was it. It was this. moment and then I met with Lou Seibold and I walked around that it's a pole barn. Let's be honest, if you have not visited Andrews University, you look at the work on the walls and you can't peel your eyes away. But if you zoom out for a second, you will lose it because it is a pole barn and a series of trailers. But the work Kevin K (06:19.17) Hehehe Rebekah Kik (06:25.738) and the students and the heart and the community that is built at Andrews will suck you in and you will know. Kevin K (06:36.962) Yeah. Yeah. I had the pleasure to come speak at Andrew's one time and then do some critiques. And it's a really unique, it's a very small college. And it's a religious college or it's affiliated with the Seventh -day Adventist. And it's one of the few colleges in the country that for lots and lots of years has actually taught a more sort of traditional pre -war. Rebekah Kik (06:46.378) Mm -hmm. Kevin K (07:04.738) approach to architectural design and urban design. So, I mean, that all, when you're 18 years old, you don't really know or understand any of that stuff. But I mean, how do you think that shaped your educational experience? Rebekah Kik (07:18.922) my goodness. The first book that I was handed in my first year, first class, Timeless Way of Building. And that was it. It shaped everything. When you're handed a treatise like that, your whole life is set on this path. And you realize Kevin K (07:30.242) Hmm. Yeah. Rebekah Kik (07:48.33) that there's. There's a healing you can do in the work. that. Rebekah Kik (08:05.482) Yeah, there's a healing that you can do in your work and there's a harm that you can do in your work. And I chose the path of healing. And you realize that when you graduate, let me be clear, once you get out into that world and you, especially in your fifth year at Andrews, by your fifth year, you're doing sort of these professional practice classes. you are seeing, and finally with these eyes, you're at the, you know, the scales fall off and you're like, my God, you know, suburban sprawl. And you understand like what the built environment is. And you, you understand like what your responsibility to, you know, how you place your buildings and, that you have this moral responsibility, for what you're doing in. in the space and you now want to repair and you want to show others that you can repair. And I remember entering professional practice and driving every architecture firm that I then proceeded to work for insane. Kevin K (09:33.666) You Rebekah Kik (09:34.377) Because I catch, they'd be like, okay, in turn, you know, read the zoning rules, tell us where we can put the building. And I'd say, but these are wrong. We shouldn't put our building like this. And they go, Rebecca, come on, like, really, just tell us where does the building go? Like, tell us the building envelope, like, just do the sketch. And I'm like, but we can't do it like this. it shouldn't be this way. Like, look at the, look at across the street. Like, this isn't responsible. You have to go somewhere else. Kevin K (10:10.178) Yeah. Yeah, it does kind of ruin you for working in like a lot of typical architecture firms, especially like big shops. Rebekah Kik (10:21.386) It does. It does. And so you have to be, and this is what I tell architects who are graduating, like you, I'm so sorry, like you're ruined now. Like you have to be really, really careful about who you're going to work with and for, and where you're going to go because you are going to be frustrated and you're going to frustrate others. Kevin K (10:37.762) Yeah. Kevin K (10:44.098) Yeah. Well, I will tell you one thing I do remember from my visits to Andrew's is I was so jealous of the drawing ability of what I saw the students creating. And long after I had gone off and graduated from college and I would see the work that you all were producing and the work that students at Notre Dame was producing, I would just think, my God, these students are all going to get great jobs because look at this They can all draw and it's beautifully done. And it really, you know, it left me feeling like, okay, I better go find something else to do. Rebekah Kik (11:21.578) You know, I do say that kept me employed during the downturn. And it kept me flexibly employed. So I got laid off three times. And that was hard. And it allowed me to seriously surf those crazy waves. because I could draw. So I got employed by, this is how I learned planning by experience. Because I was never interested in planning school. I could never have just planned school. I just, I don't have the patience for it. But I was able to walk alongside of planners. Kevin K (12:07.778) Mm -hmm. Rebekah Kik (12:18.858) and transportation planners especially, and engineers. And I could help them express their vision. So when they were doing road diets, you know, I worked for Gladding Jackson in Orlando. And that was so much fun. My time with them, I spent six years with them after UDA. Because, and that's what I did. I was there, one of their lead illustrators on their transportation planning team. And that's how I got hired was because I could draw. And I did everything vertical because they could, they had great planners and they could do everything flat. And they needed someone to vision everything vertical and do all the infill when they were doing the sprawl repair, when they were doing highway teardowns. then I could come in, do the SketchUp model, and then vision everything vertical for them. Yeah. Kevin K (13:23.234) Interesting. So one thing I will say real quick is, I think I may have pushed you to move the mic a little too close. I'm getting a touch of static off of it. So there you go. That's fine. Test that there. Okay. Let's try that. don't worry, I can edit and cut things. That's not a big deal. So, well, I think about that and I think it's a great testimony to having an actual skill. Rebekah Kik (13:36.906) Okay. Rebekah Kik (13:43.274) Okay. Kevin K (13:53.058) You know, and you, you know, you and some of the others that came out of those schools had to have a real marketable skill, which was really learning how to draw beautifully by hand, which, you know, I think a lot of people think that that's just something you can either do or you can't do, but it actually is teachable. And, and so I've always been jealous of that. And I've observed something similar to what you talked about that the folks that I knew in the profession who had that ability to draw by hand. Rebekah Kik (13:53.738) Yes. Rebekah Kik (14:09.994) Yes. Kevin K (14:22.626) They have never lacked for work. They have always had people wanting to hire them. And of course, the better you are at it, the more work that you get. So it's even in our high tech age, that ability to just be able to sit down and draw beautifully by hand is incredibly valuable. Rebekah Kik (14:41.226) Yeah, it is. And I feel like even in my job now as city, when I, when I got hired by the city of Kalamazoo, even as city planner, just being able to sit down with whoever I'm talking to, when I can pull out a piece of paper and draw, it's like a universal communication. It just feels really good. I love it. Kevin K (15:12.546) Well, it's like a superpower. I mean, I've seen that, you know, so many, so many times even, you know, with fellow architects in other firms, like when I was a young person and I, there was a project manager I worked with when we did a lot of schools and he had a great ability to just like, we would meet with a client and all of a sudden he could just whip out a sheet of paper really quickly, three -dimensionally diagram what we were talking about and everybody got it. And it was just like, bam. Rebekah Kik (15:19.946) Yeah. Kevin K (15:41.538) I never really had that ability very well. So I probably appreciate that in other people. And then I've often like overpaid for it just because like, you know, I know how important those drawings are. So I always like to hire good, good renders and people who can really, really draw. So you talked about, you bounced around a little bit. You survived the meltdown, the economic meltdown in 2008, 2010. Rebekah Kik (16:04.298) Yeah. Kevin K (16:10.69) How did you end up back in Kalamazoo? Which I didn't know you grew up there. That's really cool. So you're working for a city government and a place you grew up. Rebekah Kik (16:16.618) Yeah. Yeah, so that's a little bit about how I ended up back here. So the last layoff in 2010, Gladding Jackson merged with AECOM. Kevin K (16:33.89) huh. Rebekah Kik (16:36.138) I was a tough one. I was a little too much for a lot of me and my Gliding Jackson colleagues kind of scattered after that one. And I ended up with a really great freelance contract after that one. I was doing a lot of fun on -call planning, transportation planning work in Southern Colorado. And lots of good things came out of that. But one good relationship that came out of it was a transportation planning relationship with Brad Strader out of LSL planning who was in Detroit at the time. And so I was coming back to Michigan. I had grandparent who passed away who was in Richland, Michigan, which is just outside of Kalamazoo and Me and my brother had actually inherited her home and My brother was gonna remain in Kentucky. He didn't want to move back home and I said well I had just had my son and just got married and we had our first child and I was like Those are the things that bring you home Kevin K (18:04.418) Sounds familiar. Rebekah Kik (18:05.61) Yep. So Xander was 10 months old and we moved back to Michigan and I started contracting with LSL planning and I started doing some charrette work with them in Kalamazoo and Lansing. And I was doing some traveling to Toledo and Detroit and doing some charrette work and things like that with them. It was fun. And so one of those projects was on Portage Street here in Kalamazoo. And we were doing some work and the city of Kalamazoo was like, what is this team? Like, what is this process that they're doing? We did all kinds of really cool exercises on this road diet that we were going to do on this four lane road. And they were like, whoa, this. She's a planner and architect and she talks like an engineer and we need a city planner. Let's take her out to lunch. She says she's from Kalamazoo. Does she know we need a city planner? So they did. They took me out to lunch and I told them, you know, gosh, I really love my work with LSL right now. you know, I kind of have a really cake job. They pay me really well and working on all these really fun projects. That's when the Q line was about to go into Detroit. I had already done some light rail in Vancouver and Minneapolis, and I really loved doing light rail projects. And... they started to tell me, we're about to start this new master plan for the city of Kalamazoo. Gosh, we haven't had a city planner in like a year. We really need somebody like you here. We really, you know, don't have a vision for transportation for the city. And I just thought, gosh, I was like, I'm not a planner, though, you guys. Like, I don't really, I don't really know if you would Rebekah Kik (20:30.346) like somebody like me here, they said, well, why don't you just interview? Would you just interview, just meet us? And so I said, OK, well, maybe I'll just interview. So I went back home and I talked to my husband about it. And I said, you know, maybe I'll just interview. Maybe. You know, I wouldn't be traveling so much and things like that. And Zana is still little, so maybe that's better, you know, that I'm just home more. So, you know, I interviewed, and then they asked me for a second interview. And they said, would you prepare a PowerPoint about how you would run a master plan process for us? Kevin K (21:24.898) You're like, well, yeah, I can do that. Rebekah Kik (21:26.73) And I thought, okay, sure, why not? I'll show you how I'd run your master plan process. So I put this Imagine Kalamazoo process together and I thought, okay, now we'll see if they really want to hire me. I'll blow them away, right? Like I'm just gonna do the kitchen sink it down. Let's see if they're up for this. And I did, I threw the kitchen sink at them. I was like, who is it? Kevin K (21:42.914) He he. Rebekah Kik (21:54.762) here's what you're gonna do. You're gonna have 70 person work group. You're gonna engage 5 ,000 people in your city and you are gonna, you're gonna go to where they are. You're not having these town hall meetings. You're gonna have youth development. You are going to, you know, because I did all this stuff in Colorado. I did these 26 like county meetings and I had them all build off of each other. I did like these really crazy engagement kind of things. And they lapped it up. Like they loved it so much. And they were like, yes, you know, you're hired. And that's like, my gosh, now I have to deliver. Kevin K (22:37.858) Hahaha Rebekah Kik (22:41.354) and I did, I delivered it. I became city planner. I ran the largest community engagement, the city has ever done. I engaged nearly 5 ,000 people through 75 ,000. Kevin K (23:01.086) my God. And how big is Kalamazoo? Jeez. So like, boy, about 15 % or so of the population. That's incredible. Rebekah Kik (23:08.554) Yes, and this is where the surreal meter just goes off the chart. It resulted in... several billionaires in our city creating a permanent $500 million endowment called the Foundation for Excellence for the City of Kalamazoo to permanently implement Imagine Kalamazoo forever. Kevin K (23:52.546) So, I mean, my jaw is dropping here. I'm sitting here trying to absorb this. So, all right. So first of all, I have to, so how does a town of 75 ,000 people have billionaires at all? Rebekah Kik (24:05.93) Striker, Pfizer, Zollettis. What else do we have? The Upjohn Pharmaceutical Company started here. Yeah, we have several medical manufacturing and pharmaceutical, like the... COVID vaccine ground zero is here. Yeah. So. That's how we have like the billionaires are here, but they saw that we were doing something drastically different with our community outreach. They saw that. Kevin K (25:03.042) So when, I mean, that's an enormous amount of money in any community to contribute to some sort of, what sorts of things did they think they wanted to immediately fund? Rebekah Kik (25:15.818) So they, the first thing they did was they made us economically competitive with all of the other municipalities around us and they lowered our tax villages to be even with everyone else around us. So that's one thing that they did was they stabilized all of our property taxes. So they actually Yes. Rebekah Kik (25:44.906) give the city seven million dollars a year so we had a level playing field for all of our. Secondly, the priorities within Imagine Kalamazoo are things like making sure that we have all of our sidewalk connections. We have all of our potholes filled. We have all of our core services are taken care of. All of our trees are trimmed. All of our lights are lit. All of our streets are swept. Like we have solid core services. Then all of our parks are moat. All of our football fields look amazing. All of our youth programs are taken care of. We have things like summer camps. It's called Super Rec. Recreation programs, our pools are open always. You know, those are like what? call like our community promise that all of those things are tip top shape, always quality and level of service are met. And then we have what are called like our aspirational things. So maybe we want to make sure that Every neighborhood that has a major park also has a splash pad. That would be aspirational. So we've been working on making sure that those parks have great splash pads. And we've installed about four of those now. The next aspirational thing that we have is making sure that Rebekah Kik (27:43.658) All of our bike lanes are connected throughout the city so that you can ride from your, you know, just about every school is connected or elementary school is connected within a quarter mile distance, you know, reasonably. So we're kind of mapping that out and making sure that we have like that good safe routes to school plan. So that's another aspiration that we have. Kevin K (28:09.186) Mm -hmm. Rebekah Kik (28:13.738) So things like that. Kevin K (28:13.986) So then like how much of those things that you described are like under the banner of like the city government, it's what it does year after year and how much of it is like through this additional corporate support. Rebekah Kik (28:26.666) Yeah, we would never be able to do this under what the city government has. We just don't have enough tax base and enough of our own funding to do that. And so we use this additional five to $8 million per year that we get from that $500 million endowment. That's what we get about like the interest. Kevin K (28:37.058) Mm -hmm. Kevin K (28:49.026) Okay. Rebekah Kik (28:53.034) from that $500 million is about $5 to $8 million additional aspirational funding is what we get to go with. Kevin K (29:02.082) So their idea is to try to keep that $500 million as capital long term. And then they're spending the interest or giving it back to the city. Just by comparison, what's your city budget overall? The total city budget. Do you have an idea? Rebekah Kik (29:06.026) Mm -hmm. Yep. Rebekah Kik (29:10.922) Yep. Yes. Rebekah Kik (29:17.61) Yeah, it's about 182 million. Yeah. We're like 25 square miles, just to give you an idea. We're pretty compact city. We're very, I mean, we've got some big streets. We're pretty walkable. Pretty compact. Kevin K (29:23.746) Okay. So cute. Kevin K (29:31.266) Okay, 180, yeah. Yeah. Kevin K (29:40.77) Yeah. Yeah. Well, it's an older city that was probably largely built out pre -World War II. Yeah. So, so that's interesting. So then maybe in any given year, it could be five to 10 % of the city budget more or less, depending on how it works out that that's getting kicked in extra. That's pretty cool. Rebekah Kik (29:44.554) Yes. Mm -hmm. Yes. Mm -hmm. Rebekah Kik (29:56.97) Yes. Yeah, and we do, we also have like a incremental development loan program for housing. We've got pre -permitted housing plans. We do small business development out of those funds. Yeah, we've got a lot of buckets. Kevin K (30:20.898) Well, so let's talk about some of those buckets. What do you mean by your incremental development fund? What's that all about? Rebekah Kik (30:24.842) Yeah. Rebekah Kik (30:29.258) Yeah, so back in that day also when I was the Young City Planner in 2015, Kevin K (30:39.266) And how many planners are on staff? Rebekah Kik (30:42.762) So at that time, there were five of us. Okay? And everybody had their own job. So, you know, I had a historic preservation coordinator. I had a zoning administrator. I had a site plan coordinator. I had no general planners. That was me. I was the generalist on staff as the quote unquote city planner. Kevin K (31:08.482) Mm -hmm. Rebekah Kik (31:14.026) And so I. I knew the zoning code was completely broken. And before I was going to start the master plan, I read all the past master plans back to 1977. So there were four master plans. And the 1998 plan was the most curious. And it had said, it's in this little sidebar, which send it to you. It says, you have a problem to solve. You have a contradiction to solve. You're a city that relies on a tax base. However, you want to reduce that by expanding your lot sizes. because it was saying, you know, you wanted to go to the suburban model. They wanted to create 60 foot wide lots and really suburbanize, creating this R1 district. However, you're a city that relies on taxes. And their standard lot size at that time was 32 feet. And so they're like, basically, you're crushing your tax base. Kevin K (32:43.618) Yeah, so kind of a classic Strong Town's math problem here with the development pattern. Rebekah Kik (32:45.418) And so. Yes. And so here it is in that 1998 sidebar, like some consultant just like shoved it in there and said like, warning, warning, Will Robinson, it's over here. And so I had read that and at that time, Jim Cooman was the executive director there and he was in town doing this. Kevin K (32:58.786) Hahaha Rebekah Kik (33:20.554) developer boot camp with us and I handed the zoning code to Jim and John Anderson and I said hey you guys I think I'm reading our master plan and what I would really love is if you guys just maybe just flip through this with your small developer brains and maybe mark it up a little bit and Tell me what I need to do through like maybe a first blush. Like what if I could do anything right now, change anything, what would I do? And I still have John Anderson's red lines of my zoning code. I refuse to get rid of that. I swear, I'm gonna give it to the museum. Yes, and. Kevin K (34:08.514) Hehehe Yeah, you should frame it and, you know, hang it up. Rebekah Kik (34:17.994) Because it is the first text amendment and this is when we decided we would not do a full overhaul of the zoning ordinance and we would do an incremental Zoning Changes because that's what we would do. We would just say okay. Well, we can just do this. We will just do these text amendments Kevin K (34:44.642) because you didn't want to hire a consultant for a million dollars and take five years to overhaul the zoning code and then have it fail. Rebekah Kik (34:48.778) No, because that's right. And that's not what we needed to do. Because we just needed to do some tweaks. Because it was just the setbacks. The setbacks were the issue. And unlocking those stupid square footage requirements. And we had this really, really great, we had like this. tea room requirement. Like you could do this tea room as long as your house. I still wish we could find like who the hell was this for? It was like a tea room and the house had to be like 50 years old and it could be open from like 9 a to 7 p I mean it was so utterly specific. Like it had to be for somebody but... I mean, I wish we could figure out whose address that was for. Kevin K (35:47.554) you Rebekah Kik (35:50.09) It was unreal. But so, yeah, so that incremental development fund was again born out of this two and a half day session. We knew the Foundation for Excellence was kind of rolling in. And so I posed to the room. I said, OK, you guys, if I had a million dollars, what would you do with it? And they're like, what? What are you talking about? I said, no, seriously, a million dollars cash. I got a million dollars cash, what do I do with it? And they said, well, okay, Rebecca, if somebody graduated from this class, it's an equity fund. And you put those dollars aside and if you have it as a gap loan and it's 1 .5 % interest and it's for four units. And it's, you know, 80 to 120 percent AMI. And it's, you know, 30 year amortized, you know, here's the performance, here's how it fits in. And I was like, great, that's what it is. Okay. Kevin K (37:02.273) Hmm. So basically a way for like a small developer who's getting started to be able to work through basically to get bank financing because there's this other gap financing that can help out along the way. Rebekah Kik (37:17.93) Yes, and we also, so we do that loan program and we do it for four units. We do it at one and a half percent. We'll do it out for as long as we need to. We can be as patient with the capital as necessary. And we also can push it out further. Kevin K (37:46.818) Mm -hmm. Rebekah Kik (37:47.914) So we can make it do, we can be two years out. We can do it after two years or five years if that helps so that you can get some rental income in for a couple years. For five years if that helps your bank as well. Kevin K (38:05.89) Interesting. Kevin K (38:10.946) So have you had some takers on this program? Rebekah Kik (38:13.674) Yeah, we've done, I think we've done at least four of those loans already. So, and we started that, unfortunately, so it started in 2019. We got that loan program and the policies up and going in 2019. So obviously COVID affected that. Kevin K (38:31.074) Mm -hmm. Kevin K (38:41.442) Mm -hmm. Rebekah Kik (38:42.602) quite a bit, so we really hope that we can get some more of that out starting soon. Kevin K (38:48.45) Yeah. That's cool. That's a really interesting idea. So along with that, then you said you mentioned you've got a pre -permitted plan program. And I've talked with some of the folks in that world, the Jennifers and the Mats who do this kind of work. What all have you adopted or what have you done in Kalamazoo? Rebekah Kik (38:53.93) Mm -hmm. Rebekah Kik (38:58.794) Yes. Rebekah Kik (39:10.25) Yeah, so we have duplexes. We have up and down duplexes and an ADU unit that we built. So it took us four years to get this launched as well. But that's because we started building with a nonprofit builder first. We built three duplexes and ADUs. and a cottage, a 900 square foot cottage as well. And we wanted to be sure that we had the Performa like as tuned as possible and that we got all of the kinks out in the plan also. And we have comps now because we built them. And we knew we needed that for the duplexes, not so much the cottage. I mean, we do have some smaller homes in the city. We also have some ADUs in the city. But we now have at least our pre -permitted ADU in the city. But the up and down duplex, we need banks. We're probably going to stop at that a little bit. We now have three of those built. Kevin K (40:23.81) That's cool. And do you think you'll expand that to other plans, other building types? Rebekah Kik (40:30.218) Absolutely, we have four plex, six plex, and 12 plexes coming. And we also have lined up our nonprofit builder to also be, and we're also funding our nonprofit builder with those Foundation for Excellence funds. Again, for us to take the risk in building those, putting the comps on the market. making sure we're getting the performer right. And it gives the developer a model, you know, to really see and touch and feel the quality of it, take a little bit of that risk out for them to see us build it and understand it as well. Kevin K (41:18.562) So along the way, you became the assistant city manager as well, moved up from planner to that. How and when did that happen? Rebekah Kik (41:31.498) So that happened in 2022. Yeah, and how that happened was a couple of things. So one was I had been in my direct, I moved from city planner to the director of community planning and economic development. in 2017. And so I was director for the longest time at the city. And as I was director, I absorbed economic developments. And I did that between 2018 and 2019. Our economic development director at the city retired. And he only had a staff of three. And I had been shadowing and working with Kevin K (42:02.466) Mm -hmm. Kevin K (42:15.65) Mm -hmm. Rebekah Kik (42:29.066) the Brownfield authority the full time. And I finally said to him, I was like, you just, you retire, let me take on your department, you know, planning and economic development just need to be won. He knew like the whole time I was just like, come on, you know, like development is just becoming my thing. Kevin K (42:42.434) Mm -hmm. Rebekah Kik (42:58.602) I never knew I was like this budding developer inside the whole time. I had no idea. They don't tell you that in architecture school that you are like the secret developer. Because they never teach you the finance side in architecture, which they should. Kevin K (43:17.154) Yeah. Rebekah Kik (43:27.05) They should definitely teach you that. So I had gotten my economic development, finance professional certification and I took my test and I did that all during COVID. And at the same time, or just as I was coming out of COVID, I also had been working with the IA Women's municipal leadership program through the state of Michigan, slowly thinking about city management and leadership. And so I had been thinking about it. I had been talking to my city manager and to my boss, William, about that and about what career path looked like for me, what roles they were looking for in city management. At that time, there was a city manager who was about to retire and what they were looking for in their team member. And so then that city manager had retired and they hadn't hired anyone. And then there was a person who joined the city manager's team and they called her like, she was like a project manager and they called her like, like the strategic innovation coordinator or something like that. It was kind of a weird goal. Kevin K (45:14.178) Hehehe. Hehehe. Rebekah Kik (45:14.538) like, that is so my role. I was like, wait a minute, but she's not a city manager. And then she got some opportunity and she left. And you may or may not know this about me, but I'm sometimes I can be a little bold. So I went to my boss. I said, Kevin K (45:21.442) Mm -hmm. Kevin K (45:26.594) Hehehe Kevin K (45:34.242) Yeah. Rebekah Kik (45:42.474) So you may or may not be hiring for that role, but I think that that's my job. I'm going to put a job description in front of you. And I think this is my job description. And I kind of went like that. Kevin K (45:57.89) I love it. That's great. Kevin K (46:08.354) I love it. So obviously he was like, well, clearly you're right. Rebekah Kik (46:11.946) Clearly you're right. Yes. Exactly. And so I said, look, the strategic vision, Magic Helmets, 2035 is coming up. 2025 is due. And by the way, at Magic Helmets, 2025 every year, Kevin K (46:14.85) There's no other conclusion I can draw at that point. Rebekah Kik (46:36.617) I give the City Commission an update. I call it the Imagine Kalamazoo Birthday Celebration. They're all online. And I show the Commission how Imagine Kalamazoo gets implemented every single year. And I tell them that, you know, by the way, in Kalamazoo, we implement our master plans. And here's how we do that. And here's how I've shown you how we implement our 138 goals. how we're on track, how much money we've spent, how we take our community's vision and how we've implemented it. And so now this year, I've been showing them how we are going to create the strategic vision for Imagine Calendly 2035. And as city manager, I'm showing them how their strategic vision for the entire organization. I have been... My role now is as an organization leader. I have. been engaging the organization because that's, I didn't do that last time. I only engaged the community. So since October of last year, I've done six internal staff retreats. I've done an entire organizational survey. I've just started doing my second round of small group meetings where I've been engaging in what's called a group governance. meetings and I'm responding to all of my internal staff their needs in terms of tools, resources, staff capacity, funding, technology, policies, leadership, support, everything they need in order to support the community's vision. Rebekah Kik (48:37.386) So that when I go out to the community to find out what the community wants us to do, my staff is prepared to do that work. Kevin K (48:48.258) I mean, I'm really just, I'm a little blown away by all this. I'm kind of having a hard time digesting and coming up with questions because it's so, I mean, obviously this is the work of an architect. I mean, right. I mean, clearly this is what you went to architecture school for, to help, you know, reorganize and prioritize city management and get everybody, you know, working together as a team. Why don't you tease out what may be, without naming names, like a couple of the challenges. Rebekah Kik (48:59.626) Right. Kevin K (49:16.322) along the way or maybe something you see as an opportunity by going through that kind of internal reassessment. Rebekah Kik (49:24.298) Yeah, I mean, number one, this group has no clue what I'm doing. Like, teamwork to a government, they're utterly confused. They do their work on their team, absolutely. Like, their work in their department in their division on their team. Completely on board with that. But understanding that they're part of a larger organization that may have to talk to each other. or know what someone else does at somebody else's job. It's been a real hurdle to get them to realize that it's not someone else's fault that they don't know what the reason someone else is doing something else. It's been tough. Survey after survey after survey or conversation after conversation people will constantly tell me What's the problem communication the problems communication? And then I will say well, how would you like to communicate it? Well And it's the same in the community as it is with my staff Well, I don't read email. Well, if you send me something more, I'm not gonna look at it. Okay. Well then Rebekah Kik (51:15.05) So tattoos, like what do you want me to do? I can't literally come and talk to you every single day. Carrier Vigin, like I can't help you not help yourself. So it's, I can only do what I can do. I think they've appreciated at least that I'm trying. Rebekah Kik (51:41.322) I have tried to create relationships with supervisors as far down into the organization as I possibly can. And I've tried to let them know that they must talk to their staff because I know they won't read the email and I know they won't read the posting that I put on the board. So I just really, really tried to compel them that they must talk to their staff. because that is really the only way that I know that they can get information that I really want them to have about something. And that's probably the best I can do. And I have worked really, really hard to help people in these cross -departmental teams. That's so far been my best. possible angle at getting people to understand each other as best I can. The first meetings are absolutely the best because when people look at each other across the table and they're like, why are we here together? This feels so weird. The first couple times and then they get it. And they're like, okay, okay, we're good now. But the first couple times, it's really awkward. Now we're okay. Kevin K (53:11.298) Yeah. I mean, it seems to be like a lot of what you describe is kind of the siloed nature of a lot of city government, which I've certainly experienced and continue to experience. And there's something interesting here though, that I think that may help you, you, you think about this differently than others. And I want to have you comment on this. And that is, you know, all those years that you spent doing design charrettes. you know, you and I both did a ton of those, we learned from all the other masters of the new urbanism. and they really, one of the things that that group did that people don't talk about as much that I think is incredible was this invention of the interdisciplinary design charrette. And, the whole notion being that we would get, everybody who needed to work together on a project in a room, for, you know, a week. and we'd spend a week together solving a problem together. And so you, we'd have, certainly we'd have architects and planners, but we also had engineers. you know, we had people who knew codes. we, we had everybody who might, we had developers and builders, anybody who might impact the built environment. And I think one of the things that I learned through that process, I'm curious if you did as well was just how, that inner, how well that interdisciplinary. process worked to solve problems and it was so much faster than a typical planning process. Rebekah Kik (54:48.298) Yeah, no question. The interdisciplinary process with all those perspectives is... probably the biggest lesson learned and probably the way that I think about things almost subconsciously. It's probably just built in to my thought process and I'm not even thinking about it, but yes, it's just there now. You're absolutely right, Kevin. It's probably just there now. Yeah, of course that's the way I'm. Kevin K (55:26.85) Yeah, it's like in the background, you think, obviously this is the way to do things. Yeah. Yeah. So you also mentioned that in your email to me that you've also had some success recently with some big grants to help with big projects. What are those all? Rebekah Kik (55:31.114) I'm going about things. Yeah. Rebekah Kik (55:44.938) Yes. So I was just reflecting on this because it has been such a labor of of love for a long time. And now I'm, it's one of those things where you just keep watering it and watering it and watering it. And now I am like seeing all of it come to fruition in such incredible ways. And the public works director and I were just like high -fiving like crazy yesterday. So 10 years ago when I started, Director Baker and I, when we started on Imagine Kalamazoo, we started writing our connected city chapter. We got bold and we decided we were gonna write a land use and transportation master plan. And because that's what I was writing when I was a consultant, right? And I said, look, this is the right thing to do. because I want to change the land use, you want to change the streets as well. And I said, we have to do this together. I can't change this built environment without you. And you don't want these streets to stay the same either. You know they're not safe. So we have to write this land use transportation plan together. We can't do that without two way traffic in our downtown. We can't do that without a network. And we got to really put pressure on Michigan Department of Transportation. So the first thing that we had to have happen was we had to put a lot of pressure on Michigan Department of Transportation. They, for lack of a better way to say it, they owned all of our trunk lines, which were our main streets, our main one -way pair, which kind of circled our downtown and our main east. Rebekah Kik (57:50.57) East West and our main North Souths. And we finally got, we had a couple of friendly people, one which was our region planner for MDOT in our area and the governor's liaison was a friend, Andrew Hahn and Jason Latham. And at that time, again, it's just city planner, but I knew the language. So we sat down with MDOT at that time. This was the first domino to fall. And I, again, city, sometimes I wonder, like the city was like, gosh, this girl's mouth. I just got in every meeting and I said, Kim, we studied the network. And they said, those aren't, those are your streets. These are our streets. And I said, yes, but can we study the network? No, we're going to study .streets and you're going to study your streets. And I said, but we're going to fail at your two -way network because we don't have the same values. Can we study the network? And then they said, well, maybe we should just give you the streets back. I said, OK, that sounds good. So we finally got them to give us the streets back. Kevin K (59:04.642) Hehehehe Hahaha. Rebekah Kik (59:16.298) And we got to study the network and we got to show everyone that the two way, the reversal, it works. We can restore two way traffic. And that's how we got the first raise planning grant. Thanks to Pete Buttigieg being, you know, in his seat as secretary of transportation. And because all of the the TIDER grants, the BUILD grants, everything before was never a planning grant. So a city the size of Kalamazoo, you don't have $6 million put up for engineering and planning of these streets, right? So we, this was monumental for a city of our size to get a planning grant. And that was it. That was the first. time we and with the MDOT transfer we got nearly 12 million dollars with that because it was like well MDOT said well we were going to spend 12 million dollars just milling and filling those roads so we'll give you the 12 million we got to put that money up with our act 51 dollars got the match we got the six million dollars to do the planning then we got the planning done now we could show we'll shovel ready And then Monday we just found out we got $25 million raised grant to do the construction for Kalamazoo Avenue or for Michigan Avenue because we already got $12 million reconnecting America grant for Kalamazoo Avenue. And yeah, by the way, we got $38 million protect grant because that's for the flooding that happens on Stadium Drive. So here we are, a hundred million dollars in little old Kalamazoo, Michigan, all because it's in, it's in Imagine Kalamazoo, it's in our master plan, it's in land use transportation, it's there, it says it, it transforms our community. Kevin K (01:01:39.714) That's really, that's an incredible story. That's really amazing. So clearly you have a staff of like about 200 people working with you, right? Rebekah Kik (01:01:47.242) You know, all five of us, we are like paralyzed. We're having a happy hour tomorrow. You're invited. Kevin K (01:01:55.138) Well, I, you know, I have, have long had this, suspicion that, or this belief that the most interesting work happening in our field is cities that were under like 50 ,000 people. And I see now, I think I just need to raise that threshold to like 75 ,000 to loop Kalamazoo in, but it is, it's amazing how often this happens that it's the smaller cities that are doing the most groundbreaking work and doing it. Rebekah Kik (01:02:14.797) Just a couple more. Kevin K (01:02:24.738) really well. That's pretty incredible. So now, you know, obviously Michigan is not exactly a booming state in terms of population. Have you seen an impact on the city's like economic fortunes with some of the planning work? Is the city growing at all or how's that work? Rebekah Kik (01:02:41.994) You know, we are and we aren't. I don't think at this point we're losing anyone, but we're certainly not booming in any capacity necessarily. No, we're not growing in any industry per se. pretty quiet there. I think we're just doing good, steady work and we're just trying to be great and steady and consistent and keep who we've got, you know? Kevin K (01:03:24.162) Well, it seems like in certainly in the Rust Belt, being able to keep who you've got, have happy citizens and have a high quality of life, you're like way ahead of the game. Rebekah Kik (01:03:35.85) Yeah, no question. No question. Kevin K (01:03:40.481) Yeah. Rebecca, this has been an incredible story. I'm sure there's a lot more to it. If people want to look up more about what you've done and what you're doing in Kalamazoo, what's the best way to do that? Rebekah Kik (01:03:55.978) Imagine Kalamazoo .com. It's, yeah, yeah, it's got the whole story. It's got a page with all our plans, our process, our public participation plan. We tried to codify it. It's got a toolkit. It's, you know, go to where people are and have fun. Yeah. Kevin K (01:03:58.242) Okay, that's straightforward. Rebekah Kik (01:04:24.202) It also if you go to Kalamazoo city org You can at the bottom of the page you can see the foundation for excellence story You can see our investments you can see the 50 million dollars that we've invested in our city in our neighborhoods you can Could check out that whole story. It's Really incredible and just know we're incredibly grateful for it. We understand what it means for us and Yeah, we don't take it for granted. Yeah, thanks, Kevin. Kevin K (01:04:58.666) that's fantastic. Rebecca, it's been great catching up. I really appreciate your time doing this and look forward to following more of what's going on in Kalamazoo. Rebekah Kik (01:05:08.874) Hey, I'm just grateful for that opportunity. Thanks for allowing me to catch up and share our unique story. Kevin K (01:05:15.618) my pleasure. Take care. Rebekah Kik (01:05:17.578) Yeah, take care, Kevin. Get full access to The Messy City at kevinklinkenberg.substack.com/subscribe

