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Ben & Woods start the 8am hour by talking about some of their favorite boardgames to play when they were younger, after we saw Dylan Cease boarding the team bus on Sunday with a Monopoly game in his hands? Then we play today's game of Take On Woods before the guys discuss when Xander Bogaerts may return to the Padres lineup, and we have an update on the team's television deal. Listen here!
The Daly Migs Download is here! Don't play Taryn in Monopoly!
A major antitrust ruling leaves Google with Chrome intact but requires limited data sharing with competitors, while Apple continues to benefit from billions in Google search placement payments. The panel of Chuck Joiner, David Ginsburg, Eric Bolden, Jim Rea, Jeff Gamet, Marty Jencius, and Mark Fuccio debates whether remedies punish innovation, investor reactions to the news, and privacy issues around smart TVs with AI assistants. They close with lighter takes on Clippy's unlikely return as a protest symbol. This MacVoices is supported by OpenCase. MagSafe Perfected. Use the code “macvoices” to save 10% at TheOpenCase.com Show Notes: Chapters: [0:00] Google avoids breakup in antitrust ruling [1:30] Chrome stays, concessions required [2:30] Apple keeps billions from Google search deal [3:50] Investor reaction and stock impact [5:10] Broader antitrust implications [7:40] DOJ and Google appeals expected [10:00] Data sharing debate: free vs. fee [14:15] DOJ concerns over GenAI and search [15:40] Copilot AI blob arrives on Samsung TVs [17:25] Comparing AI assistants on Apple TV vs smart TVs [19:15] Privacy risks of AI-driven TVs [23:05] Second screen vs locked-in TV use [26:00] Clippy's return as protest icon [30:20] Panel sign-offs and closing Links: Microsoft Copilot is now a talking blob on Samsung TVshttps://www.engadget.com/ai/microsoft-copilot-is-now-a-talking-blob-on-samsung-tvs-204115199.html Clippy Is Back As A Mascot For Big Tech Protestshttps://www.fastcompany.com/91387927/clippy-is-back-as-a-mascot-for-big-tech-protests Guests: Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. Jeff Gamet is a technology blogger, podcaster, author, and public speaker. Previously, he was The Mac Observer's Managing Editor, and the TextExpander Evangelist for Smile. He has presented at Macworld Expo, RSA Conference, several WordCamp events, along with many other conferences. You can find him on several podcasts such as The Mac Show, The Big Show, MacVoices, Mac OS Ken, This Week in iOS, and more. Jeff is easy to find on social media as @jgamet on Twitter and Instagram, jeffgamet on LinkedIn., @jgamet@mastodon.social on Mastodon, and on his YouTube Channel at YouTube.com/jgamet. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support: Become a MacVoices Patron on Patreon http://patreon.com/macvoices Enjoy this episode? Make a one-time donation with PayPal Connect: Web: http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner http://www.twitter.com/macvoices Mastodon: https://mastodon.cloud/@chuckjoiner Facebook: http://www.facebook.com/chuck.joiner MacVoices Page on Facebook: http://www.facebook.com/macvoices/ MacVoices Group on Facebook: http://www.facebook.com/groups/macvoice LinkedIn: https://www.linkedin.com/in/chuckjoiner/ Instagram: https://www.instagram.com/chuckjoiner/ Subscribe: Audio in iTunes Video in iTunes Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss Video: http://www.macvoices.com/rss/macvoicesvideorss
On today's podcast episode, we discuss the top takeaways from the Google monopoly verdict, how the rise of AI search influenced the decision, and how much this ruling has any bearing on the Google ad tech case. Join Senior Director of Podcasts and host, Marcus Johnson, and Senior Director of Briefings, Jeremy Goldman, and Principal Analyst, Yory Wurmser. Listen everywhere and watch on YouTube and Spotify. To learn more about our research and get access to PRO+, go to EMARKETER.com Follow us on Instagram at: https://www.instagram.com/emarketer/ For sponsorship opportunities, contact us: advertising@emarketer.com For more information, visit: https://www.emarketer.com/advertise/ Have questions or just want to say hi? Drop us a line at podcast@emarketer.com For a transcript of this episode, click here: https://www.emarketer.com/content/podcast-takeaways-google-monopoly-verdict-what-comes-next-behind-numbers © 2025 EMARKETER DG Media Network connects advertisers to rural customers at scale, with 90MM+ reachable shoppers. Our unique reach provides access to hard to reach customers that aren't found in the largest demographic audiences available to marketers. Leverage our unique first-party data to expand your reach and meet our customers wherever they are with omni-channel solutions designed to engage and measure results with closed-loop, one-to-one data and self-service access. Our robust media portfolio spans in-store, on-site & off-site tactics across the full funnel. Our platform enables even more ways to add value to shoppers on their purchase journey that drives brand equity and sales growth. Unique reach, at scale, across 20+ tactics and platforms. That's media built better! Connect with us to learn more about how we're changing omnichannel advertising. https://www.dgmedianetwork.com/
Welcome to another episode of Movie Torture, where Brad and Hannah start the show by missing Jacob who is still on assignment. This week they dive into the cinematic masterpiece that is Young Guns 2. Join Brad and the First Lady of Movie Torture as they dissect why Emilio Estevez playing a 70-year-old Billy the Kid is the sequel we never knew we needed. Spoiler: It's not.Highlights:Brad's nostalgia trip: "I watched this movie hundreds of times as a kid... mostly for the butt scene." The First Lady's revelation: "I didn't even know there was a Young Guns 1. Who knew?" A deep dive into the movie's budget: "How did this cost only $20 million? Did they pay the actors in Monopoly money?" The riveting debate: Is Young Guns 2 better than The Cowboy Way? Spoiler: Brad thinks so, but the First Lady has other thoughts.Hashtags: #MovieTorture #YoungGuns2 #NostalgiaTrip #CinemaGold #SarcasmCentralCheckout the new Hopecast website:https://thehopecastnetwork.com/Follow Movie Torture here:https://www.instagram.com/movietorturepod/Buy Merch here:https://www.bonfire.com/store/the-hopecast-network-swag/This show is brought to you by The Hopecast Networkhttps://www.instagram.com/hopecastnetwork/
The SPX and NDX both hit new record highs on the week's first session ahead of a highly anticipated FOMC interest rate decision. The Mag 7 led trading action, from Nvidia's (NVDA) latest headwinds to China, Elon Musk's $1 billion purchase of Tesla (TSLA) shares, and Alphabet's (GOOGL) market cap milestone. Marley Kayden takes investors through the biggest stories of the session.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about
Stock market update for September 15, 2025.
Handel on the Law. Marginal Legal Advice.
In This Episode of the Build Show Podcast, Matt Risinger continues his conversation with second-generation builder Peter Scott in part two of their discussion. This time, the focus shifts to the Build Show Live House in Dallas, where Peter walks through the framing process, building science details, and new systems being implemented in the project. From first-time experiences with monopoly framing to exterior insulation, HVAC strategies, and the upcoming Build Show Live event, Matt and Peter dig into the technical side of what makes this showcase home unique.Huge thanks to our episode sponsor, Huber. Find out more at: https://www.huberwood.comFollow Peter on instagram: https://www.instagram.com/jimscottandsons/ Save the Date for Build Show LIVE 2025 in Dallas, TX: October 16-18, 2025!Don't miss a single episode of Build Show content. Sign up for our newsletter.
