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In this episode of The Michigan Basketball Insider, Sam Webb and Tim McCormick react to the no. 1 player in the transfer portal, former UAB forward Yaxel Lendeborg choosing Michigan over the NBA despite projections as a late first round draft pick. The conversation highlighted Linderborg's potential, emphasized Dusty May's successful recruiting strategy, Michigan's depth, and it's prime contention with Purdue for the Big Ten title, the Final Four, and much much more. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

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

Is your cheerleader sitting out this season, and you're not sure what to do with all those emotions? Tryout season can stir up a rollercoaster of emotions for cheer parents and athletes alike. Whether your athlete made the team of their dreams, was placed somewhere unexpected, or decided to step away from cheer altogether, this episode tackles the raw realities parents and coaches face during this pivotal time. Gain insight into how team placements are really made—and why they aren't always personal. Discover the emotional challenges parents face when athletes opt out, and learn healthy ways to process and support them. Get clarity on hot topics like Flex divisions, team bonding, and how coaches handle the pressure of building competitive teams.Press play now to hear an honest, heartfelt conversation that will leave you feeling seen, supported, and more prepared for the season ahead.  Get Book Updates HERE!⁠ ⁠ Get Your Let's Talk Cheer Podcast T-Shirt⁠ ⁠⁠ ⁠ ⁠ Jason's On-Demand Coaches Training Videos⁠⁠⁠⁠⁠⁠ ⁠⁠ ⁠⁠⁠⁠ Code of Points Cheatsheet FREE⁠ Support Our Sponsors Fireside Chat with the Johnstons- https://podcasts.apple.com/us/podcast/fireside-chat-with-the-johnstons/id1763244914  Tumble-Con Conference, July 11th-13th- tumble-con.com Next Gen Coaches Conferences June 20th-22nd- NGconferences.com Video Reviews and Digital Courses- vidzing.tv/jasonlarkins Brittany's Comp Cheer Checklist- instagram.com/stories/highlights/18356656174188077  Jason's Book Recommendations- ⁠⁠⁠⁠Amazon Affiliate Link⁠⁠⁠⁠ ⁠⁠⁠⁠Follow Let's Talk Cheer on Instagram⁠⁠⁠⁠ Submit a Question of the Week ⁠⁠⁠⁠

Go to https://betterhelp.com/sensei for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help #sponsored Get your bonus sample pack of LMNT at http://elementallabs.refr.cc/jamesleonelli Please Subscribe, Share, Rate, and Review! In this episode, I talk about Flex Fight Series 47, the little show that could! Sponsorship opportunities available! To reach me, go to my Linktree - www.linktr.ee/senseileonelli Find my school online go to linktr.ee/tsmasmithtown Follow the podcast on Instagram @senseisweeklymindset

Do you love hiking and exploring the outdoors? Then hear about Nature Bus, a great FREE service offered each Saturday by the Capital District Transportation Authority (CDTA) that takes folks on routes from downtown Albany to parks and trails in the region. The "Beaver" route goes to Five Rivers Environmental Education Center in Bethlehem (pictured), Six Mile Waterworks, and other locations each Saturday through 9/27. The new "Warbler" route heads from downtown Albany and on to Thacher Park each Saturday through 10/4. For details on the routes, the many other nature destinations, and the many points where you can get on, check the bus 872 schedule at cdta.org. The Nature Bus is run in conjunction with the Mohawk Hudson Land Conservancy (www.mohawkhudson.org). Jonathan Scherzer, CDTA Director of Business Development, also notes three other special CDTA services: Flex on Demand, bike sharing, and electric-car sharing. Produced by Brea Barthel for Hudson Mohawk Magazine.

This week, Carrie Monahan reports from East Hampton on a shooting range for locals that has allegedly been peppering million-dollar homes of part-time residents with bullets. Then William D. Cohan looks at the new flex for billionaires—building private golf clubs. And finally, Molly Haskell remembers filmmaker Robert Benton, who gave us Bonnie and Clyde, Kramer vs. Kramer, and other masterpieces.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textToday on the Friday Flex episode: Your people are the brand. Let's look at building a team that lives your shop's culture.Support the show

Topics:  Women/Bald Guys, Marriage, Worst Jobs, Nicknames, Gen X BONUS CONTENT: Dominion, Unoffendable   Quotes: “Glad I landed my wife when I did.” “The tone of a man's voice matters. It's not enough just to be right.” “We both know where we're going, Sherri.” “Our culture values the wrong thing.” . . . Holy Ghost Mama Pre-Order! Want more of the Oddcast? Check out our website! Watch our YouTube videos here. Connect with us on Facebook! For Christian banking you can trust, click here!

