Podcasts about holy

2 Sam 18:1-19:10, John 20:1-31, Ps 119:153-176, Pr 16:14-15

Community Prayer and Encouragement

2 Sam 17:1-29, John 19:23-42, Ps 119:129-152, Pr 16:12-13

2 Sam 15:23-16:23, John 18:25-19:22, Ps 119:113-128, Pr 16:10-11

2 Sam 15:23-16:23, John 18:25-19:22, Ps 119:113-128, Pr 16:10-11

Today's promise: Colossians 1:21-22 As a new creation, Jesus presents you to God without sin or accusation. God didn't wait for you to clean up your act before He began His work of salvation. This promise describes three ways Christ presents you to God. 1. He presents you holy. 2. He presents you as faultless. 3. He presents you blameless. You are not the person you used to be. God has removed your past and forgiven your sin. Jesus presents you holy, faultless, and blameless before God.

2 Sam 14:1-15:22, John 18:1-24, Ps 119:97-112, Pr 16:8-9

2 Sam 14:1-15:22, John 18:1-24, Ps 119:97-112, Pr 16:8-9

Text us here! Hershall, we're back again... Pastors Isaacs, Brock, and Burnett. We discussed Ephesians 4 on the five-fold ministry of the church and the goal of the ministry is to bring us to the body of Christ to a place of Unity, Diversity and Holy living. We had a great, challenging discussion. We have one more day of our camp meeting and that is tomorrow. Once again, you can view this episode for free on our YouTube page. God Bless & we'll be back tomorrow. Enjoy!  Support the showConnect with us at https://www.podnme.org/https://youtube.com/@devinbirdsongEmail devin@podnme.orgFollow us on Instagram @podn_mePersonalities on Pod'N MePastor: Devin BirdsongDeacon: Dustin WakleySongleader: Brad CottrellHershall: Jud IngramNews Anchor, Dink Burbank: Josh SmithGen Z Boy: Brooks Birdsong

Sleep better and Stress Less— with Abide, a Christian meditation app that provides a biblically grounded place to experience peace and progress in your relationship with Christ. We hope this biblical sleep meditation, narrated by Ben Little, helps your body relax and your mind rest on the truth found in scripture. Fall asleep resting peacefully in the arms of the God of Miracles - the God who provides. He created you and loves you more than you can imagine. For a 30 day free trial of our premium ad-free content, your trusted friend for better sleep is right here: https://abide.com/peaceDiscover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us

1 Kings 1-2, Psalm 37, Psalm 71, Psalm 94

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Morning:Fifth Day Morning: The Giver: https://banneroftruth.org/us/devotional/fifth-day-morning-the-giver/Glorifying God, Thomas Watson, May 29Deuteronomy 2: https://read.lsbible.org/?q=Deuteronomy+2Psalm 83: https://read.lsbible.org/?q=Psalm+83Psalm 84: https://read.lsbible.org/?q=Psalm+84Isaiah 30: https://read.lsbible.org/?q=Isaiah+30Jude: https://read.lsbible.org/?q=JudeSinsEvening:PrideSpurgeon's Morning and Evening, May 29, Evening: https://www.biblegateway.com/devotionals/morning-and-evening/2025/05/29Message: Holy Affections, Submission To God's Commands, 1 John 3:22bFifth Day Evening: Protection: https://banneroftruth.org/us/devotional/fifth-day-evening-protection/Resources:Valley of Vision: https://banneroftruth.org/us/store/devotional-books/the-valley-of-vision/Spurgeon's Morning and Evening: https://www.amazon.com/Morning-Evening-Classic-Daily-Devotional/dp/1683227247/ref=pd_lpo_1?pd_rd_i=1683227247&psc=1Legacy Standard Bible: https://316publishing.com/Glorifying God, Thomas Watson: https://www.amazon.com/Glorifying-God-Inspirational-Messages-Thomas/dp/140418712X/ref=tmm_hrd_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.RxmikVPx1TbCsaSCjkzxXvQu3AKtIrHMzUnVuUojQXDf94C0nKibszGVgpGBwttw2fMNOjz4KCLQtgLkdNcXCQ.m9etrS0_7bNsGcyvw3NtwysBMrVzvuUG8XBRpIRXH7E&qid=1708794474&sr=8-1M'Cheyne Bible Reading Plan: https://www.mcheyne.info/mcheyne-reading-plan/Vail Valley Baptist Church GiveSendGo Campaign Link: https://www.givesendgo.com/vvbc-az-school

Be Ye Holy pt.4

2 Sam 13:1-39, John 17:1-26, Ps 119:81-96, Pr 16:6-7

Two series. Two 3-1 leads for the Thunder and the Pacers! We're back here LIVE in Oklahoma City ahead of Game 5 as the Minnesota Timberwolves are on the brink of elimination. With the Thunder are on the cusp of an NBA Finals berth and this isn't necessarily uncharted territory for the franchise. He's been dominant, he's been benched, and now, Julius Randle might be the biggest wildcard in the entire conference finals. What it all means for Game 5 and beyond. Game 4 was personal. And Tyrese Haliburton played like it. Udonis tells how far the all-world point guard can take Indy. The playoffs may be winding down but the fireworks? They're just getting started. Why this NBA summer is already being called historic, and who's about to shake it up. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Read OnlineJesus said to his disciples: “Thus it is written that the Christ would suffer and rise from the dead on the third day and that repentance, for the forgiveness of sins, would be preached in his name to all the nations, beginning from Jerusalem. You are witnesses of these things. And behold I am sending the promise of my Father upon you; but stay in the city until you are clothed with power from on high.” Luke 24:46–49And with that, the earthly mission of Jesus was completed and He ascended into Heaven. Or was it? Was His mission completed? Yes, but only in the sense that our Lord's work of destroying death and offering new life was accomplished by His life, death and resurrection. Human nature was now invited to share in a new life of grace.Prayerfully imagine standing on the mountain of the Ascension with our Lord. As you gaze upon Him, imagine that you were also present with Him throughout His public ministry. Imagine witnessing His many miracles, the way that He converted the hardest of hearts, the authority with which He spoke, His arrest, torture, death and then His Resurrection. Imagine seeing His hands and feet, once pierced, now radiating glory from those wounds. As you see our Lord in this way, imagine Him looking at you with love and saying to you that He has chosen to send you forth to the world to be a witness to Him and to all that you have seen and encountered. You are to go forth sharing the Good News of His life, death and resurrection with all whom you come in contact with. First, our Lord has, indeed, shared His entire life with you. By reading the Gospels, you become a firsthand witness to all that Jesus did and accomplished. His Word is alive, and it reveals His very Person to you, just as it did to His first followers. Second, Jesus does call you to go forth and to share this living Gospel with the world. Therefore, it is important to ponder how you can do such a thing. How can you give witness to the Resurrection of Christ? How can you change lives? How can you continue the mission of Jesus Himself?The promise given by our Lord to the disciples on the mountain of the Ascension is also a promise given to you. He is promising to send the Holy Spirit upon you so as to clothe you “with power from on high.” Only by receiving that power and using it fully will you be able to accomplish the mission that our Lord has given to you. Therefore, will you open yourself to the Holy Spirit and commit yourself to the continuation of Christ's mission?If we were to fully understand the mission we have received from Jesus, it would fill us with a holy fear. But too often the realization of what God wants of us fills us with an unholy fear instead. We think about evangelizing others, sharing our faith, witnessing to the truth by our actions, loving our enemies and living for the Gospel alone, and it can appear overwhelming. If that is the case with you, then know that this form of unholy fear can be dispelled so that the gift of holy fear can take its place. Holy fear is a gift of the Holy Spirit that inspires us to sense the awesomeness of God and the mission we are given by encountering it firsthand. It motivates us, encourages us and leaves us with wonder and awe. From there, this and every other gift of the Holy Spirit enables us to fulfill the unending mission of Christ. Reflect, today, upon the particular mission that God has given to you. Prayerfully look at Jesus as He stands on the mountain of the Ascension and looks at you. As He does, let Him reveal to you not only His very Person but also your particular sharing in His ongoing mission of sharing the Good News to the ends of the earth. Receive that mission with courage, joy and holy fear. Reverence it, savor it, ponder it and accept it. Commit yourself to this glorious sharing in the life of Christ by committing yourself to become a witness to Christ until the end of your life on earth. My ascended Lord, as You entered body and soul into the full and glorious presence of Your Father, You handed on to your disciples the duty of completing Your mission on earth. I hear Your call in my life, dear Lord, and commit myself to the glorious task of continuing that mission on earth. Please use me as You will and fill me with power from on high so that I may help share Your saving Word to the ends of the earth. Jesus, I trust in You.  Window: workshop of Franz Borgias Mayer (1848–1926); Photo: Andreas Praefcke, Public domain, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

