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Procrastination and prejudices lead the way before the gearshift of Maximizing potential and the reality about accountability. WGO: -Force Fiesta-Braidtopia- Racist To-goBOW: “Angry”children's book: https://www.amazon.com/dp/B0FDX2XD1Y?ref=cm_sw_r_ffobk_cso_cp_apin_dp_FSD7CRRTPWC3XRWRNA33_1&ref_=cm_sw_r_ffobk_cso_cp_apin_dp_FSD7CRRTPWC3XRWRNA33_1&social_share=cm_sw_r_ffobk_cso_cp_apin_dp_FSD7CRRTPWC3XRWRNA33_1&bestFormat=true&previewDohEventScheduleTesting=C&csmig=1&fbclid=PAQ0xDSwLrLMRleHRuA2FlbQIxMQABp634i8oS5epoB49_plgZsomVBr8_4Q5Xauj-4XtdoekmFrg7Y6YdyIVGTgWn_aem_hnr9GPbzDEQ5GGv2iV0JoAT1:The RealReality Check: **Rate, Subscribe and vibe! Don't forget to tag #Toeachhisownpodcast or @ us to let us know what you think of this week's episodePodcast IGhttps://instagram.com/toeachhisownpodcast?igshid=OGQ5ZDc2ODk2ZA==CHRISSIE IG https://instagram.com/miss.lomax?igshid=OGQ5ZDc2ODk2ZA==ANA IGhttps://instagram.com/sunkissedchoc?igshid=OGQ5ZDc2ODk2ZA==
In Part 2 of our conversation wtih Sean Graham, Founder of Maven Cost Segregation Tax Advisors, we dive deeper into powerful tax strategies, focusing on cost segregation and accelerated depreciation. Sean explains the Look Back Strategy and how it can help amend past tax returns, shares insights on renovations and CAPEX opportunities, and outlines how cost segregation applies to new construction. We also discuss the importance of working with trusted professionals and reveal the biggest red flags to watch for in tax advice. Sean is an entrepreneur, investor, and registered CPA with a background in public accounting and private equity. He manages a portfolio of residential rentals and invests in self-storage developments. Sean is also the founder of Maven Cost Segregation Tax Advisors, a national leader in cost segregation services for commercial real estate. His expertise in real estate taxation helps investors accelerate depreciation and maximize after-tax returns.In this episode:Cost Segregation & Depreciation Strategies: How investors can accelerate depreciation to maximize after-tax returns.Look Back Strategy: Understanding how this approach works and its impact when amending prior tax returns.Identifying value-add improvements that can boost property performance and tax benefits.Cost Segregation in New ConstructionWhy experienced tax and cost segregation experts are essential for accuracy and compliance.Biggest Red Flags in Tax Advice : Common pitfalls to watch for when receiving tax guidance.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show
In this episode of The Missing Secret Podcast, John interviews a special guest . Rob Dube. Who is truly an enlightened soul. He wrote an amazing book called Shine. He co-authored this book with Gino Whitman, the founder of the wildly popular EOS operating system for businesses. In this book he talks about how looking inward is the key to unlocking true entrepreneurial freedom. Does that sound familiar? And he discusses 10 disciplines for maximizing your energy, impact and inner peace. As you will see in our conversation, Rob is just a very enlightened cool guy. In the conversation John charts Rob's path to success from his early entrepreneur years. All the trials and tribulations. Then they discuss how Rob met Gino Whitman – the founder of EOS. And how that meeting played out in his life. In the interview John discusses the 10 disciplines noted in Rob's book. And they delve into each one of them. John and Rob also discuss the think it be it methodology as it relates to actually doing the 10 disciplines. As you will see, this is a fascinating discussion.Buy John's book, THE MISSING SECRET of the Legendary Book Think and Grow Rich : And a 12-minute-a-day technique to apply it here.About the Guest:Rob is a speaker, author, podcast host, founder of the do nothing leadership retreat, Visionary of the 10 Disciplines with fellow entrepreneur, Gino Wickman.Rob Dube started in business selling Blow Pops out of his high school locker. He co-founded imageOne, which has been recognized by publications like Forbes and Inc Magazine for it's people first and purpose driven culture. Rob is the Visionary at The 10 Disciplines Coaching Program, which helps driven entrepreneurs who have mastered their outer world, master their inner world.As an avid meditator and positive servant leader for 30 years, Rob is driven to share the personal and professional benefits of leading and living mindfully. With the wisdom he's collected, Rob's leadership philosophy brought him into the public arena as a highly sought-after speaker for conferences, summits, peer groups, and organizations.Rob has received rave reviews from his TEDx talk, as well as from Ford, PayPal, EOS Conference, the Small Giants Summit, the Great Game of Business and COO Roundtables.Devoted to sharing the tools and techniques that have shaped his successes, Rob organized the annual donothing Leadership Retreat, a transformative experience tucked peacefully within the Colorado Rockies. Entrepreneurs are brought together to unplug from busy lives, connect with like-minded people, and rejuvenate the mind and body.As Visionary of The 10 Disciplines, and alongside friend and fellow entrepreneur, Gino Wickman, Rob offers entrepreneurs with driven DNA the opportunity to learn and build a foundation in their lives to create peace, ease, and impact.Website: https://robdube.com/About the Hosts:John MitchellJohn's story is pretty amazing. After spending 20 years as an entrepreneur, John was 50 years old but wasn't as successful as he thought he should be. To rectify that, he decided to find the “top book in the world” on SUCCESS and apply that book literally Word for Word to his life. That Book is Think & Grow Rich. The book says there's a SECRET for success, but the author only gives you half the secret. John figured out the full secret and a 12 minute a day technique to apply it.When John applied his 12 minute a day technique to his life, he saw his yearly income go to over $5 million a year, after 20 years of $200k - 300k per year. The 25 times increase happened because John LEVERAGED himself by applying science to his life.His daily technique works...
Dan Barry's Ad Sales as a Service helps media brands (especially newsletters) land more direct sponsorships and ad deals.In this episode, Dan reveals the three biggest pitching mistakes and their simple fixes that will maximize your sponsorship ROI.Chapters:(00:00) Three Sponsorship Mistakes to Avoid(05:33) Why Newsletter Sponsorships Stand Out(10:53) Earning Sponsor Trust Quickly(20:39) The Best Time to Monetize(26:07) Essential Sales Skills for Sponsorship Pitches(31:35) Boosting CPMs(37:02) Low-Budget Marketing Hacks(43:33) Crafting High-Conversion Lead Magnets This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit louisshulmanpod.substack.com
Dr. Brian Melrose // www.ptonice.com In today's episode of the PT on ICE Podcast, ICE CEO Jeff Moore & Spine Division lead faculty Brian Melrose sit down to discuss house plants, clinical decision making confidence, and mentorship in the clinic & community, Take a listen to the episode or check out the full show notes on our blog at www.ptonice.com/blog If you're looking to learn more about our Lumbar Spine Management course, our Cervical Spine Management course, or our online physical therapy courses, check our entire list of continuing education courses for physical therapy including our physical therapy certifications by checking out our website. Don't forget about all of our FREE eBooks, prebuilt workshops, free CEUs, and other physical therapy continuing education on our Resources tab.