Quais são os desafios enfrentados pelas mulheres no mercado de trabalho? E quando elas ascendem à liderança, quais novos obstáculos surgem em seu caminho? Junte-se a nós para um papo com a convidada Ana Gabriela Marin, Sales Director na Performa. Vamos falar sobre liderança feminina e o impacto positivo significativo na cultura organizacional e nos resultados empresariais, e explorar as questões cruciais para fortalecer a presença feminina no ambiente de trabalho. Ouça agora nas principais plataformas:

Fala Carlão conversa durante a Agrishow com Mariana Moreau, Agrônoma Sênior da Mosaic Fertilizantes. Prosa top com uma profissional da prateleira de cima. Fala aí, Mariana!

Bagaimana cara menaikkan performa kinerja karyawan dengan sudut pandang NLP? Bila teman-teman mendapatkan manfaat dari video ini, silahkan klik subsbcribe, like dan share ya. Agar kami dapat membuat video bermanfaat lainnya. Terima kasih Mau join wag atau mau mengundang coach Antonius Arif silahkan klik link dibawah ini : http://Linktr.ee/ytantoniusarif

En los años 90, el diseño gráfico en Mac floreció con una explosión creativa. Los sitios web eran coloridos y caóticos, llenos de gifs animados y estructurados mediante tablas. Los anuncios, logotipos y pósteres destacaban por sus colores vibrantes, formas geométricas y estética futurista. La llegada de Photoshop con sus capas revolucionó la creatividad, y el minimalismo digital se volvió esencial. Esta década dejó una huella imborrable en la historia visual, inspirando a los diseñadores hasta hoy "Podéis contribuir al mantenimiento de nuestro podcast por Paypal israeledison20@hotmail.com " //Enlaces https://www.pixartprinting.es/blog/disenos-anos-90/ https://www.pixartprinting.es/blog/el-disenador-grafico-desde-1990-hoy/ https://design.tutsplus.com/es/articles/90s-graphic-design-trends-from-aesthetic-fonts-grunge-patterns-and-rave-flyers--cms-35224 https://artesvisuales.com/blog/como-ha-evolucionado-el-diseno-grafico/ // sistemas operativos utilizados por los macs de la época con algunas de sus aplicaciones icónicas. https://infinitemac.org/ https://infinitemac.org/1991/System%207.0 // Comercial curioso del apple macintosh Performa para el hogar https://www.youtube.com/watch?v=v50ZKWUKdR8 // Como curiosidad video grabado en el SIMO Madrid en 1999, donde cámara en mano grabó lo que tarda un G4, el cual todo diseñador quería tener, aplicando un filtro y reescalado de imagen en Photoshop corriendo en Mac Os 9. https://wetransfer.com/downloads/3f2f8885ab573a094694e0aeffa0990820240222235620/195a6bbe6fc34aa748f1dd6db593f58420240222235640/10897b?trk=TRN_TDL_01&utm_campaign=TRN_TDL_01&utm_medium=email&utm_source=sendgrid //Donde encontrarnos Canal Youtube https://www.youtube.com/c/ApplelianosApplelianos/featured Grupo Telegram https://t.me/+U9If86lsuY00MGU0 Correo electrónico applelianos@gmail.com Mi Shop Amazon https://amzn.to/30sYcbB Twitter https://twitter.com/ApplelianosPod Apple Podcast https://podcasts.apple.com/es/podcast/applelianos/id993909563 Apple Podcasts https://podcasts.apple.com/es/podcast/applelianos-podcast/id993909563 Ivoox https://www.ivoox.com/podcast-applelianos-podcast_sq_f1170563_1.htm

Me-review empat tim terbawah hingga pekan keempat IBL 2024 & menilai performa kelima pemain heritage juga naturalisasi. --- Support this podcast: https://podcasters.spotify.com/pod/show/abas-talk/support

