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Lakeland Currents 1021 - Workforce Housing - Duration: 28:10.

Lakeland Public Television

presents Currents.

♪ Hello and

welcome to Lakeland Currents. I'm Bethany Wesley. Tonight

we focus our spotlight on housing. More specifically

we will be discussing a growing need in out state

Minnesota for the develop of more workforce housing.

While you may occasionally hear about the need for some job

growth though out greater Minnesota in some cities the jobs are there.

Or could be there. But the companies that are wanting

to expand or establish themselves there are reluctant to do so

because there is not enough middle income housing for would be

employees. So what exactly is work force housing?

And why is there a shortage of it? To answer these questions

and to discuss potential solutions, tonight we welcome to the program

Dan Dorman, the executive director of the

Greater Minnesota Partnership. And Tim Flathers, the

executive director of the Headwaters Regional Development Commission.

Welcome! Welcome back. Tim: Thanks, Bethany. Dan: Thank you. Thank you

for having us. Bethany: As we get started why don't you tell us a little bit about

what the Greater Minnesota Partnership is. Dan: Sure, Greater Minnesota Partnership

is an advocacy organization that works on economic

development issues in greater Minnesota, for greater Minnesota.

So our goal and our mission is to try to create

ah, better jobs, improve job quality, improve the quality of life

helping to build tax base, vital cities,

vibrant cities, but exclusively in greater Minnesota.

One thing that you know, we noticed that ah..

the metropolitan area just because that's where you're at,

herded up together, easier to organize. They have a stronger voice at the

capitol. So, our job is to try to make sure greater Minnesota

doesn't get lost in the hubbub in the mix.

And so, we advocate again for greater Minnesota economic

development programs. Bethany: Tim, our viewers

hopefully will recognize you from an earlier appearance. But tell us a little bit about what

the HRDC's role is with housing specifically.

Tim: Well, housing is an issue that is pretty broad

within our organization and we're really interested

in ah, meeting housing needs of communities throughout the

region. It includes development of housing, we've focused on

affordable housing principally. We have a non-profit

subsidiary corporation that does housing development

work. Ah, we also provide staff support to a

couple um, or three right now housing and

redevelopment authorities. And um,

we do things such as housing rehabilitation

work, ah down payment assistance. Um,

and ah, um...trying to make sure that people have

access to affordable mortgage financing products. Um,

particularly in the home ownership side. So we do a

variety of different things in the area of housing. Bethany: And will you remind our

viewers, if you'd be so kind, in terms of what your footprint is in terms

of what the HRDC manages? Tim: Yeah, the HRDC ah,

regional development commission serves 5 counties. We're headquartered here

in Bemidji. Ah, we go down to Park Rapids and serve

Hubbard county. And then west we go to Clearwater county

and Mahnomen county. And then north Lake of the Woods county.

So, we serve Baudette for example. Bethany: Ok.

Alright so as we turn our attention to work force housing,

Dan, what...can you tell us how do you define work force housing?

How does it differ from let's say, low income housing?

Dan: Yeah, I think Bethany the easiest way to think about it is...

middle earners. If you think about like specific jobs

it isn't about low income

like food manufacturing workers or something because there's already programs for

that. But it could be anyone from a beginning nurse beginning

teacher, or of course the manufacturing jobs.

Kind of that pay range of maybe 15 to

25 dollars an hour right there. It's, you make too much to qualify for

low income stuff but for some reason that I really can't

explain the market isn't responding like it should and creating

in this case, what we're advocating is more rental housing

that will lead to single family home ownership.

But it's about making sure that that

ah, there's a housing supply available for those people

when those jobs are created. And it's an issue

it's a growing issue. As we...you mentioned earlier in almost all

parts of greater Minnesota. From the southwest corner to northeast

northwest, ah central Minnesota. It

is a ah, like I said it's a growing deal and it's starting to hurt

our ah, economic development and job creation

in these cities. And so we think it's important that the

legislature ah.....takes an action.

