Podcasts about Chicago

Common celebrates 50 years of hip-hop, discusses his show "Silo" and shares about his efforts to bring the Democratic National Convention to his hometown of Chicago in 2024. ABC News chief medical correspondent and "GMA3: What You Need To Know" co-host Dr. Jennifer Ashton shares the inspiration behind her new magazine, "Better," and discusses her hair loss journey and why she chose to discuss it publicly. Learn more about your ad choices. Visit megaphone.fm/adchoices

Castellani and Carl sit down in the Chicago office to break down the American League headlines in baseball this week. The big stories are Alek Manoah's downfall and Jacob deGrom's health. The Central is a disaster. The Mariners can't get it going. Hubbs got engaged and the East has two monster series this weekend. Great time to be a baseball fan. Stay Balanced.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/barstoolbaseball

The Critical Step Most Architects Are Missing from Their Design ProcessDavid Warfel is an overly sensitive, marginally materialistic, pseudo-tree-hugging Midwestern farm boy turned lighting designer. He's been either lucky, talented, or wealthy enough to land design gigs from New York's Carnegie Hall to the Las Vegas' Luxor and MGM Grand casinos, from Chicago's Hyde Park Arts Center and Museum of Science and Industry to residential and hospitality projects in a dozen states, and from schools and churches to multiple Royal Caribbean cruise ships. Judging from the old Honda in his driveway, it isn't personal wealth.David finally figured out what to do with his life when he hit his 40's and bought a foam mattress online. It was so easy to spend thousands without leaving his office that he wondered why you couldn't get lighting design the same way, so he started Light Can Help You and his team now designs residential and hospitality projects nationwide and beyond.David's work and writing have been featured in lots of places that no one could find without Google, like Technology Designer, Fine Homebuilding, Designing Lighting, Lighting & Sound America, Lighting Australia, Lighting Design & Application, Live Design, Theatrical Design & Technology, and on Houzz.com but he is usually reading Inspector Gamache novels or writing whatever comes into his head at his blog.This week on EntreArchitect podcast, The Critical Step Most Architects Are Missing from Their Design Process with David Warble.Learn more about David at Light Can Help You and Language of Light, and connect with him on LinkedIn or YouTube.Please visit Our Platform SponsorsDetailed is an original podcast by ARCAT that features architects, engineers, builders, and manufacturers who share their insight and expertise as they highlight some of the most complex, interesting, and oddest building conditions that they have encountered… and the ingenuity it took to solve them. Listen now at ARCAT.com/podcast.Visit our Platform Sponsors today and thank them for supporting YOU… The EntreArchitect Community of small firm architects.Mentioned in this episode:Gabl Membership

Anita passes the mic to our friends at the feminist documentary podcast "Bodies" for an exploration of ADHD and identity. Producer Hannah Harris Green talks about how getting an ADHD diagnosis helped her release the shame she'd been carrying since childhood. Meet the guests: - Hannah Harris Green, contributing producer for "Bodies," shares her journey to an ADHD diagnosis as an adult and how the disorder has impacted her entire life - Matthew, Hannah's partner, talks about how Hannah's ADHD impacts their relationship and helps her come to terms with her diagnosis - Dr. Andrea Spencer, child psychiatrist and vice chair for research for the Psychiatry Department at Lurie Children's Hospital in Chicago, explains her research on the intersection of ADHD and PTSD Read the transcript | Review the podcast Follow Embodied on Twitter and Instagram Leave us a message for an upcoming episode here!

Holy shit I'm on the New York Times Best Sellers List!  Writing a book has been a dream of mine and your support means the world to me.   From going on a book tour, to watching my new favorite show, and seeing Taylor Swift in Chicago...these past few weeks have been nothing short of amazing and I want to fill you in on everything I've been up to! Follow Tinx on Instagram and TikTok 

Just because someone's passed over, doesn't mean they're not still watching over you. STORIES The Tapeworm Richie “Tapeworm” Herrera ran one of the most badass tattoo parlors in Chicago. It was haunted, and he didn't mind that. That is, until the ghosts tried to push him out. Thank you Anne, Chris, Tony, and Adam for telling us about the amazing Richie “Tapeworm” Herrera. Produced by Anne Ford, original score by Leon Morimoto The Bull Ring Todd loses someone he loves very much, but it seems his friend is not truly gone. Thank you, Todd Narron, for sharing your stories with us. If you want more stories from Todd, check out his book, Country Stories of Ghosts and Bad Men and Country Stories of Ghosts and Bad Men: Series 2 - The Dead Ones. Do not miss out on these amazing stories! Produced by Annie Nguyen, original score by Renzo Gorrio Artwork by Teo Ducot Episodes now drop weekly. Featuring brand new stories -- along with episodes previously available only by subscription. Listen for free wherever you get your podcasts!

Ten years ago, Chicago closed 50 schools in largely Black and brown neighborhoods. But what happened to those buildings after the doors were boarded up? A new WBEZ and Sun-Times report tracked the fate of each school and found more than half remain vacant. Host Jacoby Cochran is joined by freelance journalists Natalie Frazier and Maia McDonald to talk about that along with the cottonwood seeds blanketing neighborhoods, the importance of animal rescues, and a legendary roller skating reunion!  Hyde Park Summer Fest returns June 17th and 18th Want some more City Cast Chicago news? Then make sure to sign up for our Hey Chicago newsletter.  Follow us @citycastchicago You can also text us or leave a voicemail at: 773 780-0246 Interested in advertising with City Cast? Find more info HERE  Learn more about your ad choices. Visit megaphone.fm/adchoices

John Cerasani currently splits time between Los Angeles and Chicago, and has been featured on FOX, NBC, WGN, and CBS.  John recently sold an insurance business that he started from his kitchen table to a large private equity backed player.   This put him in a position to retire at the age of 42.  A few months later, he started Glencrest Global.   Glencrest Global has quickly earned a name for itself as one of the premier early-stage venture capital firms in the United States and is currently in more than 30 deals.  During this time, John has become business partners with some high profile founders, including:  Aaron Rodgers, Kevin Garnett, Ashley Greene, and Jaleel White.  Additionally, he is part of some very recognizable acquisitions and developments including apartment complexes in Los Angeles and Minneapolis, as well as The Vea Hotel (formerly the Newport Beach Marriott). John sits on multiple boards for non-profits and focuses much of his philanthropic efforts toward making higher education available to underserved communities.  He also serves and has served as a Trustee for universities in both Indiana and South Carolina.   In this episode, Brad and John discuss how to create your business and invest in others to create sustainable wealth for yourself and your future.   Check out more about John here: Website: https://www.GlencrestGlobal.com  for VC firm | https://www.2000PercentRaise.com  for Book & Podcast Watch the full video episode on Brad's Rumble here: https://rumble.com/c/c-2544182 

This week on Townhall Review – June 10, 2023 Kentucky Congressman James Comer presses FBI Director Christopher Wray for access to an unclassified document over bribery allegations against President Biden. Andrew Wilkow welcomes Virginia Congressman Ben Cline to discuss the partisanship within the Department of Justice and the FBI. Joe Piscopo talks with former prosecutor Andrew McCarthy about the potential influence of the Justice Department. Bob Frantz and Ohio Congressman Jim Jordan tackle the urgent need for FBI reform, focusing on issues like improper data queries and a lack of transparency in the agency's investigations. Former Vice President Mike Pence and ex-New Jersey Governor Chris Christie both make official announcements of their intentions to run for the presidency in the 2024 elections. Hugh Hewitt invites RNC Chairwoman Ronna McDaniel to talk about the various promising Republican candidates competing and the established criteria for their participation in the forthcoming debates. Hugh Hewitt turns to former Navy Captain Henry Hendrix to discuss the rising tensions with China, examining unsafe naval encounters and their potential global security implications. Larry O'Connor and Charles “Cully” Stimson of the Heritage Foundation delve into the troubling and damaging trends unfolding within the American criminal justice system. Cully provides insights from his new book, “Rogue Prosecutors: How Radical Soros Lawyers Are Destroying America's Communities.” And finally, Dan Proft and Amy Jacobson of AM560 the Answer in Chicago talks with Stephen Moore, a former economist at the Trump White House, to underscore the importance of the 2024 election, and its impact on all levels, from local to the presidential ticket.See omnystudio.com/listener for privacy information.

Mike Mulligan and David Haugh opened their show by discussing the White Sox's doubleheader split against the Yankees on Thursday and Chicago slugger Eloy Jimenez ailing once again with a lower left leg injury. They also reacted to the Cubs getting swept by the Angels, which dropped them to 26-36. Later, the show members conducted the Pick 6 and Extra Point segments, where they debated questions surrounding the top sports stories of the day.    