SummaryIn the first episode of our 2024 season, our host Stephanie Fortunato speaks with Tairone Bastien, curator of 'A Feral Commons', a global public art co-commission project that examines the often unrecognized co-dependence and open-ended collaborations between human and non-human beings. The project is led by Alserkal Advisory in collaboration with GCDN and with support from UAP – and features site-specific installations located in three cultural districts worldwide: Alserkal Avenue, Kingston Creative, and Victoria Yards.Guest bioTairone Bastien (he/him) is an independent curator based in Toronto and an Assistant Professor in the Criticism and Curatorial Practice program at Ontario College of Art and Design University. Tairone co-curated the inaugural Toronto Biennial of Art in 2019 and in 2022. From 2011-2016, Tairone established the arts program at Alserkal Avenue and the Alserkal Residency in Dubai, for artists, curators, and researchers in the Middle East, North Africa, and South Asia. From 2005-2010, he was a curator for Performa in New York City, co-organizing the first three editions of the ground-breaking biennial of live performance art. Tairone holds a Master of Art from the Center for Curatorial Studies, Bard College, New York; and a Bachelor's Degree in Art History with a Minor in Critical Studies in Sexuality from the University of British Columbia. External referencesA Feral Commons Website: https://aferalcommons.com/A Feral Commons ArtistsIo Makandal: https://iomakandal.com/Muhannad Shono: https://muhannadshono.com/Camille Chedda: https://www.camillechedda.com/Alserkal article detailing A Feral Commons: https://alserkal.online/words/the-global-co-commissionUrban Art Project (UAP): https://www.uapcompany.com/Alserkal: https://alserkal.online/Kingston Creative:https://kingstoncreative.org/Victoria Yards: https://www.victoriayards.co.za/Toronto Biennial: https://torontobiennial.org/Hassan Sharif: https://en.wikipedia.org/wiki/Hassan_SharifAna Tsing: https://en.wikipedia.org/wiki/Anna_TsingFeral Atlas, 79 field reports from scientists, humanists, and artists that show you how to recognize “feral” ecologies: https://feralatlas.org/Mushroom at the end of the world: https://en.wikipedia.org/wiki/The_Mushroom_at_the_End_of_the_WorldArticle detailing Chedda's Art Exhibition: https://our.today/jamaican-camille-chedda-selected-for-climate-themed-art-exhibition/Juksgei River, Johannesburg South Africa: https://en.wikipedia.org/wiki/Jukskei_RiverWater for the Future, an organization dedicated to reviving the Jukskei river's ecosystem through collaborative, community-based spatial interventions. Collaborating with Makandal on her exhibition: https://www.waterforthefuture.co.za/ LinkedInsTairone Bastien : https://www.linkedin.com/in/tairone-bastien-6310608/?originalSubdomain=caAlserkal LinkedIn:https://www.linkedin.com/company/alserkal/Camille Chedda:https://www.linkedin.com/in/camille-chedda-8233bb33/Io Makandal:https://www.linkedin.com/in/io-makandal-schiess-6b693629/ InstagramsMuhannad Shono: https://www.instagram.com/muhannad.shono/Io Makandal: https://www.instagram.com/iomakandal/Camille Chedda: https://www.instagram.com/camillechedda/Alserkal: https://www.instagram.com/alserkalavenue/

Molly Lowe (b. 1983, Palo Alto, CA) received her MFA from Columbia University and her BFA from Rhode Island School of Design (RISD). She has had solo exhibitions and performances at the Hammer Museum, Los Angeles, CA; Lilith Performance Studio, Malmo, Sweden; Pioneer Works, Brooklyn, NY; Anat Ebgi, Los Angeles CA; Suzanne Geiss Company, New York, NY; SculptureCenter, Long Island City, New York; and Performa 13, New York, NY. Her films have screened at the Museum of Modern Art, New York, NY and JOAN, Los Angeles, CA. Lowe has participated in residencies at the Shandaken Project, Storm King Art Center, New Windsor, NY; Pioneer Works, Brooklyn, NY; Recess Art, New York, NY; and the Skowhegan School of Painting and Sculpture, Skowhegan, ME. In 2015, she received the New York Foundation for the Arts interdisciplinary artist fellowship award, and she was recently nominated for a Louis Comfort Tiffany Foundation award. Lowe lives and works in New York. Molly Lowe, Wrestle in the Grass, 2023, Oil on canvas, 68 x 80 in, 172.7 x 203.2 cm Molly Lowe, Domestic Embrace, 2023, Oil on canvas. 48 x 56 in, 121.9 x 142.2 cm. Molly Lowe, 2024, LAP, 83 x 66 in.  

Tschabalala Self is an artist born in Harlem who lives and works in Upstate New York. She received her undergraduate degree at Bard and her MFA from Yale. Recent solo exhibitions and perfiormances include Kunstmuseum, St Gallen, Le Consortium in Dijon, Performa 2021 Biennial in NYC, the Baltimore Museum of Art, the ICA in Boston, the Hammer Museum in LA, Art Omi in Ghent, the Yuz Museum in Shanghai and many others. She has had several museum shows and has had residencies at the Studio Museum in Harlem, the Red Bull House of Art in Detroit, Liquitex work residency in London, the Fountainhead Residency in Miami and many others. Her work has been covered in Art in America, ArtForum, Artnet, Bomb, Cultured, Essence, Frieze, Hyperallergic, The New York Times, T Magazine, The Art Newspaper, The Guardian, Vouge, W and more. Her work can be found in countless institutions, with highlights that include The Art Institute of Chicago, The Baltimore Museum of Art, the Brooklyn Museum, the California African American Museum, the Hirshhorn, LACMA, the New Museum, the MCA in LA, the Guggenheim, the Studio Museum in Harlem and the Whitney Museum. Buy the Sound & Vision book "WHY I MAKE ART" here: https://atelier-editions.com/products/why-i-make-art Thanks to all for listening to the podcast and making it possible to hit 400 episodes!

This week: live art and activism. Performance art has long been used as a vehicle for protest and political activism and now, in its tenth edition, the Performa Biennial in New York has a new programme dedicated to artists exploring the subject. Protest and Performance: A Way of Life, which started as part of the 19-day festival this week, features eight events involving artists from across the world but with particular links to the Middle East, While it was programmed months ahead of the present war in Gaza, it has inevitably gained further relevance. We talk to Defne Ayas, the senior program advisor, and Kathy Noble, the senior curator at Performa, about the programme. In the UK, the National Trust, which looks after historic buildings and landscapes across Britain, has become the subject of a row between its current management and campaigners who argue that it has strayed from its essential remit. The Art Newspaper's associate digital editor, Alexander Morrison, speaks to Martin Drury, a former director-general of the Trust, about why it has prompted such an intense debate. And this episode's Work of the Week is Hans Holbein the Younger's portrait of Derich Born from 1533, a newly restored painting that features in an exhibition at the Queen's Gallery in London, one of the principal venues for the UK's Royal Collection. The show, Holbein at the Tudor Court, is curated by Kate Heard, and she tells us about the picture.Performa Biennial 2023, New York, until 19 November. Visit performa2023.org for details of events in the Protest and Performance strand.Holbein at the Tudor Court, Queen's Gallery, London, until 14 April 2024 Hosted on Acast. See acast.com/privacy for more information.

Marcel Dzama has an immediately recognizable style as a visual artist, but his energy has far exceeded the realm of visual art. Born in Winnipeg, Canada in 1974, Dzama got his start with the Royal Art Lodge, a group of students at the University of Manitoba who banded together in the mid-1990s. Their collaborative working method, where one artist would start a work and others finish it, recalled the "Exquisite Corpse," a parlor game associated with the Surrealists. As Dzama developed his own independent practice, moving to New York in 2004, he continued to explore the surreal in watercolor and ink. His work is replete with dancers and masked figures, whimsical animals, groovy monsters, human-plant hybrids, and grinning moons, all in an intricate but deliberately naive style. Dzama has permuted these offbeat interests into a variety of other media as well, from zines to dioramas to films. He's done album art for They Might Be Giants and Beck, made films starring Kim Gordon and Amy Sedaris, and created costumes for both a Bob Dylan music video and the New York City Ballet. Now, he's expanding his list of collaborations even further. New York's performance art biennial, PERFORMA, is returning, with a roster of artists commissioned to do new work in experimental performance of various types. Marcel Dzama's piece, titled To live on the Moon (For Lorca), is among the highlights promised by the 2023 program. In it, the artist fuses multiple threads of his practice, blending costume, dance, drawing, and film. And he also returns to his surrealist inspirations. Specifically, this work is Dzama's tribute to the life and work of Spanish Surrealist poet Federico Garcia Lorca. It incorporates both Lorca's tragic life story and an obscure, unproduced, Surrealist screenplay called A Trip to the Moon, which Lorca wrote while he was living in New York in 1929. It's fascinating material to dig into on many levels. Ahead of the opening of his show at the Abrons Art Center, Dzama came into the Art Angle studio to talk with critic Ben Davis about his work and interests, the impact of Federico Garcia Lorca, and about what surrealism does and doesn't mean today. "Marcel Dzama: To live on the Moon (For Lorca)" is on view at the Abrons Art Center from November 11–14, 2023. 