Ah, we have a tax credit proposal we think

would work. Sort of copied it from our neighbors North Dakota

and Iowa. We cobbled something together, you know. Better to

you know not reinvent something there's...you know steal an idea that seems to

work. And ah, we think it would really help these communities

continue to grow and prosper. Bethany: When did the issue really kind of

start to emerge? When did you start to hear things from

communities that said, you know we really could use some more

of this market rate or middle income housing?

Tim: Um, from my perspective we first started hearing about work force housing

back in the mid 90's. And it became an issue.

But I think the characteristic over the past few years

in my estimation anyway, um, we

started to hear more and more about work force housing for

um, moderate income people or

higher income people. I don't think that's a traditional part of the

issue. Um, the market's being broken I think is a new

twist on a very old problem that we've had.

[Ok] Dan: I live in Albert Lea and it's funny you say the mid 90's

cause that's when it started to become an issue there, started to talk about

it. Ah, you know form committees, and how are we going to do this?

And our local communities really don't have the tools they need to

respond to it. But I would agree with what Tim said. So there was more

maybe rehabilitation, low income. Ah

that seems to have worked it's way through in many communities.

But it's that, you know...you don't make enough

that you know you don't make 50 dollars an hour. But you've got that, again

that new teacher or new technician

ah, they're having a hard time finding quality

ah, a quality place to live. And what does that..

what does that do? Well, it becomes a competitive issue. Well,

why do I want to live in this community? I want a decent place to live

and raise my family and so. Ah, we think that it's

an important issue to be solved. I'd say it started in some ways

in the mid 90's but really over the last probably 10 years

that middle income has really ah, grown in

importance. And the legislature so far hasn't reacted

you know, there's always that lag right? Makes some sense, but

ah, it's really on the forefront. The state is very active in

housing. We've done roughly ah, almost

100 million dollars a year in primarily the low income stuff. So,

the state does have an active role and plays an active role in housing. In

a lot of ways we think this is just an area that needs some attention.

Bethany: Tell me a little bit about how wide spread

the issue is. We talk a lot about rural or outstate or greater Minnesota

is it throughout all those areas? Are there pockets

of it that are experiencing it more than others? Dan: You know, I think there

definitely is. I think when you look at ah, you know on the news

lately Thief River Falls and a possible expansion by Digi-Key

they've got a problem. Roseau, ah down in my neck of the woods

both Albert Lea and Austin you know. The interesting thing ah, the

city manager from Austin was in St. Paul this week to testify

in behalf of our bill. They haven't built a market rate

apartment building in Austin, right, home of Hormel, hasn't built a market rate

apartment building in 45 years. And it is

getting to be a problem for them. So we hear, you know there.

It's maybe not quite the same issue even though they have different housing

issues in communities like St. Cloud, Rochester, Mankato.

Ah, they probably have some different issues. But still an issue for them as well.

Ah, there's some pockets in the metropolitan area that would say they

they have needs. But it's really different. Because in a metropolitan area

they have seen ah....growth in

this area. And people are building apartments. And you know the one thing that...

I think makes the case for state investment is if you

think about other state investments in metropolitan areas it's really helped their

their housing market. You look at the light rail, the green line light

rail, the proposed southwest ah, light rail corridor.

When that was being talked about I remember there was an article in the...

...Star Tribune. And there was a big fight going

on over you know, what kind of housing was, might create too much high

income. Not enough of low income and all this and I'm thinking

you know what a good problem to have, right? We don't have those mega

investments by the state that help create housing in greater

Minnesota. That's why we think that some of the proposals that we're advocating

makes sense and would bring some equity to the distribution of state

resources. Bethany: So as I was preparing for this

you know you look at different articles and different research out there,

and they said that there are businesses that want to expand

or you know, either relocate or expand. But they

are hampered because there's not enough housing. You're hearing that

repeatedly then. Dan: Right. And they're writing checks. You know you look at

AGCO in Jackson, you look at Digi-Key you look at Polaris.