Read OnlineJesus said to his disciples: “Thus it is written that the Christ would suffer and rise from the dead on the third day and that repentance, for the forgiveness of sins, would be preached in his name to all the nations, beginning from Jerusalem. You are witnesses of these things. And behold I am sending the promise of my Father upon you; but stay in the city until you are clothed with power from on high.” Luke 24:46–49And with that, the earthly mission of Jesus was completed and He ascended into Heaven. Or was it? Was His mission completed? Yes, but only in the sense that our Lord's work of destroying death and offering new life was accomplished by His life, death and resurrection. Human nature was now invited to share in a new life of grace.Prayerfully imagine standing on the mountain of the Ascension with our Lord. As you gaze upon Him, imagine that you were also present with Him throughout His public ministry. Imagine witnessing His many miracles, the way that He converted the hardest of hearts, the authority with which He spoke, His arrest, torture, death and then His Resurrection. Imagine seeing His hands and feet, once pierced, now radiating glory from those wounds. As you see our Lord in this way, imagine Him looking at you with love and saying to you that He has chosen to send you forth to the world to be a witness to Him and to all that you have seen and encountered. You are to go forth sharing the Good News of His life, death and resurrection with all whom you come in contact with.First, our Lord has, indeed, shared His entire life with you. By reading the Gospels, you become a firsthand witness to all that Jesus did and accomplished. His Word is alive, and it reveals His very Person to you, just as it did to His first followers. Second, Jesus does call you to go forth and to share this living Gospel with the world. Therefore, it is important to ponder how you can do such a thing. How can you give witness to the Resurrection of Christ? How can you change lives? How can you continue the mission of Jesus Himself?The promise given by our Lord to the disciples on the mountain of the Ascension is also a promise given to you. He is promising to send the Holy Spirit upon you so as to clothe you “with power from on high.” Only by receiving that power and using it fully will you be able to accomplish the mission that our Lord has given to you. Therefore, will you open yourself to the Holy Spirit and commit yourself to the continuation of Christ's mission?If we were to fully understand the mission we have received from Jesus, it would fill us with a holy fear. But too often the realization of what God wants of us fills us with an unholy fear instead. We think about evangelizing others, sharing our faith, witnessing to the truth by our actions, loving our enemies and living for the Gospel alone, and it can appear overwhelming. If that is the case with you, then know that this form of unholy fear can be dispelled so that the gift of holy fear can take its place. Holy fear is a gift of the Holy Spirit that inspires us to sense the awesomeness of God and the mission we are given by encountering it firsthand. It motivates us, encourages us and leaves us with wonder and awe. From there, this and every other gift of the Holy Spirit enables us to fulfill the unending mission of Christ.Reflect, today, upon the particular mission that God has given to you. Prayerfully look at Jesus as He stands on the mountain of the Ascension and looks at you. As He does, let Him reveal to you not only His very Person but also your particular sharing in His ongoing mission of sharing the Good News to the ends of the earth. Receive that mission with courage, joy and holy fear. Reverence it, savor it, ponder it and accept it. Commit yourself to this glorious sharing in the life of Christ by committing yourself to become a witness to Christ until the end of your life on earth. My ascended Lord, as You entered body and soul into the full and glorious presence of Your Father, You handed on to your disciples the duty of completing Your mission on earth. I hear Your call in my life, dear Lord, and commit myself to the glorious task of continuing that mission on earth. Please use me as You will and fill me with power from on high so that I may help share Your saving Word to the ends of the earth. Jesus, I trust in You.  Image: Paolo Veronese, Public domain, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

Kiera is joined by Mark Rasmussen, CEO of Moolah, to talk about the landscape of credit card fees and how to reduce them, membership discount plans, and other bonus features offered by the dental payment tech company. (Pssst, Mark was last on episode 866, It's Time to Modernize Payment Processing!) Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I am super jazzed because I have a guest here who's going to help us with cashflow leaks, modernizing your practice, figuring out those membership plans, all the things that you need and want. We're going to talk about some case studies. This is one of my absolute favorite guests, Mark Rasmussen, CEO, owner, founder, Moolah. How are you today, Mark? Welcome to the show.   Mark Rasmussen (00:22) Hey, Kara, I'm doing fantastic. I'm doing awesome. So, so, so it's connected with you and your listeners and excited to get into all this juicy good stuff about revenue and payments and modernizing things. Let's do it. I love it.   Kiera Dent (00:31) Yeah.   Let's   do it. So I have a slight crush on Moolah. Like truly you guys like just make credit card processing easy. And so what I want to start off, if you guys don't listen, Mark and I have done other podcasts in the past together. ⁓ But I don't know, Mark, what you guys say on your email subject lines, like on your little, what is it your signature, but I feel like it should be like your new favorite credit card processing company. Like that's what I feel like Moolah's tagline should be because I wanted to do a couple case studies with you since we last chatted.   Mark Rasmussen (00:40) Hahaha   Kiera Dent (01:05) ⁓ Mark knows, like, I do have a crush on Moolah. I try to get them to come and be our processor too.   Mark Rasmussen (01:10) I need to like soundbite clip that,   like I have a crush on Moolah just like everywhere in social. I love that.   Kiera Dent (01:15) I   do. do because I like companies that make things easy, but also are like the cheapest on the market and credit card fees are one of my biggest beefs. Like really truly I get annoyed when I look to see how much credit card fees are charging. And when you guys, ⁓ deadly team listeners, just so you know, I'm going to throw it out there. Like anybody who goes through our link literally saves 10 basis points. ⁓   on it, which is huge to get anywhere in the credit card industry. So you're getting below that 2.99. So you're getting 2.89 on cards not present and 2.39. And I hope that Mark, I'm allowed to say that because I'm just going to be bold and brazen. And if not, we'll cut that out. So don't stress about that.   Mark Rasmussen (01:52) No, no, no, for sure. And   not only that, it's like, that's not just a like teaser rate, like they look, your practices will get that preferred rate forever, right, which is awesome. And, and it's like you and I were talking a little bit earlier, too, of like, a bit of shock and awe of like, I and myself as well, I've been seeing like some statements from potential practices. And I'm like, ⁓ my God, I'm like, I'm seeing like,   Kiera Dent (02:03) which is so big and you don't add extra heat.   Mark Rasmussen (02:19) six, seven, eight percent, like net effective rates. I know you were saying you have been seeing even higher. It's crazy. Yeah, that's crazy. It's almost criminal.   Kiera Dent (02:25) Mm-hmm. Yeah, so it   does feel criminal because like here's the thing like you might get a cheaper rate somewhere else but when you look and dig into the details and this is where it feels annoying and obnoxious to me and doesn't happen right away it happens like when you've stopped looking at it you're like I've checked my credit card company for years they don't do anything and then all of a sudden it starts creeping up and being eerie and that's where I just get annoyed and that's why like I have a crush on Moolah because you guys don't do it and you guys stay consistent for it so   I felt Mark and I, you didn't listen to our last podcast, we'll definitely link it in the show notes for you. But Mark, I felt we should kick today off with some case studies because I have some clients that I've recommended over to Moolah. And I think my favorite one is we were looking and I had a practice and our overhead was high. So like this practice, they don't love to like look at numbers. They have an amazing CPA. Like I will say we do look at numbers, but they're kind of like, yeah, carry it. We'll just like out produce our problems a little bit. And that's fine. Like anybody can have that. But I said, Hey,   Mark Rasmussen (03:17) Alright.   Kiera Dent (03:21) Your credit card fees are really high. think that they were honestly like 10%. And I'm like, is that really true? Like that just seems outlandish. And they said, well, Kiera, we're in a contract. Mark, do you want to throw up with contracts? Tell me about credit card contracts.   Mark Rasmussen (03:33) Oh, I hate contracts. I hate contracts   like really in anything in my life. I don't know. So yeah, but that's, it's just crazy. The industry for the longest time has like felt the need to like lock these business owners and not just Dennis, but business owners in like these typically it's like three year contracts. And then, you know, they'll have like termination fees. And so they take advantage of that. And like you were saying, I talked to so many practices are like, Oh, I'm paying X and you know, they were paying X the first month that they signed up.   And then they didn't look at it, like you said, and then six months later, eight months later, the processor started like nudging it up, nudging it up, nudging it up. And to the point where when you look at what their rates are, you know, two years from when they signed up, it's like almost 180 degrees difference. So yeah, please you guys out there, please make sure you stay on your credit card processing. Look at those month end statements. Look at, you know, what is being nudged up because   Kiera Dent (04:19) Yeah.   Mark Rasmussen (04:28) You know, they'll just slip it in a little statement message. They're not forthcoming about it. I promise you they're not like, shooting you multiple emails or calling you and be like, hey, we're going to increase your rate. No, no, no, no, no. They're going to slip it under the table and hope that you never pay attention to it, which is really what happens because you guys are all busy. You guys are all doing amazing care on patients and you're not paying attention to that. That's the reality.   Kiera Dent (04:49) And it's creepy to me because it's also done on things that don't make sense. Like I feel like reading a credit card statement with what they're charging is like reading very highly processed foods. And I'm like, I have no clue what 90 % of these words are. And I feel like it's the same thing when you come to a credit card statement. And so back to this practice, what we did, there's two case studies I wanted to bring to the table today that are my own personal clients that I've referred over to Moolah that I signed up with Moolah. So this practice, again, overhead, let's out produce our problems.   Mark Rasmussen (05:00) That's a good comparison, I like that.   Kiera Dent (05:18) And it was wild because the first month they switched to Moolah, their CPA sent a letter to all of us and said like, hey, what'd you do? Did you switch credit card companies? Your fees are so much lower. Like that fast first month drop down. So we went from about a 10 % fee on what they're producing and collecting to then dropping it down to this 2.89 to 2.39, depending upon if card was present or not, which is super awesome also because then you can get cards.   Mark Rasmussen (05:28) guys.   Kiera Dent (05:44) on auto renew, like on just processing internally and you don't have to, like you can have cards present or not present within the practice, which is so awesome. ⁓ But I was shocked like that fast. And then another practice that we brought to Moolah, they were locked in with another credit card company. And so I didn't know you couldn't do this, Mark. So this was like rookie mistake on me. Like I was, I'm scrappy and I thought, well, okay, fine. You guys are in a contract. So.   just stop processing through that processor, switch everything over to Moolah. Well, you know this Mark and I was rookie so you know what happens. Do you know what happens with those companies?   Mark Rasmussen (06:21) No,   listen, I said that a lot too because technically, really, if the practice is in a contract, and I've said that before, you probably have these miscellaneous junk fees, these monthly minimums that are gonna hit maybe 20, $30 a month. But even if you're paying that minimum and you saved thousands over here, who cares? Pay that minimum, just write that contract out. What happened here in this scenario? Okay.   Kiera Dent (06:44) That was exactly what I said too. So   that's what, cause I was like, why not? I thought the exact same thing. I'm like, okay, if we're looking at, you're able to save 3%, 4 % like higher amounts and we're processing, even if you're processing a hundred thousand or 200,000, like that extra two, 3 % do the math. Like that's surely going to offset the cost. Well, what happened is we actually did that. So a client signed up with you guys. They did that. And we got a letter from the other processor saying,   Mark Rasmussen (06:54) Yeah.   Kiera Dent (07:11) that, we have a minimum and if we don't hit it, it was going to be substantial and to get out of contract, it was going to cost us a thousand dollars. So we literally said, fine, take the thousand dollars because we'd already saved that much through Moolah's savings to be able to like, we're just like, like it's a done deal. Like they were trying to threaten them with this thousand dollar fee, but we were like, that's so minimal to get us out of this contract based on how much we were saving. Now this practice was processing a decent chunk.   Mark Rasmussen (07:32) Right. Right.   Kiera Dent (07:38) But I think even if you're processing like 70,000, 80,000, that one, 2 % stacks up. Like it's insane how much we pay in credit card fees. So those are like the two that I wanted to bring to the, like I said, this is why I have a crush because I hate credit card fees so much. And that's going to lead into our next topic. But Mark, anything you want to add? Cause these were two cases that I've watched since we last met.   Mark Rasmussen (07:45) yeah.   I love that.   Kiera Dent (08:00) ⁓ I'm constantly on the prowl for cheaper people. I love that you guys don't charge for the terminals. You have it set up the next day. There's no contracts. Like that's where I said, like it's your new favorite, like credit card processing. You don't increase the fees. You give our clients reduced rates. If you have multi locations, you guys also take care of those practices. Like it's amazing what you guys do. So that's my like pitch for Moolah, but if you want to add anything else.   Mark Rasmussen (08:22) I love that. wanted to, because you just   like rang a memory. So what you were referring to in that practice, right, where like, okay, you can't just skate by and just pay the minimum, right? Or they were gonna hit him with his fee. Well, another thing I'm gonna tell your listeners out there is, listen, if you don't go with Moolah, great, do your homework. But one thing to look out that I've seen in contracts, which is crazy, is that sometimes you'll see a contract, all right, if you cancel early, it's like a 350 termination fee. Okay, fine.   but I've seen others out there where the processor says they try to enforce liquidated damages. So the processor will say, oh, we've been making, you're in a three year contract, on average we're making like, whatever, $500 a month on your processing. If you leave us now, it's not early termination fee, we're gonna calculate that $500 for the remaining 16, 17 months and they hit you with this liquidated damages thing, crazy. So just be on the lookout for that. If you're doing anywhere that's a contract,   Kiera Dent (08:57) No.   Mark Rasmussen (09:20) Look out for liquidated damages, that's no bueno, but better yet, find somebody that's just not gonna put you in a contract. Much easier.   Kiera Dent (09:26) Yeah. And   also like, okay, Mark, help me understand. And maybe you don't know because you guys don't do this and that's okay. But to me, it feels really funny that I signed a contract with them and there's got to be something in the fine print because I'm like, how did they go from what they told me to being able to add all these extra surcharges later on and increase it when we're in a contract?   Mark Rasmussen (09:43) for sure it's in the fine print.   yeah. It says that any, it basically says that any time at our discretion with 30 days notice, we can make an adjustment to any of your pre-schedule. And so they'll just do that. And then they'll just put a little message, you know, really small font in whatever kind of notification. And you know, in their minds, right? All right, well, we checked off the box. It's super shady. It sucks, but it's, you know, it's out there. Yeah.   Kiera Dent (10:05) Yeah, it is what it is. And I would say   they'll like look at it because two clients that were in contract, we were able to send over every person that I've sent to you guys have just loved who you are, that it's easy, that it's fast, that it's the cheapest processing. And there's a few other features that I think we should talk about. I feel like I'm on like a Moolah sales pitch right now. Like I'm truly not. I just get giddy. Like if you guys hear me talk about Swell,   Mark Rasmussen (10:27) Ha   Kiera Dent (10:30) was Zeke and Google reviews. I have a crush on Swell. They just do Google reviews better than anyone else. And right now, Moolah for sure, you guys are taking the cake on being able to do credit card processing better than any other company that I've come across, which I think is amazing. And so something else that I think is ratcheting fees on practices when we're looking for some of these cashflow leaks is on membership plans. Now, I'm a huge proponent of membership plans. I also think with the economy, with where insurance is reimbursing, ⁓ people are starting to look at like   should we be going out of network? And my big proposal is, hey, yeah, of course, if you want to do that rock on, membership plans really can help with that. But ⁓ there are some membership companies that actually charge pretty outlandish fees. I never wanted to pay for that. I was scrappy in a practice. So what I did is I just charged the patient an annual fee. Well, that was like eight years ago that I was charging an annual fee. And I think you look at today's world, no one wants an annual fee anymore. They just want like a monthly fee and they want it to be low.   Mark Rasmussen (11:02) for   Right. Right.   Kiera Dent (11:28) But managing that is nonsense on my own paying for it. And Moolah, like I've heard through the grapevine, you guys are doing something with membership fees. Can we talk about the membership plans? Talk about how you guys do this. Is it easier? Is it something we can do? Because I think membership plans have to come into play with the insurance situation that offices are in. And also possibly a cash leak if you're paying for heavy management fees on your membership plans.   Mark Rasmussen (11:37) Yeah, yeah, absolutely.   Yeah. So listen, membership discount plans. I've since I've been, I've only been in the industry, you know, dental industry for about four years now. And every year I feel like it's getting traction. More practices are asking about us. I have practices that are doing demos with us and they're like, Hey, I'm doing this demo is driving it because I heard you guys do, you know, membership, discount plan management. And so yes, the answer is we do. ⁓   And as you were looking to, there's a lot of great vendors in this space that just do that, right? And I'm not going to name any names, but there's a lot of great vendors, but they're not inexpensive. Like, you know, there's some decent SAS fees and then you pay per patient enrollment. ⁓ And so when it's, you know, when you look at the net net and you're like, okay, is this really making sense? So what's nice is that we have complete membership discount plan management built into the platform. You can create all your plans. ⁓ You can easily onboard the patient into the system.   Kiera Dent (12:21) Mm-hmm.   Yeah.   Mark Rasmussen (12:48) whether the patient wants to go monthly or annual, like you said, you were doing annual and a lot of the practices that I run into have historically been doing it annually, right? Because to think about billing it on a monthly basis has you like pulling your hair out. But the reality is that the patients and the consumers in the world that we live in, ⁓ everybody looks at whatever they're gonna bring into their life, whether it's a Netflix subscription or it's a car payment or it's anything else, everybody kind of looks at at a monthly basis.   Kiera Dent (13:02) Too hard.   Mark Rasmussen (13:17) And so that is what you want to be delivering. And so with the Moolah platform, you can absolutely manage an in-house membership discount plan and offer both annual and monthly options and truly set it and forget it. Not have to think about it. The system's going to run. The system's going to automatically post that payment into the ledger. In open dental, we even go a step further where when you enroll the patient into the membership, not only are we handling the billing element of it,   But we're also going into the PMS and we're associating that patient to that membership discount plan and keeping track. You know, that's what's really doing all the heavy lifting of keeping track of whatever the one free cleaning of the 10 % off services. And we keep that in lockstep. So if there was like a billing issue, we automatically disassociate the patient from the plan to really just kind of make it pain free. you know, membership discount plans are phenomenal. It's a win win for patients and practice. First of all, it brings some really great reoccurring   Kiera Dent (13:51) Mm-hmm.   Mm-hmm.   Mark Rasmussen (14:14) like trackable revenue into the practice, right? Number two, it's bringing patients like butts in seats ⁓ as well. ⁓ Because the patient looks like, I'm paying $40 a month. I should use it. I should be in there. ⁓ And it's bringing value to the patient. So it's literally just a win-win all around. I really love that for, you know, when you're looking at out of network patients ⁓ and the absolutely, you know, the platform has it built in. So you guys, please, if you're looking at discount plans, memberships,   I encourage you to look at some of the other great vendors out there and then come take a look at us last and see like the value that you get that's included.   Kiera Dent (14:49) That's awesome. Yeah. And again, like there are so many great people out there that are doing it. I just feel, ⁓ when I heard that you guys were doing membership plans, I was like, well, it kind of makes sense because you're already processing credit cards. Like you're already doing the processing. So now something else that is doing a processing is in my processor, into my software, which I just, that was so incredibly clever. And, ⁓ like again, I had another client who, who scoped you against other companies and they were like, gosh, like there's no fees.   Mark Rasmussen (15:03) Great.   Kiera Dent (15:17) compared to other companies with moolah. So that was something I was really excited about. I'm big on just, it's like my insurance. I've been with State Farm forever. And Jason and I giggled, we're like, we need to go and actually like assess and make sure that we're truly getting the best plans. And so I just think like it's good to periodically go and assess and make sure our credit card fees, what they were when we set up.   our membership plans making sense? Is it time to look to possibly renegotiate some certain things? And again, I'm not here to propose one company over another. Like Mark said, do your homework, figure out what's best because there's so many great companies out there. I just really love when it's simple and easy. And that's something I love about you guys, Mark, you guys have the fact that we can send patient statements and like have payments online and they can pay it all times of the day. Like just that alone boosts offices, collections with Moulin. So Mark, I want to go into a dicey topic with you though.   because this one's hot. We had it in our in-person ⁓ doctor and leadership mastermind when we were in Arizona and I loved it. It was like a hot, hot topic and heads up like this might be awkward for you. I don't think it will because of who you are, but there's the question of, and it was hot, like the room was split of people who were pro and con. So the question is with credit card fees being as much as they were, we talked about at the beginning, like ways that we can reduce it.   Mark Rasmussen (16:10) Let's do it.   I know, I wanna hear what the feedback was, because I know where you're going.   Kiera Dent (16:40) Then we talked about reducing membership plans. Now there's a question of, should we actually charge patients the credit card fees? Like this is becoming really popular and I don't blame businesses because inflation's high, labor is higher. So now we're trying to figure out like where could we cut? And so people are like, well, sweet, we're just gonna pass on the credit card fees to our patients. And the room was spicy. There was like people that were so pro and people that like literally people were bristly and it was a...   Mark Rasmussen (17:05) Yeah.   Kiera Dent (17:06) It was quite interesting. So your credit card company, which is where I feel like it's a little awkward to ask you this question, but I want to know, we pro, are we con? Should we charge the patients from your perspective? We're in 2025. So many companies do this. Should people be charging patients the credit card fee? Should they just raise their fees and bake it in? Like, what are your thoughts on this? Because my room was 50 50 split. And I will tell you some of the feedback if you want to hear it, cause it was quite interesting.   Mark Rasmussen (17:13) Yeah.   Okay, okay.   I do. Okay, so the first   thing I want to point out is I expect you to say that the room is split, right? Like half of them are like, yeah, absolutely. You know, I'm not paying for my patients' reward points. And I think the other half of the room was like, yeah, but I'm worried about the optics. Does it look like we're trying to be cheesy or nickel and diming our patients, right? Those are the two ends that are battling each other. The interesting thing is that this hot topic, ⁓ if you would have asked that just three years ago,   Kiera Dent (17:38) Mm-hmm.   Mm-hmm. No.   Mark Rasmussen (18:01) it wouldn't have been 50 50. It   would have been like 80 90 % saying no way and 10 % made me do it. So the trend is is like it is going right and two or three years from now I have a feeling it's going to be like 80 % are doing it and 20 % are not doing it. So the cat is out of the bag. Let's just get that you know right out there in the open. What do I think about it? I'm to be super Switzerland about this and I'm going to say that I think   Kiera Dent (18:06) Agreed. 100 % agree.   I would agree with you.   Remember he's   a credit card processing company.   Mark Rasmussen (18:31) Well,   no, I'm going to say that I think that as a vendor who delivers credit card processing service, I think that I should enable our practices to make that choice for themselves. I think whatever you think you should do for your practice, I want to support it. So if you don't want to do surcharging, great, we love that. If you do want to do surcharging, great, I love that. I just want to give the tools to the practice so they can make that decision. Now, aside what I think about it,   It's a very interesting topic to talk about. Well, what is the net result? I like, all right, how does it work? What does it save? Let's get into it if I may. Okay, so there's a couple ways. There is absolutely there. There is, and there's a couple flavors to this. There's a couple flavors to this. ⁓ there, the, the, what that we do, let me talk about that first. So what we do is what's referred to as compliance surcharging and with compliance surcharging, what is, what you're doing is that   Kiera Dent (19:06) I agree. Cause like, are there rules around it? Like, you actually have to do anything? Okay. I have no idea. Okay.   Mark Rasmussen (19:28) When a customer's paying you with a credit card, the system, system, I'll just speak to our system, most others are similar, but when a patient is paying you, whether it's in practice on the device or whether you sent a text to pay or it's an online payment, our system automatically, real time, looks at the number that the patient put in or used on the terminal. And within a half a second, we're looking back at the credit card network before we even charge it, and we say, is this a credit or is this a debit? If the patient is paying with a credit card,   We then pop on the screen, either on their mobile device or on the terminal, we say, hey, we see you're using a credit card. We're going to add 2.99 % as a fee to you for using a credit card. If you want to use a debit card, you will avoid that fee. So in Compliance Surcharging, what I really like about that is that you're not charging us fee across debit and credit, right? You're still giving your patient the convenience of being able to pay with plastic.   Kiera Dent (20:19) Mm-hmm. Mm-hmm.   Mark Rasmussen (20:25) and still use a debit card because the reality is if you have a credit card in your wallet, there's probably 99 % chance you've got a Visa debit card in your wallet as well. And so you're not pulling away that convenience of them being able to pay plastic and just saying, hey, if you want to avoid that fee, pay cash or check. That's kind of archaic. So with compliance surcharging, you are going to offload your credit card fees to the patient, only the credit card fees. When they pay with a debit card, you will still pay for that, okay?   Kiera Dent (20:43) I agree.   Mark Rasmussen (20:55) With doing that with Moolah, if you're going to pay the debit fee and not pay the credit card fee, we see that the overall net effective rate for the practice ends up being below 1%. It ends up being like, I'm going to throw out a weird term that people are going, what the heck is that? It's usually going to be around 75 or 80 basis points. About three quarters of 1 % is going to be your net overall cost, which is huge savings, right? Huge savings.   Kiera Dent (21:07) No.   Crazy, like insane. Just do   some math. If you did a million dollars and you were able to basically save, gosh, so much.   Mark Rasmussen (21:28) No, let's just say,   the reality is you're probably saving one and a half percent. So on a million dollar practice, that practice is gonna put about $15,000 back to their bottom line. Like, and that's it, and it was painless. And you're still not really, yeah, exactly.   Kiera Dent (21:37) Exactly.   And that's also for payments you're already collecting. Like this is already   money we're collecting, we just get to keep more of it rather than having the credit card processing fee.   Mark Rasmussen (21:47) Yes.   And it doesn't need to like, you know, break brain cells for you to try and figure it out. Like the system is going to automatically calculate it. We're going to organize it. ⁓ It's just, it's painless. We're handling it in the PMS correctly. listen, the savings cannot be ignored. Like we talked about the cats out of the bag. You're going to see more businesses across more different verticals. ⁓ And the reality is   We've all been around it for a long, long time, right? Who's been doing it forever? Gas stations, right? We've seen it on there. Cash credit, right? That's been there forever. And we're all used to it. And you also typically see a lot when you're dealing with like state or federal agencies, you ever gone on and make an online tax payment, they usually charge a fee there. So it's just now getting more, you know, ⁓ rolling out. Yeah.   Kiera Dent (22:40) Nail salons for the girls out there. We all know the   nail salons. They'll say like, it's a 3 % charge if you use credit card. I'm like, here's your cash. Like it's clever. They push us to what they want.   Mark Rasmussen (22:49) Yeah, yeah. Yeah, yeah.   So it is listen. So I, I believe in delivering the technology to our clients, I don't have an opinion one way or the other, whatever you feel is good. I will tell you though that I think a lot of practices, especially on the on the one half of the room that are like against it. I think what we're finding is that people are not pushing back as much as   you think they are because consumers are just getting used to it. And again, the fact that at least with our practices, you're still giving your patient the ability to have that convenience and pay with a debit card and not have the fee. If they were doing like the model where they call it, know, cash discount, where you're going to hit the debit card and you're going to hit the credit card, I think you get more pushback on that, but you're still giving that convenience. So yeah, I'm a fan of it. We get, like I said, more and more requests of it. ⁓   It's not going anywhere. yeah, we're here to support your practice. If you guys want to try it out, try it out and listen, here's the thing.   Kiera Dent (23:50) Yeah.   How does it work in practice   though? Like, so someone's standing in front of me at a terminal, I'm collecting money in person. How does this work? Because it's not gonna pop up on my like treatment plan that I just gave them or on my ledger. So how do I do that?   Mark Rasmussen (24:00) Yeah. Yeah. Yeah. Yeah.   It'll pop up on the terminal.   so first thing we do, we give the practices, ⁓ you know, some template messaging and they'll just want to put up something by the front desk. And it says something to the effect of that, you know, this office adds a surcharge when using a credit card, ⁓ not beyond, you know, what our costs are, right? This is not a money, additional money revenue is trying to like, you know, make arbitrage between costs and no, I'm only going to pass off. And so.   Kiera Dent (24:32) Great.   Mark Rasmussen (24:35) the patient is aware of it, they've seen it, and then when they go to use it on the terminal, if they're in practice, when they go to run the credit card, it will pop up on the screen and your team can just show it to the patient, they'll see it, that it's adding it because they're using the credit card. And it'll give them an option if they want to accept it or if they want to back out of it and try again with a debit card and avoid the fee, really easy.   Kiera Dent (24:58) Okay, that's actually really helpful. And now I have a question because I don't know this. How does this work? Because technically the practice is collecting more money, right? Like we are taking the fee plus the credit card fee. ⁓   Mark Rasmussen (25:10) Let's say it's $100 and let's just say we're   adding that surcharge so now it's $103. Okay? Yeah. Yeah.   Kiera Dent (25:14) Right, so that's $3 more per $100 transaction. But   does that impact them in tax? I would think no, because credit card companies still charging us the 3%. Like, how does this work? Are you following what I'm saying? how does this impact you?   Mark Rasmussen (25:26) Yeah, I do. So you   don't have anything else to like, you know, break your brain on that. Our system, first of all, will break out the surcharge in the reporting. Okay. So it's really clean. Furthermore, the addition, the $103, right, like the customer got charged, the patient got charged $103. But our system automatically calculates it, that you have a fee of 3 % and that you surcharge the patient 3%. So the practice is still just going to get the full $100.   Kiera Dent (25:36) Mm-hmm.   Mm-hmm.   Mark Rasmussen (25:56) It's as if they took a cash payment. So it's easy for them. They're not getting 10.99 at the $103, so to speak. It's just still truly only taking $100, which is great.   Kiera Dent (25:57) Gotcha. Okay.   Mm-hmm. ⁓   Yeah, because that's what   I was curious like, and like some things have sales tax. So didn't know like surcharges, do they get taxed differently or is it just like accepting cash, same thing for a practice? Okay. Now, so that's really helpful. And that helps me see on the ledger. So are you guys synced into the PMS for it to say, because like if my ledger says a hundred dollars, but I'm now doing 3 % surcharge on it.   Mark Rasmussen (26:18) Exactly, total amount, total amount, yeah.   Yes.   Kiera Dent (26:35) I'm going to be posting $103. How do I make sure that all of my ledgers match up?   Mark Rasmussen (26:40) So   we'll post $100 in the ledger, okay? And then we'll have a procedure code for the surcharge. And then we'll also have an offsetting so that it doesn't mess up your balance. So you can easily run reports based on the procedure code. I can see what my surcharge is, but it's not messing up and showing that, I took in $103 on this $100 transaction. So your ledger is gonna stay nice and clean.   and not be a nightmare, 100%.   Kiera Dent (27:10) Okay,   because that's I was like, Oh, great. Because there was another office that I heard about. And Mark, I'm just curious about your opinion on this. And then we're gonna get back to this like spicy and thanks for walking through this. There was another practice, I've literally never heard of this before. So I'm curious if you have or if you recommend or don't this practice. So let's say a patient, the total is $100, they pay the $100, the practice literally posted on the ledger.   Mark Rasmussen (27:28) Mm-hmm.   