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Private chef Natalia Rosario shares her experience starring in and winning the first season of Ciao House. Natalia reflects on an injury that threatened her culinary career, revealing why she now considers it one of the best things to happen to her. She compares her time working in a Michelin-Star restaurant to her current role, as a private chef. The Chicago resident dishes on behind-the-scenes moments, spilling what really went on behind closed doors in the emotional house she lived in among eliminated contestants. Determined to represent Tuscan culture in her dishes, she reveals her approach to marrying her Latin roots with traditional Italian fare throughout the competition. Natalia covers valuable things she learned while cooking in Tuscany, from Nonna's generational rolling pins to the proper use of sunflowers in the kitchen. Then she unpacks her finale plates and experience going head-to-head with Saba, emphasizing that the heat of the competition couldn't diminish the respect the two women have for each other. Finally, the winner dishes on what's next in her career, sharing excitement about her highly-anticipated Ciao House prize: the opportunity to train with world-renowned chefs in Italy.Follow Food Network on Instagram: https://www.instagram.com/foodnetworkFollow Jaymee Sire on Instagram: https://www.instagram.com/jaymeesireFollow Natalia Rosario on Pinterest: https://www.pinterest.com/nataliarosariio/Follow Natalia Rosario on TikTok: https://www.tiktok.com/@nataliarosario_Follow Natalia Rosario on Instagram: https://www.instagram.com/nataliaboa/Learn more about Ciao House: https://www.foodnetwork.com/shows/ciao-house

In the final hour, Mike Mulligan and David Haugh were joined by Cubs Radio analyst Ron Coomer to discuss the team's recent struggles. The Cubs are riding a four-game losing streak and have dropped to 26-36. Later, Mully and Haugh remembered a significant Chicago sports anniversary.

We tried to talk as little about running as possible, but it turns out that Emma Bates is a pretty good runner (2nd at Chicago, 5th at Boston), so it kind of snuck in at times. We did talk about life during breaks between marathon blocks, living in Colorado, martini preferences, and more. This episode is sponsored by Lagoon pillows, we get crazy good sleep with them and you should too. Save 15% on your order with code BELIEVE: ⁠https://lagoonsleep.com/pages/lagoon-believe-in-the-run

Kirk gives his quick reaction to winning The Dozen Tournament last night before departing Chicago. Questions about the future of Team Minihane are raised and Baby Brandon reemerges.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/kminshow

John Cochrane is a renowned economist and senior fellow at the Hoover Institution at Stanford University. He writes a popular blog called The Grumpy Economist. He is also a former professor of economics and finance at the University of Chicago. He is the author of a recent book called The Fiscal Theory of the Price Level. Today we talk about the monetary and fiscal theories of the price level, or inflation, discussing what inflation is, how it's caused, and how to fix it. Never miss another AdamSmithWorks update.Follow us on Facebook, Twitter, and Instagram.

Join us as we track down and try down a can of Double Barrel VSOJ from Revolution Brewing out of Chicago, IL.  Is this the best Barleywine ever made?  Watch and see for yourself... Special guest on this episode, Michael Nolen of Nolen Distribution https://www.nolendistribution.com/https://www.instagram.com/nolendistro/https://www.facebook.com/nolendistrohttps://revbrew.com/beer/deep-wood-series/double-barrel-v-s-o-jhttps://revbrew.com/beer/v-s-o-jhttps://revbrew.com/beer/deep-wood-series/straight-jacket#craftbeer #craftbeerreviews #podcast #rare #bestbeer #ourcynicculture #BIL #barleywineislifehttps://www.youtube.com/channel/UCpEcWikZ55QHotmldjuKVawhttps://www.instagram.com/ourcynicculture/https://www.tiktok.com/@ourcynicculture?lang=enhttps://twitter.com/ourcynicculturehttps://www.facebook.com/ourcynicculture

After a couple years of dipping our collective toe into this whole podcast thing — we decided to dip our toe into the whole LIVE podcast thing. Recorded live at the Gman Tavern in Chicago, IL. last Monday — this episode has it all. Herb making fruity drinks, Un-punk Gabe getting cute with a Chipotle dung-bag, Steve Reidell making shotgun noises, Kelly Wey pouring a few “One Shots with Scott”, Ben hosting a few rounds of Lifers Against Humanity, some one-man acoustic jams, and —to Ben's disbelief— a surprise visit from Chip Z'nuff! PLUS!!! A terrific audience that made us feel good and laughed at all of our stupid jokes. You may ask yourself: What sort of person would show up to this particular brand of nonsense? As it turns out, a pretty great sort of person. And we had a blast.

Colby Cohen joined us in studio! Colby talked to us about leaving the Blackhawks and coming home, the Philadelphia Flyers rebuild, Golden Knights, panthers, different coaches, Connor Bedard, Chicago's rebuild, Cutter Gautheir, the NHL draft, college hockey, and much more!Riley and Nasty also talked about tonight's tailgate, the Ivan Provorov trade, discussed the Stanley Cup Final between Florida and Vegas, and answered fan questions!Nasty Knuckles is an original show created by co-hosts, Riley Cote and Derek "Nasty" Settlemyre. The show will feature a mix of interviews, never before heard story-telling, hockey-talk, and maybe some pranks... The guys will bring in some of the biggest names in the hockey world all for your enjoyment! Make sure to check back every week as the guys release a new episode weekly!► Follow the show on Twitter: https://twitter.com/NastyKnuckles► Follow Riley Cote on Twitter: https://twitter.com/rileycote32► Follow Riley Cote on Instagram: https://instagram.com/rileycote32► Follow Derek Settlemyre on Twitter: https://twitter.com/dnastyworld► Follow Derek Settlemyre on Instagram: https://instagram.com/dnastyworld Hosted on Acast. See acast.com/privacy for more information.

Latino USA goes inside the biggest free health clinic in the country, which serves only people without insurance. There are nearly 28 million uninsured people in the United States, and for some of them, free clinics are their safety net. For undocumented people, healthcare options are very limited. For this story, we spend three days behind the scenes at CommunityHealth in Chicago, where more than half of the patients speak Spanish. We shadowed doctors and patients to observe the daily dramas that unfold there and listen in on intimate conversations—all to try to capture a snapshot of how life as an undocumented person can affect an individual's physical and mental health. NOTE: This is a bilingual episode, where some of the audio is untranslated. A transcript of the story with full English translation is available online at www.latinousa.org. The episode originally aired in 2019.

Chicago Way w/John Kass (06/09/23): One of our favorite repeats guests, the ‘Cooking Cop’ –Peter V. Bella talks about working as a crime scene photog and the collection of b&w photos he has on display at the great Tony Fitzpatrick‘s Dime studio space. Peter’s works are on display through June. Check out more Kasso at JohnKassNews.com […]

Stephen A Smith Angry about Shootings in Chicago // Tim reminisces about HB Parade // LA Pride this Weekend // Pursuit of stolen Mercedes // El Nino arrives early // Crime is everywhere but in Irvine?