You've got these corporations that are also writing checks to help stimulate

this. That's not occurring in the metropolitan area. There's another program

that doesn't quite work like we'd like it to. With maybe some help it

could but it's called a challenge grant program, right. And I was

interested this week by the ah data sheet that was put up

by the state. And it had all the projects on one

side and what they did. Then the last column was local investment.

And all of the corporations that had contributed to help

do this, ah were in greater Minnesota. All the metropolitan

projects, because it's so much easier to do there, hadn't required

that contribution. You know, sometimes I think that if those guys had to write

checks to see this happen it would probably get solved a lot sooner.

But ah, you know we'll deal with what we have to deal

with and advance our cause and tell our story.

And I think it's compelling. And hopefully will result in

ah, greater economic development opportunities in greater Minnesota.

Bethany: Tim, in your conversations with the clients in

the areas that you represent have you heard similar concerns in terms

of you know, needing more of that middle...middle income housing

out there? Tim: Absolutely. First of all I'd say

um, when I have discussions in communities about housing

it's usually broader than just the work force housing

issue that we're describing. It's usually we have a lot of housing needs

including the work force housing need as we're discussing

it. Um, one example I'd use is Blackduck because

we've been having a lot of current conversation

with them. But Anderson Fabrics, major employer, key

critical employer for Blackduck.

Um, not only wants to expand they have been expanding but

unfortunately their expansion is taking place in Chicago.

They're contracting for employment because

they don't have the housing to

support an expanding work force. Um, and like

Dan suggested they're...they're a willing partner in trying to

make something happen but they're dealing in a pretty tough housing market at the same

time. So, we need to find ways including what we're

talking about here to try to help Blackduck meet those needs.

Bethany: As you talk about this issue I'm assuming you've talked

with developers in terms of you know what would it take to get

more development happening. How do they, how do they respond?

What is the problem? Dan: You know our chief author in the senate is

from ah, Red Wing. Senator Goggin. And when I first

met him cause he's new, met him this year, before I could even

start going through the proposal he said I know exactly what you're talking

about cause I've got a couple developers in our area that tell me

they can build high end stuff. And they can build

ah, low end stuff or affordable stuff cause there's

a lot of subsidies. What they can't figure out how to do is

this middle income stuff. Because whether it's financing

there's a whole lot of reasons that seem to have broken the

market. Ah, and I wish it was different it just

isn't. And that....so yeah that's what it is. It's

that kind of that gap of...of ah what

are the rents in the community. How does this translate into

a performer to build a new apartment building?

And it just isn't working out very well in greater Minnesota. You got some issues

with you know, if you build it you go get the appraisal and you try to

borrow money against it. The appraisals don't match what you're putting

in like they would in the metropolitan area. So you have a problem with

financing. So it's a whole lot of problems. That's why we think that we've

got a sort of a market based solution, a tax credit program.

That would help address that. And we really believe that

this doesn't have to be. You know, I think we're going to be in the affordable

or low income business forever, right? We're always going to have to take care of people

and we should. Ah, we hope that after 4 or 5 years of

a program like this that the market starts to correct and say, hey

you know we can make money, we can cash flow these projects in greater

Minnesota. So, we're hoping this jump starts the market

and doesn't need to become a permanent program. Bethany: Do you

hear concerns, too, about I mean you talked about Blackduck

um, in terms of these smaller or more rural cities

that might just have one or two key employers

are they hesitant because there's always the chance they could pick up

and relocate? Dan: It's no question about it. Cause your

you know if you think about it if we say we all decide we're done with this, we're going to

go form a housing corporation. We're going to go build apartments and

lease them out, right? If we go to the Twin City metropolitan area or

Rochester or St. Cloud, we're not dependent on one or two

manufacturers. But when you're dependent on that one manufacturer,

boy you hope they're...you know you've got...your eggs are in that same basket

as theirs. And there's, that is another one of the concerns

that developers have. That I think is impeding some of the

development. Tim: And it's not only the developers, the developers

have to get financing. So you have to think about it from that

stand point too. So there's risk on both

parts. [Ok] And the risk is heightened if you

um, run into that situation. Bethany: In some ways

it's gotta almost sound, almost like a good problem for communities to

have. You have businesses that want to invest that want to grow in your

your community. But they're being hampered.