Kiera Dent (27:38) instead of being $100 because now they lost $3, they posted $97 on the ledger and they were taking out the surcharge. Have you ever heard of that? Because I had never heard it. I was, do you recommend that? Because I've never recommended that, right? And I think as a patient, I'd feel really angry though. no, I gave you 100 bucks, but you gave me 97. Like I would just.   Mark Rasmussen (27:48) I haven't.   That seems wonky. Yeah.   Right. Or   continue that on. How about now all of a sudden a week later you go to refund it and we're we're refunding you 97. You're like, no, no, no, I paid you 100. It's gonna be messed up in so many levels.   Kiera Dent (28:09) Right. I was just curious.   I was like, I mean, maybe I'm archaic on how I do this. I used to just do it that way and then accept that that would just be a cost on my PNL. But now there's a way for you to actually offset it with the process. So my question is going back to that, that's actually helpful. Thank you. So if you're doing that, definitely recommend not doing that anymore. ⁓ But I was like, Hey, I've never heard of this. Maybe that is the right way to do the accounting on it. But it felt very messy to me. Now,   Do we as the practice need to put in the surcharge as that procedure code when we're charging that out or does Moolah automatically sync it in and put the surcharge of the procedure code?   Mark Rasmussen (28:48) We have, yeah,   automatically done. There's nothing for you to do. Yeah. So during onboarding, we will set up, we will work with the practice, obviously. We'll make sure that we have a procedure code set up for them. And so during the onboarding, we'll have that so that when you do run a surcharge transaction like that, there's nothing you need to do. It'll all be handled in the ledger correctly.   Kiera Dent (28:51) Amazing. I love it. This is why I said I have a preference on you.   and you're in all softwares. What softwares does Moolah sink into?   Mark Rasmussen (29:10) Yes, so ⁓ Open Dental, ⁓ Dentrix, G7, and ⁓ newer server-based, not Ascend. And we're actually going to be ⁓ releasing, finally, this has been a long time coming, we're finally going live with Eagle Soft ⁓ Beta at end of next week. So Open Dental, Dentrix, and Eagle Soft. Yeah.   Kiera Dent (29:28) Awesome.   That's awesome. Okay, very cool. And   then if you're not in one of those and you can just obviously add this in, it wouldn't be automatically synced. And I think like of those ones though, huge win this way. Okay, now we'll go back to the spicy. I will tell you guys how the room was divided. The room was divided, I'll be right. The do it, don't do it. And then the like, there's a middle ground, which I thought the middle ground was kind of convenient. ⁓ There wasn't, but I did see people like it. I did feel like it was like,   Mark Rasmussen (29:45) Yes.   Was there any physical fighting going on? Okay.   Kiera Dent (30:00) like politics and religion status. Like it was like very cut through the room. I do agree with you. And that's what I said. I was like, you guys, this 2025, this is going to take place in the future and it will be very common. just, think our early adopters going to stay or not. It's your choice. Um, I've always been of the opinion like, no, just bake it into your fee. And now I'm like, well, everybody's starting to charge for it. Like, why not? Um, so it was don't charge for it now. Another was like, no, put it in. People are doing it anyway. And the middle ground, which I thought was   Mark Rasmussen (30:02) Right. Right, right, right.   Kiera Dent (30:30) of a good way to do it is in person. They didn't charge a fee, but any of their online statements, they did charge a fee because they said most people who pay online know there's usually a service fee associated with it. So I thought that was kind of a, an easy way. If you guys are looking for a navigation through it. ⁓ but I think like, honestly, it's just like anything else, train your patients if you want to, but don't feel like you have to, I think it'd just be something to consider. So, but again,   Like get the reduction, like if nothing else, like switch to a processor that's going to be reduced fees anyway. So even if you want to continue offering it, you're still saving on that. Mark, I have one last thing that I wanted to dive into. I'm hearing from a lot of like integrated softwares. So like dental Intel and Flex and some of these other ones that literally make practice lives easier. They're having processors in there that are just integrated right into that. They're using it all the time.   Mark Rasmussen (31:20) Yeah.   Kiera Dent (31:25) How does Moolah play in those worlds? Like, do you get the same pricing? Do we not get the same pricing? Are some of those better because they're already bundled in? Again, I'm putting you on like really awkward topics, but I just want to know. I want to know how does this work.   Mark Rasmussen (31:35) No, no, not at all. So listen, you mentioned Flex. We   love Flex, okay? I love Flex, not just because, yes, they're a partner of ours, right? And yes, your Mool account works beautifully and integrated with Flex. But I love Flex just because I think they're like cut from the same cloth that we are. Like we just, at the end of the day, we want to over-deliver, right? We want to over-deliver, whether it's technology, whether it's value, and they have that mindset. And so I love the Flex team. Full disclosure.   ⁓ And so we've been an integrated partner with Flex for, gosh now, I think three years. So yeah, I think they deliver a ton of value to any open dental practice. So anybody out there for sure should check out Flex. They are amazing. Dental Intel. So we used to be, ⁓ not to bore the audience, but like we used to have an integration with Modento and then Dental Intel acquired Modento.   Kiera Dent (32:33) Yep.   Mark Rasmussen (32:33) and   then Dental Intel wanted to roll up their own integrated credit card processing. And so they have now. so, listen, ⁓ we wish Dental Intel the best, wish them well, but yeah, we're no longer integrated with Dental Intel, but yeah, Flex, we love Flex.   Kiera Dent (32:49) Okay, because I was just curious. Now, I feel if it's bundled, is this a time where offices should just be strategic? I'm not saying anyone's doing it. I haven't looked at it. So I'm not here to like cast judge or I just want to make sure offices are being smart. I would think when they're bundled or they're integrated, offices should still check even using MULA. They should still be watching their credit card statements every single month, right? Like no matter what, just to always make sure things are staying clean and also before we sign up with anybody.   Mark Rasmussen (33:08) Mm-hmm.   100%.   Kiera Dent (33:19) Like literally read the fine print and look for it. Yes. No. I from like, let's just go all the way back.   Mark Rasmussen (33:23) Yeah.   And I would always say that, you know, let's just take the Flex example. Flex has, you and I won't name anything, I'll let you guys out there, you go check it out to yourself, but there are three options. I encourage you, especially when we're talking about a vendor that you're looking at, and especially when this vendor that you're looking at revolves around your cashflow, right? Like it's a pretty integral part of a vendor that you're bringing into your ecosystem. call them, talk to them.   Kiera Dent (33:46) Mm-hmm.   Mark Rasmussen (33:54) Call in the middle of the day. Do they pick up the phone? Do they answer? Can you talk to somebody very easily? Like really pop the hood and take a look at who you're going to get in and do business with, especially when it's, you know, that vendor is like controlling your cash flow on a daily basis. So yes, please you guys out there, do your homework, look at the agreements, ask questions, and see what's right for you. Yeah.   Kiera Dent (34:10) Yeah.   That's awesome. just, again,   I wanted to like go into it because these are things I'm hearing. I'm hearing people say like, this seamlessly integrates. I know you seamlessly integrate. I know you guys are constantly working to refine, to get into more and more practice management softwares to make it easier. Just Mark, as we wrap up, like this has been fun. I love the like, thanks for going into some of the spices with me. ⁓ But just as a quick rundown, like what are some of the features that Moola does? We talked about the membership plans. We did talk about that Dental A Team clients get 10 % basis points less for card present or card not present.   Mark Rasmussen (34:33) Always is.   Yep.   Kiera Dent (34:47) Which to me that alone, I would just look into it and see, like I said, two clients literally saved money by like dumping their contracts and moving over, which I think to me, like before I can have a crush on a company, I test them pretty heavily. So to see the proof in the pudding, I was so just elated and it made me even like you guys more. But what else does Moola do? Because I know you guys do a lot of other things that just make life easy.   Mark Rasmussen (35:05) I love that. yeah, yeah. So   at the end of the day, we do a lot, but it's all payment related and will always be payment related, right? So we're focused on being like, we try to be like the end all be all payment solution for dentists. And so when you look at like, what does a dental office need from a payment perspective, ⁓ it's in practice payments, right? So we provide you guys the physical devices. So   No more having to buy rent or lease those terminals. We're going to include them. you know, not only, yeah, they're wireless. Yeah, they're really cool. Aesthetically, they look really good. Yeah. And, and here's the other great part too, that I think it's kind of underrated ⁓ is of course, not only did we include them. the practice didn't need to buy them, but like normally, you know, with our peers, you have to buy these devices and then you buy them and then it's like one year warranty, right? And then like Murphy's law always kicks in.   Kiera Dent (35:37) They're awesome too. They're portable. They can go back to the hygiene operatories. It's amazing. So your hygienist can take it. Like they're awesome. It's so great.   Mark Rasmussen (36:01) like it loves to do. like, okay, month 14, the device just, you know, went out on you. And then you're gonna sorry, you got to buy another five $600 device with mula you guys will literally never have hardware expense ever because we give them to you on the front end. And we will warranty them forever. As long as you're with us. I don't care four or five, six years. If there's new devices that come out and your guys age out, we're going to replace them. Even if you drop it off the counter and crack the screen.   We don't care, we're gonna replace it for you. There's no fear or premium. So, in practice payments, we have you covered there from a technology standpoint as well as a hardware standpoint. Moving on, there's also, have the ability to, like you were talking about earlier, store patient cards securely tokenized. Nothing's ever touching the practices servers. It's all on our servers, but it's giving you the convenience of having those stored cards for the patient. You can have as many stored cards as you want. You can even send a request to the patient.   before their appointment and the patient from easily from home from their mobile device could add their credit card. And so when they come in, it's already stored and it's available to use. So stored cards, yeah, yeah, yeah.   Kiera Dent (37:07) With that, can I ask, do you guys have   the compliance paperwork? Is there anything you have to do to get a patient to have a stored credit card that we can run for future payments? once insurance pays, because I know that's a big thing of storing cards on file, do you have anything with that? Because I know that this is a zone.   Mark Rasmussen (37:23) Yep. What I...   Yeah, no. So it's very obvious as far as the process of the patient adding the card. Like when you send the message, it says, hey, would you like to securely store your card on file? Right? Beyond that, what I've seen some practices do is just they'll just include it in their overall like new patient intake forms and kind of include it in their terms of service of that. Hey, listen, if you want to store a card on file with us, you can. And you allow, once you store a card, you're giving us the authorization to utilize that card.   Kiera Dent (37:35) Mm-hmm.   Mark Rasmussen (37:51) for other future balances. As simple as that, that's all you need to do.   Kiera Dent (37:54) which is so smart you   guys think about it. This is where so many other industries do this. They have a card on file. I mean, I go to the spa, my cards on file, they run that card when I'm gone, like I authorize it to happen. So they never out of money. They're never chasing money down. Like it just to me makes so much more sense of a way to process.   Mark Rasmussen (38:12) Can you imagine if   Netflix or all the other subscriptions, if they had to wait for a payment every month and wait, come on, no. Subscription is the way, 100%. So, okay, so store card on file they get. The other thing they get is the ability to create and manage in-house payment plans. And of course, automatically post those payments to the ledger. We have some great things where if the payment fails, right? They're into the plan for three months and all of sudden the July payment fails.   Kiera Dent (38:18) No. No.   Yeah.   Mark Rasmussen (38:41) our system will automatically notify the practice, notify the patient, and what's cool is that the software will allow the patient to self-administer and fix it. So the software is not telling the patient, your card failed, call the front desk. No, we're gonna save a phone call there. The software will allow the patient to tell the software, okay, either A, try to charge that card again, or B, they can actually upload a new card on file.   So the cool stat on that is that in failed transactions in our payment plans, we see patients solving it between themselves and software within the first 24 hours at a rate of over 80%, which is huge. So payment plans, and then we talked about earlier, you also get the ability to manage any of your in-house membership or discount plans. ⁓ We have the collecting on a balance when the patient is out of practice, ⁓ sending a payment request either   Kiera Dent (39:20) Holy cow, it's amazing.   Mark Rasmussen (39:37) allocated or unallocated payment request can attach a statement. ⁓ We also have the ability to host a payment page on their website. So if you want to put a little navigation, click here to make an online after hours payment, we'll host that page for the practice. ⁓ So yeah, we really kind of just looked at it a full circle of like, where are all the payment touch points that our practice is dealing with, and just trying to deliver these really amazing tools. And again, as you know, our model.   ⁓ There's never any monthly fees. There's never any set up fees. There's never any annual fees ⁓ All there are these two simple flat rates and again, you can cancel it anytime you want never locked in anything   Kiera Dent (40:18) That's awesome. Mark, I appreciate this so much. How do people, like know they just connect with you, schedule a demo. You guys will look at their credit card processing, see how you guys can fix it. How do they connect with you specifically if they're interested? And specifically The Dental A Team, The Dental A Team, perks.   Mark Rasmussen (40:33) I would recommend and maybe we can list this in the podcast, but there will be a specific Moolah URL. It's like forward slash The Dental A Team They should go there and then they can schedule a demo. And then if they go there, then we're going to know it came from you guys. That way we can get them that 10 basis point savings forever. So just schedule a demo with us and no pressure. We're like the most like   the least salesy organization I think that you guys will ever run into. All we wanna do is inform you. We wanna show you what we have. We're not for everybody. ⁓ But assuming that you guys love what you see, we encourage you to try us out and check us out and see if we're gonna be a great fit for your practice.   Kiera Dent (41:13) Yeah, for sure. You guys, honestly, I love Moolah They're incredible. So on our website, we will link it. So the way you get to Moolah, it's on our website, TheDentalATeam.com. And then you can click on the About Partnerships Mulas right there. ⁓ And the actual, like if you guys want our direct link here, it would be TheDentalATeam.com slash partnerships slash Moolah. And that should take you right to Moolah's page. It's also mula.cc slash partners.   So that helps you guys will also link that in the show notes mark. I appreciate you guys so much Things are being on the podcast things are going through the spicy with me. I appreciate you so much   Mark Rasmussen (41:52) Any time, love you guys, you guys are the best and ⁓ have a great rest of day.   Kiera Dent (41:58) Hey, you too, for all of you listening. Thanks for listening and we'll catch you next time on The Dental A Team Podcast.  

