Podcasts about Senior

Tim Felderman has made his mark in the Dubuque area.  Tim first started out as a standout spanning many sports while at Dubuque Senior High School.  After his playing days, Tim went on and played at the University of Dubuque.  Tim was just elected in the Dubuque Senior Hall of Fame and still holds many records at the University of Dubuque.  After his high school and collegiate years were over Tim went on to coach at his alma mater that spanned over 14 years.  Tim talks about his ups and downs with the program.  He shares his greatest memories while at Senior.  Tim was always very active in the semipro circuit playing for the Rickardsville A's for 25 years.  Tim is often mentioned as one of the greatest athletes to ever come out of Dubuque.  Tim has bowled a 300, had a hole in one golf, and threw a Perfect Game in baseball. Find Us on Social Media: Facebook: Dubuque Area Baseball Podcast Twitter: @CoachManeman Instagram: Dubuque Area Baseball Podcast --- Support this podcast: https://anchor.fm/nmaneman/support

The sprawling, glittery new exhibit at the Brooklyn Museum, Christian Dior: Designer of Dreams, chronicles the designer's glamorous works as well as his relationship with America and American fashion. Senior curator of fashion and material culture Matthew Yokobosky joins us to discuss. The exhibit will be on display through February 20th 2022 at the Brooklyn Museum. 

Saptarshi Prakash aka "Sapta" is an engineer from the prestigious Indian Institute of Technology Madras. He chose Digital Experience Designing as his profession because problem-solving can go well beyond the limits of engineering. As a professional, he has worked with some of the well known startups of India like Housing.com, Zeta and many other big and small names around the world. Currently, he oversees consumer design at Swiggy, India's largest food ordering and delivery platform. Sapta has given 50+ UX talks/workshops at various places including big names like Amazon, Grab, Shopee, Practo, IDC IIT Bombay, IIT Guwahati, NID Bangalore etc.  CONNECT WITH SAPTARSHI PRAKASH (SAPTA)Connect with Saptarshi Prakash on LinkedInFollow Saptarshi Prakash on TwitterSubscribe to Saptarshi Prakash on YouTubeFollow Saptarshi Prakash on InstagramFollow Saptarshi Prakash on Dribbble LEVEL UP YOUR DESIGN CAREER (FREE EMAIL COURSE)Learn 7 proven strategies in 7 days to grow in your design career -https://levelup.designmba.show/

In this Sunday edition: Over the last several months, we've been investigating the long history of allegations of sexual harassment and racism at the Los Angeles Fire Department. We spoke to more than 20 sources, mostly women firefighters who detailed years of hostile ‘pranks', isolation, and harassment. They also told us about the retaliation that keeps it all quiet. Senior politics reporter Libby Denkmann sat down with Nick Roman, who hosts the p.m. edition of The L.A. Report, to talk about what she heard.  Support the show: https://support.laist.com/laistnav

Are your kids stressing about pics too? See omnystudio.com/listener for privacy information.

Senior manager of global events at Hubspot, Drea Hudson, discusses how the best in the business run their marketing events. Simply put, some parts of the community benefit from a systemic advantage. But that doesn't mean the others should not take up space. So today, Drea talks about diversity and inclusion and how that relates to your events. Show NotesConnect With:Drea Hudson: Website // LinkedInThe MarTech Podcast: Email // Newsletter // TwitterBenjamin Shapiro: Website // LinkedIn // TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Here are 3 Cool Stories for you!  LBF has good news if you are tired and have bags under your eyes! Is this Senior prank the best Rick Roll ever? Brian has the story! https://www.youtube.com/watch?v=2ddFrmOcT50 Bob found his hero, a guy who tried every cheesecake from the Cheesecake Factory and ranked them! All this and more on the ROR Morning Show with Bob Bronson, LBF, and Brian Podcast. Find more great podcasts at bPodStudios…The Place To Be For Podcast Discovery 

En esta ocasión nos acompaña Ignacio Saralegui, Estratega de inversiones Senior para América Latina de Vanguard, quien nos habló del entorno económico y su potencial en las decisiones de asignación de activos; sobre cómo tomar las diferentes variables económicas para traducirlas en decisiones de inversión concretas; las oportunidades en las distintas zonas económicas globales y los sectores más atractivos para invertir en estos momentos.Conducido por Salvador Leal. See acast.com/privacy for privacy and opt-out information.

Kerry Picket, Senior congressional reporter and fill-in host on Sirius XM Patriot, joined Shaun to discuss the lag in the supply chain. Then, Shaun exposes how Fauci has known for years that it takes a long time for proven vaccines to get created. Plus, Ted Cruz's fiery speech on voter integrity. See omnystudio.com/listener for privacy information.

Your favorite three man booth returns for another edition of This Week in the NFL! Cowboy is joined by Senior and the statuesque John D'Amato to take a look back at all the week five action and preview week six. Topics include a look back at Chiefs/Bills, the injury-ravaged Giants, Justin Herbert and a preview of Chargers/Ravens. Enjoy!

In this week's episode, host Steve Anglesey hears listeners' thoughts on Boris Johnson's recent jaunt to Marbella, most of whom weren't best pleased. Senior journalist for The New European Suna Erdem joins the podcast to discuss the situation in Poland and the seriousness of the threat of 'Polexit'. Is European populism in its final days and, back home, how much longer can the government emerge from poor decisions smelling like roses? These are both questions Suna discusses. Plus, Martin Daubney, Ann Widdecombe and Iain Duncan Smith all feature in the Hall of Shame this week. Enjoyed this episode and the podcast's new shorter, snappier format? Let us know by tweeting @TheNewEuropean

Senior manager of global events at Hubspot, Drea Hudson, gives her professional advice on event management. Hosting an event or conference, you want to add value. And while that can be your content, it's also about ensuring that you can keep your audience engaged and interacting. Today, Drea talks about how you can integrate audio and other multi-media into your events. Show NotesConnect With:Drea Hudson: Website // LinkedInThe MarTech Podcast: Email // Newsletter // TwitterBenjamin Shapiro: Website // LinkedIn // TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

It's time to go deeper in the things of God!