The board game “Clue” originated in the 1940s as “Cluedo” overseas and was later brought to the U.S. by Parker Brothers. Now owned by Hasbro, it has inspired many spin-offs, including a TV show, themed editions like the “Simpsons” version, and a VCR game. Alongside classics like “Monopoly,” “Cranium,” “The Game of Life,” “Sorry!,” and “Mouse Trap,” as well as junior games like “Candyland” and “Chutes and Ladders,” “Clue” has stood the test of time. Turning “Clue” into a movie was inevitable. Was it a big hit? Not really. But it was fun! Grab your weapon, meet at the Hill House, and watch out when the lights go out, as Tim Williams, along with co-hosts Gerry D, Chris McMichen & Laramy Wells, discuss “Clue” (1985) on this episode of the 80s Flick Flashback! Here are some additional behind-the-scenes trivia we were unable to cover in this episode:During breaks on set, some actors played pool at the billiards table. Lesley Ann Warren couldn't join in because she wore a very tight corset that limited her movement. During these breaks, she would find spots to lean on and rest.Leslie Ann Warren, Christopher Lloyd, and Martin Mull reunited to parody the movie in the Psych episode, "100 Clues".Sources:Wikipedia, IMDB, BoxOfficeMojohttps://screenrant.com/clue-unknown-facts-trivia-filming/https://www.hollywoodintoto.com/clue-review-1985/Some sections were composed by ChatGPTWe'd love to hear your thoughts on our podcast! You can share your feedback with us via email or social media.Website - https://www.80sflickflashback.com/TeePublic Store - https://www.teepublic.com/user/eighties-flick-flashbackBuy Me A Coffee - https://buymeacoffee.com/80sflickfbFacebook - https://www.facebook.com/80sflickflashbackpodcastInstagram - https://www.instagram.com/80sflickflashback/TikTok - https://www.tiktok.com/@80sflickflashbackEmail - Info@80sFlickFlashback.com
Alyson and Breht critically engage with the concept of "technofeudalism" from a Marxist (and thus historical materialist) perspective, analyzing its origin and recent popularity, critiquing its depoloyment and the implication that it represents a "new mode of production", explaining related concepts like rent-seeking, discussing the role of private equity in the modern American economy, the politics of Yanis Varoufakis, and much, much more. Support Rev Left and get access to bonus episodes: www.patreon.com/revleftradio Make a one-time donation to Rev Left at BuyMeACoffee.com/revleftradio Follow, Subscribe, & Learn more about Rev Left Radio: https://revleftradio.com/
Alyson and Breht critically engage with the concept of "technofeudalism" from a Marxist (and thus historical materialist) perspective, analyzing its origin and recent popularity, critiquing its depoloyment and the implication that it represents a "new mode of production", explaining related concepts like rent-seeking, discussing the role of private equity in the modern American economy, the politics of Yanis Varoufakis, and much, much more. Private Equity Explainer HERE Learn more and support Red Menace: https://revleftradio.com/
GOOGLE'S MONOPOLY-AI THREAT- KATHERINE ALBRECHT
The NIA boys discuss the Google Monopoly Ruling, Sam Altman's WorldCoin & The New iPhonesTimestamps:(00:00:00) - Intro(00:02:47) - Google Monopoly Ruling(00:32:33) - Sam Altman's WorldCoin(00:43:28) - The New iPhonesWhat Is Not Investment Advice?Every week, Jack Butcher, Bilal Zaidi & Trung Phan discuss what they're finding on the edges of the internet + the latest in business, technology and memes.Subscribe + listen on your fav podcast app:Apple: https://pod.link/notadvicepod.appleSpotify: https://pod.link/notadvicepod.spotifyOthers: https://pod.link/notadvicepodListen into our group chat on Telegram:https://t.me/notinvestmentadviceLet us know what you think on Twitter:http://twitter.com/bzaidihttp://twitter.com/trungtphanhttp://twitter.com/jackbutcherhttp://twitter.com/niapodcast Hosted on Acast. See acast.com/privacy for more information.
Does Jesus have a problem with personal hygiene? Why? What does Monopoly money have to do with it? Join me and Scott as we sort through it all.
In today's MadTech Daily, Dot discusses PubMatic suing Google over its advertising monopoly, Magnite acquiring streamr.ai, and YouTube breaking its live-stream record with an NFL game.
In this episode, we pull back the curtain on one of the FBI's dirtiest traditions: illegally seizing evidence that embarrasses Democrats and burying it to protect the party's narrative. From the Orlando nightclub jihadist who pledged allegiance to ISIS on a 911 call, to transgender shooter Audrey Hale whose manifesto read like a DNC press release, the FBI has repeatedly broken Freedom of Information Act law—stealing tapes, suppressing documents, and even spreading lies to cover their tracks. Why? Because the truth is politically inconvenient. The Orlando jihadist wasn't a spurned lover—he was a terrorist. Audrey Hale didn't just lash out randomly—she targeted Christians and listed Donald Trump on her kill sheet. Those facts mattered. Those facts would have shifted public opinion. And so, the FBI buried them. Again and again. But here's the breaking point: they can't control the narrative anymore. The brutal murder of Ukrainian immigrant Irina Zorutska in Charlotte has proven that. For the first time, social media amplified the truth so loudly that legacy media couldn't bury it. The establishment tried—the big networks blacked it out—but the video went viral anyway. Elon Musk, Charlie Kirk, Trump-aligned influencers, and millions of ordinary Americans forced it into the spotlight. And now? The media class is panicking. CNN's Brian Stelter raged on air that conservatives were able to set the agenda, bypassing the gatekeepers. He admitted that Trump himself learned about the case through social media—not through the networks. That's the real story: the left has lost its monopoly on information.
In this episode, we pull back the curtain on one of the FBI's dirtiest traditions: illegally seizing evidence that embarrasses Democrats and burying it to protect the party's narrative. From the Orlando nightclub jihadist who pledged allegiance to ISIS on a 911 call, to transgender shooter Audrey Hale whose manifesto read like a DNC press release, the FBI has repeatedly broken Freedom of Information Act law—stealing tapes, suppressing documents, and even spreading lies to cover their tracks. Why? Because the truth is politically inconvenient. The Orlando jihadist wasn't a spurned lover—he was a terrorist. Audrey Hale didn't just lash out randomly—she targeted Christians and listed Donald Trump on her kill sheet. Those facts mattered. Those facts would have shifted public opinion. And so, the FBI buried them. Again and again. But here's the breaking point: they can't control the narrative anymore. The brutal murder of Ukrainian immigrant Irina Zorutska in Charlotte has proven that. For the first time, social media amplified the truth so loudly that legacy media couldn't bury it. The establishment tried—the big networks blacked it out—but the video went viral anyway. Elon Musk, Charlie Kirk, Trump-aligned influencers, and millions of ordinary Americans forced it into the spotlight. And now? The media class is panicking. CNN's Brian Stelter raged on air that conservatives were able to set the agenda, bypassing the gatekeepers. He admitted that Trump himself learned about the case through social media—not through the networks. That's the real story: the left has lost its monopoly on information.
Forcing business to bow to non-objective laws violates America's individualist ideals.
This week on Marketing O'Clock: Google's Monopoly won't be broken up, but the company is required to share search data. Also, Microsoft Advertising is rolling out holiday insights and new PMax tools. Plus, Meta will soon enable users to exclude terms from AI copy outputs.Visit us at - https://marketingoclock.com/
Hutch comes in bearing gifts; one of which is an absolute homerun!You can hear Staci & Hutch LIVE 2-7pm on 94.5 KS95!!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
On the eve of Microstrategy potentially being added to the S&P 500 NASDAQ makes an interesting clarification - is this an attack on Michael Saylor or something more?
Handel on the Law. Marginal Legal Advice.Handel handles getting "quiet fired," fighting traffic tickets... and winning, and employers not making payroll.He doesn't handle them well, but hey... you didn't come here for accurate legal advice, now did you?
PNR: This Old Marketing | Content Marketing with Joe Pulizzi and Robert Rose
The marketing news of the week: A federal judge has ordered a shakeup of Google's search engine. Some call it a slap on the wrist, but it's clear even the courts see Google's dominance slipping. With AI search and new competitors on the rise, will Google's empire burn down? -- Judge orders search shakeup in Google monopoly case | PBS News Meanwhile, the so-called “marketing AI boom” is running headfirst into a crisis of customer trust. But do people really care about privacy, or is it just talk? Joe and Robert debate whether it matters at all. -- Marketing AI boom faces crisis of consumer trust Winners and Losers: Creators landing SNL deals (Creators Take Over SNL
The average insurance-based medical practice earns about 3% profit annually, if they're lucky. This is because insurance companies set the prices doctors can charge. Doctors spend years in medical school only to find that they can't earn a good living or be their own boss. They face unpredictable income, insurance hassles, rising expenses, and 80-hour workweeks. Matthew Gillogly is the Founder and CEO of Mavrix, a company that helps doctors regain control of their lives while earning a living they can be proud of. Key Takeaways To Tune In For: (01:57) - The Broken Healthcare System (08:05) - Monopoly of Healthcare (21:20) - Liberating Doctors, Improving Health (35:50) - Mavericks: Business for Doctors (41:59) - Take Control of Your Health Resources talked about in this episode: Website: Mavrix Profit Systems
This week, we covered the big Google Monopoly remedy ruling that will not end up breaking up the company and was more like a slap on the wrist. Google also has FastSearch, a faster search technology used for grounding...