That's what your hearing, that communities are losing out on potential opportunities. Dan: No question. And

they just don't have the tools available to them that even in the low income

area, ah, say you know whatever city Blackduck, Bemidji

they could do a low income ah TIF or

tax income refinancing package for I think up to 25 years

to do a low income project. Ah, they can't do that for work

force. And so there's a bill that we support to help change

that to allow communities maybe more

local tools. But that still isn't going to be enough to I think

spur the kind of development that is really required. Bethany: Ok.

Let's talk a little bit about what it is that you would like to see happen. Tell us

a little bit about what the proposal is that you've really been trying to work

with legislators on. Dan: Sure, sure. Ah, it's a tax credit proposal.

It is a 40% tax credit up to a million dollars

per investor. Up to 2.8 million dollars a project

so we want to make sure there's more than just one project done. We

don't want to see it get gobbled up, ah you know one project a year.

But really the ask isn't that large. It's 6.6 million this

year. That...you know, that's not going to fix the problem in one year.

Ah, but it would be a good start.

And so, what would happen is the developer would apply for the credit

they'd get the credit, build a project and then be able to take

advantage of that...of that tax credit. So we think it's

a ah, a good way also a good way to target this.

Because sometimes there's been over production of low

income units. Ah, that...so you have a higher

vacancy rate there than you might want to have. Where you know, if you

if you create that invest in, or the incentive for

the developer they're still going to put this in an area where it's needed.

Otherwise, you know even with that tax credit that's not going to work out if

there's not enough people there that will lease these new units. So,

we think it....ah our proposal will target

this a little better as well. Bethany: Are you finding support?

Dan: It varies. Ah, last year we did make it into the senate

tax bill, not the final tax bill. It didn't get passed anyway.

But ah, after two years we finally got into there.

Ah, it varies. I think that ah, you know

we've got some work to do with the number of new legislators. Because I think

they hear what we're talking about. And hear low income and then see all

those dollars that are going and figure well, this is already being taken care of.

So, it is an education process to get the new people

up to speed on it. But ah, yeah I'm optimistic

that we're going to see something happen this year. There was a grant

program that was started a couple years ago. Ah, we

supported it. We had...you know, we thought there was going to be some

issues with it se...ah surrounding the ah,

concept of prevailing wage requirements that came with it. So if you look at the

project in Roseau. I think the...first year was like a

700 thousand dollar grant they had to come back the next year and put in

almost I think, the same amount to make the project happen. So there are

some, there are some issues I think in that program that could be worked out to make it

work better. Ah, but we think our tax credit

proposal would actually result in, um

more units being built in a quicker fashion.

Bethany: Is it fair to say that when you're talking about this you have to be really careful to make sure

that you want additional funds versus like perhaps taking

some away from low income housing? You know what I'm

saying? To make sure you can get both? Tim: I'm pretty passionate about

that because frankly I think from a state perspective

um, we this is a tool that's really really needed.

But um, we still have a really big

need for affordable housing. I don't characterize it just

as low income but it's low and moderate income. But

income assisted housing of some level

is still needed in at least the region that I serve.

It's pretty universal. And so yeah, I do think it's

we do want to be careful with that because this

is all about um...an additional investment

in housing in an area that has not been addressed in

the past. [Ok] Dan: Right. But it shouldn't replace other

things. I mean, you know, if you think about it

ah, probably the highest priority would be homeless people, right? I mean,

it would be hard for me to say, oh no don't do that and do this, right?