Failed deals. Capital calls. Lost investor money. A dreadful and sobering conversation ensues for many some commercial real estate sectors. Residential (1-4 unit) and commercial (5+ unit) real estate fortunes are decoupling.  Multifamily commercial loans are at the mercy of interest rate resets. Residential is stable due to low supply and sustained demand. Neal Bawa from MultifamilyU and I outline the multifamily problem. Values have plummeted 25%.  The magnitude of the multifamily problem is about 1/80th of the 2008 Global Financial Crisis. There are two reasons for the office apocalypse—both declining income and increasing expenses. Only 3% of office buildings in downtown cores have a floor plan that can be converted to residential. Dreadful.  There will be possible discounts in the hotel industry due to a lack of funding and loans. Retail has surprising bright spots. We discuss the future of rents through 2026. Will multifamily problems create contagion into 1-4 unit residential? We discuss.  Timestamps: Multifamily industry changes and challenges [00:00:46] Discussion on the new difficulties faced in multifamily, such as failed deals, capital calls, and banking industry challenges. Opportunity arising in the multifamily market [00:01:12] Exploration of the current opportunity in the multifamily market due to a 25% reduction in prices from the peak, caused by distressed transactions and high interest costs. Anatomy of the problem with floating rate debt [00:05:57] Explanation of the issues faced by apartment building owners or syndicators when they have floating rate debt without rate caps, leading to potential deal blow-ups. The rate cap issue [00:08:29] Discussion on operators neglecting to buy a rate cap or buying a rate cap set too high, leading to negative cash flow. Magnitude of the multifamily reset problem [00:09:47] Comparison of the current multifamily reset problem to the global financial crisis, highlighting the challenges faced by operators. Challenges in refinancing properties [00:12:10] Explanation of the challenges faced by properties in refinancing due to decreased net operating income and increased mortgage costs, leading to potential loss of investor money. The availability of multifamily loans [00:16:50] Neil discusses the availability of commercial real estate loans, particularly in the multifamily space, and how it differs from other asset classes. Lending challenges in the commercial real estate space [00:18:03] Neil talks about the severe lending challenges faced by asset classes like office, retail, and self-storage, while expressing confidence in the stability of multifamily lending. Contagion and the impact on the 1 to 4 unit space [00:20:56] Neil discusses the limited level of contagion that could affect the 1 to 4 unit space due to problems in the multifamily market, highlighting the healthiness of the single-family market and institutional interest in it. The Troubled Office Sector [00:25:35] The speaker discusses how the office sector is facing a long-term demand crisis due to the decrease in office occupancy and the challenges of converting office buildings into residential units. The Ten-Year Problem in the Office Sector [00:27:06] The speaker explains that the office sector is about to face a ten-year problem, with defaults and declining values affecting the downtown core and other assets. Bright Spots in Retail and Hotels [00:29:21] The speaker highlights that retail occupancy is higher than multifamily occupancy, and despite the Amazon effect, retail is doing well. They also mention that hotels have seen strong recovery post-pandemic. Hotels and Multifamily Discounts [00:32:55] Discussion on the current cash flow opportunities in hotels and multifamily properties, potential discounts in the next 12 months. Retail Reinvention and Rents in a Recession [00:33:57] Exploration of how retail can sustain itself through experiential offerings, the resilience of rents in past recessions. Artificial Recession and Rent Growth [00:35:33] Analysis of the possibility of a recession and its impact on rents, the strength of the US economy, and the expected short duration of the recession. The recession and its frequency [00:40:56] Discussion on the frequency of recessions and how they are a normal part of the business cycle. Learning opportunities at MultifamilyU.com [00:41:31] Information on the webinars offered by multifamily ewcom, covering various topics including single-family and multifamily projects. Appreciation for Neil Bawa's insights [00:42:22] The host expresses gratitude for Neil Bawa's informative contributions and welcomes him back on the show. Resources mentioned: Show Notes: GetRichEducation.com/473 Neal Bawa: MultiFamilyU.com and Grocapitus.com For access to properties or free help with a GRE's Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker 1: Today's guest is well known as the mad Scientist of multifamily. He's a data guru, self-described self-described process freak, and an outsourcing expert. He's a ten figure man with his billion dollar plus multifamily portfolio and his 900 plus investors. He's also the CEO at a multifamily education company because he's a really good teacher. It's been about a year and a half since you were first here. Welcome back to Neal Bawa.   Speaker 1 (00:00:40) - Well, thanks for having me back on. It's it's a delight to be back. Had a fantastic conversation with you last time. So I'm looking forward to this one. We did.   Speaker 2 (00:00:46) - The last one was so fun and spirited. But my gosh, since then, Neal, about a year and a half ago, so much has changed in the multifamily industry. We know that a lot of new difficulties have come into multifamily, like failed deals and capital calls and the need to raise bridge debt and banking industry challenges.   Speaker 2 (00:01:06) - So where would you like to start to help give us some perspective on all that?   Speaker 1 (00:01:12) - Well, think opportunity is finally here. You know, when when we talked a year and a half ago, I was I said things like, well, prices are too high. I said things like, I don't know where the margins are. I don't know how people make deals work. I don't know how they make them pencil out. Right. Um, in some ways, I'm still saying some of those things, but it's certainly not because of pricing anymore. So, you know, the single family market is a perfect sort of benchmark for the world that live in multifamily. As far as I know, in the last 12 months, single family prices have either been flat or up 1% or down 1%, depending upon which analyst you pick. But it's certainly been an extremely, extraordinarily stable market in terms of prices, where it's it's you know, the volume, of course, has cratered. It's down a ridiculous percentage.   Speaker 1 (00:02:00) - Whereas multifamily was an industry that has hurt more because of the portion of multifamily that was purchased or traded in the 2020, 2021 and 2022 time frame. Almost all of those trades happened using bridge loans which were floating, whereas almost all single family transactions were 30 year fixed loans. Right. So so two completely different things have happened. Normally the single family and multifamily market tend to be in lockstep. And that's certainly been the case for ten years. But over the last 18 months, single family and multifamily have separated from each other. And the big reason for that is almost all of the distressed transactions that you're talking about, that you're alluding to all of those cash calls. They are related to bridge loans, which had floating debt. And that floating debt has gone from, you know, 6% to ten, eight, you know, 11%, even for for some of these, these operators making it extremely difficult to make numbers work, making it very difficult to pencil. But on the good side, we've now seen compared to the peak, which was probably about 20, 21 months ago, we've seen a 25% reduction in prices, which is huge because we mean multifamily usually as an asset class, doesn't go down 25% simply because it its value is based on rents, you know, and rents rarely go down.   Speaker 1 (00:03:22) - They hardly went down for 6 or 7 months in 2008, so we didn't see much of a decline there in 2008, simply because, you know, the, the, the income was strong, but this time, the much, much higher cost of interest means that our overall post mortgage income is down. And that's why prices are down 25%. So both opportunity and distress in the multifamily space.   Speaker 2 (00:03:46) - That's such a staggering number. So let's frame that. Multifamily prices down 25% since their peak or year over year. And then just to be clear, we're talking about five plus unit residential apartment buildings with that figure.   Speaker 1 (00:04:01) - Yes, I'm glad you asked the question that way because I do need to qualify a few things. So so first thing is down from peak and depending upon different markets, the peak was either the last quarter of 2021 or the first quarter of 2022. And in a couple of markets, even the second quarter of 2022. So it's I'm not saying year over year, it's basically they're down 25% in the last 18 or 20 months.   Speaker 1 (00:04:25) - Um, so the second piece is that the down 25% is predominantly, let's call it hotter markets in the United States. So if we're talking about a steady Midwest market like Kansas City or Indianapolis, then you're probably seeing a decline of half that amount. So maybe 12.5, 13, 14%, where if you're talking about a very fast growing market, you know, all the Texan markets, the Floridian markets, then you might be seeing declines of that 25% level, since a lot of the transactions that did happen in the last two years were in the faster growing markets, that 25% number is still reasonable. And some people listening to this show might say, no, I don't think 25% is right. It's more like 20, it's more like 18. So I'll. Be at that by saying it's a pretty wide range. We're seeing as little as 18% in some of these fast growing markets, you know, hot markets. And we're also seeing markets like Phoenix, where we're seeing 27, 28% declines in price.   Speaker 1 (00:05:23) - Also, the the range is dependent on the number of units. We are seeing smaller declines if you've got less than 100 units. Right. So smaller properties, we're seeing a smaller decline maybe 15%. And then when we are seeing properties that are 300 units or more, just the whoppers, we're seeing 30% declines in those assets. So so a lot of it is really dependent upon, you know, because the bigger the size, the harder it is to finance it these days, the less the banks want to take a risk on it. So the bigger the property, the harder, harder it's hit at this point of time.   Speaker 2 (00:05:57) - The bigger the property, the less liquidity. So maybe, Neil, to help the listener get a full understanding, maybe you can take us through the anatomy of where a common problem is with what happens to an apartment building owner or syndicator when they got this floating rate debt and they didn't get a rate cap and rates spiked? What exactly happens that makes these deals blow up?   Speaker 1 (00:06:24) - Right? First, want to, you know, set the size of the of the problem.   Speaker 1 (00:06:28) - Right. So when you compare it to 2008, it's not comparable in 2008, the total size of distress or you know, potential distress was 8000 billion or $8 trillion. So it was it was a it was an absolutely staggering event. Luckily, not a lot of that distress actually happened. So that was good. But the the total size of distress was in that $8 trillion or $8000 billion range, the total size of distress in the multifamily market appears to be in the $100 billion range, so about 1/80 of the size of the distress in 2008. So keep that in mind. Also, as a percentage of the overall multifamily industry, there's about 100,000 multifamily properties in the United States that are on the bigger size. Let's call them more than 50 units. There's 20 million apartment units total. 100,000 are the bigger properties. Of those 100,000, the distressed portion of the portfolios is about, from what I can tell, about 3000 properties. Maybe it could be as much as 4000, but 3000 is a very common number.   Speaker 1 (00:07:30) - So about 3% of the properties are distressed. And why are they distressed? Multifamily has been doing incredibly well. Rent growth has been phenomenal, especially in 2021 where it was 15%. Just so you know, they the 50 year average is about 2% rent growth. So 15% is you know, champagne time. So so we've certainly had positive trends. And we continue to see positive trends. You know there's there's less and less people can afford a mortgage. So there's basically a you know brand new renters being created every day because of mortgage rates being this high. But the, the the downside was that a portion of those 100,000 properties were purchased in late 2020, 2021 and then, you know, 2022, and they were purchased using floating debt. And the the so we're talking about those 3000 properties. Those 3000 properties either didn't have a rate cap. So when when you you're purchasing using, you know, bridge debt or floating debt, you want to buy a rate cap. So if rates do go up they hit that cap.   Speaker 1 (00:08:29) - And then anything above that cap is something that the rate, you know, cap selling company reimburses to you. So that way you're not affected by but by going above that, well, some of these operators neglected to buy a rate cap, which was a really bad thing to do. But then there were others that other operators that bought a rate cap, but their rate cap was set too high. So, you know, they basically didn't think that rates would go up. So they did put a rate cap in. But instead of buying a rate cap at 6% or 7%, they may be bought a rate cap at 8 or 9. They were basically looking for the worst case scenario, and so they bought the cheapest rate cap that they could find. And now, you know, rates have gone up and they've already hit that rate cap. Maybe it's eight and a half or 9% and it had eight and a half or 9%. That mortgage is still too high for that property to cash flow. So now the property has negative cash flow.   Speaker 1 (00:09:18) - So there's I personally know of a few dozen properties where the negative cash flow is between 20,000 and $200,000 a month. And that negative cash flow means that the syndicators, the the general partners are basically putting that money in themselves, or they're taking short term loans and they are now looking for a solution there and their solutions are limited. I can give you a list of those, but their solutions are limited because the property is is negative cash flow and nobody wants to touch a property that's negative cash flow.   Speaker 2 (00:09:47) - Did we say that he's a data driven guy or what? That was some great perspective that the magnitude here of the multifamily reset problem has been about 1/80 of what the problem was in real estate during the global financial crisis. That was a great way to put things in perspective. Yeah, Neal, you know, it's such an interesting mindset that an operator would have the awareness to buy a rate cap with their floating rate debt, but yet not have the cap be low enough in order to keep them out of trouble.   Speaker 2 (00:10:20) - That's really unusual to me. Do you have any idea what percent of operators have bought a rate cap with their floating rate debt?   Speaker 1 (00:10:30) - I think a majority of them have. So I'd say more than 50% of the properties that were purchased during this time did have caps, but a lot of the caps were set high. So that that was a very common thing, where the caps were set to 8% or higher, as opposed to them being set at, you know, 6 or 6.5%. So it's more of a high cap issue rather than a no cap issue. And I think the bigger the secondary challenges, let's say let's say they had a good rate cap, right? So I bought it. Let's say you bought a property in the, um, let's call it the final quarter of 2020. And you bought a two year rate cap. And the rate cap was good. It was 6.5%. Yeah. Good for you. Right. But that rate cap was a two year rate cap. So now it expired basically last year.   Speaker 1 (00:11:14) - And so since last year you're now up at 10 or 11%. And, you know, a year's gone by. Your property is bleeding. Maybe it was doing well, but now that it's been bleeding for a year and you've been paying all of that bleed out of your operating expenses, now you're in trouble. And maybe you bought it. Three rate cap. Well, if you bought the property in the final quarter of 2020, then in about a month or two months from now, we're in the final quarter of 2023. Well, that rate cap is going to be gone. And then maybe in the next three, 4 or 5, six, seven months, all of your operating budget, all of your operating, you know, fund is going to be, you know, gone because you have this much higher mortgage. So what's happening is that this is one of those situations where there isn't a trigger on any one particular day, and a huge number of properties come to market. There were a lot of properties purchased in the final quarter of 2020, all four quarters of 2021 and the first three quarters of 2022.   Speaker 1 (00:12:10) - Right. So you're looking at a total of eight quarters. So each quarter, a certain percentage of those properties get to the point where either their rate cap is gone. Right. So it's finished because you bought a one year or two year rate cap, or they're they're at the point where even without the rate cap, their loan is expiring. So a lot of these bridge loans were two year loans and three year loans. And so the vast majority of the challenges that the multifamily industry is going to face are going to be in 2024, because that's when a vast majority of either rate caps or mortgages expire. And because because the net operating income of these properties has gone down and the and the mortgage cost has gone up, most of these properties cannot be refinanced. So I'd say out of the 3000 properties, you could probably refinance using some mechanism, a thousand of them, maybe a third of them. And that could be, you know, do a cash call, get, you know, money from your investors.   Speaker 1 (00:13:07) - Or you could do what is known as a pref lending, where you basically take money from an outside party and that outside that extra money helps you refinance into into perm debt. So those are your options. And the third option, which is likely to be most common, is that you go out and sell your property. But from what I'm seeing, the vast majority of these properties that don't get refinanced. So out of 3000, the 2000 that don't get refinanced are likely to come to market, and the vast majority of them will end up losing all of their investor money or a majority of their investor money. And so you, you know, if it's a $100 billion problem, that's, you know, we're talking about 30 to $40 billion of investor money, and a majority of that 30 to $40 billion could be lost.   Speaker 2 (00:13:48) - Yeah, that is troubling and really concerning as far as those LPs, those limited partners, those investors in someone else's syndication, hopefully that syndicator, that operator is communicating with their investors.   Speaker 2 (00:14:03) - But for investors, is there anything they can do to identify cracks in the arm or where they might be losing their deal, where they might be losing their money, where they might be throwing good money after bad if a capital call is requested?   Speaker 1 (00:14:18) - I think it's a very difficult thing to do for a limited partner because you have, you know, you have more, you have much more exposure to the deal than you would when you invest in the stock market, where you know, there's almost no exposure unless it's a public company. Um, but and these are all private syndications. But I think that a lot of investors simply don't know how to read the, the budgets versus actuals. They don't necessarily know how to read the Performa. So it's it's challenging. So if you're somebody that is. Comfortable doing that. I suggest you dive in and basically ask a lot of the questions of the syndicators. I have one such property, so, you know, I was lucky in that during that time a lot of my colleagues had I have people who I know colleagues that bought 10 to 12 properties during that time frame.   Speaker 1 (00:15:02) - It was very normal. I bought one and a half. So one of those properties was my own property, exited one of my partners. So I call it a half a property because it was already mine. Um, and then I bought purchased one other property in a military metro. So I was able to get it for a lower price because it was a military metro. And usually the prices are lower for, for for military towns and, and that property, you know, I'm having the same challenges that I've described. So, you know, the the rate cap issues and the fact that basically prices have gone down by 25%. And I'm dealing with it by constantly communicating with my investors, giving them, you know, options. You know, here's, you know, how when, when we were when we were all selling these these shares to investors, we gave them a, um, a sensitivity analysis showing them, you know, worst case scenario, best case scenario, you know, in a middle case scenario.   Speaker 1 (00:15:55) - And so now we're basically doing a sensitivity analysis based on what we are seeing in the marketplace today. And and giving them feedback on what our options are and think a lot of it comes down from the the general partners communicating with the limited partners. And if the your general partner is not very communicative, is not giving you information, ask for one on one meetings, ask for you know, more information in their webinar or in their updates. I think this is a time for limited partners to be vocal.   Speaker 2 (00:16:25) - You've learned about the problem in the larger apartment space. You've learned about how operators and apartment syndicators are dealing with the problem. And then, Neil, where do you think that we're going next and think maybe we should ask and look at it through the lens of where do you think we're going next with the availability of multifamily loans, could this help the source of capital dry up?   Speaker 1 (00:16:50) - And so I think the answer is we are going to a very dark place with availability of commercial real, you know, loans.   Speaker 1 (00:16:57) - Multifamily is in a privileged asset class. So, you know, the the term commercial real estate is sometimes meant to include multifamily, sometimes not. So I'll assume that multifamily is part of commercial real estate, but there are many other asset classes. So there's office which is the next biggest asset class. There's retail hotels, there's self-storage, you know, and and a few others like mixed use. And of those commercial real estate asset class, there's only one that's privileged and that's multifamily because there are not one, not two, but three lenders who are government or quasi government organizations whose only job it is to keep lending in the multifamily space liquid, and also the single family space liquid. And they are Fannie Mae and Freddie Mac and hard. Right. So Housing and Development Authority. So these three lenders right now are extremely, extremely active. And what has happened is that in in good times, call it 20 early 2022. You had life companies. You had all these private, you know, bridge capital, you had all kinds of capital that was lending to the multifamily space.   Speaker 1 (00:18:03) - Now some of that capital has backed off. There's still a huge percentage, I'd say probably 40, 50% of all loans that are being done today are these kinds of private, you know, groups. But think the government or quasi government groups are much more active today and their lending. So I don't think multifamily lending dries up at all. I don't think that that's the case. I think it dries up for the non privileged asset classes, hotel, retail, self-storage, office. These are the classes that are likely to see, you know, near lending dry up especially because on a fundamentals basis there's absolutely nothing wrong with multifamily. In fact as I mentioned I think we're a lot better off than 2019 to 2023 given that home prices have gone up 40%, incomes are only gone up 15%. So there's a very large number of Americans that simply cannot qualify for a single family home anymore. And so those people have to go to apartments. So the the fundamentals are really good for apartments. That is not true of office.   