The Harvey family from Chicago have inherited a yacht that was once owned by Clark Gable, and they want to give their kids an out-of-city sailing experience that they will remember. Oh, they're going to remember this! Martin/dad (Martin Short) thinks he can do it all. He cannot. Katherine/mom (Mary Kay Place) is good spirited and skeptical (rightfully so). Leading the family is the fantastical Captain Ron Ricco (Kurt Russell). He might be a bit scruffy, and don't trust him in Monopoly, but he'll eventually get the family where they need to be – physically and spiritually. The kids take part in this family adventure. Ben (Benjamin Salisbury) strives to become promoted from swab to mate. Caroline (Meadow Sisto) is engaged but “it's kind of informal. Like, not a problem.” So, everyone has goals. RTS takes on the pirates of the Caribbean. Jeremy carves out some boat shower time and something to do with a salami. La-Mar learns the way of the revolutionary. Collin dives into the ocean and becomes sea-foam. He is reborn into an air spirit. Hit play on some Bob Marley, grab some rum and come sail away.
Join Mike Malone and Scott Budman on "The Silicon Insider" as they dissect the week's biggest tech stories. From the recent anti-trust decision against Google and the company's fine for privacy invasion, to Amazon's decision to drop its Prime invite program, they cover it all. Tune in for a candid discussion on the state of the tech industry, the future of AI, and the surprising reasons behind corporate success.
Today, we're diving into the fantastic ideas of Jennifer Lee, who really shakes up how we think about financial planning. The main takeaway? Financial planning isn't just about stacking cash like it's a game of Monopoly; it's about protecting the things that matter most—your family, friends, and the life you want to live. We're also tackling the unique challenges faced by the sandwich generation, juggling responsibilities for both kids and aging parents. Jennifer's mantra, “Assess, day, adjust, and squeeze the juice,” reminds us that we only get one shot at this life, so let's make it count! Stick around as we explore how understanding your money story can lead to a more intentional and fulfilling life—because at the end of the day, it's not just about the numbers; it's about living your best life!Takeaways: Financial planning is not just about numbers; it's about prioritizing what truly matters in life. Jennifer Lee emphasizes the importance of financial empowerment, especially for the sandwich generation. Understanding your own money story can illuminate your current financial behaviors and choices. Creating a family love letter helps communicate your values and wishes beyond just financial assets. It's essential to include everyone in financial discussions to ensure competence and accessibility. Life throws curveballs, so thorough planning, including legal documents like QDROs, is crucial for unexpected events. Links referenced in this episode:https://modern-wealth.comhttps://squeezethejuicebook.comThank you for tuning in! Your support helps us empower more people to build strong financial habits and engage in meaningful conversations about money.
After a long technical difficulty hiatus (solved by a $7 SD card purchase), The Kings of Drink Mountain return to rule over your ears. As they test out a very relaxed offering from Sprite, they also get down to important business like the deadly deals at Carmax, the specialty corners at the adult expo, the right kinds of batteries for a tesla, and some important Punjabi words you need to know. In addition, Braindead Trivia makes its triumphant return, bringing along some braindead Monopoly chat and an equally moronic song lyrics thing that our host tries (and fails) to do. It's a lot of amazingness packed into 35 minutes, so get yourself into a safe, braced position, and hit play on this episode of America's Favorite Podcast!
TRENDING - Newsmax files a lawsuit accusing Fox News of monopolizing conservative programming, while Kim Jong Un brings his own private toilet on a trip to China. Xi Jinping and Vladimir Putin reportedly discuss organ transplants and the quest for immortality, a Jacksonville boy surprises his parents by walking to Chick-fil-A for breakfast on his own, and Hulk Hogan's son sues Bubba the Love Sponge.
We explain why China's military parade is a show of defiance against President Donald Trump's America. A US strike on a vessel allegedly carrying drugs has killed at least 11 people. Thousands of Epstein-related files have been released but lawmakers are saying it's nowhere near enough. There's been a key ruling on Trump's use of the Alien Enemies Act. Plus, the outcome of Google's antitrust case. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Norm Hitzges is back, and he's not sugarcoating a damn thing about the Dallas Cowboys' upcoming season. In this episode of Just Wondering, Norm takes a long, hard look at the Micah Parsons-sized hole in the Cowboys' defense and asks the question no one in Jerry World wants to hear: can Dak Prescott really carry this circus? From a schedule that looks more like a punishment than a path to the playoffs, to an offensive line that inspires about as much confidence as a paper straw in a milkshake, Norm breaks it all down with his trademark wit and brutal honesty. He doesn't stop at Dak either—Tyler Booker, Nate Thomas, Kenny Clark, and the special teams crew all get their moment under the microscope. And yes, even Jerry Jones gets a little free advice (spoiler: it's about not treating the salary cap like Monopoly money). It's sharp, it's funny, and it might sting a little if you're a Cowboys optimist. But hey—this is Just Wondering, and Norm's just saying what everyone else is too nervous to admit. Chapters 00:00 – The Cowboys Without Micah02:13 – Win Now or Go Home04:29 – The O-Line and the “Pray to the Football Gods” Plan09:30 – Dak, This Is On You11:39 – Special Teams: The Lone Bright Spot13:49 – Jerry's Spin Zone14:36 – Sponsors, Steaks, and Full Moons Check us out: patreon.com/sunsetloungedfwInstagram: sunsetloungedfwTiktok: sunsetloungedfwX: SunsetLoungeDFWFB: Sunset Lounge DFW
Artificial intelligence (AI) is rapidly transforming the business landscape, with channel partners adopting agentic AI at a faster rate than their clients. A recent survey indicates that while only 8.3% of partners and 4.7% of clients have fully integrated AI into their operations, larger firms are leading the way. Security and compliance concerns, along with budget constraints, are significant barriers for smaller firms. Additionally, a study reveals that AI is influencing human speech patterns, with many workers using AI tools without proper training, leading to a culture of secrecy around AI usage in the workplace.Taco Bell is reassessing its reliance on AI in drive-thru locations after mixed results, including instances of customers attempting to bypass the system. The company is considering the effectiveness of human operators during peak hours. Meanwhile, research from Stanford University highlights a concerning trend: entry-level jobs are disappearing, particularly for younger workers in roles easily automated by AI. This decline in employment for those aged 22 to 25 raises questions about the future of job opportunities in an increasingly automated world.In the tech industry, Apple has launched an AI chatbot named AZA-ASA for its retail employees, focusing on enhancing internal support rather than customer-facing applications. Google has introduced a new image model for its Gemini chatbot, aiming to improve user experience and compete with OpenAI's tools. Microsoft has also made strides by developing its own voice models, moving away from collaboration with OpenAI. These developments reflect a broader trend of companies prioritizing internal applications and refining their AI offerings to better serve their needs.A recent ruling has deemed Google a monopoly but has not mandated significant changes, allowing the company to maintain its key assets like Chrome and Android. Critics argue that the remedies are insufficient to alter Google's monopolistic behavior. As the tech landscape evolves, businesses must navigate the complexities of AI integration and the implications of regulatory decisions. The ongoing developments in AI and its impact on employment and business operations underscore the need for strategic planning and adaptation in a rapidly changing environment. Three things to know today 00:00 Channel Partners Race Ahead in AI Adoption as Clients Lag, Employees Hide Usage, and Governance Trails06:18 AI Promises Efficiency but Delivers Messy Customer Experiences and Fewer Early-Career Roles09:44 Apple Bets on Employees, Google on Trustworthy Images, Microsoft on Voice Autonomy13:54 Judge Declares Google a Monopoly but Stops Short of Breakup, Leaving Core Business Model Intact This is the Business of Tech. Supported by: https://timezest.com/mspradio/ https://getflexpoint.com/msp-radio/ All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech
Your Boardwalk barons of boredom are back after a brief hiatus to bring you the surprisingly drama-filled history behind this most American of games. You’ll learn about the wholesale theft at the heart of its creation, the murderers it sparked, the gigantic case of corporate fraud it inspired, and the prisons it sprung from German POW camps. And because Monopoly is as much pop culture as it is cardboard, they'll tour its stranger afterlives: the mascot who officially became “Mr. Monopoly” in 1999 (still no monocle—sorry, Mandela Effect), the ever-shifting lineup of tokens, the globe-trotting board swaps from Boardwalk to Rue de la Paix, a jewel-encrusted $2 million set, and world championships held in places fancy enough to make a hotel on Park Place blush. Even the late Queen reportedly banned it at Christmas—proof that nothing says “festive” like a property dispute. Support your friendly neighborhood TMI Guys here! https://ko-fi.com/toomuchinformationpodcastSee omnystudio.com/listener for privacy information.