Do you realize how much greatness lies within you? In this episode, Kevin talks with Dave Durand about the mindset and virtues necessary for leading others effectively and ethically in today's complex world. Dave describes the concept of giants, those we lead who have incredible potential, and stresses that leading them involves creating an environment that promotes autonomy, impact, and growth. He shares his four core virtues: prudence, justice, fortitude, and temperance. He clarifies that these are not outdated ideals but timeless strengths that help leaders make better decisions, act fairly, demonstrate courage, and maintain self-control. They also discuss building a strong leadership pipeline, succession planning, and why the goal of any great leader should be to become irrelevant. Listen For 00:00 Introduction and episode overview 01:10 Flexible leadership and guest introduction 03:10 Dave's journey to leadership 05:01 Defining a giant 06:20 Leadership and influence 09:21 Four virtues as leadership superpowers 12:06 Prudence 13:53 Justice 15:13 Fortitude 17:29 Temperance 19:34 Building a deep bench 24:44 Why are we working overtime 27:44 Optimizing personality for leadership 30:06 What Dave does for fun 31:03 What Dave is reading 32:05 Final thoughts and encouragement Dave's Story: Dave Durand is the author of Leading Giants: A Leader's Guide to Maximum Influence. He is a 9-figure founder, keynote speaker, bestselling author, award-winning CEO of Leading Giants, and Executive Chairman of Best Version Media. He has over three decades of experience in leadership and entrepreneurship. He has built and sold multiple businesses, which have collectively done over one billion dollars in sales. Dave is also a trainer of over 150,000 individuals, ranging from Fortune 500 executives and CEOs to small business owners and sales representatives. His leadership culture and focus on humility have earned recognition from major organizations, including Glassdoor, Fortune, Great Place to Work, and Top Workplaces USA. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos. Book Recommendations Leading Giants: A Leader's Guide to Maximum Influence by Dave Durand Nicomachean Ethics by Aristotle Thinking, Fast and Slow by Daniel Kahneman Like this? Transformational Influence with Walt Rakowich You Have More Influence Than You Think with Vanessa Bohns Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes
In this episode, Eitan Koter sits down with Dan Chorlton, CEO and co-founder of Goa Marketing. Goa Marketing is a SaaS platform that helps enterprise advertisers get more from their Google Ads budgets. Dan and his team have managed and optimized over a billion pounds in paid search, partnering with brands like MoneySupermarket to improve returns and reduce wasted spend.They start with the story behind Goa, including why the name stands for Governance, Opportunity, and Accountability. Dan explains how these three pillars guide their approach to managing campaigns at scale, from keeping track of errors to spotting new opportunities and showing leadership clear results.Eitan asks about the biggest gaps in Google Ads today, and Dan shares how automation and the right processes can make a major difference. They talk about where money often leaks out of campaigns, why testing matters, and how to set up experiments that lead to real improvements.They also discuss Google's latest ad formats, the impact of Performance Max, and how to balance automation with control. Dan offers his perspective on why ad copy testing still matters, the importance of a strong value proposition, and how small changes can have a large impact.If you run Google Ads, whether you are spending millions a year or just getting started, you will hear clear ideas for making your budget work harder and your results stronger.Website: https://www.vimmi.net Email us: info@vimmi.net Podcast website: https://vimmi.net/mastering-ecommerce-marketing/ Talk to us on Social:Eitan Koter's LinkedIn | Vimmi LinkedIn | YouTube Guest: Dan Chorlton, CEO (interim) & Founding Director at GOA MarketingDan Chorlton's LinkedIn | GOA MarketingTakeaways:Adaptability is crucial in the ever-changing digital marketing landscape.Testing and analyzing results rigorously is essential for success.Maximizing advertising spend efficiency can lead to significant cost savings.
Are you making the most of your website visitors? In this episode, I sit down with Abby James from Nonprofit Megaphone to explore innovative ways to connect with people who've shown interest in your organization. We discuss how to leverage website visitor data ethically and effectively to grow your supporter base and enhance your fundraising efforts. Overcoming the “Creepy Factor” Abby shares insights on: - Why collecting visitor information isn't as invasive as you might think - How to approach outreach in a way that feels authentic and valuable - Balancing personalization with privacy concerns Practical Strategies for Engagement Discover actionable advice for nurturing relationships with website visitors: - Crafting a welcoming initial email that sets clear expectations - Developing a consistent communication strategy beyond the first contact - Using segmentation to tailor your messaging effectively Maximizing the Value of Visitor Data Learn how to: - Identify potential business partners and volunteers from your website traffic - Use visitor information to refine your programs and services - Leverage data for both online and offline marketing efforts Getting Started with Visitor Engagement We address key considerations for implementing a visitor outreach strategy: - Essential tools and platforms to simplify the process - How to involve different departments in utilizing visitor data - Setting clear goals for your engagement funnel Whether you're new to digital marketing or looking to refine your current approach, this conversation offers valuable insights to help you turn website visits into meaningful connections and support for your mission. Want to skip ahead? Here are some key moments: 05:40 Ethical Considerations Explore the balance between personalization and privacy in visitor outreach. 12:15 Crafting Effective Welcome Emails Learn how to make a strong first impression that encourages further engagement. 19:30 Data-Driven Decision Making Discover how visitor information can inform your organizational strategy and program development. 26:45 Building a Sustainable Engagement Funnel Understand how to create a journey that guides visitors towards deeper involvement with your nonprofit. Don't miss this opportunity to learn how you can ethically and effectively utilize your website visitor data to grow your nonprofit's impact. Tune in for a conversation that could transform your approach to supporter engagement and fundraising. Abby James Abby has been immersed in the Google Ad Grant world for over 5 years, holding various positions at Nonprofit Megaphone. Nonprofit Megaphone is a Google Certified Partner and manages more than 750 Google Ad Grant accounts for nonprofits. With her experience in managing accounts and background in marketing and development, she now consults with nonprofits every day on how to fully utilize this program and amplify their missions! Learn more at nonprofitmegaphone.com https://www.facebook.com/nonprofitmegaphone/ https://www.linkedin.com/company/nonprofitmegaphone Connect with us on LinkedIn: https://www.linkedin.com/company/the-first-click Learn more about The First Click: https://thefirstclick.net Schedule a Digital Marketing Therapy Session: https://thefirstclick.net/officehours
Welcome to Day 11 of the Double Your Profit Series — the go-to profit series for contractors, home service owners, and small business entrepreneurs. Today we're unlocking one of the most powerful, overlooked profit drivers in your business: Optimizing Your Schedule for Profit.
GFA 467. Learn AI-powered strategies to grow your Amazon FBA business from Global From Asia's Bangkok workshop. This episode covers customer avatars, brand protocols, AI listings, competitor research, and free tools. The post Overload! Maximizing Your Amazon FBA E-commerce with AI with Michael Michelini appeared first on Global From Asia.
Welcome back to Belk on Business! I'm Josh Belk, and today we're picking up where we left off with our ongoing series diving into the latest legislative updates that impact your financial strategy and tax planning. If you're a real estate professional, investor, or business owner, this episode is packed with insights you won't want to miss.In this conversation, I unpack key updates around bonus depreciation, Section 179 expensing, and important changes to opportunity zones and interest expense deductions. From cost segregation strategies to navigating new OZ rules, this episode provides the clarity you need to make informed moves in the coming years.3 Key Takeaways100% Bonus Depreciation Is Back—and Permanent: Starting in 2025, qualifying 15-year property and equipment can again be fully depreciated in the year it's placed in service, a big win for real estate pros and business owners.Section 179 Expansion: The deduction cap has increased to $2.5M, and now includes items like HVAC systems, fire protection, and roofs—if you're in an active trade or business.Opportunity Zones Require New Strategy: The OZ program has undergone major changes—new eligibility, stricter reporting, and capital gains-only funding mean it's more complex but still potentially powerful.Episode Timeline & Highlights[0:00] - Introduction[0:35] - Recap of last week's episode and transition to today's topics[1:08] - Why depreciation matters for real estate professionals and business owners[2:20] - How the 2025 bonus depreciation changes could benefit your portfolio[3:09] - Real-life example of using a cost segregation study for maximum write-offs[4:17] - Expensing new factory and plant builds—and what qualifies[5:18] - Section 179 updates: new thresholds and expanded eligibility[6:21] - Passive investors vs. active business owners: who gets to claim what[7:27] - Why you need to talk to your CPA before diving into opportunity zones[9:14] - Update on interest expense deduction changes under section 163(j)Links & ResourcesIRS Section 179 Overview: https://www.irs.gov/publications/p946Cost Segregation Guide: https://www.costsegregationinitiatives.comOpportunity Zones Overview: https://opportunityzones.hud.govIf you found this episode helpful, don't forget to rate, follow, and review Belk on Business. And be sure to share it with your fellow real estate pros or business owners who want to grow smarter with tax strategy. See you next time!