Speaker 1 (00:19:02) - So office is an asset class that is experiencing the worst fundamentals it has seen in its entire history. And so I do think that there's going to be very severe lending challenges in the commercial real estate space. But I haven't really seen that multifamily, and I don't anticipate seeing it in the future as well.   Speaker 2 (00:19:20) - Well, I don't know if any of that could have as much fun as last time. There were rather gloomy subjects to discuss here with Neal and come back. Can this problem in the multifamily space create contagion for the 1 to 4 unit space? And like with what Neil touched on, what about other commercial sectors like office and retail? How troubled are they when we come back? This is get recession. I'm your host, Keith Weinhold.    Speaker 2 (00:20:14) - Welcome back to Get Rich Education. We're talking with the mad scientist of multifamily, a big brained visionary. He's also an excellent teacher. I'm sure you can tell as you're listening to him here. And if you're listening in the audio only Bawa is spelled b a w a new. Here on this show, we talk an awful lot about investing in the 1 to 4 unit space and the advantage of the 30 year fixed that long term fixed interest rate debt. Do you see any areas for contagion with problems in the multifamily five plus unit space bleeding over into the 1 to 4 unit space?   Speaker 1 (00:20:56) - Yes, but to a limited level, I think that the the 1 to 4 unit space is the healthiest that I've seen in a very long time.   Speaker 1 (00:21:05) - And there's reasons for that. One of the biggest reasons is multifamily, which is the most well sought after asset class for institutional investors who don't typically don't usually like the 1 to 4 unit space. There's a few companies in that space, let's call them half a dozen, but there's several thousand companies that invest in the multifamily space. Some of them are right now looking at single family as a, you know, as a, you know, safe haven to park some of their money. Right? So there's, you know, more institutional level interest in the single family space because of its access to those, you know, those those 30 year fixed loans. So there's and the fact that single family prices basically haven't declined. So I think that there's there's a lot of interest in the single family space. Um, keep in mind that millennials are reaching their peak years of household formation. So they started in 2019. So until 2025. So from 19 to 2025, those are the peak years of household formation for millennials.   Speaker 1 (00:22:01) - And that's also putting a cushion under the single family space there. Contagion is some form of contagion is inevitable. I think that the office market is going to see spectacular levels of contagion, similar to 2008. I think that the other associated markets, like hotel and retail, are going to see some level of contagion, though I certainly don't expect it to be as bad as office. And then multifamily is going to see some contagion, as we mentioned, because of these 2 or 3000 properties that have to be basically sold into the marketplace and prices are down, which always creates contagion. Why? Because think about it. You're a mid-level bank. So a mid-level bank in the US is $250 billion or less in assets. Well, a lot of these assets are these banks are the ones that loaned out money to multifamily and retail and hotel and in office, and now are being forced by the Federal Reserve through a process known as mark to market. They're being forced to write down the value of these assets because these assets, you know, there's still you know, there's still active loans, but maybe they they loan $20 million.   Speaker 1 (00:23:00) - And now basically they're $20 million is only worth 18 or 16 or 15. And so now the fed is saying, hey, you know, you got to mark these assets down in value. And as they mark them down to value, that can lead to the banks becoming or mid-sized banks becoming less stable. I don't think this affects any of the large banks in the US, but the midsize ones are affected. And some of those mid-sized banks do lend to the single family space, but not a lot. I find that the single family space, when I look at their source of lending, not a lot of those mid-sized banks are involved. There's a little bit they do some brokerage work, but then they're selling those loans back to Fannie Mae and Freddie Mac and a bunch of other, you know, governmental type organizations. So I don't see a sense of contagion in the single family space. I do see potentials of some price declines because until about two months ago, mortgages were predominantly in the sixes. They, you know, they spiked up once to the sevens and then they pulled back into the sixes.   Speaker 1 (00:23:56) - Now they've gone into the sevens and they may stay in the sevens for a substantial amount of time. When that happens, that can affect the single family market as well, simply because, you know, you can get to the point where supply is higher than, than demand. So I wouldn't be surprised if there's a pullback in single family prices. Let's call it 5%. But I'm not predicting the kind of challenges where the office market think we could see 40% declines in prices from peak, whereas single family you might see 5%. I think that's still an incredible outcome for the single family market compared, you know, just looking at the outrageous increases in prices since Covid don't I don't think that's a even a pullback. I would just say that's a balancing out.   Speaker 2 (00:24:44) - Who know the residential housing market. Really, it's something that's non-discretionary on a human need basis. Everyone needs to live somewhere and they will either own rent or be homeless. And you talked about some of those affordability challenges before. The lower the homeownership rate gets, the more renters you have.   Speaker 2 (00:25:05) - So long term, we will have some demand baseline for both multifamily and properties in the 1 to 4 unit space, of course, but the same thing cannot be said about some of these other commercial sectors, especially the troubled office sector space, where you have more and more abandoned buildings downtown. And a lot of these office buildings cannot be easily converted from offices to residential units. So why don't you talk to us about some of those other troubled commercial sectors, starting with office.   Speaker 1 (00:25:35) - Office is in a apocalypse. I think that this is far, far worse than 2008 and far, far worse than than 2001, because 2008 and 2001, they were liquidity crisis. They were short term, you know, demand crisis. This is a long term demand crisis because, you know, I read very important documents from companies that are in the key swiping business. You know, when you enter an office in a downtown core, you're swiping your card. And so those companies actually have phenomenal day by day data of how many people are actually going into offices today.   Speaker 1 (00:26:11) - It's been more than a year since companies started calling back, you know, people to the office and think that by now every company, whether you know, they're they're forcing five days back to the office or four days or three days or two days, everyone's sort of, you know, put their line in the sand. And we're at the point where, you know, this, this is what offices look like going forward. And if I'm right and this is what it looks like going forward, it is simply catastrophic for the office market in the United States, because we're still seeing key swipes at 50 to 60% of the people that used to swipe in before Covid. And that number is staggeringly, staggeringly low. And if this is what it settles at, you know, some companies are two days, some three, some four. I think we're in for a world of pain for the office market. You also, you know, there's a lot of people that in these podcasts basically will often say something like, no, the office stuff will get converted into residential.   Speaker 1 (00:27:06) - And I have news for you, only 3% of office buildings in office in downtown course have the floor plate, the floor plate necessary for residential conversion. Why? Because residential conversion by law requires that every every single room have a window. So what is happening is most of the time you basically can only convert the buildings on the edge, the, the square footage on the edge of a building, but that's central core but then becomes worthless. And if you don't have a use for it, then you still have to buy that office building to convert and you have to buy it at a reasonable price. The math doesn't work. I mean, you'd you'd need to see office values down 80% for, for, you know, a somebody who's converting to multifamily to say, fine, I'll just leave the 60% in the middle empty and I'll just convert the size. So 80% declines in value are needed for that kind of conversion to happen. So we are about to see a ten year problem in the office sector.   Speaker 1 (00:28:03) - And it's also dragging down all of the other assets in the downtown core. So we are seeing we just saw a $727 million default on two hotels in San Francisco. We saw a $558 million mall default. Also in San Francisco, we're seeing defaults across the board in New York, Boston, Seattle, San Diego, Miami, sort of heavy markets where this these challenges are happening. We're seeing a lot of these and it's happening in a very, very slow way. Keith. And the reason for that is the office market, their average lease is, you know, five years long. Some leases are ten years long, and a lot of these companies haven't gone out of business. So if the company is in the lease, they're continuing to pay even though the office is empty. But the moment that lease comes up for renewal, either the company doesn't renew it or they renew maybe half the space. Right. And so we we already know that this is an incredible debacle, but it doesn't seem like it at any given point of time because it's happening in a very slow motion way.   Speaker 2 (00:29:02) - Well, that's such a good point about how there will be this slow drain, this slow leak when these office leases expire over time. What about other areas of the commercial space, any other particularly troubled areas or bright spots that you see going forward?   Speaker 1 (00:29:21) - Ironically bright spots. And this is where I've been proven wrong in the past. You know, I've often maybe 4 or 5 years ago talked about the retail apocalypse, right, where Amazon would basically, you know, lead the retail market to become illiquid. Well, none of those things have happened because of two reasons. One is the retail apocalypse with people like me, you know, being on on 200 podcasts, talking about it, a lot of development of retail that was scheduled to happen simply didn't happen. So the very.   Speaker 2 (00:29:48) - Late podcast, people lost confidence. No. They were invested in retail.   Speaker 1 (00:29:52) - Exactly right. So so, you know, I fulfilled that prophecy. Think. But bottom line is that there's there's been very responsible levels of new construction in retail.   Speaker 1 (00:30:02) - So, you know, they haven't built a lot. Very few models have been built in the United States in the last few years. And even some of the malls that have been repurposed, some of their square footage is being used up for, for multifamily. And so that was one. The second reason is that retail is being very careful with pricing. So, you know, over, over the last 5 or 6 years, the retail market has adjusted to new forms of pricing, where, you know, you go into a mall and you see a gym where before the pricing of that mall never really allowed for a gym to be in a mall. It just gyms, you know, they want, you know, a lower price per square foot. And so malls have adjusted, strip malls have adjusted. And so today we have a surprising event where retail occupancy in the United States is higher than multifamily. This is the first time ever that multifamily is about a little under 95%. Now it's 94% occupied.   Speaker 1 (00:30:52) - Retail is 96 or 97% occupied, which never happens, right? Normal. Normally retail is right around 90%, 88%, something like that. But the high level of occupancy shows that that retail is doing well. Now, having said that. So so on the occupancy side, they're doing really well. There's there's really no pullback in terms of demand. But on the other side, because of the fact that interest rates are so high, retail cap rates are very high, which means prices are low. So prices are very reasonable there for retail. And so I think that real opportunity that I'm seeing I wouldn't invest in office at this point, Keith, because you don't know the end of this process. You don't know how long it takes. I think it takes a decade. So I might get 50% off in office and I don't want it. I just don't want to touch that asset class. It's tainted. Now, if I get 40% off in retail, I think I'm interested because fundamentally I don't see a demand issue if this is the highest occupancy that retail has seen ever.   Speaker 1 (00:31:53) - And at the same time, I'm getting a 40 or 50% discount simply because of lack of lending. Well, that is to me a classic opportunity to look at because once again, fundamentally, nothing is wrong with demand. And I realize that the Amazon effect is extremely real. But what I'm seeing is that that people want that experience of shopping. And so even amongst the young people, sure, each year Amazon, you know, goes up a little bit. But now Amazon's growth is no longer a hockey puck. Amazon's growth is sort of like this. You know they're growing by 10%, 15% a year, which is still great for Amazon. But I think when you when you project that across a 300 million person market that the US is retail no longer has to fear for an apocalypse. So this is actually a pretty good time to take advantage of the 40% discounts that I think will happen in 2024 for retail. Same thing. Everything I just said also applies to hotels. Hotels came out of the pandemic very strong, with huge increases in ADR or average daily rates and huge, huge increases in occupancy.   Speaker 1 (00:32:55) - So hotels right now are a very robust cash flowing business. If you've got good hotels and good locations, you're making a lot of money. They're cash flowing like crazy because their orders have gone up and their occupancy has gone up. So they've taken two positive hits. But once again, I expect there to be discounts simply because of a lack of funding, a lack of loans. And you can you might we might easily see 30%, maybe not 40, but 30% discounts in hotels in the next 12 months. So think both of those are really good opportunities, along with multifamily discounts at 25%. So this is an opportunity. This is a case of distress creating unusual levels of opportunity. I don't think we're quite there yet, Keith. We're beginning to see some distress in multifamily. We're certainly seeing distress in office. We haven't heard anything about the distress in retail or hotels yet. That's because a lot of their their loans don't don't trigger until 2024. Right. So that's we'll see what happens next year when these loans start to trigger and you can't really refinance them.   Speaker 2 (00:33:57) - I completely believe that inflation has thoroughly soaked in to hotels. You talk about their ADR, their average daily rate. I've recently stayed at hotels in Denver, Omaha, Chicago, Toledo and Boston, so I've gotten a pretty good sample size and sure feel the hit there. And interestingly, the last time I shopped at a mall, it was the biggest mall in this city, and I noticed a bowling alley that I had not noticed there before. And I went bowling and noticed an ice skating rink was there. So I just wonder how much retail can reinvent itself if it tilts enough into the experiential part, rather than just buying items off a shelf at a store, maybe that can help sustain that retail sector, to your point. Well, Neil, maybe we should wrap up really on what supports an awful lot of values in multifamily, and that is rents and the direction of rents, especially if we have almost hate to say this. R-word, a different R-word, a recession, because it seems like this thing has been around the corner forever.   Speaker 2 (00:35:03) - I know historically that rents are quite resilient in a recession, something that you touched on earlier back even during the 2008 global financial crisis, when I was a landlord, I owned fourplex buildings. Then I noticed that I had a pretty good steady stream of renters. My rents didn't really go up much, but they were really resilient. They didn't go down, and that's because people couldn't get a loan. So that was an affordability problem. Then we have another affordability problem now. But if we do tilt into recession, what do you think that is going to do to rents?   Speaker 1 (00:35:33) - I think we are going to see a decline in rents if a recession happens. Now, that's a question. By the way, six months ago, if you told me, you know, a recession wasn't going to happen, I'd say, no, that's not possible. We are going to go into a recession. However, I must admit that the US economy has truly, truly, truly outperformed beyond anyone else, beyond anyone's imagination.   Speaker 1 (00:35:54) - So today, the chances of a recession are certainly not 100%. Might be 50%. But let's assume that it happens and a recession happens. I think what is very, very likely is that this recession will be very short. So once again, if you're not paying attention to to to what's happening in the marketplace, this is a time that, you know, I was born in India and this is my adopted country. I feel very proud of the US economy today. If I compare the US economy to the Canadian, the eurozone, the Germans, the Japanese, we are outperforming every one of those economies. We're at the point where we're outperforming China, which almost never happens, by the way. And so we have an extraordinarily resilient and strong economy at this point. So if it falls into a recession just because the fed keeps hitting it over the head with this interest rate hammer, I think that recession will be fairly short, because as soon as the economy does go into a recession, the fed usually figures that out within a few months.   Speaker 1 (00:36:47) - Then they can stop hitting us with a hammer. I'm not saying that they'll just cut interest rates back to zero, but they certainly will provide some cushion. Maybe they cut rates by one one time, two times, just to make the market breathe a little bit easier. Because this is an artificial recession, there is no shortage of demand in the US economy. There's an incredible number of open jobs. There were as many as 11 million jobs now. Now there's about 9 million open. So there's there's a and wage growth has been so strong. Right. Because we have so many people retiring that at this point, for the first time since the early 60s, I believe, or late 60s, we actually have pricing power. So anyone who wants to be employed can ask for more money and get it. And so wage growth has been about four, 4.5%, which is really good for rents, by the way. It's phenomenal news because we needed wage growth for future rent growth. So we have a artificial recession if it does happen.   Speaker 1 (00:37:38) - And that artificial recession is being caused by the fed because they want that wage growth to come closer to 2% from the 4% that it's at, because everything else has come down. Right. So commodities have come down with the exception of oil, and so has, you know, so have the supply chain issues are gone, rents are down. So in the US the last 12 months, rents were flat and in some markets they might be down 1% or 2%. Austin I think was the only market that was down a lot. But most other markets were down very, very small amounts. So rents have been flat, which is, I think, really credible because if you look at rents over the last two years, they're up 16%. So in 2022 they were up 16%. In 2023 they were up basically zero. So if you average that out now you're looking at 8% rent growth, which is phenomenal compared to the long term average of 2.5%. So we've been outperforming on rent and we needed to take a breather in the last 12 months have been that breather.   Speaker 1 (00:38:32) - Now, if the recession happens, I do expect rents to go down, but not normally they don't. So in a in a in a six month, three month or six month average recession, you know, the average US recession is two quarters. So six months normally you don't get rent drops. You might get, you know, the rents plateau out. Or maybe their rent growth drops from 3% to 1%. That's that's much more common this time. We might see rent growth in a short recession drop by maybe 1% or 2%. And the biggest reason for that is supply. The largest supply of apartments in the history of the country is delivering, starting basically the beginning of 2023 until the end of 2024. So these two years, 2023 and 2024 are massive apartment supply years. And obviously, as you supply 500,000 apartments into an economy that overall is not outperforming, is is doing okay, but and it starts to go into a recession, then you're going to see some concessions. And that concession drives down the price of multifamily, which then drives down the price of single family rentals.   Speaker 1 (00:39:36) - So we could see a decline in rents. I'd say probably 1% to 2% is is possible, but that decline is likely to be short. So I think let's assume that the recession starts in the final quarter of 2023, which might not happen. I think it's more of a Q1 and Q2 of next year. If the recession does happen, those are the two most likely quarters. As soon as the economy rebounds and becomes positive, we should see very strong and stable rent growth. Well, I would say stable rent growth for the rest of 2024 by 2025, a lot of that incoming supply is done. So now supply supply and demand are in balance. So in 2025 I expect strong rent growth as much as 4 or 5%. And in 2026 I expect very, very strong rent growth. We might we might see 6% rent growth in 2026. So 2024 is that year where rent growth is a little bit shaky because of this. Word, the recession word. And, you know, whether it happens or not is we don't know.   Speaker 1 (00:40:37) - And when it happens, we don't know how long it lasts. But I think because it's an artificially induced recession, it's likely to be the vanilla US six month recession, which basically drives wages closer to that 2% target for the fed, and gives the fed the room to start easing up on interest rates.   Speaker 2 (00:40:56) - Recessions are not good. Perhaps the one positive about a recession is that then we can all stop talking about and speculating upon when does eventually happen, because on average, it does happen every five years. It's just a normal part of the business cycle. Well, Neal, this has been very informative around the multifamily world and beyond, including projections for the future. You've always got such great insight in stats on the pulse of the market. If someone wants to learn more about you and your resources, what's the best way for them to do that?   Speaker 1 (00:41:31) - Come join us at multifamily. That's multifamily, followed by the letter EW.com we get about 20,000 registrations in our webinars. We do about a dozen webinars each year.   Speaker 1 (00:41:41) - We do them on single family multifamily. We do them on other asset classes like office. We just did one on on on the office apocalypse and people like that because there's no education fee, there's no subscription, there's no upsell. People come join us. They learn a lot. And occasionally during one of these webinars, if you have a multifamily project that we are doing, we mention it for about 30s. And if that sounds like it's interesting, you can, you know, jump in and you know and participate. But otherwise, you know, there's a lot of tens of thousands of people that have never participated with us in any of our projects that come and join us at this ecosystem of learning called multifamily EW.com.   Speaker 2 (00:42:22) - Neal Bawa, Gro Capital and multifamily EW.com. It's been informative, just like it was the last time you were here. It's been great having you back on the show.   Speaker 1 (00:42:32) - Thanks for having me on, Keith.    