(2:53) - Hello, Layup Line, Canadian Forest Fires and Baby Gronk vs Baby Diggs (8:03) - Rest In Peace Eric Carmona of TUANON (9:40) - Gambling in the NFL (17:28) - PFT talks the PMT Move to Chicago, Buying a Car, the LIV and PGA Tour Partnership, Gambling in the NFL and Chris, Dr. Fax and PFT take on the Most Underrated and Overrated Draft where they pick their most Overrated and Underrated item or moment from a list of categories GoFundMe for Eric Carmona https://gofund.me/96978657 Have some interesting takes, some codebreaks or just want to talk to the Green Light Crew? We want to hear from you. Call into the Green Light Hotline and give us your hottest takes, your biggest gripes and general thoughts. Day and night, this hotline is open. Green Light Hotline: ‪(202) 991-0723‬ Send any Talent Search submissions to: social@chalkmedia.com Include any video of your talents, takes and bits as well as a little bit about yourself. Love hearing from the Green Light fans. Also, check out our paddling partners at paddleva.com to get your canoes, kayaks and paddleboards so you're set to hit the river this summer. Green Light Spotify Music: https://open.spotify.com/user/951jyryv2nu6l4iqz9p81him9?si=17c560d10ff04a9b   Spotify Layup Line: https://open.spotify.com/playlist/1olmCMKGMEyWwOKaT1Aah3?si=675d445ddb824c42   Green Light Tube YouTube Channel: https://www.youtube.com/c/GreenLightTube1   Green Light with Chris Long: Subscribe and enjoy weekly content including podcasts, documentaries, live chats, celebrity interviews and more including hot news items, trending discussions from the NFL, MLB, NHL, NBA, NCAA are just a small part of what we will be sharing with you. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On the latest Blackhawks Talk Podcast, Pat Boyle and Charlie Roumeliotis interview Darren Pang, who will join the Blackhawks' broadcast booth on NBC Sports Chicago for the 2023-24 season. Pang talks about his emotional return to Chicago, the conversations he had with Troy Murray and Eddie Olczyk about accepting the position, developing chemistry with Chris Vosters, and much more.1:00 - Pang on joining the Blackhawks' broadcast booth as TV analyst5:40 - Pang on the conversations he had with Troy Murray and Eddie Olczyk about accepting the position9:45 - Pang on developing chemistry with Chris Vosters13:20 - Pang on why he still loves doing local broadcasts15:40 - Pang on being a voice to help usher Blackhawks fans through rebuild19:30 - Quick NHL Scouting Combine updateSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Mincing Rascals this week are John Williams of WGN Radio, Eric Zorn, publisher of The Picayune Sentinel, Austin Berg of the Illinois Policy Institute, and WGN Radio investigative reporter and longtime journalist Anna Davlantes! This week, the Rascals talk about Mayor Brandon Johnson saying, “If you don’t live in the city of Chicago, you don’t have a right […]

Chicago Bears Justin Fields comes on Bring The Juice. Jaylon Johnson discusses his non-profit known as Kevvys Vision. The fellas discuss overcoming adversity, Chicago, singing skills, elite mindsets, College Football Conference Kings, and leadership.

Host - Jon HansenReporter - Kayleigh PadarMore Proud City Coverage HERE

For their Chicago's 50 Closed Schools project, WBEZ and Chicago Sun-Times education reporters investigated the impact of massive school closures a decade ago. Reset dives into their latest story on the so-called “welcoming schools” that received displaced students with reporters Sarah Karp and Nader Issa.

Nevermind, Chicago. Omaha is where the ideas are flowing.

The College Football Experience (@TCEonSGPN) on the Sports Gambling Podcast Network continues to preview the entire 2023 college football season with their Week 10 preview and draft. Pick Dundee aka (@TheColbyD), Patty C (@PattyC831) & NC Nick (@NC__NicK) break down their top 30 games on the week 10 college football slate and key in on why the game is one of the best games of the week. Plus, the guys key in on the UConn Huskies to the Big 12 Conference talk and the 8 game SEC football conference schedule? Will Brian Kelly and the LSU Tigers go 2-0 against Nick Saban and the Alabama Crimson Tide when the Tigers head in to Tuscaloosa? Can Mike Gundy and the Oklahoma State Cowboys deal the Oklahoma Sooners a departing blow in the last game of the Bedlam Rivalry? Will the North Dakota State Bison get revenge on South Dakota State and pick up a key win in Brookings, South Dakota? Are Deion Sanders and the Colorado Buffaloes due for a win in Boulder against the Oregon State Beavers and Jonathan Smith? Is Michael Penix and the Washington Huskies thinking Pac 12 Championship if they beat Caleb Williams and the USC Trojans in Los Angeles? Can the Notre Dame Fighting Irish hit the road and pick up a key road win at Clemson? Is College Football in the right when they honor the history of the game and play a Northwestern Iowa game at Wrigley Field in Chicago, Illinois? Is TCU at Texas Tech not only the best weekday game of the week but could it have Big 12 implications? Can the Mississippi State Bulldogs take down the Kentucky Wildcats in Starkville? Will the Arkansas Razorbacks pick up their first win ever in Gainesville, Florida against the Gators? Will the Pitt Panthers beat the Florida State Seminoles at Heinz? We talk it all and more on this Week 10 edition of The College Football Experience. ===================================================== SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV Support us by supporting our partners EdgeBoost - Double your bet with no interest! - https://sg.pn/edge Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Youtube - https://www.youtube.com/@TheCollegeExperience Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

The College Football Experience (@TCEonSGPN) on the Sports Gambling Podcast Network continues to preview the entire 2023 college football season with their Week 10 preview and draft. Pick Dundee aka (@TheColbyD), Patty C (@PattyC831) & NC Nick (@NC__NicK) break down their top 30 games on the week 10 college football slate and key in on why the game is one of the best games of the week. Plus, the guys key in on the UConn Huskies to the Big 12 Conference talk and the 8 game SEC football conference schedule? Will Brian Kelly and the LSU Tigers go 2-0 against Nick Saban and the Alabama Crimson Tide when the Tigers head in to Tuscaloosa? Can Mike Gundy and the Oklahoma State Cowboys deal the Oklahoma Sooners a departing blow in the last game of the Bedlam Rivalry? Will the North Dakota State Bison get revenge on South Dakota State and pick up a key win in Brookings, South Dakota? Are Deion Sanders and the Colorado Buffaloes due for a win in Boulder against the Oregon State Beavers and Jonathan Smith? Is Michael Penix and the Washington Huskies thinking Pac 12 Championship if they beat Caleb Williams and the USC Trojans in Los Angeles? Can the Notre Dame Fighting Irish hit the road and pick up a key road win at Clemson? Is College Football in the right when they honor the history of the game and play a Northwestern Iowa game at Wrigley Field in Chicago, Illinois? Is TCU at Texas Tech not only the best weekday game of the week but could it have Big 12 implications? Can the Mississippi State Bulldogs take down the Kentucky Wildcats in Starkville? Will the Arkansas Razorbacks pick up their first win ever in Gainesville, Florida against the Gators? Will the Pitt Panthers beat the Florida State Seminoles at Heinz? We talk it all and more on this Week 10 edition of The College Football Experience. ===================================================== SGPN Merch Store - https://sg.pn/store Download The Free SGPN App - https://sgpn.app Check out SGPN.TV Support us by supporting our partners EdgeBoost - Double your bet with no interest! - https://sg.pn/edge Follow The College Experience & SGPN On Social Media Twitter - https://twitter.com/TCEonSGPN Twitter - http://www.twitter.com/gamblingpodcast Instagram - http://www.instagram.com/sportsgamblingpodcast TikTok - https://www.tiktok.com/@gamblingpodcast Facebook - http://www.facebook.com/sportsgamblingpodcast Youtube - https://www.youtube.com/@TheCollegeExperience Follow The Hosts On Social Media Colby Dant - http://www.twitter.com/thecolbyd Patty C - https://twitter.com/PattyC831 NC Nick - https://twitter.com/NC__NicK Watch the Sports Gambling Podcast YouTube - https://www.sg.pn/YouTube Twitch - https://www.sg.pn/Twitch Read & Discuss - Join the conversation Website - https://www.sportsgamblingpodcast.com Slack - https://sg.pn/slack Reddit - https://www.sg.pn/reddit Learn more about your ad choices. Visit podcastchoices.com/adchoices

Multi-hyphenate artist Matteo Lane is on the pod today discussing finding his many talents in high school and growing up in Chicago surrounded by a bunch of girl cousins. He reveals why he was fired from Michaels craft store and gives an impeccable Liza Minelli impression! He won Homecoming King without even being popular so really, what CAN'T Matteo do?!   Watch his brand new stand-up special "Hair Plugs and Heartache" on YouTube starting June 11th!   To see Greta in LA on June 19th and 20th go to https://www.elysiantheater.com/shows/gretatitelman   To see Greta in NYC on July 27th go to https://www.eventbrite.com/e/greta-titelman-exquisite-lies-tickets-637430159767See omnystudio.com/listener for privacy information.

Today, we talk with former podcast guest Bill Harrison about his new memoir Making the Low Notes: A Life in Music.  This is a great read about what it was like diving into Chicago's lively jobbing world through the 1970s and beyond. Enjoy, and you can pick up a copy on Amazon!   Subscribe to the podcast to get these interviews delivered to you automatically!   Connect with us: all things double bass double bass merch double bass sheet music   Listen to Contrabass Conversations with our free app for iOS, Android, and Kindle. Check out my Beginner's Classical Bass course and Intermediate to Advanced Classical Bass course, available exclusively from Discover Double Bass.   theme music by Eric Hochberg

A former intelligence official claims that the US government has in its possession intact and partially intact craft of non-human origin. He may be right, but it doesn't automatically follow that those craft are extraterrestrial. 5) Washington Post reported in December that Ukraine had developed plan last fall to blow up dam that was bombed this week; 4) Washington Post (again) reports that a European intelligence service that Ukraine's military was planning attack on Nord Stream pipelines three months before they were bombed; 3) More stories illustrating why parents need to know what their children are being taught; 2) Whistleblower gives Congress evidence of covert programs that he says possess alien tech; 1) Illinois state senator from Chicago collecting check despite literally refusing to show up for work or vote on bills.