Global From Asia TV: Running an International Business via Hong Kong
For full show notes go to https://www.globalfromasia.com/toptier/ The post GFATV 467 Overload! Maximizing Your Amazon FBA E-commerce with AI with Michael Michelini appeared first on Global From Asia.
Watch the YouTube version of this episode HEREAre you looking for tips on how to implement AI into your firm? In this episode of Guild Live, host Tyson Mutrux explores key trends for business owners and professionals, especially in law firms. The episode covers how AI can be used to maximize the efficiency of a law firm.AI is making an impact in the space of sales and marketing. It is creating more profit for creators in the field, with higher win rates and larger deals. There are some tips to consider if an individual, a business or a sector is looking to adopt AI and use it in their practice. This includes prioritizing data quality, investing in regular team training of AI tools and introducing AI slowly from those on the front line to executives to ensure smooth transitions. These tips will help your business take advantage of all that AI has to offer.When it comes to law firms, there are some ways businesses can use automation to ensure efficiency. Use automation to streamline processes like case management and intake so you are screening clients smoother and faster. Use AI tools to handle research and document drafting so attorneys can focus on clients and their needs. AI can also be used to outsource tasks like bookkeeping, instead of hiring someone to fill the role. AI adoption can really change the way a firm is run, so it is important to consider how it can work for you.Listen in to learn more!1:15 Discussion of AI adoption in sales and marketing3:59 Breakdown of who's adopting AI7:50 Advice on using automation to boost law firm efficiency 15:47 The effect of hybrid work policies on employee retention19:31 The need for clear communication to retain talent Tune in to today's episode and checkout the full show notes here. Resources:Join the Guild MembershipSubscribe to the Maximum Lawyer Youtube ChannelFollow us on InstagramJoin the Facebook GroupFollow the Facebook PageFollow us on LinkedIn
In this conversation, Tommy Mello and fleet management expert Renee Milam discuss the intricacies of managing a fleet of vehicles, particularly in the home service industry. They explore the benefits of leasing versus buying vehicles, the importance of maintaining a new fleet for employee morale and customer perception, and how effective branding can enhance business visibility. Additionally, they delve into the role of technology in optimizing fleet operations and the significance of understanding total cost of ownership in fleet management. Don't forget to register for Tommy's event, Freedom 2025! This is the event where Tommy's billion-dollar network will break down exactly how to accelerate your business and dominate your market in 2025. For more details visit freedomevent.com Timestamps: 00:00 Understanding Fleet Management and Vehicle Lifecycle 08:01 The Benefits of Leasing vs. Buying Vehicles 16:01 Optimizing Fleet Operations and Maintenance 23:16 The Importance of Vehicle Branding and Image 30:34 Leveraging Technology in Fleet Management
In this episode, Craig Evans sits down with Sean Graham, founder of Maven Cost Segregation, to discuss how strategic tax planning can unlock bigger returns for real estate investors—especially high-income earners. Sean shares his entrepreneurial journey, explains the vital role of cost segregation, and breaks down how quality and efficiency in these studies can significantly impact an investor's bottom line. Whether you're new to the concept or looking to refine your investment strategy, this episode offers practical insights you can put into action. Sean is an entrepreneur, investor, and registered CPA with a background in public accounting and private equity. He manages a portfolio of residential rentals and invests in self-storage developments. Sean is also the founder of Maven Cost Segregation Tax Advisors, a national leader in cost segregation services for commercial real estate. His expertise in real estate taxation helps investors accelerate depreciation and maximize after-tax returns.In this episode:Craig Evans welcomes Sean Graham, founder of Maven Cost Segregation.Sean shares his entrepreneurial journey and professional background.Insights on the importance of tax strategy in real estate, especially for high-income earners.The role of cost segregation in maximizing real estate investment returns.Emphasis on quality and efficiency in conducting cost segregation studies.In-depth look at practical applications of cost segregation for investors.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669. For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show
Are industry conferences worth your time and money? In this episode, James Shepherd sits down with John Newton, chief organizer of the Western States Acquirers Association (WSAA), to talk about how to decide whether to attend, the value of sponsoring versus being an attendee, and proven strategies to maximize networking opportunities. James also shares why some of his best deals and connections have come directly from events like WSAA.
Maximizing Impact Summer 2025 - FAAF228In this 228th episode, I share my daily reflection posted on BlueSky, TwiX @bryoncar and YouTube shorts @FreshAirAtFiver, from Aug 4th to 8th, 2025. Check out the WHOLE SPOTIFY PLAYLIST I put together with all the listens mentioned below:>>> bit.ly/E228FreshAirAtFivePlaylist
Today's B2B buyers are tuning out traditional marketing—and doing their homework long before ever talking to sales. Authentic social proof matters more than ever. Yet, too many companies treat customer stories like one-off projects that quickly fade into the background. Andy Stauffer, former VP of Sales and Marketing at CloudCoach and now CEO and founder of Proofmap, has seen this challenge firsthand. On this episode of Supercharged Marketing, Andy joins Pius Chan to explore how resource-strapped marketing teams can turn customer interviews into living, evolving assets that fuel every stage of the buyer journey—not just static case studies gathering dust. “If you're having 30 to 50 really useful testimonial conversations a year, how can you get as much value as possible—impacting the entire buyer journey instead of just tossing them up on a website?” — Andy Stauffer Tune in as we dive into practical ways to capture authentic customer voices and build the kind of social proof modern B2B buyers trust. The big takeaway? Your best proof deserves better. Keep customer stories alive and let them power your revenue growth at every stage of the journey. ABOUT THIS PODCAST Welcome to Season 3 of Supercharge Marketing. This season isn't just about choosing the right channels; it's about creating content with purpose. Why? Because we're living in a marketing-led buyer's journey. This season, we'll talk about how marketers can own the revenue conversation by building purposeful, strategic content that connects with audiences across multiple channels. Whether you're in a startup, an agency, or a large enterprise, we'll show you how to harness the power of omnichannel and multichannel strategies to engage customers and generate the leads that lead to revenue. Get ready for expert insights, tactical tips, and real-world examples that will make you feel like the superhero of your marketing team.
Scroll-stopping content is the key to standing out as a voice actor online. In this episode of the Everyday VOpreneur Summer Series, Marc Scott and Megan Bunting dive into smart, creative ways to showcase your voice over work through engaging content. Whether it's breaking down your demo into compelling clips, adding storytelling to your posts, or producing docushort videos, you'll learn how to make content that actually captures attention... and books work. CONNECT WITH MEGAN BUNTING
Welcome back to another episode of The Full Desk Experience! In this Industry Spotlight, host Kortney Harmon sits down with Lauren Jednat to unravel the true impact of AI sourcing agents on the recruiting world. With tales from the trenches and insights from daily conversations with recruiting leaders, Lauren and Kortney dive deep into how AI is augmenting—not replacing—the human touch in staffing. From slashing hiring costs and boosting efficiency to shifting recruiter roles from repetitive sourcing to building strategic relationships, you'll hear how the old ways of recruiting aren't keeping up and why embracing AI is now essential for staying competitive. Whether you're curious about AI's ROI or worried about falling behind, this episode is packed with actionable advice and real-world examples to help you rethink your approach for 2025 and beyond. Don't miss out on this timely discussion about the future of recruitment technology and the steps you can take right now to modernize your desk._________________Follow Lauren Jednat on LinkedIn at: LinkedIn LaurenFollow Crelate on LinkedIn: https://www.linkedin.com/company/crelate/Want to learn more about Crelate? Book a demo hereSubscribe to our newsletter: https://www.crelate.com/blog/full-desk-experience
Feedback doesn't create learning by itself—learning happens when students reflect on, act upon, and integrate feedback into their work. Teachers don't cause student achievement. Students do. Our role as educators is to design environments, tasks, and relationships that enable students to produce the learning behaviors that generate achievement. One of those critical learning behaviors is knowing how and being willing to use feedback. Instructional coaches and coaching leaders are supporting teachers to build opportunities for students to profit from feedback, they should be looking to create the same opportunities for their feedback to be profitable for teachers. Watch the "Austin's Butterfly" video here. Subscribe to the Steve Barkley Ponders Out Loud podcast on iTunes or visit BarkleyPD.com to find new episodes!