Recorded live at e-flux Screening Room on Tuesday, September 5, 2023 during a retrospective screening of selected works by Laure Prouvost. The pre-screening introduction by Amal Issa and Laure Prouvost is followed by a conversation between the artist and writer-curator Kathy Noble. The screening portion of the program featured a selection of works spanning the last decade: OWT (2007, 3 minutes), Finger Point Green (2010, 3 minutes), They Parlaient Idéale (29 minutes, 2019), Every Sunday, Grandma (2022, 7 minutes), OMA JE (You, My, Omma, Mama, Shadow Does, and A Walking Story) (2023, 22 minutes). Language—in its broadest sense—permeates the video, sound, installation, and performance work of Laure Prouvost. Known for her immersive and mixed-media installations that weave in film in humorous and idiosyncratic ways, Prouvost's work addresses miscommunication and ideas becoming lost in translation. Playing with language as a tool for the imagination, Prouvost is interested in confounding linear narratives and expected associations among words, images, and meaning. She combines existing and imagined personal memories with artistic and literary references to create complex works that muddy the distinction between fiction and reality. At once seductive and jarring, her approach to filmmaking employs layered storytelling, quick edits, montage, and wordplay, and is composed of a rich, tactile assortment of images, sounds, and spoken and written phrases.    Laure Prouvost (b. 1867, Lieumeconu, France) lives and works. Here a long list of museums and institutions. A line, interesting things, a coma, a line, a list of residencies and prizes. A selection of solo projects including: an Oma-je in Vienna, a flying Grandma in Oslo, Esmé Blue in Busan, Helsinki, and Madrid, an elastic arm hold in tight in Copenhagen, a Swallowing and Breathing in Eindhoven, a Smoking Mother in Copenhagen, a Melting Into Another in Lisbon and Sonsbeek, an Occupied Paradise in Aalst, Deep See Blue Surrounding You in Venice, Toulouse, and Lille, a Waiting Room with objects in Minneapolis, a New Museum for Granddad in Milano, a tearoom for Grandma in Derry, a karaoke room in Brussels, a new octopus ink vodka bar for Gregor in Rotterdam, A travel agency for an Uncle in Frankfurt, a lobby for love among the artists in the Hague and Luzern… tea bags, and wet floors and tentacules. Kathy Noble is a curator and writer based in New York, currently working as Senior Curator at Performa. There she previously served as Senior Curator and Head of Curatorial Affairs to oversee the program and curated numerous commissions. As Curator, Interdisciplinary, at Tate Modern she co-curated Tate Modern Live, The Long Weekend Festival, and Art in Action, the first program in The Tanks spaces. In 2016 she launched the inaugural Art Night festival with the Institute of Contemporary Arts, London, presenting ten site-specific projects at venues across Westminster. She has published numerous essays in books and magazines such as Artforum, frieze, and Mousse Magazine.