In this episode of DevelopLex, we sit down with Burgess Carey, a multi-generational Lexingtonian, developer, and visionary behind some of Central Kentucky's most forward-thinking real estate and recreation projects. From pioneering self-storage development to reclaiming a forgotten gorge to launch Boone Creek Outdoors, Burgess shares a rare blend of entrepreneurial grit, environmental stewardship, and deep civic insight.We explore Lexington's unique development challenges - from zoning hurdles to greenbelt restrictions - and why the future will require creative, regional collaboration. Whether he's automating flex industrial spaces or building sustainable treehouse retreats, Burgess brings clarity, purpose, and originality to the local development conversation.--Core Themes Discussed:Lexington at a Crossroads: The city is vibrant—but at a pivotal moment. The next 50 years depend on how we balance preservation and progress.From Self-Storage to Sustainability: Burgess shares how he transformed an overlooked niche into a scalable model—and why tech is changing everything.Reimagining Green Space: Not all ag land is horse farms. Burgess challenges Lexington to create interactive, publicly accessible outdoor destinations.Experience Economy in Action: Boone Creek Outdoors proves development can be immersive, environmentally regenerative, and economically sustainable.Advice for Aspiring Developers: Read the zoning code, follow the community conversation, and don't force a deal—if it doesn't pencil, walk away.--Highlights:Why Lexington was a self-storage pioneer long before Wall Street took noticeThe story behind Boone Creek's abandoned gas station, leaky fuel tanks, and trout-filled transformationWhat dynamic pricing and Bluetooth locks mean for the future of light industrial real estateHow the “contractor unit” market is changing—and why it's worth building forWhy regional planning, not just urban density, is key to solving housing and job shortages--Guest Bio:Burgess Carey is a Lexington-born developer, business owner, and founder of Boone Creek Outdoors. From building self-storage facilities in the early ‘90s to leading eco-tourism and flex industrial projects today, he brings a rare depth of perspective to what it means to create lasting value for Central Kentucky.--Hosted by Weston Lockhart & Ross BoggessDevelopLex is proud to be supported by:SVN Stone Commercial Real EstateCommunity Trust BankCraftsman Contractors

We are alive and kickin' over on Patreon!! We have the sweetest bunch of people and over 50 hours of podcasts (including the whole Artist's Way!!), zooms and chats waiting for you to there. Join us!!You can find our guest, the brilliant Dr. Emily Anhalt on socials: @dremilyanhalt Check out dremilyanhalt.com/book to grab a copy of Flex Your Feelings.or find out more about Coa the gym for mental health at https://www.joincoa.com/ Help Hole is on Instagram and TikTokSofie is on Instagram, TikTok, Threads, Twitter and FacebookAbby is on Instagram, Substack, TikTok and ThreadsAbby will be at the Edinburgh Fringe August 12-25! BUY SOFIE'S BOOK WILL I EVER HAVE SEX AGAIN? HERE!EXECUTIVE PRODUCERS Sofie Hagen and Abby WambaughEDITOR Sofie HagenSPECIAL PRODUCERS Anjana, Clem and MamaWambaJINGLE by Nicky ElsonLOGO PHOTO Marie HaldLOGO DESIGN Haiminh Le

President Trump heads to Capitol Hill today to talk with GOP congressmen on the tax bill his party is trying to approve. Reporting from the Cboe Global Markets, Kevin Hincks urges investors to watch for other potential market movers, including Fed speakers taking the mic today. He also notes JPMorgan Chase (JPM) CEO Jamie Dimon serving as a "risk manager" not just for his company, but also the economy. That said, Kevin points to recent economic data and Home Depot's (HD) earnings as deep pockets of strength. ======== 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

Flex. Adapt. Win.That's the playbook for Ananta Islam, CEO at Körber Supply Chain Americas, who's scaling a global operation with one mission:Build teams that trust, strategies that empower, and a culture that moves at the speed of change.Here's what stood out in our conversation:

How does one make sure their crypto stays, well, THEIRS? Experts have a tip, and it's simpler than you might think. You've heard of hardware, now it's time to look into hardware wallets…https://www.thecryptomerchant.com/collections/ledger The Crypto Merchant City: Daytona Beach Address: 609 South Ridgewood Avenue Website: https://www.thecryptomerchant.com/

Selwood family tribute | Stevie gets ego-roasted | Rumours: Is Stevie is getting poached? | Ryano’s footy news: Dangerfield injury, Dogs on fire, Sam Docherty, & Nick Dalcos | Interview: Demons Jake Lever on the freezing game, surgery, and gardening | RUB Team flex on their best games | The Random Top 5 | Interview: Lions assistant coach Stewie Dew | The RUBS Good, bad and Ugly for round 10 | Which clubs are on the rise for the 8? |See omnystudio.com/listener for privacy information.

