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Kiera and Kristy break down a few reasons why your practice might not seem (or might not be, period) to have any money. They touch on how to find your profit point, knowing your debt, staying on top of collections and AR, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera. And today I have Kristy with me and I'm super excited because today is one of my favorite things to do as consultants and I call it office autopsy. ⁓ Don't worry offices, this is a mix of a few offices because believe it or not, offices think that they're on individual islands and believe it or not, you're not. ⁓ Multi-practices actually struggle, they actually do the same things that you struggle with. And so we just wanna make sure that we bring, we're not going to ever disclose who this office is.   We will mix a few offices together, but I think for people to see what the office's pain point was and then what as consultants were able to do. Kristy, we have some really fun ones. so Kristy and I decided we wanted to podcast today about some office autopsies of what, hopes to help more offices. So Kristy, welcome to the show today. How are you?   DAT Kristy (00:48) Good, thank you. Pleasure to be here.   The Dental A Team (00:50) Of course. Well, I'm super happy because I think the one that we run into a lot ⁓ is we call it cash flow row or cash flow woes, like whatever you want to talk about. But it's really when an office comes to us and they seem to not be able to figure out what's going on. ⁓ They feel like they're producing. Sometimes they're producing, sometimes they're not. So we'll kind of discuss like how to know if you're producing enough or not. But then they feel like they just like have no cash. And so giving some background.   Like I said, I'm going to blend a couple of practices together, but we have kind of going to do like two simultaneous ones. One practice was producing really, really well, but literally the owner felt like they had no money. We're talking like flat broke, felt like they were completely going to go under, had no money, but yet their production numbers were really good and their P &L looked really good. And we're just like, it showed on the P &L. I think, Kristy, you'll find this too, offices get so frustrated.   I got so frustrated and angry with my CPA when they said, well, Kiera, like according to the numbers, you have money. And I'm like, great, high five, jerk. I have no money in my bank account. Like it's the most infuriating feeling in the world of my CPA tells me I should have money, but there's no money. Flip that too on the other side when a practice isn't quite producing what they need to be producing to pay for their expenses. And they feel like they have no money and they are flat broke, which in reality that practice is flat broke because they need to produce more or they need to cut.   So we're gonna kind of dig on both sides of these with office autopsies of what we see, what we've been able to do. And let's start, Kristy, on the side of what do we do? Like, okay, first step, how do we find like the profit point? Like, how do we figure out what should an office be producing? Because I think that's also infuriating when doctors are like, but I'm just producing. I feel like I'm trying to out-produce my problems. Like, I don't know how to produce more. ⁓   how do you, Kristy, as a consultant, come in and help offices just gain that clarity? Because I think sometimes when we know the North Star and we know what we should be targeting, it actually becomes a lot easier to then build block schedules and then figure out what our overhead should be. But how do you help offices even dig into that? As point one to figure out, let's autopsy both of these practices, I think this is step one to really getting clarity.   DAT Kristy (03:00) Absolutely. I agree with you, Kiera. ⁓ The first step is to understand how much we're paying for things. What is the cost to keep the doors open? You know, we talk about overhead, right? But what is overhead? It's everything that we have to pay within a month. Rent, utilities, staffing, right? The other thing that I want to point out is many doctors don't include themselves in that. And I definitely want to pay them   The Dental A Team (03:16) you   DAT Kristy (03:30) Just like if they were an associate in the practice and so we want to include that in that overhead cost if you will and find that What I like to call profit point so we know where we're what's our? BAM right   The Dental A Team (03:48) bam, that bare ace minimum, like what do we have to   do? It's kind of like in real life. I mean, I think all of us have a bam in real life. You know what your mortgage or your rent is. You know how much it costs you to like do your groceries. You know how much daycare is, you know how much it costs you for like your Amazon spending. And some of those are fixed costs. So fixed are like your mortgage or your rent. You can't really change those. Those are fixed for you. Yes, like I get it. The semantics, we're not CPAs here. We're not like, that's not our world.   The semantics are can you change your rent? Potentially you could go find somewhere else. That is an option you could do. But most of the time those are pretty fixed. Just like our utilities are pretty fixed. You can be like my husband where literally our AC goes off at 6 p.m. at night. He freaking freezes us until 6 o'clock to save on these utilities until 9 o'clock. It drives me wild. I'm like in a hoodie freezing, shivering. And then the AC goes off and I'm like roasting. It's really entertaining because he wants to save the $3.   But genuinely speaking, like you're not really going to be saving on those fixed costs. are some fixed ones. Staffing is usually pretty fixed. However, we could add team members or take team members away. So therefore it's not as fixed. But like you said, Kristy, I think it's figuring out in a practice and agreed, doctors should be paid. Like nobody, think that that actually causes more stress for owners. If you don't even know what your paycheck is or you're just taking draws, because then how do you budget your life on a up and down volatile paycheck?   I think that creates a lot of stress versus like, okay, great. Let's just put you at a hundred grand or let's put you at whatever is a reasonable salary. Talk to your CPA. They'll be able to give you that. ⁓ And that can be agreed with Kristy. I like to pay you as an associate, but if right now the practice can't support that minimum should be a reasonable salary of say a hundred grand. So that way you can at least bank on that of getting that paycheck in your practice. Sometimes you have to adjust that, but generally speaking, if we at least give you some type of certainty and clarity,   that's going to help you then be able to budget your life around that too, in addition to budgeting your practice.   DAT Kristy (05:49) Absolutely. In fact, Kiera, sometimes even with startup doctors, I like them to even keep a spreadsheet of their production as if they were paying them as an associate. And then when they start to get profitable, we can back pay those wages. But definitely they have to take care of themselves first. ⁓ I've even seen where they get a little bit of animosity if not, right? Like, staff's driving these cars and they're getting their nails done and they're doing   The Dental A Team (06:00) Agreed.   Mm-hmm.   DAT Kristy (06:19) and I can't even pay myself. So I think it's very important that we understand what that is and work toward that, number one, if we're not there. And then if we are there, adding additional ⁓ percentage to that, which us as consultants can help guide that depending on your goals. If it's paying down debt, paying you as an owner doctor.   ⁓ And you know, we follow the EOS system, so adding those buckets for taxes and those sort of things that come up and we can be prepared for.   The Dental A Team (06:55) Yeah, no, I think it's brilliant, Kristy. And when you said that, I agree. You don't want to not be paid in your practice, because that gets, A, it's stressful, and B, it's annoying, and C, you've got all this debt on you. ⁓ But I also think when we're looking at our practices, there are pieces, so when doctors are like, I'm not getting paid, I just want to remind that sometimes we're being paid through things running through our practices. And so we've got to be careful, because that is,   Like if you didn't have your practice, you'd be paying for that out of pocket. And so that is technically part of your salary, doctors. And I don't want to be the like balloon pop girl over here. I do want to be realistic because a lot of times doctors are like, I'm not making money. And I'm like, but you forgot that these things are running through your practice. So you are being paid for those or those things are no longer coming to you, which is totally fine and legal. Talk to your CPA. Like we want you to do that. There's nothing wrong with it.   But when we're looking and we're like stomping our foot saying we're not being paid, sometimes I even have to remind myself of like, yes, but Kiera, if you didn't have the business, all those costs would be coming out of your W2 paycheck, not your business right off. So agreed with Kristy, when we're looking at this, step one is let's find that BAM, let's find that profit point, let's find out what you have to produce. And then from there, what we need to find out is also in addition to that, how much is our debt?   Because a practice should not have to be covering your debt, but you as a human needs to be covering your debt. So if your student loans, your practice loans, things like that, the practice isn't necessarily a poor performing practice. You just have all this excess of like, my gosh, I have to pay this off, which that's real life for you. And I think that's the difference of a CPA's bookkeeping for you versus your real life living through it. And I can tell you from personal experience, like this is very hard. Sometimes practice loans do go through your   your practice profitability. Again, this is pending on your CPA and how they recommend you do it. But most of the time your student loans and different things like that don't run through the practice. So, but you as a human need to have enough money to be able to pay for all those things. So I think it's finding out the practices, BAM, like Kristy said, finding out your personal BAM, because that might be different. And then from there, let's tack on 10 to 20 % beyond that. So let's say you know you've got to produce 50,000. Well, awesome. 10 % of that would be 55, adding   20 % excuse me, so 10 % of that is going to be an additional $5,000. To do 20 % of that's going to be an extra $10,000. So if I know I've got to do 50, I've either got to produce 55 or 60. Now that becomes much easier and I know beyond that I'm going to have 10 to 20 % leftover of the practice after everything's spent. Our ideal is to get it to where your 50,000 is 50 % of your practice and there's 50 % quote unquote profit beyond that. Now again,   that profit is a little bit funny because if we're doing a 50 % overhead and 50 % profit, doctor salaries usually are not included in that. If doctor salaries are included in that, then usually it's a 20 % profit at the end of that. So I know those two numbers feel a little like disjointed. They've been very disjointed for me. So if you're doing true overhead, we want it at 50%, 30 % doctor pay, 20 % profit. If you want to combine it all together, then it would be 80 % quote unquote overhead, 20 % profit. Now that 20 % profit though,   does technically pay for debt services. So watch that. You might need to scale down our 50 % down a little bit more or 80 % to then be able to offset that. So hopefully that wasn't too confusing for everybody. This is why we're consultants. This is why we help you. But I think when you understand like either need a 50 or an 80 % ultimate goals, we're trying to get 20 % cashflow at the end of the month. think for me, that's like the easiest thing. Like, okay, if I'm producing a hundred grand a month,   I want 20 % of that, so that's 20 grand. So like I'm trying to do easy numbers for all of you. I want 20 grand after everything's paid to still be remaining. Now, one other kicker as a business owner is that 20 % is also taxed. So don't forget that that gets taxed. So if you're at a 30 % tax bracket, well, you gotta take 30 % of 20 grand and then the rest of that you can spend. And this is why I think owners get so frustrated, because it's like, oh my gosh.   Like just tell me how much money I can have. And when I talked to a CPA and Kristy, I think you come across this, like our whole lives up until owning businesses, we've been paid at the W-2. So everything we got paid, we were able to use. Well, now as business owners, everything we're paid, we don't get to use. That's not the way the game works. ⁓ And it's due to write-offs and different pieces like that. So I think just knowing the rules of the game, I remember being so fresh with my CPA and I said, I like you're playing Monopoly with me. Like just tell me the dang rules.   So, and like, don't tell me like, no, you can't pass go, but you can pass go if you do X, Y, Z, but then like, no. So it's really, you've got to have a profitable practice of overhead. That's what we as consultants are really obsessed with. You also as an owner need to be responsible of how you spend. That's not to say you can't spend, but you do need to spend responsibly and you do need to set aside your taxes. And I think when you have all those pieces set up, then you can have guilt free spending because you're paying yourself.   Plus, you know what your true profit is. You've saved for taxes, you've saved for a rainy day, like Kristy was saying. We can put buckets into place to pay down more debt. You can put buckets in place for emergencies in your practice. You can put buckets in place for ⁓ vacations. I have a doctor I was just talking to on Alaska cruise and I was like, how's that bucket working out for you? And he's like, I love it, Kiera, you set it up for me. And I know how much I can spend on vacations. I know how much of my paycheck goes into that portion. He also used to spend an absurd amount on CE. So we set a true budget of how much CE money he could use.   But that's kind of where you then as owners aren't just trying to waffle through this and actually can figure out those profit points. And I do think, Kristy, like as much as we've belabored this so much at the beginning of this podcast, I feel this foundational piece is what makes owners crazy because they don't know the rules of the game. So they start spending all the money. Then you get this huge tax bill. Then you feel mad. Then you feel like you have no money when it's like, no, you did have money. just we accidentally spent it. So now we got to make up for it later because we didn't put these rules of the game into play.   Kristy, you might have a simpler way to do that. What are your thoughts around that?   DAT Kristy (12:49) No, I agree with you 100%. Otherwise, what I find is, you know, business owners, doctors, they just come up with this arbitrary number that they want to hit. But again, just because we're producing something doesn't mean we're profitable. And so they go together, but we have to understand the difference.   The Dental A Team (13:12) I agree. And I love that you said that because production feeds the ego and profit feeds the family. And so it does not matter what you're producing. And I agree with Kristy. It's like, I want to produce a hundred grand. I want to produce 200 grand. Well, high five. Let's help you do that. But on the flip side, let's make sure your expenses are there. And there's another practice I'm thinking of right now where they're like, we have no money. And I'm like, all right, if we have no money, truly it's let's do the checklist. Number one. Like, do you see me even scratch my head? I'm like, if you're not watching the video,   Just know when I hear people say, don't have money. I'm like, all right, it's either a production issue or a spending issue. It's one of the two. So just know those are the only two levers for when you're saying, I don't have money. It's either actually there's a third. There's technically a third. And that is a collection issue too, because we're either not producing enough. And if we are producing enough, we might not be collecting enough. And if we're doing both of those two things, then it's a spending issue. So let's break it down to this office autopsy. Kristy, let's go for a practice that is producing enough.   they don't have money, how did you fix or how did you find out that this practice had a collections issue?   DAT Kristy (14:14) Yeah, well number one we would look at.   How much was their net production and how much are they currently collecting? My minimum benchmark is always to be at 98 % or higher. Obviously, if we can get reservation fees to pre-collect on things, we may see that up a little bit higher. But if they're not at that 98%, what can we do to get them there? What's getting in the way? Is it patient? Is it insurance? Are we not submitting clean claims and getting them back in a timely fashion?   The Dental A Team (14:26) Agreed.   DAT Kristy (14:47) ⁓ But definitely that would be the first place to look.   The Dental A Team (14:51) Yeah. And so Kristy just said the benchmark. If you're not at 98 % collections, then there's a problem. Second piece is look at your AR and if you have more than one month's worth of production in your AR, we also know it's a collection problem. So when we diagnose on this practice, I remember we talked to a doctor and they're like, Kiera, I have no money. Kristy, I have no money. And I remember we're like, so actually you do have money. Believe it or not, the money is there. It's just sitting in uncollected amounts. So Kristy, you even went with another office and like they didn't have money and you just straight up called.   You like went with the office manager and you guys just picked up the phone and started calling on balances to get the money. And I really want doctors to know, and Kristy, I think this is the infuriating part as a consultant where I'm like, no, like you're producing well, you just have to collect the money that you're producing and don't like, don't even feel bad about it. So what do you do for teams that don't want to collect, that have these big ARs? Like what are a few simple steps? Like if that's my practice, I'm-   Hi, Kristy. I'm the doctor today. My team, this does not want to collect money and I feel like I can't pay any bills. What do you do in that scenario as a consultant, Kristy?   DAT Kristy (15:53) Yeah, well, I think we have to dig deeper into their own, like the team members own biases and what's getting in the way and get them comfortable to realize that we're not doing good by our practice and or patients if we're not collecting those balances. So, you know, really seeing what's the roadblock and let's work through it to overcome it because people deserve the care. Patients deserve to be healthy and   And part of that is also paying for the treatment, right? So just digging deeper, figure out what's getting in the way and helping them to overcome, create some verbiage for them to feel confident in being able to collect.   