Blown Off Wednesday 9/3/25
Blown Off Wednesday 9/3/25
Breaking news as federal judge rules Google will not be required to divest Chrome in online search monopoly case, but must share information with competitors to remedy search dominance. Apple and others can continue receiving Google payments for preloading products. This comes after a down day in the markets but stocks closed off the worst levels. Victoria Greene from G Squared Private Wealth and Kevin Mahn, President & CIO of Hennion & Walsh Asset Management analyze market implications. Fordham Law's Matt Gold weighs in on the impact of an appeals court ruling against a significant chunk of Trump tariffs. Paul Abrahimzadeh from 1789 Capital shares VC market perspective on bullish indicators, IPO rebound including Klarna, and valuations and what the Google ruling means for the VC and tech market.
Google has avoided a legal breakup. AP's Lisa Dwyer reports.
From texting workflows and estimate calculators to Google's four-result “Monopoly board,” Phil shows how better ops beat “more leads.” We dig into retargeting your ignored database, the five metrics that matter, and how AI/LLM authority content will shape the next decade. Whether you run HVAC, plumbing, gutters—or manage 1,800 units—these tactics turn chaos into pipeline. Watch to level up your home service marketing today.Connect with Phil RisherWebsite: https://phlashconsulting.com/ Chapters:00:00 – Introduction 07:19 – Two big fixes: ROAS visibility + lead management 09:11 – Text-first workflows that boost response & bookings 13:37 – Chat-to-text widgets & estimate calculators that convert 22:10 – Google “Monopoly board”: LSA, Search Ads, Map Pack, SEO 24:26 – Content flywheel from real customer calls (They Ask, You Answer) 27:21 – AI search & becoming the local authority with content 38:28 – Scaling ladder & PE honey holes (retargeting) 44:45 – Gino Wraps it Up We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)
The advantage of being an old man is that you can remember the past. This gives you a different perspective on current events. But if that old man is foolish enough to share his thoughts, the average person will smile tolerantly and pat him on his head and tell him that he is just “a lovable old dinosaur who is out-of-touch and living in the past.”Screw it. I'm going to go ahead say what I'm thinking.A few years ago, Big Data was going to change the world. Big Data came and went.Then we got excited about ideas that were “disruptive.” Slash-and-burn disruption by a bunch of young pirates was going to change everything.The Blockchain was going to change everything. You couldn't go anywhere without someone blathering about Crypto and NFT's.Now AI is going change everything. And it definitely will, for awhile.Technology saves money by reducing labor costs, which is just a fancy way of saying that technology allows you to replace people with machines. Unemployment will increase, and Trump will blame Obama.And so it goes.I had an appointment in 1977 to meet with a loan officer at First National Bank in Broken Arrow, Oklahoma, to borrow $1,000.The greeter at the bank sat me in a chair in the waiting room. I was 19 years old.Smart phones did not exist. My only option was to paw through the pile of old magazines on the coffee table in front of me. Can you believe that every one of those magazines was about banking? The banker puts his banking magazines on the coffee table in his lobby when he is finished reading them. And the dentist puts his dental magazines on the coffee table in his lobby. This is how the Business Titans of Smallville keep their costs under control.And they do it for our convenience.I began reading a magazine about banking and it catapulted my brain into a tumbling somersault from which I have never recovered. The feature article was about ATM's, but it didn't call them ATM's. It referred to them as automated teller machines.“The modern bank executive can now reduce his payroll significantly because these new automated teller machines work without pay 24 hours a day, and they never make mistakes.”My eyes were jacked open so wide that I was unable to blink.ATM's were not invented for our convenience! They were invented so that banks could fire 60% of their bank tellers!“These new tellers require no health insurance, no air-conditioned offices, no telephones, no sick days, and they take no vacations. Your customers will thank you for giving them the ability to make deposits and withdrawals 24 hours a day from a variety of convenient locations.”The man I saw in my mind was the banker in the old Monopoly game by Parker Brothers. The way to win the game of Monopoly is to gobble up all the things that people cannot avoid, then take everything they own when an unlucky roll of the dice puts them at your mercy. It's perfectly legal.I played Monopoly when I was young, but I don't play it anymore.Parker Brothers began selling Monopoly in 1935. But that game's origins trace back to an earlier version called “The Landlord's Game” created by Elizabeth Magie. She crafted her game back in 1904, when Teddy Roosevelt was making his mark on history by curbing the excesses of the richest and most powerful men in America.Google, Apple and Meta still play Monopoly. As do the insurance companies, the oil companies, the pharmaceutical companies and the medical corporations that control virtually all the doctors. But the version of Monopoly they play isn't sold by Parker Brothers.To win, all you have to do is gobble up the things that people cannot avoid, then take everything they own when an unlucky roll of the dice puts them at your mercy. It's perfectly legal.Abraham Lincoln and Teddy Roosevelt are the Republicans on
The gang talks to author Phil Orbanes about his new bestselling book, “Monopoly X,” the true story of how the famous game board fooled the Nazis and helped hundreds of Allied POWs escape from Germany. Also, World War Two trivia: How did Russian fighter planes down German aircraft when they had no bullets? What was the deep secret behind the infamous Colditz POW Prison? What ailment did Hitler have that caused his doctor to inject him with “bull sperm?”
The gang talks to author Phil Orbanes about his new bestselling book, “Monopoly X,” the true story of how the famous game board fooled the Nazis and helped hundreds of Allied POWs escape from Germany. Also, World War Two trivia: How did Russian fighter planes down German aircraft when they had no bullets? What was the deep secret about the infamous Colditz Prison? What ailment did Hitler have that caused his doctor to inject him with “bull sperm?”Become a supporter of this podcast: https://www.spreaker.com/podcast/paranormal-uk-radio-network--4541473/support.
UnHerd's US Editor Sohrab Ahmari interviews former Federal Trade Commission Chair Lina Khan. As head of the Biden FTC, Khan shook up decades of corporate deference — suing Big Tech, targeting drug middlemen, and reviving antitrust enforcement.In this conversation, she reflects on the collapse of the brief “post-neoliberal” consensus, warning that corporations now use both woke and anti-woke rhetoric to shield their power, while Trump's return has revived old patterns of lobbyist capture and green-lit mega-mergers.Can Democrats truly embrace economic populism? Was the populist moment just a mirage? And is antitrust still America's frontline battle against monopoly power? Hosted on Acast. See acast.com/privacy for more information.