And so it is, it's an additive

it's a need that we have. But I do think it's just a fight again

because if you look at how the state influences the

housing market in the metropolitan area. We talked about the light rail, Vikings stadium

these things do create housing. And we just don't have

cause we're sort of located all over, right. We don't have that light rail

but we do have a good interstate system. We're trying

to ah, you know improve that all the

time as well. And I should point out we've got those good roads and stuff

it's important to use those. Drive safely on those roads, put

that cell phone down when you're driving and obey the speed limits.

So, I think that's important too. [Absolutely] Plugging that for a

totally different reason. [Laughing]

Bethany: So, tell me I know that some companies have really gotten kind of

creative in terms of how they're going to

stay, they don't want to leave these communities. I think is there one that's like

busing people an hour or so to try to

to keep their employees going, and so.

You know have you heard from companies that they really do want to be

in rural Minnesota? Tim: Um, I was just at a board meeting

last night and one of my commissioners lives in Shevlin

and he was talking about people in his community that are

busing um, up to Thief River Falls and working at

Digi-Key. And um, you know it's

pretty successful and people are willing to do that because it's a

it's a good job opportunity and there's no housing available close by.

So they're...they want to be in their community anyway

but they don't really have an opportunity to move because there's no

housing anyway. Bethany: There's just no opportunities for them. Dan: Yeah, there's

companies in southwestern part of the state, too, that are running their own

transit systems to bring people to work. Mayo Clinic in

fact does one. They run their own buses around that area

to make sure they get people to work. But yeah, that's how

I'm not gonna say desperate, but I mean if they don't want to do that

right they'd rather be spending their time and resources improving their business

and selling more product and employing more people. But part of that for some

of these companies has been ah, transit systems. And again

that's different then the metropolitan area. And so,

again we're not trying to take anything away from them. We're just trying to say

we...we've got different needs and they need to be addressed. Bethany: Each community has

it's own unique needs I'm sure as you guys hear repeatedly. [Yeah]

Dan: And I think Tim was right, that it depends on where you go

it's a different mix. Some areas need a lot

of both. Some areas need more of affordable

than others. Some people say, hey we've got plenty of affordable

but this middle income. So I don't think it's a cookie cutter

you know, I think every town is almost different. [Right]

There's not a one size fits all solution. Bethany: Do you find

that there's communities that exist that have some housing

available it's just not what they need? So like, the low income

housing for example, they could live there but they don't meet those

income requirements? Dan: Yeah, I

can't speak specifically for this area. I live in Albert Lea and

you know one way...we hear a lot from the school district. That's this is a problem

and ah, I know a guy that manages a section 8 building.

Nice building down by the lake. And he can always tell when the new teachers

are in town because there's a knock on the door [knocks on table] hey, can

you sign me up right? Oh, great what do you do? He said, well

took a job at the school district. Oh yeah, sorry you make too much money.

So those units sit empty. You know, it's not a high

rate but there's always empty units there. They sit empty. Where

you know you got these other people saying, well maybe I don't want to move to this town. Maybe

I want to go to the cities because I can live in a

you know, a better apartment. Ah, and that is happening.

It's a strange deal. But it is happening. I think

you know, you're going to see more and more school districts start to talk about this. Which

is really ah, different than what you think. I mean,

the mind set is underpaid, somehow factory

workers you know, this nefarious evil.

And it really isn't that. It's really people that are making a decent wage

but they also want a decent place to live. And who wouldn't, what's wrong with that?

Bethany: Let's talk about some of the tools that do exist. You've

referenced TIF earlier in terms of the way that it can be used to develop

certain types of housing. Is TIF not an option for

a housing development such as this? Dan: Not for, not for market

rate housing. It is for low income. But the legislature

restricts the...you know, which always bothers me. You know it seems like

in full disclosure, I'm a former state legislator.

When we run for election right, we're all in favor of local control and it

seems like too many of us we get to St. Paul and not want to control the local.

