• 5:02   Listener E mails and Business Talk – Jim discusses the key topics of the day in the markets and riffs on listener comments on real estate, general business topics and the economy.

• 5:10 –Ronald L. Book is a specialist in governmental affairs and administrative law, with a Juris Doctorate degree from Tulane University and a Bachelor’s degree in Political Science from Florida International University. He is a former Director and Special Counsel of Florida Governor, Bob Graham’s Cabinet. He is one of the State’s most influential government affairs professionals. Over the past few years Mr. Book has raised over $25million for various causes and candidates. We discuss the State of the State - reapportionment, education funding and much more!

• 5:20 5:15 Larry Zinn – General Manager at Warren Henry Infiniti – we discuss the auto industry trends and new technology for 2012.

• 5:25 Uhealth Guest – Joshua M. Hare, M.D. Dr. Hare is the Louis Lemberg Professor and Director of the Interdisciplinary Stem Cell Institute (ISCI) at the University of Miami Miller School of Medicine.  Dr. Hare is an expert in cardiovascular medicine and specializes in heart failure, myocardial infarction, inflammatory diseases of the heart, and heart transplantation.  He is one of the world’s pioneers in stem cell therapy for heart attack and heart failure, and currently sees patients from throughout the world for evaluation for this new experimental therapy.  Dr. Hare is the founding director of the Interdisciplinary Stem Cell Institute, an Institute devoted to the new field of regenerative medicine. 

• 5:35  Victor Francs, Ph.D. - Our health and wellness Shaman has spent the last 13 years on Fisher Island as a  wellness consultant for the captains of industry and finance.  Author of AquaBliss: the Zero-Gravity Solution, Dr. Francs is a knowledgeable and clear voice in the jungle of conflicting information regarding your personal health and well-being.  He is a Ph.D. in Naturopathic medicine. We discuss his Executive Re-Boot Camp for the Soul and how his AquaBliss treatments reduce stress.

• 5:45 Lolly Green – MSW – we have our positive energy minute. This week – Draw positive energy form the people around you!

• 5:50 Jim comments on topical issues – it his editorial time – he will get you fired up! This week – the need for better funding for higher education and why can’t our legislators get along and get things done?

Link to this article: Episode 162 – The State of the State of Florida, New Wave of Car Technology, How We Can Be Rebuilt With Stem Cells and Positive Energy Read More great articles: Fried On Business

• 5:02   Listener E mails and Business Talk – Jim discusses the key topics of the day in the markets and riffs on listener comments on real estate, general business topics and the economy.

• 5:10 Greg Wallick, President, CEO and Founder of Best Roofing. Gregg is considered one of the foremost Forensic Roof Specialists in the country. Gregg understands the complex high velocity building code requirements and can design a roof system to achieve your desired results.  He has owned and operated roofing companies for over 33 years. Gregg is considered the foremost authority and is the “Go to Guy” for roofing solutions. Gregg is: Former Director of NRCA (National Roofing Association); A member of the Board of Governors of Alliance for Progress; Chairman of the Board of Everglades University; is a teacher & facilitator for the Community Association Management Course – Roofing 101. He received his Bachelor of Business Administration and his Masters of Business Administration from the University of Miami and is a former Captain of the University of Miami Hurricane Football Team. Gregg discusses: what to do to prepare for hurricane season and other catastrophic weather events.

• 5:20 Uhealth Guest – Daniella David, M.D., M.Sc. is a Professor of Clinical Psychiatry at the University of Miami, Miller School of Medicine, an Associate Training Director for the Psychiatry Residency Training Program at the University of Miami, the Chief of Psychiatry Service and the PTSD Program Director at the Miami VA Healthcare System. Dr. David is a clinical investigator with an interest in trauma and PTSD. She has published in the areas of anxiety, panic, sleep disturbances, PTSD symptomatology and pharmacological treatment, and has presented on these topics at national and international meetings.
•  
• 5:30 Hugo Perez – Managing Director of Datacorp- one of South Florida’s leading technology firms- we  discuss the profiling of a small company

• 5:40  Victor Francs, Ph.D. - has spent the last 13 years on Fisher Island as a massage therapist, trainer and wellness consultant for the captains of industry and finance.  Author of AquaBliss: the Zero-Gravity Solution, Dr. Francs is a knowledgeable and clear voice in the jungle of conflicting information regarding your personal health and well-being.  He is a Ph.D. in Naturopathic medicine. We discuss his Executive Re-Boot Camp for the Soul and how his AquaBliss treatments reduce stress.

• 5:50 Lolly Green – MSW – we have our positive energy minute. This week – We all need a vacation!

• 5:52 Jim comments on topical issues – it his editorial time – he will get you fired up! This week – the Chinese are allowed to invest in US banks – REALLY! Lets all get together to do great things as a country again.

Link to this article: Episode 162 – Hurricane Season – Prepare Your Property’s Roof System, Post Traumatic Stress Disorder – Lots of People Get it, DataCorp- Profile of a Small Business Re-Boot Your Self With a Vacation Read More great articles: Fried On Business

Radio is the oldest and still most dominant form of social media.  However, I see the benefit that Facebook, Linked In and Twitter have had on my radio show business.  While the show itself is the most valuable property in my radio- based small business, my web site is probably a close second.  It links all of the different social media platforms together and provides me with an opportunity to capitalize on the eyeballs that I’m able to attract with my content.  And content is what it’s all about.

I got involved with radio because I thought that the marketing of the radio show would provide me with an opportunity to communicate with my database on a regular basis.  It has been highly successful in keeping me in touch with all of my contacts throughout the recession.

While radio is the basic platform for my interaction Facebook, Linked In and Twitter help me to attract people I don’t know – yet.  I was not able to get involved in this world without the help of some experienced consultants.  Linked In was mostly self taught but Facebook I just don’t have a clue.  Twitter, the first person that I was going to work with as a Twitter consultant was actually insulted because I didn’t think Twitter would last.  Now, Twitter helps my content circle the globe and helps me target my audience. It helps me build an audience that my advertisers want to reach.

I really don’t have a lot of social media tips and tricks that I can share. I think you have to learn them all on your own.  The basics are to simply find somebody who understands the platform you’re interested in marketing your business on, and bring that person on board as a consultant.

I learned Linked In by myself.  It’s real basic and powerful to a certain extent.  I find it to be very limited unless you’re searching for a specific individual.  However, I’ve created a good Linked In mailing list for my radio show, and it works for me.

I send out a weekly mass e-mail to my contacts.  I use a content management system.  Over the course of the three years that I’ve been doing the show I’ve gotten the list so clean that people rarely if ever opt out at this point.  I keep the communications clear and concise.  I don’t overload my list with frivolous emails

My Twitter consultant– @socialmedia305–helped me to get my recently published article on the Miami condo market to a number of people in the United States, China, India, Belgium, the UK, South Africa and  other places across the globe.  This is important to a number of my advertisers because they have international businesses.  @socialmedia305 taught me the importance of writing a good tweet.  To have the right syntax and grammar and spelling is of utmost importance in the Twitter world.

Facebook is a world unto itself.  Its  graphics power and ability to tell a continuing story makes it a very significant  tool to use.  Again, I use a consultant to help me build my marketing on Facebook.  I haven’t seen a lot of success on this platform yet.  I’m sure it’s because I  focus most on the web page, radio and Twitter.  Facebook is so complicated for me to manipulate in my mind and get a handle on that I prefer to leave it to a professional.  But as time goes on Iplan to take more control of the Facebook content.

For my website I like Word Press.  It is simple and easy to use.  It’s wonderful at providing the metrics on who has visited.  I tried other platforms like Drupal and found that the most basic is the best.  Once you have your web site up its only as good as the content provided on it.  Over the one year that we’ve had our Word Press web site up we have seen impressions reach over 10,000 in some months.  It’s not easy to keep people coming back.  You have to do things like create content at 8:00 on Friday nights which is when I’m writing this piece.

Content is what it’s all about.  Content on each platform drives you to the other platforms.  Content that gets people on your site and keeps them there.  And it’s all about compelling content.  If you’ve got good content, eyeballs will find you, and so will the advertisers and their customers.

So get to it!  Jump right in!  Social media fits everybody’s small business. You just have to get started and once you do, you won’t stop.

Link to this article: Social Media and My Small Business Read More great articles: Fried On Business

Miami Absorbs Office Space as Developers Sit on Sidelines
By Jennifer LeClaire
MIAMI—Although a new wave of condo and mixed-family developing is well underway in Miami, office developers are slowing down. After two active years—years that contributed to the largest annual decline in vacancy since 2006—Miami office developers are sitting still.
So says a new report from Marcus & Millichap. The firm reports absence of competition from additional new buildings should make room for landlords to cut into the vacancy rates of the Brickell and Downtown Miami submarkets. Vacancy is expected to decline 90 basis points this year to 16.2%, erasing most of the 120 basis point surge in 2011.
“Office is desirable in core locations where there are high barriers to entry, but suburban locations are not having as much demand,” Jim Fried, managing director at Aztec Group, tells GlobeSt.com. “Just like other commercial products, office is split into core properties and everything else. Location and a stable rent roll goes a long way to make an office asset attractive to potential investors.”
Marcus & Millichap predicts rents will increase 2% to $30.73 per square foot. That uptick will come alongside a 3% rise in effective rents to $24.86 per square foot. Part of the fill up is thanks to job growth. About 6,800 new office jobs will come online this year.
“The investment market in the county is gaining traction with top-quality properties trading more frequently,” Marcus & Millichap reports. “Overall, investors remain focused on strong locations in established areas and the credit quality of large space users in multi-tenant properties.”
The company predicts that 2012 will mark an opportune time for investors to acquire properties while prices remain at low levels. What’s more, additional distressed properties, especially assets purchased at the height of the market, will continue to emerge for purchase.

Link to this article: Jim is Quoted on the Office Market in Globe Street Today 5-7-12 Read More great articles: Fried On Business

Link to this article: Episode 161 – It’s the Economy – Will Europe Cause a Double Dip Recession in the USA? Physical Therapy – I Got That Fixed – Now How Do I Keep it That Way? Facebook and Google + For Your Business Read More great articles: Fried On Business

Segments:

• 5:02   Listener E mails and Business Talk – Jim discusses the key topics of the day in the markets and riffs on listener comments on real estate, general business topics and the economy.

• 5:15 Uhealth Guest – Lee D. Kaplan, M.D., a renowned specialist in sports medicine and arthroscopic surgery, is Chief of UHealth Sports Medicine, a division of the Department of Orthopedics at the University of Miami Miller School of Medicine. The division is the official sports medicine provider for the Miami Hurricanes and the Miami Marlins.

• 5:35 Craig Werley – CRE, FRICS President of Focus Real Estate Advisors.  Craig has been performing market studies for the Miami Downtown Development Authority of many years. He will discuss the condo market in the Miami CBD – yesterday, today and tomorrow.

• 5:50 More e mails and Jim gets FRIED as he discusses issues that get under his skin! Yhis week – Education and the recovery…how can we cut funding for the future of the USA?

Link to this article: Episode 160 – Miami and The U: “The story of Miami’s Amazing Condominium Recovery. It’s party time again.” Sports Medicine – Helping the Weekend Warrior Read More great articles: Fried On Business

Miami and The U: “The story of Miami’s amazing condominium recovery. It’s party time again.” April 2012

April 2012

Prepared By:

Introduction

When Harvey Taylor opened his Publix in the area that has become known as Brickell Village the race was on. One of the world’s last urban jewels was finally being developed to its potential. In February 2001 I penned an article for The Florida Real Estate Journal.  In that article I said that Miami was about to watch its downtown go through a Manhattinization process.

Over a decade later I have been proven right.  The Miami CBD and its surrounding neighborhoods have turned into an urban oasis.  New grocery stores have opened, as have new restaurants. Now, almost all of the units that were developed in the “condo craze” of the last decade have been occupied and we’re starting to see significant price appreciation.

These condo dwellers can now walk to their place of employment, grocery stores and the neighborhood’s finest restaurants.  Residents can also take advantage of mass transit to public amenities such as the Miami Heat or Miami Marlins ballgames.  Furthermore, they can hop on commuter rail transit and visit super regional malls offering a full array of consumer goods.  Miami’s downtown is realizing its potential as a walkable urban core.

We regularly discuss this topic on my radio show and our work at the Aztec Group is focused on taking advantage of this trend as well.

Given the significant changes within the City of Miami over the last decade I decided it was necessary to examine what occurred in the Miami market during the previous development cycle and what the lessons learned over the last 10 years can tell us about the upcoming cycle.  As a result I wanted to make sure I had the definitive data source on the entire arc of the last 10 years of condo development in the Downtown Miami marketplace and therefore enlisted the assistance of one of my oldest friends, Craig Werley of Focus Real Estate Advisors. He is the recognized expert on the Downtown Miami and Brickell area submarkets as Craig and his firm have just completed a recent Occupancy Survey and Population Study for the Miami Downtown Development Authority (DDA) which outlines keys statistics regarding occupancy levels and price points for condominiums in the downtown submarkets.  He is the expert and has the data to prove it!

We call our effort Miami and the “U”.  We use the “U” as the symbol of our analysis for obvious reasons and because the trend in condominium prices, rental rates and all components of demand in the previous development cycle have taken a “U” shaped track since 2007.  Many developers in the new project flow that is sweeping the Miami CBD markets seem to think that we’re actually experiencing a classic inverted ‘J’ shaped recovery with significant upside still left in condo prices.

Craig and I reviewed the actual data and interviewed numerous developers and other stakeholders in the marketplace.  The results of that analysis and those interviews are contained in the paragraphs and charts that follow.

Section I – How did we get here?

The national developers arrived on the scene at the same time as national banks such as CORUS and I-STAR to create an unstable development environment very quickly.  What started out as a market that had significant barriers to entry and few ready to go sites soon became a landscape of poorly located “development sites” that people from out of town and local amateurs were over paying for.

First, let’s examine how we got here.  The last submarket bust was the tech boom and bust of the late 1990s early 2000’s.  Many of the investors in that melt down lost everything.  As they searched for their next investment they sought out vehicles, which would mitigate their risk exposure, thus putting 0% -20% down on a hard asset like a condo seemed like the perfect avenue.  Both institutional and individual investors couldn’t resist the returns that conversion to condo and condo development created them. In Miami, high-rise residential real estate emerged as the leading investment vehicle given the potential for consistent long-term appreciation. Historically low interest rates and the use of easy to obtain credit greased the tracks for everyone.

In addition, mortgage backed securities (MBS) let the big institutions play too. Low yields on other investment alternatives made real estate just too hard to resist.

Greed infected the entire system from institutional investors, to the average investor to speculators looking to capitalize on the ability to obtain cheap credit and generate historically high returns.

Who was involved?

In a word: “Everyone”, institutional investors, developers, the government, speculators and perhaps most importantly the lenders that were paid based on the volume and size of the loans they originated.  Everybody had a hand in this mess.

• Institutional investors were driven by the need to find an investment vehicle, which would provide desired and required levels of returns.  This resulted in a surge in the mortgage backed securities market.  These instruments had little due diligence to support their investments. This resulted in an over extension of credit which led to a speculative residential investment frenzy. It reached a crescendo with widespread fraud facilitated by the lack of prudent and sound due diligence and underwriting standards.
• Developers were driven by the lure of cheap credit and easy access to it. This teamed with what is naturally ingrained in their DNA – a desire to build and generate financial returns regardless of the speculative nature of the investments.  These conditions resulted in increased speculative development based on little to no due diligence or fundamental underwriting – a recipe for disaster.
• The US Government was driven by its political desire to increase homeownership in the United States. Local governments were motivated by budget deficits and a need to increase revenue. Local officials were motivated by increases in property taxes as exemplified by the fact that they approved almost any project if you had the right land use attorney.  The government agencies (whether national or local) did not realize – or perhaps did not care about the fact that they were creating and perpetuating a very unstable situation.
• Speculators were driven by low the cost of credit and reduced underwriting standards.  This combined with an investor’s ability to leverage existing assets and the potential to make extraordinary returns fueled a fever.  The market became bloated with unqualified and inexperienced investors with little to no regard for supply and demand fundamentals.  The overriding belief was that “flipping” residential contracts was a viable way to achieve and maintain wealth.

I have two favorite stories, which best exemplify the market cycle at this point.

The first involves my brother-in-law who lives in Atlanta and came to visit me in Miami one day.  He went out on the balcony of my bay front high-rise and pointed to the horizon and asked me to point out the location of a specific condominium building.  When I inquired why he told me that his dentist just bought four units at the project and he was considering buying some as well.  The point – inexperienced investors drove price appreciation and demand without an in-depth knowledge of market fundamentals and desire to “get rich quick”.

Another true story – One day a client and I made an offer of $18,500/unit for water front land, which was accepted in principal.  The next business day the owner of the land called and informed us the offer was being rejected because he had just received an offer of $50,000/unit.  My client exited the market for good at that point and promptly put all of his sites up for sale.  The point – uncontrolled greed and a lack of fundamentals had completely taken over the marketplace!

 When did all this happen? 

1999 – 2006 – My experience in this market cycle began in 1999 when I met my first out of town apartment developer.  He came to town looking for high-rise sites.  Up until that point Miami was a market dominated by local entrepreneurs that built high-rises and some local and regional firms that built suburban apartments.

• Early 2002 – Projects were in the ground
• 2003 – The run-up was in full force
• 2005 – In Miami-Dade County condominium sales volume peaked in 2005.
• 2008 – A reflection of the highly localized marketplace, the extraordinary boom in new construction and the long time frame to deliver a huge high rise multifamily building – condominium sales volume in the downtown Miami peaked in 2008 at the same point as U.S. home buying activity was descending to historic lows.

Where did this occur?

The oversupply occurred all across Miami-Dade County but was concentrated in the downtown submarkets of: Wynwood/Edgewater, the Arts and Entertainment District (the Omni area), the CBD (primarily in bay front locations) and in Brickell/Brickell Village.

Why did this occur?

It occurred for number of reasons including:

• Credit was cheap and easy to get.  This resulted in the size of the pool of buyer being increased dramatically.  Little or no deposits were required.  Little or no credit history was required.  This led to huge demand, which in turn led developers to do what they do – build to meet the demand, albeit speculative.  With high-rise condominiums being the preferred product type supply was being delivered in large chunks.  When demand fell off to nothing much of the supply was still under construction.  A disaster in the making.
• Key fundamentals of institutional investments including the use of strong underwriting standards were sacrificed in an effort to increase investment volume.  Lenders would take in certificates of deposit from across the country and then deploy them into risky high-rise development loans.  Both I-Star and Corus Bank were crushed by this strategy.
• By ignoring fundamentals the institutions extended credit to borrowers that were not qualified.  The business decisions were based on faulty assumptions, which were based on market aberrations that were described as a shift in paradigm- RED FLAG!
• Speculators ruled the day.  Investments were based upon greed and appearances rather than an understanding of the market fundamentals.  Limited market analysis was done and any that was done was based on statistics that were flawed.  The facts were skewed because so many transactions were fraudulent while others were made by households that would not sustain any increase in payments once the initial low interest teaser rate burned off.

Eventually the market began to stall and a clearing process took effect. As prices dropped investors (those using sound fundamentals) began to realize the downtown Miami submarkets were ripe with value plays and as a result purchased vacant and distressed units.  Cash purchases by both domestic and foreign investors placed further pressure on prices, which led to an increase in investors in the marketplace.  Savvy individuals acquired the condo units and began to realize lease/rental rates that allowed them to cover their mortgage payments.  The fact that the financial markets were in trouble and credit was essentially frozen did not matter to the foreign unit buyers, as cash was king once again.

Where are we today?

Submarkets in and around the Miami CBD have reached normal stabilized levels of occupancy – approximately 94% today.  Sales prices and rental rates have experienced year-to-year increases.  Sales prices have increased 11% on a year over year basis and rental rates have increased more than 13% on a year over year basis.  “The market is responding favorably to our strategy of making improvements to the properties to achieve market pricing. We are not “dumping” units – rather we are getting solid pricing as we successfully execute our strategy.” – Victor Ballestas Regional Manager – ST Residential.

Where is the momentum taking us?

With residential sales and rentals in the downtown area continuing to be in strong demand and limited remaining inventory the next step is coming into focus, new development.

New proposed projects that would include both rentals and sales concepts are being announced with great frequency.  To date our research shows over 3,500 proposed new units across the Miami submarkets that incorporate downtown.  “The market in and around the CBD is about 95% sold – new buildings and resales are approaching and in some cases exceeding 2005 price levels. I am very bullish on Miami’s future and I have a perspective of 60 years in the local market” – Tibor Hollo; President Florida East Coast Realty.

A number of these projects are ones that didn’t get off the ground in the previous cycle and some new sites as well.  In a period of a little over 2 years (2010 to early 2012) the market went from completely ignored, to totally overheated, to now being too expensive for most players to make sense of the numbers.  Given the limited inventory of remaining unsold new product available, the market has clearly begun transition into the next market cycle.

This time however it looks like the financial institutions and developers may actually hold the line for a little while on new supply.  It’s difficult for anybody but the most experienced and well moneyed investors to get any type of capital or construction loan.  Most of the new condominium developers are using a development capitalization model with historical roots in Latin America.  They are requiring a buyer to use his cash in the form of huge deposits to finance the development.

What does the future hold?

With national trends continuing towards urbanization, the central core of Miami is positioned to continue to become one of the wonderful live/work environments in the world.

With jobs, shopping and mass transit available, the urban core of Miami will continue to grow and evolve. Discussions of a commuter railway linking Florida’s eastern coastal cities to downtown Miami finally seem to be seen taking shape.  “As long as the offices and retail continue to be developed and occupied there will be a demand for multifamily in Miami’s urban core. In Miami, people now look at location relative to accessibility to office, retail, and transportation in much the same way they looked at waterfront locations in the past. This is like most modern cities in Latin America.   Investors are still buying all cash and making money. Demand will continue as long as these dynamics remain in place. We are having excellent sales pace at our Millecento Project” – Carlos Rosso; Related Group.

In the long-term Miami is continuing its evolution into the urban core that many metropolitan areas such as Manhattan, D.C., Boston, San Francisco and Chicago, all possess.

Will all the current uses soon be joined by gambling? Stay tuned……

Link to this article: Miami and The U: “The story of Miami’s amazing condominium recovery. It’s party time again.” Read More great articles: Fried On Business

Hear Jim discuss his upcoming article -

Miami and The U:

The story of Miami’s amazing condominium recovery.

It’s party time again.”

Link to this article: The Miami Condo Market, Sports Marketing In Miami and more Read More great articles: Fried On Business

• 5:02   Listener E mails and Business Talk – Jim discusses the key topics of the day in the markets and riffs on listener comments on real estate, general business topics and the economy.

• 5:10 Uhealth Guest – Lauren Ozbolt, M.D. Assistant Professor of Clinical Psychiatry and Behavioral Sciences Director, UHealth Eating Disorder Program Department of Psychiatry and Behavioral Sciences.

• 5:20 Clement (Clem) Bezold, Ph.D., is Chairman of the Board and Co-Founder of the Institute for Alternative Futures (IAF) and IAF’s for-profit subsidiary, Alternative Futures Associates (AFA). Bezold established IAF with Alvin Toffler and James Dator in 1977 to encourage “anticipatory democracy” and foresight. Trained as a political scientist, he has been a major developer of foresight techniques, including IAF’s unique ‘aspirational futures’ approach, which uses scenarios to help clients not only to better understand what might happen (the plausible future) but to create the future they prefer, their vision (the preferred future).  He is a leading “health futurist” and a frequent keynote speaker for health care organizations.  He has done scenarios and other futures work for leading health care providers, state and federal agencies, and technology and pharmaceutical companies.  We discuss the future of healthcare in the workplace.

• 5:30  Victor Francs, Ph.D. - has spent the last 13 years on Fisher Island as a massage therapist, trainer and wellness consultant for the captains of industry and finance.  Author of AquaBliss: the Zero-Gravity Solution, Dr. Francs is a knowledgeable and clear voice in the jungle of conflicting information regarding your personal health and well-being.  He is a Ph.D. in Naturopathic medicine. We discuss his Executive Boot Camp for the Soul.

• 5:40 Lolly Green – MSW – we have our positive energy minute.

• 5:42 Javier Morales – President and CEO and Alex Thomas Vice President of Associates In Business, Inc. Javier and Alex have over 20 years of marketing experience for clients such as Travelscream in the Caribbean, Air Jamaica, The Florida Marlins and others. We discuss the show’s new web page, how it was constructed, what we are going to do to market it and much more about the progress of the social media strategy they are creating for Fried on Business.

• 5:52 More e mails and Jim reads rants about issues that get under his skin! This week – the Miami Condo Market and his new article profiling the last cycle.

Link to this article: Episode 159 – The Business of Healthcare in the Future, Eating Disorders, Facebook and Your Business and The Miami Condo Market Read More great articles: Fried On Business

Link to this article: Episode 158 – LIVE REMOTE from UHealth’s Integrating Functional Nutrition Into Clinical Practice Confrence Read More great articles: Fried On Business