Fancy Scientist: A Material Girl Living in a Sustainable World
If you're involved in the wildlife or conservation field in any capacity, whether you are a current or aspiring career professional, someone volunteering their time to make the world better for wildlife, or simply just want to learn more to help out, chances are, you've struggled with the emotional toll that comes with trying to save a species, cope with the climate change crisis, get plastic out of our system, and the list goes on and on…Unfortunately, the nature of the conservation field (no pun intended) is inherently dealing with loss. And without giving ourselves the care and attention that we need, in addition to the Earth, these emotions can evolve into chronic conditions.Anxiety and depression are two such conditions that I have personally struggled with, have learned a lot about over the years, and now have largely overcome (although you'll notice in this episode I've had a lot of ups and downs). Also, I know that I'm not alone.Today I'm talking about my journey going on and now off of anti-depressants because I know many people in the wildlife field are struggling. I read Facebook posts from my friends who are struggling desperately in graduate school, and of course, I remember my own experiences while getting my PhD. Now, aspiring wildlife professionals are expected to work all the time, constantly put in their all, while their personal health and well-being take a backseat.Even major scientific journals like Nature and Science have started to take notice and publish many articles about graduate students struggling with mental health disorders. In addition to the challenges associated with biodiversity loss, those working towards becoming wildlife professionals are suffering due to the increased demands put on them driven by intense competition.This includes more papers to publish, more grant money to bring in, and the pressures of landing a job in this ultra-competitive field. It's tough for people to deal with. Even for entry-level jobs, expectations are much higher than they were just a couple of decades ago.In my decades of being in a wildlife and conservation field professional, I used anti-depressants really at the beginning of my career journey to help me cope. I thought there was something wrong with me that I just couldn't be happy without them. Although they have been a valuable resource for me, in the past few years, I've learned so much about my mind and have developed tools, practices, and more that have allowed me to go off of them completely – something I was told by several doctors that I would not be able to do. For today's podcast episode, I wanted to share this journey with you.Here, I detail my long and ongoing journey of dealing with anxiety and depression, and what I did to support my mental health to the point of no longer needing antidepressants.I recognize the value of antidepressants, and if you're currently on antidepressants, I'm not trying to convince you to go off them; rather, this is an episode about engaging in self-care. I provide you with the tools and mindset work that I've learned over the years. It's been truly effective, and the reason behind how I was able to go completely off my antidepressants.Specifically, I go over:How anxiety and depression are related to wildlife and conservationHow the demands of working in a wildlife career have changed over the yearsWhy focusing on mental health is essential and NEEDS to be a high priority for those in wildlife professions My personal journey going on and off of antidepressants: why and how I did itMy favorite books for teaching you how to truly love yourself and restructure your self-talkHow a healthy lifestyle and nature are essential tools that boost your mental healthOther mindset tools for dealing with mental health strugglesThe importance of prioritizing your self care and that mental health is healthAnd MORE!Dream of being a wildlife biologist, zoologist, conservation biologist, or ecologist? Ready to turn your love of animals into a thriving career?
What if your greatest strength is simultaneously your biggest weakness? Award-winning superintendent and leadership coach Dr. PJ Caposey cuts through conventional wisdom to reveal a compelling truth: the qualities that make us exceptional are often the same ones holding us back from reaching our full potential.Drawing from his experience as both a superintendent and cancer survivor, PJ shares profound insights about leadership as a relay race rather than a solo sprint. He discusses the liberating concept of "bringing all of yourself" to both work and home, breaking down the exhausting compartmentalization many leaders struggle with. Using the Enneagram as a tool for understanding our default dispositions, he demonstrates how self-awareness can transform not just how we lead, but how we live.The conversation explores the "lighthouse" approach to parenting, finding joy in creating ripples of positive impact, and the courage to embrace our imperfections authentically. This permission to be authentically human while striving for excellence represents the core of PJ's leadership philosophy.Whether you're seeking to maximize your impact as a leader, understand your behavioral patterns, or bring more authenticity to your daily interactions, this conversation offers practical wisdom that transcends typical leadership advice.EPISODE RESOURCES:Connect with PJ via his website, Instagram, LinkedIn, and email: PJCaposey@gmail.comCheck out PJ's books on Amazon.
The stars of the new show ‘The Terminal List: Dark Wolf,' including Chris Pratt and Taylor Kitsch, join to talk about bringing the series to life and the competitive games played on set. Also, Josh Brolin and Julia Garner stop by to catch up and discuss teaming up in their thrilling new film ‘Weapons.' Plus, organizing expert Janelle Lam shares a few space-solving solutions to help you maximize and organize your living areas.
For many years, it was rare to see a new CRNA grad get a 1099 opportunity, but that's been changing over the past decade. This new generation of CRNAs looks at work differently than previous generations and 1099 fits their lifestyle needs much better. So what do you really need to know if you are choosing between traditional W2 employment and the increasingly popular 1099 pathway? Kevin and Larry welcome on Beyond the Mask hosts Jeremy Stanley, EA, CFP®, AIF® and Sharon Pearce, DNP, CRNA, FAANA, FAAN to talk tax advantages, income potential and career flexibility. Here's some of what we discuss in this episode:
Sean and Andrew are back with Matt Darr and Ben Covington from Iowa State University's On-Site Precision Technology team in ISU's new Digital Ag Innovation Lab to hear their two cents on how advancing the technology on your farm is simpler than you might expect. The crew discusses: ✅ Why understanding ag technology is important for every grower ✅ The importance of education for adoption of ag tech ✅ Behind-the-scenes the Digital Ag Innovation Lab's planter clinic ✅ The science behind downforce and planting depth ✅ How John Deere's FurrowVision and See and Spray™ technology impacts farmers ✅ Tillage practices and soil compaction ✅ A new approach to planting soybeans ✅ The crop input you don't want to cut corners on Learn more about the Digital Ag Innovation Lab: https://www.isudigitalag.org/ Meet the Guests:
What happens if I get hired back? A supplemental annuity?What is a Redetermined Annuity? Five years might be big! What's the catch? Schedule a peace of mind visit for your retirement planning with this link: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call“Maximizing your federal pension by understanding supplemental annuities when rehired”⌚️ Timestamps0:00 – Can I get hired back to my federal job? The kicker explained 0:24 – How supplements work if you return while collecting a pension 0:46 – What happens if you haven't built your “high‑3” salary average 1:14 – The impact of 5 years of rehire: redetermined annuity explained 1:38 – How returning could boost your entire pension calculation 2:09 – The kicker: salary offset when receiving a VA or agency pension 2:41 – Specific examples of pay reduction formulas 3:15 – Offers from other agencies: what to consider before rehiring 3:31 – Schedule a call to get personalized help from CD FinancialConnect with CD Financial for More Insights:Twitter: /CDFinancial_LLCInstagram: /CDfinancial.llcFacebook: /CDFinancialLLCLinkedIn: /cd-financial-llc Visit our Website: https://cdfinancial.org/Subscribe and Stay Updated: Don't miss out on crucial advice for your financial journey. Subscribe now for weekly insights and strategies to secure your retirement.Get More from CD Financial: Looking for personalized advice? Schedule a consultation with Charles to tailor a plan that suits your unique financial situation: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-callAdvisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.Opinions expressed herein are solely those of CD Financial and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation.Support the show
Oprah, CNN & Major Motion Pictures, even one with Beatle Ringo Starr, have featured his work! It is always a treat when I talk to Dr. John F. Demartini. He is a human behavioral specialist, educator and international authority on maximizing human awareness and potential. What are your goals? His value determination process is quite revealing.He is the founder of the Demartini Institute, a private research and education organization with a curriculum of over 72 different courses covering multiple aspects of human development. His trademarked methodologies, the Demartini Method and the Demartini Value Determination, are the culmination of 39 years of cross-disciplinary research and study. His work has been incorporated into human development industries across the world. © 2025 Building Abundant Success!!2025 All Rights ReservedJoin Me on ~ iHeart Media @ https://tinyurl.com/iHeartBASSpot Me on Spotify: https://tinyurl.com/yxuy23bAmazon Music ~ https://tinyurl.com/AmzBASAudacy: https://tinyurl.com/BASAud
Coach Pete and his team crack open the secrets to building unstoppable retirement income and navigating today’s unpredictable markets—especially for federal employees! Dive into the emotional rollercoaster of investing, learn the real story on annuities, and get expert tips for handling RMDs and making smart downsizing moves. Don’t miss this jam-packed episode with real listener questions, powerful money moves, and strategies that will supercharge your financial future!See omnystudio.com/listener for privacy information.
Mastering Cash Offer Seller Leads: A Deep Dive with Josh SchoenlyCheck out the full video replay here: https://youtu.be/nVYGmnJ2wgIDoc Referenced:https://docs.google.com/document/d/1GdU4zQSGClfr2w3hvr-ePYG7W0-AThQ7vak6T5RExCA/edit?tab=t.0Join us in this insightful episode as we welcome Josh Schoenly, a seasoned real estate coach and marketing expert. Josh shares his extensive experience in the industry, dating back to the mid-2000s, and his transition from production to coaching, training, and ultimately his return to real estate production. Discover his strategies for acquiring and converting motivated seller leads, the benefits of exclusive leads, and his methods for nurturing leads through smart campaigns and direct mail. Plus, gain insights into his automated processes, ROI considerations, and get inspired by his creative follow-up techniques. This episode is packed with actionable tips and real-world examples to help you enhance your real estate business. Timestamps:00:00 Introduction and Guest Introduction00:35 Josh Schoenly's Background and Experience02:10 Current Strategies and Success Stories07:10 Lead Sources and Their Effectiveness10:52 Detailed Breakdown of Lead Providers17:30 Case Study and Practical Tips19:39 Clarifying Property Details19:52 Initial Offers and Challenges20:21 Leveraging Appointments for More Leads21:03 Handling Rejections and Objections21:40 Understanding Seller's Perspective22:39 Effective Use of Personal Video Messages23:59 Direct Mail Campaign Strategy26:32 Smart Campaign and Follow-Up Tactics30:32 Cash Offers and Market Insights33:44 Q&A and Financial Metrics37:06 Closing Remarks and Contact Information
If your classroom has ever felt like a whirlwind of chaos (hello, Monday mornings!), then this episode is your go-to guide for turning the madness into magic. ✨ In today's episode, we're diving into: Why functionality is everything in a special education classroom The must-have tools that simplify your day (yes, visual schedules = lifesavers!) How to set up efficient zones that make transitions smooth and expectations clear Simple systems that save you tons of time (spoiler: batch-laminating = genius) My favorite ready-to-use resources to help you hit the ground running
In this episode, host John Pajak speaks with Dennis Hering of The Advisory Investment Bank about the unique challenges and opportunities of selling a green‑industry business to private equity. They discuss why a focused, tech‑enabled advisory process drives better outcomes than DIY platforms, how to prepare for an exit, navigate deal structures like earn‑outs and rollovers, and ultimately unlock greater value. Perfect for lawn care and landscape business owners planning for their next chapter. Comments and Questions are welcome. Send to ProfitswithPajak@gmail.com Episode Links: Apple Podcast Listeners- Copy and paste the links below into your browser. The Advisory Investment Bankhttps://theadvisoryib.com/ Upcoming Events: Get 50% OFF Equip Expo 2025 tickets NOW with promo code PAJAK https://plus.mcievents.com/equipexpo2025?RefId=PAJAK LCR Summit: October 19th and 20th in Louisville, Kentucky The Playbook for Success in Your Business and Life! https://www.lcrmedianetwork.com/ Show Partners: Yardbook Simplify your business and be more profitable. Please visit www.Yardbook.com Get 30 days of Premium Business level of Yardbook for FREE with promo code PAJAK Relay Relay is small business banking that puts you in complete control of what you're earning, spending and saving. Click here to sign up for Relay and get $50.00 cash bonus!http://join.relayfi.com/promo/get-50-ulumkswykjzwi4dqsm?referralcode=profitswithpajak&utm_source=influencer&utm_medium=podcast Mr. Producer Click the link to connect with Thee Best Podcast Producer in the biz! https://www.instagram.com/mrproducerusa/ Green Frog Web Design Get your first month for only $1 when you use code, PAJAK , and have your website LIVE in 3 weeks from projected start date or it's FREE for a year. https://www.greenfrogwebdesign.com/johnpajak My Service Area “Qualify Leads Based on Your Profitable Service Area.” Click on this link for an exclusive offer for being a “Profits with Pajak” listener. https://myservicearea.com/pajak Training and Courses Budgets, Breakevens, and Bottom Lines™ Workshop John Pajak's exclusive system is designed to help you avoid common failures and achieve your business' financial goals to be profitable and scale your business. https://www.johnpajak.com/offers/qvgvV8m3/checkout Yardbook Training Workshops Learn one-on-one with John Pajak to use Yardbook like a pro to streamline your business and make more money! https://www.johnpajak.com/offers/aJ9YX7aB/checkout
What if healthy food actually became the most delicious part of your day?In this episode of Better Health Bookshelf, host Mike Capuzzi talks with Dr. Deborah Kennedy about culinary medicine—the practical approach to making nutritious food taste so good, you'll want to eat it. If you're tired of the chemicals, sugar, and salt hidden in your food—or frustrated that healthy cooking feels bland or boring—this episode will give you a new path forward.What you'll learn:How to make healthy eating sustainable by maximizing flavor.Simple kitchen strategies to cut sugar and salt without losing taste.Why food as medicine isn't hype—it's a powerful, science-backed solution.Listen now to discover how to transform your relationship with food and cook meals that heal, energize, and satisfy.Click here to grab your copy of Culinary Medicine: Maximizing Flavor to start making healthy food craveable today.If you find this episode helpful, please consider subscribing and sharing it with friends and family.