So they do not let cities ah...we joined

with the league of cities trying to change that. The coalitions a partner

in it. Trying to make sure that we could use TIF but in the

cities that I've talked to, they're going to use it. No

question about it. But it isn't going to be enough in and of

itself. So I think that would be a needed tool. And it's local dollars

there are no state dollars in ah, TIF program. So,

you know why St. Paul restricts it that way is beyond me. I

think our communities are responsible ah, if

the city council says hey, this is what we want to do and this is..this

makes sense for our community. I have no idea why the state's standing in the way but

that's a tough sell in St. Paul. And why is it a

tough sell is because I think some of the abuses that people have seen

and they've occurred in the metropolitan area. Well, don't ring us up for that

you know? In fact, one ah, senator who will go

unnamed but this particular senator was originally

against TIF for anybody but then kind of moderated

their position and said you know, I guess this does make sense in the metro area. Cause

you kind of sit down with them have that conversation about, it's a little

different game out here. Again, it's not saying it's better, worse

or anything it's just different. And so you might need different tools in the

metropolitan area, they've got different tools. We

may need some different tools, there's nothing wrong with that. Bethany: Is that a big part

of your process right now? Trying to educate in terms of the

problem for rural or for metro based legislators?

Dan: Absolutely. And even the....even the new greater

Minnesota legislators. Cause for some of them you know

you're learning so many things. There's LGA, other issues are

flying at you, transportation what do all of these things mean?

And you've got to try to figure this out and then somebody's over here

talking about housing. But you know we're spending all this money over here.

So yeah, there's an education piece to it. It's

a...that's why we're there. And ah....

Tim: That's one of the reasons like in, um that we're

really interested in being part of the partnership is that we don't

have the ability to be spending time in St. Paul.

Um, you know we're 4 hours away.

Um, and so it's just difficult and

being a member of the partnership allows us to be part of

a voice that's going to be heard. Cause we don't necessarily

think individually we're going to be heard very loudly at least.

And so it's been a good thing for us to be a member

of a group of ah, communities throughout

the state that are engaged in these dialogues and willing

to provide some leadership to try to get things done.

Dan: The Center for Rural Policy they were

in St. Peter, they came out with a report about 4 years ago who speaks

for greater Minnesota at the capitol on these issues. And at the end

of the day the report said, nobody. Ah, they also didn't think anybody

could do it. That it would be too hard to do, what we're doing. But we don't believe that. We think

we can get it done. But one thing they noted in that

was that you know, metropolitan area has their own organizations but

also the state wide organizations and not again

intentionally but are picking up a metropolitan feel. And Tim hit

on one of the reasons, right? There's one organization that has

a meeting right before session to put their priorities together

it's an afternoon, ah like a Friday afternoon typically

in St. Paul. You don't get people driving 4 or 5

hours to go down for a 3 hour meeting. Right, so who's in the room?

Tends to be and I've been there, ah it tends to be

people if you do the dot and then draw the area, unless

there's a board member, it's people that are within 75 miles

of the metropolitan area, right? And that's a state wide organization.

But that's who's there at the meeting and then that's what their

ah, the priorities being to pick up that metropolitan feel

even though it's unintentional. And that's what that Center for Rural

Policy report talked about. Was that you know, somebody needs

to be out there talking about hey don't forget us. You know again

it isn't...it isn't we're trying to take anything away from them we're just trying to say hey

ah cause I don't think people in the metropolitan area wake up in the morning and say boy let's put

the screws to those guys up in Bemidji or Dorman,

lets go you know make things hard for them. It's just not top

of mind cause they've got their own stuff they're dealing with. It's just

important, it's important that greater Minnesota have that voice

at the capitol on a consistent basis. Bethany: Do you have any

time any idea in terms of what kind of number

of units could be beneficial statewide? I mean, has there been any research

into actual figures, in terms of the stats in terms of how much

could be used? Dan: I think Minnesota housing finance would say

I should have brought the brochure but as I recall

ah, it's about 6,000 units. You could right

now I mean today. Bethany: That they could fill them today if they were

constructed. Dan: If they were constructed. So I mean there is a big...that's why