We spend weeks leading up to Shavuot refining our characters. And then we receive G-d's Torah, which asks us to faithfully reflect the light of the Divine in this world. Does the Torah mark a path to self development or self transcendence? What might it look like to be both surrendered and distinctly who we are? * * * * * * *To inquire about sponsorship & advertising opportunities, please email us at info@humanandholy.comTo support our work, visit humanandholy.com/sponsor.Find us on Instagram @humanandholy & subscribe to our channel to stay up to date on all our upcoming conversations ✨Human & Holy podcast is available on all podcast streaming platforms. New episodes every Sunday & Wednesday on YouTube, Spotify, Apple Podcasts, and Google Podcasts.* * * * * * *TIMESTAMPS00:00 - The Gift of the Torah02:50 - Understanding Bitul: Reflecting the Divine 05:57 - The Interplay of Self-Development and Self-Transcendence08:51 - The Role of Rosh Chodesh in Preparing for Receiving the Torah12:04 - Naaseh v'Nishmah: Redefining Our Sense of Self 15:07 - Expanding, Not Shrinking

An “unforced error” is a term borrowed from sports, especially tennis, meaning a mistake made due to one's own lapse rather than being forced by an opponent. In everyday language, it refers to an avoidable mistake or misstep, typically resulting from a lack of attention or care rather than external pressure. Thom and Jess examine one of the most common unforced errors in this podcast: the holy huddle. The post The Holy Huddle: The Unforced Error Series appeared first on Church Answers.

Psalm 111-118

Holy crap! Greg listed his awards!

Send us a textWhat does it mean to truly experience God's Kingdom as a culture? In this powerful exploration, we dive deep into how authentic spiritual experience creates culture that transforms society.The phrase "taste and see that the Lord is good" isn't just scripture to quote—it's an invitation to experience divinity in a tangible, undeniable way. When we truly taste something, it becomes memory, feeling, and revelation woven together. This kind of experience can't be manufactured through hashtags and hype; it must be lived and breathed until it steeps so deeply into the bones of a people that even their silence speaks.God works through generations, each expressing its spirituality in unique cultural forms. Looking back at previous spiritual movements, we see how each generation transformed worship in ways that confused their elders. The generation that introduced jazz in church and was criticized for "disco services" eventually established churches across continents. Now, ironically, that same generation sometimes struggles to understand today's expressions of faith.The current wave of Nigerian gospel music—through artists like Lawrence Oyor, Nathaniel Bassey, and TY Bello—isn't just creating beautiful sounds; it's "terraforming" society by bringing a completely new spiritual atmosphere. These sounds are like trumpet calls preceding divine visitation, so powerful they make you stop everything just to be fully present in the experience.For parents especially, this means allowing children to witness authentic worship. How can children experience the God you describe if they never see you worship, dance, or give sacrificially? Like Isaac who witnessed Abraham's faith firsthand at the altar, our children need to see lived faith, not just hear about it.Join our community across social platforms and be part of this movement that's reshaping culture through authentic Kingdom experience. Subscribe to receive notifications whenever fresh conversations like this become available.Support the showYou can support this show via the link below;https://www.buzzsprout.com/1718587/supporters/new

 Holy shit, you guys, this ship we're fighting sure is a lot better kitted out than we thought. Never fear, our definitely competent crew is for sure up to the task of not dying! If you enjoy the mildly unhinged antics of Stardaddy and his band of merry madpersons, be sure to subscribe on your favorite podcast platform. New episodes hit the feed at midnight Tennessee time every Wednesday. Want even more from Team Meatbag? Check us out online at www.astronomicapodcast.com.  Here you'll find links to all of our social media plus an open invite to our Discord server. Questions, comments, or details on how exactly Connect works? Email them to astronomicapodcast@gmail.com and we'll definitely get back to you sometime this month. And finally, if you just absolutely love us and wish to provide support in a monetary manner, you can find us at patreon.com/AstronomicaPodcast. Not only will you enjoy the warm fuzzy feeling of helping us foot production costs, you'll also find a number of fantastic extra perks plus get bragging rights with all your nerdiest friends. Thanks as always for listening and we'll see ya next week!   Send us a message through this weird thing that didn't exist before but exists now.Support the show

In this powerful Bible teaching from 1 Peter 1:13-16, we explore what it truly means to live a holy life as a Christian. God commands us, "Be holy, for I am holy," and in this video, we break down how to keep your mind focused on Jesus Christ, resist the schemes of the devil, and avoid returning to a life of sin. We emphasize that once a believer knows the truth, they are no longer ignorant of sin and must live in obedience. Learn how the sacrifice of Jesus on the cross empowers you to walk in holiness and how God's grace equips every believer to live a life set apart. Whether you're seeking spiritual growth, biblical teaching, or encouragement to live righteously, this message will challenge and inspire you. #Holiness #ChristianLiving #1Peter #BibleTeaching #BeHoly #FaithInChrist #SpiritualGrowthDon't forget to subscribe to the podcast and follow us on Facebook also leave us a review If You Like To donate to this podcast you can through cashapp or email us at brothersjustsearchingpodcast@gmail.com for more infoAnything is appreciated Cashapp infoBJSmediaThis podcast is brought to you by BJS MEDIA. A christian media production from the swamps of Louisiana. Teaching THE WORD OF GOD (The Bible) and discussing religion, cults, and other world events.

Be Ye Holy pt.3

This sermon explores the idea that God remembers individuals, particularly during times of waiting, suffering, or feeling overlooked. Drawing on biblical examples such as Noah, Hannah, and the thief on the cross, the message asserts that God's "remembering" signifies His imminent action and response to His people's circumstances. The sermon emphasizes that believers are not forgotten, being deeply significant to God and engraved on His hands. It encourages perseverance through continued trust, prayer, service, and hope while waiting for God's perfect timing, ultimately assuring the listener of God's constant awareness and care.

2 Sam 12:1-31, John 16:1-33, Ps 119:65-80, Pr 16:4-5

REFLECTOR- JenMUSIC- Holy, Holy, HolyPRAYERTo You, do I belong O GodInto Your hands I surrender my life.Pour out Your Spirit upon methat I may love You perfectly,and serve You faithfullyuntil my soul rests in You.NOTES- 

Heaven is holy. The Holy of Holies was filled the holiness of God. And God wants holy homes. It begins with holy courting and a holy marriage.

Stop hopping from YouTube video to YouTube video & have your entire summer of workouts planned for you: (for just $15/month) https://brittany-pearson-0916.mykajabi.com/joinus-c314ce99-4585-4cae-b251-ccae6f397184Start losing fat NOW with this FREE guide: https://mailchi.mp/fbd438cb9e15/free-macro-downloadTry my FREE 3 Day Pregnancy Workout Challenge here:https://mailchi.mp/3544a2978243/threedaypregnancyprogramGet the FREE GUIDE to Exercising Postpartum!https://mailchi.mp/4e93de16eeaf/q047rmh7veMy pregnancy and postpartum programs are ALWAYS available right here:https://www.healthycatholicmoms.com/services/Shop Healthy Catholic Moms merch here! Mugs, shirts, and more...https://www.healthycatholicmoms.com/shop/Join my email list here: https://www.healthycatholicmoms.com/____________________________________________________________________________________Schedule a 30 minute coaching call with me here:https://www.healthycatholicmoms.com/services/____________________________________________________________________________For recipes, workouts, and tips- follow me on:Instagram: https://www.instagram.com/healthycatholicmoms/Facebook: https://www.facebook.com/healthycatholicmomsEmail: brittany@healthycatholicmoms.com

As the Tsankov regime cracks down even harder on leftists, the underground communist movement strikes back with horrific consequences. Supporters like you make this podcast happen! Check out www.patreon.com/bulgarianhistorypodcast to see the great perks you can get for supporting us. You can find images for this episode at: www.bghistorypodcast.com/post/232-holy-sunday

1 Chronicles 26-29, Psalm 127

"In the reign of the wicked Emperor Maximilian, there lived in Alexandria a maiden, Theodora, well-educated and of noble lineage. She was brought to trial before the pagans for her Christian faith. After long interrogation and torture for the Faith, the prince, her tormentor, ordered that she be thrown into a brothel and the soldiers given free access to her to indulge their carnal lusts. Theodora prayed fervently to God to save her from defilement, and, when she had prayed, a soldier called Didymus came in to her and told her that he was a servant of Christ. He dressed her in his soldier's garb and himself in her dress, then let her out and remained in the brothel himself. He was seized and brought before the judge, where he acknowledged that he was a Christian and had saved Theodora, and was now prepared to die for Christ. He was condemned to death and taken out to the place of execution. Theodora ran up to him there and cried out: 'Although you saved my honour, I did not ask you to save me from death. Yield the martyr's death to me!' Didymus replied: 'My beloved sister, do not hinder my death for Christ, nor the washing of my sins in my blood.' Hearing this exchange, the pagans condemned them both to death, and they were beheaded and their bodies burned. They suffered with honour and received eternal wreaths of glory in Alexandria in the year 304." (Prologue)

Key Verse: Psalm 99:5 - Exalt the LORD our God; worship at his footstool! Holy is he!

1 Peter 2:18-25

Be Ye Holy pt.2

2 Sam 9:1-11:27, John 15:1-27, Ps 119:49-64, Pr 16:1-3

Sleep better and Stress Less— with Abide, a Christian meditation app that provides a biblically grounded place to experience peace and progress in your relationship with Christ. We hope this biblical sleep meditation, narrated by Tyler Boss, helps your body relax and your mind rest on the truth found in scripture. God has fulfilled His promises in the past and will continue to fulfill them in the future. Let this story lead you into deep, peaceful sleep as you remember God’s answer is always “Yes” in Christ Jesus. For a 30 day free trial of our premium ad-free content, your trusted friend for better sleep is right here: https://abide.com/peaceDiscover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us

In this episode, I sit down with Brittany Broaddus-Smith—a Christian sexologist and the bold, brilliant founder of The Intimacy Firm—for an eye-opening conversation at the intersection of faith, sexuality, and healing. We dive into taboo topics often brushed aside in the church, including the legitimacy of soul ties, the emotional confusion they can bring, and why over-spiritualizing these concepts can cause more harm than good. Brittany keeps it all the way real, offering clarity, nuance, and a path to healing that doesn't require abandoning your faith. We also explore how millennials are redefining their relationship with the church, why many are stepping away, and what it would take to bring them back. Brittany shares her thoughts on creating church spaces that support open conversations about sexuality, pleasure, and identity—with no judgment attached. We also discuss:

Psalm 131, Psalm 138-139, Psalm 143-145

Psalm 131, Psalm 138-139, Psalm 143-145

He was born in Thessalonica and, though baptised a Christian, he accepted Islam as a young man, eventually becoming a Sufi (one of a mystical sect among the Muslims). But in time he began to repent, and concluded that martyrdom was the only way for him to cleanse himself from the stain of his denial of Christ. Having repented, he presented himself to the Turks dressed as a Christian. He was thrown into prison and tortured, but in response to every enticement, threat or torment, he would only say 'I was born a Christian, and as a Christian I shall die.' Finally he was sentenced to death, which Alexander joyfully accepted as a sign of God's forgiveness. He was slain by the sword in Smyrna in 1794.

2 Sam 7:1-8:18, John 14:15-31, Ps 119:33-48, Pr 15:33

2 Sam 7:1-8:18, John 14:15-31, Ps 119:33-48, Pr 15:33

Community Prayer and Encouragement

Community Prayer and Encouragement

2 Sam 4:1-6:23, John 13:31-14:14, Ps 119:17-32, Pr 15:31-32