In this episode of Do This, Not That, host Jay Schwedelson shares simple but powerful ways to use the free version of ChatGPT—especially by sending it on “missions” most people overlook. He also dives into the rise of Answer Engine Optimization (AEO) and why flex culture is exhausting.=================================================Best Moments:(00:59) You can ask ChatGPT to audit things(02:05) Compare your homepage to your top 3 competitors(02:38) Audit your LinkedIn profile as a personal brand coach(03:06) Curate gifts under $50 that are clever, unique, and shipped fast(04:07) Audit my site for AEO—what's missing?(05:20) Radiologists at Mayo Clinic increased headcount by 55% because of AI(08:10) Black coffee is not a flex(08:50) Not taking a vacation for 6 years is not impressive(09:38) I don't watch TV—go play with rocks=================================================“Audit my homepage for conversion leaks.”➤ Add: You're a CRO expert. Critique this homepage [insert URL] and list 5 quick wins—headlines, CTAs, social proof, trust signals—to bump conversion by 15%.“Compare our homepage to our top 3 competitors.”➤ Add: Here are 3 URLs of our competition. Tell me where they outperform us in copy, social proof, clarity, offer, and CTA.“Audit my promo emails.”➤ Add: You're the world's greatest promotional email expert for webinars—shred my email and tell me how to improve the subject line, CTA button, preheader, image placement, the whole thing.“Audit my LinkedIn profile like a personal brand coach.”➤ Add: Based on my industry, tell me what's missing from my profile to attract leads or speaking gigs.“Find 5 creative birthday gift ideas from Etsy or Uncommon Goods for my [friend/boss/sister] who loves [insert interest].”➤ Add: You're a gift concierge. Curate gifts under $50 that are clever, unique, and ship fast. Don't give me basic stuff. Be quirky but useful.AEO PROMPT:“Audit my site at https://your-site.com for AEO (Answer Engine Optimization). What's missing that would stop my content from showing up in ChatGPT answers? Tell me exactly what to fix or add—FAQs, schema, internal links, headings, etc.”=================================================Check out our 100% FREE + VIRTUAL EVENTS! -> EVENTASTIC - The worlds LARGEST event about EVENTS! June 5-6 2025 Register HERE: https://www.eventastic.com/RegistrationGuru Conference - The World's Largest Virtual EMAIL MARKETING Conference - Nov 6-7! Register here: www.GuruConference.com=================================================AND Don't miss out on these awesome FREE upcoming Quick Hits!WunderKind: 20 Ideas in 40 Mins! Would You Rather?! Topic: Owned Channel Performance SECRETS!May 8th - Register HERE: https://www.linkedin.com/events/wouldyourather-ownedchannelperf7310021407273304064/theater/Marigold: May 30th 11am est. More info coming soon!=================================================MASSIVE thank you to our Sponsor, Marigold!!Email chaos across campuses, branches, or chapters? Emma by Marigold lets HQ keep control while local teams send on-brand, on-time messages with ease.Podcast & GURU listeners: 50 % off your first

(00:00) Albert Breer is the Senior NFL Reporter and Lead Content Strategist for The MMQB and part of the Thursday Night Football crew on Amazon - He joins the show for his weekly hour-long segment and breaks down the league’s streaming and travel surge (18:42) Belichick’s interview on Good Morning America starts earlier than expected (34:03) Finally, Breer weighs in on the Patriots’ schedule, how they’re better now are just another Team in the middle CONNECT WITH TOUCHER & HARDY: linktr.ee/ToucherandHardy For the latest updates, visit the show page on 985thesportshub.com. Follow 98.5 The Sports Hub on Twitter, Facebook and Instagram. Watch the show every morning on YouTube, and subscribe to stay up-to-date with all the best moments from Boston’s home for sports!

Join Restaurant Masterminds hosts Paul Barron and Rudy Miick as they sit down with Patrick Fore, CEO of Lime Fresh Mexican Grill, to explore how this 21-year-old brand is revolutionizing the fresh-mex space. Discover how Lime Fresh 2.0 is blending fast casual convenience with full-service hospitality through their innovative "flex casual" model featuring a full bar program contributing over 20% to revenue. Fore shares insights on creating "Lime Moments" for exceptional hospitality, revitalizing their menu with the "One Whole Lime Project," balancing digital innovation with authentic experiences, and preparing for strategic franchise growth that caters to both millennial and Gen Z consumers.~This episode is sponsored by: Gusto → https://gusto.pxf.io/PBN ~#1 rated HR platform for payroll, benefits, and moreWith Gusto's easy-to-use platform, you can empower your people and push your business forward. See why over 400,000 businesses choose Gusto.FreshMexRevolution #FlexCasualDining #RestaurantInnovationGet Your Podcast Now! Are you a hospitality or restaurant industry leader looking to amplify your voice and establish yourself as a thought leader? Look no further than SavorFM, the premier podcast platform designed exclusively for hospitality visionaries like you. Take the next step in your industry leadership journey – visit https://www.savor.fm/Capital & Advisory: Are you a fast-casual restaurant startup or a technology innovator in the food service industry? Don't miss out on the opportunity to tap into decades of expertise. Reach out to Savor Capital & Advisory now to explore how their seasoned professionals can propel your business forward. Discover if you're eligible to leverage our unparalleled knowledge in food service branding and technology and take your venture to new heights.Don't wait – amplify your voice or supercharge your startup's growth today with Savor's ecosystem of industry-leading platforms and advisory services. Visit https://www.savor.fm/capital-advisory

Send us a textThis week's Flex episode is about creating community using social media. Enjoy!Support the show

Being from a particular place doesn't make you special. What do you plan on doing with yourself? In this episode I discuss O-Block, Texas attitudes and holding on to a identity nobody cares about. The faster you figure out who you are the better you will be. Listen and enjoy Email tony@tonyresonno.com

1378 He's a medical visionary turning cutting-edge science into a strategic advantage for high-performers. With a focus on precision medicine, optimization, and longevity, he's helping entrepreneurs hack their biology and live stronger, longer, and sharper. Please welcome Dr. Tracy Gapin!Website: https://gapininstitute.com/Social Media: https://www.linkedin.com/in/tracygapin/, https://www.instagram.com/drtracygapin/, https://www.facebook.com/drtracygapin/, https://www.youtube.com/@DrTracyGapin________ Go to www.BusinessBros.biz to be a guest on the show or to find out more on how we can help you get more customers! #Businesspodcasts #smallbusinesspodcast #businessmarketingtips #businessgrowthtips #strategicthinking #businessmastery #successinbusiness #businesshacks #marketingstrategist #wealthcreators #businessstrategies #businesseducation #businesstools #businesspodcast #businessmodel #growthmarketing #businesshelp #businesssupport #salesfunnel #buildyourbusiness #podcastinglife #successgoals #wealthcreation #marketingcoach #smallbusinesstips #businessmarketing #marketingconsultant #entrepreneurtips #businessstrategy #growyourbusiness