The Dental A Team (16:39) Yeah. And Kristy, I think you do an amazing job as a consultant. think this is where I love being consultants is like, you will actually help them sometimes call on accounts and help them see how easy it is. And ⁓ I also think when we're looking at AR, let's get our best bang for our buck. like, let's sort it to biggest balances and let's call on those first. Like, let's figure out different pieces. And like you said, there might be a myriad of reasons why your team members don't want to collect. don't think typically it's due to the fact that they don't want to collect. I think they're just scared. There's fear.   They're afraid of a patient being mad. They're afraid of not being able to explain the balance on the account. They might not understand why insurance is denying claims. Billing is a whole black hole, just so doctors understand, like there are a lot of nuances there. But I think on that side, if you are producing, like I remember this practice, they are producing like 150 to 200. And I was like, what do mean you don't have money? And we looked at the P &L and we're like, no, according to your P &L, you have money here. And we just realized it was a lack of collection process.   We implemented that Kristy, you helped this practice. They implement, they started collecting and now the doctor's like, wow, like two months later, I feel like I'm like happy as a clown because they literally have money now, but the money was there all along. And that's really like, I think a myth to dispel on this office autopsy is a lot of times the money is actually there. We're just not collecting. We don't have the correct processes in play to do correct insurance verification, to have better estimates, to collect in practice, to then have better ways that we are posting payments.   We don't have a process for how we're calling patients and insurance. And if you don't have that whole process dialed in, that can actually get really daunting for a practice. But Kristy, let's flip sides to the other dark side of this coin where they might not be producing enough. So like we said, it's either a production process, a collection process or a spending process. What do we do on the dark side where they're not producing enough? Like that's scary to me. So what do you do on that? I think there's like two zones here.   DAT Kristy (18:33) Yeah, absolutely. Well.   Number one, once we figure out that benchmark, typically, Kiera, we go and look at how much are they diagnosing, right? If we're looking to hit 100,000, we typically need to be diagnosing minimum three times that number ⁓ if we want to hit it, right? So where are we with diagnostics? And then where are we in case acceptance? how, if we are diagnosing that much, how much are we   actually getting patients to say yes to that treatment if you will.   The Dental A Team (19:09) Mm-hmm. And I think, Kristy, great point on that because it's twofold on this dark side of the coin of if we're not producing, are we diagnosing enough? And if we're diagnosing enough, are we closing enough? And those are two different people actually in this scenario. So doctors, have to diagnose. And if you're a doctor who's scared of diagnosing a couple tools, it's OK. I always tell doctors, it's your moral obligation to diagnose. As a patient, if you were to go in and there was someone who saw   Let's say you did a scan, I've had multiple MRI scans on my brain. Do you know how mad I would be at a doctor if they chose, because like they don't know if I can afford it, if I don't wanna hear the bad news or like whatever it is, they choose not to tell me what's on my brain or a broken bone or if I've got something in my blood work, I would be livid. And yet doctors, you're diagnosing, you're taking x-rays and if you're not telling these patients what's going on, ⁓ that's your moral obligation to do that. So if you're nervous about it, that's okay, I'm not here to tell you.   there's anything wrong with it. I just want to remind you that this is your moral obligation as a healthcare provider. So there's Pearl or Overjet of an AI solution that might be a solution for you ⁓ or just diagnosing one more thing than you normally would. If you're used to like watching, ⁓ that's okay. Maybe like just watch 75 % of it, but diagnose one of those things that you would normally watch and just notice patients don't get mad. They don't get angry. ⁓ Remember when you do get that frustration, it's just due to their expectations not being met.   So if you can even help them co-diagnose with you. So having your hygienist call out their perio numbers and let the patient know before they do it, like, hey, we're looking for the health of your gums, anything above a four, that's something that we need to watch if there's bleeding. And I'm gonna show you, so listen with me, you're gonna hear, ⁓ and then you'll be able to hear. Well, now that patient's listening actively with you of, wow, I heard like seven fours, or I heard like a six in there, now you don't have to try and teach them and say like, you've got perio.   They actually heard it and they co-diagnosed with you. You can show them x-rays of here's a healthy tooth. This is what a healthy tooth should look like. Now look at this tooth and what do you see? You guys, if there's decay in there, even the untrained eye usually can see that pretty big chunk of decay taken out of there or use intraoral photos to where that patient's co-diagnosing with you to gain the trust. And that actually makes it easier for you doctors, because then you're not teaching them. Or if you're like really nervous about it.   AI teaches them. Like it literally just puts the puts it up on there and you don't even have to hardly do anything other than just presenting it to them and educating them. So something simple there. And then if your team's not closing cases, amazing simple things like an NDT our handoff. next visit date, time, recare that can help tremendously. ⁓ having your team members track their treatment plans, having a consultant help them. Like we literally help listen to treatment plans, guide and give coaching on different ways that they can do it. So there's two ways if you're not diagnosing or producing enough.   that we can easily do that. And the next one would be a block schedule. Kristy, any other thoughts on that? Because I'm sure you've got pieces working with so many team members too.   DAT Kristy (22:06) Yeah, listening to you talk about the case acceptance, it's just hitting me that sometimes I think our fear is in telling them, but really if we take a step back and just include them in the process and figure out what are their long-term goals for their mouth and being able to speak to them in a relational way that...   The Dental A Team (22:23) Thank   DAT Kristy (22:29) really is flipping it to what is their goals and getting them what they want. I think that takes the pressure off of us telling the patient, right? And so, ⁓ truly, I think when we master this, it's a beautiful thing and you get patients to stick for very long time because they feel heard, right? And they still are in control of their care. So.   The Dental A Team (22:53) Totally, I agree with you, Kristy, and I love that you talked about like, they're part of the solution with you. And I agree, like, I can't as a treatment coordinator want this more than they do. It really has to be something that they're a part of. ⁓ And also just helping your team see, similar to doctors, when we're watching so many things, team members can accidentally be saying one or two words that's guiding a patient the wrong direction. We might be highlighting insurance more than we're highlighting total treatment. We might be putting emphasis on like your max on insurance or   Like we could just start with one thing because we're afraid of presenting total dollar amounts. All of those things are normal. That's like very normal. Your team's not struggling, team members listening. You're not doing anything wrong. Just highlighting that there are different ways that you can present it. And I call it like the sequence. So think about when you're back in high school and you had your locker combination. If your combination code was 321, you could put in the number 213 and your lock wouldn't open. You could also do 123 and it wouldn't open. You could also do 32...   three and it won't open. You can have the exact same numbers and just do them in the wrong combination and it won't open versus if we have the right pieces in the right combination, we actually get more case acceptance. So just realizing like what are my tools that I'm using? Am I putting them in the right sequence? Am I using the tools like insurance is a tool? It's a coupon. So let's maximize that, but it's not going to guide my treatment. Let's maximize getting full case acceptance. Let's maximize like Kristy said, knowing their ultimate goals and tying my treatment back to those ultimate goals.   just using the tools in the right sequence can also help with that case acceptance. Now, if you are a practice that's not diagnosing enough, I think that this becomes like a little bit of an ego check and I'm sorry to be the ego check day today, but it might be something where if we're not diagnosing enough and we are collecting and we're not producing enough, it might be time for us to look to see about cutting costs. And this is something where I don't love to have this conversation. However, bottom line is the practice has to thrive.   Otherwise we all will fail. And doctors like you won't be able to help your team. You won't be able to help patients. And ultimately your livelihood is on the line too. Nobody is happy in this scenario. So when an office is like, don't have money, great. We've looked to see, you diagnosing? We've looked to see, are we collecting? We've looked to see our case acceptance. Like let's check all the boxes. Flip side is what are we spending money on? Immediately I'm gonna go to anything that you no longer need in the practice. So I know we might have been in the glory days.   doing all these ITero scans. Well, guess what? Glory days are gone. We're no longer there. And I hate to be Debbie Downer, but the reality is we need to sell that. We need to get out of that contract. Anything we are not using in the practice, we need to cut those debts off of us. And this is just a yucky moment. And I'm sorry, but you've got to do it. And as a business owner, this is your job as a CEO is to watch the profitability of the business. Like you have to, and you have to make those hard cuts. And I will tell you, you do it one time. You're a lot more cautious on things you'll purchase in the future.   So we start cutting costs of things that are not paying for themselves. So if we've got extra equipment in the practice, if we've got other things that we can sell. Also, team members, we might have bulked. I've done this as a CEO, so I'm just gonna tell you, like, it was a really, really, really bad day when I realized I over-bulked anticipating something to happen in the practice, and I actually had to scale back and cut. That does not feel good, and it's something that we want to avoid. However, if we have ultimate, like, more team members than are necessary, or we could outsource to things,   I'm not here to say, determinate team members. Like we said, like we went through all the different scenarios, everything we possibly could do. But the reality is you may have bulked too much in a practice and you need to scale back and cut. And that's just a zone where you walk the walk of shame and you commit you're never going to do it again. But ultimately you have to get yourself to a profitable zone. You've got to look at your own spending. A doctor was like really struggling on spending and they had multiple credit cards. Consolidate those credit cards down to where you only have one. We pay it off every single time.   We look to see what other things we like work out deals with the lab or different people. ⁓ But you've got to be realistic. You might have to get a line of credit to get yourself out of it. You might have to take equity out of your home or your practice. Those are things I hate doing, but I also feel sometimes the pain of discipline is better than the pain of regret. And I would rather go through the pain of discipline and learning to like cut my costs and watch my costs and not hire. Like I might extra hire.   a hygienist. I might extra hire a treatment coordinator. Those are two players on my team that will actually generate revenue for me. And not to say assistants don't because assistants can, but I could get by with a Mr. Thurshy. Now, dentists, I know I'm going to get a lot of flak for that. The reality is you can do that for a short amount of time. And I just want to highlight like it's inconvenient, but it's also inconvenient not to have money to pay your bills. So like choose our heart on this. But this is a zone where like I heard a doctor and they were struggling and they   They spent like 10 grand on something unnecessary. And I'm like, that's a spending issue. That's a you issue. That's not a practice issue. And it's not a diagnosis issue. If you cannot produce what you have for your costs, it's like the person has to accept the fact that they bought too big of a house. Like you've got to scale down. You got to size down. And as much as that's an ego blow, that's also smart business ownership. So Kristy, that's my like soapbox. So doctors, like we said, it's first, let's make sure we're producing. Like, let's figure out our amount. have to, then we're going to check our production. Then we're going to check our collections.   Then we're going to check our diagnosis. We're going to check our case acceptance. We're going to check our block scheduling. Then we're going to go into any unnecessary costs that are on our PNL. ⁓ Look to see, there anything we could do to reduce costs? And then it's going to be, we've got to cut. And like, you've got to make that decision before you go under. ⁓ You owe that to your patients. You owe that to yourself and you owe that to your team. And it's a sad, crummy day, but it's part of business. Kristy, what are your thoughts?   DAT Kristy (28:27) Yeah, I think you nailed it. The only area we didn't uncover was you usually do have some unscheduled treatment that you may be able to tap into. And I would definitely explore that resource. But you nailed it, Kiera. I mean, you hit all of the boxes for sure.   The Dental A Team (28:46) So those are kind of like looking at a practice that says, I don't have cash. These are some of the ways to diagnose that we do within practices. And notice the very last thing that we went to was cutting. That's not our mission. That's not our process. And we're never going to tell you to cut somebody. That's going to be ultimately your decision. We're just going to remind you that as a CEO, that's part of your job. And I remember going through COVID, had a coach and she said, Kiera, you've got to have a list. You've got to have a list in your mind of like when things get tight, if they get there.   What are you going to do to make sure your business thrives and survives? And that has stuck with me when I realized like, that's why I'm paid a CEO salary. That's why I'm paid to make these hard decisions. That's why I ⁓ signed up to be a business owner. Like that's the hard side of success. Success has two parts of that coin too. There's the light side and the amazing side. And then there's the dark side that a lot of people don't talk about. So if you're looking at your practice and you're saying, I don't have cash, go through the checklist, Kristy and I just gave you. ⁓   And sometimes it does help to have a buddy in it with you, a consultant, somebody who's in it with you. Like Kristy, I think about the night that you picked up the phone with that office manager and you guys started calling, you called on accounts with them. I think sometimes not feeling alone in the process. think somebody pushing your team, because you're like, I don't know how to say this to my team. ⁓ Someone who can help guide them, someone who can help look at your diagnosis and help you diagnose maybe one more thing, ⁓ really can be an asset. And I call Kristy our money bloodhound.   If I have a practice on cashflow row, I'm like, all right, Kristy, I don't what you're gonna do, but girl, go to work and go start looking. And I think having an outside set of eyes, it's not sitting in there floundering with you, but can have a cool, calm, collected head, sometimes can be the most beneficial. So if you're struggling, reach out, we're here to help you. And it comes with no judgment. Kristy, don't think I've ever once heard you judge a single practice. You come with love, you come with open arms, and you come with solutions quickly.   to make sure they get there. So Kristy, any last thoughts you have for these practices who might be struggling, who are hearing this office autopsy being like, my gosh, that's been me, or my gosh, I feel like I'm headed that way. Any other thoughts you might have for them?   DAT Kristy (30:43) ⁓ Just again that you're not in it alone and having us to help ⁓ guide mentor and just make sure you have you know daily weekly monthly Systems in place and balance, you know a checklist balance. We got ya we can help   The Dental A Team (31:00) We do. do. Well, Kristy,   thanks for being on the office autopsy with me. Thanks for just loving our clients so much and helping them. I think that client who two years after you started helping say to us, I like have never been this free or like, my gosh, like this is what ownership should feel like. I think those are the wins that we live for as consultants of hearing you thrive, hearing your successes, hearing you have your dream life and not being so stressed, ⁓ even in possible situations that are stressful. So Kristy, thanks for being that consultant with us.   DAT Kristy (31:30) It's a pleasure. Thanks.   The Dental A Team (31:32) Of course, for all of you listening, don't be on cashflow row. Don't be struggling about these things. If you are part of any of the scenario, if you're like, my gosh, any of those things resonated, reach out. Hello@TheDentalATeam.com. Go to our website, click on TheDentalATeam.com book a call. Like truly it's a no judgment, just clarity, just momentum. Even if we can't help you, we've got resources. Even if you're not quite the right fit, that's okay. Like we will be there to support you. ⁓ but I think it takes courage to book the call. It takes courage to admit you need help. but there's so much freedom.   to know that you're not alone, that you're not having to do this alone and that there's somebody who truly can help you get out of the scenario and that's been there, done that and done it successfully many times. So reach out and as always, thanks for listening. I'll catch you next time on The Dental A Team Podcast.

