Podcasts about bottom line

So many offices out there think growth has to come from new patients. Tiff and Kristy share specific areas in your practice where you can increase what you're pulling in. This includes fee analyses, unscheduled patients, a finely tuned schedule, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Tiffanie (00:01) Hello, Dental A Team listeners. We are so excited to be here with you today. We love podcasting. We love giving out so much great information. And more than anything, we really love sharing our journeys with you guys, us consultants here on the team. We get to be in office with you, a lot of you. we get to be on the road, we get to go to CE courses, we take a ton of CE courses. The gal who's podcasting with me today is a CE maniac. she's always just looking things up and   And learning and growing. So we get to learn and grow. We get to boots on the ground, test things out, and then we get to deliver those ideas and those thoughts here to everyone on this platform. So thank you for being a valued listener. We hope that you enjoy today's content and please, please, please share with a friend something that we're very passionate about is reaching as many people as we possibly can on this platform and others. So whether you are a current client, a future client, or a forever podcast listener alone.   We just ask that you share this information, you pass it along to a friend, so that they can get some great nuggets as well. And Kristy, I have Kristy here with me today. And like I said, Kristy, you are just like a learning magnet. I love it because you just have this broad spectrum, this range of things that you love consuming, and you bring so much knowledge to the Dental A Team consulting team. So, Kristy.   Thank you for being here with us today. I am excited for today's topic. and before we dive in, how are you? How has your podcasting been? You listen to, you consume a lot. And then you you're   DAT- Kristy (01:37) Yeah.   Tiffanie (01:38) someone that consumes but also utilizes what you consume, which I think is a special skill. So how are you? How's your world? How's your learning? What's new for you?   DAT- Kristy (01:47) Yeah, it's going good, Tiff. it's beginning of the week, so it's always fun to dive in and hear the things. I think lately it's really been around insurance and getting payments on time. They're doing some sneaky stuff with payments, so keeping clients apprised to that and making sure the revenue's coming in. But beyond that, like you're right. I I do like to to listen and stay up on things so that we can share with our   not just our clients, but even like you said, future clients or people listening to the podcast.   Tiffanie (02:22) Yeah, I agree. I know you're gonna say insurance. That has been a bug this year. Insurance   DAT- Kristy (02:27) Mm-hmm.   Tiffanie (02:27) the insurance bug is what we will call it. and   DAT- Kristy (02:30) Yeah.   Tiffanie (02:30) I love it because I know I can I can pick your brain for so many things and you do stay up on so many forums and you're always reading. but then on the opposite end of that spectrum, like I know I I know you will what does Kiera call you? A truffle, a truffle hunter, right? Like you're gonna find those truffles in the forest.   within the insurance and the billing world, but also you love leadership, like growth and development and this the non-dental leadership podcast of the world and books and we're always talking about that stuff. So I think it's really cool and very valuable for everybody and and gives you just a ton of credibility as we speak to a lot of the things we're gonna talk about.   DAT- Kristy (03:15) thank you, Teff.   Tiffanie (03:16) Of course. and yes, it is early in the week starting my   Starting my Monday podcasting is really fun. And starting my Monday podcasting with Kristy brings it down. It's only 10 a.m. and I feel like it has been a whirlwind this morning. So knowing   DAT- Kristy (03:31) Yeah.   Tiffanie (03:31) that I'm here, I'm like, okay, actually we're gonna breathe. So I hope all of our listeners feel that. Kristy brings a sense of calm to every every space that you enter. so thank you for doing that for me today. I need it.   DAT- Kristy (03:44) Absolutely, my pleasure.   Tiffanie (03:46) So, Kristy, this is something I think you're really great at. I do go through and and this was the first podcast on our list, and I was like, Yeah, this is Kristy's podcast. If we do no more   DAT- Kristy (03:56) Mm-hmm.   Tiffanie (03:56) today, it's at least this one. And we really wanted to speak to the podcasting world here and and dental listeners about how to find growth within a practice without physically growing the practice. And this is something that has come up a lot. And I think Kristy.   I've at least had a lot of I've been experiencing this. I've had a lot of practices that are like tapped out on space, right? Like physical space. And after 2020, right? The year of 2020, March to December, this massive boom, right? We had this tank of like, what are we gonna do? And then we just had this massive boom and this influx. And so I think what I saw happen is a ton of practices remodeled or they did expansions, they added as much as they physically could.   And they're kind of tapped out. I know I have you know some that are like if I build anymore, I don't have parking where my patients gonna park. And so   DAT- Kristy (04:50) That's seven.   Tiffanie (04:51) they're finding themselves in this space or they're finding themselves in this space where maybe they don't have the finances right now to physically build or the capability and it doesn't make sense to. So we push growth. We're always saying, you know, seven to ten percent, ten percent is our goal, at seven percent is a minimum, a bare minimum to keep up with inflation. And my   Clients, you know, a lot of my practices are looking at me like, okay, Tiff, like that's crazy. So I wanted to chat today through some ideas that we utilize and Kristy that you bring to the table specifically to increase that like dollar per hour, that bottom line, that production collection space without physically increasing maybe even our patient base. Cause Kristy also have got a ton of practices.   that are struggling for new patients. We're like scraping the bottom of the braille all trying to find new patients. So yeah, that's where we're at. We're just like, how do you grow without pouring water on a plant and growing it, you know?   DAT- Kristy (05:52) Mm-hmm. Absolutely. Tip, I love this subject because so many offices think that it all has to come from new patients, you know? And sometimes new patients can be expensive if we're looking for outside marketing, right? And we have so much to tap into within our practices already. And first and foremost, I always like to say when's the last time you did a fee evaluation? a lot of people after COVID.   really didn't tap into this. And I speak to doctors almost every day who think they were at the 80th percentile. And when we look at it, they're down in the 40th or 50th percentile, you know? And I also say tip with that, a lot of docs are hesitant to to look at this because they're like, I'm so high PPO. And I always say, hey, if you don't raise your fees, they're never going to raise theirs either. So   Tiffanie (06:47) Yeah.   DAT- Kristy (06:48) Taking a look at that first and foremost is huge.   Tiffanie (06:51) I totally agree with that. It's something that's overlooked. I love what you said about the PPO space because so many doctors are like, what difference does it make? I'm tied to these fee schedules or nobody ever sees my UCR. Well, they do. The insurance companies see it. And I actually have a practice, I don't remember who I was podcasting with, but we spoke about them a couple weeks ago that they do their fee analysis and updates in during the summer. It's their slow time and so   DAT- Kristy (07:16) Mm.   Tiffanie (07:18) they do it during the summer.   when there's space and there's time because January, you know, that's an influx of just   DAT- Kristy (07:24) Basically.   Tiffanie (07:25) yeah, is it crazy. And so they move that task to the summer, which I think is really smart. And we actually just went through and did a fee analysis and found that they're they have a couple of insurances that are paying in network almost to their UCR fees. And their UCR fees are not low, right? They're getting like a thousand to eleven hundred dollars for a crown.   So when we requested a fee increase, right, they're like, hey, we're already paying 90% or 95% of your UCR, so we're denying it right now. And to your point, Kristy, they need to change their UCR because their insurances are following those UCR fees, right?   DAT- Kristy (08:06) Yeah.   Tiffanie (08:07) And so many practices overlook that and just go with the flow, and they just like muscle memory, they just keep.   you just keep doing it, right? You're like Dory, just keep swimming and you just don't think about what's behind you. And increasing   DAT- Kristy (08:20) Yeah.   Tiffanie (08:21) those UCRs makes a massive difference, especially when you're a PPO   dentist in the area that's at that 50th percentile. You need to be way higher. And if no one's seeing those UCR fees, great. Then guess what? You don't have to have that conversation with your with your patients.   that their fees are increasing because you increased fees. Like no now your insurances see those fee increases and then you can request fee increases from them for your fee schedules.   DAT- Kristy (08:49) Yeah, exactly. I think it's a it's a huge missed opportunity if if you haven't looked at them in a while. And and I like to say look at once a year. I mean, it it really is worth it and it fluctuates. And don't forget your products if you're selling products. Like make   Tiffanie (09:05) Yes.   DAT- Kristy (09:05) sure you're updating those and looking at invoices. Make sure you're you're charging the correct, you know, a lot of offices don't add on for like   toothbrushes and that sort of stuff, you could actually be going in the hole if you haven't looked at it in a while. So   Tiffanie (09:20) Absolutely. I have had so many practices that were that look back, you know, they haven't done it in three, four years and they look at it and they're like, my gosh, I'm literally losing money on fluoride. Like, we haven't updated our fees, so my fluoride costs more than what I'm charging my patients. And I'm like, Yeah, and that's an easy   DAT- Kristy (09:37) Crazy.   Tiffanie (09:38) one. And even like to your point the oral bee and crest and all of them, they increase inflation, right, is everywhere. So if your goodie bags are, you know, costing a certain amount   Add that in too. Take that into consideration because you've got to pay for those somehow, and we forget that those freebies are coming out of our overhead somewhere. We've got to make   DAT- Kristy (09:59) Yeah,   agree with you, Tiff. you know, the other area that I like is looking at your unscheduled patients. I mean,   Tiffanie (10:07) Right.   DAT- Kristy (10:08) so many of my practices have a whole practice within a practice and and we get busy and we think we we don't have time to call on those. And I like to say it's a proactive and a reactive approach and making sure we're touching it every single day is huge.   Tiffanie (10:25) Yeah.   Yeah, and to your point, that's a like a reactivation campaign. This is not just it's also including, but it's not just patients who were due last month that didn't come in. Those are very top of mind. We're hitting those. 90% of our our our practices are hitting those recare due. Recare coming up, recare six months past due, one year past due. This is patients who haven't been seen in 18, 24, 36 months because   To your point, there's a practice practice within a practice. I have practices, I know we both do. The physical practice has been around for 30 plus years. You may have been the newest dentist, the newest owner. So maybe you've only been there for two, three, five years, and you're thinking active patient count, but you've got 30 years of this physical space being there of patients who per perhaps haven't seen a dentist or been touched by your recare efforts.   DAT- Kristy (11:21) Yeah, absolutely. And I love those ones because you already have a relationship with them. So   Tiffanie (11:25) Yeah.   DAT- Kristy (11:26) you even if you've physically inactivated them, you can run an inactivated campaign and and systematically touch these people to remind them, Hey, I'm still here. We'd love to see ya, you know.   Tiffanie (11:39) Yeah.   Yeah. I have a lot of clients that do that reactivation campaign and they're like, okay, but what if they've moved? What if they decided not to come? He's like, great, then you get to clean up your system as well and remind those patients, no matter where they live, they need to see a dentist. So if our goal is to ensure that our patients are healthy, you're still handling that because you're still reminding them to find a dentist and   To me, those are new patients, right? And you said earlier, like a lot of a lot of practices will put all their eggs in a basket of a new patient. And I think that comes from the early 2000s of everything was new patients. There were so many consulting companies and I just everything we heard in dentistry was new patients. You heard nothing else, new patients in production. And that's evolved a ton because I think people got tired of being new patient mills, right? Where it was like,   We see so many patients, but we're not worried about what's happening to them after they leave that first appointment. And that has dramatically shifted. And that's where this comes into play. So even if you haven't physically, maybe you've been there for a year or three years, you haven't met that patient yet, that's okay. That patient   DAT- Kristy (12:49) Sure.   Tiffanie (12:50) has a relationship with the practice, with the building, it's memory, it's driving up to the place that you've gone.   three, four, five times for your dental care. That's my dentist, right? That's my dental practice. So then you have that opportunity now to build the relationship one-on-one with that person as they enter.   DAT- Kristy (13:10) Yeah, agree with you, Tiff. it it's look at the number because I bet you would be surprised at how many patients you have sitting out there. And if truly you are at a capacity, you guys can go through those and look at them strategically. If they have outstanding treatment, those patients potentially could be could be coming back in not just hygiene, but in the doctor's chair too. So   Tiffanie (13:32) Yes. Yes.   DAT- Kristy (13:34) yeah, there's a gold mine sitting out there most of the time, and it just takes tapping   Tiffanie (13:36) Yeah. Yeah.   DAT- Kristy (13:38) into it.   Tiffanie (13:39) I have a practice that had nineteen thousand patients had touched this physical building at one point or another. Nineteen thousand people in this small town. And I was like, Yeah, stop paying for new patients. Just just physically hit those patients with emails. You just automated emails that go out once a month and you're gonna get you're gonna get patients back because I've seen it and you're gonna get patients that call and say, Hey, actually I moved out of town. Great.   clean up our system. So I love those.   DAT- Kristy (14:06) Yeah.   You know, Tiff, even to that point, how many offices look at how many new patients they get, but take it one step further and see, okay, we had thirty new patients this month, but only twenty rescheduled for another appointment. So making   Tiffanie (14:21) Right. Mm-hmm.   DAT- Kristy (14:22) sure when we have them or having those conversations to keep them and capture them as they're coming in as well.   Tiffanie (14:29) Yeah, I have I had that conversation last week with a client and they asked the great question of okay, is that that they scheduled for their treatment or they scheduled their six month recare? And I said, Great question because I love definitions and both   DAT- Kristy (14:41) Yeah.   Tiffanie (14:43) because so many patients, Kristy, so many people are like, yeah, sure, we'll schedule. And then they cancel in two weeks   DAT- Kristy (14:49) Mm-hmm.   Tiffanie (14:50) or six months right before their visit, right? And you never see them again. So if they had treatment diagnosed and didn't schedule that, but they scheduled their six month visit.   That's a little fishy to me. So I said both. And that   DAT- Kristy (15:01) Yeah.   Tiffanie (15:02) leads into that case acceptance space too. We're only watching we're only watching case acceptance of an overall and we're not differentiating to are the new patients accepting versus just maybe recare's accepting that we've already had this relationship because then you're seeing what's that relationship we're building with the new patients? Are they sticking or are they canceling?   DAT- Kristy (15:23) Yeah, 100%, Tiff. I think there's a couple other areas too that come to mind for me when it comes to the growth. And it goes back to what you were saying in the case acceptance realm. Like what I found lately is people really have to have some strategic resources for patients to accept treatment, you know?   Tiffanie (15:43) Mm.   DAT- Kristy (15:44) So from the realm of finances, making sure we have ways that patients can say yes.   Tiffanie (15:50) Yeah.   DAT- Kristy (15:50) You know,   and really measuring when they don't, what what stood   Tiffanie (15:54) Yeah.   DAT- Kristy (15:55) in the way.   Tiffanie (15:56) Yeah, I love that. And that seems to be I think in for my client base, what I've seen is scheduling hurdles and finances, making sure   DAT- Kristy (16:05) Yep.   Tiffanie (16:06) that there's an easy way to say yes to the price. and making sure that blocked scheduling or whatever it is that you choose to use for your scheduling that it that it works. I've got a lot of patient or a lot of clients that   their patient appointments, like they're just throwing things on the schedule to try to fill it. Like especially the ones that are struggling to fill a schedule, they're just grabbing whatever they can. And   DAT- Kristy (16:31) Mm-hmm.   Tiffanie (16:33) without utilizing a blocked scheduling method and filling it in that way, we do a really big disservice because I think Kristy, what I've seen at least, is sometimes those patients that are in, those appointments that are in that should be an hour, are now taking an hour and a half, two hours because there's other stuff mixed in.   And so then we are making our days longer and like, okay, if we're scheduling that, now I need two hours in the future. You probably didn't. You probably just didn't schedule correctly around it. And so you're actually losing a ton of time throughout your day to be more productive. And to your point, Kristy, that's the growth. If we can condense our schedule and do things more effectively and more efficiently, we can add more production onto the schedule.   DAT- Kristy (17:20) Agree with you. again, too, in this day and age, a lot of people don't like taking a lot of time off work. So consider   Tiffanie (17:27) Yeah.   DAT- Kristy (17:27) doing more on your patient while they're there. Give them give them the choice, you know, let them decide. Are you the type of patient that likes to do what more in one treatment, you know, or do you   Tiffanie (17:39) Yeah.   DAT- Kristy (17:39) want to come more frequently?   Tiffanie (17:41) Yeah, and that goes into your being able to say yes to the treatment. I think that's a that's a space as well because if you come at me with like two, three, four appointments, I might be like overwhelmed by the idea and not want to start anything because I can't finish it. And if   DAT- Kristy (17:57) Yeah.   Tiffanie (17:58) my schedule is too difficult to envision being able to finish all of these appointments in a timely manner, I might just back away and say, you know what, I'm not ready to start anything because I can't figure out how to do it all.   DAT- Kristy (18:09) Yep, agree with you, Tiff. And lastly, I think I hear a lot of doctors say, All my patients are so healthy. All my patients   Tiffanie (18:16) Yes.   DAT- Kristy (18:17) are so healthy. And I I truly think that that's a huge missed opportunity too. It's a great time to take a step back and just say, Hey, what are your long-term goals for your teeth? And maybe now that you've repaired damage in my mouth or gotten rid of infection, this is a perfect time to talk about the cosmetic things that a lot of doctors   Tiffanie (18:37) Wonderful thing.   DAT- Kristy (18:37) love doing, right?   Tiffanie (18:39) Yep, I had that conversation with two or three doctors just last week that I do we hear that constantly, right? Well, I need new patients because my patients are healthy. That's fantastic because what if you could do really fun work on healthy patients? There's ortho, right? And ortho, I love when when practitioners look at ortho as a way to prevent future issues, right? So if you're misaligned, especially the lower anterior.   Always right. There's always something there. So it's perio, it's chip teeth in the future, it's losing teeth. Like, how can we help how can ortho become a preventative measurement? And then to your point, cosmetics, whitening. My fiance just asked me the other night. Like he hasn't talked to his dentist at all about it, but he's got two, he's got an implant with a crown and he's got a crown.   And they're discoloring. They're they're years old. They're probably like six years old at this point, right? And so they're discoloring. And he's like, What do I even do? Right? Thank goodness. I'm here and I I'm like, well, let me give you your options. You can do four,   DAT- Kristy (19:46) Yeah.   Tiffanie (19:46) six, eight. Let me tell you what I would do. Let me tell you who I would like all of these things. But he isn't talking to them about it. He's talking to me about it. So how many patients do we have that don't even have someone to talk to about it? They're just sitting there wondering.   Could this be better and afraid to say something because it's an embarrassing or confusing or an unknown? Like so many things hold us back.   DAT- Kristy (20:13) Yeah, it's crazy. A lot of my clients have heard this story, but the same thing happened with my mother-in-law. Like literally   Tiffanie (20:19) Yeah.   DAT- Kristy (20:20) when I was in practice, you know, family would come, but she went somewhere with her friends and she saw somebody with a beautiful smile. And next thing you know, she's going to their dentist. Yeah, she came back.   Tiffanie (20:30) Yeah.   DAT- Kristy (20:32) But my doctors were like, What the heck? And I'm like, But you never asked or showed the possibilities, you know. So don't   Tiffanie (20:36) Yeah. Yeah.   DAT- Kristy (20:39) forget about your healthy patients. Like, take that step back. And this is a   perfect time to discover is there anything you don't like about your smile, you know.   Tiffanie (20:47) Yeah. I   love that you gave that a story because my fiance literally asked me, Who would I need to go to? Is that something that insert his dentist name can do? And I was like, Wow, this is wild. This is wild. And   DAT- Kristy (21:03) Yeah.   Tiffanie (21:04) so I've had so many people, I'm in Phoenix, right? We're both in Phoenix, right? So Scottsdale   DAT- Kristy (21:08) Yeah.   Tiffanie (21:09) is right around the corner, right? Just   DAT- Kristy (21:11) Mm-hmm.   Tiffanie (21:11) a little a little twenty-five to forty-five minute drive, depending on where you are in the valley.   Everyone thinks you have to go to Scottsdale for cosmetic treatment, right? I   DAT- Kristy (21:21) Yeah.   Tiffanie (21:22) can't get whitening, I can't get veneers. If I'm going to get veneers, right? We have people and legitimately there are a lot of dentists there, a lot of dentists everywhere who do great work. Scottsdale and LA. People fly in from other states to get dentistry done in Scottsdale and LA because they think that's where they have to go.   His people don't know. He's worked with he's been a patient at this practice since he had the emergency situation with his front teeth.   DAT- Kristy (21:51) Well.   Tiffanie (21:52) And he's like, should I go to him? And I'm like, I can't speak to his work, but I can say he he does them. You know,   DAT- Kristy (21:58) Yeah.   Tiffanie (21:59) so it's like you just don't know what you don't know. And so if we're not having those conversations, I think that's a massive space of growth. And if you're not someone who loves to do that, fine.   What do you love to do? You know, how many missing teeth are there? Do you like bridges? Do you like implants? Do you like how many missing teeth are within your recare? How many missing teeth are coming down the pipeline of patients that are in your database?   DAT- Kristy (22:25) One hundred percent. And or even maybe you've added new services to your service mix that even your existing patients don't know you're doing.   Tiffanie (22:33) Yeah, yeah. I agree. And it doesn't have to be Botox, fillers, threads. Like you don't have to be   DAT- Kristy (22:37) Right. Yeah.   Tiffanie (22:40) like, okay, well, I've tapped out my crowns and my fillings. Like I've gotta offer these other things. If you want to offer it, great, do it. But if it's not like a desire that you have to be this aesthetic dentist in that capacity, don't do it. You don't have to do all on force. Find something that you love.   that you can add to your service mix or something that's within your service mix to Kristy's point that your patients just don't even know that's there.   DAT- Kristy (23:09) Yeah. And lastly to wrap it, Tiff, I think so many people don't realize tapping into their own patients to earn that growth, like through social media and that sort of reviews, referrals, you know what I mean? Like give your patients a reason to refer and and even talk about you. Like bring that presence around so your existing patients can share why they love you and others will follow them.   Tiffanie (23:38) Yeah. Yeah. Don't be the dentist that your patients are like, I don't know if they're accepting new patients or not. Let me call and find out. Like, no, just let them call and find out. So I agree.   DAT- Kristy (23:46) Yeah.   Tiffanie (23:47) I agree. I think fee schedule increases. So if you haven't done them recently within the last year, do it. I do love the idea of moving that to the summer or whatever your slow period is. If you're a pediatric dentist, don't do it in the summer. and then looking at service mixes, so what can you do more of?   And looking at your schedule and making sure that you're utilizing as much time as you possibly can and that this that the schedule makes sense. I love that.   DAT- Kristy (24:14) Agree with you   and don't forget that reactivation.   Tiffanie (24:17) Activation, that was the other one. Yeah. Don't   forget those 19,000 patients that are sitting in your database somewhere. So, yes, I love   DAT- Kristy (24:21) Yeah.   Tiffanie (24:23) that. Kristy, these were phenomenal ideas. Thank you so much. thank you for   DAT- Kristy (24:27) Absolutely.   Tiffanie (24:28) making it easy. Thank you for helping so many clients. And for our listeners, if you need some Kristy wisdom, you need some Dental A Team help, please reach out. We're always here. Hello@TheDentalATeam.com or TheDentalATeam.com website. You can sign up for a quick free consultation as well to see if   what ideas we have. It doesn't mean you're signing up. It just means hey, tell me, tell me what are some ideas that you guys have. And we have a ton of free resources on that website as well. Drop us a five star review as always and let us know how we can best help you. Hello@TheDentalATeam.com. Thanks guys.  