Today I'm talking with Jacqui Byrne, the founder of FlexSchool, a pioneering educational model designed specifically for 2e students. Jacqui is an award-winning educational leader, a sought-after speaker, and a passionate advocate for neurodiverse learners. She's also a parent of 2e kids herself, and she built FlexSchool not just as an educator, but as a mom determined to find a better way for her own children, who were struggling at school. This is Jacqui's second time on the show—the last time was six years ago (and I encourage you to listen to that episode too). I wanted to bring Jacqui back to talk about what she's learned and observed in supporting the learning and growth of twice-exceptional kids over the years. We get into all kinds of topics in this conversation, including the story behind FlexSchool's creation and the philosophy that drives it, the power of talent-based learning, and how teachers and schools can become places of trust, safety, and joy for 2e kids who have often felt like misfits. Jacqui also shares insights into how behavioral issues in 2e students are often identity crises, and what it means to support their growth across the full arc of their lives.   About Jaqui Byrne Jacqui Byrne has a knack for seeing the brilliance others miss. As the visionary behind FlexSchool, she built a place where gifted and twice-exceptional (2e) students could thrive—quirks, challenges, and all. She didn't set out to start a school; she set out to solve a problem. Too many gifted, complex learners were being overlooked, underestimated, or misunderstood, and that wasn't something she was willing to accept.Jacqui never asks, “Why can't they do this?” Instead, she asks, “What haven't we figured out yet?” An award-winning educational leader, sought-after speaker, and passionate advocate, Jacqui presents at conferences, school districts, and education associations across the U.S. and internationally. She is the 2025 winner of the New Jersey Association for Gifted Children's prestigious Developing Minds Award. She serves on the advisory board for the Bridges Graduate School of Cognitive Diversity in Education and holds a degree from Yale University. She is the parent of twice-exceptional kids and knows firsthand what it feels like to watch a child struggle in either a gifted program or special education when they need both. That's why she built FlexSchool—not just as an educator, but as a mom who refused to give up.   You'll learn: How neurodivergent language is gaining acceptance and shifting education toward more inclusive, affirming mindsets How Flex School's talent-based model meets students where they are, sparking agency, creativity, and joy What Jacqui sees as key to teaching 2e students—modeling humility, building trust, and embracing their humor and uniqueness Why identity crises and masking are common in 2e kids and often drive anxiety and behavior challenges Why gifted kids may struggle with executive function or study skills despite high intellect—and how to better support them  Resources: Flex School Inside the Flex School with Founder Jacqui Byrne (Tilt Parenting Podcast) 2e101 website New Jersey Association of Gifted Children (NJAGC) Dr. Ross Greene / Lives in the Balance Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode is one of my favorites, hands down. Recorded live from our Air-BnB, JB, Jarod, and Zach chatted the MLS Next Flex event, the scouts, the tournament, and then were joined by Drew & Grady chatting about their recruiting experiences, FOLLOWED by 3 soccer mom's all in the weeds of getting their kids to the next level of soccer from pro to college! Intro 00:00-21:30 The Boys 21:30-48:45 The Moms 48:45-End Learn more about your ad choices. Visit megaphone.fm/adchoices

Co-host Jeremy takes us into the fascinating musical world of Lene Lovich. We listen to the sophomore release from the Detroit-born, UK-raised singer, whose interest in the arts helped inform a unique visual component to accompany her already interesting musical language.   If you like us, please support us at patreon.com/idbuythatpodcast to get exclusive content (episodes on 45s!), or tell a friend about us. Broke and have no friends? Leave us a review, it helps more people find us. Thanks!

What's up, people?! It's your man Liam “TAKU” Bauer, and we are back with another powerhouse episode of the Truth Not Trends Podcast! Episode #192 is one you do not wanna miss—we're bringing the heat with none other than SHARON BRUNEAU, the iconic fitness model, bodybuilder, and trailblazer who redefined what strength and femininity could look like! From high fashion to heavy lifting, Sharon's story is one of resilience, reinvention, and raw determination. We dive deep into her Métis heritage, her pivot from modeling to bodybuilding after a health scare, and how she carved out a space in an industry that wasn't always ready for a woman like her. She talks about the mindset it took to break barriers, her time gracing the covers of Flex and Muscle & Fitness, and what it means to live strong—inside and out. Whether you're an aspiring athlete, fitness coach, or just someone chasing your next transformation, Sharon's journey is gonna light a fire under you. This one's got heart, grit, and pure inspiration. Tune in, get fired up, and don't forget: We are the resistance! Hit that play button and let's go!

Prosper Trading Academy's Mike Shorr says the U.S. and China tariff pause was "too easy." He's watching for a potential stock pullback on any negative headlines following the announcement. For today's Big 3, Mike explains why investors should keep an eye on Qualcomm (QCOM), Cognizant Technology (CTSH), and Flex Ltd. (FLEX) on evolving tariff headlines. Rick Ducat supports Mike's analysis by diving into the chart technicals.======== 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

Head Of US Revenue At Indeed FlexFlex staffing is rapidly reshaping the employment landscape, offering both companies and workers unprecedented flexibility and dynamic opportunities. In this episode, J.R. Lowry sits down with James Terry, Head of US Revenue for Indeed Flex, a leading tech-driven staffing solutions provider. James unpacks how Indeed Flex is revolutionizing the job market by leveraging technology to connect businesses with qualified, flexible staff, and empower individuals to choose when, where, and how they work. From its innovative origins in the UK to navigating the challenges and shifts of the COVID-19 pandemic, the conversation explores how flex staffing has evolved and its critical role in meeting the changing demands of today's economy. James also delves into the shift in worker expectations, the increasing need for flexibility from employers, and how data-driven models are transforming the traditional hiring process. Join us to discover how flex staffing is not just a trend, but a fundamental shift that's driving the future of work and creating a more agile, responsive, and worker-friendly job market.Check out the full series of Career Sessions, Career Lessons podcasts here or visit pathwise.io/podcast/. A full written transcript of this episode is also available at https://pathwise.io/podcasts/james-terry/.Become a PathWise member today! Join at https://pathwise.io/join-now/

Customer service isn't just for business owners — it's about how you show up. In this episode, I share a simple story that made me rethink consistency, accountability, and the small moments that shape how others experience us. Whether you're building a brand or navigating your 9–5, this is your reminder: Soft skills are power moves. _____ We often hear, “Don't do too much.” But what if doing a little extra is exactly what sets you apart? In this episode of Dreams In Drive, I share a story about my son's weekly piano lessons — and how one small, consistent gesture (a reminder call from his school) completely changed the way I think about customer service, personal branding, and how we show up in the world. From that “annoying” phone call to the soft skills that leave a lasting impression, we dive into why being memorable is a strategy, not a burden. Whether you're an entrepreneur, creative, climbing the corporate ladder, or simply building your dream, how you make people feel matters. From how you send emails, greet coworkers, or finish a project — those “soft skills” are your secret sauce. This episode will help you: Reframe what it means to “go the extra mile” Understand how good service builds trust (and retention!) Recognize the everyday ways your presence is part of your brand Because being likable, thoughtful, and consistent? That's not extra — that's the real flex. This episode is your reminder that going the extra mile isn't extra... it's strategy. How you show up in the world matters. So, be intentional! *SUBSCRIBE TO THE ROAD TRIP NEWSLETTER: http://www.dreamsindrive.com/join *Follow Dreams In Drive on Social: *http://twitter.com/dreamsindrive *http://instagram.com/dreamsindrive *Follow Rana on Social: *http://instagram.com/rainshineluv *http://twitter.com/rainshineluv

In our 107th episode, your hosts are back to talk about three baller fics: "primped and polished till you glow with pride" by VagabondDawn (Mulan) @17:30, "A to Z (of the Universe)" by Nope (NASA Visions of the Future Posters) @42:21, and "i'll tell them put me back in it" by yeahitshowed (Agatha All Along) @1:12:36. While this episode has no formal theme, it sure does celebrate women and feminine expressions of desire! Come listen to this femslash-heavy episode as we discuss filial duty, unexpected genre fusions, and fiction as a site for the unveiling of subconscious needs and desires.

Send us a textListen in to this week's Flex episode: 5 questions with Zidy.Support the show

Welcome to another episode of the Gamer Flex Podcast, a podcast where you can enjoy your favorite video games, but also focus on your health and fitness as well. In the latest episode Ace speaks about the Xbox annoucement, GTA VI, & etc! Enjoy the podcast!New YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gamer Flex⁠⁠⁠⁠Gaming Illuminaughty Podcast: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Video⁠⁠⁠⁠Gamer Flex Equipment Recommendation: ⁠⁠⁠⁠Bands Set⁠⁠⁠⁠_________________________________________________Gamer Flex Podcast:(Spotify) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://spoti.fi/3qExeWi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠(Apple) - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://apple.co/3ixXUW3⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠_________________________________________________PayPal: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitchalerts.com/donate/aceofalltrades01⁠⁠⁠⁠⁠⁠⁠⁠GI Discord: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord.GG/GiUpdates⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠GI Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠GiUpdates.tv⁠

NASCAR earns right to flex on F1 + Fast 5 ft. Bill Lumberg cameo by Ed Lane

You ever been halfway through a bottle, halfway through a breakdown, and halfway through a blessing—all at the same damn time? Yeah, this one's for you.In today's episode, Meech lays down 10 raw, unfiltered reminders from his 30-day Lock-In journey. From drunk cookouts to delayed promotions, spiritual gut-checks to early morning grinds—this episode ain't just motivational, it's personal.If you're tired of hearing “give yourself grace” and ready to tell yourself the truth… lock in now. Because the future you is tired of waiting.www.masterthemilitary.comLet our sponsor BetterHelp connect you to a therapist who can support you - all fromthe comfort of your own home. Visit https://betterhelp.com/meechspeaks and enjoy a special discount on your first month.

Send us a textToday we have 5 questions with buycycle.https://buycycle.com/en-us/nbdadiscountSupport the show