in one of the committees this week, ah people were like

well why don't you do this as well? Why don't you this as well? Trying to

help the bill, right? Well just do some low or do some ah

single family home stuff. And another representative pointed out, it's only 6 million

dollars a year, it's not...you know, this isn't going to

solve all housing issues. You know if you think of the scale we're talking

about 6 million a year versus 100 million a year in low income.

Again, that's not bad. I'm not saying take that money I'm just saying

you think of the scale, ah we can't solve

the...that at 100 million dollars a year we're going to have a hard time

you know making a big dent in it at even 6 million dollars a

year. The DEED program I referenced earlier is only 2 million dollars a year

and while nice, it just isn't enough to

really bend that curve very much. Bethany: Is the lag time

concerning then, in a way? You know that the need is here

now and even if you got funds yet this year it's going to take, what?

2 years to get them constructed and operational? Dan: Yeah,

the nice thing and one reason you know that we're trying to ah

establish this program within DEED or the Department of Employment

and Economic Development. The other, the big housing players

Minnesota finance agency and because of the nature

of their programs they've got federal tax credits and so much more

complicated process. But we were at a meeting in Thief River

Falls with the League of Minnesota Cities and Minnesota Chamber trying to

understand the issue, get more information. And one of the cities talked about

when they did an MFHA project it was a 2 year process

the DEED grant program they were able to get it spun around

in less than a year. So that's one reason why we want to work with DEED cause we think

that this, we look at this economic development not

you know low income housing and so DEED is seems to be

much more responsive. That's not a criticism, hey I better throw that

in there so I don't get a bunch of angry people. It's just different.

And it's a different need and ah so hopefully it's not two years.

Bethany: Are you feeling kind of confident at all? I mean

do you feel like there might be a chance of success yet this year? Dan: I do.

I do. I don't know...ah, you know I hope it's the whole 6 million

that I don't feel as confident about. But I think we're

going to see some action. You know we've seen growth each year that

we've tried. This first year we couldn't get any traction. Next thing you know we're in the senate

tax bill. So hopefully this is the year that we're able to

push it over that end line. And actually get it signed into law.

Bethany: Well I want to thank you both for joining me today um

thank you for tuning in. If you'd like to learn more about the Greater Minnesota

Partnership or this issue I encourage you to visit the

website on the bottom of the screen. Thank you. Join me next time.

For more infomation >> Lakeland Currents 1021 - Workforce Housing - Duration: 28:10.

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Don't Ever Insult a Puppet.. They Might Turn It Back on You. | Comedy - Duration: 0:06.

For more infomation >> Don't Ever Insult a Puppet.. They Might Turn It Back on You. | Comedy - Duration: 0:06.

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Face Reveal - Duration: 0:31.

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Error 404: There is not a current transcription for this video. We at Silvershire apologize for the mishap.

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Check the description if you want more details about me.

For more infomation >> Face Reveal - Duration: 0:31.

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What Will Happen to Your Body if You Eat 2 Bananas a Day - Duration: 3:34.

What Will Happen to Your Body if You Eat 2 Bananas a Day

Healthy food isn�t always tasty.

But with regards to bananas, this isn�t the case.

Which is why it�s doubly pleasing to learn that they not only bring satisfaction to your

taste buds but also a great many benefits to your health.

We at Bright Side have gathered together all the evidence showing why eating just two bananas

a day can seriously improve your health.

1.

Arterial pressure will return to normal Bananas reduce high blood pressure thanks

to the fact that they contain around 420 mg of potassium.

2.

Excess weight disappears Bananas are rich in fiber, which makes you

no longer want to eat once consumed.