Markets opened mixed to start Tuesday's trading session. Kevin Green urges investors to keep consumer confidence top of mind as it can serve as an indicator to price action ahead. On treasuries, he points to consolidation in the 10-year yield as a normal signal that starts a rate cutting cycle for the Fed. However, Kevin adds that volatility remains unseasonably low, which can ramp higher with potential market moving events on the calendar ahead. Technicals for defense stocks also show potential for a breakout in the weeks ahead.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Managing feedback doesn't have to be messy or overwhelming. In this episode, Farra Trompeter, co-director, is joined by J Kelley, senior account manager, to walk through thoughtful steps to synthesize and clarify feedback—helping teams collaborate more efficiently, reduce confusion, and move forward with confidence.

In this episode, Christian and Kevin revisit the hot topic of the government's proposed inheritance tax (IHT) changes affecting pensions from 2027. Following a surge in listener interest, they clarify what's changed, who's now responsible, and what practical steps listeners must take to protect their wealth and family.Key Discussion Points:Background:The government plans to tax pensions on death, a major shift from past policy.The responsibility for reporting and paying this tax will now fall on personal representatives (executors), not financial services companies.Why This Matters:Most executors are chosen for trust, not financial knowledge.Executors are now legally liable for getting it right – mistakes could mean personal financial penalties.Practical Risks:Many people don't know where all their pensions are or which are taxable.Appointing a professional executor (like a bank) could cost families a significant portion of their inheritance, sometimes unnecessarily.Action Steps:Review your will and your choice of executors.Ensure your executor is financially savvy or has access to professional advice.Consolidate pensions where sensible for simplicity and clarity.Avoid defaulting to professional institutions as executors without understanding the costs.WealthBuilders' Support:WealthBuilders is creating two practical guides:For those making a will (how to choose an executor)For executors (what their new responsibilities entail)Guides will be available soon at wealthbuilders.co.uk/IHT and wealthbuilders.co.uk/executorFinal Advice:Awareness is key: know your assets, your will, and your executor's readiness.Take action now—don't wait until it's too late.Call to Action:Sign up for the forthcoming guides at wealthbuilders.co.uk/IHTReview your will and executor choicesShare this episode with anyone who has a pension and a familyContact WealthBuilders with questions or to book a call via the websiteResources Mentioned:Download our free guide on inheritance tax changes for pensions: wealthbuilders.co.uk/IHT Be the first to access our upcoming Guide for Executors — register your interest here: wealthbuilders.co.uk/executorCatch up on WealthTalks episode on IHT changes: How to Protect Your Pension from Inheritance Tax Changes Coming in 2027Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

In this episode of CPM Customer Success, host Andy Smetana welcomes back Dave Collins, Director of Strategic Alliances at OneStream Software, to tackle a question every finance leader is asking:

With a new Department of Agriculture report showing a nationwide cattle shortage—alongside a corresponding spike in the price of ground beef—let's examine the monopoly that's developed in the beef processing sector and how it's affecting American ranchers.

Michael Purves sees weakening of fundamentals and an unclear tariff picture leading to sideways trading action throughout the summer months. He urges investors to watch for "yellow light" with the SPX and NDX at record highs, which in the past gave way to market sell-offs. That said, he sees the Mag 7, minus Tesla (TSLA), continuing to lead markets higher once consolidation ends.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

AngloGold Ashanti entered into a definitive agreement to acquire all issued and outstanding shares of Augusta Gold at a price of C$1.70 per share in cash. Magna Mining publish guidance for the second half of the year. New drill results to report from Newcore Gold, Radisson Mining and Denison Mining. This episode of Mining Stock Daily is brought to you by... Revival Gold is one of the largest pure gold mine developer operating in the United States. The Company is advancing the Mercur Gold Project in Utah and mine permitting preparations and ongoing exploration at the Beartrack-Arnett Gold Project located in Idaho. Revival Gold is listed on the TSX Venture Exchange under the ticker symbol “RVG” and trades on the OTCQX Market under the ticker symbol “RVLGF”. Learn more about the company at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠revival-dash-gold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Vizsla Silver is focused on becoming one of the world's largest single-asset silver producers through the exploration and development of the 100% owned Panuco-Copala silver-gold district in Sinaloa, Mexico. The company consolidated this historic district in 2019 and has now completed over 325,000 meters of drilling. The company has the world's largest, undeveloped high-grade silver resource. Learn more at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠https://vizslasilvercorp.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Equinox has recently completed the business combination with Calibre Mining to create an Americas-focused diversified gold producer with a portfolio of mines in five countries, anchored by two high-profile, long-life Canadian gold mines, Greenstone and Valentine. Learn more about the business and its operations at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠equinoxgold.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Integra is a growing precious metals producer in the Great Basin of the Western United States. Integra is focused on demonstrating profitability and operational excellence at its principal operating asset, the Florida Canyon Mine, located in Nevada. In addition, Integra is committed to advancing its flagship development-stage heap leach projects: the past producing DeLamar Project located in southwestern Idaho, and the Nevada North Project located in western Nevada. Learn more about the business and their high industry standards over at integraresources.com

Phil Orlando, Chief Equity Market Strategist, Federated Hermes discusses why investors are better placed to look for a pull back before entering into new positions, as storm clouds on the horizon present the potential to induce some modest profit-taking among investors. Produced/Presented: Ryan HuangSee omnystudio.com/listener for privacy information.

In this episode of Don't Go Broke Trying, Reni sits down with writer and personal finance expert, Shannon Terrell from Nerdwallet Canada to break down the ins and outs of debt consolidation and how to do it right. Whether you're drowning in multiple credit card bills or juggling personal loans, this episode walks you through smart ways to simplify your repayments without falling into more financial traps. What you'll learn in this episode:What debt consolidation really means How to tell if debt consolidation is the right option for youThe biggest myths and mistakes people make when consolidating their debtShannon's proven strategies for paying off debt without going brokeSteps to take before and after consolidating to stay financially on trackWhether you're feeling overwhelmed by multiple debts, or just exploring your options, this episode will help you make smart, confident decisions so you can take control of your finances without going broke.Resources Mentioned: Support on how to get out of debt: https://creditcounsellingcanada.ca/Learn more about NerdWallet: www.nerdwallet.com Read Nerd Wallet's Canadian Consumer Credit Report: https://www.nerdwallet.com/ca/p/article/credit-cards/2025-canadian-consumer-credit-card-reportWatch on Youtube: https://youtu.be/9gqqRbORhZ4Connect With Shannon:LinkedIn: https://www.linkedin.com/in/shannon-terrell/Author Page: https://www.nerdwallet.com/ca/author/shannon-terrellJoin Don't Go Broke Collective: ⁠https://www.skool.com/dont-go-broke-collective/about⁠Connect With Us!Follow the podcast on Instagram: ⁠⁠⁠https://instagram.com/dontgobroketrying Follow Reni on Instagram: ⁠⁠⁠https://www.instagram.com/xoreni Visit our website: ⁠⁠⁠⁠renitheresource.com/category/podcast⁠⁠⁠⁠Follow on Twitter: ⁠⁠⁠⁠twitter.com/dgbtpod⁠⁠⁠⁠Subscribe to Reni's YouTube: https://youtube.com/xoreniDISCLAIMER: The views and opinions shared on this channel are for informational and educational purposes only. This is NOT financial advice. Always do your own research and due diligence before investing.

While AI may be the catalyst behind the recent wave of data company M&A, the market was ripe for consolidation. Learn more about your ad choices. Visit podcastchoices.com/adchoices

How are memories represented in the brain and how can we model this?Professor Anna Schapiro from University of Pennsylvania as we discuss her work on computational modelling of sleep and memory. In this episode, we discuss several kinds of Neural Network models as well as diving into the history of Jay McClleland's Complementary Learning Systems theory and Anna's recent work on combining neural network modeling with EEG. Find out more about Anna Schapiro and her research group here.Links to articles discussed in this episode:Why there are Complementary Learning Systems in the hippocampus and neocortex[Replace with correct Norman 2005 paper]Self-recovery of memory via generative replayA unifying account of reply as context-driven memory reactivationHost: Penny LewisEditor: Sophie SmithCheck out our NaPS website to find out more about our team, our research and events. This recording is the property of the Sleep Science Podcast and not for resale.

Joyce talks about Andrew Cuomo losing the Mayoral Primary and his brother declaring "The Democrat Party is Dead," prosecutors have decided to consolidate the charges against P. Diddy, Pete Hegseth defends President Trump to the media and gives more details on the bombing of nuclear sites in Iran, and the Supreme Court rules against the lower courts in Maryland to give more power back to President Trump on deportations. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Every empire follows the same script, but this isn't the version you're used to. It's not about overextension, debt, or even manipulating the money - those are all symptoms. The real disease? Consolidate power, crush liberty, and the rest is history. And now, it's our turn. This episode is a warning for the ages about the story of empires. Because liberty must die for empires to thrive. The post Liberty OR Empire: You Can't Have Both first appeared on Tenth Amendment Center.

Retirement Isn't Just for Chads & KarensLet's be honest—when most folks picture retirement, it's usually a straight couple named Chad and Karen sipping Chardonnay in Scottsdale. Cute for them. But what about you—still fabulous at 67, maybe rocking a part-time gig at a queer-owned café because your bank account missed the memo that you were done working?On this week's Queer Money, we're ditching the tired, hetero retirement fantasy and giving you the real tea on how queer folks can retire fabulously (and actually afford it). We're serving up a 5-step no-BS framework to take you from “fabulously stressed” to “financially fierce.”Whether you're figuring out your retirement number, learning how to pay your future self first, or just trying to make peace with the word “budget,” we've got you. Because your golden years shouldn't be basic—or broke.Retirement isn't one-size-fits-all, especially for our community. So let's stop trying to live someone else's dream and start planning for yours. The goal? A future that fits you like your favorite pair of perfectly broken-in jeans. Or leather pants. We don't judge.

In today's episode, I'm diving into a topic that's top-of-mind for anyone who's switched jobs: what should you do with your old 401(k) plan? I discuss five key reasons why moving them into an IRA could simplify your financial life, from consolidating accounts for better control to gaining access to a broader range of investment options, reducing fees, optimizing Roth and after-tax funds, and making it easier to work with a financial advisor.  Whether you're planning your next career step or just want to make your retirement savings work harder for you, this episode is packed with practical advice to guide your decision. Stick around until the end, and don't forget to tune in next week when I cover situations where rolling over your 401(k) might not be the best choice! You will want to hear this episode if you are interested in... [00:00] Vested retirement funds offer four options: keep them in the plan, or withdraw and pay taxes [04:46] Rolling over a 401(k) to an IRA offers more control and access to your retirement funds, preventing forgotten accounts as you change jobs [06:41] Consolidate investments for simplicity and control; update records if keeping old retirement accounts [12:05] Convert Roth contributions to a Roth IRA to start the five-year period and ensure future gains grow tax-free, especially for after-tax funds in a 401(k) without in-plan Roth conversions [13:13] Rollovers to an IRA can facilitate Roth conversions and allow financial advisors to manage retirement accounts. Consolidate Old 401ks for a Smoother Future When you change jobs, it's important not to leave your old retirement accounts behind. For many Americans, the primary vehicle for saving for retirement is their employer-sponsored 401(k) plan. But what should you do with that 401(k) once you've moved on? Rolling it into an Individual Retirement Account (IRA) may be the smart move, offering control, flexibility, potential cost savings, and tax advantages. Let's walk through five compelling reasons why a 401(k) rollover into an IRA might make sense for you. 1. Greater Control and Account Consolidation One of the biggest headaches of changing jobs multiple times is having various retirement accounts scattered across different institutions. Not only is it difficult to keep track of these accounts, but there's the risk that you might forget about them entirely. By rolling old 401(k)s into a single IRA, you consolidate your investments, making it easier to manage and monitor your retirement savings. With all your funds in one place, you'll have more control over your asset allocation and will be better positioned to implement a cohesive investment strategy. Additionally, consolidating accounts reduces the administrative burden of managing multiple logins and statements. 2. Expanded Investment Choices and Flexibility Most employer-sponsored 401(k) plans offer a fairly limited menu of investment options, typically ranging from a dozen to twenty funds. These may or may not align with your preferred asset allocation strategy, and some plans are more limited than others. By rolling over your 401(k) into an IRA at a major discount broker like Schwab, Fidelity, or Vanguard, you unlock a much broader universe of investment possibilities, mutual funds, exchange-traded funds (ETFs), stocks, bonds, CDs, and more. This flexibility lets you fine-tune your portfolio, properly diversify, and better tailor your investments to your risk profile and retirement timeline. 3. Potential for Lower Investment Costs 401(k) plans, particularly those from smaller employers, often feature higher administrative and fund expenses, sometimes reaching 1% or more in annual fees. These extra costs chip away at your investment returns over time. With an IRA, especially when investing in low-cost ETFs or mutual funds, you can often significantly reduce the expense ratios you pay. Over decades, even a modest reduction in annual fees can translate into thousands more in retirement savings due to the power of compounding. 4. Managing Roth and After-Tax Contributions Many 401(k) plans now offer a designated Roth component as well as avenues for after-tax contributions. When you roll over your account, this is a valuable opportunity to ensure your Roth and after-tax money are treated with optimal tax efficiency. For example, rolling Roth 401(k) funds into a Roth IRA starts the five-year clock for tax-free withdrawals on earnings, which is critical for planning your retirement withdrawals. Additionally, an IRA rollover can be structured to split after-tax contributions into a Roth IRA, giving those funds tax-free growth potential rather than the more limited advantages offered inside the 401(k). 5. Access to Professional Management If you want professional help managing your retirement investments and financial planning, rolling your assets into an IRA is almost always a prerequisite. Advisors generally cannot manage assets held within a former employer's 401(k) platform, but with funds consolidated in an IRA at a major custodian, they can actively manage your investments, make ongoing adjustments, and assist with tax planning and distributions as you transition into retirement. Assess Your Situation Before Moving While rolling over your old 401(k) to an IRA offers considerable advantages, it's not always the perfect solution for everyone. Each situation is unique, and certain protections or features (such as early withdrawal options or creditor protections) may be stronger inside a 401(k) for some individuals. Be sure to review your specific circumstances carefully, ideally, with a trusted financial advisor, before making any big moves. A well-considered rollover could make your road to retirement much smoother, giving you more control, lower costs, and better investment options along the way. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Schwab Fidelity  Vanguard Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Become more productive by protecting open blocks of timeSee omnystudio.com/listener for privacy information.

The rapid eye movement (REM) phase preserves newly acquired memories, but deeper non-REM sleep helps to adapt and update them, according to “heroic” day-long electrode recordings in rats.

Feeling stuck doesn't mean you're broken—it just means you need a new way in. Dr. David Snyder breaks down personal transformation into something simple: play, energy, and practice. Through language, movement, and daily rituals, he shows how to drop limiting beliefs and step into confidence. You don't need years of therapy—just a willingness to feel, explore, and let go of the noise in your head. It's not about fixing yourself; it's about finally showing up as who you really are.Standout Quotes:• “Seriousness is the kiss of death. You're putting too much pressure on yourself because you're thinking about the end game.” – Dr. David Snyder• “If we're not having fun, we're not doing something wrong.” – Dr. David Snyder• “Imagination connects us to heaven. Feeling connects us to the earth.” – Dr. David Snyder• “There's no such thing as a random feeling in our bodies. If the charge is still there, the universe is going to make damn sure we deal with it at some point.” – Dr. David Snyder• “Experiences are common. The stories are what make them unique to us.” – Dr. David SnyderKey Takeaways:• Practice language patterns slowly and playfully to build neural flexibility, trying word association drills that push your communication skills.• Explore energy practices like Pulling Down the Heavens, doing 36 repetitions of each step to build internal power and awareness.• Examine your current life challenges as potential growth opportunities, asking "What is this experience trying to teach me?"• Consolidate your daily energy work by circulating through the microcosmic orbit and grounding in the Lower Dantian.• Prioritize enjoyment in your personal development practices - if you're not having fun, you're likely doing something wrong.Episode Timeline:[00:25] What killer influence training really feels like[04:09] The drill that scrambles your brain for good[06:52] Why your mind blanks during real conversations[10:40] Qigong moves that supercharge your energy fast[18:43] Clearing stuck energy without burning out[24:01] Are your struggles a sign or just old baggage?[29:28] How to work with David Snyder in real timeTo learn more about Dr. David Snyder and everything about NLP, visit:Website: https://www.nlppower.com/YouTube: https://www.youtube.com/@DavidSnyderNLPInstagram: https://www.instagram.com/davidsnydernlp

Three Douglas County elementary schools have been voted on to be closed and consolidated into other schools in the district.

Spring is finally here! With renewed energy and brighter, warmer days, you might be motivated to do spring cleaning. Of course, this time of year is a great time to organize, refresh, and clean around your home, but this season, take some time to do the same with your finances.   Links: Learn more about checking your credit score with the Better Checking Account app Set up automatic savings goals with the Goal Builder tool in online and mobile banking Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.    This season is an excellent time to do a lifestyle refresh, especially regarding your finances. For those feeling motivated to tackle a new project, channel that seasonal energy to review and reorganize your current financial situation for a few ways to save yourself some dough. Here are five ideas to help you spring-clean your finances this season.   Review your budget. Take some time to look closely at your expenses and income. Have you been spending more than anticipated? Do you need to tweak a few budget items to adjust for recent economic changes? Look through where you're spending money and re-allocate your budget if necessary. This responsible action puts you in charge of your financial decisions.   Check your credit report. Get a copy of your credit report from all bureaus. At the very least, get one copy, even from one bureau. Look over it. Check your score, lines of credit, and any changes or updates made over the last quarter. Reviewing your report is a great way to determine any changes you need to make to improve your score and to see if any past changes have impacted it. For those with a Triangle Better Checking account, you can access your credit score and report through the dedicated Better Checking app. If you haven't registered yet, check the link in the show notes on how to get started.   Automate savings. If you haven't been regularly transferring money into a savings account, take some time to set up automatic savings. It's easier than you think. Use tools like Triangle's Goal Builder within online and mobile banking to set goals that make building that savings account much easier. The tool automates saving a portion of income into a set category over time so you can set it and forget about it, giving you reassurance and confidence in your financial management. Consolidate debt. Look into all the existing rates on your car, home, credit cards, and more. If you think those rates you're currently paying are higher than you'd like, do some shopping around for lower rates. If you are in a good position to refinance or do some debt consolidation, take the opportunity to restructure your debts and free up some money.  Review subscriptions and memberships. If you're juggling a lot of subscriptions, take control. Note how much you're paying and whether or not you're using them. If you're paying for some that you're not using, now's a good time to cancel or downgrade your plan to a free tier if available.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day everyone! 

Consolidate little to-dos so they don't ruin everything elseSee omnystudio.com/listener for privacy information.

This Day in Maine for Friday, April 18th, 2025.

Send us a textWorking with a CPA effectively requires understanding both what to do and what to avoid to create a productive professional relationship that benefits your business.• Be organized when providing documents rather than dropping off unsorted boxes• Avoid piece-mailing documents and instead provide complete packages when ready• Consolidate questions and communications to respect your CPA's time• Ask questions to understand your tax situation and learn from your CPA• Plan ahead for taxes and save a portion of profits throughout the year• Set clear expectations about which specific services you need from your CPA• Respect their time as a professional service provider who bills for consultations• Don't wait until the last minute to submit documents during busy season• Never ignore tax deadlines or expect your CPA to care more about your business than you do• Understand that CPAs cannot eliminate all taxes, only help minimize them legally• Keep business and personal finances completely separate• Budget for CPA fees as a regular business expense• Don't assume your CPA handles everything without specific agreements• Feel comfortable switching CPAs if the relationship isn't working wellIf you've found this episode helpful, please leave us a review!!!Create a STAN Store - Click here to try it out!Here's where you can find us! Follow along on Instagram for lots of free content for business owners daily!Shop our business guides!Our Instagram PageOur family page

Consolidate and Control Ai VCAST COVERS: Real FED ID (morph into ID2020) to travel? New administration same globalist playbook. Is Trump's role to kill the dollar? Symbolism: Bring the dire wolf back with DNA manipulation and Trump is considering taking the wolf off the endangered species list. World War 3 talk. Is it all theater to create chaos and bring in the NWO? Meta helping China build their Ai according to a whistle blower. Why are we finding out about this? Does US FED RES leaders run China's FED RES BANK? Oracle being considered to buy TikTok to protect Americans yet is already working with the CCP sharing data against their citizens. Remember Trump's Ai Stargate with Oracle. Proposed 1 Trillion Dollar Military Budget. Remember the Deagel report. US troops in Panama. Trump said we have secret weapons. Are all the leaders working on bio digital convergence under the guise of health and sustainability? It all smells like a movie script to burn it down. Are our leaders compromised by Isre@l's honey traps? More..

In this engaging simple step on the Uncommon Wealth Podcast, host Phillip Ramsey delves into the often-overlooked mantra of "set it and forget it" in financial advising. He challenges this traditional mindset and offers practical advice on how to take a more hands-on approach to personal finance management. Phillip's insights aim to equip listeners with the tools needed to better manage their 401ks and other investment accounts, emphasizing the importance of maintaining a clear view of one's financial situation.Phillip shares the benefits of consolidating old 401k accounts and how rolling these over can simplify financial management and potentially enhance growth. Throughout the episode, listeners are encouraged to reevaluate their financial strategies, focusing on the impact of dollar cost averaging and the significance of consistent contributions. Phillip's expertise shines as he breaks down complex financial concepts into easily digestible advice, underscoring the necessity of staying engaged with one's finances.Key Takeaways: Avoid the "set it and forget it" approach; always stay informed about your financial status. Consolidate old 401k accounts for better visibility and easier management. Rolling over 401ks can simplify the process of making contributions and tracking growth. Dollar cost averaging is a powerful strategy for consistent investment growth over time. Proactive financial management is crucial in navigating and succeeding on your financial path.Notable Quotes: "You should never forget about your money. You actually should be way more in tune to your money than I think a lot of people would like you to be." "Consolidating old IRAs or old 401ks and rolling them over helps you see exactly how much money you have." "The more that you can fund that consistently fund an account, the better chance it has to be growing." "My challenge to you is try to figure out all your old 401ks, consolidate them, and roll them over either into your own IRA or your current 4

Since returning to office, President Trump has moved quickly to reshape the federal government. His actions, which have moved to put more power under his purview, align with a belief in some conservative circles of the unitary executive: an idea that the president and the president alone controls all actions undertaken by the executive branch. This episode: White House correspondent Asma Khalid, political correspondent Susan Davis, and national justice correspondent Carrie Johnson.The podcast is produced by Bria Suggs & Kelli Wessinger and edited by Casey Morell. Our executive producer is Muthoni Muturi.Listen to every episode of the NPR Politics Podcast sponsor-free, unlock access to bonus episodes with more from the NPR Politics team, and support public media when you sign up for The NPR Politics Podcast+ at plus.npr.org/politics.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Join us for the second episode with Colonel (Retired) John Antal and Lieutenant Colonel Lisa Becker (host). COL(R) Antal is passionate about waking leaders and Soldiers up to the realities of today's battlefield. In this episode, they pick up where they left off in episode 87 with FM 3-0's imperatives. Listen in to hear the relevance of these imperatives to recent and on-going conflicts. - Designate, weight, and sustain the main effort. - Consolidate gains continuously Check out COL(R) Antal's work here: https://theconvergence.castos.com/?search=antal https://www.academia.edu/115562878/21_COMMAND_POST_MAXIMS_Mission_Command_Tactics_for_the_Employment_of_Command_Posts_in_the_Modern_Battlespace https://www.academia.edu/115562498/The_Ten_Rules_of_Masking https://www.academia.edu/42306862/Thinking_about_the_Future_Battlespace_by_John_Antal

Enjoying the Ecommerce Coffee Break Podcast? Here are a few ways to grow your business: https://ecommercecoffeebreak.com/level-up/ ---In this episode, we explore the critical yet often overlooked post-purchase customer journey. Discover how to streamline your tech stack, optimize order tracking, handle returns efficiently, and turn post-purchase touchpoints into powerful retention opportunities. Our guest, Aaron Evett from Redo, shares strategies for unifying disconnected tools, reducing support costs, and converting refunds into exchanges—helping eCommerce brands maximize customer lifetime value while enhancing the overall shopping experience. Topics discussed in this episode: Why post-purchase experience drives customer retention. How disconnected tools hurt customer experience. What unified post-purchase solutions look like. How to use tracking emails for upselling. Why returns can be retention opportunities. How to convert returns into exchanges. What return policy display strategies work best. How AI transforms e-commerce support. Why integrated tools reduce staffing needs. How optimized returns double customer lifetime value. Links & Resources Website: https://www.getredo.com/ Shopify App Store: https://apps.shopify.com/xiva LinkedIn: https://www.linkedin.com/company/redo-tech X/Twitter: https://x.com/redo_hq Get access to more free resources by visiting the show notes athttps://tinyurl.com/yn7styhj MORE RESOURCESDownload the Ecommerce Conversion Handbook for store optimization tips at https://tinyurl.com/CRO-ebook Best Apps to Grow Your eCommerce Store: https://ecommercecoffeebreak.com/best-shopify-marketing-tools-recommendations/ Become a smarter online seller in just 7 minutes Our free newsletter is your shortcut to ecommerce success. Every Tuesday and Thursday in your inbox. 100% free. Unsubscribe anytime. Sign up at https://newsletter.ecommercecoffeebreak.com Rate, Review & Follow Enjoying this episode? Help others like you by rating and reviewing my show on Apple Podcasts. Rate here: https://podcasts.apple.com/us/podcast/ecommerce-coffee-break-digital-marketing-podcast-for/id1567749422 Follow the podcast to catch all the bonus episodes I am adding. Do not miss out. Hit that follow button now!

Episode Summary:In this episode, John Fontenot explores a thought-provoking topic: the potential consolidation of Product Management (PM) and User Experience (UX) roles due to advancements in Generative AI. He examines the overlap between these two disciplines, the evolving responsibilities of PMs and UX designers, and how organizations may react to increased efficiency through AI.Key Takeaways:1. Understanding the Unique Roles of PM and UX Designer (00:25 - 02:32) PMs focus on business objectives, prioritization, roadmaps, stakeholder management, and go-to-market strategies. UX designers specialize in information architecture, interaction design, prototyping, and usability testing. Despite distinct roles, there is a significant overlap, particularly in customer research, solution ideation, and user flow testing.2. Will AI Eliminate the Need for Both Roles? (02:35 - 06:50) AI can increase efficiency, but does it replace UX or PM roles entirely? Many organizations underutilize UX designers, treating them primarily as visual designers. AI efficiency gains should ideally allow both roles to focus on higher-level strategic work rather than replacing either.3. The Risk of Role Consolidation (06:55 - 09:25) Companies with limited UX investment might see AI as an opportunity to eliminate UX roles, shifting responsibilities to PMs. Similarly, strategic UX professionals who engage with stakeholders and business objectives could replace PMs in certain organizations. PMs focused only on execution (e.g., writing JIRA tickets) may find their roles at risk in the future.4. The Need for Cross-Skilling (09:30 - 13:40) PMs should develop UX skills (e.g., using Figma, understanding usability principles) to become better collaborators and future-proof their careers. UX designers should engage more in strategy, business alignment, and product thinking to solidify their role. Organizations benefit when both disciplines embrace AI efficiencies while maintaining their unique expertise.5. Future-Proofing Your Career (13:40 - End) PMs and UX designers should leverage AI as a tool rather than fearing replacement. Developing cross-functional skills ensures career longevity and adaptability. A collaborative approach leads to better business outcomes and personal career growth.Final Thoughts:John concludes by urging PMs and UX designers to embrace AI-driven efficiencies while strengthening their core competencies. By adapting and evolving, professionals in both fields can safeguard their careers and contribute more effectively to their organizations.Resources Mentioned: Interaction Design Foundation Courses Path2ProductConnect with Us: LinkedIn: John Fontenot Twitter: @productfont Instagram: @product.fontThank you for listening! If you enjoyed this episode, please subscribe and leave a review.

Class is back in session, ladies!    Once again, Sarah's sharing study notes from her graduate courses at Concordia University Irvine's Townsend Institute for Counseling and Leadership. In this episode on focus and productivity, drawn largely from Michael Hyatt's Free to Focus: A Total Productivity System to Achieve More by Doing Less, she covers how to:    STOP. This is where we Formulate, Evaluate, and Rejuvenate.  CUT. This is where we Eliminate, Automate, and Delegate.  ACT. This is where we Consolidate, Designate, and Activate.  “Putting some of these concepts into action has helped me so much with focusing my work and productivity – and letting go of the ‘hustle-productivity-do-all-the-things-at-once' culture,” says Sarah.   “We stress ourselves out about doing 'all the things' and just need a reminder that it's okay to not do 'all the things.' We aren't called to do that. We're called to serve each other in love because we are forgiven children of God, and that in itself gives us a lot of freedom.”  Connect with the Lutheran Ladies on social media in The Lutheran Ladies' Lounge Facebook discussion group (facebook.com/groups/LutheranLadiesLounge) and on Instagram @lutheranladieslounge. Follow Sarah (@hymnnerd), Rachel (@rachbomberger), and Erin (@erinaltered) on Instagram! Sign up for the Lutheran Ladies' Lounge monthly e-newsletter here, and email the Ladies at lutheranladies@kfuo.org.

Hotel Pacifico was created by Air Quotes Media with support from our presenting sponsor TELUS, as well as FortisBC. 

The FTN "Fast Break" Podcast covers all things hoops! New episodes every Monday & Thursday during the NBA season!On today's episode, Zac and Adam discuss Miami suspending Jimmy Butler again, the Jazz consolidating first round picks in a trade with the Suns and the major injury news of the week. Then they close out the episode with games to watch this weekend and Stock Up/Stock Down.Popular Links on https://ftnfantasy.comNFL Rankings Page: https://ftnfantasy.com/fantasy/nfl/rankingsProjections: https://ftnfantasy.com/nfl/projectionsADP tool: https://ftnfantasy.com/fantasy/nfl/adp-explorationUnderdog ADP Tool: https://ftnfantasy.com/fantasy/nfl/underdog-adpNFL Dynasty Fantasy Football: https://ftnfantasy.com/fantasy/nfl/nfl-dynastyMLB Homepage: https://ftnfantasy.com/mlbNFL Homepage: https://ftnfantasy.com/nflPGA Homepage: https://ftnfantasy.com/pgaNBA Homepage: https://ftnfantasy.com/nbaPrizepicks Tool: https://ftnfantasy.com/dfs/nba/prizepicks-predictions-toolDFS Optimizer: https://ftnfantasy.com/dfs/nfl/optimizerTools Page: https://ftnfantasy.com/tools/Prop Shop: https://ftnfantasy.com/bets/prop-shop

How are Trump's appointees planning to dismantle the federal government so as to make the rich richer?Also- Do we care more when a CEO is shot and less when it's just a bunch of children? See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Scott Bauer looks at Bitcoin, saying he doesn't want a “straight candle up or down,” but more of a sideways “stair-step” movement. He would buy the dip on gold, expecting a move higher, eying the $3K level. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Financial institutions commonly have to deal with multiple vendors even for a single device like an ATM. This can cause significant strain on resources, time and management as banks have to handle all of these vendors at once. In such cases, it may be worth it for banks to consider working with one vendor for a variety of technology needs from ATM installation to security, digital tools and more.In today's episode of the Bank Customer Experience Summit podcast, Bradley Cooper, editor of ATM Marketplace spoke with Brian Alfano, COO of Oregon Community Credit Union and Scott Fieber, chief strategy officer at Cook Solutions Group to learn more about the pros and cons of moving away from many vendors to one.During the podcast, the panelists provided expert insights into the following topics:What are the biggest problems with managing multiple tech vendors?What are the primary advantages of moving to one vendor?How can banks strategize to get the best deal?What's the cost factor in all of this?What solutions does Cook Solutions Group provide?Listen to the podcast in full above.

Ep 253: The UHC CEO murder, Joe pardons Hunter, Herr Trump looks to consolidate North America, French government collapses, martial law in South Korea, Candace Owens banned, and my NFL picks

This Day in Legal History: 13th Amendment RatifiedOn December 6, 1865, the United States formally abolished slavery with the ratification of the 13th Amendment to the Constitution. This historic amendment declared that "neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction." Its passage marked the culmination of decades of abolitionist struggle and the bloody Civil War, which had torn the nation apart over the issue of human bondage. The amendment was first passed by Congress on January 31, 1865, but required ratification by three-fourths of the states to become law. This final step was achieved when Georgia, the 27th state needed for approval, ratified it. Although President Abraham Lincoln had issued the Emancipation Proclamation in 1863, freeing slaves in Confederate-held territories, the 13th Amendment went further by permanently outlawing slavery throughout the entire country, including states loyal to the Union.The amendment also laid the groundwork for subsequent constitutional changes aimed at achieving racial equality, including the 14th and 15th Amendments. However, it was not the end of systemic racial oppression. In the years that followed, practices like sharecropping and the rise of "Black Codes" sought to perpetuate the subjugation of African Americans. The amendment's exception clause—allowing involuntary servitude as punishment for crimes—also became a basis for exploitative practices in the penal system, with effects still debated today.Nevertheless, the ratification of the 13th Amendment remains a cornerstone of American history, symbolizing the nation's legal commitment to freedom and human dignity. It was a monumental step in the ongoing journey toward civil rights and justice in the United States.The U.S. Supreme Court is examining United States v. Miller, a case involving the IRS and a bankruptcy trustee, which centers on whether sovereign immunity allows the IRS to keep payments made by a company before bankruptcy. The dispute arose from All Resort Group Inc.'s payment of $145,000 to cover its directors' personal tax debts three years prior to its bankruptcy filing. The trustee argues these payments were fraudulent transfers since the company was insolvent at the time, and the IRS should return the funds like any other creditor.Justices across ideological lines expressed skepticism of the IRS's claim that state fraudulent transfer laws and extended lookback periods, typically used by bankruptcy trustees, are inapplicable due to sovereign immunity. Justice Kavanaugh warned that reversing lower court rulings in favor of the trustee could enable fraud by allowing debtors to misuse company funds while shielding the IRS from clawback actions.The IRS maintains that the trustee's actions exceed the two-year lookback period allowed under bankruptcy law and that sovereign immunity blocks state law-based extensions. Critics argue that siding with the IRS could undermine bankruptcy trustees' avoidance powers, giving the government an unfair advantage over other creditors.Justices, including Barrett, Kagan, and Jackson, questioned the IRS's reasoning, suggesting it contradicts bankruptcy law's intent to treat the government like other creditors in such cases. Legal experts noted that Utah's fraudulent transfer laws, used to extend the recovery period, align with federal principles, challenging the IRS's "peculiar" stance.IRS Climbing a Steep Hill in Bankruptcy Trustee Clawback DisputeOpenAI plans to request the centralization of eight copyright and Digital Millennium Copyright Act (DMCA) lawsuits into a multidistrict litigation (MDL) in New York and California, according to statements made to a federal judge. These lawsuits allege that OpenAI infringed on copyrights during the training of its large language models. Plaintiffs include prominent names like The New York Times, comedian Sarah Silverman, and author Ta-Nehisi Coates. OpenAI assured the court it will continue participating in discovery while the request is reviewed by the Judicial Panel on Multidistrict Litigation. Notably, one DMCA claim by Intercept Media Inc., alleging OpenAI removed copyright management information from its content, recently survived a motion to dismiss. However, OpenAI successfully defended against a similar suit from Raw Story Media Inc. and Alternet Media Inc.The company has also sought to merge suits filed by The New York Times and Daily News LP. OpenAI is represented by Morrison & Foerster LLP, Latham & Watkins LLP, and Keker Van Nest & Peters LLP, while the authors are represented by the Joseph Saveri Law Firm LLP and Cafferty Clobes Meriwether & Sprengel LLP. The case underlines ongoing legal challenges for AI companies related to copyright and content use.OpenAI to Seek to Centralize Eight Copyright Lawsuits Against ItHouse Democrats are divided on a Senate-passed bill to add 66 judgeships to federal district courts, with some wary of granting Donald Trump the opportunity to appoint new judges during his presidency. The JUDGES Act, which aims to address judicial shortages in heavily burdened districts, represents the first major expansion of the federal judiciary since 1990. While some Democrats, such as Reps. Doris Matsui and Eric Swalwell, emphasize the urgent need for additional judges in their states, others, like Rep. Jerrold Nadler, oppose the timing, accusing Republicans of strategically advancing the bill after Trump's election win.The legislation proposes phasing in new judgeships over the next three presidential terms, beginning with 11 appointments in 2025 and another 11 in 2027. Courts in states with Democratic senators would receive 37 permanent seats, while those in Republican states would gain 26 permanent and three temporary positions. Supporters argue that the measure addresses pressing judicial workloads, such as in California's Eastern District, where judges face one of the nation's highest case-to-population ratios. However, critics suspect political maneuvering, with Rep. Zoe Lofgren questioning why Republicans waited until after Trump's victory to advance the bill. House Judiciary Chairman Jim Jordan hopes to pass the measure quickly, and experts note Republicans may secure enough Democratic support despite objections. The judiciary's policymaking body and federal judges back the bill, though its timing and implications for Trump's influence over the judiciary remain contentious.House Democrats Split on Bill to Add Judges After Trump Win (1)Donald Trump announced David Sacks, venture capitalist and co-founder of Craft Ventures, as his pick for the newly created position of AI and Crypto Czar. This role will oversee federal policy on artificial intelligence and cryptocurrency, with a focus on boosting U.S. leadership in these sectors. Sacks, a prominent Trump supporter and Silicon Valley figure, has ties to Elon Musk and was a key fundraiser for Trump's campaign. He is also set to lead the Presidential Council of Advisors for Science and Technology.Sacks' responsibilities will include crafting a legal framework to provide clarity for the crypto industry, a sector Trump has pledged to support after previously criticizing it. He will also influence the regulation and adoption of AI, countering Biden-era executive orders on AI oversight, which Trump has criticized as stifling innovation. Despite holding investments in crypto and enterprise software, Sacks will not be required to divest his assets, though conflict-of-interest rules will limit his involvement in specific decisions. Known for advocating free speech and opposing "Big Tech bias," Sacks aligns with Trump's broader deregulatory agenda. His appointment, alongside crypto advocate Paul Atkins to lead the SEC, signals a strong focus on deregulation for digital assets and tech industries.Trump Names David Sacks as White House AI and Crypto Czar (2)This week's closing theme is by Ludwig van Beethoven – a composer of some note.Ludwig van Beethoven, one of the towering figures of classical music, revolutionized the art form with his innovative compositions and bold vision. Born in Bonn in 1770, Beethoven's life spanned the Classical and Romantic eras, and his works embodied the bridge between these two periods. Despite his struggles with hearing loss, he composed some of the most enduring and transformative music ever written. Among his celebrated symphonies, the Symphony No. 7 in A Major, Op. 92, stands out for its infectious energy, rhythmic innovation, and emotional depth. Premiered in 1813, the symphony's exuberance earned it a special place in audiences' hearts, with the second movement, Allegretto, becoming an instant favorite.This week, we spotlight Franz Liszt's masterful piano transcription of Beethoven's Symphony No. 7. Liszt, a virtuoso pianist and composer of the Romantic era, was renowned for his transcriptions, which brought orchestral works to the solo piano repertoire, allowing a wider audience to experience their brilliance. His transcription of the Seventh Symphony captures not only the rhythmic vitality and dramatic contrasts of Beethoven's original but also its delicate nuances and grandeur.The second movement, in particular, shines in Liszt's version, with its solemn, almost hymn-like theme resonating deeply on the piano. Its hypnotic pulse and poignant melody reveal the emotional core of Beethoven's vision, even in a solo performance. This piece embodies the interplay of intensity and elegance that defines Beethoven's work and showcases Liszt's genius as both interpreter and innovator.Without further ado, Ludwig van Beethoven's Symphony No. 7 in A Major, Op. 92. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Hour 4: Time for Stefanski to consolidate power + Can Cavs ever be No. 1 team in CLE? + Mitch, Please! full 2102 Wed, 04 Dec 2024 15:14:13 +0000 w9Odp97VnpsMDvO8AGmf8mBttdD3ECA5 sports The Ken Carman Show with Anthony Lima sports Hour 4: Time for Stefanski to consolidate power + Can Cavs ever be No. 1 team in CLE? + Mitch, Please! The only place to talk about the Cleveland sports scene is with Ken Carman and Anthony Lima. The two guide listeners through the ups and downs of being a fan of the Browns, Cavaliers, Guardians and Ohio State Buckeyes in Northeast Ohio. They'll help you stay informed with breaking news, game coverage, and interviews with top personalities.Catch The Ken Carman Show with Anthony Lima live Monday through Friday (6 a.m. - 10 a.m ET) on 92.3 The Fan, the exclusive audio home of the Browns, or on the Audacy app. For more, follow the show on X @KenCarmanShow. 2024 © 2021 Audacy, Inc. Sports False

Today, Shannon Weinstein chats with Savannah Chaffin, an enrolled agent and expat tax expert in Vienna, Austria. Savannah shares her experiences navigating the complex world of international taxation, from lifestyle changes and cost of living to the intricate tax obligations US citizens face abroad.   Key topics include the importance of thorough research, consulting financial planners, understanding foreign tax systems, and reporting foreign income. This episode is packed with practical advice for anyone considering or already living an expat life. Tune in for valuable insights and real-life stories to help you manage your international move.   Savannah Chaffin is an Enrolled agent and self-declared "expat tax nerd", passionate about helping fellow expats navigate tax and finances when living abroad. She is the founder of Alveus Tax and co-founder of Passport to Wealth.   LinkedIn: https://www.linkedin.com/in/s-chaffin/  Website: https://www.passportwealth.com/    What you'll hear in this episode: 03:44 Decision to move made quickly and spontaneously. 06:46 Foreign income must be reported on US taxes. 12:28 Consolidate accounts and find a suitable bank. 14:30 Find familiar US tax preparer for complexity. 22:14 Switzerland taxes global wealth, not income. 25:11 Earned income exclusion: $126,500 in 2024 taxes. 26:39 Use physical presence test to adjust contributions. 31:02 Consider legalities: residency, taxes, visas abroad.   If you like this episode, check out: Simple S Corp Salary Guide for Beginners Why You Want to Avoid Tax Extensions Moving to a Tax-Free State - Worth it?   Want to learn more so you can earn more? CFO Power Session: https://www.keepwhatyouearn.com/power-sessions Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.

Kevin Green points to a wedge pattern forming in the S&P 500 (SPX) but believes we're still leaning on a bullish trend. Part of that bull charge will have to come from mega cap tech. When it comes to yields, Kevin sees signs of "yields up, equities up" for the markets. ======== Schwab Network ======== Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribe Download the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185 Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7 Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watch Watch on Vizio - https://www.vizio.com/en/watchfreeplus-explore Watch on DistroTV - https://www.distro.tv/live/schwab-network/ Follow us on X – https://twitter.com/schwabnetwork Follow us on Facebook – https://www.facebook.com/schwabnetwork Follow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Are you putting off creating your course because you're not an expert in all areas? Don't have the time? Maybe you're not tech-savvy or you worry about how to organize all your content so it makes sense and isn't boring.   These were some of therapist Robyn Firtel's concerns when she set out to create her successful online course Overcoming Love Addiction. With almost 25 years of experience, she knew her clients would heal more quickly if they received a foundational education to make the most of their time in counseling sessions with her.    That's where I came in! Robyn trusted me to support her in areas where she was less sure.    In this episode, we'll walk you through some of the most common hesitations to creating an online course and how to overcome them, including: ✔️ How to create a format that works with your strengths; ✔️ Where having a custom solution can sometimes make the most sense for you and your audience–no cookie-cutters here;  ✔️ Ensuring your course content matches your approach and your promise and enhances your client experience; and  ✔️ How the right support can help you feel confident and realize your vision in surprising ways.   Robyn has such a beautiful message. I learned skills in our collaboration that have stayed with me and changed my life too.    It's time to get your brilliant course out to the people who need it!   I care about you and your message! Are you ready to push through your resistance and receive expert support? Apply for Done-For-You (coursecreationboutique.com/course) and let's GET IT DONE together!

Have you been asking yourself if loan consolidation might be something you want to do with your debt? In this episode I walk you through the questions to ask yourself before you follow through with a loan consolidation application or a balance transfer with your credit card company.  When it comes down to it loan consolidations can be a great way to make your payments more realistic but is it the best thing for you?  There are many things to consider when getting a loan consolidation and I give you all the information you need.  I also introduce you to the "Prince Charming Effect" of what loan consolidations do for us and it's one of the most important pieces of thinking through if you are trying to be rescued or not.  You will get all the info you need to consolidate or not consolidate! 

Macron uses Paris Olympics to consolidate power The Duran: Episode 1983

One of the reasons many of us started a business was time flexibility.  But how many of us are really taking advantage of it?Maybe you're starting earlier than you want, or working later, because patients 'need' those time slots.Or you're spending 30 hours a week at the office but only seeing 12 patients.Or working straight through your lunch.Or adding patients at times you would rather be home with your family.We've all been there!  But it's ok to be a little selfish in your business!In this 'sode we go through how to build a schedule that really works for your life.  How to prioritize what's most important during this season.  How to make your weekly schedule more consistent and organized.  And how to make each day more productive.One of our greatest gifts as a business owner is the ability to change our schedules to suit our lives...and yet many times we're just working the same old hours!Optimize for what's important, consolidate your work times and embrace the time flexibility of owning a business!  'Lighten the Load' in Your BusinessIf you're a business owner (or wannabe), we know how difficult the journey can be.  We've worked with 600+ businesses to make the process easier, help you avoid mistakes and build a business that works for you.  Head to our Business Resources (www.pelvicptrising.com/business) to see how we can help!About UsNicole and Jesse Cozean founded Pelvic PT Rising to provide clinical and business resources to physical therapists to change the way we treat pelvic health.   PelvicSanity Physical Therapy (www.pelvicsanity.com) together in 2016.  It grew quickly into one of the largest cash-based physical therapy practices in the country.Through Pelvic PT Rising, Nicole has created clinical courses (www.pelvicptrising.com/clinical) to help pelvic health providers gain confidence in their skills and provide frameworks to get better patient outcomes.  Together, Jesse and Nicole have helped 600+ pelvic practices start and grow through the Pelvic PT Rising Business Programs (www.pelvicptrising.com/business) to build a practice that works for them!  Get in Touch!Learn more at www.pelvicptrising.com, follow Nicole @nicolecozeandpt (www.instagram.com/nicolecozeandpt) or reach out via email (nicole@pelvicsanity.com).Check out our Clinical Courses, Business Resources and learn more about us at Pelvic PT Rising...Let's Continue to Rise!

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It's been quite the strategic & interesting week for liberals!   In a shocking turn of events (but at the same time, not shocking at all), George Soros' son Alex Soros and former Vice Chair of Hillary Clinton's 2016 Presidential Campaign, Huma Abedin are tying the knot after less than a year of dating. Plus,  more and more Democrats are calling for President Biden to drop out of the race -- exposing a new side of the Democratic Party that many Americans are shocked to see.   On this episode, Sean and Rachel are at the kitchen table to discuss why they believe the seemingly spontaneous Soros-Abedin pairing seems a bit fishy given ties between the Soros & Clinton families, and why the current chaos surrounding Democrats is revealing things Rachel and Sean have been calling out for years.   Follow Sean & Rachel on X: @SeanDuffyWI & @RCamposDuffy Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we investigate the necessity of working in harmony with our environment and our own resource constraints. We are joined by Laura Mae Martin, Google's productivity expert and author of Uptime, who shares invaluable insights on productivity, efficiency, and creative flow.Laura recounts her journey at Google, where she transitioned from a sales role to coaching executives and developing productivity strategies from scratch. In a world teeming with tools and technologies, she argues for the need to be selective about the tools we use and deliberate in our approach to productivity. She introduces her five-step funnel framework—Create, Capture, Consolidate, Close, and Calm—that facilitates creative work from ideation to execution while emphasizing the importance of downtime.We also discuss the strategy of zero-based calendaring, which encourages designing your week from a blank slate to prioritize tasks that truly matter. This approach, alongside thoughtful planning and creating buffers in your schedule, can help manage the overwhelming demands of modern work life.Five Key Learnings from the Episode:1. Work in Harmony: Emulate the serene and focused approach of master artisans to produce high-quality work more efficiently.2. Five-Step Funnel: Apply Laura's framework—Create, Capture, Consolidate, Close, and Calm—to streamline your creative process.3. Zero-Based Calendaring: Rethink your schedule from scratch to ensure it aligns with your true priorities.4. Buffers for Productivity: Allocate specific periods free from interruptions to allow for deep, focused work.5. Downtime Equals Uptime: Integrate adequate breaks and periods of calm into your schedule to fuel creativity and prevent burnout.Mentioned in this episode: Maker's Schedule, Manager's ScheduleGet full interviews and daily content in the Daily Creative app at DailyCreative.appMentioned in this episode:NEW BOOK! The Brave Habit is available nowRise to important moments in your life and work by developing the habit of bravery. Available in paperback, ebook, or audiobook wherever books are sold. Learn more

This episode is brought to you by Equity Multiple. Dedicated to assisting physicians in simplifying their investment journey, Equity Multiple enables passive investment in vetted, professionally managed commercial real estate. Learn more at www.equitymultiple.com. This week Doug Crouse discusses the importance of managing your funds for closing. It's vital to avoid consolidating money right before closing due to potential bank holds. If you do need to consolidate funds, do it well in advance. Avoid moving large sums into a new bank account without transaction history, as this can appear suspicious and cause delays. Ensure the funds are in an account with established history to prevent issues. Thanks for listening, and we'll talk to you next time. If you have questions, Doug is available at DougCrouse.com