Ford Motor Co. recently showed off the latest iteration of its large Expedition SUV in Louisville.Was the reveal a sign of confidence for the automaker? After all, it gave the company a chance to boast about its high level of domestic production — something important in the wake of a trade war. We chat about that as well as the auto industry overall on this week's episode of the Access Louisville podcast. Let's face it, this event may have just been a good reason for Ford executives to come to Louisville on Derby Week.The new 2025 Ford Expedition is rolling off the line at the Kentucky Truck Plant in Louisville after the company invested $500 million at the facility. The reveal took place on Wednesday, April 30, and included a visit from Ford CEO Jim Farley as our partners at WDRB News reported. He spoke about the auto industry reactions on tariffs as well as the economy as a whole.The price for the new SUV ranges anywhere from $62,000 to $100,000, by the way.  After the automotive talk, we switch gears to talk about the Kentucky Derby. Reporter Michael L. Jones has covered a couple of Kentucky Derby related stories in the run-up to the big event, including a conversation with George Zambelli of the Zambelli fireworks family. Obviously, this was a rough year for the company after a huge flood in April canceled Thunder Over Louisville.“I always wondered what it would be like if there was no Thunder, and unfortunately, we got to see what it was like,” Zambelli told Jones. “It's certainly an economic impact on the city. So, maybe this is a good wake-up call to say, ‘Hey, let's be supportive of this.'"We also talk about the Belle of Louisville being scratched from the Great Steamboat Race and Jones' recent visit to Kern's Kitchen, makers of the famous Derby Pie.Access Louisville, sponsored by Baird, is a weekly podcast from Louisville Business First. It's available on popular podcast services including Apple Podcasts and Spotify (which are linked above.)

Send us a textStay Connectedhttps://www.commstock.com/https://www.facebook.com/CommStockInvestments/https://www.youtube.com/channel/UClP8BeFK278ZJ05NNoFk5Fghttps://www.linkedin.com/company/commstock-investments/

Go to https://betterhelp.com/sensei for 10% off your first month of therapy with BetterHelp and get matched with a therapist who will listen and help #sponsored Get your bonus sample pack of LMNT at http://elementallabs.refr.cc/jamesleonelli Please Subscribe, Share, Rate, and Review! In this episode, I talk about Flex Fights Series 45! Sponsorship opportunities available! To reach me, go to my Linktree - www.linktr.ee/senseileonelli Find my school online go to linktr.ee/tsmasmithtown Follow the podcast on Instagram @senseisweeklymindset

This episode offers you $79 worth of value—completely free. Read till the end for the gift.In Part 2, Kevin introduces the core ideas behind his latest book, Flexible Leadership. He explains why leading isn't about finding the perfect style—it's about flexing based on the situation without abandoning your principles. We break down how intention, context, and flexors all work together, why rigid leadership labels backfire, and why the best leaders never stop adjusting how they show up.Key Highlights of Our Interview:Why Human Nature Hasn't Changed“The tools have changed. People haven't.”Start with Intention“Flexibility doesn't mean random. It means choosing your leadership moves on purpose.”Context Is Everything“If you don't read the situation right, no style will save you.”Flexors, Not Labels“You're not just a ‘visionary' or a ‘coach.' Labels can help, but they can also trap.”Compliance vs. Commitment“Sometimes you need quick compliance. Sometimes you need lasting commitment. Know what you're asking for.”____________________________Connect with us:Host: Vince Chan | Guest: Kevin Eikenberry>>>Your $79 free gift is here for you to accept -- not a scam, it's a personal gift from Kevin to you.  --Chief Change Officer--Change Ambitiously. Outgrow Yourself.Open a World of Expansive Human Intelligencefor Transformation Gurus, Black Sheep,Unsung Visionaries & Bold Hearts.EdTech Leadership Awards 2025 Finalist.15 Million+ All-Time Downloads.80+ Countries Reached Daily.Global Top 3% Podcast.Top 10 US Business.Top 1 US Careers.>>>150,000+ are outgrowing. Act Today.

In this episode, Julia wraps up the Cultural Intelligence series with a powerful conversation with Ukonwa Ojo, founder and CEO of Zaia Ventures. What starts as a meeting of two very different "cores" becomes a deep exploration of how we lead, how we listen, and what it takes to connect across differences. Ukonwa speaks candidly about the concept of Core and Flex, and how finally having language for this idea helped her understand and explain how she moves through the world. She shares that while her core is firmly rooted in her Christian faith, her capacity to flex beyond that allows her to connect across cultures, beliefs, and ideologies with empathy and openness. It's not a contradiction, she says, it's clarity. Julia and Ukonwa dive into the realities of clashing cores: how to stay in conversation when you disagree at a fundamental level, and how to decide when to speak, when to stay silent, and when to walk away. Ukonwa reflects on moments of being misunderstood, being triggered by cultural language, and making space for others. “Everybody doesn't deserve your point of view. But if someone's open, you owe them curiosity,” expresses Ukonwa. Listen to this one to gather how to listen through discomfort, stay present through difference, and hold onto curiosity even when our backs go up. It's a fitting and moving end to a series about what it takes to lead with Cultural Intelligence in a deeply divided world. About the Guest: Ukonwa Ojo is a dynamic leader with 27 years of experience across industries, having held senior roles at Amazon Prime Video & Studios, M.A.C Cosmetics, Coty, COVERGIRL, Unilever, Reckitt, and General Mills. Now Founder/CEO of Zaia Ventures, she builds businesses that uplift underrepresented communities, including Zaia, a global Christian social platform and Ada & Edith, a luxury womenswear brand redefining comfort.