The Whore of Revelation The Brit Olam Noahide World Center will host the First International Congress of Noahides in Jerusalem this November, bringing together delegates from six continents to formally establish the World Noahide Movement. The new movement will include a founding charter, a rabbinic court, regional councils, and financial infrastructure • Goy to pay to become Noahide compliant – blaspheme Jesus Christ November 2–6, held under the formal recognition of the State of Israel – Great City where they crucified Christ that is part of USA Inc.. The whore of revelation. Who Are Noahides? The Children of Noah refers to non-Jews who observe the seven universal moral laws. Jewish tradition holds were given by God to all humanity. The Brit Olam organization is recognized by the Chief Rabbis of Israel and is directly associated with Chabad Judaism. Bottomline, if you worship Jesus Christ, it is off with your head and considered idol worship (1906 Jewish Encyclopedia). The Seven Noahide Laws prohibit: murder, idolatry, blasphemy, sexual misconduct, theft, eating flesh from a living animal, and failing to establish courts of justice. A three-stage process moves a person from personal intent to self-declaration to an official declaration before a rabbinic court. Those who complete the process and receive righteous gentile status are considered by halachic tradition to have a share in the World to Come. A November 2025 manifesto describes a "religious symbiosis" — coexistence of the Jewish and Noahide paths on a shared platform of values, with Israel at the center