In this episode of Unstoppable REI Wealth, host Billy Alvaro brings on board Bobby Suarez, a successful fix and flip wholesaler with nine years of experience. Bobby's secret to success lies in his strong team and killer marketing platform that generates highly motivated leads. With an impressive 25 deals closed per month, Bobby proves the effectiveness of his strategies. This conversation is all about scaling and branding in the real estate industry. Bobby shares his backstory, emphasizing his 21 years of experience in the field. They discuss lead flow strategies, the importance of dedicated roles for acquisition agents, and the challenges of follow-up calls and note-keeping. The speakers also delve into TV PPC marketing, the profitability of rehab projects, and the benefits of TV advertising. Tune in as they provide valuable insights into team dynamics and personal growth in the real estate investing business. - Bobby Suarez: Successful fix and flip wholesaler with a strong team and killer marketing platform (South Florida)- Roles and responsibilities within a real estate investing business, introduction of field manager, lead flow specialization- Volume of leads, conversion rates, monthly transactions, increasing presence of Novations- Six-figure profit margins, light renovations, quick sales conversion cycles- TV advertising, branding, and building trust; underwriting process and using a Performa spreadsheet- Simplifying property acquisition and rehab process, South Florida market dynamics- Rising property values, staying in cruise control, venturing into hard money lending- Importance of work-life balance and positive company culture, team motivation and camaraderie- Recognizing individual achievements, different personality types, connecting with Bobby Suarez online Connect with BobbyWebsite: https://www.selltobobby.com/Email: bobby@selltobobby.com And after that head on over to...https://easysell411.comhttps://billyalvaro.comhttps://billyssecrets.comWho knows maybe you will be our next partner?To get some neat (and FREE) Tools | Tips | Tricks to help you in REI!

Zone 2 Training adalah olahraga aerobik dengan target denyut nadi/jantung atau heart rate yang spesifik. Ini adalah latihan untuk endurance para atlet atau yang recreational. Zone 2 Training ini ternyata banyak banget manfaatnya buat kesehatan dan performa. Mungkin selama ini yang banyak dibahas oleh para sport atau exercise enthusiasts. Tapi kami percaya olahraga di zona 2 ini juga perlu diketahui semua orang yang mau sehat. Anyway, enjoy listening! Kalau kamu mau jadi bagian movement podcast sehat seutuhnya (PSETUHNYA), kalian bisa support podcast ini di ⁠⁠⁠⁠⁠⁠⁠⁠⁠sini⁠⁠⁠⁠⁠⁠⁠.⁠⁠ Untuk yang mau konsultasi di Utuh Health ⁠⁠di ⁠⁠⁠⁠⁠sini⁠⁠⁠⁠.

Tracey Rose, born in South Africa, is best-known for her revolutionary performative practice which often translates to and is accompanied by photography, video, installation, and digital prints. Often described as absurd, anarchic, slapdash and carnivalesque, Rose's work explores themes around post-coloniality, gender and sexuality, race and repatriation. Tracey was born in Durban, South Africa. In 1990 she joined the Johannesburg Art Foundation before obtaining a B.A. in Fine Art from the University of the Witwatersrand in Johannesburg in 1996. In 2004 Tracey attended The South African School of Motion Picture Medium and Live Performance and later obtained her Master of Fine Arts, Goldsmiths College, University of London, UK in 2007. Tracey currently lives and works in Johannesburg, South Africa. Tracey has taken part in several residencies including the WysingArts Centre, Cambridgeshire, UK (2014);  DAAD, Berlin, Germany (2012/13); Darb1718, Cairo, Egypt (2012); Cruzes, Montevideo, Uruguay (2011); KhojInternational Artists Workshop Vasind, India (2005); Africa 2005 Residency, The London School of Hygiene and Tropical Medicine, London, UK, (2004); Hollywood Hills Horrorhouse, Los Angeles, CA, USA (2001); Fresh, South African National Gallery, Cape Town, South Africa (2001) and OK Centrum, Linz, Austria (2000). Tracey has exhibited widely internationally, most notably, May You Live in Interesting Times South African National Pavilion, the 58th La Biennale di Venezia, Venice, Italy (2016); Body Talk -Feminism, Sexuality & Body, 49 Nord 6 Est -Frac Lorraine, Metz, France (2016); False Flag, Art Parcours, Art Basel, Basel, Switzerland (2016); Toro Salvaje, Museum of Modern Art, Buenos Aires, Argentina (2016); Reina Sofi­a Museum, Madrid, Spain (2014); Waiting for God, Johannesburg Art Gallery, Johannesburg, South Africa and Bildmuseet, Sweden (2011); Rose O'Grady (with Lorraine O'Grady),Goodman Gallery, Johannesburg, South Africa (2011); Lubumbashi Biennial, Lubumbashi, Democratic Republic of Congo (2017); Performa 17, New York, USA (2017); Documenta14, Athens, Greece and Kassel, Germany (2017); 11th Biennale de Lyon, Lyon, France (2011); Afro Modern: Journeys through the Black Atlantic, Tate Liverpool, Liverpool, UK (2010); StedelijkMuseum Amsterdam, Netherlands (2008); Africa Remix, The Haywood Gallery, London, UK and Centre George Pompidou, Paris, France(2005); and Africaine, The Studio Museum, New York, USA (2002) to name a few.

Ep.145 features RoseLee Goldberg, world-renowned art historian, critic and curator and Founding Director and Chief Curator of Performa. Launched in 2004 to create a highly visible public platform for contemporary art and performance by artists, Performa, has changed public and academic perception of performance art with its exciting city-wide Biennial, ground-breaking commissions, publications, and original arts-broadcasting platform. Performa has inspired the establishment of performance departments in cultural institutions around the globe. Goldberg's many publications include her pioneering book, Performance Art: from Futurism to the Present, first published in 1979 and now in fourteen languages; Laurie Anderson (2000), and Performance Now; Live Art for the 21st Century (2018). Former director of the Royal College of Art Gallery in London and curator at The Kitchen in New York, Goldberg has organized performance series at the Museum of Modern Art, The Guggenheim and Garage in Moscow. Her many awards include Chevalier of the Order of Arts and Letters from the French Government, Yoko Ono's Courage Award for the Arts, the Agnes Gund Curatorial Award, and the title of Honorary Advisor to the Ministry of Culture, Taiwan. A graduate of the Courtauld Institute, Goldberg has taught at NYU Steinhardt since 1987. Photo Credit: BFA Performa https://www.performa2021.org/ Wikipedia https://en.wikipedia.org/wiki/Roselee_Goldberg Ocula https://ocula.com/magazine/art-news/tschabalala-self-on-her-play-for-performa/ NYU https://steinhardt.nyu.edu/people/roselee-goldberg ICI https://curatorsintl.org/about/collaborators/4327-roselee-goldberg e-flux https://www.e-flux.com/announcements/510183/fellowships-at-performa-in-new-york/ Copenhagen Contemporary https://copenhagencontemporary.org/en/event/roselee-goldberg/ Book https://www.amazon.com/Performance-Art-Futurism-Present-Third/dp/0500204047 Harvard Books https://www.harvard.com/book/performance_art_from_futurism_to_the_present_world_of_art/

James discusses eBay finds: Performa desk mats, AST Mac86, and Summer 93 Apple Catalog. James shares his Apple coffee mug collection, and news includes the Lisa anniversary and code release as well as Nanoraptor creations. Join our Facebook page, follow us on Twitter, watch us on YouTube, and visit us at RetroMacCast.

Debora talks with artist Zachary Fabri who is an interdisciplinary artist engaged in lens-based media, language systems, and public space, often complicating the boundaries of studio research, and social practice. This context specificity often yields work that includes design, drawing, photography, video, and installation. Fabri's work has been exhibited at Art in General, The Studio Museum in Harlem, El Museo del Barrio, The Walker Art Center, The Brooklyn Museum, The Barnes Foundation, and Performa. https://www.zacharyfabri.com/ www.instagram.com/zacharyfabri/ www.artistpraxis.com

Ep.122 features Tschabalala Self (b.1990 Harlem, USA) lives and works in the New York Tri-State. Self builds a singular style from the syncretic use of both painting and printmaking to explore ideas about the Black body. She constructs depictions of predominantly female bodies using a combination of sewn, printed and painted materials, traversing different artistic and craft traditions. The formal and conceptual aspects of Self's work seek to expand her critical inquiry into selfhood and human flourishing. Recent solo exhibitions and performances include Le Consortium, Dijon (2022); Performa 2021 Biennial New York City, New York (2021); Baltimore Museum of Art, Baltimore (2021); ICA, Boston (2020); Hammer Museum, Los Angeles and Frye Art Museum, Seattle (2019).  Photo credit: Tschabalala Self at Le Consortium, 2022. Photo by Daniel Gurton Artist https://tschabalalaself.com/ Pilar Corrias https://www.pilarcorrias.com/artists/tschabalala-self/2/ NewExhibitions https://newexhibitions.com/e/59842 Le Consortium   https://www.leconsortium.fr/en/make-room Galerie Eva Presenhuberhttps://ep-viewingroom.exhibit-e.art/selected-public-exhibitions/tschabalala-self14#tab:slideshow Performa2021 https://www.performa2021.org/artists/tschabalala-self Kings Cross https://www.kingscross.co.uk/event/tschabalala-self-sculpture-installation FT https://www.ft.com/content/2cdecb28-d7cc-4820-8667-91610f210ab8 Christian Defonte  https://christiandefonte.us/Tschabalala-Self-x-Avant-Arte-2022 The Guardian https://www.theguardian.com/artanddesign/2022/oct/03/hip-hop-honeys-sitting-political-sought-after-tschabalala-self Exhibition en France at Consortium Museumhttps://www.youtube.com/watch?v=Fd0Icd3ehFU Avant Arte https://avantarte.com/story/seated NYTimes https://www.nytimes.com/2022/04/21/t-magazine/tschabalala-self.html Studio Museum Harlem https://studiomuseum.org/article/tschabalala-self Vogue https://www.vogue.com/article/tschabalala-self-ugg-collaboration-first-look ARTnews  https://www.artnews.com/list/art-news/artists/frieze-los-angeles-2022-best-booths-1234619515/tschabalala-self-at-galerie-eva-presenhuber/   Bard https://www.bard.edu/news/tschabalala-self-12-talks-sewing-collage-and-the-creative-life-with-t-the-new-york-times-style-magazine-2022-04-26 Brooklyn Museumhttps://www.brooklynmuseum.org/calendar/event/artists_eye_tschabalala_self Frieze https://www.frieze.com/article/tschabalala-self-sounding-board-performa-2021 Brooklyn Rail https://brooklynrail.org/2022/04/art/Faith-Ringgold-with-Tschabalala-Self Whitewall https://whitewall.art/art/avant-arte-and-tschabalala-self-debut-a-public-art-program Artnet http://www.artnet.com/artists/tschabalala-self/

We are not what we think we are. Our self-image as natural individuated subjects is determined behind our backs: historically by political forces, cognitively by the language we use, and neurologically by sub-personal mechanisms, as revealed by scientific and philosophical analyses. Under contemporary capitalism, as the gap between this self-image and reality becomes an ever greater source of social and mental distress, these theoretical insights are potential dynamite. Shifting his explorations from the sonic to the social, amplifying alienation and playing with psychic noise, artist and performer Mattin finally lights the fuse. The noise is here to stay. Alienation is a constitutive part of subjectivity and an enabling condition for exploring social dissonance—the territory upon which we already find ourselves, the condition we inhabit today. Mattin speaks (and sings) to Pierre d'Alancaisez about his performance score Social Dissonance, in which the audience is the instrument and the legacy of the Marxist theory of alienation. Mattin is an artist, musician and theorist working conceptually with noise and improvisation. Through his practice and writing, he explores performative forms of estrangement as a way to deal with structural alienation. Mattin has exhibited and toured worldwide. He has performed in festivals such as Performa and Club Transmediale and lectured in institutions such as Dutch Art Institute, Cal Arts, Bard, and Goldsmiths. Mattin is part of the bands Billy Bao and Regler and has over 100 releases on different labels worldwide. He co-hosts the podcast Social Discipline. Mattin took part in 2017 in documenta14 in Athens and Kassel. Information on the Social Dissonance concert at Documenta 14 A video recording of one of the performances Social Discipline podcast Pierre d'Alancaisez is a contemporary art curator, cultural strategist, researcher. Sometime scientist, financial services professional. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/performing-arts

We are not what we think we are. Our self-image as natural individuated subjects is determined behind our backs: historically by political forces, cognitively by the language we use, and neurologically by sub-personal mechanisms, as revealed by scientific and philosophical analyses. Under contemporary capitalism, as the gap between this self-image and reality becomes an ever greater source of social and mental distress, these theoretical insights are potential dynamite. Shifting his explorations from the sonic to the social, amplifying alienation and playing with psychic noise, artist and performer Mattin finally lights the fuse. The noise is here to stay. Alienation is a constitutive part of subjectivity and an enabling condition for exploring social dissonance—the territory upon which we already find ourselves, the condition we inhabit today. Mattin speaks (and sings) to Pierre d'Alancaisez about his performance score Social Dissonance, in which the audience is the instrument and the legacy of the Marxist theory of alienation. Mattin is an artist, musician and theorist working conceptually with noise and improvisation. Through his practice and writing, he explores performative forms of estrangement as a way to deal with structural alienation. Mattin has exhibited and toured worldwide. He has performed in festivals such as Performa and Club Transmediale and lectured in institutions such as Dutch Art Institute, Cal Arts, Bard, and Goldsmiths. Mattin is part of the bands Billy Bao and Regler and has over 100 releases on different labels worldwide. He co-hosts the podcast Social Discipline. Mattin took part in 2017 in documenta14 in Athens and Kassel. Information on the Social Dissonance concert at Documenta 14 A video recording of one of the performances Social Discipline podcast Pierre d'Alancaisez is a contemporary art curator, cultural strategist, researcher. Sometime scientist, financial services professional. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/art

Welcome to today's Cloud Based Real Estate Brokerage TOPOS & TALK #30- I have so many things going through my head every day about Real Estate that I just want to get it all out. I get asked so many questions about real estate every day. And, coach so many agents that it's time to answer all of those in depth questions while I sip on my Topo Chico.In today's episode I do a deep dive into What Made Me Realize How Grateful I am for eXp Realty. I just have to tell you that this is the greatest real estate brokerage opportunity on the planet, as well as the greatest real estate brokerage in the world. And the reason that I'm saying is because about a new brokerage that popped up (and I should take a look at them), it was a franchise real estate brokerage and had told me that they had a guaranteed revenue share. I become interested so I met with the brokerage and they walked me through their entire program. And what they're guaranteed revenue share program was it was basically a finder's fee for bringing agents to the brokerage, or referring them to the brokerage and got a one time payment annually for the agents. So if these agents went on a split like 85/15 split, 80/20 split or 90/10 split. You will have $600 annually per agent if they went on 100% fee based option and you will received anywhere from $1200 to $5000, depending on what 100% option they took and it was based on volume. I was doing the math my results from that is I've personally recruited 94 agents. My results would be 50, about $55,000 annually from their option and currently at eXp my revenue share is about a little over $400,000 annual average right now and this is just revenue share that I'm referencing right now. The thing that I thought was super interesting is they were showing what I said during that Performa. If I want to partner with an agent, say in Miami, do I have to own the franchise in Miami and employ the Disney managing broker? They said, yes you do. And this was my biggest problem with the franchise world and why I came to Exp was because I could expand without being a franchise owner and employing the Designative managing broker or being that myself. What they said was indicative of what a franchise like. Why I hate the franchise world is because what they said is we advise our agents or our franchise owners to be the designated managing broker so they can save. The real estate industry is moving and shaking people to go crazy. People are making all sorts of wild moves, so if you're looking at taking your business to the next level or you know looking to scale up even start your real estate. You know how to reach out to me!  Want to see over 200 free videos teaching you about Real Estate? Go here: https://www.youtube.com/channel/UCaL1DGiCW-HVgqeaLuHUfJA Want to see over 500 free videos teaching you about YouTube for Real Estate? Go here: https://www.youtube.com/c/CHANNELJUNKIESYOUTUBEFORREALESTATE To learn more about our courses and trainings schedule call here: https://calendly.com/channeljunkiessalesWant to partner with us at eXp and get all our training and coaching free? Tell me more here: https://forms.gle/iNvf9deaHULDHsH68 Or email jesse@realagentnow.com and say you came from the podcast!

James, John, and Ron discuss eBay finds: Sears print ad, Radius display card for SE/30, and Performa 560 Money Magazine Edition. Ron from Ron's Computer Videos talks about his Universal Plus/SE/Classic TTL Video Adapter, and news includes Jason Snell's old Mac nostalgia, A-Max Mac emulator for Amiga, and Susan Kare exhibit. Join our Facebook page, follow us on Twitter, watch us on YouTube, and visit us at RetroMacCast.

During Wilson Jones's tenure as CEO of Oshkosh Corporation, he led the charge to adopt a people-first culture. “Performing cultures are good but performing around healthy cultures are even better.”  This episode is presented by Performa (now EUA), a purpose-driven architecture and engineering firm. As you listen, you'll quickly understand why, even though he's retired, CEOs keep calling Wilson for advice on how to shift their cultures. First and foremost, Wilson says if the desire for change isn't genuine, if leadership doesn't model the behavior, and if the suggestions don't come from the bottom up, it won't happen. As the conversation unfolds, you'll learn how this culture shift began with listening to front-line employees and acting on their desire to be engaged, developed and connected. You'll also learn how lasting culture change happens through building relationships so your team feels like they're doing meaningful work with people who care. You'll also hear their journey of creating a new global headquarters that supported this culture shift. Book Recommendation:  Everybody Matters by Bob Chapman Good to Great by Jim Collins Additional Resources:  Click here for photos of Oshkosh's Global Headquarters: https://www.eua.com/projects/oshkosh-corporation/ Learn more about the PeopleForward Network: www.peopleforwardnetwork.com