Kiera and Kristy break down a few reasons why your practice might not seem (or might not be, period) to have any money. They touch on how to find your profit point, knowing your debt, staying on top of collections and AR, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera. And today I have Kristy with me and I'm super excited because today is one of my favorite things to do as consultants and I call it office autopsy. ⁓ Don't worry offices, this is a mix of a few offices because believe it or not, offices think that they're on individual islands and believe it or not, you're not. ⁓ Multi-practices actually struggle, they actually do the same things that you struggle with. And so we just wanna make sure that we bring, we're not going to ever disclose who this office is. We will mix a few offices together, but I think for people to see what the office's pain point was and then what as consultants were able to do. Kristy, we have some really fun ones. so Kristy and I decided we wanted to podcast today about some office autopsies of what, hopes to help more offices. So Kristy, welcome to the show today. How are you? DAT Kristy (00:48) Good, thank you. Pleasure to be here. The Dental A Team (00:50) Of course. Well, I'm super happy because I think the one that we run into a lot ⁓ is we call it cash flow row or cash flow woes, like whatever you want to talk about. But it's really when an office comes to us and they seem to not be able to figure out what's going on. ⁓ They feel like they're producing. Sometimes they're producing, sometimes they're not. So we'll kind of discuss like how to know if you're producing enough or not. But then they feel like they just like have no cash. And so giving some background. Like I said, I'm going to blend a couple of practices together, but we have kind of going to do like two simultaneous ones. One practice was producing really, really well, but literally the owner felt like they had no money. We're talking like flat broke, felt like they were completely going to go under, had no money, but yet their production numbers were really good and their P &L looked really good. And we're just like, it showed on the P &L. I think, Kristy, you'll find this too, offices get so frustrated. I got so frustrated and angry with my CPA when they said, well, Kiera, like according to the numbers, you have money. And I'm like, great, high five, jerk. I have no money in my bank account. Like it's the most infuriating feeling in the world of my CPA tells me I should have money, but there's no money. Flip that too on the other side when a practice isn't quite producing what they need to be producing to pay for their expenses. And they feel like they have no money and they are flat broke, which in reality that practice is flat broke because they need to produce more or they need to cut. So we're gonna kind of dig on both sides of these with office autopsies of what we see, what we've been able to do. And let's start, Kristy, on the side of what do we do? Like, okay, first step, how do we find like the profit point? Like, how do we figure out what should an office be producing? Because I think that's also infuriating when doctors are like, but I'm just producing. I feel like I'm trying to out-produce my problems. Like, I don't know how to produce more. ⁓ how do you, Kristy, as a consultant, come in and help offices just gain that clarity? Because I think sometimes when we know the North Star and we know what we should be targeting, it actually becomes a lot easier to then build block schedules and then figure out what our overhead should be. But how do you help offices even dig into that? As point one to figure out, let's autopsy both of these practices, I think this is step one to really getting clarity. DAT Kristy (03:00) Absolutely. I agree with you, Kiera. ⁓ The first step is to understand how much we're paying for things. What is the cost to keep the doors open? You know, we talk about overhead, right? But what is overhead? It's everything that we have to pay within a month. Rent, utilities, staffing, right? The other thing that I want to point out is many doctors don't include themselves in that. And I definitely want to pay them The Dental A Team (03:16) you DAT Kristy (03:30) Just like if they were an associate in the practice and so we want to include that in that overhead cost if you will and find that What I like to call profit point so we know where we're what's our? BAM right The Dental A Team (03:48) bam, that bare ace minimum, like what do we have to do? It's kind of like in real life. I mean, I think all of us have a bam in real life. You know what your mortgage or your rent is. You know how much it costs you to like do your groceries. You know how much daycare is, you know how much it costs you for like your Amazon spending. And some of those are fixed costs. So fixed are like your mortgage or your rent. You can't really change those. Those are fixed for you. Yes, like I get it. The semantics, we're not CPAs here. We're not like, that's not our world. The semantics are can you change your rent? Potentially you could go find somewhere else. That is an option you could do. But most of the time those are pretty fixed. Just like our utilities are pretty fixed. You can be like my husband where literally our AC goes off at 6 p.m. at night. He freaking freezes us until 6 o'clock to save on these utilities until 9 o'clock. It drives me wild. I'm like in a hoodie freezing, shivering. And then the AC goes off and I'm like roasting. It's really entertaining because he wants to save the $3. But genuinely speaking, like you're not really going to be saving on those fixed costs. are some fixed ones. Staffing is usually pretty fixed. However, we could add team members or take team members away. So therefore it's not as fixed. But like you said, Kristy, I think it's figuring out in a practice and agreed, doctors should be paid. Like nobody, think that that actually causes more stress for owners. If you don't even know what your paycheck is or you're just taking draws, because then how do you budget your life on a up and down volatile paycheck? I think that creates a lot of stress versus like, okay, great. Let's just put you at a hundred grand or let's put you at whatever is a reasonable salary. Talk to your CPA. They'll be able to give you that. ⁓ And that can be agreed with Kristy. I like to pay you as an associate, but if right now the practice can't support that minimum should be a reasonable salary of say a hundred grand. So that way you can at least bank on that of getting that paycheck in your practice. Sometimes you have to adjust that, but generally speaking, if we at least give you some type of certainty and clarity, that's going to help you then be able to budget your life around that too, in addition to budgeting your practice. DAT Kristy (05:49) Absolutely. In fact, Kiera, sometimes even with startup doctors, I like them to even keep a spreadsheet of their production as if they were paying them as an associate. And then when they start to get profitable, we can back pay those wages. But definitely they have to take care of themselves first. ⁓ I've even seen where they get a little bit of animosity if not, right? Like, staff's driving these cars and they're getting their nails done and they're doing The Dental A Team (06:00) Agreed. Mm-hmm. DAT Kristy (06:19) and I can't even pay myself. So I think it's very important that we understand what that is and work toward that, number one, if we're not there. And then if we are there, adding additional ⁓ percentage to that, which us as consultants can help guide that depending on your goals. If it's paying down debt, paying you as an owner doctor. ⁓ And you know, we follow the EOS system, so adding those buckets for taxes and those sort of things that come up and we can be prepared for. The Dental A Team (06:55) Yeah, no, I think it's brilliant, Kristy. And when you said that, I agree. You don't want to not be paid in your practice, because that gets, A, it's stressful, and B, it's annoying, and C, you've got all this debt on you. ⁓ But I also think when we're looking at our practices, there are pieces, so when doctors are like, I'm not getting paid, I just want to remind that sometimes we're being paid through things running through our practices. And so we've got to be careful, because that is, Like if you didn't have your practice, you'd be paying for that out of pocket. And so that is technically part of your salary, doctors. And I don't want to be the like balloon pop girl over here. I do want to be realistic because a lot of times doctors are like, I'm not making money. And I'm like, but you forgot that these things are running through your practice. So you are being paid for those or those things are no longer coming to you, which is totally fine and legal. Talk to your CPA. Like we want you to do that. There's nothing wrong with it. But when we're looking and we're like stomping our foot saying we're not being paid, sometimes I even have to remind myself of like, yes, but Kiera, if you didn't have the business, all those costs would be coming out of your W2 paycheck, not your business right off. So agreed with Kristy, when we're looking at this, step one is let's find that BAM, let's find that profit point, let's find out what you have to produce. And then from there, what we need to find out is also in addition to that, how much is our debt? Because a practice should not have to be covering your debt, but you as a human needs to be covering your debt. So if your student loans, your practice loans, things like that, the practice isn't necessarily a poor performing practice. You just have all this excess of like, my gosh, I have to pay this off, which that's real life for you. And I think that's the difference of a CPA's bookkeeping for you versus your real life living through it. And I can tell you from personal experience, like this is very hard. Sometimes practice loans do go through your your practice profitability. Again, this is pending on your CPA and how they recommend you do it. But most of the time your student loans and different things like that don't run through the practice. So, but you as a human need to have enough money to be able to pay for all those things. So I think it's finding out the practices, BAM, like Kristy said, finding out your personal BAM, because that might be different. And then from there, let's tack on 10 to 20 % beyond that. So let's say you know you've got to produce 50,000. Well, awesome. 