#ThisMorning on #BRN #Wellness | #Maximizing Your #Healthspan | Sandy Charles, MD, American Heart Association | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness
Today's episode is an exciting one as we dive into the staples of the Forged Diet! Listen in on Alec's habits and regiments as a professional athlete in the NFL. What are some of his Do's and Don't's? What about his favorite meal back home? Feed your nutrition side and welcome back to the Forged Ingold Podcast!If you like the show please subscribe and leave a 5 star rating - that and texting it to a friend are the easiest ways you can help us grow. Follow the podcast on Instagram: @ForgedIngold and email the show at forgedingoldpodcast@gmail.comAlec Ingold is an author, speaker, philanthropist, and professional football player. Learn more at alecingold.com
Ever wondered how independent filmmakers create high-production value films on tight budgets? Join us as director Emelie Claxton and producer Cindy Allen reveal the ingenious strategies that transformed their short film "Doggone" from an impossible dream into a festival success story. From raising an impressive amount through crowdfunding to turning one movie theater into six different filming locations, they share the practical wisdom they gained along their filmmaking journey.This episode unpacks the power of collaboration, the importance of hiring specialists rather than doing everything yourself, and the game-changing "big board" technique that kept everyone on set informed and aligned. You'll hear how breaking traditional filmmaking rules, rekindling old friendships for fundraising, and trusting in specialized talent created a film that audiences are falling in love with at festivals.Whether you're an actor, filmmaker, or film enthusiast, this conversation offers valuable insights into maximizing resources and creating meaningful stories that connect with audiences. Don't miss their final inspiring advice: "Don't say no to yourself."0:00 Intro and teaser about on-set chef0:17 Podcast introduction0:54 Welcome and host introductions1:28 Meeting special guests Emelie and Cindy2:32 Discussing the short film "Doggone"3:36 Missing Poland trip for the film shoot5:06 The luxury of having a chef on set6:40 What is Doggone about?8:58 Breaking filmmaking rules10:10 Crowdfunding campaign success14:00 The secret to successful crowdfunding19:22 Republic: equity-based crowdfunding alternative24:00 The big board that changed everything27:19 Maximizing production value29:19 Using one movie theater for six locations33:20 The importance of hiring specialists36:26 Audience response to the film39:29 What's next for the filmmakers42:20 Final advice: "Don't say no to yourself"43:16 Where to watch DoggoneSend us a textFor our listeners, CFA's teamed up with We Make Movies to get you a discount on production management services, including access to comprehensive production insurance and workers' comp for your next shoot. Visit wemakemovies.org/insurance and use code CFA23 on your intake form for 10% off your quote.Calling all actors! Take 25% off your membership at WeAudition with code: CFA25 Website: www.cinematographyforactors.com Instagram: https://www.instagram.com/cinematographyforactors TikTok: https://www.tiktok.com/@cinematographyforactors Cinematography for Actors is a community aimed at bridging the gap between talent & crew through our weekly podcast & community events. Our weekly show supports the filmmaking community through transparent, honest & technically focused interviews with the goal of elevating the art of effective storytelling.
The dealership space is a bit of an untapped resource in commercial real estate. But property and real estate matters are crucial areas for dealers to watch. That's where Ned Hennessey and the team at Surmount come into play. Surmount is a full-service commercial real estate platform and said it's the only one focused exclusively on auto dealers. Hennessey and his team run the real estate capital markets and advisory programs for several of the top franchised & independent dealers across the country. He joins the Auto Remarketing Podcast to discuss what dealers should be mindful of in property leases, the potential benefits and considerations for sale-leasebacks and what macro trends auto retail should be watching.
We celebrated our School of Leadership graduate, and Pastor Peter and Pastor Jessica shared 5 principles to develop people and maximize your impact.
Bobby Burton is joined by Coach Bryan Erwin to discuss maximizing fall camp, the 2025 season & more!
In this episode of Five Minute Friday, we're continuing our Know Your Numbers series by unpacking one of the most overlooked but critical metrics in retail: Initial Markup (IMU). Your IMU isn't just a pricing formula—it's your profit ceiling. And if you're not tracking it monthly, you could be limiting your growth without even realizing it.
If four things are followed – having a great aim, acquiring knowledge, hard work, and perseverance – then anything can be achieved. – A. P. J. Abdul Kalam Received today's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin, as well as our Trade Execution Instructions by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: “The Secret for Maximizing the Monday Effect." If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!” and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text “chartingwealth” to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.
In this part 2 of his conversation with Kiera, Morgan Hamon, co-founder and president of EAG Dental Advisors, talks about the action items doctors must commit to to stay financially savvy. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:01) Hello, Dental A Team listeners, this is Kiera, and this is part two with me and Morgan Hamon as part of EAG Dentist Advisors, where we're actually gonna talk into the tax psychology and the tax strategies and the tax tips. And I really just feel like this episode is so powerful. And as always, thanks for listening, and I'll catch you next time on the Dental A Team Podcast. Morgan Hamon (00:22) But no, you got to do the stuff. So if your accountant tells you, look, take a board meeting, document it properly, there's a proper way to do it, you got to do it. That's how we say the proper legal avoidance. your account comes to you and says, look, it's time to be an S-Corp, Kiera Dent (00:30) Mm-hmm. Morgan Hamon (00:39) because the profit is appropriate, you gotta follow the instruction. There's a procedure there and it's gonna save a lot of money on self-employment payroll tax if it's done correctly. You gotta listen, but you gotta engage. There's action items. And so we, ⁓ every September, I made a checklist. You know, again, Navy guy, right? I got a checklist. Log in, do the checklist. I call it our business tax savings maximizer. That's the flashiest, catchiest name I could think of. But like, log in and do it. That's the secret. Kiera Dent (00:58) I love it. you Morgan Hamon (01:08) So, you know, for those listeners that waiting for the secret, that's it, right? We got to capture expenses as business deductions and there is action items for the doctor. It requires that engagement. And to circle back to where what you said earlier, like you can't come into the office and just fix it for them. They've got responsibilities on things to do too and that's the same with tax policy. Kiera Dent (01:31) I thought that was such a beautiful way. And as you were going through the phases of grief, I'm like, oh yeah, I definitely lived all of those. And I think it does feel like a kick in the gut. like, this is worse than finding out like coal in your stocking Christmas morning. Like it's way worse. Like it feels awful. And you're in total denial that like, how is this even real? Like I live in America. Like, how is this real? I didn't know. And I mean, then you put on your state tax on there. And I'm like, for people who are in California, Morgan Hamon (01:39) Mm-hmm. Mm-hmm. Mm-hmm. Mm-hmm Mm-hmm. Kiera Dent (02:00) Like more than 50 % of your income could be going to tax pending upon your tax bracket. But I think Morgan is one of those things of also seeing, I know people don't want to hear, I'm going to be very unpopular right here and it's okay. It will like, you'll be in denial, you'll hate it. And then you'll be like, yeah, that's actually a really good point. Cause that's how I did it. Like taxes are a blessing though. Like we, we are so blessed to live in the country we are to be able to set the pricing that we want, to be able to do the work that we want to do that. like, I don't want to pay more taxes. Morgan Hamon (02:12) you Mm-hmm. Kiera Dent (02:28) but I can see me paying taxes as like my opportunity to be here and to be a business owner. And I think that's an amazing thing that we do get to have access to. But like you said, shoot guys, this is where the discipline comes in. This is where the engagement comes in. This is where the ownership comes in. I remember where I should like, I'll send you a picture. My husband and made this like vision board together, cause every December I would cry over taxes. And one of my goals, literally has like, it's a sign that says tax expert ahead. Morgan Hamon (02:33) Mm-hmm. Mm-hmm. Mm-hmm. Kiera Dent (02:57) And I put that on my vision board because I'm I'm sick of this stupid stuff. I'm sick of Morgan telling me I owe this much money when I'm like, how is it even possible? I was like, I'm going to freaking figure this out. And I realized like, it's actually not that hard of a math equation. It's like, what is my profit that I get that month? What's my tax bracket? And let me go save that. Morgan Hamon (03:00) Thank you. Mm-hmm. Kiera Dent (03:16) pay your quarterly tax payments. And then what I love is when, cause I put myself in the highest tax bracket, some years I'm going to be a little bit higher, some years I'm going be a little bit lower, like it's going to flush out. But if I'm saving my max amount that I would be having to pay in taxes every single month, I'm like, it's not that hard. Like you literally just take it, put it in a savings account, I put it in a high yield, so I'm even making money on it there. What's amazing is at the end of the year, I get my W2, Morgan Hamon (03:32) Mm-hmm. Kiera Dent (03:41) like refund, if you will, because we realize I have over-saved throughout the year. I also put in there like buckets, because I realized for me, Morgan, it wasn't just the tax that was hitting me. It was the SEP IRA that I had to pay. It was charitable contributions I was paying. It was end of year bonuses. And all of that, it's not taxes. I think you get hit with all of those at the end of the year. It's like you're trying to put these, then you've got your Roth IRA that you're trying to like put those in. And it's like all these things are money and it's all accumulating at one time. Morgan Hamon (03:43) Mm-hmm. Okay. Kiera Dent (04:11) versus figuring out how much you really are gonna pay, breaking it down into buckets, saving for it, and then I love it. My money at the end of the year, whatever I don't pay in taxes, because yeah, it's a big number, whatever, you're just going to pay it. That's part of having an amazing, thriving business. But then my slush because I over-saved, that becomes my refund, that becomes Keira's money of like, sweet, what are we gonna do on this because I've already paid tax. Now I can take that. Morgan Hamon (04:14) Mm-hmm. Mm-hmm. Mm-hmm. Mm-hmm. Kiera Dent (04:37) Now I can go buy the things I want to buy. can put it in retire. I can put it wherever I want it to go. ⁓ but I have it to our peace of mind. When I get my, like this year, my CPA can be like, wow, Kara, you like, you have this. And I was like, rock on. Like you're not stressed about it, but that takes discipline every month. I'm literally like, Hey, how much do we have put that profit over in our savings every quarter? You're making those quarterly payments. ⁓ it is being strategic. is like. Morgan Hamon (04:52) Mm-hmm. Mm-hmm. Kiera Dent (05:06) You were on a call the other day with some of our doctors and like, so Kiera, how like there are you when you do your meetings at your house? And I'm like, I crossed my T's down my eyes. I don't like this game. Like I do Airbnb. I look at all my rental comps around me. I saved that every year. It's in a folder. All the things are in the calendar with me and the other people. I have an agenda. I send that over to my CPA. I just don't like to play in the game of gray. But I think those are the pieces that help you. And then you just maximize. Morgan Hamon (05:16) Thank you. Mm-hmm. Kiera Dent (05:34) But Morgan, I don't know. think I've just learned that's also part of the success tax of being successful. Like this is what it is. And I think that being a business owner, the discipline of saving your money and not spending it all because we think like, should get this cause I'm a high earner. No, like there's still tax games that we play. There's different ways to minimize it. But realizing like I need to be disciplined here. I think if you can be disciplined there, it also stems to your team. It stems to your leadership. It stems to your physical health. Morgan Hamon (05:39) It is. Mm-hmm. Mm-hmm. Kiera Dent (06:04) It stems through so many other areas in your life that I think like talk about a blessing of taxes that we actually get this benefit. Morgan Hamon (06:07) Yes. It, I agree. And you do have to be, you do have to be disciplined. I know. I know. I also, I'll share a personal, I'll share a personal experience and kind of how I view tax because I very happily write those checks. You know, I write the same ones as our doctors do, but so back when I got out of the Navy, my family and I, so my parents, my brother and myself, we all chipped in and bought a real estate company. Kiera Dent (06:13) Even though I hate it, Morgan, don't take me wrong. I still hate taxes. Morgan, tell me the secrets. Morgan Hamon (06:36) back in 2005, real estate was happening. It was all in, all chips on the table. Well, guess what? 2009, everyone remember what happened in 2009? So, I mean, it was bad. It was horrific. 2009, my tax bill was zero. Zero. But do you think I was coming home saying, honey, look at this, zero, woohoo, check this out. I got no tax. Kiera Dent (07:04) day. Morgan Hamon (07:05) No, I'm sitting in a room and looking at the wall like how am going to face my kids telling them dad can't keep a roof over their head? How did my life get this screwed up? I paid no income tax, but those are not good times. That's not a period. And so right after that is when my dad and I started HD Accounting Group. But those days were like not my fondest memories even though I had zero tax liability. Fast forward a bunch of years, I've enjoyed a lot of success and I write some big checks to the government and I don't care. My life is so much better. got kids college paid for, no debt. My life is good. And yeah, they are some big checks. I mean, let's face it, they're not my favorite things to write. Nobody likes it. But my life is just exponentially better. So when you're paying tax, you're making good money. I don't know, maybe boil it down to that. Kiera Dent (07:55) I would agree with you. which thank you for sharing because I think we, I agree. I don't want to have a year where I'm paying $0 to taxes. Cause that means that when you said zero and I'm like, we had a bad year. That's like a real bad year. Like as a business owner, you start to realize like that actually is not a good year. ⁓ But I think for that, ⁓ it's the discipline. And I found for me what's cut the stress out as an employer and as a business owner, not CPA, that's Morgan the world. That's not my world is when I have Morgan Hamon (08:09) That's... ⁓ And now... Kiera Dent (08:28) money and I'm disciplined and I save it because you still have profit afterwards. So it's not like you're not taking anything home every month. You're just being disciplined that that money for tax you save then I have the money and I'm like the pain I think comes from not having the money and the fear of where am I going to come up with the six figures when I've already spent it. I think that's more of why people hate taxes just like people hate root canals. They don't actually hate the root canal. They hate the pain leading up to it. We hate the pain of not having the money set aside. Morgan Hamon (08:33) Mm-hmm. Mm-hmm. Yeah. Yes Well. Exactly. And let's tie this real specifically to the world you and I serve, our dentists. What really creates a lot of confusion and adds to the emotion is that, most of our clients have a practice note, a big one. And they don't always realize, look, when you make your loan payment, that is not a tax deduction, right? Kiera Dent (09:22) not just Morgan Hamon (09:22) When you borrow the money, we deduct everything you're going to buy, but then over time when you pay that back, you don't get it deducted again. So if your debt service on your practice loan is $100,000 a year, which we see often, you're paying income tax on it. So if you made $500,000 and $100,000 went back to the bank, you're living on $400,000 but paying tax on $500,000. And that is That can be shocking and that's why you'll hear, and that applies to just both financial accounting and tax, that question of, my accountant said I made this much money. That can't possibly be the case. I just logged into the bank. What are they talking about? It's that debt service. That money's gone, but it's not a deduction. The other thing that makes it, any tax planning for dentist challenging is just the volatility in the month to month profit. And I think there's a misperception out there, hey, look, my accountant is keeping my books up to date every month, right? And so if we get to the end of, let's say the end of September, and we can, hey, September 30, this is the exact profit, that does not equate to a granular, precise tax calculation because we have to, all your tax rate is dependent on total annual household income. If there's four months in the year that haven't happened yet, we gotta, Kiera Dent (10:16) Amen. Morgan Hamon (10:46) We got to estimate and it's subject to change. Maybe they were struggling in May and they said, you know, I'm calling Kiera, fine, I'm going to do it. We're going to get this thing figured out. And so then by November, they're killing it and everything's up 30%, 40%. Well, guess what's also going to be up? Your estimated payments are going to be higher, right? And so it's volatile. and it's not an exact science. with any tax planning, those quarter estimated payments are trying to keep you in the hunt. And you alluded to that by having your buckets. Just realize there will be a settle up at the end of the year when it all fleshes out, because all we can do is estimate along the way. Try to keep it as close as we can. But I'm with you. I make those payments quarterly. I don't put my head in the sand because it'll just get bigger. Kiera Dent (11:33) Well, I'm curious, Morgan, this is like Kara's nerdy side of me that I don't