Bananas also contain a kind of starch that reduces your appetite and stops you gaining

weight.

It reduces the level of sugar in your blood and raises your body�s sensitivity to insulin.

If your body�s cells aren�t sensitive to insulin, they can�t absorb glucose, and

your pancreas begins to produce it in larger quantities.

Whether the body accumulates fat depends on the insulin present.

3.

The risk of anemia falls

Anemia causes paleness, tiredness, and breathlessness.

It�s the result of a reduction in red blood cells and a low level of hemoglobin in the

blood.

Bananas contain a lot of iron, which stimulates the production of red blood cells.

Bananas also contain vitamin B6, which regulates blood glucose levels, helping people with

anemia.

4.

Digestion improves Bananas are easily digested and don�t irritate

the gastro-intestinal tract.

Resistant starch contained in bananas is not digested and ends up in the large intestine

where it serves as an effective nutritional medium for healthy bacteria.

Bananas can be eaten when a person has gastritis and heartburn, and they restore the minerals

lost when a person suffers from diarrhea.

5.

Stress levels will fall Bananas improve your mood.

They contain tryptophan, which is required by our bodies in order to receive serotonin

(the "happiness hormone").

On average, each banana contains around 27 mg of magnesium.

This mineral is responsible for producing a good mood and healthy sleep.

6.

Your vitamin deficit will be filled up Bananas are rich in vitamin B6.

On average, one banana contains around 20% of your daily requirement of vitamin B6.

This helps your body produce insulin, hemoglobin, and amino acids that are needed for the creation

of healthy cells.

Although we usually think that oranges and strawberries contain the greatest amount of

vitamin C, bananas actually contain 15% of our daily norm of this important substance.

Vitamin C is an important anti-oxidant that neutralizes harmful free radicals (active

molecules with insufficient electrons that can destroy the body�s cells).

It also helps keep blood vessels healthy and produces collagen.

7.

Your energy levels will increase The potassium contained in bananas protects

your muscles from cramps, whilst the carbohydrates provide you with enough energy to endure a

heavy workout.

For more infomation >> What Will Happen to Your Body if You Eat 2 Bananas a Day - Duration: 3:34.

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Green gram dosai | பச்சை பயிறு தோசை | Healthy kitchen - Duration: 1:55.

Today we will see the preparation of green gram dosa

Boil green gram and mash it

Add it to the dosa batter

Mix well

It should come like this consistency

After the tawa heaten up,pour the batter into dosa

litlle oil on the top

Turn up other side

Healthy green gram dosa is now ready to serve with your preffered chutneys

Green gram is more healthier among other grams and it is regularly given for the pregnancy women

It should be given for the chidren regularly for their bone strength

Like and subscribe for daily healthy updates

For more infomation >> Green gram dosai | பச்சை பயிறு தோசை | Healthy kitchen - Duration: 1:55.

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How to Pronounce Woo hoo! (Collaboration with other YouTubers) [ ForB English Lesson ] - Duration: 2:42.

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

Hi everyone and welcome back to another lesson here at ForB's English.

I'm Gabriella and in today's lesson we are looking at an English phrase

and we are goingto practice the pronunciation and intonation of it.

Are you ready?

Woo hoo!

Woo hoo!

Now, this is a really happy phrase in English.

We typically use it when we're really excited about something and I want you to notice the voice level

so we usually increase our voice level for this and the intonation.

It's a kind of informal expression in English.

You won't usually find it written, so it's a casual spoken expression.

You might use it if you're really excited about something.

Maybe your favorite team has scored a goal or your colleague or friend tells you some really good news

and your reaction would be "woohoo!" "woohoo!"

It's a kind of party phrase, too.

Let's practice it together now so lots of intonation and energy.

Please repeat after me.

Woo hoo!

One more time!

Woo hoo!

OK, good job!

Thank you very much for joining us today.

Please like the video if you liked it and we'll see you next time.

Bye!

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

Woo hoo!

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