Join us in this inspiring episode as we sit down with Elizabeth Willetts, the founder of Investing in Women, a groundbreaking job board and community dedicated to empowering women and promoting family-friendly workplaces. With over 17 years of recruitment experience, Elizabeth is passionate about helping professionals find fulfilling flexible and part-time work that fits their lives.   What You'll Learn: The mission behind Investing in Women and how it supports both women and forward-thinking employers. Elizabeth's journey in the recruitment industry, including her experiences at one of the Big 4 firms and a leading UK recruitment agency. Insights into the benefits of flexible work arrangements and how they can help close the gender pay gap. A behind-the-scenes look at Elizabeth's debut book, Flex, a dynamic guide for anyone seeking to build a successful career on their own terms. Tips for career pivots, including how to leverage your network and build relevant skills when transitioning to a new industry. Key Highlights: Discover the challenges faced by parents in the job market and how Investing in Women addresses these issues. Hear Elizabeth's thoughts on the importance of hybrid roles and flexibility in today's workplace. Learn about Subject Access Requests (SAR) and how they can empower individuals who have faced redundancy. Elizabeth shares her top advice for those considering a career change, including the significance of crafting thoughtful cover letters and documenting achievements. You can get your own copy of Flex: Smart Strategies to Build a Successful Career Around Your Life at https://blackwells.co.uk/bookshop/product/Flex-by-Elizabeth-Willetts/9781394267798 Find Elizabeth at https://www.linkedin.com/in/elizabeth-willetts/ and sign up to her newsletter and/or job board at https://investinginwomen.co.uk/ If you enjoy the podcast please help us grow by sharing this episode, or writing a review. You can also find me at www.thetripleshift.org and connect with me at https://www.linkedin.com/in/emmacthomas/   

Kevin Eikenberry didn't start in a leadership lab—he started on a farm where animals had to be fed no matter what else was happening. In Part 1, he shares how early lessons in discipline and systems thinking carried into his leadership work decades later. From his unexpected pivot from fertilizer sales to corporate training, to founding the Kevin Eikenberry Group, Kevin talks about the mistakes, pivots, and realities that shaped his approach to helping others lead better.Key Highlights of Our Interview:Feeding Hogs, Learning Discipline“No matter what else was happening, you had to feed the animals. Non-negotiable.”From Agriculture to Human Systems“I studied mechanical and biological systems. Now I work with human ones.”An Accidental Pivot into Training“I volunteered once at Chevron—and ended up reshaping my whole career.”The Easy Exit, the Harder Lesson“Leaving with projects lined up made it easier—but delayed learning how to market myself.”Keeping the Business Alive“You can't just be good at the work. You have to keep finding the next work.”____________________________Connect with us:Host: Vince Chan | Guest: Kevin Eikenberry  --Chief Change Officer--Change Ambitiously. Outgrow Yourself.Open a World of Expansive Human Intelligencefor Transformation Gurus, Black Sheep,Unsung Visionaries & Bold Hearts.EdTech Leadership Awards 2025 Finalist.15 Million+ All-Time Downloads.80+ Countries Reached Daily.Global Top 3% Podcast.Top 10 US Business.Top 1 US Careers.>>>150,000+ are outgrowing. Act Today.

Link: my.huel.com/90sBabyShow25Code: 90SBABYWIN A TRIP TO BRAZIL - https://raffall.com/382257/enter-raffle-to-win-a-trip-to-brazil-hosted-by-90s-baby-showWater2 - https://water2.com/90SBABY15 use code 90SBABY15 at checkoutJoin this channel to get access to perks:https://www.youtube.com/channel/UCOIOo7ybnNFNdwjSCgYDtOw/joinCheck out our Amazon Storefront - https://www.amazon.co.uk/shop/90sbabyshow/list/CA7MV366T30L?ref_=cm_sw_r_cp_ud_aipsflist_CJP85NJ95R280Z6C6NMZPO Box 5038 HORNCHURCH RM12 9JX Hosted on Acast. See acast.com/privacy for more information.

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In this conversation, Brett McCollum and Jon Sidoti discuss the nuances of industrial flex real estate investing, Jon's journey from construction management to independent investing, and the lessons learned through challenges such as Hurricane Michael. They explore the importance of market demand, tenant diversity, and strategic growth in the real estate sector, emphasizing the entrepreneurial spirit and the significance of networking.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What does it look like to go from performing on the grandest stages in the world… to helping women reclaim their voice and live a life rooted in truth?In this episode, Dina sits down with the incredible Shirin Eskandani—life coach, writer, speaker, and founder of Wholehearted Coaching—to talk about the messy, magical path of reinvention. From her early days as an award-winning opera singer to becoming one of the most respected voices in the personal development space, Shirin shares what it takes to walk away from a “dream life” and follow your inner knowing.Together, they unpack:How our identities are shaped by external validation—and how to unlearn thatThe power of redefining success and honoring your intuitionWhy mindset isn't everything (and what's missing from most coaching spaces)The fascinating link between performance, presence, and personal transformationWhat it really means to live a wholehearted lifeThis is not just a conversation about career pivots. It's a masterclass in self-trust, voice reclamation, and living life on your own terms.Whether you're in the middle of your own reinvention or just beginning to ask, "What if there's more?"—this episode is the permission slip you didn't know you needed.To learn more about Shirin's coaching certification program, click here: https://www.wholeheartedcertification.com**************Ready to dive deeper?If you're ready to stop chasing someone else's definition of success and start creating your own, you don't have to do it alone. Whether it's ⁠⁠1:1 coaching⁠⁠ or ⁠The Leadership Lab⁠⁠ there's a space for you to step into your power and lead with confidence.And to get you started, I've got a free resource just for you! Download The Unstoppable Leadership Blueprint to start redefining success in a way that actually feels right for you. Grab it now at the ⁠⁠link⁠⁠.

FREE Workshop: simplyconvivial.com/steady - Steady Steps: How to make progress when you have no motivationDo you feel like your hair is on fire? Like you're always putting out fires in your home? Are you swinging between chaos and control, between no plan and over-planning? In this episode, Mystie Winckler explains why checklists are powerful tools—but terrible masters. Learn to avoid the twin ditches of emotional emergency mode and rigid perfectionism, and embrace the narrow path of cheerful self-mastery. This is the mindset shift that frees you to lead yourself and your home wisely, with clarity, maturity, and grace.Join Convivial Circle: convivialcircle.comThis episode will help you:Spot when you're letting a checklist rule your dayUse plans as tools without becoming a slave to themReplace anxiety-driven decisions with discernment and wisdomWalk in responsibility, not reactionGrow in godly self-control through homemaking✨ Listen now to reclaim peace and purpose in your homemaking!00:00 Intro: Self-Mastery and the Role of Checklists  01:09 Living in Emergency Mode: Real or Self-Inflicted?  01:44 The Checklist as Savior: The Other Ditch  02:54 From Slavery to Stewardship: Finding the Middle Path  04:46 What Self-Mastery Really Means for Homemakers  06:00 God's Gift of Self-Control and Responsibility  11:58 Discernment: When to Stick to the Plan and When to Flex  16:42 The Checklist as a Tool, Not a TaskmasterMystie Winckler encourages moms to organize their attitudes and get traction at home so we are no longer overwhelmed or frustrated with homemaking. We are a community of Christian women striving to be competent, cheerful homemakers so we are fruitful, faithful, and hospitable. Subscribe for regular encouragement!

Jerry Brainum, former writer for Muscle & Fitness, Flex and IronMan Magazine, is the guest on this episode of the Bodybuilding Legends Podcast to discuss the 1994 Mr. Olympia contest. In Part Two of his interview, Jerry and host John Hansen talk about the results from the 1994 Mr. Olympia and the Grand Prix contests that took place in the weeks following the Olympia. At the end of the interview, John reads the article "Dorian the Devastator" written by Rosemary Hallum from the March, 1995 issue of MuscleMag International magazine. Time Stamps: 3:10 - Starting the diet 4:52 - John Little's book about Mike Mentzer 5:55 - Emails to the Podcast 7:55 - Bodybuilding: Tracing the Evolution of the Ultimate Physique book 15:30 - Start of interview with Jerry Brainum, Part Two 19:00 - Kevin Levrone at the 1994 Mr. Olympia 20:25 - Paul Dillett, 4th place at the 1994 Mr. Olympia 23:00 - Porter Cottrell, 5th place at the 1994 Mr. Olympia 23:30 - Chris Cormier in his first Mr. Olympia 24:20 - Nasser at the 1994 Mr. Olympia 26:00 - Charles Clairmonte at the 1994 Mr. Olympia 27:05 - The deep line-up at the 1994 Mr. Olympia 28:45 - The most overlooked bodybuilder at the 1994 Mr. Olympia 30:18 - The European Grand Prix contests  33:30 - Training the abs 40:30 - The danger of diuretics 41:50 - The movie "Magazine Dreams" 53:15 - The inspiration of Steve Reeves 1:01:40 - John reads the article "Dorian the Devastator" written by Rosemary Hallum for the March, 1995 issue of MuscleMag International magazine. Links: Jerry's newsletter Applied Metabolics Become a Patreon Member John Hansen's Workout and Nutrition Programs Bodybuilding Legends website  

Starting Lineup: Tampering in college athletics BYU needs to lean into deep NIL pockets What You May Have Missed

You didn't start this business to feel overworked, underpaid, and creatively drained. But somehow, between booking too many weddings and saying yes to everything, you've found yourself stuck in the cycle.If you've ever thought, “I love what I do… but I can't keep doing it like this,” this episode is for you.We're talking about what it really looks like to create a business that supports your life—not one that takes it over. The kind of business where you're shooting less, earning more, and finally attracting the kind of clients who light you up.Spoiler: It's not about having the perfect portfolio. It's about mindset, clarity, and the willingness to say no to what no longer fits.You are allowed to pivot.You are allowed to charge more.You are allowed to work less.If you've been craving space, freedom, and a business that feels good again—this episode is your sign to take the first step

Junk Volume: Doing Too Much Kills Progress Why this is a bigger problem than fitness fanatics would like to admit. (1:15) What is junk volume? (3:45) Why do we like it? (7:42) Junk Volume: Doing Too Much Kills Progress, Do These 5 Things Instead. #1 - Focus on the exercises that matter. (11:12) #2 - Don't compromise recovery unless it makes a LOT of sense. (14:40) #3 - The pump doesn't matter. (23:17) #4 - Total volume is more important than a specific volume. (25:05) #5 - Spend extra time on mobility. (28:49) Questions: What are some of the biggest junk volume exercises? (32:05) Are machines typically junk volume? (33:37) Why do we see so many fitness influencers doing junk volume? (35:44) Why do pro bodybuilders do junk volume? (37:45) Related Links/Products Mentioned Online Personal Training Course | Mind Pump Fitness Coaching ** Approved provider by NASM/AFAA (1.9 CEUs). ** April Special: MAPS HIIT or Extreme Fitness Bundle 50% off! ** Code APRIL50 at checkout ** Justin's Road to 315 Push Press Mind Pump #2562: Seven-Time Mr. Olympia Winner Phil Heath The infamous 92-93 progress pic of Dorian Yates. The 93 pic was famously sent to Flex magazine just prior to the 93 Olympia and scared the hell out of the competition. Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Phil Heath (@philheath) Instagram Dorian Yates (@thedorianyates) Instagram