10 % of that would be 55, adding 20 % excuse me, so 10 % of that is going to be an additional $5,000. To do 20 % of that's going to be an extra $10,000. So if I know I've got to do 50, I've either got to produce 55 or 60. Now that becomes much easier and I know beyond that I'm going to have 10 to 20 % leftover of the practice after everything's spent. Our ideal is to get it to where your 50,000 is 50 % of your practice and there's 50 % quote unquote profit beyond that. Now again, that profit is a little bit funny because if we're doing a 50 % overhead and 50 % profit, doctor salaries usually are not included in that. If doctor salaries are included in that, then usually it's a 20 % profit at the end of that. So I know those two numbers feel a little like disjointed. They've been very disjointed for me. So if you're doing true overhead, we want it at 50%, 30 % doctor pay, 20 % profit. If you want to combine it all together, then it would be 80 % quote unquote overhead, 20 % profit. Now that 20 % profit though, does technically pay for debt services. So watch that. You might need to scale down our 50 % down a little bit more or 80 % to then be able to offset that. So hopefully that wasn't too confusing for everybody. This is why we're consultants. This is why we help you. But I think when you understand like either need a 50 or an 80 % ultimate goals, we're trying to get 20 % cashflow at the end of the month. think for me, that's like the easiest thing. Like, okay, if I'm producing a hundred grand a month, I want 20 % of that, so that's 20 grand. So like I'm trying to do easy numbers for all of you. I want 20 grand after everything's paid to still be remaining. Now, one other kicker as a business owner is that 20 % is also taxed. So don't forget that that gets taxed. So if you're at a 30 % tax bracket, well, you gotta take 30 % of 20 grand and then the rest of that you can spend. And this is why I think owners get so frustrated, because it's like, oh my gosh. Like just tell me how much money I can have. And when I talked to a CPA and Kristy, I think you come across this, like our whole lives up until owning businesses, we've been paid at the W-2. So everything we got paid, we were able to use. Well, now as business owners, everything we're paid, we don't get to use. That's not the way the game works. ⁓ And it's due to write-offs and different pieces like that. So I think just knowing the rules of the game, I remember being so fresh with my CPA and I said, I like you're playing Monopoly with me. Like just tell me the dang rules. So, and like, don't tell me like, no, you can't pass go, but you can pass go if you do X, Y, Z, but then like, no. So it's really, you've got to have a profitable practice of overhead. That's what we as consultants are really obsessed with. You also as an owner need to be responsible of how you spend. That's not to say you can't spend, but you do need to spend responsibly and you do need to set aside your taxes. And I think when you have all those pieces set up, then you can have guilt free spending because you're paying yourself. Plus, you know what your true profit is. You've saved for taxes, you've saved for a rainy day, like Kristy was saying. We can put buckets into place to pay down more debt. You can put buckets in place for emergencies in your practice. You can put buckets in place for ⁓ vacations. I have a doctor I was just talking to on Alaska cruise and I was like, how's that bucket working out for you? And he's like, I love it, Kiera, you set it up for me. And I know how much I can spend on vacations. I know how much of my paycheck goes into that portion. He also used to spend an absurd amount on CE. So we set a true budget of how much CE money he could use. But that's kind of where you then as owners aren't just trying to waffle through this and actually can figure out those profit points. And I do think, Kristy, like as much as we've belabored this so much at the beginning of this podcast, I feel this foundational piece is what makes owners crazy because they don't know the rules of the game. So they start spending all the money. Then you get this huge tax bill. Then you feel mad. Then you feel like you have no money when it's like, no, you did have money. just we accidentally spent it. So now we got to make up for it later because we didn't put these rules of the game into play. Kristy, you might have a simpler way to do that. What are your thoughts around that? DAT Kristy (12:49) No, I agree with you 100%. Otherwise, what I find is, you know, business owners, doctors, they just come up with this arbitrary number that they want to hit. But again, just because we're producing something doesn't mean we're profitable. And so they go together, but we have to understand the difference. The Dental A Team (13:12) I agree. And I love that you said that because production feeds the ego and profit feeds the family. And so it does not matter what you're producing. And I agree with Kristy. It's like, I want to produce a hundred grand. I want to produce 200 grand. Well, high five. Let's help you do that. But on the flip side, let's make sure your expenses are there. And there's another practice I'm thinking of right now where they're like, we have no money. And I'm like, all right, if we have no money, truly it's let's do the checklist. Number one. Like, do you see me even scratch my head? I'm like, if you're not watching the video, Just know when I hear people say, don't have money. I'm like, all right, it's either a production issue or a spending issue. It's one of the two. So just know those are the only two levers for when you're saying, I don't have money. It's either actually there's a third. There's technically a third. And that is a collection issue too, because we're either not producing enough. And if we are producing enough, we might not be collecting enough. And if we're doing both of those two things, then it's a spending issue. So let's break it down to this office autopsy. Kristy, let's go for a practice that is producing enough. they don't have money, how did you fix or how did you find out that this practice had a collections issue? DAT Kristy (14:14) Yeah, well number one we would look at. How much was their net production and how much are they currently collecting? My minimum benchmark is always to be at 98 % or higher. Obviously, if we can get reservation fees to pre-collect on things, we may see that up a little bit higher. But if they're not at that 98%, what can we do to get them there? What's getting in the way? Is it patient? Is it insurance? Are we not submitting clean claims and getting them back in a timely fashion? The Dental A Team (14:26) Agreed. DAT Kristy (14:47) ⁓ But definitely that would be the first place to look. The Dental A Team (14:51) Yeah. And so Kristy just said the benchmark. If you're not at 98 % collections, then there's a problem. Second piece is look at your AR and if you have more than one month's worth of production in your AR, we also know it's a collection problem. So when we diagnose on this practice, I remember we talked to a doctor and they're like, Kiera, I have no money. Kristy, I have no money. And I remember we're like, so actually you do have money. Believe it or not, the money is there. It's just sitting in uncollected amounts. So Kristy, you even went with another office and like they didn't have money and you just straight up called. You like went with the office manager and you guys just picked up the phone and started calling on balances to get the money. And I really want doctors to know, and Kristy, I think this is the infuriating part as a consultant where I'm like, no, like you're producing well, you just have to collect the money that you're producing and don't like, don't even feel bad about it. So what do you do for teams that don't want to collect, that have these big ARs? Like what are a few simple steps? Like if that's my practice, I'm- Hi, Kristy. I'm the doctor today. My team, this does not want to collect money and I feel like I can't pay any bills. What do you do in that scenario as a consultant, Kristy? DAT Kristy (15:53) Yeah, well, I think we have to dig deeper into their own, like the team members own biases and what's getting in the way and get them comfortable to realize that we're not doing good by our practice and or patients if we're not collecting those balances. So, you know, really seeing what's the roadblock and let's work through it to overcome it because people deserve the care. Patients deserve to be healthy and And part of that is also paying for the treatment, right? So just digging deeper, figure out what's getting in the way and helping them to overcome, create some verbiage for them to feel confident in being able to collect. The Dental A Team (16:39) Yeah. And Kristy, I think you do an amazing job as a consultant. think this is where I love being consultants is like, you will actually help them sometimes call on accounts and help them see how easy it is. And ⁓ I also think when we're looking at AR, let's get our best bang for our buck. like, let's sort it to biggest balances and let's call on those first. Like, let's figure out different pieces. And like you said, there might be a myriad of reasons why your team members don't want to collect. don't think typically it's due to the fact that they don't want to collect. I think they're just scared. There's fear. They're afraid of a patient being mad. They're afraid of not being able to explain the balance on the account. They might not understand why insurance is denying claims. Billing is a whole black hole, just so doctors understand, like there are a lot of nuances there. But I think on that side, if you are producing, like I remember this practice, they are producing like 150 to 200. And I was like, what do mean you don't have money? And we looked at the P &L and we're like, no, according to your P &L, you have money here. And we just realized it was a lack of collection process. We implemented that Kristy, you helped this practice. They implement, they started collecting and now the doctor's like, wow, like two months later, I feel like I'm like happy as a clown because they literally have money now, but the money was there all along. And that's really like, I think a myth to dispel on this office autopsy is a lot of times the money is actually there. We're just not collecting. We don't have the correct processes in play to do correct insurance verification, to have better