Podcasts about Ascend

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.  

Ascend: Week 18 - Embrace Same / Pastor Jeff Bowman by Hope City Church

Ascend: Week 19 - Christ's Ascension / Pastor Jeff Bowman by Hope City Church

Cody Carpentier and Trashman go over 9 running backs they believe could ascend to Top 10 dynasty status in 2025 fantasy football leagues. ----------------Join RosterWatch Nation TODAY to support your boys.Go PREMIUM for Weekly, Dynasty and Best Ball Rankings plus DFS Tools and MORE -- https://rosterwatch.com/buy-rosterwatchFollow us on Twitter -- https://www.x.com/RosterWatchFollow on Instagram -- https://www.instagram.com/rosterwatch/----------------RosterWatch is your year-round source for the best Fantasy Football analysis, including updates LIVE from Training Camp, The NFL Combine, Pro Days, and the Senior Bowl and Shrine Bowl.----------------Subscribe to the podcast:iTunes -- https://podcasts.apple.com/us/podcast/rosterwatch-podcast/id493875129?mt=2Spotify -- https://open.spotify.com/show/2jWDOZcppg9uYVaAWA7YdM?si=0b9aeaa77ae24316&nd=1&dlsi=1b5923c3f21b43c7iHeartRadio -- https://www.iheart.com/podcast/269-rosterwatch-podcast-48874884/RosterWatch PRO offers the best toolset available to help you win your fantasy football league. What is RW PRO?* A full season of fantasy football power tools designed to make winning easy and fun.* Year-round NFL player analysis.* Exclusive live off-season coverage from all major NFL scouting events.Support this podcast at — https://redcircle.com/rosterwatch-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Host Jeremy C. Park talks with Tosha Price, Business Development Manager with Ascend Federal Credit Union, who leads their financial education efforts across Middle Tennessee and highlights both the largest credit union in Middle Tennessee and their mission to serve by offering financial literacy education and giving back to the community in a variety of ways. With more than 250,000 members and more than $4.4 billion in assets, Ascend Federal Credit Union is the largest credit union in Middle Tennessee and one of the largest federally chartered credit unions in the United States. Based in Tullahoma, Tennessee, the member-owned financial institution offers banking, loan, retirement, and investment services from its 28 branches, more than 55,000 free ATMs worldwide, digital banking portal, and mobile app.During the interview, Tosha discusses the importance of providing financial literacy education in the community. She explains the difference between a bank and a credit union, emphasizing that credit unions are not-for-profit and focus on people helping people. She highlights the financial literacy programming offered by Ascend Federal Credit Union, including online modules, calculators, and workshops. Tosha also mentions their initiative, Bonsai, which provides financial education to K-12 students. She emphasizes the importance of budgeting, building a credit score, and using credit cards wisely.Tosha discusses the importance of using credit cards responsibly, emphasizing that they are loans and not personal funds. She highlights the average interest rate on credit cards is 20%, and advises to always pay the balance off to avoid extra interest charges. She also mentions the availability of college student credit cards with lower interest rates. When it comes to tips for improving credit scores, Tosha suggests paying off debts and diversifying credit types, rather than accumulating multiple credit cards. She also warns against the misconception that paying regular bills like rent or utilities improves credit scores, as only loan payments are reported positively.Tosha emphasizes the importance of prioritizing savings by paying oneself first and starting small. She suggests having a separate savings account to avoid easy access to funds. She also highlights the benefits of credit unions, such as higher dividends, rewards checking accounts, and more lenient lending practices.Visit https://ascend.org to learn more about Ascend Federal Credit Union.

At 79, this aspiring man lends his talents for spiritual awakening, focusing on the demographic of Gen Z. In the show, we talk about his share of hardships/experiences (wow), Mt. Shasta, the New Earth, Jesus in combo with Buddha, angels, Reiki, the power of thoughts, the photon belt plus I AM... AND much more.In the "Just Be Practice," Kenji gives several mentoring words of wisdom for us to carry in this time of great ascension.Connect with Kenji:http://www.kenjikumara.comKenji's free 2-month offering:https://kenjikumara.com/joyful-creations-academy-membership/Join his Joyful Creations Academy as a Sacred Space where we gather once a week, and we can together experience deep healing, tap into our own wisdom/consciousness, and reconnect with the expansiveness that we each hold.   You'll receive access to:Live Circle Meetings – Every Thurs, connect with like-minded souls for group healings, activations and insights. Guided Activations/Meditations – Shift your energy, align with your higher self and awaken new possibilities. Exclusive Teachings/Quantum Practices – Access high-vibrational tools. Supportive Community – Be part of a group of conscious seekers and practitioners who are on the path of self-discovery.Every month: · A live and interactive Q&A · 1:1 mentoring/coaching · Joyful Connection Gatherings · Activations/meditations (step out of the matrix!)This is your chance to explore the academy at no cost for two full months—a rare opportunity to experience the depth of this work before making any commitment. *Host Eden Koz is a soul realignment specialist utilizing such gifts as psychological empathy, intuition, psychic ability, mediumship, meditation, mindset shift, Reiki, dimensional and galactic healing, to name a few. She can also perform a spiritual Co#id Vac+ Healing as well as remote & face-to-face sessions with individuals and groups. Contact info for Eden Koz / Just Be®, LLC:Website: EdenJustBe.com Socials: Insta, FB, FB (Just Be), LinkedIn Just Be~Spiritual BOOM Podcast can be found on the audio directories: Apple Podcasts, Spotify, Amazon Music, Stitcher, iHeart Radio, TuneIn+Alexa, ...

ASCEND 3 || "There?" (Psalm 122), by Todd Hostetter, May 18, 2025. Visit summitwestolive.org for more info about SUMMIT CHURCH in West Olive, MI.

Elevate Together: Helping Others Through Forgiveness & Compassion In this YouTube live for the Soul Elevation Podcast, I explore the importance of helping others ascend spiritually while working on our own spiritual growth. How does every action, even small ones, contribute to the collective elevation.  I share personal experiences of quantum connection, illustrating how individual progress can impact others. I invite you to consider the power of forgiveness and compassion in releasing judgment and anger to expand our consciousness.  Get the New Earth meditation: https://www.karagoodwin.com/funnel/65489/new-earth-meditation  Join the Energy Reset workshop: https://www.karagoodwin.com/energetic-reset-workshop  Check out Shawn Leonard's amazing episode: https://www.youtube.com/watch?v=ocK5mNuDhYY&feature=youtu.be  Blessings to you on this empowering and enlightening journey to elevate both yourself and humanity. Timestamp: 00:00 Welcome to the Soul Elevation Podcast 00:27 Helping Others Ascend 02:21 Quantum Connections and Spiritual Impact 06:12 The Power of Forgiveness 09:06 Expanding Your Spiritual Evolution 11:06 Utilizing Divine Help 13:40 Upcoming Events and Resources 15:21 Final Blessings and Farewell #spiritualpodcast #spiritualascension #ascension #ascensionprocess #ascensiontalks  Connect with me: https://www.soulelevationpodcast.com https://www.karagoodwin.com Instagram: https://www.instagram.com/kara_goodwin_meditation Facebook: https://www.facebook.com/karagoodwinmeditation LinkedIn: https://www.linkedin.com/in/karagoodwinmeditation/

Ascend: Week 17 - The Rock of Escape / Pastor Jeff Bowman by Hope City Church

Cody Carpentier and Trashman go over 7 Players Who Can Ascend Into ‘Top 10 WR' Dynasty Fantasy Football Status----------------Join RosterWatch Nation TODAY to support your boys.Go PREMIUM for Weekly, Dynasty and Best Ball Rankings plus DFS Tools and MORE -- https://rosterwatch.com/buy-rosterwatchFollow us on Twitter -- https://www.x.com/RosterWatchFollow on Instagram -- https://www.instagram.com/rosterwatch/----------------RosterWatch is your year-round source for the best Fantasy Football analysis, including updates LIVE from Training Camp, The NFL Combine, Pro Days, and the Senior Bowl and Shrine Bowl.----------------Subscribe to the podcast:iTunes -- https://podcasts.apple.com/us/podcast/rosterwatch-podcast/id493875129?mt=2Spotify -- https://open.spotify.com/show/2jWDOZcppg9uYVaAWA7YdM?si=0b9aeaa77ae24316&nd=1&dlsi=1b5923c3f21b43c7iHeartRadio -- https://www.iheart.com/podcast/269-rosterwatch-podcast-48874884/RosterWatch PRO offers the best toolset available to help you win your fantasy football league. What is RW PRO?* A full season of fantasy football power tools designed to make winning easy and fun.* Year-round NFL player analysis.* Exclusive live off-season coverage from all major NFL scouting events.Support this podcast at — https://redcircle.com/rosterwatch-podcast/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

ASCEND 2 || "Afraid?" (Psalm 121), by Jasper Swaney, May 11, 2025. Visit summitwestolive.org for more info about SUMMIT CHURCH in West Olive, MI.

Psalm 24 ( Text vs 3 )

What a true soul. I always ask listeners to be discerning, yet I feel Jewels is real deal. And, I believe this show is so important as it creates a huge step in consciousness and discovery. From her interesting growing up story, to hallucinogenics, DMT, cell ascension, intelligence of source, form into frequency, the flower of life, 5th level consciousness, code of nutrients, moving into remembering, telomeres and more... wow. YOU wanna think? This is your show. YOU wanna feel? This is your show. YOU wanna evolve. Oh, heck yes, this is your show!Jewels does an exercise in the middle with a sunflower. Amazing... yet her "Just Be Practice" at the end brings in activation codes. They are visual however in this audial version of the podcast, you don't need to see them.Connect with Jewels Arnes:Website: https://becomingbioquantum.comInstagram: @BecomingBioQuantum Facebook: @BecomingBioQuantum YouTube: https://www.youtube.com/@jewelsarnes*Host Eden Koz is a soul realignment specialist utilizing such gifts as psychological empathy, intuition, psychic ability, mediumship, meditation, mindset shift, Reiki, dimensional and galactic healing, to name a few. She can also perform a spiritual Co#id Vac+ Healing as well as remote & face-to-face sessions with individuals and groups. Contact info for Eden Koz / Just Be®, LLC:Website: EdenJustBe.com Socials: Insta, FB, FB (Just Be), LinkedIn Just Be~Spiritual BOOM Podcast can be found on the audio directories: Apple Podcasts, Spotify, Amazon Music, Stitcher, iHeart Radio, TuneIn+Alexa, ...

In this episode of Life Accelerated, host Olivier LaFontaine welcomes Joe Maringer, SVP and National Sales Manager at MassMutual Ascend to explore how annuity distribution is being reshaped by digital transformation and shifting market dynamics. Joe discusses how MassMutual Ascend is adapting to today's market by investing in technology to streamline advisor workflows, simplify purchases, and enhance in-force management. He shares insights from overcoming operational challenges during a rebrand and improving customer experience. Joe also highlights the role of AI and predictive analytics in enabling faster customer authentication, smarter call routing, and proactive service models. Beyond technology, Joe reflects on the human side of the business, emphasizing the importance of building long-term trust with distribution partners and clients. By focusing on both digital innovation and personal connection, MassMutual Ascend is positioning itself as a leading force in a competitive and growing annuity market. Key Takeaways: Streamlining the advisor experience is critical to unlocking future annuity growth. Operational resilience and strong partnerships create lasting competitive advantage. AI adoption should enhance human relationships, not replace them, in financial services. Jump Into the Conversation: (00:00) Streamlining annuity execution and why digital visibility is everything (00:45) Meeting the new annuity customer: Higher expectations and digital experiences (03:00) How MassMutual Ascend evolved through focus, acquisition, and rebranding (06:59) Navigating volatility: Why guaranteed income is gaining renewed attention (12:19) Making annuities easier to buy: Consolidating the financial advisor workflow (18:11) Lessons from 2022: How operational stress led to better service models (25:11) Enhancing the advisor experience with real-time dashboards and self-service tools (34:03) Leveraging AI for faster customer authentication and predictive call routing (39:07) Why human advice still matters in the age of automation and robo-advisors (42:30) MassMutual Ascend's growth outlook: Building loyalty through better experiences Resources: Connect with Joe Maringer: https://www.linkedin.com/in/joe-maringer-4965304/ Check out MassMutual Ascend: https://www.massmutualascend.com/ Connect with Olivier: https://www.linkedin.com/in/olivierlafontaine/   

You want proof, of my truth?

Welcome to Sales & Cigars, the sales podcast where the only smoke we blow is from cigars. On  today's episode, Walter is joined by returning guest Nate Tutas to explore a concept Nate calls  the "core four." This framework is designed to help entrepreneurs and business owners scale  effectively while avoiding the common pitfall of chasing shiny distractions. The episode is a  candid conversation about strategy, focus, and execution.   To begin, Nate shares insights from his current packed schedule, including involvement in  multiple masterminds, coaching, and training for high-profile platforms He also discusses a  personal growth goal achieved: traveling with his wife and daughter, and the recent loss of their  Siberian Husky. The conversation then shifts to recommended reading, specifically 38 Letters  from J.D. Rockefeller to His Son, a book that deeply impacted Nate's perspective on leadership,  values, and legacy. He reflects on Rockefeller's emphasis on responsibility, integrity, and the  value of healthy competition, noting that the oil magnate never took rivalries personally but  instead saw them as opportunities for mutual growth.   The discussion leads into the idea that these timeless business philosophies are still highly  relevant today. Nate shares the catalyst moment behind creating the Core Four framework—a  system to help entrepreneurs stay focused and scale more effectively. Nate and Walter dive  deeper into the emotional challenges of building a business, especially around the initial “attract”  phase of the Core Four framework. Walter shares his own struggles with consistently drawing in  the right audience, admitting that figuring out the best vehicle to deliver his message has been  frustrating. This discomfort is common and closely tied to the slow, unpredictable nature of  marketing success and can manifest as frustration, tempting entrepreneurs to shift focus  prematurely. Nate reiterates that lasting success requires staying in the discomfort long enough  to complete and refine the system. Whether it's wealth, health, or relationships, the same  principles apply: stick with the process, resist the urge to start over, and avoid quick fixes. This  mindset shift is essential for mastering the attraction stage and setting up a scalable business.   Finally, Nate emphasizes the importance of sticking with discomfort in order to grow, sharing  how consistency is key to progress. He introduces his Core Four framework (Attract, Acquire,  Ascend, Automate), explaining that many entrepreneurs struggle because they use too many  strategies in each area. His upcoming program at unlockmv.com will guide participants to focus  on one clear method per area to create a streamlined, effective customer journey. The episode concludes with a reminder that clarity and consistency drive business success, and Nate shares that his content will now primarily live on YouTube for easier access.   The 4 A's: Scale your business regardless of your size  1. Attract  2. Acquire (information + Purchase)  3. Ascend (immediate, long term)  4. Automation    Key Episode Points:  • "Distraction is your enemy."  • The 4 A's works for Solopreneurs and Large teams. • You have get uncomfortable with the uncomfortable. • Sometimes uncomfortable feels like frustration. • Be careful not to diminish the focus of your teams  More About Mind Vault  More About Nate  More About Walter  More Episodes of Sales & Cigars     Podcast Offer:  www.unlockmv.com

El mes pasado el Gobierno estadounidense impuso nuevas restricciones a las exportaciones de chips de inteligencia artificial de Nvidia, concretamente el modelo H20, con el objetivo expreso de limitar el acceso de empresas chinas a esta tecnología. Estas medidas exigen que Nvidia solicite una licencia especial para vender el H20 en China. Esto afecta a su acceso a uno de los mercados tecnológicos más grandes, pero también un importante competidor de Estados Unidos en la carrera por la IA. Se estima que el cumplimiento de estas restricciones le costará a Nvidia unos 5.500 millones de dólares, lo que ha provocado que su acción en Bolsa cayera un 6% tras el anuncio y mucha inquietud en la industria de semiconductores, muy dependiente de las exportaciones a China. Aunque Nvidia, valorada en casi 3 billones de dólares, puede absorber sin problemas semejante impacto en sus cuentas, las restricciones indican que Estados sigue esforzándose en frenar el desarrollo de la IA en China y mantener así su ventaja tecnológica. Pero la efectividad de estas medidas es cuestionable. China ha avanzado de forma sostenida en este campo tal y como demuestra el lanzamiento a principios de año del modelo DeepSeek-R1, que rivaliza con tecnologías estadounidenses como las de OpenAI. DeepSeek se entrenó con chips H800 y H20 de Nvidia adquiridos legalmente antes de las restricciones de 2023, pero la industria china también está avanzando en eso. Empresas como Huawei se han metido de lleno en el desarrollo de semiconductores con el objetivo de fabricar chips similares a los de Nvidia. El hecho es que Nvidia diseñó el H20 como respuesta a las prohibiciones previas sobre el H800, que a su vez fue una adaptación a restricciones anteriores. Este patrón de adaptación y nuevas restricciones evidencia la dificultad de contener el avance chino. Las GPU de Nvidia, esenciales para entrenar modelos de IA como ChatGPT, Gemini o Grok, son el objetivo prioritario de los legisladores desde hace años. Tanto Biden como Trump han hecho todo lo posible por impedir que esta circuitería llegue a China, y no tanto por los modelos civiles como por el uso que se les pueda dar en el ámbito militar. Pero, a pesar de las restricciones, las empresas chinas no han hecho más que innovar. Huawei está desarrollando chips como el Ascend 910c y el 910d, que tratan de igualar a los de Nvidia. Además, antes de que entrasen en vigor las nuevas medidas, las empresas chinas adquirieron más de un millón de de unidades de la H20 por las que pagaron 16.000 millones de dólares. La capacidad de adaptación de chinos es proverbial tal y como se pudo comprobar con DeepSeek. Para algunos analistas el avance chino es tal que se encuentran a sólo tres meses de igualar a Estados Unidos en ciertas tecnologías de IA. Las restricciones, aunque ralentizan el acceso chino a tecnología estadounidense, tienen costes importantes para empresas como Nvidia y podrían debilitar la posición de Estados Unidos a largo plazo. Al restringir las exportaciones, las empresas estadounidenses podrían perder cuota de mercado e ingresos para investigación, algo que podrían compensar con otros mercados como el japonés o los europeos, pero el proyecto de Biden que clasificaba a los países por niveles de acceso a tecnología estadounidense ha quedado a medio hacer. Trump aún no ha definido su postura al respecto. Por último, burlar estas restricciones es relativamente sencillo, como se ha visto con sanciones a otros países. Esto, combinado con la determinación china de avanzar en IA, invita a pensar que las medidas estadounidenses podrían ofrecer solo una ventaja temporal, eso sí, a un alto coste económico y estratégico. En La ContraRéplica: 0:00 Introducción 4:10 La batalla de la IA 29:38 La falsa disyuntiva del apagón 38:44 Hackeo a centrales fotovoltaicas 44:38 El cónclave · Canal de Telegram: https://t.me/lacontracronica · “Contra la Revolución Francesa”… https://amzn.to/4aF0LpZ · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #inteligencia artificial #ia Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

El mes pasado el Gobierno estadounidense impuso nuevas restricciones a las exportaciones de chips de inteligencia artificial de Nvidia, concretamente el modelo H20, con el objetivo expreso de limitar el acceso de empresas chinas a esta tecnología. Estas medidas exigen que Nvidia solicite una licencia especial para vender el H20 en China. Esto afecta a su acceso a uno de los mercados tecnológicos más grandes, pero también un importante competidor de Estados Unidos en la carrera por la IA. Se estima que el cumplimiento de estas restricciones le costará a Nvidia unos 5.500 millones de dólares, lo que ha provocado que su acción en Bolsa cayera un 6% tras el anuncio y mucha inquietud en la industria de semiconductores, muy dependiente de las exportaciones a China. Aunque Nvidia, valorada en casi 3 billones de dólares, puede absorber sin problemas semejante impacto en sus cuentas, las restricciones indican que Estados sigue esforzándose en frenar el desarrollo de la IA en China y mantener así su ventaja tecnológica. Pero la efectividad de estas medidas es cuestionable. China ha avanzado de forma sostenida en este campo tal y como demuestra el lanzamiento a principios de año del modelo DeepSeek-R1, que rivaliza con tecnologías estadounidenses como las de OpenAI. DeepSeek se entrenó con chips H800 y H20 de Nvidia adquiridos legalmente antes de las restricciones de 2023, pero la industria china también está avanzando en eso. Empresas como Huawei se han metido de lleno en el desarrollo de semiconductores con el objetivo de fabricar chips similares a los de Nvidia. El hecho es que Nvidia diseñó el H20 como respuesta a las prohibiciones previas sobre el H800, que a su vez fue una adaptación a restricciones anteriores. Este patrón de adaptación y nuevas restricciones evidencia la dificultad de contener el avance chino. Las GPU de Nvidia, esenciales para entrenar modelos de IA como ChatGPT, Gemini o Grok, son el objetivo prioritario de los legisladores desde hace años. Tanto Biden como Trump han hecho todo lo posible por impedir que esta circuitería llegue a China, y no tanto por los modelos civiles como por el uso que se les pueda dar en el ámbito militar. Pero, a pesar de las restricciones, las empresas chinas no han hecho más que innovar. Huawei está desarrollando chips como el Ascend 910c y el 910d, que tratan de igualar a los de Nvidia. Además, antes de que entrasen en vigor las nuevas medidas, las empresas chinas adquirieron más de un millón de de unidades de la H20 por las que pagaron 16.000 millones de dólares. La capacidad de adaptación de chinos es proverbial tal y como se pudo comprobar con DeepSeek. Para algunos analistas el avance chino es tal que se encuentran a sólo tres meses de igualar a Estados Unidos en ciertas tecnologías de IA. Las restricciones, aunque ralentizan el acceso chino a tecnología estadounidense, tienen costes importantes para empresas como Nvidia y podrían debilitar la posición de Estados Unidos a largo plazo. Al restringir las exportaciones, las empresas estadounidenses podrían perder cuota de mercado e ingresos para investigación, algo que podrían compensar con otros mercados como el japonés o los europeos, pero el proyecto de Biden que clasificaba a los países por niveles de acceso a tecnología estadounidense ha quedado a medio hacer. Trump aún no ha definido su postura al respecto. Por último, burlar estas restricciones es relativamente sencillo, como se ha visto con sanciones a otros países. Esto, combinado con la determinación china de avanzar en IA, invita a pensar que las medidas estadounidenses podrían ofrecer solo una ventaja temporal, eso sí, a un alto coste económico y estratégico. En La ContraRéplica: 0:00 Introducción 4:10 La batalla de la IA 29:38 La falsa disyuntiva del apagón 38:44 Hackeo a centrales fotovoltaicas 44:38 El cónclave · Canal de Telegram: https://t.me/lacontracronica · “Contra la Revolución Francesa”… https://amzn.to/4aF0LpZ · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #inteligencia artificial #ia

Luego ya os explico qué ha pasado. Vamos a ponernos al día con lo que ha ocurrido estos meses.

Devotion : Who Will Ascend? / Psalm 14-15 by Community Lutheran Church

Ascend: Week 15 - A Horizontal Check Up / Pastor Jeff Bowman by Hope City Church

Ascend: Week 16 - Do You See What God Sees? / Pastor Jeff Bowman by Hope City Church

Welcome to the Grace in Focus podcast. Today, Bob Wilkin and Ken Yates are answering a question from Peter's famous Pentecost sermon (Acts 2:34) about the disposition of David. Did David ascend into Heaven from Hades, or is he still there? What else can we learn from this passage? Keep grace in focus!

Send us a textWalker Ferguson, a standout student-athlete from Wake Forest, joins us to share his incredible journey of entrepreneurship and sports. Growing up with self-employed parents, Walker developed a strong entrepreneurial spirit that led him to co-found a meditation app specifically for student-athletes. Together, we explore how his Spanish class project transformed into a fully-fledged app, and how the partnership with his college roommate, Hampton Tanner, was pivotal in turning challenges into opportunities.Balancing the rigorous demands of sports, academics, and a startup is no easy feat. Walker opens up about the discipline and sacrifices required to manage meetings, practice, and development while maintaining his academic pursuits. He offers insights into the mental fortitude necessary to keep moving forward, highlighting strategies like positive self-talk and a clear sense of purpose. We also tackle the unexpected hurdles of entrepreneurship, from funding to legal complexities, and emphasize the importance of supportive relationships and a trustworthy business partner.As we look toward the future, Walker shares his vision for the app Ascend, which aims to enhance mental performance for student-athletes with the help of AI. His aspirations extend beyond personal success, aiming to leave a legacy of giving more than taking. We wrap up the episode by reflecting on the power of leadership and teamwork, inspired by lessons from both sports and business. Join us to discover how Walker's story can motivate you to achieve your full potential.https://ascendmeditations.app/Support the showThanks for listening & being part of the Mindset Cafe Community.----------------------------------------------Connect With Devan:https://www.devangonzalez.com/connect----------------------------------------------Follow On Instagram https://www.instagram.com/devan.gonzalez/https://www.instagram.com/mindsetcafepodcastLet me know what topics or questions you want covered so we can help you achieve your goals faster.----------------------------------------------P.S. If you're not already a part of the The Mindset Cafe Community Page I would love to have you be a part of the community, and spread your amazing knowledge. The page is to connect and network with other like minded people networking and furthering each other on our journeys!https://www.facebook.com/groups/themindsetcafe/

28th April: Blockchain DXB podcast

In this episode, we discuss OSTP Director Michael Kratsios's recent speech on US technology policy at the Endless Frontiers Retreat (0:19), the Trump administration's decision to control the Nvidia H20 chip (10:48), and what Huawei's announcement of the Ascend 920 chip means for U.S.-China AI competition (18:24).

Send us a textThe scale of consciousness might be the most powerful framework for understanding your personal growth journey that you've never fully explored. From the lowest vibrations of apathy and shame to the transcendent heights of love and super consciousness, this episode maps the entire spectrum of human experience—and shows you exactly how to climb higher.We begin by exploring the paradox of suggestibility—how being open to influence is both your greatest strength and potential weakness. The ability to program your own subconscious is powerful, but it also leaves you vulnerable to others projecting their limitations onto you. This becomes particularly relevant in coaching relationships, where the highest form of guidance often tests your mental fortress rather than simply offering direction.The core of our exploration examines Frederick Dodson and Dr. David Hawkins' scale of energy frequencies, ranging from 0-1000. Each emotional state corresponds to a specific vibration, with everything below 200 considered "lower frequency" energy that feels dense and heavy in the body. We walk through each level—from apathy and shame at the bottom, through fear, anger, and pride, into the higher realms of reason, love, peace, and ultimately, super consciousness.What makes this framework so fascinating is that to ascend from one level to the next, you must first access the emotion directly above you on the scale. To escape shame, you step into fear. To transcend fear, you must access anger. This counterintuitive process explains why spiritual growth often feels uncomfortable before it feels transcendent.The higher frequencies (500+) represent states of true freedom—where creation flows effortlessly, peace permeates regardless of external circumstances, and ultimately, where the boundaries between self and universe dissolve entirely. These are the domains where masters like Christ and Buddha operated, speaking and acting from a place of divine connection.Your journey isn't about fixing what's broken—it's about returning to your natural high-frequency state by removing the blockages created through unconscious living. Join our community of creators and entrepreneurs at 8amapp.com who are committed to vibrating higher together. Support the showConnect with me on IG: https://www.instagram.com/arlinwww.8AMapp.com

Send us a textWhat if you could lead a growing team, scale your startup, and stay grounded in your values—before even graduating college? In this episode of the Catalytic Leadership Podcast, I talk with Walker Ferguson, a Division 1 athlete and co-founder of the AI-driven wellness app Ascend, about what it really takes to lead without a title, manage a team without coding skills, and build a culture-first company under pressure.Walker shares his leadership framework rooted in servant leadership, values-based hiring, time-blocking, and personal discipline—principles that agency owners and startup founders alike can implement to scale their businesses with intention. We explore how losing his lead developer became a turning point, the role faith and mindfulness play in his day-to-day, and how the GREAT team culture framework keeps his mission aligned.Connect with Walker Ferguson:Want to learn more about Walker's mission and how Ascend is helping people live happier, healthier lives? Connect with him directly at walkerferguson@ascendmeditations.app and explore the app at ascendapp.aiBooks Mentioned:Good to Great by Jim CollinsThe 7 Habits of Highly Effective People by Stephen R. CoveyThe Bible (Proverbs, New Testament)Think and Grow Rich by Napoleon HillThe Psychology of Winning by Denis WaitleyBecoming Supernatural by Dr. Joe DispenzaHow to Win Friends and Influence People by Dale CarnegieThe Speed of Trust by Stephen M.R. Covey Right now, you can get an extra 20% off your ticket for the Scale with Stability Summit with my exclusive code CATALYTIC20 at checkout.Visit scalewithstability.com to grab your ticket—I hope to see you there! Support the showJoin Dr. William Attaway on the Catalytic Leadership podcast as he shares transformative insights to help high-performance entrepreneurs and agency owners achieve Clear-Minded Focus, Calm Control, and Confidence. Free 30-Minute Discovery Call:Ready to elevate your business? Book a free 30-minute discovery call with Dr. William Attaway and start your journey to success. Special Offer:Get your FREE copy of Catalytic Leadership: 12 Keys to Becoming an Intentional Leader Who Makes a Difference. Connect with Dr. William Attaway: Website LinkedIn Facebook Instagram TikTok YouTube

What does it truly take to help clients achieve lasting health? This episode of Real Training. Better Living dives deep into the "Reclaim, Ascend, & Self-Mastery" framework, offering a fresh perspective on personalized fitness strategies.   Join Tommy and Chris as they discuss how understanding client motivations can shape effective training approaches, share real-life examples of overcoming challenges, and explore actionable insights that fitness professionals can apply right away. Whether you're a coach, a fitness enthusiast, or someone on your own health journey, this episode provides the tools and inspiration to take control of your well-being. Discover how to tailor strategies that meet individual needs and how the client-centric approach can pave the way for long-term success. Looking to see where you're at in your own fitness or coaching process? Tune in and start your transformation today! Contents in this Video: [00:00:00] - Welcome & Mapping the Client Journey [00:03:12] - Digging Deeper: Understanding Client Motivations [00:06:38] - Real Talk: Tools, Mistakes & Client Trust [00:10:15] - Phase 1: Reclaiming Health After Setbacks [00:14:00] - Phase 2: Ascend — Building Strength & Confidence [00:18:05] - Phase 3: Self-Mastery & Training Autonomy [00:23:15] - Testing Limits: Setting Goals & Embracing Challenges [00:27:45] - Final Takeaways: Sustainable Fitness & Self-Awareness Learn More About District H Strength & Fitness: Website: https://districthsf.com/ Instagram: https://www.instagram.com/district_h_strength/ FaceBook: https://www.facebook.com/DistrictHStrength YouTube: https://www.youtube.com/@districthstrengthandfitness

Ascend: Week 14 - Death And Resurrection by Hope City Church

Former journalist and VC firm content expert Coral Garnick Ducken returns to the studio to help us understand the top business stories of the week!Top Stories1. Two new grocery stores, one restaurant closesTrader Joe's draws hundreds to line up for grand opening (Seattle Times)PCC says downtown Seattle store to reopen this summer (Seattle Times)Virginia Inn, Seattle restaurant that predates Pike Place Market, will close (Seattle Times)2. Status of venture funding in Q1Seattle venture funding surges in first quarter (PSBJ)Filing: Seattle VC firm Ascend raising third fund to back more startups in Seattle and beyond (GeekWire)Seattle's newest investment group aims to break down silos between angel investors, VCs, founders (GeekWire)3. Blue Origin lands DOD contract (and women flight)Blue Origin lands $2.8 billion contract with DOD (PSBJ)Blue Origin's all-female space mission sends celebrities and scientists on a suborbital trip (GeekWire and elsewhere)4. Microsoft & Amazon want to remove middle managementMicrosoft reportedly eyes layoffs targeting middle managers (PSBJ)Amazon CEO Jassy blasts company bureaucracy in shareholders letter (Seattle Times)5. The future of content consumption with AIThe future of media is intelligent and interactive: How AI will change how we consume content (GeekWire)About guest co-host Coral Garnick Ducken - Digital Editor, Madrona:Prior to her current role as Digital Editor for Seattle VC firm Madrona, she was a content writer for Blueprint Technologies. Before that she was the Associate Editor at Puget Sound Business Journal after leaving Seattle Times as a business reporter. Coral earned her masters degree in Journalism from Columbia University.About host Rachel Horgan:Rachel is an independent event producer, emcee and entrepreneur. She worked for the Business Journal for 5 years as their Director...

This is the sermon for the Lord's Day, April 20, 2025.

Urgent message from the 12 Archangels channeled by Belinda Womack. Discover the truth about the current crisis—it's the final spiritual battle of fear vs. love. Learn your powerful role as a Super Soldier of Love, how to embrace trust and gratitude, and co-create a joyful New Earth!   To find out more visit: https://amzn.to/3qULECz - Order Michael Sandler's book, "AWE, the Automatic Writing Experience" www.automaticwriting.com  - Automatic Writing Experience Course www.inspirenationuniversity.com - Michael Sandler's School of Mystics Join Our YouTube Membership for behind-the-scenes access - https://www.youtube.com/channel/UCVoOM-cCEPbJ1vzlQAFQu1A/join  https://inspirenationshow.com/ https://www.dailywoohoo.com/ - Sign up for my FREE daily newsletter for high-vibration content. ……. Follow Michael and Jessica's exciting journey and get even more great tools, tips, and behind-the-scenes access. Go to https://www.patreon.com/inspirenation   For free meditations, weekly tips, stories, and similar shows visit: https://inspirenationshow.com/   We've got Merch! - https://teespring.com/stores/inspire-nation-store   Follow Inspire Nation, and the lives of Michael and Jessica, on Instagram - https://www.instagram.com/InspireNationLive/   Find us on TikTok - https://www.tiktok.com/@inspirenationshow

The Orthodox Faith has a word describing the Incarnation that saves us all. That word is kenosis which is the self-lowering of the Word of God, by His own will entirely, that we may be raised up again. As we once again set the eyes of our soul to see Him in His Passion tonight, we consider many of the wondrous revelations from the prayer service of the Stations of the Cross showing forth just how far Christ our God lowered himself so that we might Ascend.

Ascend: Week 13 - Palm Sunday / Pastor Jeff Bowman by Hope City Church

Lacey Castilleja Fisher, Licensed Professional Counselor, Play Therapist Perinatal Mental Health-Certification, talks about how sand tray therapy can help you through the trauma of TFMR baby loss. Lacey runs Open Heart Counseling of Austin, TX and we also talk about the state of perinatal mental health support in Texas.Connect with Lacey at:www.openheartcounselingatx.comFB and IG: @‌openheartcounselingofaustinATTENTION PERINATAL MENTAL HEATLH PROVIDERS! Lacey has a new offering so you can start to learn how to use sand tray therapy with your clients too, check it out here: http://www.openheartcounselingatx.com/store/p2/sandtray-trauma-loss-PHMC.htmlGROUP GRIEF SUPPORT: You are invited to Ascend, a TFMR Grief Circle program. This online group support is for you if you're looking to learn to cope with grief, honor your baby and your deep love for them and come away with skills to heal the trauma that comes with the heartbreaking loss of ending a beloved pregnancy​All while finally feeling seen in a compassionate community of grieving parents just like you. http://www.thetfmrdoula.com/acend-apply to apply to join.…And if you would like to share your TFMR Story on "Our TFMR Stories," email me here to find out more: sabrina at theTFMRdoula dot comMusic clip:Pamgaea by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/4193-pamgaeaLicense: http://creativecommons.org/licenses/by/4.0/…

Last weekend's tragic car crash in the Gulch proves why the improvements Metro is making to traffic calming and signals can't come soon enough. On today's Friday News Roundup, host Marie Cecile Anderson is joined by executive producer and WNXP morning show host Celia Gregory to break down the proposed improvements, chat about why Ryman Hospitality won the bid to operate Ascend Amphitheater, and shout out our picks for the best releases and local events for Record Store Day tomorrow. Want some more City Cast Nashville news? Then make sure to sign up for our Hey Nashville newsletter.  Follow us @citycastnashville You can also text us or leave a voicemail at: 615-200-6392 Interested in advertising with City Cast? Find more info HERE.

SHOW DESCRIPTION In this transformative episode, Ati sits down with Alessia Citro, author of "Higher Self Habits," to uncover how tiny, consistent actions can build unstoppable self-trust and confidence. Learn why traditional habit-building advice fails women and discover a powerful feminine approach to creating habits that stick without burning out or feeling restricted. CONNECT WITH ATI Ready to build a personal brand you are proud of: Free: ✏️Take the profitable personal brand quiz https://atigrinspun.com/quiz/ Ready to get massive Clarity on your personal brand: Get my Personal Brand Clarity Masterclass HERE Looking to Stand out (on and off social media) get the Stand out Masterclass HERE

Ascend: Week 12 - Hide And Seek / Pastor Jeff Bowman by Hope City Church

Ascend with us to the heights of the Sermon on the Mount!

Welcome to Episode 274 of Lucretius Today. This is a podcast dedicated to the poet Lucretius, who wrote "On The Nature of Things," the most complete presentation of Epicurean philosophy left to us from the ancient world. Each week we walk you through the Epicurean texts, and we discuss how Epicurean philosophy can apply to you today. If you find the Epicurean worldview attractive, we invite you to join us in the study of Epicurus at EpicureanFriends.com, where we discuss this and all of our podcast episodes. This week we continue our series covering Cicero's "Tusculun Disputations" from an Epicurean viewpoint. This series addresses five of the greatest questions in philosophy, with Cicero speaking for the majority and Epicurus the main opponent: 1. Is Death An Evil? (Cicero says no and Epicurus says no, but for very different reasons)2. Is Pain An Evil? (Cicero says no, Epicurus says yes)3. Does the Wise Man Experience Grief and Fear? (Cicero says no, Epicurus says yes)4. Does the Wise Man Experience Joy and Desire? (Cicero says no, Epicurus says yes)5. Is Virtue Sufficient For A Happy Life? (Cicero says yes, Epicurus says no) As we found in Cicero's "On Ends" and "On The Nature of the Gods," Cicero treated Epicurean Philosophy as a major contender in the battle between the philosophies, and in discussing this conflict and explaining Epicurus' answers to these questions, we will deepen our understanding of Epicurus and how he compares to the other major schools. These week we continue our discussion in the section "Is Death An Evil," and we will pick up in Section XVII. Show Notes: https://www.epicureanfriends.com/thread/4365-episode-274-is-cicero-right-that-death-a-better-place-td04/#post34569 

Ascend: Week 11 - Just Stop Trying / Pastor Jeff Bowman by Hope City Church

This week we continue the Transformed series with a message linking the Transfiguration with Psalm 24.   Want to watch a version of this message? Check out our live broadcast archive at www.declarationchurch.net/live. 

Join us as we sit down with Sam Brill, CEO of Ascend Wellness Holdings, to unpack the latest in cannabis investing and industry strategy. We cover:✅ Ascend's strategic evolution and key takeaways from Q4

Please subscribe and leave a review. This helps us reach our goal in sharing the Gospel with our community and world!You can find us on social media at:Instagram: https://www.instagram.com/familylifebtown/Facebook: https://www.facebook.com/familylifebtownWatch our past services on YouTube!https://www.youtube.com/channel/UCN3I9rk7-k6mGVoPNS2S3GwShare this podcast with someone you know. If you would like to give, or visit us, please visit our website at thefamilylife.org. 

Ascend: Week 10 - Blessing / Pastor Katie Bowman by Hope City Church

In this replay episode of B-Schooled we sit down the Recy Dunn. Recy currently serves as the CEO of Ascend Public Charter Schools and oversees a network of 16 schools serving 6,000 students in grades K-12 across Brooklyn, NY.  Prior to his role with Ascend, Recy served as the Chief Strategy Officer of the NYC Department of Education as well as a variety of other education leadership roles at both the local and national levels.   Recy earned his MBA and his MA in Education from Stanford. In this episode, Recy and host Chandler Arnold share:  Suggestions for MBA students interested in the field of education Thoughts focused on how education is a central civil rights issue of our time  The value of an MBA for those working within school districts, drawing from Recy's experiences in California, DC, and New York The value of an MBA for those running education-focused social enterprises, drawing from Recy's experiences leading Ascend Public Charter Schools The value of an MBA for those working with philanthropists, drawing from Recy's experiences with the Broad Foundation and receiving an $11M gift from MacKenzie Scott Thoughts on diversity, equity and inclusion in the field of education Tips for current MBA students who are passionate about education We can't thank Recy enough for joining us. Listening to this podcast is a must for anyone passionate about education, equity or leading social enterprises.  

Our 203rd episode with a summary and discussion of last week's big AI news! Recorded on 03/14/2025 Hosted by Andrey Kurenkov and Jeremie Harris. Feel free to email us your questions and feedback at contact@lastweekinai.com and/or hello@gladstone.ai Read out our text newsletter and comment on the podcast at https://lastweekin.ai/. Join our Discord here! https://discord.gg/nTyezGSKwP In this episode: OpenAI's new 'deep research' feature has raised concerns about cybersecurity and the potential misuse of AI models for bio-weapons and autonomous capabilities, prompting new safety and governance measures. Google's extensive $3 billion investment in Anthropic is revealed, aligning with their AI strategy and reinforcing the importance of multiple technology partnerships. Huawei's advancements in the AI chip industry are highlighted, with significant progress in producing chips comparable to Nvidia's H100, despite export control challenges. China's recent directive discourages AI executives from traveling to the US, reflecting heightened security concerns and potentially signaling a more adversarial stance in the AI race. Timestamps + Links: (00:00:00) Intro / Banter (00:01:30) News Preview Tools & Apps (00:02:30) OpenAI launches new tools to help businesses build AI agents (00:08:50) You can now test Gemini 2.0 Flash's native image output  (00:13:32) Waymo is now offering 24/7 robotaxi rides in Silicon Valley (00:17:19) Moonvalley releases a video generator it claims was trained on licensed content (00:21:11) Snap introduces AI Video Lenses powered by its in-house generative model (00:23:37) Sudowrite Launches Muse AI Model That Can Generate Narrative-Driven Fiction Applications & Business (00:27:48) In another chess move with Microsoft, OpenAI is pouring $12B into CoreWeave (00:30:54) Huawei's Ascend 910C Takes on NVIDIA as China's AI Race Heats Up: More Alleged Details (00:36:26) Huawei reportedly acquired two million Ascend 910 AI chips from TSMC last year through shell companies (00:40:27) Inside Google's Investment in the A.I. Start-Up Anthropic (00:43:26) Meta is reportedly testing in-house chips for AI training (00:46:48) Elon Musk's xAI buys 1 million sq ft site for second Memphis data center (00:50:02) Superintelligence startup Reflection AI launches with $130M in funding Projects & Open Source (00:53:11) Google calls Gemma 3 the most powerful AI model you can run on one GPU (00:58:18) Sesame, the startup behind the viral virtual assistant Maya, releases its base AI model (01:01:13) Reka AI Open Sourced Reka Flash 3: A 21B General-Purpose Reasoning Model that was Trained from Scratch (01:04:19) Open-Sora 2.0: Training a Commercial-Level Video Generation Model in $200k Research & Advancements (01:06:25) Google's Gemini Robotics AI Model Reaches Into the Physical World (01:14:33) Optimizing Test-Time Compute via Meta Reinforcement Fine-Tuning (01:23:29) Deep Research System Card (01:29:50) Claude 3.7 Sonnet System Card Policy & Safety (01:33:24) Detecting misbehavior in frontier reasoning models (01:39:30) China tells its AI leaders to avoid US travel over security concerns, WSJ reports (01:43:48) Outro

What if the name you were born with became a barrier to your dream job? Jahanzaib Ansari faced this exact challenge and used his personal story of overcoming discrimination to fuel his passion to create a hiring process that partners with giants like IBM and Deloitte to ensure fairer hiring practices. Through his eyes, you'll uncover the journey of leading an innovative company in Canada, navigating the hurdles of growth, and using artificial intelligence to champion equality and inclusion in the workforce.The tech world is ever-changing, and staying ahead requires a unique set of skills. Emphasizing a growth mindset and the ability to remain agile, Jahanzaib discusses how openness to feedback and surrounding oneself with a skilled team can enhance leadership effectiveness. We delve into the importance of resilience in weathering economic challenges and organizational changes. Learn strategies to transform from a negative mindset to one of opportunity and growth, acknowledging that every leader's journey is filled with its own set of trials and triumphs.The episode wraps up with a focus on navigating AI ethics and fostering trust in professional relationships. Jahanzaib brings attention to the increasing role of Chief Ethics Officers in ensuring ethical use of data and preventing discrimination. We discuss best practices for hiring, advocating for collaboration between recruiters and hiring managers, and the importance of objective competency setting. As the conversation unfolds, we highlight the significance of building trust and fostering Diversity, Equity, and Inclusion (DEI) initiatives, despite the societal polarization surrounding these efforts. Jahanzaib underscores the need for organizations to remove unfair gatekeepers, ensuring that all individuals, regardless of background, have equal opportunities to thrive.What You'll Learn:• The evolution of leadership in the fast-paced world of A.I.• Building resilience and fostering a growth mindset• Navigating A.I. ethics and promoting bias-free hiring practices• The importance of trust and collaboration in professional relationships• Overcoming societal polarization to champion Diversity, Equity, and Inclusion (DEI) initiativesPodcast Timestamps:(00:00) - Turning Bias Into Opportunity: Knockri's Origin Story(14:59) - Building Resilience Through A Growth Mindset(29:36) - Navigating Ethics: A.I. and Hiring Practices(36:29) - Building Trust and DEI Practices(44:20) - Mastering Self-Leadership Is A Lifelong ProcessMore of Jahanzaib Ansari:Jahanzaib Ansari is the co-founder of Knockri, an award-winning behavioral assessment platform that integrates ethical AI with I/O Psychology to revolutionize hiring. Driven by a mission to create a more inclusive, fair, and efficient recruitment process, he partners with Fortune 500 companies like IBM, Deloitte, SAP, and the Canadian Federal Government to help them build diverse teams and foster equity. Beyond leading Knockri, Jahanzaib serves as a Next Generation Business Leader to the Business Council of Canada, collaborating with top executives to drive meaningful change. A recognized thought leader in AI, the Future of Work, and Diversity, he has spoken at prestigious international events and earned accolades such as Innovator of the Year by Ascend, the Exceptional Leadership Award by AUSCAN Forum, and a spot on HRD Magazine's list of Canada's Rising Stars. LinkedIn: https://www.linkedin.com/in/jansari1/Key Topics Discussed:Positive Leadership, Entrepreneurship, Tech Innovation, Adaptability, A.I., Diversity, Equity, Inclusion, Hiring, Ethics, Resilience, Growth Mindset, Agility, Receiving Feedback, Persistence, Collaboration, Building Trust, DEI, Leading with Transparency, Chief Ethics Officer, Establishing Credibility, Emerging Leaders, Servant Leadership, Self-Leadership, CEO SuccessMore of Do Good to Lead Well:Website: https://craigdowden.com/LinkedIn: https://www.linkedin.com/in/craigdowden/

Join Nick Lamagna on The A Game Podcast with our guest Alex Pardo a real estate investor, entrepreneur, financial coach and self storage unit investing master who went from flipping baseball cards to flipping real estate.  He went through the rollercoaster of ups and downs from massive deals to massive tax debt and back as he found his way to success along the way through multiple asset classes on his destination to financial freedom. He left working from GE to backpack through Europe when he saw himself on a path to a future he did not want and learned about real estate investing on European trains starting as a wholesaler, graduating to fix and flips and rentals doing over 700 deals and now focusing full time on self storage investing.  He not only achieved his own success fighting through obstacles and adversity along the way he now helps investors just like you through his massively successful podcast the Flip Empire Show and his coaching platform where he shares his no-nonsense, straight-shooter approach to give you tools and strategies to achieve results and not settle for mediocrity.  Topics for this episode include: ✅ Why self storage is an economy resilient product ✅ What are the best markets for self storage investing? ✅ Two types of risk in self storage investing ✅ Reasons to choose self storage facilities over residential real estate ✅ How much money do you need to start self storage investing? ✅ A perfect buy box for self storage investing + More See the show notes to connect with all things Alex!   Connect with Alex: alexpardo.com Alex Pardo on Instagram Alex Pardo on LinkedIn Alex Pardo on Facebook Alex Pardo on Youtube Alex Pardo on TikTok Alex Pardo on Twitter Storagewins.com   Connect with the Flip Empire Show: The Flip Empire Show on Apple Podcasts The Flip Empire Show on Spotify --- Connect with Nick Lamagna www.nicknicknick.com Text Nick (516)540-5733 Connect on ALL Social Media and Podcast Platforms Here FREE Checklist on how to bring more value to your buyers