Listen to The Morning Mix weekdays from 5:30am-10:00am on 101.9fm The Mix in Chicago or with the free Mix App available in the Apple App Store and Google Play. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today we're going to introduce a game changer in the dental practice management software world...‍‍This is an innovative, all-in-one, cloud-based practice management software, and it offers an array of powerful features that are custom built for dentists by dentists ready to revolutionize the way you work. ‍If you are a start-up and decide to sign up with Oryx, they will NOT charge you a single dime, until you reached 200 active patients!⁠⁠They are partnering up with all startup practice owners and making sure you succeed, fast!⁠⁠ Click this link to schedule a FREE personalized demo and to see more on their exclusive deal!⁠‍‍‍Guest: Jay LetwatBusiness Name: SunbitCheck out Jay's Media:Website: https://sunbit.com/Email: jay@sunbit.com‍‍Other Mentions and Links:FicoBeyoncéT-MobileBurger KingCheesecake FactoryStarbucksVantageExperianiPadGimbelsTargetCare CreditLending ClubTerminatorEBITDA - earnings before interest, taxes, depreciation and amortizationFlip the Script - Oren Klaff‍Host: Michael Arias‍Website: The Dental Marketer Join my newsletter: https://thedentalmarketer.lpages.co/newsletter/‍Join this podcast's Facebook Group: The Dental Marketer Society‍‍My Key Takeaways:Expensive treatment plans can build a wall of resistance in a patient's mind. Be sure to address these fears, and provide customizable options for financing.Sunbit approves approximately 85% of patients who need care for financing options. That's more than double the average!Nobody budgets for a $3,000 dental procedure out of the blue. Be sure to stress that patients don't have to pay all of this at once!The credit approval system in the US has largely been untouched since the 60's. It is about time to update the process and allow more accessibility.The patients that are scared away by price will mostly likely never return. Having great finance options will help them feel safe and included!‍Please don't forget to share with us on Instagram when you are listening to the podcast AND if you are really wanting to show us love, then please leave a 5 star review on iTunes! [Click here to leave a review on iTunes]‍p.s. Some links are affiliate links, which means that if you choose to make a purchase, I will earn a commission. This commission comes at no additional cost to you. Please understand that we have experience with these products/ company, and I recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something. Please do not spend any money unless you feel you need them or that they will help you with your goals.‍Episode Transcript (Auto-Generated - Please Excuse Errors)Michael: All right. It's time to talk with our featured guest, Jay Lewa. Jay, how's it going? Jay: Everything is great, Michael, how are you? Michael: I'm doing pretty good, man. I'm doing pretty good. I appreciate you coming on. If you don't mind me asking. I know, I know. But like for our listeners, where are you located?Jay: Based in, uh, Los Angeles. Based in Los Angeles. Yeah, that's where our headquarters are at. Michael: How are you liking this Jay: rain? It's kind of new to me, to be honest with you. I've, I've only been in LA for five, six years. Um, so it's new in the sense of la but like, I'm originally from the Midwest in Chicago, so it rains and snows and could snow in, you know, August could rain in, you know, March.So we used to kind of the four seasons here, people start to panic a little bit when the rain comes or when it gets cold. It's kind of funny, but, uh, but it's nice, it's fun. Yeah. Michael: Yeah, we do. Yeah, we, that happens a lot all the time, but Awesome man. Okay, so then tell us a little bit about your past, present.How'd you get to where you are today? Jay: Sure. So I've got about 20 years of experience, um, mainly on the technology disruption side. So I did a lot of consulting early on in my career. A lot of performance improvement, compliance work as well. Uh, then kind of moved along into the technology space and, and where I really have spent my time is in a lot of, um, startups or growing, uh, technology companies that have kind of passed the startup phase in which they have a unique technology and they need the ability to market that technology to the masses and, and typically, It's a company that, is really changing the game.It's really, really disruptive. So what I love to do and what I'm doing now at Sunbelt is we're taking a disruptive technology in the pay over time space. And what we're trying to do and what we're doing it successfully is gaining significant market share in many different vertical markets, including the one that I manage, which is, uh, the dental patient financing space.Michael: Okay, so break it down to me Sun Bit. I'm under the impression Sun Bit is a bank Jay: or no? No, we are, we are a technology company. So we have the, uh, technology that allows or enables folks to get approved at a very high level. the technology enables us to approve about 85% of all people that apply for financing.And, and if, I'm not sure how familiar or not you are with specific financing, but usually that number is in the 40% range, 35, 40% range. Particularly now in a, in a. Recessionary sort of environment, inflationary environment, it typically tops off at 30, 35%. We're more than double that. And a lot of it is really because of the technology that we use, a lot of ai, a lot of machine learning.Cuz at the end of the day, what we're really doing, it's basically a math problem, right? Because you go to a bank, when you're a small business, let's say, and you go for a loan, Most people get rejected for a loan, for, for many reasons, may maybe their, their overall credit isn't good. They haven't been in business that long because the bank doesn't wanna take a risk on you, right?Banks don't like taking risks. what we do is we're able, using our technology to provide folks all throughout the credit spectrum, you know, not so great credit. Mid-level credit, very high end credit. We're able to get all those folks the patient financing they need when they walk into that doctor office.And so we allow through the technology, more people to say yes to treatment. And that's ultimately what we're doing. We use, we have, uh, banks, that kind of administer the loans, but at the core, our focus is on the technology. Because it's really a technology problem, like, the ability to have someone who is, you know, a good person, but they may have subprime credit, Historically, those folks don't get credit, right? You go to to Target or Walmart or Nordstrom's or wherever. If you're subprime, you're not getting a credit card. When they ask you if you'd like to, you know, get a red card or get a Nordstrom card, right? What we're saying and what we're doing is we're enabling folks both at the low end of, of FCO and at the very high end, full spectrum.They can get the credit they need on the dental space as well as other verticals that we work with. And we're comfortable that we're going to get repaid and we do it in a fair and transparent way and cost effective for the patient or the customer. And you can only really do that. With like mathematical formulas, algorithms, ai, et cetera.This isn't, uh, you can't do it via spreadsheet like, like the banks do, and like some older, uh, patient financing companies that have been around for 30 years. Gotcha. Michael: Okay. So I know you wanted to show something, right? Like a demo? Sure. Real quick. Sure. Of course. Sure. The demo is for what? Like for the patient doing Jay: it?Right. So what we do, maybe I can explain it a little bit. So mm-hmm. What we do is we do point of sale financing. So let's say you, um, haven't been to the dentist in a few years. You go to the dentist, they give you a comprehensive oral exam, they say, Michael, thanks for coming in. Appreciate it. Here's a list of seven things our doctor, uh, the dentist thinks you need to get done.Right. And those seven things have. Each, you know, a treatment and a cost, right? And at the end it's like, let's say $4,000. And they say, well Michael, how would you like to pay for the $4,000? And you're like, holy cow, I didn't budget for that. I don't have $4,000 in my pocket. Cuz it doesn't matter whether you have great credit you, you make a lot of money in your job or you don't.No one budgets. For unexpected medical expenses, like you can't go on your personal Quicken and, and, and say, okay, 2024, I'm gonna budget $3,000 for dental. Doesn't work that way. So what happens is that patient generally either says no to the treatment that they need, or they do kind of like a partial kind of, you know, French menu sort of thing where they say, okay, I'm gonna grab maybe the cavities here.You know, I'll, I'll take this $500 treatment here. But the other $3,000 doesn't really hurt me so much today, so I'm gonna go home and then when it really hurts me, maybe I'll come back. Right. And that's dentistry for the last 50 years, What they call case acceptance. So the ability of, let's say you, you have those seven things and it costs $4,000 and let's say you're only able Michael to, um, pay for 400 of that.Well, your case acceptance is basically 10%, right? $400. Divided by the 4,000 that you should have, uh, that you was prescribed to you, right? Which is terrible, which means 90% of your needs are not met, right? Mm-hmm. And you're walking out the door and probably never coming back. So that's kind of historic dental.So what we do is the patient comes in, they get qualified very quickly, and we approve nearly nine out of 10 folks. Without doing any kind of hard credit check, we do a soft credit check and the process is very simple, very clean. we like to think that it's like an un refinancing sort of transaction.It's almost like buying a coffee at a Starbucks drive-through. We want the experience to be not the same experience you get at a bank or from some old time patient finance company that, you know, maybe may still do it on, on pen and paper. Okay? Mm-hmm. So, That's kind of the preface of, of what we do. and I can, I can show you the kind of the process, how it works, because it's very, very different than anything you've seen or folks in the dental market for the past 20, 30 years.They've generally never seen it, and they usually have a very positive reaction to it. Like, you know, where have you been all my life? And can we talk and, and, you know, use this at your, at your practice. Yeah. Michael: Could we see it? Could we see how it Absolutely. How it works and stuff. And so absolutely. For absolutely.Sure. Sure. Our listeners listening right now, if you want to go on the show notes below, you can watch the video version of it and we can see it right now. Sure. Jay: so right on my screen, you see iPad. Okay. And that's the iPad I have in my hand right now. Okay.So we provide this iPad. To every dental office, and it could be more than one iPad, just depends on how many people, what kind of patient flow you have. So the first thing the, office team does is they will select their name. Okay? So again, this is a demo. Michael, who do you wanna be today? Michael: Beyonce always.Jay: Excellent, excellent choice. Who? Who doesn't wanna be Beyonce after all? Come on. Yeah, you click on Beyonce, then you click scan card, then we take the driver's license. Right? And it doesn't matter which state it works in all states. On the back is a barcode, right? So you take that barcode and what I do is I just scan that baby right there automatically.What happens is, and again this is in real time, I'm not, you know, slowing it down, speeding it up, takes my home information. Patient types in their phone number and email. They continue and then you simply ask the patient, Hey patient, is this your updated info? They usually say yes. You click copy to form the patients a agrees to check their options. And just like that you've been approved for $6,100. This is the approval process. Wow. That's it. We're done. Okay? Mm-hmm. So now there's a ton of things that happen in the background, right? But that's invisible to the practice, invisible to the patient, right? And again, this kind of goes into how we're a technology and data company.So a couple things here. One, you were approved for 6,100, we're approving every single patient. With a FCO score of 500 or greater. So when you, when if in terms of F ICOs, 500 is a very, very low F ico, right? Mm-hmm. But we're able to approve them because of our unique and flexible model. If you approve from 500, it equates to typically 85 to 87% of all patients that apply. So going back to the dentist example, the the office example, you know that. Eight and a half outta 10 people that walk in the office have the ability to get qualified for finance and can get the treatment they need.So that case acceptance number I gave you before, whether it's 10, 20, 30, or 40%, it shoots up dramatically so they can actually walk out being happy because they're, you know, dental problems are solved. Okay. So the first thing, high approval, second thing, we never do a hard credit check. So in the us, typically when you are.you know, when I signed up for T-Mobile mm-hmm. They do a hard credit check, which impacts your credit. It's not fun. Right. We do a soft inquiry to get to this point. So all we do is, get basic information. It doesn't impact your credit score whatsoever, but the kicker is, even if you decide to move forward with the loan, we still do not do a hard credit check.So it has no impact. Your credit has no impact. If you apply or take the loan initially, which is again, very, very unique. And again, it kind of is because of our kind of technology backbone. And the last thing is we approve up to $20,000. So I'll just show you one more screen. Mm-hmm. So let's say for instance, your treatment plan is 2100 bucks.So you click 2100. And then what we have here is basically. A menu of options like, you know, burger King, have it your way. Other, partners of our, of ours call it the Cheesecake Factory Menu of options here, we usually have three to six options here, right? We highlight the one that's the most affordable.So, hey, patient, you don't have to pay $2,100 today. Again, sigh of relief, right? You can pay 48 months, 48 to over 48 months, 56 bucks. In this particular case, it's a dollar down payment. Again, eight APRs vary. It could be 0%, um, or higher. In this particular case, let's say it's 12.99, you see everything very clearly delineated.There's no tricks, there's no penalties. Uh, we don't do any kind of deferred interest. If you're familiar with that, maybe the patient wants 0%. We have 0% options too. And so the idea is, and they just kind of select what they want. They kind of go through, the process. Make sense. Go the z Michael: go to the zero present one real quick.Sure, no problem. Okay. Okay. Gotcha, gotcha, gotcha. So it, it all changes throughout the, you're not set with the percentage then? Jay: Correct. So the, the idea is, The patient gets to choose what's best for them, right? We don't wanna make a judgment call, right? We don't wanna be judgmental, period in life, right?We don't know what shoes the other person's sitting in, but particularly the dental office. I mean, you don't know whether somehow someone is dressed and, and we shouldn't be making that. Let's let the patient decide maybe they're comfortable with 121 bucks a month. But maybe they're not. Maybe $56 is more comfortable for them.We let them decide, and that's kind of the power of the solution. There's again, three to six unique offers that they're getting, and they choose what's best for them. That's kind of part of the secret. If you give a product that's customizable to the individual, They're gonna like it more, and oh, by the way, they're going to pay us back at a higher rate, right?Which lowers the defaults, which again allows us to loan to more people. here's something like I learned early on. So payday loans, right? Terrible, horrible, predatory, four, 500% terrible. Mm-hmm. Well, why? Why are they four or 500% It's not because the money costs four or 500%, right? I mean, you can get a loan from a bank now even with high interest rates.12%, 13%, right? But the reason is because maybe five out of 10 people don't pay it back. So the five that do pay it back are paying for the five that don't pay it back. So that's why the interest rate is high. But if you can create a product that's customizable down to the individual you have a greater amount of people that pay you back.It's kind of like a self-fulfilling thing. You can continue to loan to more and more people so that your approval rates continue to be higher and higher and higher and satisfy more patients. And that's been kind of our goal from day one. We want people to pay back. So we, have developed unique offers for every individual.Michael: Mm-hmm. Can they customize also the down payment due at Jay: checkout? Yeah. Yeah. So they can, for instance, you can, um, Let's look at here. Let's say they wanna lower the $56 a month. Let's say it's still too high. Mm-hmm. You would just go click here and say, okay, I wanna pay 500. What? What? I just wanna make sure remember the 56 30?Mm-hmm. So let's say they wanna make a $500 down payment, right? Because they wanna lower the monthly payments. You click update and then magically what happens? It's $42 a month. So totally customizable, and a lot of people do that, and we want them to do what's most comfortable for 'em. I don't wanna dictate what's best for them.I, I don't know what they want, but they know what they want. So let's give them the option. when you go to the Starbucks drive-through, do they tell you what coffee to get? No. You know, you can get 10 different variety, 20 different, uh, variations of a macchiato. That's why they're successful.Michael: Yeah. Interesting. Jay. Okay. so a couple questions I have when it comes to the technology, because you said this is new, right? Disruptive technology, nobody's doing it in the industry or, no, I mean, Jay: every, their, their patient financing has been around.For 25 years. but historically, even today, it's very much FICO driven. So if your FCO is 6 81, you get the credit you need. If it's 6 79, you get decline. It's like a straight number. Right? And there's companies that provide those numbers. There's. You know, uh, vantage, and there's various, you know, uh, Experian, TransUnion, et cetera, to provide the number.So most of the companies historically just do that. And there's not really any technology there, right? That's mainly how banks are like old school patient financing companies that have been around since like 1990. That's what they do. But, but think about this example. let's take you and I, today.Our FCO scores are six 50, right? Both of us, like it looks like we're the same, right? But what if a year ago, yours was 600 and mine was 700, Who's the greater risk? We're not the same. Six 50 is not the same. You're a much better risk than I am because you're on your way up, you're trending. And I'm on my way down.So our offers might be a bit different and they should be a bit different. We can't be treated the same. So we look at thousands of data points. It all basically, and we're not getting any kind of secret information. This is, we're doing a soft data inquiry, right? So we're getting kind of condensed data.and then we take that data and we use it to model basically we measure it against our, our AI model. And then it spits out the information. Okay, approve, not approve. If we're gonna approve them, how much are we gonna approve them for? What's the a p r? you know, then again, what's the e fee, if there's a down payment, et cetera.So it's that uniqueness that enables us to up with an offer that could be very different than someone else. So typically, a lot of the folks that we're approving people aren't touching with a 10 foot pole. Why? Because historically, if you're measuring things by fico, it's just not real accurate for installment loans of 18 months or 24 months.Mm-hmm. So we have confidence that we're gonna get paid back. And in terms of our, you know, numbers, people do pay us back, at great rates. So that's, I think, the difference. It's. Everyone is a bit different in the world. every American is different. When they apply for credit, they're different. And you have to have a product that takes that into consideration.We're not like just a score, right? We're, we're made up of, of thousands of different, you know, uniqueness characteristics, whether you're, I'm not talking about finance, but just in general, we're all different. Mm-hmm. So you need to have kind of a scoring system, a mathematical model that takes that into, into consideration.Michael: now when it comes to, when it comes to this, I know you mentioned soft data, our data pools mm-hmm. And what's behind the soft Jay: data pool? So basically how it works is.These credit agencies basically charge money, right? To companies that would like to pull your data. Of course, it's with your authorization. So I, I don't know if you remember on, on the iPad there's clear authorization that says you, you know, agree to having your, uh, credit soft pulled. So basically it's like a condensed credit file.Mm-hmm. Okay. So, If you get that condensed credit file, that soft inquiry, it doesn't have any impact on your credit score, If you get a hard credit check, which by the way, nearly all the patient finance companies use, why do they use it? Because it has much more granular data, And they basically take the granular data, they feed it into their kind of limited model and, and they say approve or not.Our technology takes the condensed, takes the more limited data, and then we feed it into our proprietary model, and it gets us to an answer that's satisfactory such that we don't need the hard credit check. And oh, by the way, hard credit checks are terrible. Like, like if you're, you know, if you're buying a house or an apartment.it hurts you, it's questionable in terms of how much and and how long it's, it hurts you on in terms of your report. Mm-hmm. But it clearly hurts your credit for a period of time. So we avoid that. We avoid the friction in the office staff because of that. And again, they're regular people, just like the folks that are walking in.They don't wanna offer a product or service that's going to hurt their patients. Right. That's just not human nature. So it reduces the friction. So when they use, um, you know, when they're working with us, you know, some that working with, you know, with the iPad, they can be comfortable that it's only a soft inquiry.And so that helps us get a lot more utilization than, than the company that they used before. You know, we got to their office. Yeah. Does that makes sense? Michael: Yeah, that makes a lot of sense. I know a lot of the times like. When, I remember when I was trying to build up my credit, like it was in the 600 s and I'm like, oh man, I, any little thing, hard inquiry.Oh yeah, you get outta there, right? Like, I didn't want that Jay: terrible Yeah. Kind of thing. Yeah. Like, I'm, I'm like, I'm like paranoid. Like I, I have, you know, um, those free credit services and I look on the report because you, you wanna check it like you, you, or if you're in the process of buying a house or whatever, or a car, you, you don't want your hard credit check.But even if you're not, like in general, there's really no reason like, When I, I was telling a story when I got to, when I moved to LA and I went to the T-Mobile store, they took down my information and before they even asked me what package I wanted, they were like, oh, we need your social security number cuz we need to do a hard credit check.And I'm like, why? Why do you do a hard credit check when you don't even know what, what I want? Like what if I want prepaid? Mm-hmm. Like, I'm gonna, I would maybe pay you the cash. Now, that's not what I wanted, but they're like, no, we have to do a hard check. It's like, no, well you really don't. Just that they don't have the technology in place to kind of determine the credit worthiness of that customer.And we do. So that's why, it's a soft inquiry and we're, I believe, the only company that does it throughout in terms of the app, the, uh, approval process. And then when they actually take the loan. Still, no, our credit check. Wow. Michael: Okay. So I never thought about that, Jay. I always thought it was like a people problem instead of a technology problem when it came to like being approved.Jay: It's not, it's, it's, it's, I'll tell you, it's like a co it's a complex math problem, right? It's like this guy who has a six 10 fico, let's say has a job she has a job, they have money in their checking account, But based on historical, credit worthiness standards, They are not getting any credit card whatsoever, right?Because it's been told by them that it's not happening. But we look at it very differently. Like if it's a $2,000 installment loan and it's over 24 months, the question is, does this person have a hundred dollars? And they're checking account every month cuz we're pulling out of their checking account.And the answer is generally yes, but it goes against. All the kind of the credit, decisioning that's been going on since like 1950. I mean, I brought something here, which kind of cool. So you're, you're from the West coast. This is a credit card application. There's a store called Gimbals based in, I believe, Philadelphia.Open in 1880, close in like 1987. This is actually, we kind of see it here. This is actually a credit card application from 1967. Pristine condition. Okay. Yeah. So what's interesting about it is if you look at the question that's kind of small, prince, I'll read, if you look at the questions, the same questions of what's your income, do you rent versus own?Are you married versus single? this is 1967. So what have credit card companies and patient financing companies done? All they've done, this is the same 1967 application. They've just digitized it. They're asking the same questions. I guarantee you, if you go to an office that has another patient financing solution or you go to Target or you go somewhere else, they're going to ask you married versus single.What's your income rent versus zone? These are questions literally 60 years old, and they're still asking, this is basically what you see today is digitized. So it's, there's like a lack of innovation that has taken place that actually hasn't taken place, right? And, and specifically patient financing in 30 years.Literally nothing. Literally nothing. And so what we're doing is we're focusing on the technology and solving the math problem. And helping a heck of a lot more people get approved and get the dentistry they need. And that's why we're growing so rapidly. Gotcha. Michael: So then I like that part where you light bulb, I mean like it, it opened my eyes.It's true. It, we just put it on a computer and now we're kind of like presenting people and we don't really see the need to change until you kind of showed us the demo. I have a question. True. When it comes to the risk on this, let's just say, okay, six 10, right, credit score, I'm gonna pay you back. And then we do the sun bit thing and then we're like, okay, boom, I'm gonna pay 58 something.He pays the first one, then he kind of skips on the second one, third one, oh no, it's starting to go down, right? It doesn't look good. Who runs the The risk there? Jay: So. we do non-recourse loans, which means we take full risk. let's say you're, you're, you're at the dental office and you do a, a $2,000, uh, transaction for, I dunno, bridge, crown, et cetera.Two days later, we send those funds to the office, then we sit back and we wait for the patient to pay Huss if they don't pay for whatever reason. That's my mistake. You guys are sitting on the money within two business days and we will never claw back those funds. So we, we are taking the risk.And as you can imagine, that being said, you know, we have a very heavy duty data analytics, you know, risk fraud, et cetera, group that manages this risk. And obviously there's a lot of, Techniques that we use in the process to kind of minimize this. But we also have a huge collection group. So we have a customer, uh, care center, 160 people in Las Vegas.Our employees, we manage it top to bottom and we call it like collections with kindness. So it's really, really important for us. To maintain those relationships because we have al also customers that are fixing their cars, uh, getting a new set of tires, new batteries, and those same cu customers are our dental customers as well.So there's a lot of, cross vertical, uh, customers. We have even more when you think about it. Remember, we're not, we're not financing powerboats, right? It's not like someone goes and says, I'm gonna buy a $30,000 powerboat and then I'm not gonna pay it. Right? These payments on average could be 70, 80, 90, a hundred bucks a month.So generally when that's the case, plus the process is good. It's very clear they, you know, we only work with, you know, great partners. they may be late by a day or two, so we'll call them up and say, Hey, what's going on Very nicely. And generally no one wants to ruin their credit for 70, 80, 90 bucks.Mm-hmm. A month. Now, if it's a $30,000 power boat, That's kind of a different calculus, right? You may want to say, I want the powerboat and I don't wanna pay for it. Right? And it kind says okay, kind of. I understand kind of the logic there. I don't agree with it, but I understand it. But in dentistry and auto and the other verticals we're in, typically it's, it's high frequency, lower dollar, monthly payments, and generally people are paying them uhhuh.Michael: That makes a lot of sense. So then, Into practice. Let's just say somebody's listening and they're like, oh, cool. Sun bit. Right? I'm gonna check 'em out. I'm gonna try it. But they already have like Care, credit, lending Club, Verity, right? All these other ones. Is this just another add-on? Like do we just add it on?Or what do you recommend? Do we take others? Would it even make sense to have other ones on anymore? Cause we have some bit. Jay: Yeah. It wouldn't because we, we like to say we are the waterfall because we're approving folks from 500. So every single patient that has a 500 FICO and higher. We're approving. So again, it's 85 to 87% generally.So that's higher than all those solutions combined. Right. Even if you kind of stack 'em up. Mm-hmm. Um, so when we go to an office, we believe, and I think it's been proven by, you know, we've got 9,000, uh, locations in dentistry that we believe we have the best. Financing product out there for patients, bar none.the process is better. The approvals are better. So if an office has multiple products, well, here's a question. I mean, if they have multiple products, why do they have multiple products? Right? It's like, it's the old saying, like, if you have two quarterbacks, you have no quarterbacks, right? They have, they have four products.Cause they had one, right? And then they had two didn't work, then they had three. It didn't work and they had four. They use us and generally they eliminate everything. that they typically use in the results are better because we're eliminating a lot of friction. The office staff loves the tool we have.we have a appreciation program for the offices as well. We have a Sun Beast program, which, you know, they can get, you know, uh, for just doing the regular course of their work. They can get, you know, gift cards, et cetera. Uh, we also do some fun stuff as well, but in, in general, we are the primary financing provider of all the offices that we're in.Michael: Gotcha. Sun Beast is the appreciation program. Correct, correct. Oh, okay. And that's with like the Jay: practices? Correct. So we have, right. So if you think about it, you know, we're, we, we've got right now 40, I, I wanna say 50,000 sun beasts because we have an application and, and then when we train an office, they download the application and then we, you know, send them cool things like they're just different promotions and things like that.They can learn that we have like a, you know, a sun bit tip of the week, things like that. We want to. Train appropriately so that the office team members are really, really comfortable. We also wanna make it fun. Like we don't wanna be, you know, the boring finance company. Like we wanna be the guys that are helping people doing it the right way, not charging any crazy fees or anything like that.We don't do any kind of, you know, deferred interest. we think we can be the good guys, be profitable, and, Help a lot of patients get the treatment that they need. Gotcha. Michael: What are the, what are Jay: the fees? So the fees in, in general, they're risk based. I won't go over like in detail, but in general, the fees are pretty much the same, very, very similar on a blended basis as what they're paying today.The difference is they're gonna get double the amount of approvals and. They're gonna have more people apply. So it's very common that they see our practices and our groups and our DSOs. We've got, you know, large groups, mid-size groups, single location groups. Um, it's very common that we see three x four x, five x, the amount of production with Sun Bit.Then whatever they're using today, because again, it's so easy in the high approvals, but the cost is basically about the same as what they're paying today. Michael: Gotcha. Yeah. And I noticed like it's never, that's never really the issue when it comes to like, uh, presenting or when it comes to accepting this, right?Like let's just say, yeah, I'll take some bit, right? Or I'll take another third party. What's the issue is more like the patient's accepting it, right? And the one barrier is like, oh my gosh, you're not approved. You can't, even if you wanted to accept that, you can't. Right. So that's a barrier lifted with some bit, both.In your experience, what's the best way we could present this to a patient? Jay: It's a great, that's a great question. That's a great question. It's something that we, we talk about quite a bit in our training. So what we like to say is, Have the iPad, do the talking, right?Show them the product, say, hey, you know, when you go through the treatment plan, you know, you do the comprehensive oral exam, you do the treatment plan, you're sitting down with the tc and the TC generally says, or the office manager says, Hey, You know, it's $2,500, but you don't have to pay everything today.Let me get you qualified. Takes 30 seconds. No hard credit check again. Cuz what happens is it's such a pressurized experience and it's happened to me too. Like even like prior, prior to Sunbelt, family member needed some significant dental work. It was like seven, $8,000. And you're like, you gasp. You're like, oh, man, that's like crazy, right?Mm-hmm. It's not cheap. It's, it's not getting cheaper. It's getting much more expensive. So what happens is the person goes with, you know, sits down with the tc, they hear that number. All of a sudden there's like a wall, right? There's a wall that's built. It's panic. You're, you don't know what to do on one hand, you need to get the work done.On the other hand, it's a crap load of money. And you're like, what do I do here? And you've stopped paying attention to whatever that other person is saying because all you're thinking about is the, the little thoughts in your head, like, how am I gonna pay for this, right? Mm-hmm. And again, it doesn't matter if you're making 300,000 a year, a hundred thousand a year, 50,000, it doesn't matter.It's a lot of money, right? No one budgets for this. So when the TC can put the patient at ease and say, Hey, I know this might be a, a large sum, but hey, you don't have to pay for everything Today. We have a patient financing solution that approves, 85, 80 7%, let me walk you through. It takes 30 seconds, no hard credit check.And then usually what happens is there's like a sigh of relief. The wall gets removed, there's a bit more openness, right? It's, it is very much like human psychology or, and it's, and that's what I've kind of, it's, it's very interesting and. The wall gets, uh, broken down and the patient is able to communicate clearly with the TC and the TC with the patient.And once they do, they show the demo or they show the the iPad. It's a very easy, simple, understandable process. And, and that's generally the best way to do it. just want to kind of let the iPad do the talking. Yeah, I like that. And present it. But you gotta, you gotta present it like it doesn't, we can't approve loans.If the iPad isn't presented right or if, yeah, you have to basically understand that hey, 40 to 50% of patients that walk in the door have less than a thousand dollars in their checking account, right? Mm-hmm. And if you wanna truly help patients, right? This is a huge impediment to case acceptance, right?Like money. So if you can help them, then help them with this. You can get them more treatment, which is I think, the goal of everyone that's working in the office. Including the, the Michael: dentist. Mm-hmm. Yeah. Yeah. It is the goal. I mean, but that's the thing we have to remember, like to present it right. Um, all the time to the patient.Yeah. But I like what you said, how, how it's human psychology. It's true. Even if get approved, cuz for example, let's just say you have the cash and you don't get approved. Sure. You, you're, you're in a negative flow now, right? You're like, of course. Of course. I didn't get approved. That's what I thought.You know what? I'll, I'll, let me talk, talk to my husband, my wife about it. You know what I mean? I'll get back to you, blah, blah, blah. But when you're approved and you're like, oh, I never get approved. I'm approved. Jay: Exactly. Wow. Look, Michael, I've seen people cry. Mm-hmm. Tears of joy when they get approved.I've seen it multiple times. I've gotten hugs before and like, it's, it's very weird. Like it's, it's, it's a beautiful thing, but it's very strange for it to happen because it's so infrequent. But you understand, We're not doing brain surgery here. Let me just put that out in front.But we are helping people with their oral health, which, which impacts the rest of their body, And if we can help people, Full spectrum of folks that normally can't get helped. It's amazing. And you're right there. There's two sets of what happens here. They get approved and they generally haven't gotten approved before.In some cases, they're super happy, but the alternative is in the past, when they get declined from other providers, they do not come back to the office. You know, it's like the Terminator when he says like, I'll be back. Yeah. He never comes back to the coffee shop at the end. And you remember he, he never comes back.Mm-hmm. Right. So it's, it's kind of a gr it's, it's really a gratifying thing that you wanna help these folks, and this is a great tool for case acceptance, you know, increasing the production of the office and helping patients get the treatment that they need. Michael: By any chance, Jay, do you have any like, stats on how this has improved, like any specific practices, you know what I mean?Of course. Jay: Yeah. I mean, we have, we have lots of case studies. I mean, we've, we've seen cases of, you know, ebitda, Significant ebitda, uh, improvements, significant production case acceptance. We've seen sometimes 30, 40%, uh, increases. significant. Um, because again, if you're offering something that approves nearly everyone, you're going to get great results, right?Because keep in mind, from the office perspective, if you offer and someone gets declined, just like the patient won't come back, the office staff. Won't offer it anymore. So that's what's typically happened. So there's, you know, there's, there, there, you know, a large competitor out there that's been around forever, but a lot of people don't use it because they have, been declined.You know, the office has declined folks, so they just stop offering it. But, so even though they've stopped offering it, that doesn't mean that the patients walking in the door don't have needs. Right. They of course have needs, you're just not offering it to them. Michael: Interesting, interesting. Okay, so Where can we reach out to you if we have any questions or concerns? Sure. Jay: So, um, the best way is, uh, sun.com, slash dental. can also email me. So I manage the dental practice at sun j y sun.com and happy to, help anyone that, whether it's, again, whether it's a single practice, you know, single practitioner, Multiunit group or large d s o we work with, um, all of them.again, we wanna help people. We wanna do it the right way. And, and really that's why we're, we're growing at the rate that, that we are. Michael: Nice. Awesome. So guys, that's all gonna be in the show notes below, so definitely reach out to Jay and Jay. Thank you for being with us.It's been a pleasure and we'll hear from you soon. Great. Thank you Jay: very much, Michael. Appreciate being on.‍‍

In the final hour, Dan Bernstein and Laurence Holmes were joined by Jason Lieser of the Sun-Times to discuss Bears cornerback Jaylon Johnson's return to Halas Hall this week after he was previously absent from organized team activities, which began in the middle of May. Lieser also received parenting advice from Bernstein. After that, Bernstein and Holmes discussed the joint statement that was released by Bears president/CEO Kevin Warren and Chicago mayor Brandon Johnson on Wednesday after the pair met to discuss their "shared values and commitment" to the city. Later, the guys reacted to Reds rookie Elly De La Cruz's first big league home run.

Kirk Minihane is broadcasting from Barstool Chicago where he'll be on-stage looking for his first The Dozen Trivia title. Jeff D Lowe joins to discuss the events that led up to tonights final. White Sox Dave checks in after posting the fake Kirk email sent to the entire content team. Eddie pops by to discuss everyone moving to Chicago and the new office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/kminshow

Lincoln Yards developers seek bailout from Chicago teachers. Ben riffs. And professor Lance Williams talks about his latest book: King David and Boss Daley. As he explains it, Chicago's violence, segregation and hate is in the city's DNA. So don't act surprised by what's going on. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The tension between the PGA and Saudi-backed PIF has been growing for years. The two are now united in a historic merger in an attempt to move past antitrust lawsuits, accusations of human rights abuses and confusion among players. Reset gets analysis from Chicago-area golf expert Rory Spears, co-host of Golfers on Golf Radio, and editor and director of content for Golfersongolf.com.

We pick up from last week's episode with the conclusion of our personalized tour by the owner, Terry Evanswood. We enter his Hall of Awards then proceed into the Willie Wonka room. This begins the continuation of our voyage into the make-believe world that is the Magic Mansion. In the second half of this week's episode, Terry tells us about his journey from Chicago to Pigeon Forge and his trip up and down the main street as he moved from theater to theater over the past 25 years. View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize If you find yourself in the Pigeon Forge, Tennessee, area, then please remember that there is more than just Dollywood to visit. Please check out Terry's website at https://evanswoodmagicmansion.com/ where you can check dates and availability for both seeing his magic show and visiting his Magic Mansion. And if you are visiting during the Halloween or Christmas seasons, then you will receive an even more special and exciting tour that is customized for the seasons. Download this podcast in an MP3 file by Clicking Here and then right click to save the file. You can also subscribe to the RSS feed by Clicking Here. You can download or listen to the podcast through Stitcher by Clicking Here or through FeedPress by Clicking Here or through Tunein.com by Clicking Here or through iHeart Radio by Clicking Here..If you have a Spotify account, then you can also hear us through that app, too. You can also listen through your Amazon Alexa and Google Home devices. Remember, you can download it through the iTunes store, too. See the preview page by Clicking Here If you would rather not enter the contest but prefer to buy the book, it is normally $12.00; however, Michael has slashed the price to $8.00 for listeners of The Magic Word Podcast. You can buy it directly from Michael by contacting him at mbreggarmagic@gmail.com and paying through PayPal. Enter the Groovy Contest for a Chance to Win "Take Five" by Michael Breggar Up for grabs are two, count ‘em, two eBooks and one physical book. First Name Last Name Email Address Enter now If a winner is from a foreign country (outside the U.S.), then an eBook will be awarded. The physical book will be shipped, postpaid, to a winner who resides within the U.S. Your email address will only be shared with the author, Michael Breggar, who is offering this prize. This contest only valid where permitted by law. Thank you for entering the contest. If your name is randomly selected, then you will be contacted by the author, Michael Breggar, for instructions where and how you would like to receive your prize. Good luck!

As cycling season kicks into high gear this summer, parents who bike with their kids in the city are pushing for changes that will make the roads safer for them and their children. Reset talks with Courtney Kueppers, a digital producer and reporter for WBEZ, to learn more about these efforts.

Emily Fleming is here with advice on how to fray your jorts with a rock. Joe Kwaczala is back with a new special called Ooh La La and a lot of info about the Dave Matthews feces incident. What Joe can't remember Tony looks up and also do you guys know about the usage of "jawn"? All this and funny walks, Mr. Tumnus, Just Me Or Everyone, the Renaissance Faire, urinal talk and so much more. Check us out on Patreon: http://patreon.com/alisonrosen   This episode is brought to you by: ZOCDOC: http://zocdoc.com/bestfriend Buy Alison's Book: Tropical Attire Encouraged (and Other Phrases That Scare Me)  https://amzn.to/2JuOqcd You probably need to buy the HGFY ringtone! https://www.alisonrosen.com/store/ Try Amazon Prime Free 30 Day Trial

(00:00) Intro (2:27) His position (3:51) How he started (6:46) Past experiences (9:43) Stuff going wrong (19:43) "Important hire" (23:16) Laptop issues (24:35) Wifi issues (27:36) New office plans (30:21) Live streams (36:06) Outro All Business Pete joins the show to talk about his career as Head of Media Technology at Barstool. We get into how long we've been waiting to do this, how he ended up in his position, his plans for the new Chicago office, and more.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/thedogwalk

Things Discussed: HAIL TO THE VICTORS 2023!!!! Josh Wallace: David Long but normal speed. Olivier Nkamhoua: The *Perfect* pickup for them. Sucks that they couldn't add him to Dickinson but he's exactly what they need to reshape this into a switchable defense, and can score and pass. Big Ten scheduling: Will announce today that they're going to a flex model with no divisions. Possibility of playing OSU 3x/year. Craig hates being locked in with MSU but we're stuck with them. Brian hates night games. Seth hates replays and advocates again for the Showcase idea where you play the best games that weren't played. Sam thinks this is just a stopgap because they wanted to get rid of divisions that put Purdue in the championship game, and they're not done adding teams. This system won't last more than a year or two. Will USC play Michigan? When you join the Big Ten, you get to play Michigan. When Penn State joined the Big Ten, they got to play Michigan. When Michigan State joined the Big Ten, they got to play Michigan. When they formed the Big Ten, it was so Chicago could play Michigan. Lionel Messi. Brian has advice for the women of Miami.

What is the future of the racial justice movement in America? Sean Illing talks with Cedric Johnson, professor and author of After Black Lives Matter, about building a protest movement that meaningfully recognizes the underlying economic causes of the social inequities highlighted by the BLM movement. They discuss the demonstrations of Summer 2020, the prospects of building a multiracial class-conscious coalition, and viewing urban policing as a symptom of larger systemic problems. Host: Sean Illing (@seanilling), host, The Gray Area Guest: Cedric Johnson, professor of Black Studies and Political Science, University of Illinois Chicago References:  After Black Lives Matter: Policing and Anti-Capitalist Struggle by Cedric G. Johnson (Verso; 2023) "Amid Protests, Majorities Across Racial and Ethnic Groups Express Support for Black Lives Matter Movement" (Pew Research Center; June 12, 2020) "Veto-proof majority of Minneapolis council members supports dismantling police department" by Brandt Williams (MPR; June 7, 2020) "'I'm not angry at all': Owner of looted Chicago photo shop vows to rebuild" by Ben Harris (Times of Israel; June 3, 2020) "Notes Toward a New Society: Rousseau and the New Left" by Marshall Berman (Partisan Review, 38 (4); Fall 1971) "Marshall Berman's Freestyle Marxism" by Max Holleran (The New Republic; Apr. 14, 2017) Achieving Our Country: Leftist Thought in Twentieth-Century America by Richard Rorty (Harvard University Press; 1999) Violence Work: State Power and the Limits of Police by Micol Seigel (Duke University Press; 2018) "The systemic issues revealed by Jordan Neely's killing, explained" by Nicole Narea and Li Zhou (Vox; May 12) The American Revolution: Pages from a Negro Worker's Notebook by James Boggs (1963) "Official Poverty Measure Masks Gains Made Over Last 50 Years" by Arloc Sherman (Center on Budget and Policy Priorities; Sept. 2013) "300 transit ambassadors become new sets of eyes and ears for LA Metro" by Steve Scauzillo (Daily News; Mar. 6) Enjoyed this episode? Rate The Gray Area ⭐⭐⭐⭐⭐ and leave a review on Apple Podcasts. Subscribe for free. Be the first to hear the next episode of The Gray Area. Subscribe in your favorite podcast app. Support The Gray Area by making a financial contribution to Vox! bit.ly/givepodcasts This episode was made by:  Producer: Erikk Geannikis Engineer: Patrick Boyd Editorial Director, Vox Talk: A.M. Hall Learn more about your ad choices. Visit podcastchoices.com/adchoices