Joseph Biasi spends his Days Analysing Economic Trends and their Relationship with Commercial Real Estate for CoStar – the Leading Real Estate Data Analytics and Aggregator in the US.  In this episode we talked about: Joseph's Bio & Activity Commercial Real Estate Market Outlook Retail Property Analysis Industrial Real Estate Overview Interest Rates Government Policy Single Family VS Multifamily Real Estate The Effect of Inflation on Real Estate Investors Mentorship, Resources and Lessons Learned Useful links: https://www.costar.com 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. All right, ladies and gentlemen, welcome to working capital the real estate podcast. My special guest today is Joseph Biassi. Joseph spends his days analyzing economic trends and the relationship with the commercial real estate sector. And he works for CoStar advisory services. For those of you that don't know what CoStar is, they're the leading real estate data analytics and aggregator in the us. And I'm not sure if Canada as well, but I wouldn't be surprised we use them pretty much every day. They're our go-to for analytics, for properties, for research and a part of our underwriting process. Joseph, how's it going? Great. How are you doing? I'm doing great. Do I have that right, Joseph, in terms of CoStar where they're at today, maybe you could, you could let the audience know a little bit about your position there and CoStar in general and what you guys do. Sure. Yeah. Joseph(1m 10s): CoStar is a data analytics platform and a data vendor. We, we track pretty much every commercial building that we can at least get research on across the United States. We are moving into Canada as well, more and more. We're getting better coverage in Canada and as well as Europe, my job in particular is I sit on top of that data as a consultant. I'm a senior consultant with advisory services. And my job in particular is to advise client both developers as well as investors on macro economic and commercial real estate trends Jesse (1m 45s): Right on. Yeah. What I've noticed is we have, I think 84, 85 offices now, and we've, we've pretty much switched over completely to CoStar and that goes for Canadian and, and us markets, but it's definitely come a long way in terms of the coverage that we have at least, you know, in our major markets, you pretty much, you've got everything covered there. Speaker 1 (2m 7s): Yeah. I mean, we've been really pushing research recently. Speaker 0 (2m 11s): So this was, this was something we were at, we were at this panel and in new Orleans this past, I guess two weekends ago now, and we were talking about, you know, where, where people can find information, those people looking for deals in the market and a lot of, a lot of what we do on the investing side and not just in brokerage, but we'll, you know, when we tried to track down owners, a lot of times we're looking at properties on CoStar trying to find the beneficial, the true owners and reach out to them directly for off market deals. Speaker 1 (2m 38s): Yeah. So I, I, before actually, before I worked at CoStar, worked in brokerage. And so I was, I I've been a user, it's a fantastic site for anybody who wants to do any kind of real estate deals, right. On a little biased, but Speaker 0 (2m 52s): Yeah, a little biased. So in terms of the, the actual market, I thought what would be, will be just that would be useful and educational for our listeners is talking a little bit about what's been going on in the market over the last year or two and the outlook for the next, let's call it a mid to mid to longterm. And by longterm for me, I think five years, I don't think longer than that, but yeah. You know, let's talk a little bit about the commercial real estate market in general, over the last two years, how have things changed in terms of the data that you're seeing in terms of the way you approach the market and, and your analysis? Speaker 1 (3m 31s): Great question. Yeah. So, you know, when the pandemic hit, I think there was a lot of fear going around and that translated into a lot less commercial real estate deals, particularly in the office sector. Everybody began to work from home. We knew, we noticed a pretty steep drop off in transaction activity, which has since returned. And that's, that's pretty much been the story is we had this initial 20, 20 decline, a couple of, a couple of quarters of, you know, pretty severe transaction volume decline. And it's all become back effectively, but it's come back in a very different way. And that's the actual story behind what's happening in the commercial real estate market is if you look at the macro macro numbers, you know, total amount of transaction, the total transaction volume is back. But if you look at where that's happening, it's very different. For example, the Dallas Fort worth had more transaction activity in 2020, the first half of 2021 than New York. That's not normal. We're seeing, we're seeing those rooms moved down to, if you're talking about retailer, multi-family, we're seeing them move down to the south, the study United States, as opposed to, you know, the new York's and the San Francisco's of the world. Phoenix is another market we've seen, which is, I suppose, as a Western market, those, those Sunbelt markets are where we're seeing the most demographic growth. We're seeing the most transaction activity. And we're seeing the biggest pricing gains across all four, four major property types Speaker 0 (4m 55s): In terms of the, to go from geographic to the property types, if, you know, starting with retail, I guess. Cause that's, that's the one where when the pandemic first started, there was the big question of retail, which I think for, for the most part has been overbuilt. I don't think it's a surprise in the U S Canada. Canada's pretty. Yeah. I mean, we are as well, but I think we're somewhere in between the U S and in most European countries on a per square foot basis. But talk about retail, you know, how has that analysis been over the last, you know, call it a year to two years? Speaker 1 (5m 29s): I think retail, it, at least in my opinion is one of the most fascinating property types. Like, yeah, you're absolutely right. There needs to be some level of rationalization. If the landscape has changed, it is no longer the place where people go deep. The only place people go shopping to buy goods, that doesn't mean it's going away and there's still, I would argue opportunities. And I think that's the way we've been trying to, to talk about retail, which is look, you know, you're not, if you're looking at a class B or class seem, all those are going to struggle, but if you're looking at, you know, there's still good opportunities and you just, there's a lot more nuance and a lot more detail that you need to look into for a retail building the tenants matter so much in a retail building, even more than an office or an industrial building, because if you have a good grocery anchor, a neighborhood center in a well-populated area, that's still a good asset. And that, that I think has kind of been, under-reported just due to the fear around retail during the pandemic and the fear around retail because of e-commerce. Speaker 0 (6m 36s): Yeah. It's a, it's one of those things that we've always talked about that, you know, good grocery store, anchored retail. I can't imagine in a lot of these markets, if anything, they were a bit, some of those properties were buoyed by the fact that the only places that were open were the Walmarts or, you know, these grocery stores that were anchored. Speaker 1 (6m 54s): Exactly. And we're, you know, we are seeing, you know, returns to normal leasing patterns in the Southern states where, you know, where retail really does follow rooftops. And in those Southern states, we've seen pretty much a full recovery, and we've seen a pretty much a full recovery in terms of pricing as well. Whereas if you talk about, you know, these, these tertiary markets in the Midwest, or some of these coastal gateway markets that have really struggled during the pandemic, there's still, there's still losing people. They're still struggling to kind of recover. Speaker 0 (7m 25s): So have you seen, I know you, you track a lease terms and different differently structures. Have you seen a difference in the way that retailers are approaching their leases? You know, where you could have some retailers in the past doing 5, 10, 15, 20 year leases, has that, has that shifted or is it, is it too early to tell Speaker 1 (7m 43s): It's a, it's a little early to tell, just because we're, we're finally kind of getting back at least down south, but the, the tenants that they're looking for at certainly become far more focused on either, you know, necessity based retail, certain tenants like dollar stores. So these, these discount stores are doing really well. And then experience-based tenants have done are something that landlords are really looking into as a long-term longer-term play. At some point, this pandemic will become less and less, have less and less of an effect on the economy. And a lot of landlords believe that the future of real estate of retail is experiential. That you're drawing people there for something more than just a shopping experience. Speaker 0 (8m 28s): Does CoStar track the rezoning or reclassification of buildings in terms of, for example, one of the, one of the, the guesses that, you know, that we have is that retail and, and certain types of office buildings may be converted, maybe switch the use might be switched even in hospitality, potentially hospitality going to multi-family. But if do you track that type of thing? Speaker 1 (8m 54s): Yeah. It hasn't occurred as much as you would think, given the amount of airtime, not an ink that's been spilled on it. It really hasn't happened. It does happen, you know, so I went to college in Worcester and the Greendale mall in Worcester got turned into an Amazon distribution center, but that isn't really the rural quite yet. They're still working on that because, you know, it's, a lot of people think that a mall is going to turn into an industrial center, like a distribution center, and it's more likely to be knocked down and turned into multi-family center because it's still the highest and best use is, is multifamily for a dense urban area. We're, we're, we're starting to see some of these malls really struggle. Speaker 0 (9m 36s): Yeah. I think you're absolutely right with the amount of ink that's been spelled as a that's been spilled on it because it is one of those things, I guess, more of an academic thing. It's logical to think that okay. But I think the reality is you get in transaction costs the actual time it takes to convert these things. There's a little bit more that goes on with it. If you, if you kind of slide from retail, move into the, the office space. So my partner and I on the brokerage on predominantly work in office investment sales, as well as leasing, they, I don't, you know, despite some of, you know, what, what has been said last year, that markets haven't been affected. I just think a lot of people were saying certain things were, what we saw was a large, large drop-off in office. And not surprisingly, I'm assuming that's, that's what you S what you've seen. And if not, maybe you could provide some insight there. Speaker 1 (10m 26s): All right. No, absolutely. I, I, if you look at where most of the transaction activity has fallen off, it's been an office and it really has a lot to do with uncertainty. Right. It's, you know, what will work from home look like in five years from now, because if you, and you know, this probably better than I do, if you're buying an office for your leasing office, it's, it's a five to 10 year lease or three to 10 years typically. So you're, you're really guessing what's going to happen down the road. So when you're buying office, it's, it's a little scary right now. And I, I understand that the shop view for CoStar advisory services, and I do not speak for all of CoStar district health, say for CoStar advisory services, is that, you know, the office, there will be less demand for office because I work from home, but we don't believe this is the death of office everybody's going to be working remotely. And we also don't believe that. And I personally don't believe that, you know, these downtown offices are going to, you know, go away anytime soon. I I've in that downtown, these downtown clusters are going to severely struggle. I think the actual concern for office, if we want to think about where, where we might see struggle is those class B offices in urban areas that have less, that don't have as good a commutability score that aren't dark, aren't able to draw. Don't have the same amount of amenities. Those, I think are the ones that well, we think are going to struggle a little bit more. Yeah. It's funny. You Speaker 0 (11m 53s): Mentioned that I was having a conversation with a, with a colleague of mine. And I was, we were talking about that specific thing where a lot of suburban markets actually, haven't been doing particularly poorly with office and then these downtown connected, but there's, these Midtown markets are like these markets that are tertiary markets, that if, unless they have good connectivity, it's a really, you know, there's a question mark about how they'll do well, we've also seen though, is that the, the office side, like you were saying before, the underwriting has changed to the extent that, you know, we, they want to see is what type of tenant, what, you know, where are they in the lease? What are their rights? And, and it's funny too, that you mentioned five-year and then kind of went back to three-year because what we've seen is that, you know, when I started in brokerage, really, it was rare to find even three-year head leases. It was typically a five-year minimum. Where now, if one thing has happened from COVID, we've seen all kinds of different lease lease terms. Speaker 1 (12m 47s): Yeah. I mean, if you, if you think about going to selling a building, occupancy matters more than anything else, even, you know, that's the, that's the first and only thing I, if you have to take some rent losses, you'd rather take some rent losses and lose occupancy. So peop landlords are for office buildings are, you know, it is definitely a tenants market right now, but we, in terms of the, the urban areas, I think the reason they lose out is because the downtown offices have that commutability and then the suburban offices have that advantage of being able to drive to them. If I'm in, I'm in Boston, which is a famously difficult Metro to drive in. And there's no way I'm going to go drive to, let's say Brighton, which is just outside the main city to go to an office there, but I'd be willing to go to suburban office and I'd be willing to take the T down to than the downtown crossing, for example. Speaker 0 (13m 37s): Yeah, for sure. And you, you know, one thing too, is like we've had, what we've seen is that the CFO or COO, depending on, or the real estate, you know, facilities manager, whoever's dealing with the company's real estate. It has been a lot of like kicking the can down the road, because like you said, it's, it's, you're making a decision. That's going to impact five, 10 years. Whereas if you're buying an investment, one thing you can say is that interest rates are where they're at right now. You can, you can, you know, logically pursue maybe a little bit more risky investment, but for the people that work at a company, they're like, I'm not going to make a decision where in a year from now I could look like this was the terrible, the worst thing I did for the company. Speaker 1 (14m 12s): Right. Right. Exactly. Speaker 0 (14m 14s): So if we, okay, so that's retail office. If we switch now to, to industrial, because one thing that was really a cool stat that I saw when, when COVID just happened was the fact that retail sales did not decrease. It's just where the sales happen changed. Right. There was a pivot to online sales, total sales didn't D decrease, at least at the beginning of the pandemic, the data that I was looking at. So I'm curious, I mean, I think it's no surprise industrial's doing pretty well today. Speaker 1 (14m 48s): Yeah, no, it's not. It's no surprise. And it continued to do well. The pandemic, you are somehow seeing cap rate declines, which I think if you said two years ago, most people would be like, there's no way, but I just given how quickly we begun to really shift into e-commerce and the, you know, the room to run in terms of e-commerce. If you look at Europe, Europe uses e-commerce far more than the United States does still, but kind of going back to your point about retail sales it's, I've been tracking it very closely for that specific reason. If you look at retail sales, and this is because, you know, the government stepped in and enacted a lot of stimulus by, by June of 2020 retail sales had more sales than you would expect, given what you would expect pre pandemic. So if you forecast it out pre pandemic, but retail sales should be, and it's a fairly linear trend, you would expect them to have, you know, X amount of retail sales. And we're, we've seen exceed that basically since June of 2020, and about 35% of that is e-commerce, which is impressive when only 16% of retail sales is e-commerce right now. So e-commerce is pushing along, is pushing along retail sales. And realistically there's only, only it can only go up in terms of e-commerce. I want to be careful in saying that, because I know that's gotten people in trouble before. It can only go up in terms of e-commerce industrial is starting to become, starting to see a lot of construction. If you want to talk about the property type in particular, we're starting to see more speculative construction, but on the, at the, at the, at the other end of it, you can make the argument that it's pretty easy to turn off the industrial tap. If you it's just, you're building a big slab of concrete and yeah, exactly. It's a slab of concrete. Got you build a box and you're good to go. And there's a lot of reasons to believe that structural shifts from retail, from onsite retail to e-commerce means strong sales, and that's not even getting into three PLS and manufacturing tenants that we do also expect to do quite well. Amazon alone accounts was one, a hundred million square feet of absorption in 2020. And I, I don't know if they're going to do that again, but they are already, they're already in the, you know, they continue to be the player in the market and continue to push industrial. So do you think, Speaker 0 (17m 20s): Look at the, on the topic, the three PL or third, third party logistics and last mile delivery, like, do you, do you, do, do you break down industrial into these sub categories for your analysis? Speaker 1 (17m 31s): Yeah. Yeah. I mean, you almost have to, right, because that's how, that's how tenants think about it. You have these big distribution centers and then you have these last miles and, you know, these last miles tend to be these, these crappy frankly buildings that are in well better located areas. And the great thing, if you're looking from an standpoint about these last miles, they're not usually the highest and best use. So there isn't a ton of new construction in the last mile, despite the huge amount of demand for the last mile, at least according to what we're seeing. Speaker 0 (18m 5s): So in terms of the, the actual investment sales side of the industrial coin, when, you know, we see in our market, which I think pre pandemic, we were at 2%, I know Toronto is, I know LA and Toronto you'd know better than I would, but I know that we were at the top and north America with the, in terms of how lower vacancy rates were and continue to be on the industrial side. And what we've seen on the investment sales side is there's only so much product that, you know, you've seen, oh my God, that thing's traded again, that's traded three times in the last year. Are you seeing that same stuff in these really hot markets where properties have, basically, I'm assuming it's a constraint on the, on supply right now. Speaker 1 (18m 45s): Yeah. I mean, I, you know, everybody is out for industrial and they're continuing to increase their allocation. It's it's, you know, when we talk to clients, it's the first thing they always say is don't worry, we're going to increase our allocation to industrial really? Usually at the cost of office and retail. Well, not usually, always at the cost. No. Yeah. It, it, you know, that's, that's the other side of the coin, right? Is we saw 6% rent growth so far in 2021, we can be concerned about construction and market specific. If you look at like, you know, inland empire, for example. Yeah. There's a lot of construction or, you know, Las Vegas, for example, there's a decent amount of construction, but at the same time, the amount of demand that we're seeing come in and given it's a structural shifts, it means that you could, you should expect continued demand. That being said, we're getting to a point where cap rates are going to struggle. Maybe a little bit to continue to decline. Speaker 0 (19m 45s): I was going to say, it's for reminds me like economics 1 0 1. We're like, no, that the shift it's the whole demand curve moving, not just going up along, right? Like there's a, there's an innovation here. There's, there's a structural shift to less retail and more, more industrial distribution. Speaker 1 (20m 0s): I was actually trying to the other day to think of a, a good comparison. And I think we landed on radio for retail retail's radio where it it's still gonna have a use, but it's not the same use that it used to have an industrials TV now, the television. Cool. That's the entertainment. Yeah. Speaker 0 (20m 22s): So where does, where does vaulty Rez line up with that? If we, if we go to multi Rez, which you have to think that, you know, prior to the pandemic, we were like, can cap rates keep going down? And then they kept going down. And even right now, buoyed by I'm sure interest rates are multi-res team. I think, did their, did their had a banner year for 2020, like a record year for them? Speaker 1 (20m 46s): Yeah, we we've hearing that a lot is that, you know, 20, 20 and now 2021 in particular, it's been a great year. 2021 saw the largest increase in rent we've ever seen quarters for Q3. So we just finished up two, three, we're still finalizing the results, but shaping up that Q2 Q3 and Q1 of 2021 are the top three years in terms of demand for multi-family. And it, you know, that's across the board. However, if you start breaking it down by markets, the south in particular is really, really very strong. I mean, I'm going to keep harping on myself just because it is as strong as it is, but you know, multi-family is price per unit has gone up by 30% compared to pre-recession averages in Sunbelt markets rents in, like, for example, Austin increased by 15%, six months, you get, you kind of become to begin to become worried more about affordability than anything else, which is at some point, this becomes a economic macro economic problem, which of course then comes back to haunt investors. You know, a lot of that gain has already happened and really have seen a deceleration, which you would expect given seasonal trends in multi-family. And, you know, in some of these markets, you really are beginning to hit the, the affordability limit. And that's where you can start making a great argument for like, for manufactured homes or for mobile home parks. For example, particularly in the south, the Southern states, they don't work as well in the Northern states. I would argue at least mobile home parks. Speaker 0 (22m 27s): Yeah. Neither up here. Speaker 1 (22m 30s): It gets a little chilly. I know, but it's, multi-family has done, has probably been the outperformer, which, you know, given all the news around how well single-family pricing has done is isn't that surprising. And if you, if you look at single family, a single family price growth compared to multi-family rent growth, single family price growth in almost every single market has grown faster. So it's not like your, your other options is getting any easier to, to afford. Speaker 0 (23m 8s): Yeah. And in terms of like your outlook on this, in terms of the actual properties themselves, like, are we finding that in these markets that there are underperforming assets that are now being utilized to their, to their, you know, market rents, you know, value, add deals. Do you think that is what's happening in a lot of these markets? Or do you think that the pressure of lower interest rates is, is what's fueling most of, most of the acquisition in, in multifamily being an asset class that's pretty much being subsidized or was subsidized for the last year, year and a half by the government in most in countries. Speaker 1 (23m 46s): Yeah. I mean, that's a huge part of it. And then on top of that, I think lower interest rates is extremely helpful for multi-family acquisitions. You know, part of it is it, some of it has to be just the inflation hedge that you'd get for multi-family. If, if you were to all concerned about inflation and you want to look in real estate multi-family is probably your best bet just given. And we can talk about this at some point, just given the short lease term is, but the, the eviction moratorium also, at least in our opinion, has had a pretty big effect on multifamily demand because on one end, you're, you know, you are seeing a huge spike in terms of demand, but then we kind of scratch our heads at it for a while. But then if you think about it, we weren't evicting anybody. There's 800,000 evictions in the U S per year. I don't know what it is for Canada. That's 800,000 units that aren't going, that aren't in negative demand. We aren't, we aren't building, you know, these, these class C units were, if we're building anything, it's, it's a class, a, a, that's the only thing you can really afford to build right now that will, that will pencil. So, you know, people are, people are basically sitting in their home, sitting on their apartments, they're unwilling to move. So we aren't seeing that, that negative demand. And on the other, the other side, we're seeing a huge uptick in people separating how tools, if you're, let's say you're a 22 year old kid and you you're living with four roommates, we're seeing people decouple those households and begin to move out into their own places. All of that kind of leads to these, this huge spike in, in multi-family. Speaker 0 (25m 36s): Yeah, I guess the real question, like you said before, it's, it's the affordability aspect you have, like you said, 30% increase, I think in evaluation, but 15% increase in rental rates. And there is, there is a certain level where, you know, you, you just hit a, you hit a wall in terms of affordability from the, from the consumer point of view. Speaker 1 (25m 56s): Yeah. I think it's, it's going to have, it was a concern even before the pandemic was, you know, a home affordability shelter affordability, and it certainly did not get better. Speaker 0 (26m 8s): And on the construction end, you, you, you mentioned class a, are you seen quite a bit of construction on the multi-family side? Generally, Speaker 1 (26m 14s): It's pretty, it's pretty much in line with the last couple of years, to be honest with you, which was pretty significant. But on the other end, we saw a huge amounts of construction delays even before the pandemic. And it, it kind of acted as this filter for, for supply being added, frankly, especially, especially down south where there's huge amounts of demand, there's huge amounts of supply waiting to be added. But at th at the same time, they just can't get it out. Whether it be supply costs, labor is certainly a problem. Anybody and anybody who's trying to build multi-family right now has told me that labor is almost impossible to find at this point. Yeah. Speaker 0 (26m 51s): I mean, just even on the small scale or we're doing projects in our area, it's, it is extremely slow. And, you know, you talk to anybody in the construction industry. They'll, they'll tell you the same thing right now. Not just supplies, but labor as well. If we shift over to, to that piece on inflation, it's been a hot topic in terms of ink spilled. I'm sure it was one of those things that, yeah, the over the last little while there's been enough fuss bulled over on, on the inflation side, what's your view from the data that you guys are seeing? Speaker 1 (27m 25s): Yeah. I, I take the view that I am in agreement with the bond market and the fed that it is transitory. I think the definition of transitory has been changing pretty significantly because at first I think it was six months and now it's probably going to be a little bit longer than that. Kind of where I begin to split a little bit from the fed at least, is that it's inflation is likely to be higher for longer. I don't think it's going to be quite as high as it has been. A lot of that. A lot of the reasons it's been high currently, it has a lot more to do with the pandemic and kind of short-term factors. You know, you can think about shortages and chips. You can think about shortages and car parts, for example, or appliances, as well as transportation demand, which should burn itself off and on top of the stimulus. But the fed changed how it does it targets inflation. And I think it really went under reported. I think a lot, it, it didn't really make as much noise as it should have because what they're essentially doing now is they're saying, okay, we need to make up for really chronically low inflation in the, the last cycle. So we're going to allow inflation to run hot, to get the labor market gains that we saw at the end of the last cycle. Because if you look at between 2018 and 2020, the federal site statistics around minority wage gains, for example, it didn't really begin to appear until the economy was basically at full employment. What that three, 3.5, 3.4% unemployment rate. They want to see that again, that's Jerome Powell has basically explicitly stated that that's what they're looking for. That being said, the fed has begun to sound a little bit more hawkish. Cause I think they, I know they were taken by surprise by the how high inflation got, and they're, they're likely going to raise rates by the end of next year. All of that said, I, I still believe the fed is willing to let inflation run above that 2% mark for the next couple of years. Speaker 0 (29m 30s): So for those that don't know what you're referring to in terms of the under-reporting is the fact that they've, they've broken off of the, the, what they used to be the 2% target, is that right? Speaker 1 (29m 40s): Yeah, I, yeah. I mean, I was in colleges, every continent was, you know, they target 2%, they adjust rates based off of that. That's obviously a little more complicated than that, but now they're targeting a longer term inflation average of 2%. And because inflation from 2010 to 2019 ran between, you know, according to their measure of inflation PC around between 1.5 and 1.8% for most of that, they view allowing it to run from two to 3% as making up for some of that loss, those loss pricing increases over the last cycle. Speaker 0 (30m 15s): So in terms of, from the investor perspective, if your outlook as to how that informs your decisions from a real estate point of view, you know, what does, what does that leave us with in terms of the discussion that we've had even today in terms of the different asset classes and how you view economic decisions and investment decisions? Speaker 1 (30m 35s): Yeah, I mean, look, inflation is here to stay at, which is actually fair, especially since it's not, you know, hyperinflation I, where the fed is going to be forced to raise rates quickly. Hopefully, you know, it's actually good news for real estate. Real estate is a real asset, you know, I'm sure, you know, everybody, every economist has said this at some point, you know, real estate is a real asset. It, it benefits from a real value gains and holding real value, which means that in an inflationary environment, commercial real estate itself is a good play within those property types. There are some that are better than others, especially if you're unsure of how stable and the inflation rate is going to be the shorter, the lease term, especially in a higher demand property types that, you know, you can think about industrial or especially multi-family, it means you can adjust your, your rent increases to match inflation. If you look at, and we've seen this actually in the market, if you look at NOI gains real NOI gains from Nate grieve since 1990, there was only two real periods of actual real NOI gains from the nineties to the, from early nineties to the late nineties and from 2010 to 2015. Other than that, if you deflate real and alive for multi-family, it's basically flat, which, which essentially means that NOI is just, is, is working as an inflation hedge. You get the same real return year after year. That that makes multi-family really attractive. Industrial actually has not done that well, based on that same measure up until very recently. Speaker 0 (32m 12s): Yeah. I liked the idea. I was always told by a mentor of mine there where, you know, real estate is one of those few industries investment that you can download inflation to your, to your customer, you know, pretty much one for one. Speaker 1 (32m 27s): Yeah, you can, it, it is extremely easy to just pass on that inflation to the investor, unlike pretty much any other asset class. I mean, if you think about bonds, for example, you can't do that for the most part. You just, you know, if you invest in a bond, you you're losing real value every, every coupon payment. Speaker 0 (32m 44s): Yeah. And I th and I think to your point earlier where you have those shorter terms with multifamily, it's obviously easier to do, but I was just reading a lease yesterday that was kind of the old school lease where the, it was over 10 years, but the, the bump ups, the step-ups and rent were basically the CP attached to a CPI inflator. So we haven't seen those as much, usually landlords, if anything, at least prior to the pandemic, they would just say, okay, it's, you know, 10 bucks a square foot now 12 bucks 14. And usually that would be more than inflation, but they have some mechanism in there. Speaker 1 (33m 17s): Yeah. Well, I was going to say, the other thing landlords might want to start thinking about is, is indexing it to inflation and that's, that's actually the great part. I mean, that's why we target a specific inflation rate is because then you can make these easy decisions. I know inflation is going to be 2%, it's a very stiff assumption. So, you know, we can, we can just assume a 2% going forward. Now you have to start thinking about, okay, is it, you know, is it going to go, you're making a bet. Is inflation going to be long-term? Is this higher inflation could be long-term or is it going to come back down? How much is it going to come back down? It's really difficult. And while it does sound really nice to indexed, to inflation, if you're an office, a landlord right now, I think you struggle a little bit because you don't have the negotiating power necessarily that you did two years ago. Speaker 0 (34m 5s): Yeah, absolutely. So in terms of, so in terms of that, how that view informs the interest rate discussion, the way that, you know, the fed will respond, if, you know, if employment is higher than, or full employment, or if changes in inflation that, that they're measuring, how, how do you see that impacting the interest rate decisions? Speaker 1 (34m 27s): Yeah, so I, I I'm, I think I'm in the minority here, at least in terms of the broader economics where I really don't see interest rates increasing significantly. And I know that's a really economist answer to touching it a little bit, but I don't see interest rates hedging or increasing significantly because one of what the feds, the fed said about how they're going to react to inflation, they said, they're willing to let inflation run hot. They care more about the labor market gains right now on that needs us more liquidity in the system for longer, which, you know, can go only a few places. It can, it can drive. And we have seen equity increase by multiples. And then the only other place we can go really is bonds for, you know, those multi-trillion dollar that multi-trillion dollar liquidity pool we have right now. I mean, it's at the point where the banks just basically don't know where to put the money. All of that, to me suggests a, you know, short, you know, lower interest rates on top of that. If you think about the demographic factors that are affecting the United States, you know, slower demographic growth going forward, that's not going to change. That's baked in effectively. Unless people begin to move here in a mass on top of technological change, you know, you would expect to see more automation going forward. I think it's coming faster than a lot of people like to acknowledge that pushes down prices, which then pushes down interest rates. And I know globalization is no longer it, maybe isn't moving forward as quickly or as moving forward at all. But globalization still means a lower interest rate environment. You know, the fed in 2018, tried to push interest rates to 2.5% and ran into huge liquidity problems in the market. There isn't there, they don't and they view, and this is their view. They don't view the neutral interest rate as much higher than rate where they're no longer stimulating nor creating drag on the economy is much higher than two or two and a half percent. So all of that, to me suggests maybe slightly higher interest rates from what was the tenure at. At one point I, you know, 50, 50 basis points, but maybe not, it's probably gonna be lower than it was before, before the pandemic. Speaker 0 (36m 45s): Would there be something that would change that view for you or, or a few factors that would change that view for you in terms of where interest rates could go? Cause, I mean, that's usually the big thing where a lot of people say, oh, if inflation is going in this direction, interest rates have to, you know, come up to that, you know, come up as a result of that. But yeah, what are, what are, what are some factors that may, may kind of give you pause to, to think it might go the other way or at least increase over what you're, what you're talking about? Speaker 1 (37m 13s): That's a great question. And, you know, as inflation has continued to stay high, it's been something I've been thinking more and more about, but the, you know, inflation first and foremost above all else, if inflation gets out of hand, it, it becomes a inflation spiral. That's when I think, you know, you'll begin to see interest rates really start to hike. The other, the other concern would be the fed. It depends on who Biden dominates next year for the fed. If we get someone who's hawkish, if we see you're going to see some more hawkish fed governors, I think that in a more hawkish fed chairman that could change my view on interest rates. And finally, we begin, we begin to S you know, removing chewy really begins to drain liquidity faster than I thought it would. No we're right now, we are still buying billions of dollars of bonds every month. I don't expect removing QV would do that, but that could drive interest rates higher if the, if the market begins to react to, or begins to become concerned about liquidity in the us, into global bond markets. Right. I, I sh I should mention real quick that also there are wars and pandemics that I can't predict. I learned that last year. Speaker 0 (38m 40s): Yeah. That was a, it was, I remember two, two or three years ago. And I won't say who the company was, but, you know, I remember it was couched almost as a joke, you know, barring any geopolitical disputes or a global pandemic. And I was like, oh my God. But yeah, those are always the things you're like, you know, there's these extra exogenous factors that you're not going to be able to, to forecast these black swans. So I guess the, you know, from the real estate perspective, that's a good overview of where we're at today in terms of the different asset classes. And we're, you know, the view of the economy is just want to be mindful of your time. Joseph, we have four questions. We ask everybody before we, we end the episode. So if you're okay with that, we'll kick it off. Speaker 1 (39m 25s): Absolutely. Speaker 0 (39m 26s): What's something, you know, now in your career, you wish you knew when you started. Speaker 1 (39m 32s): That's a great question that it's okay to be wrong and it's okay to make a mistake. I think I was, at least at the beginning of my career was a little more concerned about mistakes and being wrong. If you're, if you're an economist, if you work in economics, you know, if you work in real estate and you're trying to forecast trends, you're, you're going to be wrong and that's okay. It's just, just, don't be wrong. You just learn from the mistake. Don't make the same mistake twice, twice, I think is what I needed to learn as opposed to you have to be right the first time. Speaker 0 (40m 1s): Yeah. It's all always lies. I camera it was like Truman or something that said, ah, give me a one-handed economist. Everyone says on the, on one hand, on the other hand, but yeah. I Speaker 1 (40m 11s): Mean, I'm certainly, I'm certainly guilty of that Speaker 0 (40m 15s): While you want to be precise with your answers in terms of mentorship, what would you tell younger people coming into the industry or your views of mentorship in general? Speaker 1 (40m 25s): Oh, I would not be where I am without mentors. I think it's so important to talk to people who that are in a place that you want to be, or are doing things that you want to do. I've had some fantastic mentors for both in real estate and in, in economics before, before I worked in commercial real estate, I was working in banking regulation. I was thinking regulation research, I suppose I worked with some fantastic economists that taught me everything I knew, including, you know, my, my advisor in college. I, I, you know, like find someone that you think is worthwhile to talk to and then just bug them. I think I was my first job. I was in the chief economist office, every opportunity I could just asking questions, being curious, trying to learn as much as I could cause that, and it's, it's paid dividends for me. Speaker 0 (41m 25s): Awesome. Are there any recommendations you could give a book recommendations, podcasts, I guess, with the spirit of this conversation, maybe in real estate or economics? Yeah. Speaker 1 (41m 34s): There's, that's not a good question. There's two, there's two, there's two that I, one that I love just for all time, which is thinking fast and slow by data economy, which, you know, I, I like to think that I don't necessarily subscribe to the, the basic, the, what a lot of mainstream economists think about in terms of models. I think there's more to it than that. And David Kahneman does a really good job of breaking down how people think and how that relates to economics. Fantastic book. It's a really interesting read, even if you're not an economist and the other one is the rise and fall of economic of us economic growth. I believe it's, I'm reading it right now. So I should know the name. Speaker 0 (42m 17s): Yeah. We'll put a link. I think I know the one, the one you're talking about, Speaker 1 (42m 23s): I, you know, the first economist I worked under was an economic historian. So he instilled that interest in me. And it basically shows that, you know, the century from 1870 to 1970 was a period of unbelievable technological change and economic growth. And I it's really fascinating and it informs a lot of what I think will happen going forward in terms of slower, you know, slower but steady economic growth. We're not going to see those four to 5% GDP gains without, you know, huge amounts of stimulus anymore. And it was good. Speaker 0 (42m 54s): Yeah. I have a, if it's Robert Gordon, is that a that's right? Yep. Okay. We'll put it. Speaker 1 (43m 0s): I think it's a fantastic book. I really like it. If you liked economics, I would suggest that it's. Speaker 0 (43m 6s): Yeah, no, it's, it's one of those things where I w was interested in reading, but unless you get like a recommendation, sometimes you go down a rabbit hole, but the Conaman that's I think, correct me if I'm wrong. I think Conaman was the first non economist to win the Nobel prize in economics. Speaker 1 (43m 23s): Yeah. He was a psychologist and I it's, it's a lot about how the brain thinks and makes decisions and you know, it really attacks that idea of rationality and really looks at why people actually make decisions. It's, it's a great book. It really changed how I thought about, you know, economic modeling and where I work, how we, how markets work. Speaker 0 (43m 45s): Very cool. We'll put a link to both last question. First car, make and model. Speaker 1 (43m 51s): Oh, I had a 2004, a Honda accord, which is it. And it was, it had a bigger engine than it was supposed to have, which was great because if you've ever driven in Massachusetts, all of the on-ramps are about five feet long, so you have to really gun it. And so that was a fantastic car. I missed that car still. I would rather drive that than when I'm driving now. Speaker 0 (44m 20s): Right on. I feel like a lot of engines were stuffed into those older Accords and civics, Joseph, for people to connect with you or a, you know, anything related to the information or data you do with CoStar work and they reach out, Speaker 1 (44m 34s): Yeah, we have a website, I'll send it to you for blankets, CoStar advisory. You know, you can always find me. I write a lot of articles for the website, so you'll see me on CoStar, if you have it, which I would suggest otherwise, you know, just I'm on LinkedIn. Speaker 0 (44m 54s): My guest today has been Joseph Biassi Joseph. Thanks for being part of working capital. Speaker 1 (44m 59s): Thank you for having me. Speaker 0 (45m 10s): 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.

Loka Podcast with Tempest Van Schaik, Senior Machine Learning Engineer at Microsoft by Bobby Mukherjee

For the 100th episode of “Reelfoot Forward,” host Scott Williams welcomes two special guests who were part of the creation of Discovery Park from the beginning. Senior director of education, Polly Brasher, and senior director of exhibits, Jennifer Wildes, recently celebrated ten years with the museum and heritage park. They were there even before the doors were first opened on Nov. 1, 2013 and have experienced firsthand the remarkable growth and success. They've watched millions of children and adults benefit from the big idea of Robert Kirkland and the community of Union City, Tenn., to create a place where inspiration would happen every single day. The stories they share in this episode will be especially meaningful to anyone who is attempting to make something happen they've been told can't be done.

Recipient of this year's Senior Volunteer of the Year, 92-year-old Kay Tang cannot wait to be on the stage again. - コロナ禍もZoomでオンラインレッスンを実施したり、LINEでメンバーと連絡を取り合うなど、92歳とは思えないバイタリティで活動に励んできました。

Senior forward Brandon Johns, Jr., is our guest this week, and he reflects on the strange nature of last season (6:30), dissects the improvements in his game (8:20), breaks down some of the other key Wolverines and the vibe around the team (10:30), and shares his excitement for the return of crowds at home and on the road (18:45).See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A former senior military officer, who spent 30 years working his way to the highest ranks of North Korea's powerful spy agencies, tells his story.

What's the current state of the treasury recruitment market? Tune in for a special Treasury Career Corner episode featuring some of our very own team. We turned the microphone on the Treasury Recruitment Company and shared our own experiences with the market. This episode features Joe Fawcett (Treasury Recruiter – UK Practice), Katie Hardie (Executive Consultant, Global Treasury), Craig Perkins (Senior Recruitment Consultant, UK Practice), and CEO and Founder of The Treasury Recruitment Company, Mike Richards. In this episode, the Treasury Recruitment team discusses the current state of the market from Junior to Senior level in the UK, US, and Europe. Each of the team provides input into what candidates need to do to make them stand out in today's market and their advice to clients about what they need to consider when recruiting. Other insights include how to prepare for interviews, the latest trends regarding working from home, and why our salary survey is our superpower in what is an extremely competitive market. On the podcast, we discussed… How recruitment slowed down during the pandemic and is now recovering What candidates can do to beef up their CVs Why remote work has less of an effect on salary now Why candidates are now asking more about remote work How treasury is a collaborative world by nature Why businesses need to evolve to attract top talent You can connect with https://www.linkedin.com/in/joetreasury/ (Joe), https://www.linkedin.com/in/khtreasury/ (Katie), https://www.linkedin.com/in/cptreasury/ (Craig), and https://www.linkedin.com/in/mrtreasury/ (Mike) on LinkedIn. Are you interested in pursuing a career within Treasury? Whether you've recently graduated, or you want to search for new job opportunities to help develop your treasury career, The Treasury Recruitment Company can help you in your search for the perfect job. https://treasuryrecruitment.com/jobs (Find out more here). Or, send us your CV and let us help you in your next career move! If you're enjoying the show please rate and review us on whatever podcast app you listen to us on, for Apple Podcasts https://podcasts.apple.com/gb/podcast/the-treasury-career-corner/id1436647162#see-all/reviews (click here)!

info@podcastone.combe4b09a8-f2c1-46b8-9424-55e23d69c337Mon, 11 Oct 2021 09:11:02 PDT00:13:51

Sami Jasim is alleged to have been running its finances. The prime minister announced his arrest, saying it involved a complex operation outside Iraq. Also: spy rings, drug factories and arms deals. Extraordinary allegations from a North Korean defector, and we hear from the first transgender person in Uganda to have their identity recognised by the government.

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Senior leader Caleb Hyers speaks about the the various kinds of prayer and that there are more than two ways to pray. For more head to http://trpfamily.org

Tonight's Roundtable includes panelists from American Horse Publications. They include Mandee Flanders of the Lead Line Podcast, Jamie Samples of Yellow Barn Media and Listener/Auditor Allie Heninger.  Our Topics tonight include: the frustrating backorder situation with horse products, where can young coming-adult equestrians turn to look for future equine professions and picks for work productivity.  Stable Scoop Episode 523:Host: Glenn the Geek (see host bios)Panelist: Mandee Flanders of the Lead Line PodcastPanelist: Jamie Samples of Yellow Barn MediaPanelist: Listener/Auditor Allie HeningerSponsor: Purina Senior FeedSupport the show (https://www.patreon.com/user?u=87421)

¿Es el talento pura experiencia? ¿Valoramos suficientemente el talento de los mayores en España? En Por fin no es lunes reflexionamos sobre esta cuestión con con el catedrático de Geografía Humana Rafael Puyol, coautor del estudio 'El Mapa del talento Senior 2021'.

Tonight's Roundtable includes panelists from American Horse Publications. They include Mandee Flanders of the Lead Line Podcast, Jamie Samples of Yellow Barn Media and Listener/Auditor Allie Heninger.  Our Topics tonight include: the frustrating backorder situation with horse products, where can young coming-adult equestrians turn to look for future equine professions and picks for work productivity.  Stable Scoop Episode 523:Host: Glenn the Geek (see host bios)Panelist: Mandee Flanders of the Lead Line PodcastPanelist: Jamie Samples of Yellow Barn MediaPanelist: Listener/Auditor Allie HeningerSponsor: Purina Senior FeedSupport the show (https://www.patreon.com/user?u=87421)

Senior vocal student, Sophie Cortez, prepares for her final recital at BYU-Idaho before she graduates and begins her own private studio.

Interview with Duke goalie Sophia LeRose on her path to being a starting goalie in D1

Ex-estagiária de Lewandowski é alvo de busca e apreensão da PF. E Pfizer pede aos Estados Unidos autorização para uso da vacina em crianças de 5 a 11 anos. See omnystudio.com/listener for privacy information.

The Nach On Sports Show Podcast Hosted by Anthony Nachreiner, if you enjoy the show please consider hitting the follow or subscribe button!   Joining the podcast is Bozeman Hawk Head Football Coach Levi Wesche as we discuss his team coming off a tough loss to Senior and how they are getting ready for CMR. What does Coach Wesche see on film from the Rustlers?

A trend that is impacting the world of high school recruiting unlike anything we've seen before is highly recruited players opting-out of their senior seasons. The #4 ranked player in the class of 2022, Evan Stewart of Frisco Liberty in Texas is the latest to follow this trend. What does in mean for the future of recruiting? Charles Power, Director of Scouting and Rankings for On3.com is here to break it down.

Here are the local news headlines for the morning of Wednesday, Oct. 6, 2021.

I remember starting this podcast in my second semester of sophomore year at Parsons and now, here we are, two years later as a senior in college. Tune into this week's episode as I discuss what the senior year structure is like at Parsons and what my schedule looks like as a Fashion Design major. Stay till the end of the episode to hear about how my job hunting process has been going and my biggest advice for degree-seeking students. As always, don't forget to rate, review, and follow the Life of a Fashion Student Podcast. Additionally, we now have a new Instagram account for this podcast: @lifeofafashionstudentpodcast. You can also find my personal instagram: @kristinamichelleang --- Support this podcast: https://anchor.fm/lifeofafashionstudent/support

Senior baseball writer Andy McCullough is joined by Cardinals beat writer Katie Woo and Dodgers beat writer Fabian Ardaya to discuss the 2021 NL Wild Card. The difference that led to the Cardinals offensive emergence. How insane it is that Dodgers win 106 games only to land them in the wild card. The confidence the Dodgers have in Max Scherzer. How much rope will manager Mike Shildt give Adam Wainwright? And how this might be the most notable head to head pitching matchups. Learn more about your ad choices. Visit megaphone.fm/adchoices

São Paulo e Rio avaliam tornar máscara opcional em espaços abertos. E ex-funcionária do Facebook pede ao Congresso americano que empresa seja regulamentada. See omnystudio.com/listener for privacy information.

We've had to take an extended break in recent weeks due to moving home from New York to Austin Texas. However, we're back now with Season 4 and some fabulous guests lined up in the coming weeks. We kick off this season with an interview I did just before leaving NYC with fellow Brooklyn resident, Geof Rochester, a highly successful entrepreneur and respected thought leader and strategic advisor on corporate sustainability and responsibility, NGOs, philanthropy, and social entrepreneurship. Geof is a trusted advisor to some of the world's leading conservation NGOs, media companies, and consumer goods brands.Born in Barbados and raised in Brooklyn the cultural diversity of his upbringing defined his worldview. His Diplomat Father and an empowering mother ingrained in him the importance of having empathy for the plight of others, a ‘Lead, Follow or get out of the way' mentality, and a strong work ethic.Taking the lead and embracing early leadership roles at School helped him develop a sense of responsibility and accountability and the ability to execute a vision at an early age. Discovering the importance of branding and marketing at an early age, set Geof on a path to a stellar career in Marketing working for both challenger and champion brands, including CEO at Nature Conservancy and Senior marketing roles at CMO roles at Showtime, WWE, Comcast, and Radisson. Geof and I have a lively discussion about his motivations, mindset, and marketing mentality, dealing with the fear of failure, curiosity, confronting conventions, and his theory of change on climate and sustainability. Geof also provides his perspective on food insecurity and innovations in preventative healthcare and why he is hopeful about prospects for climate innovation. I hope you enjoy the pragmatic leadership thinking and passion of Geof Rochester. Social Links Linkedin GRC ConsultingShow Notes Caricom Mayor LindseyFlatbushGeorgetown Coach Thompson Georgetown Wharton ROTC WWE Nature Conservancy Showtime Project DrawdownSustainable Ocean Alliance Eric Adams The CourierBarstool sportsRich Dad Poor Dad 7 Habits of Highly Effective People See acast.com/privacy for privacy and opt-out information.

Senior baseball writer for The Athletic and host of the "Starkville Podcast," Jayson Stark joined the Ramie Show to preview the playoffs for the Brewers, discuss Corbin Burnes' Cy Young odds & more. See omnystudio.com/listener for privacy information.

Laird Sparks is a Senior Managing Director for Greystar Development and Construction Services, with responsibility for multifamily development in the Central North Region. He joined Greystar in 1998, holding various positions across multiple disciplines prior to joining the development team. Laird has been involved in all aspects of the Greystar business, including third-party property management, development, renovation, acquisitions, refinance and dispositions, and the asset management of approximately 20,000 apartment units with a capitalized value of approximately $2.5 billion. On this episode, Chris and Laird discuss the behemoth that is Greystar, their work in Texas, conventional multifamily age-restricted developments, the explosion of Single-Family Rentals, student housing, Industrial, and much more. Enjoy! Follow Chris on Twitter: www.Twitter.com/FortWorthChris Learn more about Chris Powers and Fort Capital: www.FortCapitalLP.com Follow Chris on LinkedIn: www.linkedin.com/in/chrispowersjr/ Follow Fort Capital on LinkedIn: www.linkedin.com/company/fort-capital/ (03:56) -  Laird's Career Story and How Greystar Has Evolved Since Being There in 1998 (05:47) - How is Greystar set up from the national level to the regional level? (06:53) -  What does your office do and what's your role? (07:37) - What's changed about development over the past 14 years? (09:35) - Are there amenities that are becoming obsolete? (10:41) - Did you primarily do deals in the core during this cycle? (11:37) - What markets do you play in? (12:46) - Are entitlements in suburban markets tougher to get? (14:25) - What are the differences between urban and suburban facilities? (15:48) - Workforce Housing (16:56) - Is there anything from a cost perspective on the horizon that excites you? (20:24) -  What makes up the bulk of cost increases? (21:07) - What are the factors in labor cost increases? (22:09) - What's driving the massive jump in rents since Covid? (24:53) - Are we anywhere close to meeting demand in apartment developments for DFW? (25:37) -  How much do property taxes impact deals? (27:02) -  Is there anything different about this cycle from the others you've experienced?  (28:56) - Are there any permanent changes you're making in your products in light of the pandemic? (30:19) - Why is SFR so hot right now? (34:00) - Is there anyone doing luxury SFR? (36:35) - SFR Tenant Demographics (37:17) - Leasing Factors (37:49) - How are capital markets looking at SFR? (39:36) - Is there talk about not taking the merchant developer route with SFR's? (42:33) -  How do you define age-restricted deals? (47:13) -  Student Housing (49:38) - Senior vs. Student Demand in Regards To Capital Markets (51:47) - Thoughts on Industrial (56:01) - Is the data you have across different asset classes helpful or is it pretty siloed? (58:55) - How is Texas positioned vs. the rest of the country? (1:00:37) -  Getting a Deal Done in CA vs. TX (1:02:45) - What metrics matter most to you when underwriting a deal? (1:04:41) - Have the basis point spreads between what you're building to and what you're exiting on changed drastically? (1:06:30) - How are 10-year hold deals structured if you're underwriting a Merchant Development deal?  (1:08:20) - Thoughts on Opportunity Zones (1:10:03) - Property Management (1:15:52) - Is there anything that keeps you up at night or risks in the market? (1:17:41) - Has Social Media been a major player in making the developer a ‘villain'? (1:22:09) - Is crowdsourcing the future? The FORT is produced by Johnny Peterson & Straight Up Podcasts

Guy Benson Show - 10-4-2021 [00:00:00] 3:06 pm - What was the Point of Biden's Capitol Hill Trip [00:16:15] 3:27 pm - Sinema confronted by immigration activists in a bathroom [00:18:11] 3:34 pm - Sinema fires back after far-left activists record her in ASU bathroom [00:34:29] 3:55 pm - SNL Mocks Senators Sinema & Manchin [00:36:32] 4:05 pm - Brit Hume, Senior political analyst for Fox News Channel [00:52:24] 4:27 pm - Florida Gov. DeSantis' wife diagnosed with breast cancer [00:54:47] 4:34 pm - Fauci Says ‘It's Just Too Soon to Tell' Whether Americans Can Hold Christmas Gatherings [01:03:58] 4:48 pm - Facui defends Vaccine Mandates [01:13:09] 5:05 pm - Howard Kurtz, host of Fox News Channel's "MediaBuzz" [01:28:36] 5:26 pm - Sports Update [01:31:32] 5:34 pm - REPLAY: Brit Hume [01:37:00] 5:44 pm - Homestretch: Weekend Recap

Paul Reynolds, Crime Correspondent, reports on the extension of the detention of a retired senior garda figure suspected of facilitating organised crime.

Neil Pederson is a Senior Ecologist at the Harvard Forest who studies the dynamics and long-term development of forests from individual trees to trees across regions and subcontinents. He is especially interested in the response of trees as they interact with climate and as they interact amongst themselves. Neil conducts basic and applied research to help develop ecologically-based, long-term forest management. He digs natural history, charismatic megaflora, and old-growth forests. Neil is also very curious about the growth, longevity, and ecology of broadleaf trees and forests. Neil earned an associate degree in math while playing lacrosse at SUNY-Morrisville, received his bachelor's degree from SUNY-College of Environmental Science & Forestry, and received a Master of Science from Auburn University studying an old bottomland hardwood forest in South Carolina. After a stint as a tree-ring technician assisting on climate change research in Mongolia and Russia at the Tree-Ring Laboratory of Lamont-Doherty Earth Observatory, he earned a Ph.D. studying forest ecology and climate change along the eastern coast of the United States at Columbia University. Before becoming a senior ecologist in the Fall of 2014 at the Harvard Forest, Neil was an assistant professor in biology at Eastern Kentucky University and a research professor at Lamont Doherty Earth Observatory. He currently has grants with the US Forest Service and National Science Foundation to study the impacts of extreme climate on the lives of trees in the Northeastern US and how climate might have shaped the old-growth forests we love today. --- Support this podcast: https://anchor.fm/plantatrilliontrees/support

A Bitcoin (BTC) exchange-traded fund (ETF) has a 75% chance of being approved this month - in some form. In comments this weekend, Eric Balchunas, senior ETF analyst for Bloomberg, said that United States Bitcoin futures ETFs were “likely on schedule” for the regulatory green light. "Yes, the SEC has kicked can on bitcoin ETF approval BUT that is for the physically-backed ones under '33 Act. The futures ETFs filed under the '40 Act (which Genz loves) are very much alive and likely on schedule (we think 75% chance approved in Oct)." For complete show notes and for the full premium experience with video, visit our YouTube channel at http://CryptoNewsAlerts.net

To kickstart the fall season in New England, James and Shannon have a brewside chat to talk about hard ciders. On this special guest episode, the duo are joined by Senior Cidermaker Craig Collins from @downeastcider. Collins shares all things apple from the cider making process, flavors and hidden tricks to enjoying your favorite craft cider.    Special thanks to our guest Craig Collins and Matt Brockman from Downeast cider. Check out @downeastcider on Instagram and be sure to pick up their tasty ciders and craft beverages at your local package store or at their Boston Taproom.    Please help us by rating and reviewing our podcast on all your podcast platforms and by following the pulse of brewing @doublehopbeatpodcast on instagram. 

In our very last episode of Season 5, we sit down with Lindsay Alesso to discuss the intricacies and tactics of affiliate marketing. Lindsay is a Senior Client Development Manager at CJ Affiliate who has worked with global brands in the travel, retail, fashion, and sportswear space on their marketing objectives to create and execute short and long-term affiliate strategies. She's been a panelist for many affiliate events that are focused on the value of content, and has received recognition and accolades for her own work in content strategy.Some Takeaways from our time together: Platforms change and that changes the way creators interact with their followers (which is important for the brand to know)To understand how strong your commission structure is, ask content creators!Before starting any campaign, before deciding any platforms you want to activate on, Define your goals and what your KPIs are for your efforts. For more on Lindsay:https://www.linkedin.com/in/lindsayalesso/ For more about Trove: @trovebusiness www.trovebusiness.comFor more about Gush & Grow:@gushandgrowwww.gushandgrow.comA big thank you to our season's sponsor, CJ Affiliate (@cjnetwork). CJ is the affiliate network of choice for influencers and content creators. Through CJ you can get direct access to over 4,000 top brands, with the support, tools, and data to make your dream partnerships a reality. Learn more at cj.com/trove.

In this 8th edition of the Locked On Panthers Fan series, Armando brings in Jeremy Daigle, a Senior in High School from the 239 to talk about his fandom of the Florida Panthers, how it conflicts with other sports teams he like, and what he plans to do when he graduates. Twitter: @LO_FlaPanthers Email: lockedonflapanthers@gmail.com Support Us By Supporting Our Sponsors! BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

info@podcastone.com9432bdd2-6ba2-44f4-b2ac-0e16c3d915c1Fri, 01 Oct 2021 09:11:59 PDT00:09:40

Carol Trosclair and Dr. Brian Campbell joined Discover Lafayette to discuss the David Trosclair Memorial Scholarship in Kinesiology at UL - Lafayette. Carol is well-known in the oil business and has been a Petroleum Landman for over 30 years. One of the most active women in our community, she is passionate and filled with the love of God and others. As you will hear in this interview, she is absolutely the best salesperson you'll ever encounter! "She could sell holy water to the devil himself," according to her close friend, Dr. Brian Campbell. Dr. Brian Campbell serves as the coordinator of Exercise Science in the School of Kinesiology at UL – Lafayette. He is the faculty advisor to the Kinesiology Professionals Association. He met David Trosclair while teaching him, and recounted his admiration for this talented, modest young man who scored perfect scores in his classes. "David loved kinesiology because it involved a specialized experience in biomechanics and orthopedics and allowed him to help people maintain and recover mobility and provide exercise prescriptions. After the tragic death of Carol's son when he was a Senior, David Trosclair, in 2010, Carol and Brian established the David Trosclair memorial scholarship in Kinesiology to acknowledge his academic achievements. There are over 1200 kinesiology students at UL-Lafayette yet very few scholarships are offered to the students. As Carol recounts, "what an honor, but there was no money! We had to raise it to fund it." David Trosclair tragically died in 2010. His mother, Carol Trosclair, and his kinesiology professor, Dr. Brian Campbell have worked to fund a scholarship in his name so that his legacy will continue. In the first year of fundraising, Carol wanted to hold a car wash and enlisted the kinesiology students to assist. She realized she would never be able to get the students up at 9 am on a Saturday to wash cars. Plus, you never clear much money working a traditional car wash. So she went down to Todd's Car Wash and spoke with the owner, Todd Lemaire, asking him to partner for one day to raise funds for the scholarship. Lemaire generously countered and offered the whole month of September to allow $10 ticket holders to access his $25 car wash. Carol was told by UL that if she raised $10,000 it would establish an endowed scholarship, if she raised $50,000 there would be a plaque placed in Martin Hall. They raised $11,990 the first year by preselling tickets. Todd Lemaire did not ask for any reimbursement for his expenses the first year, and still has not to this date on any of the annual fundraising efforts. Kermit Duhon, of The Travel Machine, saw press coverage on the memorial scholarship. He called Carol and gave $150 to purchase tickets for his employees to get the premium car wash at Todd's Car Wash. With a bit of encouragement and salesmanship from Carol, they eventually "Sir, we don't just have a handout, we have four hands out. There are 1200 students in kinesiology with very few scholarship options. Won't you please sponsor a customer-designed vacation for two designed by Travel Machine?" Kermit agreed and they have partnered with this popular fundraising drive annually. Carol Trosclair, Moon Griffon and Kermit Duhon promoting the David Trosclair Memorial Scholarship Fundraising effort in 2021. It's that time of year to buy your $10 raffle tickets to win a trip of your choice and $500 spending money to go along with it! Now in October 2021, a ticket will allow you to obtain free coffee or tea and chocolate chip pumpkin bread at Reve Coffee or a flatbread of your choice at any Tropical Smoothie Cafe; in November you can select a free 6" sandwich of your choice at Roly Poly or loaf of bread at Great Harvest Bread Company. Although David Trosclair did not live to fulfill his dreams, his legacy lives on through other students who are pursuing their own dreams. The scholarship inspires students to work hard.

The 62nd NewRetirement podcast. This time, Steve Chen is joined by guest Mike Piper — CPA, author, and creator of the Open Social Security and the Oblivious Investor websites — and discusses Social Security planning, Roth conversions, and retirement account distributions.Try out the NewRetirement Planner for free: https://www.newretirement.com/planner/signupProduced by Davorin Robison.© 2021 NewRetirement Inc.

In this session I am joined by one of our upper level (Senior) wonderful residents, Dr. Catherine Jimenez. Dr. Jimenez and I recorded this as an impromptu podcast covering antepartum fetal surveillance. Does maternal eating actually affect fetal movement? Do kick counts really work to prevent fetal morbidity? We will cover these questions, and more, in this episode (Part 1).