understand. So help me. And I hope this comes across respectful of the CPA world. To me, I feel like why don't CPAs at the end of every month, you know my profit, you know what I did that month. So yes, there's the estimated, but why not just give me like, the only thing I've thought of is maybe my tax bracket could change, but I'm like, why not estimate every month approximately what I need to save for taxes? Morgan Hamon (11:43) Mm-hmm. Mm-hmm. Mm-hmm. Mm-hmm. Mm-hmm. Kiera Dent (12:03) So I can at least put that away monthly. Help me understand the psychology of that, because I don't. Morgan Hamon (12:06) So, oh, trust me, we've thought about this every which way. And I'm never done. I tweak our tax planning process every year. So to your point, like you could look at last year's tax return. So there's two figures to look at. There's your marginal tax rate, which is your whatever bracket, your highest, so the highest of 37. But then there's what's called an effective, and that's just the average, right? If you look at total income and total tax, what's the average? So you could look at your last year's tax return and maybe your combined federal and state income tax was, call it 30%. So you could say, whatever my profit is times 0.3 is what I had to put away. So you could do that, but that's inherently going to be inaccurate. because you will not have the same effective tax rate this year unless you have like a carbon copy and it'll be different. A lot of volatility. The other thing, it's a very equipment heavy industry as you know, and people do go buy equipment. And so if we, if say an accountant says, put whatever your profit is times 0.3, put that away, but then they get in and maybe they really do. Maybe their practice was... ⁓ Kiera Dent (13:20) Mm-hmm. Morgan Hamon (13:31) you know, plum for eight ops, but they're equipped for five and it's time to fit those other three. Well, that's some really nice tax deductions there, like dollar for dollar. Well, that's really going to come down. And so that estimate's going to be out the window, like really quickly. You know, we've had times where I think of this story, something you don't tell stories. We had a client, this was a few years back, where they sent us an invoice. I can't remember what they bought. Kiera Dent (13:38) and Morgan Hamon (14:00) It was big, right? It was $120,000. They sent an invoice, not an email like I'm thinking about this. They sent an invoice. So we booked it. 120K deduction, did the tax plan, the works. Well, it comes time to do the tax return. And we're saying, hey, we keep asking for the loan paperwork on this claim. We don't get it. So finally, hey, look, we really want to get this tax return done. Can you send us that loan paperwork? And he's like, oh, I changed my mind. I didn't buy that. And we're like, oh, let's put 120K of income back on top. You owe, I think it was like 40,000. And they're like, how can this be? I'm like, you sent us an invoice. Think how mad you'd be if we hadn't booked it. And I just tell that kind of story. Like equipment purchases in Q4, it's all out the window at that Kiera Dent (14:37) Bye. Yeah. Yeah! Mm-hmm. Mm-hmm. Morgan Hamon (14:58) So it's very volatile. So to kind of circle all way back to the beginning, just for some basic tax planning, I knew for me, like federal and effective, it's like 35%. And I just planned for that. And then there's a settle up. And if I owe a bit, it's because we killed it. And I need to actually celebrate that and not be cranky about it. And if I get some money back, maybe, Kiera Dent (15:13) Mm-hmm. you Morgan Hamon (15:27) Maybe it just didn't end up as good as I thought or whatever. We're accountants. We don't have like, Xerox machines to write off. I got like a laptop. So, I mean, we're kind of limited on that. So, ⁓ those are some limitations inherent in tax planning for specific for the dental industry, the volatility and month-to-month profit and the high amount of equipment that's involved, which involves some instantaneous significant tax deductions. Kiera Dent (15:32) Right. and Sure, no, that makes sense. And I think for me, it's always like, okay, there's profit, there's expenses. ⁓ If I'm gonna go use that money for expenses, then I'm going to take my tax amount. So obviously it's going to reduce my tax bill by that dollar amount. I can actually pull portions out of that money I've saved to pay for my equipment potentially if I need to. But just curious on that, because I've always, I'm like, it's a simple equation. Here's my profit. This is how much my tax bracket probably is. But also maybe you guys don't want them saving more than they need to because then people get angry. Morgan Hamon (16:01) Mm-hmm. Mm-hmm. Mm-hmm. The truth. Yeah. Well, people, it can get emotional either way, right? If they get a big refund, they're like, wait a minute, I could have had this in my high yield savings account. So we really do try to keep it as close as we can given the constraints of this kind three-dimensional moving target. What I have told doctors in the past, if we think about, let's say they've got an S-Corp, so on a reasonable W2, we got some holding through that W2, but they should still be taking the majority of the money home via profit distribution, okay? Kiera Dent (16:26) that Exactly. Morgan Hamon (16:53) Have a look at last year's tax return. If you don't know how to find it, let us know. Keep it simple. If it's 30 % or 20, it's 28 points, okay, round it to 30. What I think every business owner should do, okay, at the end of the month or quarter, however often you want to do it, you look at how much money has accumulated in the operating account, what is my chosen desired minimum cash reserve, and whatever has accumulated, distribute it. Kiera Dent (17:06) Mm-hmm. Mm-hmm. Morgan Hamon (17:24) And take, let's say there's $20,000 extra in there, right? And let's just say your effective rate's a third of that. Well, take six or 7,000 and just put it in, like you said, Kiera, your savings bucket. And then save that so then when your accountant says, hey, it's time for your Q3 payment, you tap that money. And I think that's just a simple thing that... Kiera Dent (17:42) Mm-hmm. Morgan Hamon (17:53) habit you could get into, for me personally in our business, we always did that quarterly. And we'd take a distribution quarterly and I would just lop off the top, put it away and treat it like I had never had this and I would send it right off to the government. And that way I wasn't playing catch up so much. In the accounting world, I don't quite have the volatility that dentists have, but it's still, that habit pattern. It's that discipline of doing it. Kiera Dent (18:20) Mm-hmm. Mm-hmm. Yeah. No, that's super helpful. And Morgan, this is why I love to talk about it. Because it's like, hey, how can I refine? As we were talking about on that leadership, how can I refine? How can I make this just a little bit better? How can I learn a little bit more of the nuggets? How can I be smarter on my prep work for me emotionally? Because some people are just fine. They'll just like, I have a million buckets. I love my buckets. I love to know what this money is saved for. Morgan Hamon (18:42) Hehehe. Kiera Dent (18:45) My financial advisor teases me, my CPA teases me. I'm okay with it because I'm like, sweet, I know how much money I've got here. I know what I can buy here. My husband loves like just one big fund. And I'm like, but then how do know how much I can spend? Like I don't want to overspend or underspend. So everyone's different. So things are just going through it. Things are the psychology of it, the tax planning pieces, how the leadership and profitability connect to each other. Morgan, you guys are such an incredible CPA firm. I love that you're specifically only dentists. I tried to have you guys work with me you said, no, I'm not a dentist. So Morgan Hamon (18:51) Mm-hmm. You huh. Kiera Dent (19:14) I love that you are so niche. It was great, I loved it. But if people are curious, how do they work with you? What are kind of the broad services that people could see working with you guys that you guys do and how they can connect with you? Morgan Hamon (19:24) So our mission has always been and will continue to be supporting doctors by providing them the monthly accounting for their practice, providing practice profitability analysis reports and specific advising and tax planning ⁓ just for doctors. ⁓ If you want to check us out, is EAGDentalAdvisors.com is our website. ⁓ Or just email me reach out to me Morgan.Hamon@EisnerAmper.com My business partner Cortney and I we do all initial consultations personally It's always been that way I love to meet new doctors learn about their situation tell them about what we do See if you see if it could be a good fit, but that's how folks would could go out and find us Kiera Dent (20:09) Well guys, we have a lot of clients that work with Morgan. I think he's incredible. I love what you guys are doing. Morgan, it was always a fun time. Thanks for kicking it off with Top Gun, ending with like tack strategy. Thanks for sharing some of the tips. But truly super honored to work with you and love what you guys are doing for dentists out there. Morgan Hamon (20:19) Alright. Kiera, I always enjoy our visits and look forward to each one. So I appreciate you having me. I really enjoyed it. Kiera Dent (20:31) course. And for all of you listening, thank you for listening and I'll catch you next time on The Dental A Team podcast.
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