General term for rules, including delegated legislation and self-regulation
“If we have done anything wrong, send your man to my man and they can fix it up.” This is the first story of President Theodore Roosevelt's Square Deal: “corporate regulation.” J. Pierpont Morgan hates economic volatility. He's determined to eliminate that plaguing element from some of his railroad lines by making the competing Union Pacific a friend. He'll do so by creating a stockholding company called “Northern Securities.” But is this an illegal trust? Or just good business? Teddy and his Attorney General are determined to make the courts figure it out. At the same time, a massive coal strike in Pennsylvania threatens to plunge the nation into a deadly fuel shortage this winter. Protests and riots are sure to come if this isn't resolved. In an ironic twist, Teddy finds there's only one man who can help him solve the situation … the very man his administration is taking to court, J.P. Morgan. Can these two powerful New Yorkers push past the lawsuit to solve a national crisis? We shall see. Learn more about your ad choices. Visit megaphone.fm/adchoices
Citadel's Ken Griffin brutally chastises SEC Chair Gary Gensler over crypto regulations. Attorney John Deaton has filed a motion letter asking the judge in the SEC Ripple case to let him write a brief on behalf of the 67,300 XRP holders. Biden Administration wants Crypto Exchanges to separate customer and corporate funds.Sponsors
Terra/Luna is the false flag these dummies needed to manufacture consent and make it seem like the public is clamoring for flash regulation of crypto, when really the public is just tired and wants to be left alone. But they pay the public no mind. Gotta please their central bank masters who photographed them all those years at Epstein Island and other places. Gotta keep their Pfizer stock high. These people have been subhumans toward the rest of us.https://facebook.com/FulcrumNews — listener communityhttps://fulcrumnews.com/subscribe — premium newsletter content, David's real email address, and other perkshttps://amazon.com/author/davidseaman — Read “Winner Take All” and the other original research books FULCRUM has released over the years!Some of you have asked for our show's updated tipping addresses:BTC:18xyJ9B28qDcv7fz2YKXFezvDFH99NghUiLTC:LZUVw7RzkEGjBNLTKSC4F2Snp7igDJ5PL7ETH:0xd39D8010340102287Cfdd4DB59616257794198cFFiats/cards: https://paypal.me/davidseaman
Emily Hamilton Emily Hamilton is a Senior Research Fellow and Director of the Urbanity Project at the Mercatus Center at George Mason University. Emily's research focuses on urban economics and land-use policy. In this episode we talked about: -Emily's Bio & Background -Land use regulation -The evolution of zoning regulations -Single Family Housing Ownership -Housing Regulations Challenges -Affordable Housing -Rent Control -Vacancy Decontrol -Policy Restrictions -Accessory Apartments -BANANA - Build Absolutely Nothing -Anywhere Near Anybody -Resources and Lessons Learned Useful links: Book: “Green Metropolis” by David Owen https://www.mercatus.org/scholars/emily-hamilton @ebwhamilton Twitter Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, my name is Jesper galley and you're listening to working capital the real estate podcast. My special guest today is Emily Hamilton. Emily is a senior research fellow and director of their abandon the project at the Mercatus center at George Mason university. Emily's research focuses on urban economics and land use policy. And she joins us today to talk about housing in the United States and a little bit more broadly in general, in Canadian and other north American markets. Emily has, how's it going today? Emily (48s): Good. Thanks for having me, Jessie. Jesse (50s): Yeah. Thank you so much for, for joining the podcast for listeners that aren't, aren't familiar with your work at Emily. Maybe you could give us a little bit of a high level description of how you got into the space that you're in right now, as it pertains to, you know, economics land use policy and the like Emily (1m 9s): Sure. Yeah, I'm an economist studying mostly the effects of land use regulations, local zoning roles and their effect on housing affordability. I first got interested in this policy area when I wound up in an internship in the planning department of my hometown in Colorado, before that I really had not been aware that all of these local zoning roles have such a large role of shaping what our cities and neighborhoods look like. But once you learn about all the intricacies of rules, like parking requirements and height limits and setback requirements, it's really changes. I think how, how we see the built world around us. Jesse (1m 60s): So I've always been fascinated with urban economics, as it relates to the work we do in commercial real estate. A triumph of the city was, was a book that was recommended to me a few years ago. I thought it was another interesting avenue into how these policies that you're describing or that you research play into the actions of individuals. And I guess economics in general, how that, how people kind of adapt and the incentives that we set up, how people use those incentives and collectively make certain decisions. Maybe you could give us a little bit of a background of land use regulation in general. You know, we didn't invent the wheel and suddenly somebody is like, you need three meters or four feet to build a that there. So what was kind of the evolution of, of a lot of the modern policies that, that we see? Emily (2m 49s): Sure. In the U S context, the first zoning regulation was implemented in New York city. There were land use regulations prior to the New York ordinance, but that's the first one that looks like what we think of as a complete zoning ordinance today. And that was in 1916 in New York. But when that went into effect, there were already people in other localities across the U S thinking about implementing these types of, of land use restrictions and the spread very quickly across the country. After that land use ordinances started off being focused primarily on Euclidean zoning. So separating different types of land uses from each other, having office districts and industrial districts and residential districts, but got much more binding over time to the point that in the 1940s, fifties, sixties, we see much more focus on single family zoning and large lot single family zoning becoming the kind of defacto primary land use designation in, in localities across the country Jesse (4m 15s): And the, the restrictions or the zoning itself. It sounds very similar to kind of the local environment that we have in, in my area in Toronto. But I think across the, across the country here and across the United States, the, the push for these different types of zonings at the, when they first started was the push primarily from a government standpoint, was it from a, you know, a developer standpoint who, what was the thrust or the lobbyists that were pushing for these initial zoning ordinances? Emily (4m 47s): In the New York context, there was an organization called the fifth avenue commission that was made up primarily of the owners of very fancy department stores on fifth avenue. And they were concerned that garment workers who worked in factories, making clothing, primarily Jewish immigrants were spending too much time near their fancy department stores because these garment manufacturing buildings were right up next to these department stores because the manufacturers wanted to be able to see what was going on in the department stores. You know, what, what do people want what's selling? What should we be making? So they pushed the, the fifth avenue commission pushed for zoning in an effort to prevent the factory workers from being, from working so close to where their stores were. And this is something that's really a common thread throughout zoning is we're separating land uses directly, but we're separating people on the basis of their income or whatever background factors people have indirectly. Jesse (6m 7s): So you could sorry, go ahead. Emily (6m 10s): Oh, no, no, please. Jesse (6m 12s): So I was just going to say, you can have what seems to be an innocuous regulation that would have a disparate income on, on, you know, different types of people, different classes of people, like you said, income or, or other classifications. Emily (6m 25s): Exactly. Yeah. Us lawyers refer to this as being facially neutral, that it doesn't look like these regulations are enforcing segregation on the basis of race or income, but they are indirectly. Hmm. And then following the fifth avenues commission or concurrent with the fifth avenues commissions work and efforts to implement this stoning ordinance in New York city, there was also a lot of work in the federal level led by the Hoover administration initially in the U S to support the adoption of zoning rules across the country. And that really became ingrained in, in federal housing policy, following world war two, when the federal government limited its underwriting of mortgages to locations that implemented land use regulations that met with federal standards. And that included single-family zoning as one, one factor that the federal government saw as lowering risks of mortgage default. Jesse (7m 50s): So I'm curious about that because there is one distinction. I mean, there's a few distinctions between the Canadian and us context when it comes to real estate. One of the big ones is the fact that if any main Freddie Mac, you have government agencies that do encourage home ownership, where in Canada or crown corporations, they don't encourage home ownership. They encourage affordable housing, a very European take of, of the U S version. I'm curious though that the impetus to have that type of housing policy or the result of that housing policy, I know through Bush, through Clinton, the percentage of home owners have, has gone up and down. It's kind of, I think in the 70% area in that time, I'm not sure what it is today, but was there a reason that there was, there was such favoritism to single family housing and ownership in the states? Was that just something in the DNA, you know, as a country, Emily (8m 46s): I wish I wish I had a better answer to why that is such an important part of housing policy in us history. Perhaps it goes all the way back to kind of Jeffersonian ideal. So a nation of landowners, but it, yes, it, it goes very far back in, in us housing policy that there is a federal objective of encouraging and subsidizing home ownership rather than the broader lens of government policies that support housing affordability, regardless of whether it's rented or owned. Jesse (9m 33s): So like all regulation, I feel like most of the time it be gets more regulation and then that regulation gets more regulation. Where do you see the w what do you see the state of regulation? I didn't know. It's a huge question because there's so many different states with different regulation, but are there a couple areas that you focus in your research that you think these are, these are some of the biggest issues or the biggest challenges or problems with housing regulation in the states or land use regulations? Emily (10m 5s): Yeah. Well, I think one place where we really see the, the issue of regulation, begetting more regulation is in inclusionary zoning. I'm not sure what that looks like, or if there's a comparable policy in Canadian cities, but in the U S it's becoming more and more common for localities to require a certain percentage of units in a new development to be affordable to households, making a certain level of income, is that being implemented in Canada. Jesse (10m 39s): And I'm not sure if this would tie in. I find a lot of times they're similar things with different names, but a lot of, you know, if you're, if you are buying a, an apartment building, tearing it down and putting up condos, you have to rental replace that you have rental replacement there, as there is a certain percentage of new developments that need to be affordable housing, like you're saying, and then some, some good and not so good policy outcomes of that, you know, cause then it's, you know, sometimes you have the lottery system of people that, you know, how you determine what's affordable, not, and is not affordable sounds, you know, similar or scary sounds easy. It's, you know, this amount of income, but then what happens when you have more people than, than units available. So, yeah, I think, I think we're, we're very similar on that front. Emily (11m 25s): Yeah. What I've studied inclusionary zoning in the Washington DC region. And what I found is that localities that have adopted this policy have experienced faster rising market rate housing than what they could have expected without the policy. So this policy that's intended to help housing affordability is making the problem worse for all the households that don't get to benefit from the inclusionary zoning units. And similarly, those are generally allocated by lottery here. I wouldn't say that inclusionary zoning is one of the primary regulations to worry about. I think that minimum lot size requirements and in general, having a very small amount of, of land area in many localities where multi-family housing can be built are, are the primary causes of housing affordability problems in the U S but we can just see with inclusionary zoning that the, as you say, regulation breeds more regulation and it becomes this web that gets harder and harder to untangle as opposed to tackling the exclusionary zoning rules more directly. Jesse (12m 58s): Yeah, I was reading today. I think it is being proposed like usually very seemingly at least my point of view, not to get political, but seemingly radical ideas that our, our government has talked about. Basically not allowing or putting more a moratorium on foreign investment in real estate in Canada. And what I'm curious about is you have these regulations and the actually actual ability to create affordable housing. I'm not sure if you're aware of it, or if there are other American cities that are similar, but in Toronto we call it the shadow rental market, it's condo ownership and where somebody like you and I might buy a condo and rent that condo because a pretty insane stat to me is that 90% of the, or 85% of the rental stock in Toronto in the greater Toronto area, you know, 3 million in GT, even more people, 85% of that rental stock was built prior to 1990 or sorry, 1970. So we have extremely old rental stock. We cannot build enough multi-family and it's reflected in the pricing. And when we put these government policies in, and this is where I think it's like a lot of U S cities where we put these government policies and, and say, you got to build a certain amount of affordable housing, but at the same time, you won't allow, you know, David and Janet that own a house just outside of Toronto, like have a rental in their basement. You know, that regulation is more cumbersome where you can call the one affordable housing, but you could easily say that you can unlock affordable housing and other ways from a regulatory standpoint, any thoughts on that? Emily (14m 36s): Yeah, absolutely. Sometimes people in the U S call it capital a affordable housing. When we're talking about housing that is designated to be affordable to people, making a certain income level. Versus I often prefer to talk about housing affordability, which is just having an abundance of housing that fits within people's budgets comfortably and allows them to live in a place where they have access to their own best opportunities, as opposed to housing. That's set aside on the basis of your exact income. Jesse (15m 17s): Yeah. Now we had a Richard Epstein on from NYU. I think he's at Hoover now, but he was basically giving us a history of the New York rental or rent control. And it was at the time, I think we're right in the Biden presidency was talking about the eviction moratoriums and a lot of the listeners who are investors, you know, there's that frustration at that time. One thing I love about the states is that it's exactly that you have different states. If you like policies in Florida, you can go to Florida. If you like plot policies in Washington, you can go to Washington in the Canadian context. We're pretty uniform when it comes to rent control. I'm pretty sure every province has some version of, of rent control policies. Has your work touched at all into kind of the, the actual policies as it pertains to landlord and tenants within, within locales? Emily (16m 10s): No. I have not done a lot of research on tenant landlord law generally, or rent control more specifically, but I am familiar with, with some of the research, particularly in the bay area on rent control. What's been the case. There is, it seems that rent control does have benefits for reducing displacement among households in rent controlled apartments, unsurprisingly. But this comes at the cost of reducing the overall supply of rental housing by both discouraging investment in new rental properties, and also encouraging the conversion of apartment buildings to condos. So sometimes when, when people are creating policy, they think that, well, as long as we don't apply rent control to new construction, we won't affect a supply, but there are always ways to reduce the supply of rental housing, if you give landlords a motivation to do so. Jesse (17m 30s): Yeah, that has been, it's been a policy I know in some states, but also up here that, you know, that caveat, you know, we're going to have rent control or rent stabilization, but we're going to let you build, you know, new construction is not going to be it's, it's not going to apply to new construction. And for, from at least as best I can tell that really doesn't make developers feel, give them the warm and fuzzy, because it just gives them the idea that so wait, you can put that policy in place and take it away just as quickly. Emily (17m 58s): Exactly. Yeah. Now there haven't been a couple of cases in the U S where reforms on the supply side have been paired with relatively liberal rent stabilization laws. So for example, the state of Oregon passed a statewide law that applies to many of its localities, replacing single families owning with two to four unit zoning, depending on the exact situation of the locality. And that was paired with rent stabilization that I believe is limited to CPI the rate of inflation plus 5%. So that's pretty, you know, it's going, Jesse (18m 46s): I was going to say, we would take that all day. Emily (18m 48s): Yeah. Yeah. That's going to stand in the way of some rental increases that landlords would, would want to do, but not a lot. So it's relatively minor rent stabilization in exchange for liberalization of some local zoning rules. Jesse (19m 8s): Yeah. It's always fascinating to me where, I mean, that example to me, I would, I would take that every day of the week with us right now, the way our rental stabilization works is that we are pretty much a CPI, inflation, inflator, or numbers, really all, you can raise it by. And the only time you could really mark to market your rents or, you know, have them, you know, if you had a tenant for a long time, that was under market, the only way you can move that up is if a tenant vacates. So you are pretty much stuck until you have a vacancy and to further complicate that once your tenant is done their term and they're on month to month, you can not just the victim if they choose to stay. So we're in a weird position where, and I have, I have sympathy as a landlord, as an investor. I have sympathy for individuals and their security of having a, having a home and having a place. But it also, you know, like everything where the policy has to these outcomes that you don't expect. And, you know, part of that is, is maybe people not following the rules explicitly or doing other things because, you know, they're, they're not investing in upgrades to their buildings and, and the likes. So yeah, it's, it's definitely one of those complicated things, but we would definitely, we would definitely take that over kind of what we have right now, which is, I think as of 20, 22, this year, we're allowed to raise rent 1.2%. So, I mean, you look at the world that's kind of happening around us. It's not, it's not a really significant increase. Yeah. Emily (20m 46s): Yeah. New York state recently reformed their rent control policy and set big limits on vacancy decontrol. And one thing that we're seeing now in New York city is some building owners are requiring new tenants to go through brokers and to pay a several thousand dollar fee to, to start renting an apartment. So it's kind of like key money from, from the old day. Jesse (21m 22s): Yeah. And for those that don't know, when you say vacancy decontrol, you're talking about what, what kind of, I was alluding to there that, that when a, a unit becomes vacant, you can now capture that higher rent with a Newton. Is that right? Emily (21m 36s): That's right. Yes. There are still some conditions. I believe where with a certain level of renovations buildings can, or units can go back up to, to market rate, but there, it's very difficult now to increase rates even when, when you get a new tenant in New York city. Jesse (22m 0s): Yeah. And in fairness, I should, I should have been clear. You reminded me, we call them AGI as above guideline increases. You have to show that you've done enough work that, you know, shows that we can raise above the posted guideline. But it's funny you say key money. I mean, that is exactly what I'm talking about from, from an economics point of view where a very similar thing it was, I'm not sure if you're familiar, but in, on the brokerage side, when office real estate was really crazy, three, four years ago, and people tenants or couldn't find space fast enough, we were, I think 1.7% vacant. What started to happen was subleases where most institutional landlords don't allow you to profit. Once they achieved their rent, they couldn't profit. So suddenly furniture that would probably cost 5,000 was costing 500,000. So, you know what I mean? It would be like one of those things where, okay, here's the lease deal. And here's the side agreement for furniture for a hundred thousand. And it's really, you look at the value of furniture is pretty much nil after it gets used for seven years. Emily (22m 59s): Right? Exactly. And one thing we see in the U S context is that the places where rent stabilization laws and tenant protections more broadly are the strongest regions like New York, Boston, San Francisco, these are probably the parts of the country where it's worst to be a tenant or someone looking for a new apartment, even though on paper, it might look like they offer a lot of benefits to tenants. Jesse (23m 33s): Yeah, no, that's a great point. It's again, it really goes back to a lot of these policies. I find it, you know, anytime a government policy happens, I feel like there should be a committee that just analyzes the things that you don't expect to be an implication of the policy, because oftentimes it seems like the exact opposite is the outcome of the intent. Emily (23m 53s): Yeah, definitely. Jesse (23m 54s): So why don't we move? We move over to a little bit of on the policy side, the work that you do, you know, you're, you're looking at urban economics, you're looking at land use regulation from a policy prescription outcome. Are there certain things that you think are more effective than others or certain things that you've researched that you find is in the literature that is really a path forward for, you know, for the states or, you know, by, by extension other markets? Emily (24m 26s): Yeah. In the U S there's been a lot of recent focus on allowing a little bit more density in single family neighborhoods. And with very good reason, as we talked about this is often the largest zoning designation at least of a residential land in us cities. And we, we talked about its history of being a tool for segregating residents on the basis of their income directly and by race or background indirectly. But in, in some cases it's difficult for, to, to craft these reforms in such a way that they actually lead to a lot of new housing getting built. So for example, there's been a lot of work to permit accessory dwelling units in the U S this has been really successful in some cases in Los Angeles, perhaps most notably following a lot of state-level reforms that required localities across California to make it easier to build accessory dwelling units. They're really taking off in LA and in some other parts of the state, but we see a lot of accessory dwelling unit knit ordinances at both the state and the local level that are not getting units built because they place a lot of limits on how these units can be built. And in some cases make it really hard to finance these units. I am more optimistic about reducing minimum lot size as a tool to get more housing being built in, in areas that are currently zoned for single family housing relative to allowing ADU or duplexes or triplexes or fourplexes on these lots in part, because there are so many ways to make it difficult to build those additional units on a lot. And in part, because I'm reducing minimum lot size and allowing a single lot to be subdivided into more, lots fits very naturally with a lot of home builders and home buyers or renters model as compared to something like ADU use or duplexes that are going to require some changes to the, the home building industry and what people are expecting. Not that those, those changes would be bad by any extent, I think duplexes are wonderful, just they're not, they haven't been proven to lead to a lot of new housing construction in the U S context in many cases. Jesse (27m 32s): So I'm curious about that when you say the, the minimum lot size, a lot of the regulation that we have. I mean, one, when you want to say, add density to a site, a lot of times, you know, parking requirements, you may need a variance. You may need to actually go to a committee of adjustments. Then the other piece of it is, you know, certain areas will have X time coverage that they're allowed to have on a certain site. So when you say reduce the lot size, and are you talking, so you have this single family, you know, say it's half an acre, are we talking about severances where you could separate and have different uses for that for different severed pieces? Emily (28m 10s): Yes. In, in the U S context, it's usually called subdivision. So splitting that say half acre, lot into, you know, four, 5,000 square foot lots. Jesse (28m 25s): Okay. And, and that, so just to back up your first point there on accessory apartments, I think we've one of the first rental properties I bought was in close to the university of Waterloo for, for anybody that's, it's about an hour and a half west of Toronto. And I remember we had an accessory apartment attached to the single family home. And I remember, you know, we have other apartment buildings that we own now, but I remember at the time that I had to do more to get that approved, or like the annual maintenance on that of fire code, exit egress, you know, the, the licensing fee for that accessory apartment unit. But I guess the alternative is, is worse. If you, if you don't even have, we're not even allowed to actually have the accessory apartments. Emily (29m 11s): Right. Certainly I live in Washington DC and here the big barrier on building accessory apartments is that the natural place to put them is in the basements of DC row houses. But there have to be a certain ceiling height met in order for a basement to be a legal place for one of these, even if it has like its own front door, it is, seems to be the perfect location for a little, but if the ceiling's not tall enough, it won't get permitted there. And it costs over a hundred thousand dollars generally to dig out the basement to raise the ceiling height, which is just a lot of investment in what we want to see as an easy, low cost way to add a housing unit. Jesse (30m 3s): Yeah. I think it gets back to the parental aspect of government. It's. I mean, I come from the commercial real estate world, so it's easy for me to say, we're so used to this idea of contracting adults. You know, if I want a five foot ceiling, you know, I have signed an agreement for five foot ceiling, but, you know, I always picture like John Stossel and like 2020 when I was a kid where like, you know, you've got to protect the consumer. So there's like this balance of individuals that, you know, the governments that wants to protect, but also have the ability to have consumer demand be met, whatever that demand is. Emily (30m 36s): Certainly. Yeah. And I think there's very much a role for governments to set some safety standards in housing, particularly with things that are hard to observe, like, you know, the, the building being, being sound, not at risk of collapse or anything, but with things like ceiling Heights, that's very easy for a prospective tenant to observe assuming they can, can visit the, the apartment where at least the landlord would be required to disclose ceiling Heights below a certain height. But that's something that people can very much decide if it's worth it to them to save some money on rent by having an apartment that's maybe not as ideal as, as all of us would like, or if they want to pay more to live elsewhere. Jesse (31m 35s): Yeah. I, it just gets back to this idea of the government is so, so far removed from, you know, when you have a regulation that says this, this, this, that needs to be two inches taller to conform to, to, you know, to the rules in that area. And you know, on the other side, you have a mechanic in that shop saying, I work here every day. This is the way it should be, or that is acceptable. You know, for that context, I wanted to touch base on this before, before we end the podcast, what is the state of, well, I've heard a new one. I don't know if I was listening to you on the podcast, but nimbyism not in my backyard. This kind of, you know, seems to be every, no matter what city you go to, there's some aspect of this, but was it you, that was talking about banana? Emily (32m 20s): I'm not sure Jesse (32m 21s): You're Emily (32m 22s): Familiar, familiar with, Jesse (32m 23s): Could you, could you define that or just tell our listeners what that term means? Emily (32m 27s): Yes. A banana means build absolutely nothing anywhere near anyone. And we, we see this, Catherine Einstein is a professor in, in the Boston area and she and her colleagues wrote a great book called neighborhood defenders, which talks about nimbyism going beyond just people, opposing things, right near their house in their almost literally in their backyard or that are, are going to have a big effect on their immediate area and moving towards the broader goal of, of stopping development more broadly, when we see demands for things like growth caps on a locality's general population as a whole, that gets into banana territory, Jesse (33m 26s): Go ahead. Caps. I've actually never heard of that term. Is that the, for the actual, like the real estate stock or, or the individual amount of people? Okay. Emily (33m 35s): Stock of housing, Boulder, Colorado has a famous one here. Jesse (33m 40s): Wow. So the, okay, so the nimbyism piece, I live in an area in Toronto that is if 30 years ago, or even less than that, it was a very industrial area, not particularly great in terms of crime. This is in the east end of Toronto. And now it is a very bougie area you're in queen east. It's kind of, a lot of boutique shops are in this area. And it seems like the individuals that were living there 20, 25 years ago slowly shifted more and more east and are kind of getting to that point where 15 years ago, a lot of people that moved into this area, they wanted the inexpensive housing, but now, you know, they want it built for them. But now that it's built for them, they don't want any more building for them. So how do we, you know, what is the solution to these type of PO or these types of outcomes, because it's just seems no matter what happens when you go into an area and gentrify, it just seems that the people that end up getting comfortable in that area, you know, it, then the buck stops with them from their point of view. Emily (34m 44s): Yes, certainly a problem in, in many us cities as well. I think the, the solution is to move land, use decisions up to higher levels of government, perhaps a provincial level in Canada, because when land use decisions are made, particularly at a neighborhood level, the, the benefits of new housing being built are very far off. They're not going to go to the people who live in that neighborhood. They're going to go to the people who are going to live in say a new apartment building, who, who knows where they live right now. And they're going to go to the people who build the apartment building and firms who can hire workers, because they have a place to live that they can afford in that area. Whereas at the local level, the costs of housing construction are very visible and highly concentrated in the people, particularly who live right next to that new development. So at higher levels of, of government, it, it's easier for people to see that we need new housing and we need to weigh the benefits of that new housing against the costs, not just consider the costs alone. Jesse (36m 7s): You know, that's, that's pretty fascinating in that if, if you're a more free market oriented kind of person in real estate, and it's very counterintuitive to you because it's almost like you for, for most decisions, at least from my kind of my view is that it's better to have it at the, at the most granular level. But it sounds like in this case, it's, it's kind of similar to political capture that yes, that is the case. You should have it granular, except once these people move in, they're captured by their own, whatever it is, like the, they, they just, they don't want any more. And it's, I think it's a very human thing. You know, they have their, their situation, but, you know, when it, before they moved in yeah. Build, you know, for my house that is in that area. So it seems like it's almost, it is like a bit of capture that the people that end up moving to these areas and gentrifying them, they don't want anything else to happen after, you know, they, they close on their dealer, you know, they're living there for a few years. Emily (37m 3s): Yeah, that's right. And what we've seen with some state level reforms in the U S is state governments setting limits on the extent to which local governments can block housing construction. So essentially the state government is protecting individual property owners rights from some local level limits. So in a way it's devolving decision-making to an even more local level down to the individual property owner. Jesse (37m 35s): Yeah. That's great. It's also this idea of like a lot of these, these groups that are consider themselves these kind of community activist groups, oftentimes politically are left leaning. And that's one of the things that triumph of the city I thought was, was so compelling in that book was talking about how, how much more green cities are to rural areas. It's very counterintuitive because when somebody thinks of the city, I think of the godfather reunion was just, or a series was on TV. And I, to your point of Jewish immigrants, Italians, too, where you look at these tenements in New York, that's what you think of, oh, it must be a very polluted, very bad area. Where if you look at the output, I guess, per acre of, of greenhouse gas emissions, it's much, much worse outside of the city. Emily (38m 22s): Yes, that's right. And unfortunately, in, in the U S I'm sure in Canada, too, the places where carbon emissions per person are lowest, are also places where it's extremely difficult to build more housing and therefore extremely difficult for more people to live in these places where they would be using less carbon. Jesse (38m 46s): Yeah. And, and we have, we have a lot of things in land is one of them, but yeah, it would definitely be, be the case as well. Well, I want to be mindful of the time here before we let our guests go. We typically ask four questions, they're softballs, so don't worry. And, and then we'll, we'll, we'll connect our listeners to wherever they can kind of reach out to find your work and go from there. So if you're okay, I'll kick us off. Emily (39m 12s): Yeah. Sounds good. Jesse (39m 14s): So since you're in the academic space as well, maybe this will pertain not just to the real estate industry, but what's your advice for younger individuals that want to get into our industry, and maybe let's focus it on a, on a academic point of view, a academic stream. If somebody wants to get into research or wants to get into the type of work you do, you know, what, what type of things would you encourage them to do while they're, you know, say pre pre college or in college? Emily (39m 41s): I would definitely recommend internships in, so either in the field where they want to work, or if they're interested in, in academia in say a think tank or in working with a professor, for example, at their university over the summer, both as a, a good way to make the connections that they would need to get a job in that field later. And as a way to, to try it out without making a big commitment, like signing up for grad school. Jesse (40m 19s): Yeah. Which is which that is a, what is a podcast or book that you are really digging or recommending right now? Emily (40m 27s): Well, on the topic of the environmental efficiency of urban living, I'd recommend the green metropolis by David Owen Jesse (40m 38s): Pretty much. Okay. And we'll put a link up to that. One thing that you know, now in your career, whether it's business real estate academics, that you wish you knew when you, when you started out, Emily (40m 53s): I wish that I had gotten more involved in Twitter earlier in my career. Housing. Twitter is such a great resource for, for learning about the industry. Particularly from, from my standpoint, as I'm reading, I'm studying the effects of land use regulations. It's really helpful to be able to follow home builders, infill developers on Twitter and see how these regulations are affecting their work. Jesse (41m 26s): You're also in Washington DC, which I think Twitter is just table stakes. Okay. Emily first car make and model Emily (41m 34s): Honda accord. Jesse (41m 35s): Oh, that was a quick answer. Perfect. I feel like that question. I always ask that because I w I like Barry Ritholtz on a master's of business and Bloomberg, and that's the last question. And it's funny how we're now phasing into the point where people are like, that's a bit of an offensive question, like with the younger generation, as we're getting to the point where, like, we, we don't drive cars, so I'm like Emily (41m 56s): No longer on a car. Jesse (41m 58s): Oh, there you go. Fair enough. So Emily work in people reach out aside from a Google search to, to take a look at your work or, you know, see what you're up to. Emily (42m 8s): Well, by most of my work is email@example.com, where I have a scholar page and links to my, my research in shorter form writings there. And as I mentioned, I am very into housing, Twitter, and I'm on there at E B w Hamilton. Jesse (42m 27s): My guest today has been Emily Hamilton, Emily, thanks for being part of working capital. Emily (42m 32s): Thanks so much, Jesse. Jesse (42m 35s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one take care.
Melissa speaks with Aseem Prakash and Tosca Bruno-van Vijfeijken about how governing boards of aid organisations can “govern well.” They discuss the power dynamics present in any group of humans, embracing difference and true diversity, prioritising lived experience, modelling behaviours, and asking smart questions. Professor Prakash studies NGOs and nonprofits, and voluntary/private regulation, environmental policy and climate governance. He is a widely published author. He has a B.A. (Hons) in Economics from St. Stephen's College, University of Delhi in 1986 and MBA from the Indian Institute of Management, Ahmedabad in 1988. Since 2002, he has served on the faculty of the Department of Political Science at University of Washington, Seattle. He won the European Consortium for Political Research Standing Group on Regulatory Governance's 2018 Regulatory Studies Development Award that recognises a senior scholar who has made notable "contributions to the field of regulatory governance." To learn more about Aseem, check out his website: http://aseemprakash.net. He edited a symposium for Regulation & Governance on Dysfunctional Institutions here https://onlinelibrary.wiley.com/toc/17485991/2016/10/2.Tosca Bruno-van Vijfeijken is an experienced INGO and philanthropic actor-focused consultant, leadership development trainer, and coach, change management expert, author, evaluator, and analyst with strong knowledge of international development, civil society organizations, leadership development, organizational development/organizational change, social development and gender and leadership. Co-author of ‘Between Power and Irrelevance: the Future of Transnational NGOs', with Hans Peter Schmitz and George Mitchell, and published by Oxford University Press (July 2020). Co-author of several academic articles in peer-reviewed journals; author of many practitioner-oriented reports, blog posts, and essays. Podcast host of ‘NGO Soul+Strategy'. To learn more about Tosca, check out her website: https://5oaksconsulting.org/about-tosca/ Tosca's essay on culture as an explainer for INGO scandals: https://www.degruyter.com/document/doi/10.1515/npf-2019-0031/html?lang=en Tosca's essay for the CIVICUS State of Civil Society report related essay (2019): https://www.civicus.org/index.php/re-imagining-democracy/overviews/3371-internal-democracy-within-transnationally-operating-non-governmental-organisations-are-we-as-democratic-as-we-think And the episode featuring Tosca's and Aseem's conversation on the virtue narrative: https://podcasts.apple.com/fr/podcast/037-we-need-to-rethink-the-virtue-narrative/id1498390711?i=1000558519586 To learn more about the CHS Alliance work on organisational culture and well-being, see:https://www.chsalliance.org/get-support/article/cultivating-caring-compassionate-aid-organisations/***Thanks to Ziada Abeid for editing the show, and to Johannes Plenio for his photo of oak trees on Unsplash.***
A code of conduct for the "buy now, pay later" (BNPL) industry will be launched in the second half of this year. BNPL transactions, where consumers make purchases on instalment, came to S$440 million in 2021, out of S$103 billion in credit and debit card payments overall. On Tech Talk, Prime Time's Timothy Go and Bharati Jagdish spoke with Andrew Burlison, Senior Director of Payments, Market Planning, LexisNexis Risk Solutions on what the impending ‘Buy Now Pay Later' regulation means for banks and other financial institutions. See omnystudio.com/listener for privacy information.
The Green Party has launched a Bill to regulate the display of electoral posters during elections and referendums. The Regulation of Display of Electoral and Polling Posters and Other Advertisements Bill 2022 aims to cut waste and "even the playing field" for small party candidates. It was proposed by Green Party Senator Pauline O'Reilly, who joined Sean to explain the reasoning behind the bill. Listen and subscribe to Moncrieff on Apple Podcasts, Google Podcasts or Spotify. Download, listen and subscribe on the Newstalk App. You can also listen to Newstalk live on newstalk.com or on Alexa, by adding the Newstalk skill and asking: 'Alexa, play Newstalk'.
This is our Wednesday show, where we niche down to a single topic, think about a question and unpack the rest. This week, Natasha asked: How do digital health startups build in a post-Roe world?The question comes after Natasha's recent Startups Weekly column, "When your startup's core mission is set to be overturned." The piece explores the ripple effects of the looming Roe v. Wade overturn, specifically in how it impacts startups. But, let's not hypothesize. We brought on Kiki Freedman, the CEO and co-founder of Hey Jane, to answer our big questions about building, raising, and existing when so much regulatory scrutiny is weighing on your business. A direct-to-consumer health company that specializes in the delivery of abortion pills, Hey Jane about to kick off its fundraising process which makes for an interesting tension. The startup - especially today - really sits in the middle of two intense moments: an overturn to Roe v. Wade would threaten all of its work, and a toughening, risk-averse VC market could be a hurdle toward next financing.Enjoy the show, and let us know if you like this interview format. Also, here's the Found interview that we referenced during the show as well!
Bitcoin BlockChain and Crypto Talk Show with Robbie Campbell and peter Mingils on Building Fortunes Radio Weekly Internet show is a podcast that is on Building Fortunes Radio with Robbie Campbell and Peter Mingils. Digital Currency and the Regulation on Blockchain Bitcoin Crypto Talk Show Peter Mingils on Building Fortunes Radio https://www.buildingfortunesradio.com/crypto-talk-show/ This is a previous radio show to check: https://www.buildingfortunesradio.com/crypto-talk-show/robbie-campbell-and-dan-anderson-on-trading-platform-potential-crypto-talk-show-with-peter-mingils-3895 Robbie Campbell's main site is https://CryptoTalk.Show The MLM news website is something to look at https://mlm.news You can buy the best MLM Leads at https://www.networkleads.com with Peter Mingils (386) 445-3585 In addition, for quality Network Marketing Adertising and website traffic go to: https://www.youmongusads.com and the other MLM Ads site: https://www.youmongusads.net Some of the best leads you will find will also come from MLM Free Speech https://www.mlmfreespeech.com
Three things to know today Cyber attacks appear for financial gain – plus one on iPhones even when off Several new tech regulation laws as public sentiment shifts AND Microsoft Sustainability efforts – do customers care? Want to get the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on: Facebook: https://www.facebook.com/mspradionews/ Twitter: https://twitter.com/mspradionews/ Instagram: https://www.instagram.com/mspradio/ LinkedIn: https://www.linkedin.com/company/28908079/
In this episode, Mike shares with us how he moved through challenging life experiences into a deeper connection with God from within + what sort of therapeutic modalities this led him to... as well as what the hell Chiron Retrograde has to do with this!!!! Connect with Mike Hynes Read his book "The Myth-Guided Mind: Unleash Your God-Given Genius at Work and at Home": https://amzn.to/3sk2NrF Book a discovery call with him: michaelhynes.ca Find him on LinkedIn: https://www.linkedin.com/in/mike-hynes-196b353/ Connect with Danielle
Chief Legal Officer Dan Gallagher joins Fintech Beat to talk about what changes in the economy and regulation mean for the company. Learn more about your ad choices. Visit megaphone.fm/adchoices
Some state and local governments are regulating short-stay accommodation as a way to help increase the number of properties available for permanent rental. Limits are being set on who can let out their properties in this way, and for how many days of the year. Is regulation a good idea and how does it work in practice?
------------------Support the channel------------ Patreon: https://www.patreon.com/thedissenter PayPal: paypal.me/thedissenter PayPal Subscription 1 Dollar: https://tinyurl.com/yb3acuuy PayPal Subscription 3 Dollars: https://tinyurl.com/ybn6bg9l PayPal Subscription 5 Dollars: https://tinyurl.com/ycmr9gpz PayPal Subscription 10 Dollars: https://tinyurl.com/y9r3fc9m PayPal Subscription 20 Dollars: https://tinyurl.com/y95uvkao ------------------Follow me on--------------------- Twitter: https://twitter.com/TheDissenterYT This show is sponsored by Enlites, Learning & Development done differently. Check the website here: http://enlites.com/ Dr. Tanisha Fazal is a Professor of Political Science at the University of Minnesota. Her research and teaching focus on sovereignty, international law, medical care in conflict zones, and armed conflict. From 2021–2023, she is also an Andrew Carnegie Fellow. She is the author of State Death: The Politics and Geography of Conquest, Occupation, and Annexation; and Wars of Law: Unintended Consequences in the Regulation of Armed Conflict. In this episode, we focus on Wars of Law. We talk about the history of laws of war, and particularly declarations of war and peace treaties. We discuss their goals, the perverse incentives they introduce, their effects on rates of war initiation, who are their framers, and their biases. We talk about how rebel groups engage with them, and people that should be included in the future. We discuss several problems with Pinker's decline-of-war thesis. Finally, we ask if laws of war disincentivize or try to eliminate war. -- A HUGE THANK YOU TO MY PATRONS/SUPPORTERS: KARIN LIETZCKE, ANN BLANCHETTE, PER HELGE LARSEN, LAU GUERREIRO, JERRY MULLER, HANS FREDRIK SUNDE, BERNARDO SEIXAS, HERBERT GINTIS, RUTGER VOS, RICARDO VLADIMIRO, CRAIG HEALY, OLAF ALEX, PHILIP KURIAN, JONATHAN VISSER, JAKOB KLINKBY, ADAM KESSEL, MATTHEW WHITINGBIRD, ARNAUD WOLFF, TIM HOLLOSY, HENRIK AHLENIUS, JOHN CONNORS, PAULINA BARREN, FILIP FORS CONNOLLY, DAN DEMETRIOU, ROBERT WINDHAGER, RUI INACIO, ARTHUR KOH, ZOOP, MARCO NEVES, COLIN HOLBROOK, SUSAN PINKER, PABLO SANTURBANO, SIMON COLUMBUS, PHIL KAVANAGH, JORGE ESPINHA, CORY CLARK, MARK BLYTH, ROBERTO INGUANZO, MIKKEL STORMYR, ERIC NEURMANN, SAMUEL ANDREEFF, FRANCIS FORDE, TIAGO NUNES, BERNARD HUGUENEY, ALEXANDER DANNBAUER, FERGAL CUSSEN, YEVHEN BODRENKO, HAL HERZOG, NUNO MACHADO, DON ROSS, JONATHAN LEIBRANT, JOÃO LINHARES, OZLEM BULUT, NATHAN NGUYEN, STANTON T, SAMUEL CORREA, ERIK HAINES, MARK SMITH, J.W., JOÃO EIRA, TOM HUMMEL, SARDUS FRANCE, DAVID SLOAN WILSON, YACILA DEZA-ARAUJO, IDAN SOLON, ROMAIN ROCH, DMITRY GRIGORYEV, TOM ROTH, DIEGO LONDOÑO CORREA, YANICK PUNTER, ADANER USMANI, CHARLOTTE BLEASE, NICOLE BARBARO, ADAM HUNT, PAWEL OSTASZEWSKI, AL ORTIZ, NELLEKE BAK, KATHRINE AND PATRICK TOBIN, GUY MADISON, GARY G HELLMANN, SAIMA AFZAL, ADRIAN JAEGGI, NICK GOLDEN, PAULO TOLENTINO, JOÃO BARBOSA, JULIAN PRICE, EDWARD HALL, HEDIN BRØNNER, DOUGLAS P. FRY, FRANCA BORTOLOTTI, GABRIEL PONS CORTÈS, URSULA LITZCKE, DENISE COOK, SCOTT, ZACHARY FISH, TIM DUFFY, AND TRADERINNYC! A SPECIAL THANKS TO MY PRODUCERS, YZAR WEHBE, JIM FRANK, ŁUKASZ STAFINIAK, IAN GILLIGAN, LUIS CAYETANO, TOM VANEGDOM, CURTIS DIXON, BENEDIKT MUELLER, VEGA GIDEY, THOMAS TRUMBLE, AND NUNO ELDER! AND TO MY EXECUTIVE PRODUCERS, MICHAL RUSIECKI, ROSEY, JAMES PRATT, MATTHEW LAVENDER, SERGIU CODREANU, AND BOGDAN KANIVETS!
The Boys are back as the Crypto World is ending, have you secured your bags?The Bitcoin Podcast Social MediaJoin-Slack: https://launchpass.com/thebitcoinpodcastPatreon:https://www.patreon.com/TheBitcoinPodcastNetworkWebsite: http://thebitcoinpodcast.com/Twitter: https://twitter.com/thebtcpodcastDADDAO: https://daddao.org/
Recorded live at Electricity Canada's 2022 Regulatory Forum at the beginning of May 2022, episode 61 features a conversation with Dr. Monica Gattinger and Michael Cleland, principal authors of the report “Net Zero: An International Review of Energy Delivery System Policy and Regulation for Canadian Energy Decision Makers,” commissioned by Electricity Canada and the Canadian Gas Association, with support from Natural Resources Canada. We discuss some learnings from experience in UK, Western Australia, and New York State, who pays what, when and how for net zero, and their recommendation for the creation of a national regulatory task force. We close the conversation with some audience questions, and a book recommendation from Mike; Monica gave me her book recommendation on episode 53, and I'm just at the final chapters of that book.
We all want something to be safe. But what does it mean to be 'safe?' The safest thing you can do is ... nothing! Just stay in bed and you are less likely to be murdered, killed in a car crash et cetera. But this doesn't really work. So again ... what does it mean to be 'safe?' The post SOR 757 No Such Thing as Safe appeared first on Accendo Reliability.
The current outlook in the markets is... shaky at best. War in Europe. Inflation and political instability in the USA. On top of that, Terra (UST) began its historic plummet—right in the middle of recording this episode. Raoul Pal of RealVision returns to Bankless to synthesize the widespread chaos in the markets, and helps us figure out how to position ourselves for these wild times. ------
Prof. Lance Bennett, Professor Emeritus of Political Science and Communication at the University of Washington, discusses the types of principled values that should guide platform regulation. We reflect on the disruptive ethos of tech companies and what that means for democracy. We also discuss theories of capitalism, recent changes in data privacy and third-party tracking, as well as the connection between digital technologies and protest parties. The article we discuss in the episode is Killing the Golden Goose: A Framework for Regulating Disruptive Technologies.
Happy Satiated Saturday! I remember coming home from parties in my college years and binging on food. It was a fast, disembodied, deep longing experience. I felt emotionally malnourished.Emotional satiation can come from feeling attuned to, understood, connected, appreciated, and heard. When this isn't happening, food can be a placeholder for all you're desiring emotionally.In this week's episode, I talk with Lacou Flipse about coming to food fed, meaning that we need to feel close and connected and intimate with ourselves first before eating. This can alter how, when, and why you eat. We also explore authentic vs inauthentic pleasure when it comes to food and so much more.You can also read the transcript to this week's episode here: https://www.stephaniemara.com/blog/coming-to-food-fedWith Compassion and Empathy, Stephanie Mara FoxKeep in touch with Lacou here:Instagram: https://www.instagram.com/lacouflipse/Website: https://www.enlightenedmunch.com/FB Group: https://m.facebook.com/groups/PEPGroupContact: Lacou@enlightenedmunch.comKeep in touch with Stephanie Mara here:Instagram: https://www.instagram.com/_stephaniemara/Facebook: https://www.facebook.com/stephaniemarafoxWebsite: https://www.stephaniemara.com/https://www.somaticeating.com/Linkedin: https://www.linkedin.com/in/stephmara/TikTok: https://www.tiktok.com/@stephaniemarafoxContact: firstname.lastname@example.orgSpecial thanks to Bendsound for the intro music in this episode. www.bensound.comSupport the show
With all the news that comes out of Washington DC, it is easy to see why payments-related items might not be at the top of everyone's minds. Nonetheless, a number of recent proposals, hearings, and releases show that the industry needs to be paying attention to what is going on beyond the headlines. In this episode we take a deep dive into some of these items with Brian Tate, the CEO of the Innovation Payments Association, and Brian Axell, of Axell Law, who has worked on compliance with Fintechs, issuing banks, and a variety of companies across the value chain. We look at the Consumer Financial Protection Bureau's recent Request for Information on Fees, and their assertion of power to regulate Fintechs. We get into the Biden Administrations proposal on tax reporting for Earn Wage Access, and we even dip our toes back into the Interchange waters. To read Brian Axell's blog on the EWA tax proposal, visit: Axell Law LLC | Biden Budget Plan Would Impose Earned Wage Access Tax Withholding Mandates on Employers
This week we are pleased to present part two of our conversation with Eric Tanenblatt. As a reminder, Eric is the Global Chair of Public Policy and Regulation at Dentons, the world's largest law firm. At Denton's, Eric started up an autonomous vehicle practice, which now collaborates with 70+ partners around the globe within the autonomous vehicle ecosystem. In this episode, Eric gives Jim a concise update regarding the current state of the growing autonomous vehicle industry and shares some insight on the progress of electric vehicles in the United States - with particular focus placed on industry leaders like Waymo and Cruise and their work in metro areas like San Francisco, Phoenix, and New York City. Check out Eric's writing on autonomous vehicles and keep an eye out for Denton's 'Global Autonomous Vehicle Index' here: https://www.thedriverlesscommute.com Have a suggestion, or want to chat with Jim? Email him at Jim@ThePoliticalLife.net Follow The Political Life on Facebook, Instagram, LinkedIn and Twitter for weekly updates.
Today on Good Morning Crypto… Bitcoin finding support, Insane Global Regulation, NASA enters the Metaverse Today on Good Morning Crypto… We will be discussing… UST Stablecoin loses nearly 40% of its value, as investors rush out of Anchor Protocol, and into other crypto assets. We break down what happened and what this could mean for crypto going forward. Michael Saylor, CEO of MicroStrategy, shares his lowest Bitcoin price target before the liquidation of company holdings, as Galaxy Digital CEO Mike Novogratz warns of “More pain to come” for the crypto market. 9 out of 10 Central Banks are exploring CBDC's, and nearly ⅔ predict a rollout in the “short to medium term”, and we share some deep insight on how our listeners can benefit the most while navigating a bear market. // Linqto https://www.linqto.com/?cjevent=b65ecbbec46011ec81b91b3a0a1c0e10 // TNNS https://www.tnns.pro/ /// T H E 3 T W A R R I O R A C A D E M Y 3t Warrior Academy: https://www.3twarrioracademy.com https://www.3twarrior.com //// F O L L O W T H E T E A M // Official Twitter Account Twitter: https://twitter.com/3tGMCrypto // Abs Instagram: https://www.instagram.com/Abdullah_3tCrypto/ // Mario: Twitter: https://twitter.com/NodeDefender Youtube: https://youtube.com/channel/UCnld-Xvam562HFQDOIBwymw Instagram: https://www.instagram.com/NodeDefender/ // Johnny Krypto: Link Tree = https://linktr.ee/johnnykrypto Twitter = https://twitter.com/JohnnyKrypto00 YouTube= https://www.youtube.com/channel/UCm-qyQNf1rnUaw6u20mKCVw // NFTtones: https://linktr.ee/NFTtones //// #Crypto #CryptoNews #Bitcoin #BTC #Ethereum #ETH #XRP #CryptoCurrency #Finance #Talkshow #NewsShow #money #finance Learn more about your ad choices. Visit megaphone.fm/adchoices
I give a brief review of moving news impression and analysis.HeadLIne News section; Interview with Leah for Shanti Yoga Love. We talk about her business how she uses Yoga to Help with Trauma recovery and than into many different aspects of Yoga and Yoga cultures and Regulation that affect her industry and business. Shanti Yoga Lovehttps://linktr.ee/shantiyogaloveHouse of Liberty T-Shirt Co.https://house-of-liberty-t-shirt.creator-spring.comPayPal Donate ..Please help support Constitutional Patriot Podcasthttps://www.paypal.com/donate/?business=TUURMZYGFKDFN&item_name=To+Support+my+Podcast+and+Education+of+Public+fight+for+Liberty¤cy_code=USDScott Harris Taxhttps://www.scottharristax.comSupport the show
In this week's episode, we dive into the latest market reactions; crypto panic, inflation gauges, and Fed announcements. We also share insights and market sentiment from our lending client symposium, featuring takeaways from industry experts at the Mortgage Bankers Association and the Atlanta Federal Reserve. In weekly CRE news, we dive into more negative stories for office, the hot or not industrial market, and retail headlines. Episode Notes: • Market headwinds (0:43) • Stocks that hit us over last few months (5:45) • Insights: Brian Bailey, Atlanta Fed (7:14) • Regulation update, Mike Flood, MBA (15:03) • Lending and originations sentiment (18:18) • Office news this week (20:42) • Industrial market update(31:24) • Shoutouts (40:00) Questions or comments? Contact us at email@example.com. Follow Trepp: Twitter: www.twitter.com/TreppWire LinkedIn: www.linkedin.com/company/trepp-llc Facebook: www.facebook.com/TreppLLC
K-Mac has an issue about some of the latest NIL news and regulation talk. What are university's responses to this and how are they handling it? Learn more about your ad choices. Visit megaphone.fm/adchoices
The Security and Exchange Commission is gearing up to crack down on crypto. But is the agency getting ahead of itself? James Czerniawski with Americans for Prosperity says the industry is complaining that there isn't any guidance for them, which makes it difficult to strike a balance between innovation and regulations. See omnystudio.com/listener for privacy information.
David Menzies and Sheila Gunn Reid return to discuss one of our favourite subjects: an MP behaving badly in the House of Commons. Also on the board for today is a poll showing that a majority of Canadians support the federal government's decision to regulate the internet, and Florida Gov. Ron DeSantis made an official "Victims of Communism Day" in the Sunshine State.
Garrett is joined by Brian Fencl, Professor of Art, and Director of the Nutting Gallery at West Liberty University. This week, Garrett and Brian dive into some of the reasons visual arts are so important for fly-over country. Are rural Americans portrayed fairly in art? Should the government continue to support the arts? Is it even possible to define what art is? All coming up in this episode of Forgotten America. Brian Fencl, @fenclstudio https://westliberty.edu/media-visual-arts/faculty/brian-fencl/ Nutting Gallery at West Liberty University, https://westliberty.edu/media-visual-arts/gallery/ Hosted by Garrett Ballengee @gballeng Produced & Edited by Tony Reed @treed1134 Executive Producer Amanda Kieffer @akieffer13 Follow: YouTube, Twitter, Facebook, LinkedIn, Instagram Support: Patreon, Donate, Newsletter
How can we balance athletic performance with personal growth? How do you keep sports fun? What are the advantages or disadvantages of being “pushed” versus “coached? What are the key elements that sports participation provide in developing social and emotional skills for every level of competition? Coach Joy Koh, Director of gymnastics at Camp Asia and shares that positive outcomes of engaging in sports, are developing curiosity and being resilient. Dr. Bhrett McCabe uses his background as a clinical training as a sports psychologist, to encourage athletes to gain perspective and apply successful lessons to life.
On this episode of Boxes and Lines, hosts Ronan Ryan and John Ramsay are joined by J.W. Verret, Associate Professor at the Antonin Scalia Law School and an expert on the SEC and fintech space. They discuss the history of disagreements between market participants and the SEC, governing the Web3 ecosystem, and using crypto for social good. Recorded March 8, 2022. Listen to more Boxes and Lines episodes at iexexchange.io/podcast.
On today's show: Regulation in the crypto market, the status of rent in America, understanding what a DAO is, the state of financial literacy, drone defibrillators, Jean's word of the week, cook, an interview with Invesco's Rene Reyna, and a lot more!InvescoTalk to Ric on His ShowTruth About Crypto
Join Hugh Ross and Jim Painter 1as they discuss new discoveries taking place at the frontiers of science that have theological and philosophical implications, as well as new discoveries that point to the reality of God's existence.
Eric Tanenblatt is the Global Chair of Public Policy and Regulation at Dentons, the world's largest law firm. He also leads the firm's US Public Policy Practice, leveraging his three decades of experience at the very highest levels of the federal and state governments. Eric also heads up the firm's 50-state practice. To name just a few of his accomplishments, Eric has served in the administration of three U.S. Presidents, as senior advisor to U.S. Senators and Governors, and helped coordinate the 2004 G8 Economic Summit, which was hosted in Sea Island, Georgia. In Georgia, Eric also served as chief of staff to the former Governor Sonny Perdue. Because of his deep roots in Republican politics in the state, Eric updated Jim on recent activity in the Georgia state legislative session, and provided some insight into the gubernatorial and senate races there. This is part one of a two part conversation, and next week Jim and Eric will chat about Eric's past work helping disruptive companies navigate the complicated laws and regulations surrounding the innovation economy – with a particular focus placed on Eric's work and writing around autonomous vehicles. Have a suggestion, or want to chat with Jim? Email him at Jim@ThePoliticalLife.net Follow The Political Life on Facebook, Instagram, LinkedIn and Twitter for weekly updates.
William Morice II, M.D., Ph.D., chair of the Department of Laboratory Medicine and Pathology at Mayo Clinic and president of Mayo Clinic Laboratories, joins the "Answers From the Lab" podcast for a leadership update with Bobbi Pritt, M.D. This week, Dr. Morice and Dr. Pritt discuss government regulation and oversight of lab developed tests, and review proposed legislation that would affect clinical laboratories.
Patrick Sullivan from A-LIGN compliance and security discusses privacy implications of modernizing HIPAA and how it will affect healthcare and goes into why its taken this long to update a regulation that was written a decade ago, Ben's story covers an eye-opening footnote from a 9th Circuit court case about internet content collection, and Dave's story is on the surprising number of warrantless searches the FBI conducted last year. While this show covers legal topics, and Ben is a lawyer, the views expressed do not constitute legal advice. For official legal advice on any of the topics we cover, please contact your attorney. Links to stories: Spy report: 3.4M warrantless searches of US data under FISA last year UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT
In the cryptocurrency news today California governor issues executive order on crypto as state embraces blockchain technology, Elon Musk tweets about bored ape NFTs, SEC boosts enforcement unit, Ripple release Q1 XRP report, Fed increases interest rates by .50%.Ron Hammond interview - https://youtu.be/IOkJE4y2aW8Sponsors