estimates, to collect in practice, to then have better ways that we are posting payments. We don't have a process for how we're calling patients and insurance. And if you don't have that whole process dialed in, that can actually get really daunting for a practice. But Kristy, let's flip sides to the other dark side of this coin where they might not be producing enough. So like we said, it's either a production process, a collection process or a spending process. What do we do on the dark side where they're not producing enough? Like that's scary to me. So what do you do on that? I think there's like two zones here. DAT Kristy (18:33) Yeah, absolutely. Well. Number one, once we figure out that benchmark, typically, Kiera, we go and look at how much are they diagnosing, right? If we're looking to hit 100,000, we typically need to be diagnosing minimum three times that number ⁓ if we want to hit it, right? So where are we with diagnostics? And then where are we in case acceptance? how, if we are diagnosing that much, how much are we actually getting patients to say yes to that treatment if you will. The Dental A Team (19:09) Mm-hmm. And I think, Kristy, great point on that because it's twofold on this dark side of the coin of if we're not producing, are we diagnosing enough? And if we're diagnosing enough, are we closing enough? And those are two different people actually in this scenario. So doctors, have to diagnose. And if you're a doctor who's scared of diagnosing a couple tools, it's OK. I always tell doctors, it's your moral obligation to diagnose. As a patient, if you were to go in and there was someone who saw Let's say you did a scan, I've had multiple MRI scans on my brain. Do you know how mad I would be at a doctor if they chose, because like they don't know if I can afford it, if I don't wanna hear the bad news or like whatever it is, they choose not to tell me what's on my brain or a broken bone or if I've got something in my blood work, I would be livid. And yet doctors, you're diagnosing, you're taking x-rays and if you're not telling these patients what's going on, ⁓ that's your moral obligation to do that. So if you're nervous about it, that's okay, I'm not here to tell you. there's anything wrong with it. I just want to remind you that this is your moral obligation as a healthcare provider. So there's Pearl or Overjet of an AI solution that might be a solution for you ⁓ or just diagnosing one more thing than you normally would. If you're used to like watching, ⁓ that's okay. Maybe like just watch 75 % of it, but diagnose one of those things that you would normally watch and just notice patients don't get mad. They don't get angry. ⁓ Remember when you do get that frustration, it's just due to their expectations not being met. So if you can even help them co-diagnose with you. So having your hygienist call out their perio numbers and let the patient know before they do it, like, hey, we're looking for the health of your gums, anything above a four, that's something that we need to watch if there's bleeding. And I'm gonna show you, so listen with me, you're gonna hear, ⁓ and then you'll be able to hear. Well, now that patient's listening actively with you of, wow, I heard like seven fours, or I heard like a six in there, now you don't have to try and teach them and say like, you've got perio. They actually heard it and they co-diagnosed with you. You can show them x-rays of here's a healthy tooth. This is what a healthy tooth should look like. Now look at this tooth and what do you see? You guys, if there's decay in there, even the untrained eye usually can see that pretty big chunk of decay taken out of there or use intraoral photos to where that patient's co-diagnosing with you to gain the trust. And that actually makes it easier for you doctors, because then you're not teaching them. Or if you're like really nervous about it. AI teaches them. Like it literally just puts the puts it up on there and you don't even have to hardly do anything other than just presenting it to them and educating them. So something simple there. And then if your team's not closing cases, amazing simple things like an NDT our handoff. next visit date, time, recare that can help tremendously. ⁓ having your team members track their treatment plans, having a consultant help them. Like we literally help listen to treatment plans, guide and give coaching on different ways that they can do it. So there's two ways if you're not diagnosing or producing enough. that we can easily do that. And the next one would be a block schedule. Kristy, any other thoughts on that? Because I'm sure you've got pieces working with so many team members too. DAT Kristy (22:06) Yeah, listening to you talk about the case acceptance, it's just hitting me that sometimes I think our fear is in telling them, but really if we take a step back and just include them in the process and figure out what are their long-term goals for their mouth and being able to speak to them in a relational way that... The Dental A Team (22:23) Thank DAT Kristy (22:29) really is flipping it to what is their goals and getting them what they want. I think that takes the pressure off of us telling the patient, right? And so, ⁓ truly, I think when we master this, it's a beautiful thing and you get patients to stick for very long time because they feel heard, right? And they still are in control of their care. So. The Dental A Team (22:53) Totally, I agree with you, Kristy, and I love that you talked about like, they're part of the solution with you. And I agree, like, I can't as a treatment coordinator want this more than they do. It really has to be something that they're a part of. ⁓ And also just helping your team see, similar to doctors, when we're watching so many things, team members can accidentally be saying one or two words that's guiding a patient the wrong direction. We might be highlighting insurance more than we're highlighting total treatment. We might be putting emphasis on like your max on insurance or Like we could just start with one thing because we're afraid of presenting total dollar amounts. All of those things are normal. That's like very normal. Your team's not struggling, team members listening. You're not doing anything wrong. Just highlighting that there are different ways that you can present it. And I call it like the sequence. So think about when you're back in high school and you had your locker combination. If your combination code was 321, you could put in the number 213 and your lock wouldn't open. You could also do 123 and it wouldn't open. You could also do 32... three and it won't open. You can have the exact same numbers and just do them in the wrong combination and it won't open versus if we have the right pieces in the right combination, we actually get more case acceptance. So just realizing like what are my tools that I'm using? Am I putting them in the right sequence? Am I using the tools like insurance is a tool? It's a coupon. So let's maximize that, but it's not going to guide my treatment. Let's maximize getting full case acceptance. Let's maximize like Kristy said, knowing their ultimate goals and tying my treatment back to those ultimate goals. just using the tools in the right sequence can also help with that case acceptance. Now, if you are a practice that's not diagnosing enough, I think that this becomes like a little bit of an ego check and I'm sorry to be the ego check day today, but it might be something where if we're not diagnosing enough and we are collecting and we're not producing enough, it might be time for us to look to see about cutting costs. And this is something where I don't love to have this conversation. However, bottom line is the practice has to thrive. Otherwise we all will fail. And doctors like you won't be able to help your team. You won't be able to help patients. And ultimately your livelihood is on the line too. Nobody is happy in this scenario. So when an office is like, don't have money, great. We've looked to see, you diagnosing? We've looked to see, are we collecting? We've looked to see our case acceptance. Like let's check all the boxes. Flip side is what are we spending money on? Immediately I'm gonna go to anything that you no longer need in the practice. So I know we might have been in the glory days. doing all these ITero scans. Well, guess what? Glory days are gone. We're no longer there. And I hate to be Debbie Downer, but the reality is we need to sell that. We need to get out of that contract. Anything we are not using in the practice, we need to cut those debts off of us. And this is just a yucky moment. And I'm sorry, but you've got to do it. And as a business owner, this is your job as a CEO is to watch the profitability of the business. Like you have to, and you have to make those hard cuts. And I will tell you, you do it one time. You're a lot more cautious on things you'll purchase in the future. So we start cutting costs of things that are not paying for themselves. So if we've got extra equipment in the practice, if we've got other things that we can sell. Also, team members, we might have bulked. I've done this as a CEO, so I'm just gonna tell you, like, it was a really, really, really bad day when I realized I over-bulked anticipating something to happen in the practice, and I actually had to scale back and cut. That does not feel good, and it's something that we want to avoid. However, if we have ultimate, like, more team members than are necessary, or we could outsource to things, I'm not here to say, determinate team members. Like we said, like we went through all the different scenarios, everything we possibly could do. But the reality is you may have bulked too much in a practice and you need to scale back and cut. And that's just a zone where you walk the walk of shame and you commit you're never going to do it again. But ultimately you have to get yourself to a profitable zone. You've got to look at your own spending. A doctor was like really struggling on spending and they had multiple credit cards. Consolidate those credit cards down to where you only have one. We pay it off every single time. We look to see what other things we like work out deals with the lab or different people. ⁓ But you've got to be realistic. You might have to get a line of credit to get yourself out of it. You might have to take equity out of your home or your practice. Those are things I hate doing, but I also feel sometimes the pain of discipline is better than the