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Substack rolled out a new AI detection tool, and the backlash from writers has been swift. I also cover a proposed Copyright Office fee increase, IngramSpark's new path into Turkey, what librarians actually want from indie books, and a major Anthropic settlement update. Plus, I've got a rapid-fire roundup with author resources, audiobook opportunities, and a couple of last-call promos. As per usual, all relevant links are in the show notes. Dibbly Create - https://DaleLinks.com/DibblyCreate  (affiliate link) The Substack Post: Against Claudefishing - https://post.substack.com/p/against-claudefishing?mc_cid=22d3ab64d9&mc_eid=433332c881 US Copyright Office: Proposed Schedule and Analysis of Copyright Fees to Go Into Effect in Fall 2026 - https://www.copyright.gov/rulemaking/feestudy2026/proposed-fee-schedule.pdf  IngramSpark: General Turkish Book Marketing Information - https://marketing.ingramcontent.com/mrkng/2026/797-27073/797-27073GCTurkeyMarketFAQ.pdf IngramSpark - https://IngramSpark.com Jane Friedman's The Bottom Line - https://janefriedman.com/subscribe-paid-newsletter/ (subscription required) Writer Beware: Anthropic Settlement Update: Final Settlement Approved - https://writerbeware.blog/2026/07/23/anthropic-settlement-update-final-settlement-approved/ Rapid-Fire Newsflash Future Fiction Academy: AI & Authorship Survey - https://docs.google.com/forms/d/e/1FAIpQLSctsA4vT3E3dj0FZ3_4R2KzEeWsf-ziqonzbFkwR7RZyzPCDw/viewform  The Indy Author Podcast - https://youtu.be/P7wdCYA2VCo?si=mdg-P1btfkwwdpWs  Twin Flames Studios: How to Fully Leverage Your Audiobook - https://us02web.zoom.us/meeting/register/AYzV78kfTRayVweXp7TXEQ#/registration  Spoken: What Listeners Want: The Edison Results Roundtable (replay) - https://www.spoken.press/spokenroundtable  Gemsy - https://DaleLinks.com/Gemsy (affiliate link). Use code DALESUMMER50 for 50% off till August 20, 2026. The Smashwords Summer/Winter Sale - https://www.smashwords.com/shelves/promos  Other Links The Self-Publishing with Dale Series (on Smashwords) - https://www.smashwords.com/books/byseries/113712  Subscribe to my email newsletter - https://DaleLinks.com/SignUp Join Channel Memberships - https://DaleLinks.com/Memberships Join Me on Discord - https://DaleLinks.com/Discord Check out my main YouTube channel - https://www.youtube.com/@dalelroberts My Books - https://DaleLinks.com/MyBooks  Wanna tip me? Visit https://dalelroberts.gumroad.com/coffee. Where noted, some outbound links financially benefit the channel through affiliate programs. I only endorse programs, products, or services I use and can stand confidently behind. These links do not affect your purchase price and greatly helps to building and growing this channel. Thanks in advance for understanding! - Dale L. Roberts

My fellow pro-growth/progress/abundance Up Wingers in America and around the world:Artificial intelligence is expected to transform the economy, but what about the AI industry itself? Companies across the AI supply chain are now valued in the trillions of dollars. But do the data and current demand justify such lofty expectations, or are investors getting ahead of reality? And when will the AI economy finally begin to live up to the hype?Today on Faster, Please!—The Podcast, I am joined by Azeem Azhar, a Digital Fellow at Stanford's Digital Economy Lab, the founder of Exponential View, a research platform focused on helping leaders understand emerging technologies and their impact on society. He is also the author of The Exponential Age and the co-author of The State of the AI Economy, one of the first serious attempts to measure the size and trajectory of the AI economy from the demand side and know what customers are actually paying for.We discuss where the AI economy stands today, why businesses are still struggling to realize AI's full potential, who stands to capture the greatest gains from the technology, and the roles different countries could play in the “AI Race” between the United States and China.In This Episode:* The AI Economy (0:44)* AI's Return on Investment (6:40)* Will AI Bring an Entrepreneurial Wave? (12:41)* When AI Hits the Bottom Line (17:53)* Who Wins the AI Economy? (23:48)* Europe in the AI Race (30:20)A lightly edited transcript of our conversation will appear in my Week in Review issue on Saturday. (Another option is using the Substack auto transcript function.)But here are some edited highlights from the chat:On AI's creation of abundance…It may look like abundance when you're on the other side before the inflection, but when you're in it, it really looks like a day-to-day grind where you still have to fight for the things that you care about. The notion of abundance in general, I think, defies the realities of physics. You always need energy to get something done.On why AI adoption has been slower than expected…Companies are going through the similar type of process that Paul David describes around electrification, which is that you can put the light bulbs in the workshop—that is the copilot. But to move to the moving assembly line requires a lot more work and a lot more expertise.On AI's challenge for businesses…No business was ever about, “Can we summarize an email quicker than before?” The question is: At what point do AI tools meaningfully come in to make those decisions happen more effectively—either at higher quality, at lower cost, or at higher speed?On why AI may not lead to immediate job losses…Companies realize that there was so much tacit knowledge in their workforce that they just let walk out the door. I think CEOs will start to want to understand: What are we losing when we cut an entire function for an LLM?On whether we know who will win the AI race…If you'd asked me two years ago, the winner was OpenAI, and Anthropic was really just playing around doing God knows what. So I don't think we necessarily know who the biggest winners are. Does Anthropic or OpenAI have a significant role to play in several years time? I'm absolutely sure that will be the case. That doesn't preclude there being other, bigger winners.On Europe's AI opportunity…There's things that states can do, even if they're smaller states like the UK, because they can clear paths, they can help vertical integration, they can get access to the best specific talent. And this is not all about large language models. It's also about models that can stimulate physics or models that can discover new materials.On sale everywhere: The Conservative Futurist: How To Create the Sci-Fi World We Were Promised This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit fasterplease.substack.com/subscribe

This week I'm catching you up on one of the biggest moments of my year so far! Recording BBC Radio 4's The Bottom Line with Evan Davis, Andy Ransom (former CEO of Rentokil) and imposter syndrome expert Dr Valerie Young.The topic? Imposter syndrome, my specialist subject. Except the moment I found out a million people would be tuning in, my own imposter syndrome decided to show up in spectacular fashion. The irony wasn't lost on me.In this solo episode, I'm sharing: 

The Bottom Line with Chois Woodman and Chris Snead tells you what you need to know in the world of sports both locally and nationally, and they read your comments from the chatline. Chois goes over Athalon's Big 12 tiers. The question of the day brought by Evelyna was, Which Texas Tech player that was drafted in April will have the best NFL season? The tell me I'm wrong segment from Chois was, Will Hammond will be on the Big 12 awards list at the end of the season. We end the show with the most interesting facts of the day. 

"Four minutes a day works . . . but not if you are an average or above average person in terms of physical activity level." — Dr. Jocelyn Wittstein  You've seen the headline everywhere: just four minutes of exercise a day is enough. There's a real study behind it — a randomized trial published in PLOS ONE — and the results are genuinely impressive. But the fine print matters. In the first episode of a new occasional series, I put a headline-making study under the microscope with orthopedic surgeon and sports medicine specialist Dr. Jocelyn Wittstein of Duke, who gives it to us straight: yes, no, or yes . . . BUT.  KEY LINKS  The study: "4 minutes of daily exercise" trial (PLOS ONE) is HERE   Dr. Wittstein's book: The Complete Bone and Joint Health Plan is HERE   Follow Dr. Jocelyn Wittstein on Instagram HERE   My AARP article interviewing Dr. Benjamin Levine on reversing heart age is HERE   My AARP article on the Japanese Interval Walking Training program is HERE   The Age Better Cheat Sheet newsletter on Substack is HERE   WHAT YOU'LL LEARN  What the study actually found — and why it applies to people who are inactive with existing mobility limits, not to everyone  The 10-second single-leg balance test, and the eye-opening research on what being able to pass it predicts  The sit-to-stand benchmark Dr. Wittstein checks in clinic — can you get out of a chair without using your arms?  Why the real headline may be compliance: participants did the workout 81% of days for three months  Why four minutes is NOT enough for bone health, heart health, or body composition — and what the research says actually protects your bones  The 7,000-steps finding that's replacing the 10,000-steps myth  "Exercise snacks": how one-minute bouts of movement throughout the day add up  Joint-friendly ways to get real intensity: the Norwegian 4x4, the air bike, Japanese interval walking, and incline treadmill walking that spares your knees  THE BOTTOM LINE  Something is better than nothing — but where you start determines what four minutes can do for you. If you're just getting going, this study is proof that a small, doable daily habit creates meaningful change. If you're already active, keep going: the benefits of exercise are dose-dependent, and four minutes won't maintain what you've built.  LET'S KEEP GOING  If this episode was useful, share it with a friend who needs to hear it, and follow AGE BETTER wherever you listen so you never miss an episode. And for the simple, actionable takeaways from every conversation — including this one — sign up for my newsletter, the Age Better Cheat Sheet, on Substack. I'll see you next week. 

An established business can still operate like a startup behind the scenes. When routine decisions, training, approvals, and critical knowledge continue to depend on the owner, growth becomes harder and the entire operation remains vulnerable.In this episode of It's The Bottom Line that Matters, hosts Jennifer R. Glass and Patricia Reszetylo examine why standard operating procedures become even more important once a business reaches the five-year mark. The methods that helped the founder build the company can eventually turn the founder into its biggest operational bottleneck.The conversation covers how SOPs protect quality, prevent standards from drifting, shorten employee training, and preserve knowledge that might otherwise remain trapped inside the founder or a key employee. Patricia also shares how these issues apply to a chef-driven restaurant whose culinary knowledge must be transferred across distance.Jennifer introduces a practical three-question operational audit: the sick-day test, the text-message tally, and the onboarding clock. Each question reveals where missing documentation, weak training, or excessive dependence on one person may be putting the company at risk.This episode is useful for owners who repeatedly answer “How do I?” questions, personally train every replacement, or worry that the business would slow down if they stepped away.The payoff is a company that can maintain its standards, survive employee turnover, and continue operating without requiring the owner to remain available every hour of every day.Speaker Bios:Jennifer R. Glass helps business owners identify the operational, financial, and decision-making friction that interferes with sustainable growth. Her work focuses on stronger business alignment, practical execution, and building companies that can move forward without constant founder intervention.Patricia Reszetylo works at the intersection of profitability, marketing, business systems, and operational discipline. She helps business owners turn ideas and founder knowledge into practical structures that support better execution, stronger follow-through, and long-term business value.Keywords/Tags:It's The Bottom Line that Matters, Jennifer R. Glass, Patricia Reszetylo, standard operating procedures, SOPs, small business systems, business operations, founder dependency, founder bottleneck, business continuity, process documentation, employee training, onboarding, operational efficiency, business growth, business scalability, quality control, knowledge management, business valuation, succession planning, business owner freedom, established businesses, five-year business mark, repeatable systems, institutional knowledge, operational audit, restaurant systems, AI knowledge base

The Bottom Line with Chois Woodman and Trent Hilliard tells you what you need to know in the world of sports both locally and nationally. Chois brings the question of the day which was, what is the biggest trap game for Texas Tech this upcoming season? Trent has the tell me I'm wrong segment where his statement was, the Dallas Cowboys will play for the NFC championship this season. Lucas has a pop quiz for the guys in which six stadiums host both a college football team and a NFL team, and we end the show with the most interesting facts of the day.

US and the World It is a critical time of the year in grain markets. In many years mid to late July is a time where the market has already decided where this crop is going. 2026 might be a different year. Widespread hot and droughty weather in Western Europe as well as the threat of the same in North America is sending nervousness throughout the grain complex. On top of this we have all the same geopolitical problems in Ukraine and Russia as well as Iran adding to the uncertainty. This is the backdrop as we head into August. On July 10th the USDA released their latest WASDE report. The July USDA WASDE report estimated corn production to come in at 16 billion bushels up from 15.995 billion bushels in June. This was based on a yield which remained at 183 bushels per acre with planted acreage at 95.3 million acres. This remains the second largest corn crop on record if it comes to fruition. New crop ending stocks were lowered 125 million bushels down to 2.02 billion bushels. Corn usage in the United States was increased 50 million bushels from June putting it at 16.255 billion bushels. USDA is predicting the largest soybean crop In U.S. history. The estimate is 4.475 billion bushels with the trendline yield estimate of 53 bushels per acre planted on 85.4 million acres. US new crop ending stocks are set to come in at 310 million bushels with old crop stocks coming in at 330 million bushels. USDA left Brazil’s production unchanged at 180 MMT and Argentina at 50 MMT. Total US wheat production is set at 1.536 billion bushels which is down slightly from last month and the smallest wheat crop on record. On July 24th corn, soybeans and wheat were higher than the last Market Trends report. September 2026 corn futures were at $4.64 a bushel. Dec 2026 corn was at $4.87 bu. The November 2026 soybean futures was at $12.53 bu. The Sept 2026 wheat futures closed at $6.78 a bushel. The Minneapolis Sept 2026 wheat futures closed at $7.14 a bushel with the September 2027 contract closing at $7.46 a bushel. The nearby oil futures as of July 24th, 2026, closed at $89.31/barrel much higher vs the nearby futures recorded in the last Market Trends report of $68.78/barrel. The average price for US ethanol in the US was $2.19/gallon, higher vs the $2.17/gallon recorded in the last Market Trends Report. The Canadian dollar noon rate on July 24th, 2026, was .7096 US, marginally higher vs the .7042 US reported here in the last Market Trends report. The Bank of Canada’s lending rate remained at 2.25%. Ontario In Ontario generally speaking crops are doing excellent. However, as always there are regional variations with extreme drought in some areas of the deep southwest and south-central Ontario. Eastern Ontario has had much better moisture conditions than they did a year ago. As of the 24th of July, rainfall is needed in many areas of the southwest as corn is roping up and soybeans in some cases are wilting. However, there is still a long way of the growing season to go, and rains would cure much of this. As it is, with normal rainfall Ontario should be looking at good crops this fall. Wheat harvest continues across the province with good to excellent yields and quite good quality. Very dry conditions in the deepest part of southwestern Ontario made for a good harvest. However, other areas were not as lucky, and it was more challenging to get wheat dried down in the field. However, it continues in eastern and north central Ontario. So far there are very few quality issues. Basis levels for grains have stayed relatively steady since the last Market Trends report. This is partly due to the relative parity in the value of the Canadian dollar versus what it was three weeks ago at .7042 US. As always, a low Canadian dollar is the stimulus for the Ontario grain cash market. Corn basis levels have been a little stronger and as we go into August that may continue. Old crop corn basis levels are $1.65 to $2.38 over the September 2026 corn futures on July 24th across the province. New crop corn basis levels were $1.65 to $1.94 over Dec 2026 futures. The old crop basis levels for soybeans range from $4.34 to $4.70 over the November 2026 futures. New crop soybeans range from $3.89 to $4.15 over the November 2026 futures. Ontario SRW wheat prices are in flux during harvest by as of July 24th are approximately $8.25. For July 2027 new crop the bid is in the $8.91/bu. range. On July 24th the US replacement price for corn was $7.16/bushel. You can access all these Ontario grain prices in the marketing section at https://gfo.ca/daily-commodity-report/ The Bottom Line Things are all coming together to move markets higher. We have a confluence of issues that are unusual to come together at one time. What we have is the hot and dry heat dome and drought into Western Europe with the possibility of that also manifesting itself in North America. At the same time, we have the Iran US war which is pressuring the oil market which in turn is dragging grains up with it. All of this happening at the same time is unusual for this time of year. Keep in mind where we are seasonally with grain markets. The last week in July is usually one when grain markets put in a top and drop into the fall time. That happens about 85% of the time but this year might be different. We might be into a contra seasonal where the crop is getting smaller, as do ending stocks and the price usually goes higher into the fall. The timing this year seems critical. So, what does this mean? You can make the argument that we have time here to decide which type of market we are in and if you believe prices are going up because forces are coming together to do that, market your grain appropriately and hedge both the downside and upside. That means different things to different farmers and that’s OK, just recognize this current grain environment is incredibly volatile based on the grain fundamentals and our geopolitical concerns. As always, this time of year, weather is such a big concern. Keep in mind, the super El Nino is still out there and affecting crop development worldwide. In a El Nino year Brazil is supposed to be dry. Between Brazil and Argentina, they produced twice as many soybeans as the United States and if El Nino manifests itself in a big way, there could be some real price fireworks. Commodity Specific Comments Corn The drought in Europe has had an effect on the corn market. The Europeans produce about 2.3 billion bushels of corn and import about 800 million every year. This means that they will probably be importing more corn this year which has obvious implications for Ontario corn exports. Keep in mind that these drought concerns whether they be in Europe or the United States are pushing up the price of corn, but it also is reacting to the price of oil. The ongoing tension in Iran and the Strait of Hormuz will continue to have an effect on the price of corn. The September 2026 corn contract is currently priced at 22.5 cents lower than the December 2026 contract a bearish indication of old crop corn demand. Seasonally, we know that corn prices tend to peak in early June and bottom out in early October. The December 2026 corn futures contract is at the 19th percentile of the past five-year price distribution range. Soybeans Soybeans are at contract highs as of July 24th. Of course, this is good news with anybody marketing soybeans but keep in mind these contracts can run very fast with high daily limits. Post those standing market orders optimistically, as they could be hit very quickly. Soybean prices have also been supported by Chinese buying. Yes, they have finally come into the market, and it has been timely for price as US beans are very competitive against South American soybeans. There is a September meeting between President Trump and President Xi, and this may result in even more buying. The August 2026 soybean contract is currently priced 7.75 cents above the September contract considered bullish for old crop soybean demand. Seasonally, soybean prices tend to peak in early July and bottom out in early October. The November 2026 soybean contract is currently at the 37th percentile of the past five-year price distribution range. Wheat The spectre of drought and heat in Europe has had an effect on the wheat market. Keep in mind that all countries in Europe makes it the largest wheat exporter in the world. Combine this with the problems of compromised grain movement in the sea of Azov amid the ongoing war and you have lots of uncertainty. Combine this with the ongoing super El Nino and there could be production problems in other places such as Australia. In Ontario the wheat crop has been relatively good news with good yields and quality. Quality is always a problem with wheat but for whatever reason this year including the good management of Ontario wheat producers that is not much of a concern. What has been good has been a cash price rally in wheat at harvest time which has pushed prices up over $2.00 a bushel higher than a year ago. The Bottom Line (cont.) The Canadian dollar continues to flutter around the $0.71 level US which is helping Ontario grain prices. It is always a constant with regard to cash prices and can act as a buffer but in a grain environment where futures are rising significantly it can also act as a supercharger to cash prices. This is the environment that we are in now. If grain futures prices get spooked by heat domes and geopolitical concerns further, it will have an accelerating effect on Ontario cash grain values. The Canadian dollar is a thinly traded currency, but it has recently been affected by the aggressive nature of the American administration. President Trump has announced 50% tariffs on an assortment of Canadian goods going into the United States starting possibly on August the 19th. Canadians were gobsmacked by this move and so was the government. Serious trade negotiations are about to commence. Regardless of why it happened this is the type of geopolitical concern that really affects the value of the Canadian dollar. Farmers need to be concerned and watchful over the next several weeks to see where the Canadian dollar goes. With all of this going on it is important to not be crossways with the trend, and the trend is up for prices. However, in this environment volatility is usually running wild. That yet may happen especially depending on a heat dome moving in as well as geopolitical concerns in Iran and Ukraine and Russia. This is all happening without a Black Swan event, but yet again a Black Swan can always happen and with that, we always have to be ready. Keep in mind that August is always the month that determines soybean yield historically. Also keep in mind, that soybeans are the great liars but at the end of the day always tell the truth. So, they will need rain, just like we need in stretches across southern Ontario. The challenge for Ontario farmers is to hone their marketing plans in this growing bullish grain environment. Have those standing market orders ready and if they hit, set some more even more optimistically. At the same time risk management never grows old. Hedging our risks is always a good thing. At the end of the day, there will be many marketing opportunities. Daily market intelligence will remain key. The post Market Trends Report – July & August 2026 appeared first on Grain Farmers of Ontario.

Host Jesse Jackson welcomes Dallas sportswriter Tim Cowlishaw to discuss why Dallas teams are leaving the American Airlines Center area and the impact on fans, then shifts to music and Tim's Springsteen origin story. Tim recounts growing up between New Jersey and Texas, early influences like musicals and the Beatles, and discovering Bruce via a 1974 Columbia “Say Hello to Last Year's Genius” radio ad. He describes a canceled 1974 Sportatorium show, then seeing Springsteen up close at The Bottom Line in 1975 and attending about 30 shows, including a 1984 Chicago trip on the Born in the U.S.A. tour. Tim shares views on setlists and political talk on recent tours, praises The Wild, the Innocent & the E Street Shuffle and the book Tonight in Jungland, reflects on Bruce's work ethic, and discusses favorites like Taylor Swift, Radiohead, and The National, plus Cowboys and writing life. https://a.co/d/04IjQ10n 00:00 Welcome to the Podcast 01:02 Dallas Teams Leaving Downtown 04:40 From Tulsa to Texas Roots 06:32 King Biscuit Bruce Discovery 08:19 First Shows and Close Calls 13:53 Chasing Tours and Great Seats 19:56 Setlists and Political Talk 21:17 Favorite Album and Studio Lore 24:24 Books and Nebraska Film Debate 25:31 Selling Out Debate 26:00 Springsteen Work Ethic 28:16 Columns And Retirement 29:43 Mavs Ownership Rants 32:50 Taylor Swift Live 35:50 Radiohead Berlin Trip 38:54 Cowboys Season Outlook 40:40 Around The Horn Farewell 41:15 Thunder Road Mary 43:11 Backstreets Terry Mystery 45:13 Wrap Up And Thanks Learn more about your ad choices. Visit megaphone.fm/adchoices

If you have any questions please contact Asset Growth Associates Tax & Retirement Advisors located at 1391 Calder Avenue in Beaumont. You can also call also call (409) 840-6900.

Money sets off the riot in Ephesus, when a silversmith realizes the gospel is bad for the idol business. He dresses up his profit motive in religious language, the crowd picks up the chant, and soon the whole city is roaring for two hours without most of them knowing why they came. Underneath the noise sits a real claim: the message about Jesus was actually changing how people lived and spent, and the gospel still disturbs the arrangements we have built our security on. This episode looks at what happens when the truth touches someone's bottom line.  The Rev. Dr. Adam Koontz, pastor of Redeemer Lutheran Church in Oakmont, PA, joins the Rev. Dr. Phil Booe to study Acts 19:21-41.  To learn more about Redeemer Lutheran in Oakmont, visit redeemer-oakmont.org. The book of Acts picks up where the Gospels leave off. Jesus has risen. He has ascended. And now what? Acts answers that question. Luke tells the story of how the Holy Spirit built the Church from a handful of frightened disciples in Jerusalem into a movement that reached Rome itself. Along the way, you get Pentecost, the first sermons, the first martyrs, the conversion of Paul, the first church councils, shipwrecks, riots, and the persistent, stubborn work of God through Word and Sacrament even when His people didn't have a plan. If you've ever wondered how we got from Easter morning to the Church you sit in today, this is the book. Tune in for this new series on Thy Strong Word with Pastor Phil Booe and guest pastors as we open up the Book of Acts.  Thy Strong Word, hosted by Rev. Dr. Phil Booe, pastor of St. John Lutheran Church of Luverne, MN, reveals the light of our salvation in Christ through study of God's Word, breaking our darkness with His redeeming light. Each weekday, two pastors fix our eyes on Jesus by considering Holy Scripture, verse by verse, in order to be strengthened in the Word and be equipped to faithfully serve in our daily vocations. Submit comments or questions to: thystrongword@kfuo.org.

From breakthrough products and inspiring leadership to marketing disasters and strategic own goals, a panel of business leaders choose the winners and losers from the last 12 months in business. Evan Davis hosts The Bottom Line's unofficial annual awards, where the only prizes are the praise or pillory of the judges.Guests: Nicola Hodson, Deputy President, techUK Peter Bazalgette, former Chair, ITV Edwina Dunn, Co-founder, dunnhumby Production team: Presenter: Evan Davis Producers: Sally Abrahams and Nick Holland Sound engineers: Dave O'Neill and Tim Heffer Production Co-ordinator: Katie Morrison

How to Stop Teen Push Back: The Brain Science of Conflict Management Picture this: It's Tuesday night. You ask your teenager a simple, reasonable question about their homework or chores. Suddenly, you're locked in a high-stakes standoff. Doors slam, voices rise, and before you know it, you're launching into a passionate, well-meaning lecture that you know they aren't listening to. We've all been there. As parents of adolescents, it's easy to feel like every interaction is a potential landmine. But what if the secret to ending teen pushback isn't arguing louder or laying down the law harder? What if the key is actually understanding the brain science behind the blowup? In this episode of The Impactful Parent, host Kristina Campos sits down with Mitch Weisberg—seasoned educator, conflict resolution trainer, and author of Mindshifting: Conflict and Collaboration. Together, they break down why well-meaning lectures backfire and how science-backed questions can flip your household script from chaos to genuine collaboration.   Episode Chapters: 00:00 - The Tuesday night standoff & brain science behind blowups 02:00 - Why your brain leaves the building in survival mode 02:56 - Conflict languages & non-complimentary statements 04:22 - Why lectures always backfire with teenagers 06:26 - The 5 Conflict Styles (Compete, Avoid, Accommodate, Collaborate, Negotiate) 10:23 - Parenting as mini-experiments & learning from feedback 12:46 - 3 immediate mind-shift tools for reactive parents 16:36 - How to ask curiosity-driven questions instead of lecturing 20:47 - Using strengths-based feedback to lower defenses 22:38 - The "Perhaps I Can" technique to boost teen confidence 26:45 - Overview of Mindshifting: Conflict and Collaboration 29:13 - The #1 fundamental truth for overwhelmed parents  

Host Jesse Jackson welcomes Dallas sportswriter Tim Cowlishaw to Set Lusting Bruce, beginning with a discussion about Dallas teams potentially leaving the American Airlines Center area and the impact on fans and downtown. Cowlishaw shares his upbringing in Tulsa, New Jersey, and Texas, early musical influences like Beatles and The Who, and how a King Biscuit Flower Hour Columbia Records ad led him to Bruce Springsteen's The Wild, the Innocent & the E Street Shuffle. He recounts a canceled 1974 Dallas show and finally seeing Springsteen up close at The Bottom Line in 1975, leading to roughly 30 concerts over the years, including 1984 Chicago shows. They discuss setlist predictability, Bruce's political remarks on recent tours, favorite albums and books, and how Springsteen's work ethic influenced Cowlishaw's writing, along with talk of Taylor Swift, Radiohead, and the “Does Mary get in the car?” question. 00:00 Podcast Welcome 00:50 Dallas Teams Leaving 04:40 Growing Up With Music 06:32 Discovering Bruce 08:19 First Show Cancelled 09:20 Bottom Line Breakthrough 13:12 Chasing Shows Stories 19:21 Setlists And Politics 21:17 Favorite Albums And Books 24:24 Nebraska Movie Debate 26:00 Writing Influences 26:33 Bruce Work Ethic Lesson 28:16 Still Writing Columns 29:43 Mavs Missteps Brunson 32:50 Taylor Swift Live 35:50 Radiohead Berlin Trip 38:54 Cowboys Season Outlook 40:30 Around the Horn Reflections 41:15 Thunder Road Mary Debate 43:11 Backstreets Terry Meaning 45:13 Wrap Up Social Links Learn more about your ad choices. Visit megaphone.fm/adchoices

Double Tap - Ep 471 JULY 20, 2026 PRESENTED BY This episode of Double Tap is brought to you by: Foxtrot Mike (Code: WLSISLIFE) Gideon Optics (Code: WLSISLIFE) Rost Martin (Code: WLSISLIFE) Otis Technology (Code: WELIKESHOOTING15) Flatline Fiber Co (Code: WLS15) Giveaways!! GAW   Text Dear WLS or Reviews +1 743 500 2171 Public   Show Titles   GOA GOALS Aug 1-2 in Iowa. https://goals.goa.org/ Dear WLS Question from Mitch C What is the cast's opinion on the most minimalist gun to carry and method of carry? I don't usually carry my Sig P365 on me because of work and the movements I do. It's not because of any gay ass work place policy, I'm just a bitch I guess. But I do want to carry more and the Bodyguard 2.0 caught my attention for either pocket carry or just the tiniest gun and holster that isn't too intrusive to me rolling on the ground, climbing ladders, or other manual labor that's currently keeping me from carrying my 365. What's the smallest you would go? .25 ACP? Life card (JK LOL)? I know none of those options are as good as 9 but I'm thinking something is better than hopes and prayers if I need it. Question from Two Right Bear Arms Have you had a chance to run a magnifier optic behind a Mediator XL? Is Gideon making a magnifier for it already? Do you even like magnifier optics? #Gideonverse no notes Question from Tony D I'd like to use the under-bed storage in my RV to stash some firearms, ammo, and gear are there any good products for organizing that kind of space out would I be better off building something custom? Question from Nick B Looking to build a trash panda from the gatalog and was wondering if there would be any issues going 338 arc suppressed since it wasn't originally designed for it. Any suggestion on spec comparisons I should be looking at to see if I can go this route? Thanks Question from Spank Me Jeremy I recently got a new pistol. I plan to put niightfision sights on it. My question is should I get the normal sight height or get the red dot height in case I put an optic on it? Does having the optic height one mess with how you shoot if you don't have an optic on the pistol? Question from AinYourFace A couple of episodes ago, probably 20 by the time this gets read, Shawn dropped the “when I used to work at Dragon Man.” How have I not heard about this before. I have never been there but it seems like a crazy place and some big personalities. How about a short, non-hunting story, rundown of what is was like working there? #SSB Gun Industry News Tokarev TT-12 PRO 12GA Semi-Auto Shotgun The Tokarev TT-12 PRO is a 2025 AR/M4-style 12 gauge semi-automatic shotgun featuring fully ambidextrous controls, modular aluminum receiver with M-LOK handguard and Picatinny rails, reversible charging handle, Cerakote finish, and compatibility with MKA/T-Trident9 magazines. It is designed for tactical, competition, and home defense use, includes one magazine, sling, choke tube kit, polymer flip-up sights, and owner's manual. The product carries a 1-year limited warranty followed by a lifetime service plan. The Gist: Availability: 2025 model, currently available for purchase Bottom Line: Key specs/features: 12GA semi-auto, AR/M4 ergonomics, ambidextrous controls, M-LOK handguard, modular aluminum receiver, Cerakote finish, AR-compatible stock/grip, includes choke tubes (Cylinder/Modified/Full), 1-year warranty + lifetime service plan Weatherby Model 307 MZY Muzzleloader Weatherby has released its first muzzleloader, the Model 307 MZY, an inline ignition front-loader built on the modular Model 307 centerfire platform. It features a sealed breech, Arrowhead Gen2 reusable primer housing system (ships with 20 modules, each reusable up to 30 shots), and is designed for smokeless powder loads to deliver centerfire-like precision and performance. The rifle is positioned as a premium option for hunters in states restricting modern firearms. The Gist: Announced July 17, 2026; available for purchase via Weatherby's website Impact: MSRP $2,699–$2,849 ($2,849 with Williams Precision iron sights); additional $140 for 20 reusable Arrowhead Gen2 primer housing modules Bottom Line: .45 or .50 caliber; 26″ barrel + 2″ muzzle brake (1:20 twist .45, 1:26 twist .50); carbon-fiber stock with 3DHEX recoil pad, 7.1 lbs unloaded, 45″ OAL, 13.25″ LOP; sealed inline ignition for Blackhorn 209 or similar smokeless powder Federal Premium Shipping Fit Coil Rifle Covers, Suppressor Cases and Quick Strike Muzzle/Scope Covers Federal Premium announced that its new suppressor cases (model FHGCCTAN), Fit Coil Rifle Covers (models FFCOILM, FFCOILL, FFCOILXL) and Fit Quick Strike Muzzle/Scope Covers (models FFQSM, FFQSL, FFQSXL) are now shipping to dealers as of July 2026. The products feature heat-resistant linings, adjustable or stretch-fit designs, and protective elements for suppressed firearms and optics. Federal's Accessories Product Director Jake Jacobs highlighted the suppressor case's dual role as both storage and an “oven mitt” for hot cans. The Gist: Now shipping to dealers (July 2026) Impact: Suppressor Case $39.99 MSRP; Fit Coil Rifle Cover $59.99 MSRP each; Quick Strike Cover $49.99 MSRP each Bottom Line: Suppressor Case (Coyote Tan, ≤10″ cans): rugged materials, zippered pocket, heat-resistant lining, side-pinch pockets, full-length zipper/T-handle; Fit Coil Rifle Cover: roll-up adjustable length, suppressor-ready, heat-resistant muzzle area, quick-grab handle; Quick Strike Cover: stretch-fit, fast-deploying for scope and muzzle protection Sk Guns Julius Caesar Ancient Power In Limited Steel 44829511 https://pew.report/c/L1l3Xp 33 Weight Reduction New 1791 Industries Literaider Mmc Receivers 44829508 https://pew.report/c/5HYLTa T.REX Arms Titan Active Retention Holster T.REX Arms has released the Titan, a precision-formed 0.125″ Kydex active retention holster featuring a robust locking mechanism with glass-filled nylon parts, stainless steel fasteners, and a single-component ejection port lock/spring/button. It offers adjustable passive retention, automatic optic shroud release on draw (compatible with optics up to Trijicon SRO), and is engineered to fail open. The holster supports Glock, Sig, S&W, Walther, and Staccato pistols with Streamlight or Surefire lights, pairs with the T.REX LINK belt mount, and includes a lifetime warranty. The Gist: Available now (released July 16, 2026) via T.REX Arms website Bottom Line: Precision-formed Kydex shell; active retention via ejection port lock; adjustable passive retention; compatible with listed pistols, weapon lights, and optics up to Trijicon SRO; works with multiple belt mounts; fails open for safety Bell Carlson Introduces 8 5 Inch Universal Arca Rail 2 https://pew.report/c/n3rhHU Show Low Mfg Blackjack Omega 9mm – 200 Built, None Repeated Show Low Manufacturing and CNC Firearms collaborated on the Blackjack Omega, a limited-edition 9mm pistol based on the Blackjack platform with a proprietary Roll-Pin delay system for reduced recoil. It features a 9-inch threaded barrel, CZ Scorpion magazine compatibility, HIPERFIRE XAK Mark 2 trigger, A3 Industries aluminum folding brace, and two-tone FDE Cerakote finish. Production is limited to 200 sequential units with none repeated. The Gist: Availability: Limited to 200 sequential units (none repeated); available via https://www.cncfirearms.com/product-page/show-low-blackjack-omega-9mm-pistol-9 Impact: Cost: $1,999.99 Bottom Line: Key specs/features: 9mm pistol with proprietary Roll-Pin delayed blowback system, 9-inch threaded barrel, CZ Scorpion mag compatibility, HIPERFIRE XAK Mark 2 flat-faced trigger (sub-2 lb pull with HIPERSHOE), A3 Industries aluminum folding brace, two-tone FDE Cerakote finish Phlster Enigma Micro for Pocket Pistols Phlster has introduced the Enigma Micro, a patented beltless concealed carry holster system designed for micro-compact pistols such as the S&W Bodyguard 2. The system comes fully assembled with holster, faceplate, and patent-pending CamWing pre-configured for the specific gun, ready to carry out of the box. It is worn over underwear with clothes over it and allows on-body adjustment of concealment, ride height, cant, and retention without removing the system. The Gist: Announced July 13, 2026; available via phlsterholsters.com Bottom Line: Integral belt and mounting platform; fully assembled with pre-configured CamWing; on-body adjustable concealment, ride height, cant, and retention without removal or swapping parts FarrowTech FT-M Kit for KelTec P17 The FarrowTech FT-M kit converts the KelTec P17 .22LR pistol into a compact replica of the M6D Magnum pistol from the Halo video game series. The kit includes two slide covers (one RMR optic cut, one with iron sights), two magazine bases, hardware, and installation tools. It uses 3D-printed housing with machined metal parts, is fully reversible with no permanent modifications, and carries a lifetime warranty. The Gist: Available now (article published July 13, 2026); ships in black, grey Cerakote version coming soon Impact: $95 (reduced from $105) Bottom Line: Reversible screw-swap installation; fits 6.7″ long / 5.3″ tall P17 to mimic scaled-down 10.51″ / 10.83″ M6D; reliable function over 500+ rounds but with noted trigger guard interference and slide stop pinch KAK Industries DBC Bolt Carrier for Forced Reset Triggers KAK Industries released the DBC (Dead-Blow Carrier) bolt carrier, featuring an internal floating weight in the carrier tail that provides a dead-blow effect to eliminate bolt bounce. It is engineered specifically to enable reliable function of forced reset triggers (

The role of the CFO is evolving rapidly. Finance leaders are expected to drive ​​strategy, manage risk, and deliver deeper business insight while navigating ​​​increasingly complex technology landscapes. In this episode, Owen McDonald ​​is joined by Gareth Priest, Chief Product Officer of Bottomline, to discuss how ​​the Office of the CFO is adapting in the age of AI.Together, they explore how disconnected data impacts decision-making, where ​AI is delivering value beyond automation, and why connected finance ​ecosystems are critical to managing risk and driving better business outcomes.#AI #FinanceTransformation #AIInFinance #OfficeOfTheCFO

How do you stop being the bottleneck in your business? For many founders and managers, the problem starts with something that feels responsible: stepping in, fixing mistakes, answering every question, and approving every important decision.In this episode of It's The Bottom Line that Matters, Jennifer R. Glass and Patricia Reszetylo examine how owner dependence develops and why constantly rescuing employees can train a team to stop thinking for themselves. Delegating tasks does little good when every meaningful judgment still comes back to the owner.The conversation explores reverse delegation, decision authority, financial guardrails, and the difference between teaching someone to complete a task and training them to think through a problem. Jennifer introduces a simple 30-day cruise scenario for identifying the part of a business most likely to break when the owner disappears.Patricia connects the discussion to business systems and transferability. When relationships, processes, and institutional knowledge live primarily in the owner's head or phone, the business may be far less transferable than the owner believes.The episode also lays out a seven-day hands-off experiment: choose one recurring decision, establish clear guardrails, give a team member authority to make the final call, step back, and audit the results after one week.For founders, entrepreneurs, and managers trying to build a business that can operate without constant intervention, this episode offers a practical look at leadership bottlenecks, delegation, team decision-making, and the systems required to step out of the middle.Check out our "Indispensable Scorecard" that we referenced in the episode and see how you can help your business by letting yourself become obsolete!Speaker Bios:Jennifer R. Glass:Jennifer R. Glass brings a practical business-growth and leadership perspective to conversations about decision-making, operational friction, and the systems that keep businesses moving. In this episode, she examines how owners accidentally train teams to stop thinking and offers practical ways to transfer decision authority without removing accountability.Patricia Reszetylo:Patricia Reszetylo focuses on profitability, marketing, business systems, and operational discipline. In this episode, she connects owner dependence to training, business transferability, and the need to build processes that a reasonably qualified person can understand and operate.Keywords/Tags: It's The Bottom Line that Matters, Jennifer R. Glass, Patricia Reszetylo, business owner bottleneck, delegation, decision making, employee empowerment, leadership, business systems, owner dependence, reverse delegation, business transferability, business value, founder bottleneck, management, team training, decision authority, operational systems, business growth, scalable business, business leadership, business ownership, seven day hands off experiment, 30 day cruise test, process ownership, organizational leadership, business operations, founder dependence

In today's episode, Dr. Janet Pilcher implements her own advice to “face the brutal facts” in education. As educational leaders in both K12 and higher education face a changing landscape, Dr. Pilcher explains that it's crucial for leaders to attend to the bottom line to provide what's best for students. Listen as she encourages the practice of facing the brutal facts and responding in positive ways by using scorecards and short cycles of improvement; having open conversations with other leaders; helping people understand where they've been, where they are now, how they got to where they are now; tracking progress; engaging in problem-solving discussions; and making decisions even when they are difficult. Recommended Resources:  Drive Student Achievement with Scorecards, Get Aligned: Strategic Plans, Scorecards, and Measures that Matter Follow Host Dr. Janet Pilcher on LinkedIn: https://www.linkedin.com/in/janetpilcher/ 

Today's pain point? Ghosting. You probably call it being overwhelmed. We call it hiding.

Our first study on 1 Peter! I hope you will stick with me all the way through 11 Peter!Do you ever worry or fret? Do you ever get scared or anxious? God has given us a bottom line foundation so we never have to do any of that. Peter has written a letter to forewarn a group of Christians in the Turkey area that times are going to get rough. But in that God has already prepared them to be able to manage all the persecution with joy.For you as a Christainl, God has also prepared you for anything and everything ahead of you so you can be full of joy no matter what. Take a listen.

The Bottom Line has been on BBC Radio 4 for twenty years. The programme was first broadcast in 2006. Back then smartphones weren't on sale, Facebook had only just gone public and people still went to Blockbuster to rent videos and DVDs. Tony Blair was prime minister, a litre of fuel cost 90p and interest rates stood at 4.5 per cent. Since then there's been a financial crash, we've had energy price shocks, Brexit and a pandemic. Evan Davis is joined by a panel of guests, who first appeared in the early years of the show, to reflect on how the business landscape has changed over that period of time. Guests: Nicola Horlick: CEO of Money & Co Robin Wight: Advertising Guru Kim Winser: Luxury Brand Consultant Alex Cheatle: CEO and founder of Ten Lifestyle Group PlcPresenter: Evan Davis Producer: Sally Abrahams & Nick Holland Sound: Dave O'Neil Production Coordinator: Katie Morrison Editor Sam Bonham

Original Air Date: July 18, 2026 Episode Number: 468Episode SummarySome exterior surfaces are one-way doors. You can paint them -- but once you do, something changes permanently, or close enough to it that you should know what you're signing up for before you start. Dan opens with a story about a pair of jeans he turned into extremely short shorts without measuring first, and uses it to frame a conversation about five exterior surfaces where the same logic applies: brick, foundation, natural stone, decks, and vinyl siding.Timestamps[00:00] -- Points of No Return[00:56] -- Jorts Origin Story[02:31] -- Cut Once, Regret[06:06] -- Neighbor Catches You[07:30] -- Painting One-Way Doors[10:40] -- Brick Painting Reality[14:03] -- Brick Breathability and Options[15:17] -- Foundation Paint Tradeoffs[17:00] -- Moisture and Cracks Warning[18:54] -- Natural Stone Teaser[19:38] -- Natural Stone Risks[21:33] -- Updating Dated Stone[22:40] -- Resale Impact Warning[24:04] -- Why Deck Paint Fails[25:18] -- Stain vs. Paint[27:32] -- Removing Deck Paint[28:57] -- Vinyl Siding Setup[31:58] -- Color, Heat, and Warping[35:04] -- Vinyl Safe Colors[36:41] -- Best Practice Checklist[37:28] -- Get Expert Help[38:21] -- Car Show Wrap UpThe Jorts Story [00:56]Dan had a pair of blown-out jeans he decided to cut into work shorts. He eyeballed the cut instead of measuring. Part of his brain told him not to. He ignored it. The resulting shorts were dramatically too short -- Daisy Dukes, his word -- and he wore them up a ladder in the backyard because there was no other option. His neighbor appeared, smirked, and delivered the full measure-twice-cut-once speech. No photos exist.Brick [10:40]Painted brick is permanent for all practical purposes. Stripping paint off brick is expensive and usually damages the face. That means when you paint brick, you're not just picking a color -- you're becoming a painted brick house, likely forever.Two other things to keep in mind: you're creating maintenance that didn't exist before (a painted surface will need refreshing every 5-10 years), and you need the right product. Standard paint can trap moisture inside the masonry, and in Michigan winters, freeze-thaw cycles can cause spalling -- the face of the brick literally flaking off.For a better option, RepcoLite carries Roma Bio Limewash and Roma Bio Mineral Paint. Both are breathable and bond with the brick rather than sitting on top of it. They create a great old-world look and mostly sidestep the moisture problems. Still a point of no return, but a much lower-maintenance one.Foundation [15:17]Same logic as brick. Concrete block and poured concrete are porous and move moisture. Once you paint them, you're on a maintenance cycle. Before painting, address any efflorescence (white, fuzzy salt deposits), persistent peeling, or visible water intrusion -- paint won't fix those, it'll just cover the symptoms. And don't paint over foundation cracks without understanding what caused them. Ayers Basement Systems can evaluate for free in most cases.Natural Stone [19:38]What makes natural stone beautiful is the variation -- every piece is different, the light catches the texture differently, it has depth. Painting it covers all of that. The texture stays, but the richness is gone. Sometimes painted stone looks great. Sometimes it ends up looking a little fake. Worth thinking about before you open the can.If the stone is genuinely dated and you want to update it, a solid color is a reasonable fix -- but if you're planning to sell the house soon, be cautious. There's a portion of buyers who will see painted-over fieldstone as a problem. Since getting that paint back off is essentially the same story as brick, it's their problem too.Decks [24:04]A deck is one of the harshest environments on a property. Rain, snow, sun, foot traffic, patio furniture -- it's brutal on a film-forming coating like paint. When deck paint eventually fails, it chips, cracks, and peels, and refreshing it means scraping and sanding before you can recoat. It's a much harder maintenance cycle than most people expect going in.For most decks, a quality deck stain is a better answer. It wears out by fading, and when it's time to refresh, you clean and recoat. For decks in rough enough shape that you need solid coverage, look at WoodLux or RepcoLite WoodMaster -- both deliver an opaque look but form a thinner, more breathable coating than paint that handles the wood's expansion and contraction better.If you've already got paint on a deck and need to remove it, RepcoLite rents a floor sander that's built for the job. It's still not fun, but it's the best option available.Vinyl Siding [28:57]The point of no return here is color. Darker colors absorb more heat. If the new color you choose is significantly darker than the original vinyl color, the panels can absorb enough heat to expand beyond what they're designed for -- causing warping, buckling, or sagging. Once that happens, it's permanent. Repainting lighter can slow or stop it from getting worse, but won't undo what's already warped. This is not rare. Look at houses in your neighborhood and you'll find examples.Benjamin Moore has a collection of about 75 vinyl safe colors formulated with pigments that reflect more infrared heat, so a darker-looking color doesn't absorb heat the same way a standard formula would. These are a real step forward -- but they're not a blank check. The quality and thickness of your vinyl, your sun exposure, and whether you're using the right paint product all factor in. Vinyl safe colors are intended for use in Regal Select, Aura, or Element Guard specifically.Dan's checklist: check your vinyl manufacturer's repainting recommendations, use a Benjamin Moore vinyl safe color, use it in Regal Select, Aura, or Element Guard, and don't push dramatically darker than the original color if you can help it.Bottom Line [37:28]For any of these surfaces, stop into any RepcoLite before you start. Bring pictures, bring samples, bring whatever you've got. The staff can help you work through the right product, the right color, and the right approach so you're not finding out what you didn't know on the back end of a project you can't undo.EventsCar show at Lakewood RepcoLite -- July 18, 11 a.m. to 2 p.m. Classic cars, trucks, motorcycles, and the Corvette Club. Free admission, Hudsonville ice cream while it lasts. Some construction out front but you can get through. Dan will be there.Products MentionedRoma Bio Limewash -- Breathable masonry finish for brick; available at RepcoLiteRoma Bio Mineral Paint -- Breathable mineral-based option for brick; available at RepcoLiteAyers Basement Systems -- Foundation crack evaluation (typically free)WoodLux -- Solid color deck stain; available at RepcoLiteRepcoLite WoodMaster -- Solid color deck stain; available at RepcoLiteRepcoLite floor sander rental -- For removing deck paint; ask in storeBenjamin Moore vinyl safe color collection -- ~75 colors formulated for vinyl siding; available at RepcoLiteBenjamin Moore Regal Select, Aura, Element Guard -- Products where vinyl safe formulations are availableFind the ShowEpisodes available anytime at repcolite.com -- click the On the Radio tab.Home In Progress | RepcoLite Paints | Sponsored by Benjamin Moore

We talk with Councilmember Eugene Green about the Blue Green Corridors project in Gentilly and about the Sewerage and Water Board's struggles.

Many of you dream of making a living as a writer. Well, today's episode features just the guest you need to learn from. Jane Friedman has spent many years in the publishing industry and knows a thing or two about what it takes to build a solid business of being a writer.Jane shares from her wealth of experience, and we get to talk shop about what it means to be emotionally resilient and set realistic expectations. We also discuss the nitty-gritty details of how to establish your writing business, like balancing income streams, integrating art, and avoiding the rabbit hole of social media toxicity.Jane has spent nearly 25 years working in the book publishing industry, with a focus on author education and trend reporting. She is the editor of The Bottom Line, the essential publishing industry newsletter for authors, and her latest book is The Business of Being a Writer, Second Edition (University of Chicago Press), which received a starred review from Library Journal.If you've thought about pursuing a career as a writer, this episode covers the essentials for success. Listen in now!Get to know Jane:WebsiteInstagram @janefriedmanFacebook @janefriedmanJoin the free newsletter, Electric SpeedBook recommendation: How to Say Goodbye, by Wendy MacNaughtonFollow me on:Instagram @stacyennisFacebook @stacyenniscreativeLinkedInYouTube @stacyennisauthorTo submit a question, email hello@stacyennis.com or join my http://stacyennis.com/join and fill out the form on the page.

Real estate agents and lenders get the VA loan wrong constantly, and it's costing veterans and service members one of the most powerful financial tools they'll ever have access to. In this episode, I break down 11 of the most common lies I hear from agents and lenders who either don't understand the VA loan or don't want to learn it because it cuts into their commission. I'm a licensed agent, licensed lender, and VA loan expert, and I'm done watching people get talked out of the best mortgage in the world.   Timestamps (00:00) - Intro (00:27) - Lie #1: You Can Only Use the VA Loan Once (01:57) - Lie #2: The Inspection Kills Deals (03:33) - Lie #3: VA Appraisals Always Come In Low (04:24) - Tidewater and Reconsideration of Value (07:06) - Lie #4: Sellers Won't Accept VA Offers (10:03) - Lie #5: VA Loans Take Longer to Close (11:51) - Lie #6: You Can't Buy from a House Flipper (12:51) - Lie #7: Closing Costs Block the Deal (14:12) - Lie #8: VA Buyers Are Risky or Less Qualified (15:09) - Lie #9: The Funding Fee Makes It a Bad Deal (16:33) - Lie #10: You Can't Buy an Investment Property (17:25) - Lie #11: VA Loans Are Complicated (17:42) - The Bottom Line on VA Loans   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Join our investor list: https://www.frommilitarytomillionaire.com/investors Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire   Produced by ⁠UNFLTR

Going analog in business does not mean throwing away the computer or abandoning every digital tool. It means asking a harder question: does the technology you are using still make the business easier, more profitable, or more effective?In this episode of It's The Bottom Line that Matters, Jennifer R. Glass and Patricia Reszetylo examine the growing pile of software subscriptions, browser tabs, online systems, and digital habits that can quietly create more work for small business owners.The conversation looks at where digital systems clearly earn their place, including CRM and customer follow-up, and where an analog approach may create greater clarity. Whiteboards, physical planning systems, phone calls, and face-to-face conversations can still have strategic value when the business outcome supports them.Jennifer and Patricia also explore the human side of going analog. A Zoom meeting may be the most practical option when clients are hundreds of miles away. A local prospect may remember the business owner who showed up with coffee, shook a hand, and had a real conversation.The episode also revisits older business systems such as the physical tickler file and connects them to modern CRM automation. Many digital tools are extensions of processes businesses used long before today's software existed. Understanding the process can make it easier to decide which technology is actually worth keeping.For small business owners feeling overwhelmed by subscriptions, open tabs, and constant connectivity, this episode offers a practical reminder: choose technology based on strategic value. The best business system may be digital, analog, or a deliberate combination of both.Check out our "The Digital Detox & Profit Audit" for ways you can help restore some semblance of sanity in your business.Speaker Bios:Jennifer R. Glass is a business growth strategist and cohost of It's The Bottom Line that Matters. Her work focuses on the decisions, systems, customer experience issues, and execution gaps that affect business growth and revenue.Patricia Reszetylo is a marketer, business systems strategist, and cohost of It's The Bottom Line that Matters. Her work focuses on follow-through, business systems, operational discipline, and helping business owners turn opportunity into practical execution.Keywords/Tags: It's The Bottom Line that Matters, Jennifer R. Glass, Patricia Reszetylo, going analog, analog business systems, small business technology, technology audit, digital overload, software subscriptions, subscription costs, tech stack, business systems, business productivity, small business productivity, human connection, customer relationships, CRM, customer follow-up, tickler file, workflow systems, business automation, digital tools, business operations, strategic technology, browser tabs, task switching, business efficiency, small business owners, entrepreneurship, hybrid business systems

Small Tweaks, Big Profits: 4 Tiny Changes That Add Five FiguresAre you looking for ways to increase profit without raising your prices across the board or completely overhauling your business?In this episode of the Female emPOWERed Podcast, Christa Gurka shares four simple, high-impact strategies that Pilates studios, cash-based physical therapy practices, and boutique fitness businesses can implement immediately. These small 1–10% improvements can dramatically improve profitability, retention, and client value—without requiring more clients or more hours. In This Episode, You'll Learn: How small pricing adjustments can add five figures in annual profit  The pricing strategy you can build into contracts without making future announcements  Why improving retention is more profitable than constantly chasing new leads  How to identify "quiet quitters" before they cancel  The simple question every team member should ask to create natural upsell opportunities  Creative ways to increase revenue without raising your base membership prices  How seven-figure business owners think differently about pricing and profitability Key Takeaways✔️ Small pricing and policy changes often create bigger profit than major overhauls.✔️ Monitor client behavior early—attendance patterns predict cancellations long before clients officially leave.✔️ Upselling should feel like helping clients, not selling to them.✔️ Simplifying offers and reducing decision fatigue leads to better conversions.✔️ The most successful business owners don't reject new ideas—they ask how they can make them work in their business. ResourcesReady to build a more profitable, scalable business?

Using AI as a strategic business partner is becoming one of the most practical ways small business owners can improve focus, planning, and execution without immediately building a larger team.In this episode of It's The Bottom Line that Matters, Jennifer R. Glass and Patricia Reszetylo talk through how they use AI in their own businesses, from brainstorming and business advising to chief-of-staff support and project-specific planning.The conversation covers the shift from using ChatGPT as a general tool to building more focused AI projects that support specific business needs. Patricia shares how AI helped her think more clearly as a CEO, while Jennifer explains how her AI chief of staff helps keep priorities and progress on track.They also touch on the difference between chat-based AI tools and AI agents. Patricia offers a simple way to understand the difference: a chatbot is more like a pen pal, while an AI agent is closer to a trained employee that can eventually complete work with less constant instruction.This episode is especially useful for small business owners, consultants, and solo operators who feel stretched thin and want more strategic support, clearer thinking, and better systems without carrying the cost of a large team.The biggest takeaway: AI does not need to replace the business owner's judgment. Used well, it can become the advisor, organizer, and execution support sitting at the owner's elbow.Key topics covered: AI for small business, artificial intelligence, AI business partner, strategic business partner, ChatGPT for business, AI chief of staff, AI advisor, AI agents, agentic AI, small business growth, entrepreneurship, business systems, business strategy, productivity, operational efficiency, project planning, business automation, owner-led business, solo business owner, digital transformation, focus, execution, business leverage, AI prompts, AI projects, AI tools, strategic planningMain Insight: AI becomes more useful for business owners when it moves beyond a general brainstorming tool and becomes a structured strategic partner, chief of staff, advisor, and eventual agent-based support system.Speaker Bios:Jennifer R. Glass is the lead host of It's The Bottom Line that Matters. In this episode, she brings a practical business-growth lens to AI, focusing on how entrepreneurs can use it for priority management, focus, and operational support.Patricia Reszetylo is a recurring host of It's The Bottom Line that Matters. In this episode, she shares how she uses AI as a business advisor, project support system, and early-stage agent-building tool to help small operators gain more leverage.

Payments are getting smarter, faster, and more automated, but the stakes are still deeply human. I sit down with Gunita Bindra, CRO of Paymode New Business Development at Bottomline, to talk about what it takes to lead in fintech when AI is reshaping how decisions get made and how money moves. Along the way, Ganita shares her path from computer science in India to roles in software engineering, solution consulting, product management, and now leading sales and partnerships in the B2B payments world. We explore what “the future is human” means when technology can feel like it's in the driver's seat. Gunita lays out why leaders in payments need to embrace change while building for enduring excellence, not just short-term success. We also get practical about the customer experience behind every transaction: how product-minded empathy shows up in sales conversations, why understanding small business payment pain matters, and how transparency turns into trust when your platform can clearly explain where a payment is, why it's there, and what happens next. Then we look forward at agentic commerce and the idea of payments that can route themselves with humans still in the loop. Gunita offers a grounded take on job evolution, the skills that stay valuable, and the mindset shift leaders need right now. We close with direct advice for women entering payments and fintech: network early, ask for what you want, build a business case, and learn negotiation without apology. 

What happens when you strip away the assumption that success is measured solely by profit? In this deeply authentic conversation,  Andy Lopata is joined by Paul Hargreaves to explore how commercial businesses can thrive by putting people and the planet at the centre of their operations. Paul opens up about his non-traditional path to business—from spending over a decade doing inner-city charity work in Deptford, South London, to starting Cotswold Fayre from the back of his car. He shares the painful reality of a massive warehouse management system failure in 2014 that nearly collapsed the business, explaining why the resulting team restructuring was a vital "pruning process" that paved the way for B Corp certification. Andy and Paul discuss the practicalities of leading with values, why Cotswold Fayre uses "heart and soul" questions to recruit for character over skills, the underutilised power of intuition in decision-making, and how Paul addresses executive loneliness. Finally, Paul defines "The Fourth Bottom Line," explaining why global change must start with the personal, internal transformation of the leader. Why might a catastrophic IT failure be the best thing that ever happens to your company culture? Discover how a business crisis can act as a natural filter, stripping away toxic patterns and misaligned team members. What are "heart and soul" questions, and how can they revolutionise your hiring process? Explore how to move past CV skills and interview candidates purely for character, deep motivation, and cultural fit. Is your workplace community crossing the line from supportive to destructive? Learn the subtle difference between healthy team friendships and negative, external relationships that can actively drag an organisation down. What is "The Fourth Bottom Line"? Find out why trying to solve massive global problems like climate change will fail unless leaders undergo a profound personal and internal transformation first. Download the full episode to discover how to align your personal growth with your business success! SELECTED LINKS FROM THE EPISODE Connect with Andy Lopata: Website | Instagram | LinkedIn | X/Twitter | YouTube Connect with Paul Hargreaves: Website |LinkedIn | YouTube Paul Hargreaves' Books: Forces for Good and The Fourth Bottom Line Paul's Podcast: 4th Bottom Line People Mentioned: Giles Hutchins (Sussex Woods), Ben Brabin (Walking platform), Luke Ambler (Andy's Man Club). The Financial Times Guide to Mentoring What we discussed in this episode:

When we think of the United States' Founding Fathers, George Washington, Thomas Jefferson, and Benjamin Franklin are often the names that come to mind. But what would this nation be like without the voice behind the famous line, “Give me liberty, or give me death?” Dagen McDowell is the co-host of “The Bottom Line” on FOX Business, but she also serves on the Board of Directors for the Patrick Henry National Memorial. She joins FBN's Lydia Hu to discuss Patrick Henry's legacy and his importance to this nation's independence Learn more about your ad choices. Visit podcastchoices.com/adchoices

When we think of the United States' Founding Fathers, George Washington, Thomas Jefferson, and Benjamin Franklin are often the names that come to mind. But what would this nation be like without the voice behind the famous line, “Give me liberty, or give me death?” Dagen McDowell is the co-host of “The Bottom Line” on FOX Business, but she also serves on the Board of Directors for the Patrick Henry National Memorial. She joins FBN's Lydia Hu to discuss Patrick Henry's legacy and his importance to this nation's independence Learn more about your ad choices. Visit podcastchoices.com/adchoices

When we think of the United States' Founding Fathers, George Washington, Thomas Jefferson, and Benjamin Franklin are often the names that come to mind. But what would this nation be like without the voice behind the famous line, “Give me liberty, or give me death?” Dagen McDowell is the co-host of “The Bottom Line” on FOX Business, but she also serves on the Board of Directors for the Patrick Henry National Memorial. She joins FBN's Lydia Hu to discuss Patrick Henry's legacy and his importance to this nation's independence Learn more about your ad choices. Visit podcastchoices.com/adchoices

Soaring money and soaring questions. As President Donald Trump's wealth has soared since retaking office, a new financial disclosure shows his two premier Florida resorts have also delivered record-breaking surges in revenue. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Disaster recovery has undergone a complete transformation. What was once focused on tape backups, secondary data centers, and keeping systems online has become a race against sophisticated cyber threats where minutes matter and identity is the new security perimeter.In this episode of Business, Brains & The Bottom Line, Paul Di Liegro sits down with Joe Ross, Joe Galvan, Terry Murray, John Parker, and Stephen Sepulveda to explore how disaster recovery has evolved alongside today's cybersecurity landscape. Together, they discuss the shift to hybrid and multi-cloud environments, the growing impact of ransomware, and why traditional recovery strategies are no longer enough.Whether you're a CIO, IT leader, security professional, or business executive, this conversation provides valuable insight into building resilience in a world where cyberattacks are no longer a matter of if, but when.In this episode you'll discover:How disaster recovery has evolved over the past two decadesWhy cybersecurity and disaster recovery are now inseparableThe challenges of protecting today's hybrid and multi-cloud environmentsWhy identity has become the foundation of modern securityPractical lessons for improving organizational resilience before disaster strikes

In the Williams Broadcasting Studio join Patrick Woodcock and John williams with Ryan Low the Vice Chancellor for Finance and Strategic AI Intergration and Treasurer, University of Maine System.

Aw man, a book you love has gone out of print. But it's not gone forever! There are many reasons publishers bring books back from the grave—suddenly hockey romance is popular, or an author becomes online famous, the world got into sourdough bread during the pandemic, or one of many, many other reasons.This week on the pod, Jane Friedman of The Bottom Line is back to talk to Joe and Elly about trendspotting, marketing, rights, and other things that go into consideration when a publisher might want to bring a book back into print!************Thank you for catching the People's Guide to Publishing vlogcast!  We post new episodes every Thursday about publishing, authors, and the book industry. You can also listen via your preferred podcast app, or by visiting linktree.com/microcosmGet the People's Guide to Publishing book: https://microcosmpublishing.com/catalog/books/3663Get the workbook: https://microcosmpublishing.com/catalog/zines/10031More from Microcosm: https://microcosmpublishing.comSubscribe to our monthly email newsletter: https://microcosm.pub/newsletterFind us on social media:Tik Tok: https://www.tiktok.com/@microcosmpub/BlueSky: https://bsky.app/profile/microcosm.bsky.socialInstagram: http://instagram.com/microcosm_pubFacebook: http://facebook.com/microcosmpublishing************

In this special HITEC edition of The Modern Hotelier, David Millili and Steve Carran sit down with Chris Zach, Senior Director of Product Marketing at ServiceChannel, to explore how hotels can modernize facilities management, improve guest satisfaction, and reduce operational complexity.Chris shares how ServiceChannel helps hotel operators manage external vendors from start to finish, streamlining everything from dispatching work orders to invoice approvals, while providing access to a network of more than 70,000 service providers. The conversation dives into the growing challenges facing hotel engineering teams, rising labor costs, and why proactive maintenance is becoming a competitive advantage.The discussion also covers how AI is transforming facilities management by helping hotel teams prioritize critical work orders, improve response times, and make smarter maintenance decisions without adding more technology complexity. Chris explains how ServiceChannel integrates seamlessly into existing hotel tech stacks while giving operators, owners, and asset managers greater visibility into property health and long-term capital planning.Key Topics: How ServiceChannel simplifies facilities and vendor management  The biggest maintenance challenges facing hotel operators today  Integrating facilities management into the modern hotel tech stack  Best practices for scaling maintenance across multiple propertiesWatch the FULL EPISODE on YouTube: https://youtu.be/XCSttDN1ATYLinks:Chris on LinkedIn: https://www.linkedin.com/in/chriszach/ServiceChannel: https://servicechannel.com/For full show notes head to: https://themodernhotelier.com/episode/303Follow on LinkedIn: https://www.linkedin.com/company/the-..Join the conversation on today's episode on The Modern Hotelier LinkedIn pageConnect with Steve and David:Steve: https://www.linkedin.com/in/%F0%9F%8E...David: https://www.linkedin.com/in/david-mil.

Internet safety: Teaching Critical Thinking to Teenagers If a stranger walked up to your teenager on the street and tried to manipulate what they believed, you'd step in instantly. But it's happening every single day, completely undetected, right through their screens. In this eye-opening episode of The Impactful Parent, host Kristina Campos welcomes Dr. Mari Davies, a senior lecturer in education and author of Teaching Critical Thinking to Teenagers. Together, they pull back the curtain on the multi-billion-dollar algorithms engineered to capture your teen's developing brain. While tracking apps and screen limits offer temporary fixes, the real secret to long-term internet safety is building "cognitive immunity" through critical thinking. In this episode, Kristina and Dr. Davies break down: The Algorithm Advantage: What parents are truly up against when a teen opens TikTok or Instagram, and how these apps weaponize personal demographics [02:43]. The Teenage Brain on Social Media: Why a natural dip in adolescent dopamine makes teenagers uniquely vulnerable to online risks and the "imaginary audience" [05:27]. The Street Smarts Model: A deep dive into the 4 core pillars—Respect for Self, Reasons, Difference, and Change—and how they apply to a scrolling feed [11:55]. Spotting AI and Fake News: Dr. Davies' number one rule of thumb for handling outrageous influencer content and advanced voice/image deepfakes [19:17]. The Power of Healthy Arguing: Why teaching your kids (especially girls!) to respectfully debate and voice their opinions at home keeps them safe from real-world predators [24:07]. Stick around until the end, where Dr. Davies shares a single, effortless question you can ask your teen today to immediately trigger their critical thinking muscles [32:17]! You don't have to be a tech genius to give your child a fighting chance against the digital noise. Hit that subscribe button, join our community, and let's help our teens become street-smart online! ✨ Connect with Dr. Mari Davies: Grab her book: Teaching Critical Thinking to Teenagers: How Kids Can Be Street Smart About AI Algorithms, Fake News, and Social Media ✨ Join The Impactful Parent Community: Website: http://theimpactfulparent.com Head to our site to download the FREE Impactful Parent App so you never miss a tip to help your family thrive! #InternetSafety #CriticalThinking #ParentingTeens #SocialMediaAlgorithms #KristinaCampos #TheImpactfulParent #MariDavies #DigitalLiteracy #TeenMentalHealth   Rate, Review, & Subscribe! "I love Kristina and all the FREE tips that she has to offer!  Thank you for making my parenting journey better!" 

Send us Fan MailSend us Fan MailSchedule an Rx AssessmentWelcome to another episode of the Bottom Line Catch Up and the team is back together celebrating America 250!In this episode, we break down:Tradeshow seasonMFP refunds and taxesHow to find a pharmacy buyerAnd more!Stay connected with us: FacebookTwitterLinkedInScotty Sykes – CPA, CFP LinkedInScotty Sykes – CPA, CFP TwitterBonnie Bond – CPA LinkedInBonnie Bond – CPA Twitter More resources on this topic: Podcast - The Bottom Line Catch Up | Ep. 1 | Tax Season, Transitions, and the Peptide WavePodcast – Driving Independent Pharmacy Profitability in 2026 with Nicolette Mathey, PharmD, CEO of Atrium24Podcast – 2026 Quarter 2 Pharmacy Update

Thom's Nutshell: Rather than praying for circumstances to change, pray for the strength and wisdom to face those circumstances. “This shouldn't be happening!” Well, it IS happening. So how do we deal with it? Riffing on Rumi, Paul McCartney, and Kathryn Grody with superfriend Joe Chisholm. Learn more about Joe C., Secular AA and Rebellion Dogs here: https://rebelliondogspublishing.com  Our music is provided by the great southern artist Jefferson Ross. Learn more about Jefferson at jeffersonross.com Visit our website: www.emotionalsobriety.info Follow us on social media: Instagram: thomrutledge2 Joe C. Twitter: @Rebellion_Dogs   Friendly Circle Berlin workshops: https://friendlycircleberlin.org/events   Allen's book, 12 Essential Insights for Emotional Sobriety: https://www.amazon.com/12-Essential-Insights-Emotional-Sobriety/dp/1955415129/   Join Allen & Thom at our Thursday night, 7pm PST Zoom meeting on Emotional Sobriety and the Steps (login information below):  https://zoom.us/j/330149513 Password: 375986   For our ongoing workshop video series on Emotional Sobriety and the 12 Steps, visit our YouTube channel here: https://www.youtube.com/channel/UCHEM2-kqLkfp3I4c0jy-X-g   Also, please join our “Emotional Sobriety and Recovery” FB Group at the following link: https://www.facebook.com/groups/120450976662519 We'd love to stay in touch in between meetings.   We appreciate feedback! Contact Patrick, our producer, at pndirective4@gmail.com for any questions or comments. Chapters (00:00:00) - Emotional Sobriety: The Next Step in Recovery(00:02:57) - Tom's Bottom Line(00:04:36) - Tom's Closet:(00:10:44) - Letting It Be(00:16:16) - How To Cope With A Codependent Partner(00:17:34) - A message from Joe in AA(00:20:56) - In the Elevator With Rumi

On this episode of Fox Across America, Jimmy Failla explains why he's still skeptical about whether Iran is really going to abandon its hopes to acquire a nuclear weapon. Co-host of “Outnumbered” Emily Compagno stops by to recap an eventful Saturday in New York City with your radio buddy attending Fox News superstar Jacqui Heinrich's wedding. PLUS, co-host of “The Bottom Line” and co-host of “The Big Money Show” Brian Brenberg puts his professor cap back on to try and make sense of the latest word salads from former Vice President Kamala Harris and ex-first daughter Chelsea Clinton. [00:00:00] Vance gives update on Iran negotiations [00:40:05] Emily Compagno [00:58:40] Callers weigh in on Trump's Iran deal [01:17:15] How markets are reacting to Iran developments [01:35:25] Brian Brenberg Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ariella Noveck, co-founder of “Bottom Line Media” non-profit, joins the program to discuss hosting Sid in Israel this week for the annual JNS International Policy Summit in Jerusalem. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dagen McDowell, anchor, analyst on the Fox Business Network, and Co-Host of the The Bottom Line with Dagen McDowell and Brian Brenberg, joined us on the Guy Benson Show today to discuss the economic growth following the United States' deal with Iran to end the ongoing war in the region. McDowell reacts to shockwaves that could continue for the following weeks and months, as well as practical economic effects that everyday Americans will feel. McDowell also discussed criticism surrounding Elon Musk becoming the world's first trillionaire following Space X going public, and you can listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices