Hello, everyone, and welcome to New America's second webinar on housing and the COVID-19 pandemic. My name is Tim Robustelli, and I'm a program associate with the Future of Property Rights Program on New America. Our program aims to help solve today's property rights challenges at home and abroad, and through our work we strive to connect new constituencies and shed light on under reported issues in the property rights space. Today we'll be discussing the housing implications of the COVID-19 pandemic and local responses. I'm fortunate to be joined by a wonderful panel of experts. Amy Nelson, executive director of the Fair Housing Center of Central Indiana based in Indianapolis. Dan Cornelis, director of community and economic development for Forsyth County, North Carolina based in Winston-Salem. And Joanna Carr, research and policy coordinator for the Arizona Housing Coalition based in Phoenix. Welcome and thank you for making time to discuss this critical topic during these hectic days. To all our viewers, we'll start with about 45 minutes of panel discussion and save some time at the end for audience Q&A. Before we jump into the current crisis, can each of you tell our viewers in a few words what your organizations do? We'll start with Amy. Thanks. The Fair Housing Center of Central Indiana is a nonprofit advocacy based organization that works specifically to address fair housing issues or housing discrimination. But we're the only such organization in the entire state of Indiana. So as a result of that, we also work on broader public policy issues as it relates to housing as well. Dan. Forsyth County Department of Community and Economic Development provides services in housing rehabilitation. We enforce a minimum housing code. We do have multiple home ownership programs and down payment assistance. We also are active in economic development, everything from workforce development to incentive packages and other community development endeavors as they present themselves. Thanks. Joanna. So the Arizona Housing Coalition is a statewide member organization whose mission is to lead in the efforts to end homelessness and advocate for safe affordable housing for all Arizonans. We operate under three pillars which are advocacy, education and collaboration. Advocacy and collaboration is the forefront of the support to our members at the moment during the COVID-19 crisis with efforts particularly at the state level and support to our members serving on the front lines in shelters and housing services. Wonderful. And to provide a bit of context on each of your cities for all of our viewers, could three of you briefly share what housing related issues are present and how the current pandemic has exacerbated these issues. Well, probably our particular issues aren't unique to what a lot of cities have been grappling with across our country. Indianapolis, however, is one of the highest evicting cities in the country. It's number 14 for actual eviction filings and that's number two for actual court ordered evictions. In addition to that, we've also had a series of press stories and broader discussion about substandard housing because we've been dealing with uninhabitable housing that tenants are in, particularly without a state landlords where they can't get remediation for that. And in some ways are retaliated against it when they contact public health or contact legal services. And then of course we have housing discrimination as well, which has never gone away and we continue to battle and, you know, and fight on that. And then finally we have an affordability crisis. That certainly is not again not unique to our particular city, but that combination of things now adding COVID into it, and the risk of people losing our housing through no fault of their own is extremely problematic. Dan. Over the years Winston Salem has had a very affordable rental housing problem has not been much rental but we've seen some very exaggerated prices rises in the last year. Our downtown is really coming on strong and we're building a lot more high end apartment units but are losing some of our low end ones. There's a real fear of gentrification in some of our neighborhoods as our downtown spreads. Our home ownership prices have gone up quite a bit. We were averaging for years and years about $120,000 for a first time home buyer now it's cropped up to about 170,000. So that's not a big jump but it's a big jump within the last year or two. In Arizona. I mean homelessness has been on the rise in the city of Phoenix with a clear increase in our pit count over the last four years. So in 2020, 7,419 individuals were identified on the pit count, and we are in the midst of a serious affordable housing crisis in Arizona itself so 73% of extremely low income households are severely rent burdened and spending 50% of that income on housing costs. Within the city of Phoenix, the city of Phoenix recently did a housing data search and they found that 46% of households within the city actually fell into that extremely low income bracket and 65% were low to moderate or below. This shows the extent of the affordable crisis and the population that Phoenix are dealing with. So prior to COVID-19 organizations were striving forward and we're collaborating across municipal levels and with nonprofit organizations. So just prior to the extent of the breakout, so the outbreak had called for a joint regional approach and a homeless plan for the area with the support of the governor and the city of Phoenix for working on an affordable housing initiative. And now I mean I can say that the city municipality and the organizations have been really sidelined by the current crisis so we're all kind of grappling at the moment to find the solutions to meet the immediate need. And we're obviously facing with the high homeless population, a challenge in putting forward the adequate protections and also identifying solutions to keep people in their homes amidst the unemployment that's occurring. Great. Thank you all for setting the stage a bit for the rest of this discussion and I'm certain that all of these problems that you've touched on are not unique to your city as they can be found throughout the country. So last week, FPR spoke with Diane Yentl, president and CEO of the National Low Income Housing Coalition about the congressional stimulus package and some of its implications for housing. So now I'd really like to focus on state, county and local level responses. Joanna, start with a question for you. Arizona lawmakers recently passed their own $50 million emergency bill. Why did the state supplement federal action and how does the bill target housing? Okay, so the bill was added as part of a deal between Republican and Democratic leadership in the Senate and they wanted to develop a bare-bones spending plan prior to recess. Leadership anticipated that there'd be a gap in federal funding to address the pandemic. And so knowing that we already have such a huge problem in the state with housing and homelessness, the Senate wanted an Arizona focused approach while we awaited details of the federal stimulus. And in terms of how it helps, the bill will be targeting three priorities relating to housing. Firstly, payments to prevent eviction that will be allocated through the Arizona Department of Housing. Number two is to fund shelters who provide services to individuals experiencing homelessness. And $5 million has been approved to be appropriated to DES to support the shelters in that effort. And within that effort, the focus is going to be on temporary isolation and quarantine housing, sanitation supplies and services and other resources as needed. And finally, the bill will be addressing food insecurity. So $1 million has been appropriated again to DES to provide immediate assistance to food banks through existing infrastructure and an additional $750,000 to support additional food insecurity programs. And then what we're also doing because that's around just over $6,000 million of the $50,000 that's been appropriated. The Arizona Housing Coalition is working on developing some policy recommendations for the remaining funds. And that will be including rental assistance paid directly to landlords and staffing and coordination within the temporary shelters along with transportation, which is a huge issue right now within Phoenix. And just in addition to the $50 million on March 30th, the Arizona Department of Housing. Joanna, I think you may have muted yourself by accident. So I was just saying that the Department of Housing opened $5 million from the existing housing trust fund and a eviction prevention program went into effect on March 30th. So that's kind of the state funding overview right now. Thank you. Certainly seems like a lot of action at the state level in Arizona. Amy, to you, activity has been a bit different in Indiana with Governor Eric Holcomb recently vetoing a housing related bill amid the pandemic. Can you tell us a bit more what that was all about? Yeah, unlike what our great colleagues in Arizona have been able to proactively do. Unfortunately, we were having quite the battle here in Indiana to not take things backward when it comes to housing, the different housing needs. So as I mentioned before, Indianapolis has had a number of different housing barriers and impediments related to habitability related to affordability and evictions. Starting last summer, the Indianapolis Mayor Hog said had started working on the potential for an ordinance to try to address some of these issues. And it wasn't until this year that the city council was able to pass that ordinance, which included things like a requirement that housing providers had to provide attached their lease information about tenants rights like their access to legal assistance services. They're right to contact public health items such as that. And then it also had fees for retaliation fines for retaliation. If a housing provider retaliated against the tenant for them simply contacting public health about a habitability issue or legal services within that, and it had those fines that were addressed in there and it had a number of other features within the ordinance as well. So that was passed at the city level and immediately, actually the day of the Indiana General Assembly amended a bill that was unrelated to this particular topic, but amended the bill to preempt cities from basically anything that involved them being able to have any authority over the landlord-tenant relationship. So it was literally that broad in that. And that was viewed as fairly controversial because it was at the end of session, added into an unrelated bill, and it was added in basically during conference committee so no public testimony essentially was able to be given as well. We were part of a broad effort over 300 groups that very quickly came together and really try to make clear how devastating that this would be. This was pre-COVID really showing its potential impact. And so this was about mid-March. Unfortunately, the Indiana General Assembly passed the bill, SEA 148, so then we moved to trying to get the mayor or the Governor Holcomb to veto the bill. And after some pressure, we were very pleased to see Governor Holcomb veto the bill and only his second veto of his administration. This is a good lesson and always make not only watching what your local city is doing, but also watching the General Assembly as well. And, you know, being able to pull groups together very quickly to try to address something because we figured this bill will be back in the next session. Thank you. And Amy, I just want to follow up on something you touched on a little bit. Indiana is not unique in the fact that Democratic or blue cities are often at odds with Republican or more red state leadership. How do you see this dynamic further impacting housing-related responses during the crisis? Well, for the crisis, our General Assembly now is not scheduled to meet. They do not are not there through the whole year. They have long and short sessions, typically from January to April or March within there. They'll be back basically in November. So the discussion is certainly being there. And in some ways, it's an opportunity for all of us to highlight just how important housing is. And that and that COVID is really exasperating the public health crisis when people do not have access to stable affordable housing. And so in some ways, that's going to, you know, be how we need to make clear uses an opportunity to educate decision makers about the need of housing and how legislation like 148 is completely detrimental to that effort. And making sure to that we work with housing providers. We certainly, you know, want to work with them to try to find things that we could possibly, you know, agree upon within that. And it's our hope that maybe that will happen. Great. Thank you. Dan to turn to you in relation to discussions around landlord tenant dynamics, the cohort COVID excuse me 19 pandemic has really brought issues around eviction to the forefront with widespread job loss, putting a lot of pressure on renters. Could you speak a bit about any eviction prevention measures and Winston Salem, who was behind these decisions, who was covered and how the policies are communicated. Even before COVID 19 was coming down on us, there was concern about the increased number of evictions in Forsyth County. We have a very caring community in and folks were worried about the number of evictions and how they were happening. There was a call as the virus hit us that the mayor of Winston Salem called for moratorium and he was joined by the sheriff and requesting moratorium on evictions. There was some questions about the legality of that. But then the Chief Justice of North Carolina stepped in and shut down all the courts. And they shut down almost everything. The court proceeds and including the eviction so they were shut down and so they're shut down till I think it was like 30 days and that would have been I think we're coming upon that here shortly maybe the 14th they think are a little bit later of April. So it'll be interesting to see how that plays out once the courts are back open again and evictions are open again. There was some question to have some evictions that had started before the courts talked about it and so they there's some folks that are saying that evictions are still occurring but they're very rare right now. And the people that were behind it were a lot of advocates here in the county that they we look at the continuum of care and a lot of folks were worried about those folks becoming homeless and adding to the already numerous homeless folks that we have. And so they what they're concerned about now is what happens after the moratorium is off and maybe how we deal with eviction and because these folks are going to have to pay most likely their past rent and then have rent do and who knows how much past rent you have and how much will be due so they're trying to look for solutions that may help that eviction process to to not have such a disastrous effect on our residents. I think there's been some talk about maybe getting some legal representation at the hearings when the eviction hearings and trying to talk with landlords about maybe selling for a little bit less money than they otherwise would and we're looking for some funds that may be coming in. I will tell you this Forsyth County was the same Forsyth County has developed a fund of a $3 million fund a little bit over $3 million and it's being run through our Winston-Salem foundation and they will be delivering funds out to nonprofits to give to folks that are eligible and hopefully that will help some of the folks with their rent once this moratorium is over. Great thanks and I do want to loop back in a bit to that important point you made about the end of the moratoriums and past due rent and how low income renters and other vulnerable people can deal with that. But before I do I'd like to bring Joanna and Amy back in and ask if there have been any similar measures surrounding eviction in Phoenix and Indianapolis. Amy. For us here in Indianapolis what we have had is the City of Indianapolis part of that proposal that I talked about earlier set aside about I think it was $250,000 for additional legal assistance for people confronting eviction. So that's been the first step certainly by the City of Indianapolis. We haven't seen that on a statewide basis but cities in Fort Wayne and South Bend are also evaluating similar provisions. This again was pre-COVID and we'll have to kind of see how those other cities move forward. We're at Arizona and very similar to Dan's community. On March 24 we had an executive order from the governor on eviction enforcement suspensions. So any tenant that's received any notification of legal hearings or court documentation can issue their landlord with a COVID-19 tenant notice to request a suspension of the eviction or the written restitution. So courts across the state are adopting various practices to deal with this change but again we are obviously concerned about the fallout with that because it's not a suspension on rent. It's just the control of the enforcement of eviction but I know we're going to go on to that in a moment. Great thanks and I just have to quickly follow up and ask about any policies related to mortgage payments and foreclosure because you know there's concern around tenants paying rents but a lot of times landlords and especially low volume landlords rely on that rents to pay their mortgages. Has there been any movement around mortgages in any three of your states or cities? Sorry as far as we're aware within Arizona there's no new policy or program regarding mortgage and foreclosure but we do have an existing foreclosure assistance program which the Department of Housing put under the forefront of their website and communicating that that is available to any homeowners that are at risk. Thanks and I saw a shake of the head from Amy Dan. Anything on your end? Yeah we are fortunate to have the Center for Homeownership in Winston-Salem and Forsyth County and they work with folks that are having struggles with their mortgage payments. We went through a lot of foreclosures back in the last crisis we had when we had the banking crisis and we were losing close to 110 homes a month of foreclosures. And so we have some counselors that are really good at working with folks that you know they had some buyouts at the end of the state of North Carolina came through and helped out. And I did notice that Fannie and Freddie Mac at the federal level are forgiving or deferring payments for the next two months and I think they're just tacking a mile to the backside of the mortgage but I think that will be real helpful in this crisis too. So we're looking at all kinds of solutions that we may be able to use with some of the federal money coming forth. Great thanks. And to circle back to a point Dan made and it's something that I saw in Arizona as well with Governor Doug Ducey. It's that he's placed the moratorium on evictions for 120 days but again it's my understanding that once this measure is lifted tenants will owe any past due rents. So Joanne I'd like to ask have you seen any solutions put in place or any solutions proposed to ease this burden when it comes. Sure so um yeah that's been a concern of our communities and what happens after the 120 days when the rent is still due and the landlords can move forward with the risk of restitution. I mentioned earlier that the Department of Housing had brought forward an eviction prevention program using existing funds from the Housing Trust Fund. So the hope is that tenants will use that fund to mitigate the risk of eviction down the line and the fund is actually very flexible in that it's available to all Arizona residents as long as they are at or below 100% of their income and they don't need a court order or notice and so tenants can use it if that income has been impacted by COVID-19. There are a few requirements that they have to pay 30% of their income towards the rent and also any stimulus funds that owed some such as the unemployment bolster or the individual payments will be paid towards that. So yeah I'd say the Department of Housing have been proactive in getting that fund together and we also really want to work on some tenant education to make sure that tenants are fully aware that the rent is still due and they are aware of all of the resources and financial resources that are available to help them to pay the rent and also to communicate the importance of landlord tenant communication during this time. I think it's really an opportunity for landlord and tenant education around this issue and how the executive order works along with all the funding. So I should jump in and say that our governor like many others has put an eviction moratorium on and there is actually a press conference going on right now. Our moratorium is supposed to expire in April 6 and I believe it's getting extended. It's going to potentially get brought up in the press conference here today but I agree with Joanna is an opportunity that we really need to be educating tenants and most of them know that this rent is going to be coming due. What can be done to try to ensure that people don't lose housing because they simply don't have income right now and when that rent comes due after the moratorium ends whenever that might be is just going to be critical. I just want to add to that also a really important piece that I know is happening in our community with the PHAs and the housing program operators throughout the month of March. They were most certainly working proactively to engage with their tenants and to ask if there's been any income loss to make the adjustments to their contribution. So I think that's been really key hopefully to not see so much of a fallout from tenants and rapid rate rehousing programs and other subsidy programs. Thanks both Dan any any thoughts on your end. Well I just say this I think if you're going to have a real exodus of folks being evicted at some point in time somebody's got to fill up those affordable units and somebody is going to. I think landlords know that they're going to have a hard time finding folks that may have blemishes on their credit they may have issues that keep them from moving. And so I think some of them will think well maybe I've burdened a hand is better than than losing it all. So hopefully that there will be some landlords out there that say yeah I'd like to keep my person in there maybe we'll attack on a little bit of money every month to get caught up somehow. But I don't think that's anything that's going to be government mandate is going to have to be you know some some education with our tenants in our landlords. Great thanks. Now education and tenant education is something all three of you mentioned and I just want to get your thoughts on maybe how that can go about during the crisis you know libraries are closed community centers are closed church services aren't being held anymore schools are closed these communities where people can engage in dialogue and discuss about these issues are shut down and people are huddled in their homes. Any thoughts on how you can get the word out about some of these policies. Yeah I think that's a really good point. And I think this is where we have the opportunity to use social media platforms. And also hopefully to to try to get the word out with, as I say the coalition working on some form of communication for a tenant education landlord education that we will send out to our members. And we'll use our social media streams. So I think that information gets shared. I think also having good partnerships with local media is important. We have good partnership with the media team news, the news teams here in Arizona I think it's important to keep that line of communication to see if there's anything they can do to help to spread the word. And also, I know community legal services here in Arizona are working on tenant educations and the AMA working on landlord education so yeah I think as long as we're, you know, collectively understanding that the message is clear that we need education and communication. I think it's really important that we just as a community try to get the word out in whatever way is possible. Great thanks Joanna. Amy Dan anything to add on on that point. When it comes to education I think something looking down the road for all of us is coming out of the foreclosure crisis we saw significant funding that was needed for foreclosure counseling programs, housing counseling programs. And I certainly expect that we may, you know, have that need certainly again, as it relates to mortgages. There are, we saw in the post foreclosure crisis that unless there was, you know, federal policies, there would be inconsistencies between the banks and how they did the loan modifications. And even those that were required under law, you sometimes need that qualified counselor to help you in navigating it with banks that were resistant to follow what they were supposed to do. So we certainly see a push and we would support that to get funds going again to those type of housing counseling programs because that is certainly dwindle law here in recent years, and it's going to become critical again, let alone the need for funding for legal services groups to help people in navigating maybe payment plans with their housing providers outside of potentially any direct payment that might be done at the federal level that we could certainly advocate on in trying to reach landlords for direct reimbursement as well. And can I just make an addition also just something that has just come to mind. And so the Arizona Housing Coalition we're going to be advocating for housing counseling in the next stimulus federal stimulus package. So that those homeowners have the necessary support and resources available to them. Dan. Well, I think it's going to have to be some education and some outreach on behalf of folks that are tenants that are getting moved out where they can get help how they can get help. And then also we need to really speak to the landlords at the same time and let them know that this is the situation I think it's going to become a supply and demand equation at some point in time but I'm not sure when that will be. And I do know when we had the crisis with home ownership and the mortgage that the banks were in trouble. You know, in lending for home ownership, there was they were having a hard time lending they had more houses and they knew what to do with it so eventually it settled out with supply and demand and it makes for great opportunities for some folks to buy buying maybe neighborhoods they couldn't afford before. I don't know if that will be the case here but I do hope that we can get some that some of the federal assistance to the home program community development block grant so forth can be used to kind of shore up some of those issues. Great thanks and not to broaden the conversation a little Dan I'd like to turn to something we talked briefly about over the phone earlier this week and that's the issue of homelessness. Can I ask what's being done in Winston Salem to help the homeless homeless, excuse me population population during this crisis. So we have a continuum of care folks that kind of grew out of the 10 year plan in homelessness. It's led by the United Way but they get with the agencies periodically, but lately they've been meeting daily and talking about the situation how many beds are open how many are folks are sick or if there is anybody sick directly into the hospital so they're they're staying in constant communication throughout this whole or deal. I will tell you that the county, the health department are social services director and some of our staff are looking at possible places for the homeless to go if they they fall victim to the virus. And so we're trying to look at maybe possible old hotels that are somewhat vacant or vacant we're looking at old schools we're looking at buildings. One of the things we're trying to do is is find a place where each person can be contained in one unit with a bathroom. And so we're trying to figure out what what is out there that we might be able to acquire or not acquire but make use of. And so we're getting closer and closer on that we've looked at a few and so we're moving in hopefully we'll be able to find something in the next two or three days. Joanna I'd actually like to ask the same question of you as I know Phoenix America County has a large homeless population as well. There's been a lot of activity and shelters at the moment, waiting direction from the governor's office to confirm how they may spend the $5 million allocation from the emergency state fund. In the meantime, the governor has asked all shelters to provide a list of the supplies that are going to be required through December and the state will be making a bulk order. So that's been going on. There's been so much collaboration and activity and conversation as to how shelters and outreach teams could continue. I mean obviously shelters unfortunately have had to reduce their bed capacity to ensure the adequate space for social distancing as best as they possibly can. And as a result, Maricopa County has been working really hard to try to secure buildings for large scale quarantine. I know that they were looking at the Coliseum. And unfortunately that's not available. So looking at creative ideas such as sports stadiums which you know are the states around the nation and with large homes populations are looking at. But we've also had an influx of hotels wanting to help because the hotel industry is obviously very weak at the moment. And so I know Maricopa County are reaching out and we're also trying to negotiate deals with hotels to pass along to our rapid rehousing providers that can provide a big, sorry, emergency housing assistance so they can procure some of those hotels.  So looking at temporary showering availability and another human services campus which is the major coordinated entry site in Phoenix for the single side has managed to open up a 50 bed temporary shelter which didn't exist before. And they're looking at also opening up a campsite, a structured campsite on on their grounds are just waiting for permitting from the city of Phoenix. Outreach services are still operating with precaution. So for example, rather than have outreach meetings in vehicles that conducting them outside of vehicles, there is an issue with transportation that's trying to be worked around. And then outreach teams and shelters are partnering with health providers and health organisations to provide a triage system for COVID-19 assessment and treatment. So, yeah, I'd say, really, I see I saw great work straight away from the really dedicated shelter to teams and outreach teams in collaborating and coming up with with resources and I think there's great things going on and we're just anticipating what additional supports can be provided through this state from the federal school so. Great. Thank you. Amy, anything to add on your end about the homeless situation in Indianapolis. We have some great homeless groups, along with the continuum of care. They're doing some phenomenal work right now working with shelters. Obviously, this is a. This is a very vulnerable population and trying to navigate that. We've also had some extended stay hotels where shelters are different actually groups are moving their people into as well. I think Joanna had mentioned the access through hotels, but one of the barriers that we have seen there is some evictions that have been occurring within the hotels and whether or not that violates the governor's order on eviction moratoriums because it was a hotel that was essentially doing it. So that's something that advocates and individuals who work for the homeless groups have been trying to get some additional clearance on. But like Joanna said, a number of homeless groups here in Indianapolis are just doing some phenomenal work right now under some pretty tough conditions. Great. Thanks. And Amy, I'd like to stay with you just for another question. Habitability issues and substandard housing, as you previously mentioned, in Indianapolis rental units, you know, inadequate heating, faulty electrical wiring, broken water pipes. That's been widely reported in the Indie Star and elsewhere over the past year or so. How do you see these issues affecting tenants following the statewide stay at home order? Well, we're hearing about that right now. Both our organization as well as legal services groups are hearing reports where emergency maintenance is not being done and excuses COVID. Yet, these are typically the same bad actors who typically, you know, don't do that type of maintenance traditionally as well. So that's in some ways given some of the bad actors and excuse when it comes to that. And when it comes to just general maintenance, certainly that's being navigated between housing providers as well as tenants so that both parties, you know, end up being safe within that. But my worry is, again, like so much COVID is just going to exasperate, you know, a problem that was already at a breaking point coming out of this.  And is this going to be an opportunity for again, out of state investors to come in and scoop up property. And we don't necessarily need anymore. We really want to have, you know, local in state ownership as much as we can, or some sort of local in state property contact, because that certainly helps when it comes to trying to navigate those who do not fulfill the requirements as relates to substandard housing, code violations, and it list goes on. Great. Thanks. And you're certainly not the only housing advocate in Indiana talking about out of state property owners these days. Dan, to turn to you for the last question I have for you. So studies show that Winston Salem and Forsyth County experienced some of the worst socio economic inequality in the country, unfortunately. And so in the long term, how do you see the pandemic affecting homeownership and renting, especially marginalized communities. I think it will have a great effect on on the citizens and the marginal communities. We have a housing stock that's pretty old in some some situations and needs a lot of repair. We have a lot of down payment assistance programs through the county in the city that can that help out some folks. And our housing, I should say this, our housing prices again for home ownership were pretty low compared to other cities. One of the problems that we've had in Winston Center Forsyth County is that our incomes, it's not really affordability issue. It's more an issue of our residents not making enough money. We need we need to have more jobs that pay larger salaries so that folks can afford these homes. If you look at a trend over the years, the housing prices have not gone up that much except maybe just the last six, seven months or maybe a last year, but they've gone up quite a bit now. But before that we were pretty much four or 5% along the way, and but our incomes had gone down quite significantly. And so one of the problems we have is we need to find better jobs for our citizens so that they can buy affordable housing. So I think long term we're going to have some things to straighten out and hopefully we can attract some businesses that do pay higher wages and can also build more affordable housing at the same time. There is a real gap in affordable housing here in Winston Center. I think some studies says there's like 14,000 units need to be built within the next five, six years and that's going to be a tough, a tough road to do. I do think that we need to figure out how we can build more affordable housing and how we can make more land available for affordable housing and that we have more water and sewer that can go to those folks so that we can build at higher densities. Great, thanks. And now before we transition to a bit of audience Q&A I'll end by asking all three of you what more needs to be done. I think that for us here in Indiana we need to look, here in Indiana we do have a fairly healthy state reserve. If this isn't a crisis I don't know what else is and for us to potentially look at what that might be and whether that is some sort of direct assistance for rent payments or whatever else that might be but this is a crisis we've got to be looking at that. At the federal level, same thing, checks aren't going to be coming fast enough for most people who have bills to pay. They've been out of job loss. People still got to go buy groceries even if they can hold off on paying rent. They've still got to pay for other expenses and one check is unlikely to be enough to get people through this crisis. So advocating for that and understanding that and making sure those landlords are supported as well as part of this process with potentially said do we need to consider some form of direct payment that would assist those that may have tenants, again, through no fault of their own, who can't pay rent anymore. Thank you Dan. I think it's going to be interesting we'll have to see as this plays out how many people did lose their homes how many people are going to be left in the street and how that all plays out. Also how much the federal money can make a difference but also locally I know, like I said I think earlier before that our communities come up with $3 million to assist families that are being affected by this and we do have a strong community that really helps each other out so I think that's one of the things we have to look within ourselves as we go on. But again, we are going to need that continued federal assistance to get folks housed in affordable housing and how we do that will determine our future. And for Arizona, I think really importantly is that we need to ensure that we coordinate efforts between the federal and the state entities to ensure that we are using the state funds that are coming into some supplement and not supplant the federal funds. And we also need ongoing transparency and clarity on how the funds can be deployed and use on the ground. I think short term most definitely protection for our most vulnerable. We need to make sure our shelters and frontline staff have all of the supplies that they need and that those that are street living have adequate space and hygiene items through this crisis. And I think also looking at the long term, I think it's really important that we ensure that once the dust settles that we continue our advocacy efforts around affordable housing because I mean like Dan said we're not really going to know exactly how this has been going to look once this is over, whenever that may be. But certainly we had a serious crisis before and we need to make sure that our state representatives don't kind of lose the wheel on that and we make sure that that still remains a clear priority. Thank you all and we'll turn to a few of the questions that the viewers have been submitting over this conversation. The first one is for Dan. The question is about the projected shortfall of affordable housing units in Winston Salem. It's as high as 16,000 units projected according to the mayor and the just the viewer wants to ask how this can be mitigated in the short term amid the crisis and then in the long term. Dan I think you muted yourself by accident. I think in short term it's going to be difficult, you know, we're going to have some situations that come up that we're going to have to figure out how to handle. I think in the long run we have to build more affordable units and I think we have to build at a higher density and we need more mixed income neighborhoods. Some people have been talking about going vertical with housing, not just going out and spread out but more in a vertical situation so that you might have three or four story units. We have been successful in Forsyth County and getting some tax credit projects that have been very helpful. The North Carolina Housing Finance Agency has played a big role in that we have a good housing finance agency that provides money for home ownership and for rental to and are very active in our community. So I think we have to look at all our resources, you know, I know some communities end up having bonds just for housing set aside and I think the city Winston Salem did that some years ago and and that may be something that is looked at by local governments here. So I think that's kind of, there's going to be a lot of issues. The private sector is going to have to step up to and figure out how they can build more affordable housing but do it in a mixed income kind of way, whether that's higher density or going vertical is things that we need to figure out. Great. Thanks. And the second question is addressed to all the panelists, but Amy, I'll direct it at you first. So we're hearing questions from small landlords smaller operators who would require rental assistance to keep home safe or maintained in the face of a moratorium and they'd like to ask, there's any advice on how to engage these good actors and the provider management space to advocate for assistance while protecting tenants. Yeah, I think it's very so often we hear only about the bad actors. Those are the stories that certainly make the news or that we hear about and there's we don't hear about the good actors those wonderful opportunities we know there are landlords in our community who are working with their tenants and understand what this crisis is. And those are landlords we need to support as I mentioned for some way to make sure that they're able to also pay their bills needs to be looked as part of that. Finding that is certainly you know part of our struggle though. Finding them locating them as part of that. There are here in Indiana we have a couple efforts in different cities of creating tenant unions and very often those are able to find those landlords because you know working with them and identify them you know as part of that. And it's our hope that something like that will also be able to take off. And the other thing that I wanted to point out as well is this is also a tremendous opportunity for those who are using vouchers to get rented to. We have a huge voucher denial rate here in Indiana in Indianapolis in particular. And here is a form of guaranteed rent coming in that's being paid directly from the government. And it's an opportunity to make sure that our voucher households that have struggled so often the past have an opportunity to get house in that housing provider has that guaranteed right coming in as well. Joanna. Yeah that's a great point Amy. I think it's certainly an opportunity to engage our landlords. I think we're in a time where landlords are severely impacted by this and it's very uncertain times for them also. And I think we've got to take into consideration that landlords in a lot of cases are going to want to hold on to their tenants. So I think I like your idea Amy about sort of engaging landlords to fill that gap that we've been trying to fill to holders. But also I think that there's room here for the conversation around landlord tenant education and opening the lines of communication. I think we can engage those landlords and provide them with really useful objective information about the resources and protections that are available to them alongside the resources and protections that may be available to their tenants and hopefully together with both of those angles we can protect or work to protect both the landlord and the tenant to make sure that we are keeping existing affordable housing stock or just housing stock in general. Dan anything to add on your end. We used to have for home ownership. I'm more involved with home ownership than rental housing. The county doesn't do rental that we have a housing authority in the city has some programs for rental housing. The ones we have been dealt with have been in tax credit deals. But I know some years ago we had a group that was a group that would buy land that was set up to just go out and buy land and hold that land develop it and then turn around and sell it the lots off to developers or builders. And so that it was a savings that was passed on on the supply side of it. So I think one of those things is we need to start looking at more nonprofit housing. Our, our, our habitat for housing has done a really good job here in Winston Salem built tremendous neighborhoods and so forth but we need more efforts in from our community development corporations. It'd be great to have folks that were nonprofit that actually had builder, you know, contractor builders that were working for nonprofits that could actually build houses for less expensive amounts. So I think there's going to be a lot of different strategies that are going to have to be done and it's not something new. We've always talked about affordable housing in the United States and it's something that's just not going to stop now but it's going to be exasperated. So great thanks and I think we have time for one more question. So this one touches upon landlord tenant relationships and really the power dynamic between landlords and tenants which many find has only gotten worse in this crisis and this question is just about what what's the messaging that you go to landlords with during this crisis to get them to get them help with renter protection and sort of easing back on evictions and things like that during this crisis any start with you. There's probably going to have to be a combination of things on that one is there may have to be some sort of incentive or a continuation of some sort of order that's issued potentially by you know the courts or maybe through an executive order of maybe possibly mandating that when we come out of the eviction moratorium or the foreclosure moratorium which we also have here in Indiana that there's some requirement that if the non rental period clearly happened due to covid that there's a requirement that there be some sort of mediation or arbitration you know as part of that instead of going directly to eviction court and going down you know that particular process to try to you know navigate that or make that easier for our legal services groups were also trying to navigate that for the tenants as well. I think on top of those ideas I think most definitely clarity in mentioned before the resources available both to the landlord and the tenant. I think that there's a lot of confusion sort of on both ends and a lot of confusion around the federal stimulus until we receive clear guidance and I think you know landlords are panicking tenants are panicking and I think that we need most definitely transparency in the support that is available to the landlords and I guess a message of unity. I mean I guess we need to value our landlords in this time. We need to make sure that we do everything that we can to maintain the housing stock that they're providing to our tenants alongside obviously protecting the tenants and making sure that they keep their home and so I guess a message of unity is important in this time. Dan anything to add in our last minute. Yeah I would speak to the second Joanne's conversation I would say that we can't afford to to lose our landlords you know we saw when we had the other crisis when we had people losing their homes people would walk away landlords walk away. There was folks that were working on houses stopped in the middle of and walked away their hammer still in the house. We need landlords and landlords have there have been good ones and there's been lots of them here in Winston Salem but I think maybe what we could also talk about is maybe set up a mediation board that would meet and talk about the landlord and the tenant and see if they can work out some agreements that the landlord could be made not completely whole but whole enough that they can continue to rent out and hopefully if they've had a good renter I would if I was a renter or a tenant I would want to have that that renter back in there because they know they've made payments over the years and through no fault of their own they've lost their job they can't go to work as a landlord. I know I got to get some money so I would try to work out a deal where I could get some of my money back and start fresh from there on out so I think there's room for mediation and conversations between the two. Great, thank you. Now, unfortunately, we're out of time. I would like to thank all of our viewers and extend a special thanks to our three panelists for their time and insights. Amy, Dan and Joanna, thanks so much for joining me today for this conversation. I hope everyone watching continues to stay safe and healthy. So bye for now.


All our printed magazines are in danger to go out of print to disappear. The predictions for the future of printed media is really, really, really very dark. And for my point of view, I see that they do everything to disappear because they really only promote the electronic issues. They, of course, have a lot of distribution problems. Also digital publishing is not at a sustainable place. It's incredibly volatile. It's way costlier than most people perceive of it.


Hey guys, this is Matt Beck from freesaloneducation.com finally two years later I get to talk to Charlie Price, so I'm pretty excited about this I have some things I want to catch up because I know you got a lot going on you've made some changes in your life So I want to talk about those and also just salon life in general because I know you have a lot to share So let's get started Charlie Price I don't really even think we need to talk too much about your past I think everybody knows where they know you from but if you want to get into that a bit my prison past or my hair dressing past Yeah, your prison past But yeah, so you started Well, I first saw you on sheer genius obviously and I think a lot of people did and then so let's talk about right after that What happened well right after that I got a lot of exposure obviously and I had been a platform artist for about 10 years before that or maybe even 15 and It was a really great thing because everybody wanted to know more about me But then some of the people who already knew me thought that it kind of perpetuated that I was the lightweight So I had to win hair stylist of the year to prove that I'm not right, you know Right completely a big piece of reality show fluff No, and I think you're the furthest thing from that and anybody that follows you on social knows that because you post a lot of Great images great content constantly. So let's get into that. You do a lot of photo shoots I go a lot of I'm a bit of a photo shoot addict Yeah, but I think right now we have to have material because the best way to reach Hairdressers and an engage in the industry is social media and you need constant content. Yeah, just like a cable news network Yeah, you know, I think what a lot of people don't realize and a lot of big companies don't realize right now is that you Like they're putting out things ever once every once in a while, but like you're forgettable That's right. So it's a bit like the fashion industry Everybody's trying to catch up with H&M because the minute a runway show happens They've got their team of people there to duplicate that look and get it out there to the masses right away That's what we're dealing with in the salon industry right like Napster. Yeah, exactly. So let's speaking of fashion Let's talk about fashion week. You do that quite often, right? Yeah, we do fashion week and I know there's a lot of companies that do New York fashion week and others I'm the European shows, but what we do is we bring everybody together Before and we practice the look on mannequins and everybody meets the team knows each other networks with people from around the country around the world Whatever whoever comes in and we actually let people finish the look So it's meant to look like it was all done with my hands, but it really is I let everybody finish the work unless I have to change it Yeah, so people really understand the process and they know exactly what they can take away from it and and how to kind of go forward from it because I did runway shows for like 15 years and and it's it's a very confusing Nebulous world. It's the worst. I did I did fashion week twice and it's the most confusing like those shows are kind of confusing backstage But but fashion week is like you don't really know what you're doing So that's really cool that you guys get together and you plan it all out We want people to fall in love with us and fall in love with fashion shows and fall in love with the idea of coming to New York City Every two months or every twice a year. Yeah, and so If they're upset confused and secure and have anxiety none of that happens They just shut down right and it leaves people with a very bad discouraged Effect and we want them to have to be happy and to understand why it's important and why it's useful for marketing for them Right, and you keep saying us so let's talk about who is us us is the beauty underground It's artists collective that I put together people from masters from different Manufacturers and we come together to do fashion week bespoke education hair shows and photo collection And it's kind of an offspring of my magazine beauty Underground which is really just a forum for people to show their work without ads without censorship and just total freedom to express themselves so we have like Ruth Roach start to stick director of Pureology Jill lights from Redkin Lisa van from Aveda and many many others Katie Nielsen from scruples and then my fashion week team Nikita and Serena that I've worked with for years, and then we just have our ebony team here Okay, Shirley Gordon from walla. You should bell for care therapy. It's just a whole it's a gang of hairdressers That's awesome. And so tell me how that started. What was your purpose behind? Well, we have the ebony team, which is the newest incarnation We started with a women's team because I was talking to all my really good girlfriends And I was like, you know, it's so weird that there's like a glass ceiling for gays and and the women in the industry get kind of lost They're not given maybe the quite the degree of revenants or that I think they should have So I'm like, let's start our own team, you know, we can all use our own products You know Ruth loves pure ology Jill is like lives and Breeze Redkin, right Lisa is totally in the cult of Ada She's it is a cult dangerous but anyway So We're having so much fun and we're also able to kind of just reach hairdressers without trying to sell them anything Right, it takes away that agenda and we can just have jam sessions together But also really teach hairdressers how they're responsible for their own careers You know, everybody relies on their salon owner or the person they're assisting or their manufacturer to do it all for them Really, we're not anti-manufacturer at all Right, we are trying to just empower hairdressers to realize they're responsible for their own thing So in the essence of it, we're really pro-manufacturer because we're helping them out right coaching their people to be like it's not there It's not their responsibility to make it happen for you. You have to make it happen for yourself Yeah, I think a lot of people get confused that it's like a damn the man situation. No, it's really it's not it's that's not what it is It's about not relying on a Product company to support your career Your career is yours. We love all these products. I worked with a beta years ago I still love their product and I and I have all my friends from there I worked with Redkin. They host us for fashion week a rojo. Just host this for fact. I'm not anti-manufacturer, right? I'm anti dogma and I'm anti complacency and I'm anti apathy Right what I think happens and it's and it's a problem for manufacturers is you get a tribe of people And they just feel like they can just kind of coast. Yeah And so you get you get sort of this like river of mediocrity and we're trying to kind of pierce through that Yeah, that's awesome. So in Gordon from American salon You know he came in and did an intervention with me and I put me through social media Rehab I thought that's what you're talking about when you're talking about changes in my life No, that's what that is kind of what I'm talking about. Yeah, I'm a new woman.  Okay. I don't know it's all the rage, you know You caught me off guard, but I do that. Yeah, that's good. So we but changes For me personally watching you. I don't study you But I see your work and I've seen you go through a lot of changes. You look very healthy. Thank you Which is something I'm working on at this point in my life So tell me tell me about like just getting a whole refresh restart on on that aspect. Yeah Well, I when sure genius happened I created this very profane crazy party animal person and It was me, but it was an amplified version of me. And so now I'm getting close to 50 I want to feel good. Yeah, I'm 47. I want to feel good. I want to look good And I love, you know drinking and having fun. I don't do drugs, but I Just would rather feel better, right? So I have a little bit of corona instead of four gallons of wine Plus I I just feel like I have such a message that I want to give and if my my message is obscured by stuff that really doesn't matter or that's Attention-getting and provocative in the wrong way. It's just not working. So I don't I don't cuss on Facebook anymore I cuss in person but not in Facebook. You do have some good rants on Facebook though But they are softer than they are softer and they're to the point because I feel like sometimes my delivery was so Abrasive that people just shut off and they weren't even hearing what I was actually trying to say, right? So I've kind of tried to clarify my message and and get a little more concise and it's like a new album You know, I always wear black and I'm wearing color. There's I'm not wearing the giant glasses anymore You know, it's just time for a change for you. Yeah, I think that that's great. And so tell me I guess to kind of Sum this all up you have the Southwest Yeah, we're doing the Southwest hairstyling awards because I'm on the Naha committee and I just always thought we need to get more people Grassroots to know about the industry know about the traditions of hairdressing and know about awards And why they're important for marketing and for longevity and to develop your eye and all that stuff And I really believe in that so we decided to start regional ones We did the Southwest with my a 303 magazine in Denver and we did one every year in Northwest Hairstyling Awards with Lisa Vann in Seattle And then it's branched out off of a hair show that we just started 10 years ago so we have Ted Gibson coming to get Celebrity of the year our celebrity hairstyles of the award tab of the coffee is getting lifetime achievement DJ Muldoon is getting independent platform artist of the year and then we have one open category and Tabitha and Ted We'll give that out Also, I'm working a lot with Eden Sassoon and she's kind of linked into that because Sean Dawson her creative director of Even by Eden Sassoon Salon is a judge as well Okay, and she's such a proponent of this the traditions of hair and why it's important to remember who her dad was Trevor Sorby if obviously he's not dead, but people don't even know who Trevor Sorby is, right? So weird to me. Yeah, you know what's funny? I am in that generation of I don't think I know who that is either Yeah, it is no we got it. We got to have People like myself at my age make sure that it doesn't get forgotten Exactly, and that's that is what it's all about and that's why I enjoy it was kind of why I do this interview thing because This allows me to meet people and to dig deeper into What because now people are being brought up in the industry not learning any of that like and you can see the Frustration and they're lost and they're diffused and there's such a rich history and there's so much Information and knowledge and talent out there. Yeah, I mean, we don't want it to get lost and we don't want them to all become flight attendant Right. I want to keep them in the industry. That's so true. All right. Cool. So tell me last thing would be What are you excited about for the future? What what do you have? I just am excited about the revolution and I think you know, I always thought the revolution was gonna be New manufacturers and new artists like, you know kind of the second coming of like the Anthony muskelos and the horse and the Nicholas French Vivian McKinder type people Ruth Roach, whatever and they're obviously still around There's tons of artists around tons of great products that are coming out all the time But I think the revolution is social media Everybody has a voice to go directly to speak to whoever they want Yeah, and so it could be a gift or a curse depending on what you do with it Right, and I was kind of freaked out by it by all the mermaid crunch curls and the crazy apps and the bad Photography and the horrible models and the tackiness right, but it's like well, then I can it just Makes a more point of difference for those people that actually yeah Yeah, it makes you you stand out in your way, and it's and it's real, you know It also gives me something to teach right. Yeah, let's let's consider something else You know because everybody's doing the same thing. Yeah, and if everybody's doing the same thing Nobody gets noticed like lemmings going off the cliff together. Yeah, so true. Don't be a lemming well There you go. Thank you so much for sitting down. I know it's I've been hoping for this interview for a while Thank you to American Salon magazine my favorite magazine in the industry. It's a reason that we're here And then I get to talk to people like Charlie Price. Thank you. Thank you so much. Yeah. Thank you guys We'll see you on the next video


What is up everybody welcome back to the channel you guys in this video I'm going to simply explain to you and also show you step by step. What exactly, and how exactly to set up a Facebook custom audience. This right here you guys is where your ROI is at. Many, many times again if you've been following my channel for a while I've been building a social media agency since 2016 brought on hundreds and hundreds of clients since then consulted clients and really have done it all. When it comes to social media marketing and Facebook advertising for small businesses. So, I've heard it time and time again where I'll speak to a client and they'll have an experience with Facebook ads that didn't quite work out the best where they spent money they didn't see an ROI. They gave up on it too quick, or at least you know that is the the the actual answer it was too damn quick.  You have to simply retarget or you have to create lookalikes but that's a whole different a whole different video, but it's all about creating custom audiences putting people in buckets that have engaged with previous ads. So, so if I run a Facebook video ad and and and certain amount of people watch it let's say for example it's a minute long video and certain amount of people watch it for 30 seconds. I could take that audience put it in a bucket and then show them another ad the ones who watched it for 30 seconds, or let's say I'm running running an ad to a website. They click on the ad, they go to the website, they perform whatever action or or or not, whoever lands on that website I'm going to put in a bucket aka a custom audience I'm going to put all them visitors website visitors in a bucket, which will allow me to retarget and show another ad to. So as you're running ads, the whole ROI as I'm trying to mention, it's in the retargeting of people who have engaged in your previous advertising and that's all through setting up custom audiences. I want to simply walk you through a few of the most important custom audiences. When it comes to one specific option, and that's going to be website, but the way you're going to get here is all you're going to do is log into your into your ads manager, and you're going to click on these dots up here and go to audiences. Okay, you'll either see it up here at the top or you'll see it down here at the bottom audiences. That's going to bring you right over here. Now, over here we have a couple options we can go. We have a custom audience we can go look like audience we can we can save an audience as we as we go and you know set up our own targeting and demographics we can say we can save that specific audience. But what I'm going to do today in this video is I'm going to show you how to simply set up a custom audience. This is where it all begins. Okay, so we come in here. We can create a custom audience of everyone who lands on a specific website or web page with within our website. So if we have a full blown website, which with with with multiple pages, right, we can get every link to every page and create an audience around every page. Now, you don't want to do it around just random pages you want to do it around meaningful pages, profit profitable pages, whatever pages your ROI is based on type of page, and I'm going to show you right now what what type of page that is for me. But that's a website custom audience which I'm going to walk you through today, but then you also have customer list. So if I have an email list of customers, I could take that CSV file, or that text file, upload it to Facebook create a custom audience and then retarget. Those people in the future, or I can exclude that specific audience from seeing ads from me in the future so fire do you have a customer list. There are people on my email list that are that are full blown customers paying customers or members that opt in whatever you can, you can you can put whatever label you want you want on that whatever, whatever that that type of a lead is to you on an email list for example. Let's say it's a customer list, I upload to Facebook now I can now I can exclude that audience from ever seen another ad so if I'm marketing a specific product, and I already got a bunch of people that bought it. I would create a customer list with the email list right of all my customers, and then just simply exclude that list from ever seen any ads because they've already bought my product they don't need to keep seeing ads. So customer list is super super powerful app activity I've never worked with that offline activity never worked with that video is what we do a lot of video is exactly what I mentioned before you got a one minute video. You're running an ad on it, and let's say you got 10,000 people but only a few thousand watched it for 10 seconds, 15 seconds, 30 seconds or 25% of one minute they watched it right 25%. I could take that and create an audience of those who watched it or watch the whole damn thing whatever, and then use that audience to retarget in the future. This is where your ROI is that you guys people have to see you they have to see your, your message, your, your advertisement.    So being able to retarget these people who are watching your videos and then getting back in front of them. That's freaking powerful right that's powerful. And so, I do a lot of website I do a lot of customer list and I do a lot of video. Okay, now Instagram account that's that's anyone who engages so create an audience of people who visited or interacted with your Instagram profile, post or ads, right, you will need a professional account which can be either a business or creator account. Okay, so that's powerful as well if you have a shitload of people on Instagram following you on Instagram, and they all fit your demographic or they all fit your ideal client, then then creating an audience of everyone who does that visits in Iraq's posts, or or comments on a poster ad that could be powerful as well lead form that's when you're running lead generation ads, and you can you can, you can, you can create an audience around anyone who engages with that. And then instant experience never done shopping never done on Facebook listings never done Facebook Facebook page that one that one's just like your Instagram. So anyone right here create an audience of people who follow or interacted with your page. That could be powerful as well again, the Instagram account and the Facebook page, I would only really do create custom audiences around that. If you have thousands of people who are following you on that page that fit your ideal client.  If they're not exactly in my in my, you know, in my in my direct path of doing business. So that's why I stick with website customer list, or video. Okay, so today I'm going to do website. We're going to go website and then we're going to go next. Okay, so here's all we got to do this is super super powerful and super super simple. So when you're in here, you always want to make sure that the source. This is the pixel that that that is on that page. So as I'm going website now I'm going to go into my into my culture account where I host all my websites, and I'm going to grab specific links, all these links need to have this specific pixel on it. Okay, which this one number two, this is the one that's on my pages so I want to make sure that that's green I want to make sure that that's the one. And then right here all website visitors what I want to do is I want to hit that dropdown, and I want to go to specific now you can go to website visitors where includes people who have visited any of your websites. But again, every page is different within my website so I want to be I want to be specific. If they opted in and they land on a thank you page. That's a specific page. If they if they purchased a product and they landed on a thank you for purchasing page. That's a specific page. So in here I want to break it down and I want to be specific I'm not going to go all website. So visitors by time spent so how many so so so I could put I can create an audience of those who land on my homepage and spend X amount of time there. That's powerful right and then and then right here down page view, we don't need to do that one so what we're going to focus on is specific people who visited specific web pages. Now this is 30 days so with Facebook, this can go up to 180 so enter the number of days you want people to remain in your audience after meeting the website traffic criteria you specified. Okay, so people will be removed from your audience after this time unless you meet unless they meet the criteria again. So I'm going to go 180. I'm going to stay in that in this in this audience for a maximum of 180 that's the max 180. Okay, and then down here we're going to go contains that's all we need right here contains doesn't contain or equals. We're going to just go contains perfect so we're going to we're going to go right there and then now all I'm going to do is I'm going to come over here to my funnel. So I use cartridge for everything you guys again if a lot of you guys are making mouse in it with this type of stuff man landing pages email automation, your online calendar your freakin online membership hosting platform. A lot of you guys are using multiple services and spending $100 per month I use one everything runs through cartridge my landing pages my email automation, my online calendar my tagging my hosting of videos my hosting of my membership, my affiliate marketing, selling my digital products, everything goes through cartridge. So, all my pages are created here. There's a 14 day trial in the description in the description profit with cartridge dot online. Once you set up a 14 day trial you'll get an email from me. Okay, I host an Q&A a live zoom Q&A every Monday and Wednesday at 1pm Pacific, where we jump on for about an hour or so and I just simply dive in and I teach you how to use this software. That right there you guys is worth a lot I have a ton of people that join me every week, Mondays and Wednesdays, and we have a blast we have a blast where we're tearing down the damn software and rebuilding it and and and and making money online with it so Activated for today trial you get an email from me and join us Monday and Wednesdays for that live Q&A I'll answer all your questions when it comes to building this software and making money online with it okay so in here here's all my pages I got all these pages for this specific funnel. So what I'm going to do is I'm going to create a custom audience are all different pages in my funnel, but what I want to do is I want to create a custom audience of everyone who lands on my landing page. So anyone who lands on my landing page we're going to copy just the URL okay just the URL, we're going to copy that we don't need the www or anything like that. We want to paste in just the URL. Okay. Now those are people who landed on my web page, but or I should say and I don't know what the right word but let's let's put it and yeah they landed on. Yeah, but I think it's but they landed on my landing page, but they never opted in. Okay, they never opted in. So I'm going to take the opt in page the page that they would have landed on if they opted in right I'm going to take that link. And I'm going to exclude it. These audiences you guys were talking specifics okay people who landed on my web page on my landing page on my homepage but never opted in. So I'm going to exclude anyone all website visitors I'm going specific. I'm going to turn the 30 to 180. I'm going to paste in that URL. Okay, and then I'm going to name my audience this is going to be the fast start blueprint web site visitors. And then in parentheses I'm going to go only. Okay, so this right here you guys is a very, very specific audience right so what would I do with this audience. So I set up my ad, I click the green button create I go and, you know, choose my objective conversions, and then I go into the second step which is the ad set level in that ad set level in the in the full blown setup of your ad. That's where I can click in the custom audiences and include this audience. This audience will be an audience that I always read target. I always want to get my next ad right in front of these people again right. So my next ad every ad from this point on I always want to get back in front of that audience because these are people in the past 180 days that that that landed they've been seen my ad. They may have landed on my website many times a few times multiple times whatever, but they haven't opted in. Okay, they haven't opted in.   Those who actually come to my landing page enter their name and email and come to the thank you page. Those are. That's an audience that I want to call my leads. So what would I do with that specific audience with that audience, I would now exclude from seeing future ads. Right. So as I continue to run Facebook ads.  I don't want to keep showing it to people who have already opted in. Right. So what I would do is I would exclude this audience. They're going to be excluded from seeing future ads.  Custom audience. And there's the green. There's the pixel. That's the one I'm going to be running with. And I'm going to go specific and I'm going to go 180 contains and I'm going to paste in that link. Okay, now here's the deal. Well, again, specifics. Okay, specifics. These are people who landed on the thank you page on the confirmation page on the second page, but, but they haven't purchased. Okay, so now what we're going to do is we're going to go to the purchase page. We're going to go to the order complete page. Right. And we want to exclude that page. So this is going to be people who have opted in. But they just haven't bought, right. They just haven't bought. So I'm going to go website visitors. I'm going to go specific. I'm going to go 180 contains. I'm going to paste that in. And that's going to be my exclude. So here this is going to be the five step blueprint. Let's call it the five step blueprint leads. Haven't purchased, haven't purchased. Okay, bam, bam. Create audience. Okay. So what we're going to do is we're going to simply create another audience. We're going to create one more audience, which is very, very important. Okay. We're going to create an audience of those who land on my cart page. So your sales page, whatever, whatever, whatever, whatever you're selling right whatever you're selling you there should be there should be some type of cells page right. In this case, this is my sales page here. So those who, who, who, who opt in. They watch my webinar right in this case it's an actual webinar right they watch the webinar. They click on by now. They come to this page where they then have to put their credit card information. But for whatever reason, they don't. Right. They landed here. But they just, they just simply did not pull the trigger. This is an audience. I want to get back in front of very, very, very, very important audience right here that we're going to create because this is a hot audience.  They click on by now, and they go to the sales page, but they just don't pull the trigger.  Okay, so what we're going to do is we're going to come over here, create audience, custom audience, we're going to go website. Next, and this right here is going to be specific. We're going to go 180 actually know what someone that added to the cart. I don't want to get back to, I'd want them, I'd want them in this audience for no more than no more than, I'm going to go no more than 10 days, because I'm going to be retargeting them for the next 14 days.  I'll be retargeting them right so I'll have a backup ad retargeting this audience for the next 14 days after they've after they've landed on that page. Okay, so I'm going to go 14 days contains I'm going to paste that in. Now what I'm also going to do. Grab the confirmation page, because again, the keyword for today's freaking lesson is specific. I want to be specific. This is going to be an audience that went to go check out, didn't pull the trigger, and I need to let it be known over here. So, this is the sales page secure checkout, but I'm going to exclude, but they never landed. And I'm going to go 180 on this one I'm going to go 180. They never landed on the order complete. Okay, so this name is going to be the fast start blueprint. Add to cart. Haven't purchased. And it's just like that you guys, it's just like that. Those are three powerful audiences that you guys for sure for sure for sure should start with when it comes to website. Visitors, okay, we got our landing page visitors only we got those who who who haven't purchased, and then actually you know what one more one more one more one more we got to do one more. And then those who added to the cells who clicked on the sales page and got to the sales page but haven't purchased.  And this right here is the purchase. This right here for sure would be an audience that I always exclude from seeing future ads. Okay, these are my actual purchased customers. Okay, so I'm going to come over here. Specific, we're going to go 180 on this one contains bam, order complete. This right here is going to be. This is going to be the fast start blueprint. Students. Okay, bam, right there you guys. Now again, the leads. This lead one TSA TSA TFSB leads. I'll always retarget them because they haven't purchased right they haven't purchased so I'll put together certain ads for them, and get back in front of them. But this list right here this audience right here the students. But that's an audience that I will always exclude, or again on the flip side I can, I can, I can include and run a specific ad straight to them. I can be like hey guys what's up man hey thank you so much for purchasing the fast start blueprint my name is David I'll be your trainer and host wanted to thank you and give you a personal freakin welcome to the crew. Dude how crazy would that be if that video ad showed up in your news feed after purchasing my digital product, right. That's specific that's that's where your message is relevant to the freakin audience. This right here is where your money is at you guys in the. It's in the retargeting of custom audiences. Okay, now, the way you really take your business to the next level is you end up taking this audience for example of students, an audience that that that that have performed the highest level of, of, of steps within the sales process those are students those are people who actually purchased right. Once I get 100 people to land on this audience list right 100 people in that list minimum. Then I could turn around and create a lookalike audience, and now leverage Facebook's intelligence to go find me more right but that's a whole nother video that's lookalike audiences but for right now. You have to be creating custom audiences. And again you want to focus on those on those main three website customer list and video focus on those custom audiences build those out and continue to run ads or exclude your ads from these audiences. Thank you guys so hopefully that made sense man and again if you're new my name is David I'm out here in San Diego, built in a social media agency and a digital publishing company. So, if you're into making money online if you're into social media marketing and in Facebook advertising subscribe smash the bell for notifications and drop me a comment below. Let me know where you guys are coming from and let me know how I can bring value to what you got going on online. Alright guys, I'll see you in the next video over now.


My name is Alaa Khayyar, I'm a Syrian architect and when I graduated from architecture, the situation was so bad. I searched for a work in Erbil when I was in Syria, so I came here, I started to work immediately. I brought my painting from Syria to be with Erbil. I wanted to express my feelings and the war effects with colours, with movements, with my passion. You can see in each painting that there is a surrounding area with black side, but always there is in the middle a bright side of the painting. Like I wanted to show people the hope through darkness, you can always see the contrast in the paintings. Also I chose the symbols that reflect the strength like women. She reflects the strength in life and also the peacock, the horses, they always go towards life. So I want to thank very much for everyone who helped me in making this exhibition.


If we go back a few years, really to the mid-20-teens, I'd say all the way until 2019, but certainly 2015, 16, 17, El Salvador was the murder capital of the world. There were more murders in El Salvador's per capita, per hundred thousand, which is the way they measure these things, than any place in the world by far.  I mean, we're talking about more people being killed by violence in El Salvador than in Afghanistan or in Pakistan, which have terrorists or more than in Mexico or Brazil that have gangs and have warfare. And there were, again, there were a wide variety, large numbers, large number of places that are very violent in the El Salvador stood out as extraordinary. In 2015, El Salvador motorway peaked at 103 per hundred thousand. That is almost double. I think the, today, if you look at today's list, the U.S. Virgin Island actually has the highest motorway, Jamaica, let's take Jamaica as the highest motorway in the world as of 2020. Yeah, the U.S. Virgin Islands numbers are very old. But as of 2020, Jamaica has the highest motorway per hundred thousand and it's 44.7. So that is half, less than half, of what El Salvador was in 2015. There was a slow decline in motors from 2015 to 2016, 17, 18, 19, actually pretty dramatic when it comes to motorways. It went from 103 in 2015 to really 36 in 2019. And a lot of that, yeah, we'll talk about what caused that. But since then, since then, the rate of change has been, and particularly over the last year, the rate of change has just been phenomenal. That is in 2019, it was 36 that then dropped in 2020 to basically 19.7. But in 2022, motors in El Salvador, the homicide rate in El Salvador per hundred thousand dropped to 7.8. Now, 7.8 makes El Salvador, you know, very close to the United States in terms of safety.  You know, but as violent as Indiana and Michigan. So, you're seeing this dramatic decline in homicide in El Salvador from being double the highest rate in the world to being like a pretty much close to an average state in the United States. Not quite, you know, as low as European countries with significant lower than the U.S. Or even lower countries like Japan. You know what, anybody know what Japan's homicide rate is per hundred thousand? So, if El Salvador was 100, it's now 7.8 U.S. in 2020. So, it spiked up to 6.6. It's probably a little higher today because it's been on an upswing. What do you think Japan is? Jennifer says one, anybody else wanna take a bet? Apollo says 0.1. All right, so one and 0.1. Anybody else under one? All right, so everybody's kinda in the ballpark, but the person is actually the closest is Apollo. It's 0.2, 0.2. So, a quarter of what you're predicting Gale, so Gale says 0.8. So, 0.2, South Korea was 0.6, but I think most recently it's also 0.2. So, Singapore is also around 0.2. You know, pretty amazing. These are the safest places in the world.  But Singapore, Luxembourg, Senegal is way down there as one of the safest Oman, Macau. Japan is 0.2, Hong Kong is 0.3. So, interesting. Anyway, so let's go back to El Salvador. So, something happened between 2015 and 2019 and something seems to happen between 2019 and 2021 the motor rate was 17.6. But then from 2021 to 2022 and to today, something even more dramatic has happened. And that is what is interesting. So, first let's try to talk a little bit about 2015 to 2019. 2015 to 2019, I would argue. So, let's first talk about why there's so much motor in El Salvador. There's so much motor in El Salvador because El Salvador is basically be dominated by two gangs. You probably all heard about one of the most brutal gangs in all of, maybe the most brutal gang in all of the Americas and that is MS-13. MS-13 is based in El Salvador and it dominates crime in El Salvador but it does have a competitor. Barros, something like that, also with a number. So, basically two gangs dominate in El Salvador. They run everything. Some of it is drugs. El Salvador is on the corridor that brings, particularly cocaine from Colombia up to America. But so a lot of countries, and they haven't been quite as filled with violence as El Salvador has. El Salvador has these two gangs and basically what has happened, these gangs were established in the 1990s and since the 1990s through the 2000s, what has happened is these gangs have basically been able to carve out themselves as their own tax collectors, enforcers, in a sense their own competing governments to the main government that's out there. They make most of their money, not from drugs, but from protection money. They basically collect money from local businesses. It's a very poor country, they can't collect a lot, and of course because it's a very poor country, there's competition for everybody you can collect from so they constantly fight over this and they are constantly slaughtering and killing each other and everybody else and they fill in a vacuum where the state does not exist. The state does collect taxes as well from businesses and individuals. The state has provided in the past nominal policing but only nominal and basically have left the gangs to rule, particularly the poor areas of town, the police have focused on the wealthier areas of town, are protecting the rich and connected and politically connected and basically left the people to fend for themselves. What you have here is real anarchy, alternative private police forces, alternative governance mechanisms and they fight it out.  And indeed, I would argue that any place in which the state basically retreats from and nominally their laws and nominally there's police force and nominally there are taxes and enforcement. But basically, we retreat from certain neighborhoods, we retreat from certain areas, we retreat from certain places. What you get in those places is a massive increase in crime and violence and gang warfare. And what you get is the creation of gangs. Basically gangs are entities that use force, use force that exert force. They are entities that are trying to establish over their little geographic area a monopoly over the use of force. And given that the monopoly over the use of force that's supposed to be there, the legitimate monopoly over the use of force which is government has stepped out, they fill in the vacuum with alternative, alternatives, right, alternatives for a monopoly over the use of force. And of course there's competition, right, it's markets. It's not markets, but I'm using the anarchist term for it. They're markets, so you get a rise in alternatives who are trying to each provide a means of a monopoly over the use of force and collecting protection money, protection which is what government collects, right? It collects taxes which is supposed to provide you with protection. So what you get in a sense, I should have put anarchism in the title and then I would have got, I think more views we would have got all the anarchists coming. But what you get is competition which is basically competition with guns and you get is violence. And the violence sometimes peaks, peaks, it accelerates the massive levels as it did in 2015 but at the end of the day violence is out of control violence is not in the interest of the gangs. It's constant warfare, people feel threatened. So they once in a while rain in the violence and you get a moderate reduction of violence in 2016, 2017, 2018. Still in 2018 El Salvador has the highest motor rate in the world at 51 per hundred thousand but it is half of what it was at its peak. But that's because gangs are raining it in, it's costly for business to have too much motor and it rains in but it's still, in spite of that costing you business and business in quotes it's still true that violence is out of control. Highest in the world. Thank you for listening or watching the Iran Book Show. If you'd like to support the show we make it as easy as possible for you to trade with me. You get value from listening, you get value from watching, show your appreciation. You can do that by going to iranbrookshow.com or just last support by going to Patreon, subscribe star locals and just making a appropriate contribution on any one of those, any one of those channels. Also, if you'd like to see the Iran Book Show grow please consider sharing our content and of course subscribe, press that little bell button right down there on YouTube so that you get an announcement when we go live and for those of you who are already subscribers and those of you who are already supporters of the show thank you. I very much appreciate it.


Christianity came to India with the Apostle Thomas. But even after the Portuguese coming to Goa in the 15th century, it remained confined to the south and the east. The Portuguese and the French won some early battles, but could not consolidate their position and remained confined to small enclaves. Contact in the north had however been first made by missionaries from Rome, who opened a dialogue with the court of the great Akbar of the Mughal dynasty to spread the message of their faith. Small Christian enclaves came up in Agra, which was the capital of Akbar the Great, and in areas nearby. It was with the British traders of the East India Company that Western evangelization made its most energetic and recent foray into India. The faith spread in the wake of traders, and later with the political and military expansion of Robert Clive and Warren Hastings from Calcutta in the east, Madras in the south, Bombay and eventually across North India. As the East India Company spread its influence from Calcutta and Madras, the church followed in its wake. As the British Raj swept up the plains of the Ganges and the Krishna and the Godavari, the missionaries went deeper into the land, leaving the Raj far behind. The British opened up the interior with a network of rail and roads. Inevitably, Christianity in the north is largely identified with the British Raj in the popular mind. Although Christianity in northern India never achieved the size it had in Kerala in the south, it spread rapidly in several areas, among them the remote northeast. It was in the fertile ground of the northeastern hills and plains that Christian priests and missionaries found unbounded faith and devotion. The simple but independent-minded people adopted the faith and, as is usual in India, enriched it further by assimilating into it their own culture, their traditions and music. The northeast, like Kerala, also marked Christianity's contribution to Indian life and development with its heavy emphasis on education. If these tapes boast of 100% literacy today, much of the credit goes to the early missionaries and Christian scholars who opened schools and colleges and vocational centres. The missionaries found their acceptance because of the significant contribution they made in the fields of education and health. This was their greatest contribution, perhaps. It is in Bombay the gateway of India that one meets the vibrant modern phase of Christianity in its most western form. Delhi probably lacks the colour of Bombay that makes up for it in history. The famous church of St. James in Delhi was founded by the cavalry officer Colonel James Skinner, an Anglo-Indian soldier of considerable repute. He and his family are buried in the church compound. His descendants still attend Sunday service more than a century and a half after the church was established. Christianity in India today represents the major denominations, prominent among them the Roman Catholics, the Syrian Orthodox Churches of the South and several Protestant churches united in the churches of North and South India. Giving Christianity in India its unique place in the national ethos.