pain of regret. And I would rather go through the pain of discipline and learning to like cut my costs and watch my costs and not hire. Like I might extra hire. a hygienist. I might extra hire a treatment coordinator. Those are two players on my team that will actually generate revenue for me. And not to say assistants don't because assistants can, but I could get by with a Mr. Thurshy. Now, dentists, I know I'm going to get a lot of flak for that. The reality is you can do that for a short amount of time. And I just want to highlight like it's inconvenient, but it's also inconvenient not to have money to pay your bills. So like choose our heart on this. But this is a zone where like I heard a doctor and they were struggling and they They spent like 10 grand on something unnecessary. And I'm like, that's a spending issue. That's a you issue. That's not a practice issue. And it's not a diagnosis issue. If you cannot produce what you have for your costs, it's like the person has to accept the fact that they bought too big of a house. Like you've got to scale down. You got to size down. And as much as that's an ego blow, that's also smart business ownership. So Kristy, that's my like soapbox. So doctors, like we said, it's first, let's make sure we're producing. Like, let's figure out our amount. have to, then we're going to check our production. Then we're going to check our collections. Then we're going to check our diagnosis. We're going to check our case acceptance. We're going to check our block scheduling. Then we're going to go into any unnecessary costs that are on our PNL. ⁓ Look to see, there anything we could do to reduce costs? And then it's going to be, we've got to cut. And like, you've got to make that decision before you go under. ⁓ You owe that to your patients. You owe that to yourself and you owe that to your team. And it's a sad, crummy day, but it's part of business. Kristy, what are your thoughts? DAT Kristy (28:27) Yeah, I think you nailed it. The only area we didn't uncover was you usually do have some unscheduled treatment that you may be able to tap into. And I would definitely explore that resource. But you nailed it, Kiera. I mean, you hit all of the boxes for sure. The Dental A Team (28:46) So those are kind of like looking at a practice that says, I don't have cash. These are some of the ways to diagnose that we do within practices. And notice the very last thing that we went to was cutting. That's not our mission. That's not our process. And we're never going to tell you to cut somebody. That's going to be ultimately your decision. We're just going to remind you that as a CEO, that's part of your job. And I remember going through COVID, had a coach and she said, Kiera, you've got to have a list. You've got to have a list in your mind of like when things get tight, if they get there. What are you going to do to make sure your business thrives and survives? And that has stuck with me when I realized like, that's why I'm paid a CEO salary. That's why I'm paid to make these hard decisions. That's why I ⁓ signed up to be a business owner. Like that's the hard side of success. Success has two parts of that coin too. There's the light side and the amazing side. And then there's the dark side that a lot of people don't talk about. So if you're looking at your practice and you're saying, I don't have cash, go through the checklist, Kristy and I just gave you. ⁓ And sometimes it does help to have a buddy in it with you, a consultant, somebody who's in it with you. Like Kristy, I think about the night that you picked up the phone with that office manager and you guys started calling, you called on accounts with them. I think sometimes not feeling alone in the process. think somebody pushing your team, because you're like, I don't know how to say this to my team. ⁓ Someone who can help guide them, someone who can help look at your diagnosis and help you diagnose maybe one more thing, ⁓ really can be an asset. And I call Kristy our money bloodhound. If I have a practice on cashflow row, I'm like, all right, Kristy, I don't what you're gonna do, but girl, go to work and go start looking. And I think having an outside set of eyes, it's not sitting in there floundering with you, but can have a cool, calm, collected head, sometimes can be the most beneficial. So if you're struggling, reach out, we're here to help you. And it comes with no judgment. Kristy, don't think I've ever once heard you judge a single practice. You come with love, you come with open arms, and you come with solutions quickly. to make sure they get there. So Kristy, any last thoughts you have for these practices who might be struggling, who are hearing this office autopsy being like, my gosh, that's been me, or my gosh, I feel like I'm headed that way. Any other thoughts you might have for them? DAT Kristy (30:43) ⁓ Just again that you're not in it alone and having us to help ⁓ guide mentor and just make sure you have you know daily weekly monthly Systems in place and balance, you know a checklist balance. We got ya we can help The Dental A Team (31:00) We do. do. Well, Kristy, thanks for being on the office autopsy with me. Thanks for just loving our clients so much and helping them. I think that client who two years after you started helping say to us, I like have never been this free or like, my gosh, like this is what ownership should feel like. I think those are the wins that we live for as consultants of hearing you thrive, hearing your successes, hearing you have your dream life and not being so stressed, ⁓ even in possible situations that are stressful. So Kristy, thanks for being that consultant with us. DAT Kristy (31:30) It's a pleasure. Thanks. The Dental A Team (31:32) Of course, for all of you listening, don't be on cashflow row. Don't be struggling about these things. If you are part of any of the scenario, if you're like, my gosh, any of those things resonated, reach out. Hello@TheDentalATeam.com. Go to our website, click on TheDentalATeam.com book a call. Like truly it's a no judgment, just clarity, just momentum. Even if we can't help you, we've got resources. Even if you're not quite the right fit, that's okay. Like we will be there to support you. ⁓ but I think it takes courage to book the call. It takes courage to admit you need help. but there's so much freedom. to know that you're not alone, that you're not having to do this alone and that there's somebody who truly can help you get out of the scenario and that's been there, done that and done it successfully many times. So reach out and as always, thanks for listening. I'll catch you next time on The Dental A Team Podcast.
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Dive into the housing crisis with Aaron Renn and Adam Ozemeck, Chief Economist at the Economic Innovation Group, as they unpack why buying a home can feel impossible in 2025. From skyrocketing construction costs to zoning roadblocks and institutional investors, this episode explores the real reasons behind soaring home prices. Discover potential solutions like YIMBYism, density zones, and more to make housing affordable again. CHAPTERS:(00:00 - Introduction: The Housing Crisis Explained)(01:32 - State of the Housing Market: Why Are Prices So High?)(05:58 - Indianapolis Case Study: A 40% Price-to-Income Surge)(07:33 - Construction Costs: Why Building Homes Is So Expensive)(15:33 - Zoning: The Hidden Barrier to Affordable Housing)(23:26 - Monopoly in Home Building: Is Competition the Issue?)(28:48 - Institutional Investors: Are They Driving Up Prices?)(44:23 - Immigration and Labor: Impact on Housing Costs)(49:50 - Solutions: YIMBYism and the Abundance Agenda)(55:42 - Single Stair Reform: A Key to Cheaper Housing)(59:22 - State Preemption: Rewriting Zoning Rules)(1:02:13 - Density Zones: A Balanced Approach to Local Control)(1:06:43 - Tackling Construction Costs: Tariffs and R&D)(1:09:09 - Place-Based Policy: Spreading Opportunity Beyond Big Cities)(1:15:08 - Fiscal Stimulus: Did It Fuel the Housing Crisis?)(1:16:23 - Final Thoughts: Building a Dynamic Future)ADAM OZIMEK'S LINKS:
In this episode, Clay unpacks the extraordinary rise of ASML — a little-known Dutch company that quietly became the most important player in global technology. Since its IPO in 1995, ASML has compounded at 20% annually. ASML holds one of the most powerful monopolies on earth as it's the sole manufacturer of EUV lithography machines, which make the world's most advanced semiconductor chips. Without ASML, companies like Apple, NVIDIA, and TSMC couldn't power iPhones, AI data centers, or the modern digital economy. IN THIS EPISODE YOU'LL LEARN: 00:00 - Intro 04:56 - How ASML grew from a Philips spinoff into Europe's most important tech company. 13:31 - How ASML's partnership with TSMC shaped the global semiconductor industry. 32:16 - Why ASML holds a near-monopoly on EUV lithography machines. 41:01 - Why the geopolitical tension between the US and China place ASML at the center of technology power struggles. 53:30 - How investors can view ASML's growth, risks, and future opportunities. 01:00:23 - What makes ASML's moat nearly impossible for competitors to replicate. 01:05:08 - The dual leadership that propelled ASML's rise and built a culture of relentless focus. And so much more! Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join Clay and a select group of passionate value investors for a retreat in Big Sky, Montana. Learn more here. Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Marc Hijink's book: Focus: The ASML Way. Related Episode TIP727: 7 Powers by Hamilton Helmer. Related Episode TIVP024: TSMC: The Most Important Business in the World?. Follow Clay on X and LinkedIn. Check out all the books mentioned and discussed in our podcast episodes here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, The Intrinsic Value Newsletter. Check out our We Study Billionaires Starter Packs. Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Browse through all our episodes (complete with transcripts) here. Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool. Enjoy exclusive perks from our favorite Apps and Services. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: SimpleMining HardBlock AnchorWatch Human Rights Foundation Cape Unchained Vanta Shopify Onramp Abundant Mines HELP US OUT! Help us reach new listeners by leaving us a rating and review on Spotify! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it! Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm