Podcasts about Moola

Featured in this episode: Martina Albert is a technician with the National Tree Seed Centre, based in Fredericton, N. B. The NTSC's library holds more than 13,000 seed collections, with the purpose of protecting them from invasive pests, disease and climate change. Albert works on the Centre's Indigenous Seed Collection Program, working with First Nations communities to collect and preserve tree seeds for generations to come. Blaine Pearson is the CEO of Seedark, a climate tech venture that is working to modernize the global supply chain of seeds. Its app, Squirrel, connects growers and reforestation experts with seed collectors, while digitally tracking where seeds are coming from. Pearson has more than 20 years of entrepreneurial experience, focusing on harmonizing the application of technology with environmental protection, and is currently part of the RBC Women in Cleantech Accelerator. Faisal Moola is an associate professor in the department of geography, environment and geomatics at the University of Guelph. Moola oversees research on the ecology and ethnoecology of cultural keystone species with Indigenous Peoples here in Canada and around the world. Jim Robb is the general manager of the Friends of the Rouge Watershed. The organization partners with communities and volunteers to protect and restore ecosystems, with a focus on Rouge National Urban Park. Robb helps organize nature walks, community planting events and educational programming to inspire the next generation of ecological stewards. D'Amour Walker is the assistant project coordinator at Friends of the Rouge Watershed, where she ensures trees, shrubs and plants are in healthy condition as part of the reforestation and ecosystem restoration efforts. Further reading: Saving nature: WWF study highlights the best places for ecological restoration in CanadaWanted: tree seeds. National seed centre in Fredericton collecting samplesIndigenous Seed Collection Program begins cross-country journey in FrederictonWe need native seeds in order to respond to climate change, but there aren't enoughWhy Indigenous peoples are raising the alarm on carbon trading at UN climate summitGrasslands store tons of carbon — and there's a movement to protect themBiodiversity or bust? Here's what happened at COP16What you need to know about nature-based solutions to climate changeSubscribe to Solve for X: Innovations to Change the World here.  Solve for X is brought to you by MaRS, North America's largest urban innovation hub and a registered charity. MaRS supports startups and accelerates the adoption of high-impact solutions to some of the world's biggest challenges. For more information, visit marsdd.com.

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

Kiera talks about the numerous shifts on the horizon in dentistry, what your practice can do to embrace the changes, and how Dental A-Team can help. Episode resources: Sign up for Dental A-Team's Virtual Summit 2025! 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 I am so excited to have you on the podcast today. I hope today is just an incredible day for you. And I hope you remember you are in the greatest industry possible. And today I'm really excited because I feel like there's some opportunities to discuss and challenges that I think offices are gonna be facing in the next five to 10 years. I wanted to pop on and just say like, hey, dentistry is changing fast. And my question is, are you and your practice gonna be ready to seize the opportunity or?   Honestly, are you going to be struggling and hanging out in the back? I think that there will be a lot of shifts. I think we've seen a lot of shifts in dentistry. And so really just popping on to help you look for different things for technology, patient experience, different things within the practice, and really be able to help you guys prepare and get your practice there. Do you guys know Dental A Team? We are here to serve. We are here to help you and your practice have the best experience. I truly do believe that running a dental practice that's profitable and successful does not need to be hard. It does not have to be crazy.   and it can actually be fun and we can get doctors and team members aligned to be able to work in tandem together. And so that's why we're here today. I'm super excited because honestly, staying ahead of these trends is going to help you have long-term practice success. I've really been watching in the offices that we consult, the ones that are adapting and early adapters to technology, I think are going to be in the forefront. And so really just looking at where you are in the life cycle of your practice, looking to see where you want to be in the next five to 10 years.   and not making decisions to sell or to go to a DSO or to stay in a legacy practice out of necessity, but actually out of choice. So number one, I think that AI is coming in. AI is coming in pretty popular. There's a lot of different things. So we're having it in diagnostics. So like Pearl and Overjet, they're able to help co-diagnose with you. There's 3D printing that's coming in. I know offices are using AI and creating bots. We have an office.   where they've created an actual 24 hour a day bot for their practice. And I really think right now is a time for you to be learning. So whether it's 3D printing within your practice, automating our patient communication, looking into AI like this practice where they have a bot, using chat GPT for other things, utilizing AI, think helping practices with case acceptance. We've talked with Pearl, I've had Pearl on the podcast before, but what's crazy cool about that is offices are utilizing it.   actually you're seeing like a 30 to 50 % increase in case acceptance just by using this AI assisted technology. And I prefer Pearl over Overjet. Honestly, I think that there's no wrong choice on it. But the reality is like, I think you've got to get these things in motion. You've got to start looking for them. Otherwise, I really am concerned for you as a practice that you will accidentally become outdated. So really making sure that you are, you're working through this, that you are adding these things in because I think   AI is going to rapidly take off. And if you're not prepared, I think you will be outdated. So that's opportunity number one. So I'd say get involved in some sort of AI, whatever it is, even if you just start dabbling in chat GPT every single day, whatever it is, but really starting to utilize that. Opportunity number two. Now these are the opportunities that I see in the next five to 10 years. I think they're hitting this now. But number two is going to be like looking at membership plans, fee-per-service.   looking at some of those things. Now I'm not here to say drop insurance plans. I've actually been, think a consultant who's been pretty adamant about hanging onto insurance plans for as long as you can, pending upon what you want to do for marketing. If you're an incredible marketer, rock on, you might not need it. But insurance is just going to be something where I feel over time, it's going to get a little bit funkier. I don't think you're going to see a huge increase in insurance funds. I could be totally off on this. I'm not stamping my like everything that I am, but I think like, let's pay attention to it and let's see.   costs are rising in dentistry, but insurance plans are not paying a lot. And so could we start to shift our patient base? Could we start to retain our patients and actually build this fee for service model in? Now you've got to be super careful and I'm going to put like huge asterisks and exclamation points and pieces around it because if you do not transition out of insurances correctly and have a plan and a process and a patient experience in place, you will get like, I've seen it be so bad for practices. So really I think like,   One, if you don't have an in-house membership plan, let's get that started. I'm very pro these. It allows you to have options in the future. It allows you to have different marketing strategies. I think a lot of people are just looking at benefits at a different way now. And I think it just helps you to not be as dependent upon insurance in the future. Then number two is assess your insurance plans. And let's see, are there maybe any insurance plans that we could drop that aren't really going to hurt your production? You really got to do this strategically. Otherwise it will burn you in the booty.   and I do not want you to be at that practice. I've had too many of those offices, so let's make sure you're not there. And then make sure that we're like really getting people sticky to our practice. I think this will be a really, really, really big change for people. And then also it's something where even as fee for service patients, if you can get them on membership plans, I can speak for myself. Being on a membership plan, I actually came in for my two cleanings as opposed to a fee for service patient who often will only come in one time.   So I think it's just another way for you to have more patient flow, more opportunities to diagnose by having that membership plan. I have a practice where they were, this is me as a patient, I was going to them and they had a membership program. The doctor left, branched off, opened up their own practice and they don't have a membership program. And I was like, well, sweet, maybe I'll just go to you once a year. This is as a consultant. I know I need to go in twice a year. I know I have amazing teeth, but I don't need to go twice a year. Like honestly, if I only go once a year, my teeth are probably fine.   but if they had put me on a membership plan, there are other opportunities. For example, you could offer me a night guard, you could do whitening on me, you could do fluoride treatments on me, but because they're not putting into place a membership plan, odds are I probably won't be going back. So look to see how can we actually get our patients to be retained in our practice, not dependent upon insurance. So when we start to trickle that down, we start to convert more and more of our patient base. And what I will say is a lot of practices have transitioned say,   30 % of their patient base over to a membership plan. They start practicing on this, they start getting used to it. So when they want to drop insurance plans, they have a solution that's been really ingrained into their practice. The team's really good. I'm obsessed with companies like Dental Menu. I think that they do a great job for membership programs. I think that they've got a great one built. BoomCloud Clear. So you can just take a look to see who you like the most for it. And then I'm really obsessed with Moola. Moola, I think is a great credit card processor for you.   that actually helps you with your membership programs in-house so you can actually save on your credit card fees. I'm really pro them. Any of these companies that I'm recommending today, be sure to tell them, Denali team, you heard it on the podcast because they actually have a referral pricing for you. So that's what I negotiate. We don't do hardly any affiliates within our company. I just negotiate the lowest fees for you. but really I think looking to see, I think it's an opportunity for you with insurance plans and the economy to start adding in a membership.   Opportunity number three for you is looking into, tell the dentistry I don't think like hot, hot, but I do think virtual consult and online payments. So how can we make things easier for people? So can we get a virtual consultation? Can we start to have, I know there's like, we've had other people on our podcast before where they do virtual, like your smile, what is it? Your virtual smile consult. And what you can do is you can actually do treatment planning. You can have new patients meet you.   You can have videos on your website where it's like, hey, I'm the doctor. They can actually ask questions to the doctor. I have seen a lot of this with bigger cases come into pretty strong effect. Also, if you're wanting to do say consultations where maybe we're doing bigger treatment plans or even like full mouth cosmetic, there's a lot of those that I think are out there to help virtually. I have a doctor and they do a lot of what's called hybrid. So all on X cases and there's a software they can literally use and show the patient their new smile sitting in the chair.   So I think whether you're having patients virtually meet you or if you're using that technology within the chair to help present your cases better, having online options, so online scheduling, online payments, those types of things I really think we need to get more into the virtual world. I think dentistry is a smidgey dated. So I would strongly recommend for you on this to see how can you actually add these pieces into your practice because I do think these are going to like enhance you and just be something patients are expecting. Right now patients are expecting online.   patient scheduling, they're looking for online payments. They're looking for, mean, think about it. If I want to have a consult, my husband and I, we've done IVF. I've talked about it a couple of times on the podcast. I did a virtual consultation with my IVF doctor in another state and we went and we went, now, if you know IVF, IVF's around a 20 to $25,000 process per cycle. And so thinking about that in comparison to dentistry, they literally did virtual consults with me so I could be out of state, I could fly in.   I didn't have to actually be there. And so looking to see, that's what modern medicine is doing. What things could we actually do in dentistry that might be able to help us out as well? So I really think looking for that, that's where I mentioned Moolah, they're great for online, your smile, your virtual, gosh, I'm like botching it. I think it's your smile virtual consult, virtual smile consult. Look it up, that one I'm not as strong on. But just see how can we incorporate some of these items within our practice.   And I would really say that when you do this, you're able to get those high case acceptance. You're able to have more patient acceptance. Think about it. We're paying bills online at night. We are also scheduling appointments. I am constantly on my phone in the middle of the day, at night, on the weekends, moving appointments around, looking to see. And I think if we're not offering that for our patients, we're actually gonna get left behind because patients might accidentally leave you to go to a practice that's actually more up to date. So definitely.   Let's get into how can we become more virtual online. I think it's a huge, huge, huge opportunity for practices. Like I said, I think those are the top three opportunities right now. So we've got AI, membership programs, and then getting more virtual. So virtual consults, virtual like having more available online options. And then I think two of the big challenges in the next five to 10 years, which I think we're seeing it, which I think tie into the opportunities are,   We know it's expensive to run a dental practice. And I think dentistry has had this like nice run for quite a few years, decades where they've been able to stay in a very profitable margin. Hence why DSOs have entered the playing field. And so I think with inflation, higher payroll, supply costs, I think that there's some things in there to pay attention. And number one is you've got to know your number. So I'm really pro overhead calculators, looking at it, having your team involved with you, making sure that all of you are on the same page.   Those are gonna be some really good ways for you guys to stay on top of it, not falling out behind the scenes and figuring it out. Then utilizing buying group things. So for example, Synergy is a great buying group. You buy from your own preferred vendor, but you just get a discount on your supplies. Why not do things like that? How can we actually look to see, can we hire hygienists in and then have a base plus commission? and I were on the podcast.   a couple of weeks ago talking about how we can incentivize hygienists and not have to have as high of payroll, but really looking to see what are the ways that we can do this, looking to see how we can increase our fees, doing a 5 % fee increase, negotiating with insurances or possibly dropping some of those lower paying ones. What are some of these pieces? And what I will say is When you watch your numbers and you analyze your overhead, I promise you, you will be more profitable. So right now we're like, gosh, it's so expensive, which I'm not here to say it's not.   But there's offices out there that are running at a 35% overhead. So that means there's 65% profit margin for them. So looking at that and knowing that there's practices that are able to do that, that means once we know it's possible, then we can look for how you can do it in your practice as well. Now I understand that there's different areas. California is expensive. Hawaii is expensive. Like I hear you, but that doesn't mean that it's impossible. And I think being a wise steward over your numbers is actually something that I really would implore you to do.   to make sure that as costs rise, you know what you're actually spending money on. So you can actually make better decisions. look to see, can we hire this person? Are we paying within the realm? What do we need to do? Could we add on other services within our practice? all on X cases, ortho cases, things like that. But I really think like it's a huge challenge that I think you've got to stay on top of. Otherwise, before you know it, you're gonna just be like inundated and not be able to hire team members because we weren't watching it. We didn't know our numbers. We didn't know what we needed to be producing.   We didn't build block schedules to make sure that our practice could actually run lean and efficiently. And then challenge two, which I think has been hitting hard, which we'll just kind of address, is like staffing shortages and team retention. But I will say that this is like an if. Like there's so many offices out there that I know have incredible cultures. And so what I really feel like needs to happen in this realm is you've got to be an office that in a place that people want to work for. I started noticing that the new currency is time.   Time is the new currency, I think, in where we're at right now. Time and compensation and being happy. But I don't think it's as high on compensation as people think it is. Yes, it's a piece, but I see team members that are getting paid less, but for great cultures are saying because they want this work-life balance. They want more time. They want to be able to be with their kids. They want to be able to feel appreciated with their boss. They want to feel like they're doing a great job. And that is more the currency of today. And so how can you build this culture where   We attract a bunch of people to our practice. We have team members that want to stay with us and that we actually know that, like, we're looking to see how can we maximize this. I am seeing a trend, I'm not saying this is how you have to be, but I am seeing a trend where there is a four-day work week of employees actually tends to lead to less burnout and less team turnover. I don't know what it is. My five-day practices tend to have a bit more of that, but the four-day, and again, they, so they're not,   just open four days or open five days, but they have these rotating shifts and rotating days where they're off. I have seen that that's helping. And so I really feel that when you can build this amazing culture, build it to be a place where you're excited about, add fun things in, watch your overhead, watch those costs. But I really think it's something that's possible. think back to why you started to practice. You wanted to change, you wanted to do things differently. You want to have a team where you were so excited. I know that's what I get excited about. love, I love having a team. love.   loving on them. I love giving them opportunities. I love seeing them flourish in their lives. I love being excited for the growth they're having and so really trying hard to build this incredible team culture to cut the team turnover, to keep it to where you're this like raved about practice where everybody wants to work for you. I think would really, really be an incredible thing for you to just take on. And I know we've heard about it, but I think like, look at your culture, look at the things. I had to do a deep dive of this last year.   Britt and I, sat there and we're like, all right, what is the team saying? What are the issues that we know we're seeing consistently? And what do we want to do to change to make this a better environment and a better space? And I feel that only teams in incredible culture, but there were things that we were struggling with. were things of that we needed to change. There were things that had shifted since I started the company. And I think you've got to stay on top of that. Otherwise, I think you can easily get outdated. So that's a quick wrap.   I think the biggest opportunities are definitely AI membership programs and then also getting virtual, like getting everything up to date and online. And then challenges of course are going to be higher costs and then staff shortages and team retention. But I honestly believe that those who adapt, those who innovate, those who listen to this and they don't just passively listen but actively implement are going to flourish. They say a lot of times the biggest millionaires and billionaires are born during times of hardship and harder times. And so I think   Instead of looking at this like, my gosh, the world is falling apart. Look at this. I'm like, this is the greatest time in dentistry. This is where you get to rise to the top. This is where adding customer service or doing unreasonable hospitality or being a different work culture will actually set you apart. Like you have a chance, like it's not all just set anymore. You have a chance to shuffle and ruffle and make your way to the top. And I honestly believe that you can future-proof your practice. You can get ahead of these trends. You can look ahead and   You can be the practice who is proactive and looked and saw where to get the worm and how to navigate your practice rather than being the one who wished that they would have innovated sooner. And so really just to call the action and truly if you want to future proof your practice, you want to get ahead of these, us. We're on Instagram, DentalATeam or email us, Hello@TheDentalATeam.com I'm happy to pop on a strategy session with you, give you a free practice assessment for your practice to look at maybe where the gaps are, maybe where your blind spots are, maybe we can help you out.   And honestly check out our newsletter. We have a newsletter that goes out so you can always subscribe go to our website TheDentalATeam.com We try to keep you guys on top of this of just insights and knowledge to where we can really help you and your practice thrive And so really this is truly what the Denali team does. This is who we are This is what we love to do and if you're ready to take on opportunities and overcome your challenges reach out Now's the time I do not believe that having a practice should be hard. I do not believe that these things are just   Let me talk about it. It's time to implement. time to take action. And it's time for you to be the elite practice that you were destined to be. And as always, thanks so much for listening and I'll catch you next time on the Dental A Team podcast.  

In This Episode, We Cover:What success looks like for entrepreneurs in 2025How to build real wealth (hint: it's not about 7 figures—it's about freedom)The core marketing principles that still outperform AI gimmicksThe power of email, data, and owning your audienceHow to build and scale community in a disconnected digital worldHow Moola is helping the next generation become financially savvy

Is inclusivity genuinely at the heart of your FinTech business leadership? Here's how to know:In the latest episode of FinTech's DEI Discussions, host Nadia sits down with Mia Patel, CEO and Owner of Moola Pay, to discuss the importance of inclusivity, breaking barriers in FinTech, and the power of leadership driven by empathy.Mia shares her inspiring journey from door-knocking in the payments industry to leading a successful business with a strong focus on equality and mental health support for her team. FinTech's DEI Discussions is powered by Harrington Starr, global leaders in Financial Technology Recruitment. For more episodes or recruitment advice, please visit our website www.harringtonstarr.com

Achieving Success with Olivia Atkin Episode 125 "Unlocking The Moola Mindset For Achievable And Sustainable Financial Success with Jason Schappert"Olivia talks personal and professional achievements with Jason Schappert. Jason is the founder of Moola, an AI-driven investment platform designed to simplify complex financial concepts and offer personalized insights that empower users to make informed investment choices. With a background as a serial entrepreneur, Jason successfully built and exited a previous venture, showcasing his talent for creating impactful businesses from the ground up. He is a passionate advocate for financial literacy, dedicated to making financial tools and knowledge accessible to everyone. Through his leadership and commitment to empowering the next generation, Jason aims to create a world where financial security is achievable for all.Join Olivia every Tuesday as she brings on top notch guests to talk about how they are Achieving Success! Career Development Book and More at Achieving-success.comStay Connected With Us:Linkedin: https://www.linkedin.com/company/achieving-success-llcInstagram: @_achievingsuccessTwitter: @_achievesuccessFacebook: @Achieving SuccessYou can find Jason Schappert:Website: https://moo.la/Email: jason@moo.laBecome a supporter of this podcast: https://www.spreaker.com/podcast/achieving-success-with-olivia-atkin--5743662/support.

Jason Schappert is a serial entrepreneur who boot strapped his last business from zero to an 8 figure exit and is doing it all over again with his newest business Moola which is working to empower members towards their journey of financial freedom. Top 3 Value Bombs 1. The truth of the matter is you don't have to get it right, you just have to keep it going. 2. Industries are revolutionized when an outsider comes in. 3. Innovation happens when you unveil your eyes that you don't have to be in the same industry that you are in. Unlock The Power Of Your Paycheck With Moola's Magic - Moola Sponsor YT 100: Email JLD to learn more about making YouTube magic in 100 days: john@eofire.com  

Jason Schappert is a serial entrepreneur who boot strapped his last business from zero to an 8 figure exit and is doing it all over again with his newest business Moola which is working to empower members towards their journey of financial freedom. Top 3 Value Bombs 1. The truth of the matter is you don't have to get it right, you just have to keep it going. 2. Industries are revolutionized when an outsider comes in. 3. Innovation happens when you unveil your eyes that you don't have to be in the same industry that you are in. Unlock The Power Of Your Paycheck With Moola's Magic - Moola Sponsors  Eric Tivers is a licensed clinical social worker, ADHD coach, and host of ADHD reWired. He's dedicated to helping ADHD adults live more intentional lives while avoiding burnout. Top 3 Value Bombs 1. Hustle culture is toxic culture. 2. You need to have a balance and perspective. You need the other areas in your life that are not related to your business to help you not to get burned out with your work and business. 3. Rest isn't a reward but it is required. Our brain needs rest and we need enough sleep. Check out Eric's website - ADHD reWired Sponsors YT 100: Email JLD to learn more about making YouTube magic in 100 days: john@eofire.com

Jason Schappert grew up in an entrepreneurial family. His Mom and Dad were always working together, and never had jobs. Jason's first job was working for his parents pest control company, where he crafted his understanding of what success looked like. Outside of tech, he is married with 3 kids, and is very into all of their sports. Fun fact, his kids enjoy doing their homeschooling in the office with their Dad, listening to calls and asking big questions - so business is actually what they do for fun.For 16 years, Jason grew and ran a business in aviation. After a successful exit, he and his wife Magda were considering what to do next. She quickly remembered all of the things Jason did behind the scenes to setup their personal finances for success, in the midst of a chaotic startup life.This is the creation story of Moola.SponsorsSpeakeasyQA WolfSnapTradeLinkshttps://moo.la/https://www.linkedin.com/in/jasonschappert/Our Sponsors:* Check out Kinsta: https://kinsta.com* Check out Vanta: https://vanta.com/CODESTORYSupport this podcast at — https://redcircle.com/code-story/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Send us a textAlright, if you've ever felt stuck in overthinking mode, this one's for you. My guest today is Jason Schappert, a guy who went from teaching people how to fly to building a thriving online business without a fancy business plan or a pile of investor cash.Jason and his wife bootstrapped one of the biggest FAA test prep platforms from scratch, and here's the kicker—he started with just 8 lessons and figured the rest out as he went. In this episode, Jason breaks down how he turned a niche business into a massive success, the biggest lessons from wearing all the hats as a solopreneur, and why perfection is the enemy of progress.If you're an entrepreneur, content creator, or someone who's been waiting for the 'right time' to start—this is your sign.In this episode, Jason breaks down:✅ How to start BEFORE you're ready (perfection is the enemy of progress!)✅ What it really takes to scale a business—from wearing all the hats to building a team✅ The power of consistent action (big wins come from small, daily moves)Big Takeaways from Jason:-"You don't have to get it right, you just have to get it going."-"Behind the scenes, business is messy. But that's where the real magic happens."-"If you wait for perfect, you'll never start. Just hit the ball in one more time and keep going."Follow Jason at @moola_copilot on TikTok, YouTube, Instagram, and Facebook for more insights on investing, saving, and building smart financial habits.Want to take control of your finances? Check out the Moola app and start making your money work smarter.If this episode gave you a lightbulb moment, share it with a friend who needs to hear it! And hey—if you're loving the show, drop a review and let me know what resonated with you. I read every single one.

 In this episode of Zero to CEO, I speak with entrepreneur, investor, and innovator Jason Schappert about his journey from bootstrapping a business to an 8-figure exit and how he's now empowering others to achieve financial freedom through Moola. Jason shares his passion for financial literacy, the mission behind his AI-driven investment platform, and practical insights for building successful ventures. We discuss the mindset needed for entrepreneurial success, navigating niche markets, and achieving personal and financial goals. Whether you're starting your first business or looking to level up your financial strategies, this episode provides actionable advice from a seasoned entrepreneur dedicated to making a meaningful impact. 

Jason Schappert reminds founding host Dean Rotbart of a young Steve Jobs, Apple's co-founder, who Dean met and wrote about when he was a financial columnist with The Wall Street Journal. Like Jobs, Jason is dynamic, a visionary, and at only 36 years old, well along the fast track to success. Jason and his wife, Magda, built an aviation education company, MzeroA, and sold it for an impressive 8-figure sum.  As an encore, the couple recently launched an AI-driven investment platform — Moola — directed at middle-class consumers, providing the same insights and tools typically reserved for the rich and ultra-rich.  Jason knows what it takes to build a business from scratch, scale it, and — when the time is right — exit profitably. Sit back and take notes as Jason offers a clinic on ways to leverage passion, identify opportunities, and make bold decisions. Monday Morning Radio is hosted by the father-son duo of Dean and Maxwell Rotbart. Photo: Jason Shappert, Moola Posted: February 3, 2025 Monday Morning Run Time: 52:21 Episode: 13.34 RELATED EPISODES Former F-16 Fighter Jet Pilot Rob Shallenberger on Leadership Veteran Combat and Military Test Pilot Brett Vance's New Video Series Take it from a Man Who Rowed Across the Atlantic Ocean, You Can Achieve “Impossible” Goals

What if you could transform failure into a catalyst for success? Join us as we unpack this intriguing concept with Jason Schappert, a visionary entrepreneur in the financial technology sector. Growing up in an entrepreneurial family, Jason witnessed firsthand the delicate balance between failure and success. He shares his personal insights on viewing setbacks as learning opportunities, urging aspiring entrepreneurs to embrace challenges as a pathway to growth. Discover how Jason's journey from his family's pest control business to the skies of aviation exemplifies the power of resilience and passion in achieving one's dreams.Our conversation spans the significance of passion and persistence, drawing from Jason's childhood memories and the lessons his father imparted. Jason's early encounters with aviation opened his eyes to the rewards of pursuing what truly lights you up. You'll hear about the importance of goal-setting and visualization in achieving success, inspired by timeless works like "Think and Grow Rich." Jason underscores the richness of aligning personal visions within a team, highlighting that true success is measured not just by financial gains but by the fulfillment of passion, learning, and leadership.Jason's story of overcoming setbacks, including his own missteps during flight lessons, serves as a powerful metaphor for the entrepreneurial journey. He eloquently illustrates how humility and applied learning can turn apparent failures into stepping stones towards greater achievements. With insights into personal finance strategies and the concept of financial "guardrails," Jason encourages listeners to see adversity as an opportunity for growth. Tune in and learn how the right mindset, coupled with the support of a dedicated team, can drive you to turn failures into a triumphant comeback.

Nurul Islam Seerah Jalsah – Mufti Sulaiman Moola by Radio Islam

Jason Schappert, Co-founder of Moola, an AI-driven investment platform that simplifies complex financial concepts and provides personalized insights and recommendations to help users make … Read more The post How the definition of success can change over the years appeared first on Top Entrepreneurs Podcast | Enterprise Podcast Network.

SummaryIn this episode of the Fuel Your Legacy show, host Sam Knickerbocker interviews Magda Schappert, who shares her inspiring journey from a small island in Mallorca to becoming a successful entrepreneur in America. Magda discusses the importance of financial education, the challenges of entrepreneurship, and the creation of her new platform, Moola, aimed at empowering individuals with financial knowledge. The conversation emphasizes the significance of mindset shifts, family support, and the necessity of building systems for long-term success and legacy creation. In this engaging conversation, Magda Schappert and Sam Knickerbocker explore themes of personal growth, the importance of showing up, and the need for financial education. They discuss the lessons learned from separation, the power of persistence, and the innovative approach of the Moola app in simplifying financial management. The conversation emphasizes the significance of pursuing dreams at any age and the transformative potential of technology in the financial sector.Chapters00:00 Introduction to Magda's Journey01:56 From Mallorca to America: Pursuing Dreams05:48 The Entrepreneurial Struggle: Building Together10:03 The Birth of Moola: Financial Education for All14:45 Mindset Shift: From Survival to Abundance20:01 Creating a Legacy: Systems Over Struggles24:53 Overcoming Doubts: Family Support and Dreams29:58 The Growth Through Separation35:17 The Power of Showing Up39:40 Navigating Financial Education with Mula49:58 The Future of Financial Management

Jason Schappert is a serial entrepreneur and financial technology visionary dedicated to empowering individuals to achieve financial freedom. He is the co-founder of Moola, an AI-driven investment platform that simplifies complex financial concepts and provides personalized insights and recommendations to help users make informed investment decisions.  Prior to Moola, Jason successfully built and exited a previous business, demonstrating his entrepreneurial prowess and ability to build successful ventures from the ground up. He is a passionate advocate for financial literacy and believes that everyone deserves access to the tools and knowledge necessary to achieve financial security. Jason is a strong leader, committed to continuous learning and personal development, and a devoted husband and father.  His mission is to empower the next generation to take control of their financial futures and create a world where everyone has the opportunity to achieve financial freedom and live a life free from financial stress. More of Jason:  Website: www.moo.la YouTube: @Moola-Copilot Facebook: @MoolaCopilot Instagram: @moola_copilot

Jason Schappert is a highly accomplished pilot and entrepreneur who's dedicated his career to making aviation more accessible. He's not only a certified flight instructor and airline transport pilot, but also the founder of MzeroA.com, an online platform that offers comprehensive flight training resources. Jason's passion for teaching shines through in his eight aviation books and his popular YouTube channel, where he shares his expertise with aspiring and experienced pilots alike. Jason's journey in aviation began at a young age, and he quickly made a name for himself with his exceptional skills and dedication. He was recognized as AOPA's Top Collegiate Flight Instructor and received numerous awards for his outstanding teaching abilities. His commitment to aviation safety and education has led him to develop innovative training programs, including the Future Pilots Flight Academy for young aviation enthusiasts. Beyond his work as an instructor, Jason is also a successful entrepreneur. He founded MzeroA.com, which has grown into a leading provider of online ground school courses. The company's interactive learning style and comprehensive curriculum have made it a popular choice for pilots around the world. Jason's entrepreneurial spirit has also led him to produce the Flying Again film, which encourages pilots to return to the skies after a break from flying. In recent years, Jason has expanded his reach even further by partnering with the University of Arizona to offer his aviation training courses to a wider audience. He's also embraced social media as a powerful tool for sharing his knowledge and connecting with fellow aviation enthusiasts. You can find him on TikTok as @moola.copilot, where he shares his insights on aviation and offers advice to aspiring pilots. Jason Schappert's dedication to aviation education and his entrepreneurial spirit have made him a respected figure in the aviation community. His work has helped countless pilots achieve their dreams and has contributed to a safer and more accessible aviation industry. For More Info: https://www.tiktok.com/@moola.copilot

Jason Schappert is a serial entrepreneur and financial technology visionary dedicated to empowering individuals to achieve financial freedom. He is the co-founder of Moola, an AI-driven investment platform that simplifies complex financial concepts and provides personalized insights and recommendations to help users make informed investment decisions.Prior to Moola, Jason successfully built and exited a previous business, demonstrating his entrepreneurial prowess and ability to build successful ventures from the ground up. He is a passionate advocate for financial literacy and believes that everyone deserves access to the tools and knowledge necessary to achieve financial security.Jason is a strong leader, committed to continuous learning and personal development, and a devoted husband and father. His mission is to empower the next generation to take control of their financial futures and create a world where everyone has the opportunity to achieve financial freedom and live a life free from financial stress.Visit https://porkbun.com/BuildYourNetwork24 and get your .PRO domain for just $1 for the first year at Porkbun!Our Sponsors:* Check out Quince: https://quince.com/travisAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

How does a flight instructor turn financial struggles into a groundbreaking fintech? Jason Schappert, founder of Moola, shares his journey from teaching aviation to empowering financial literacy through innovative fintech solutions. From being a college dropout to building a multi-million-dollar online flight school, Jason turned challenges into opportunities and now helps others navigate their own paths to success. In this episode of the Rising Tide Startups podcast, Jason talks about the lessons he learned from running and selling his aviation business, and how he found markets that needed help to create Moola, a platform made to make personal finances easier. He gives useful tips on finding your niche, trying out business ideas, and building a successful business.  Jason has broken down the complex into simple, actionable steps, and empowered countless aspiring entrepreneurs and everyday individuals to reach their goals.  Here are the key takeaways from the conversation: Leverage early adopter platforms like YouTube and TikTok to build a loyal audience and validate business concepts. Clean and professional financial record-keeping is crucial for attracting potential investors and acquisition opportunities. Focus on serving an underserved market demographic by understanding their specific challenges and communication styles. Automate savings and financial processes to make complex financial management more accessible and user-friendly. Embrace incremental progress by prioritizing consistent small wins over seeking unrealistic overnight success. Social media is a powerful tool for market research, audience engagement, and viral marketing strategies. Build products that simplify complex topics and make intimidating processes (like investing) more approachable for younger generations. Personal branding and storytelling can be powerful differentiators in crowded market spaces. Listen to the full conversation here: YouTube: https://www.youtube.com/@risingtidestartups Apple Podcast: https://podcasts.apple.com/us/podcast/rising-tide-startups/id1330525474 Spotify: https://open.spotify.com/show/2eq7unl70TRPsBhjLEsNZR Connect with Jason Schappert: LinkedIn: https://www.linkedin.com/in/jasonschappert/ Moola: https://moo.la/ Please leave us an honest rating on Spotify, YouTube, or Apple Podcasts. Shoutout to our Great Sponsors:  Naviqus Virtual Services - Hassle-free administrative support services that are efficient, affordable, and tailored to your needs. Check out https://naviqus.com now to jumpstart your business for 2024! Have you ever considered starting your own podcast for your company or brand?  Podbrandmedia.com can help.  Affordable and effective in content creation and lead generation!

Jason Schappert is an accomplished entrepreneur and aviator who bootstrapped his way to an 8-figure business exit and is now revolutionizing the finance world with his latest venture, Moola. This AI-driven stock scoring and decision engine is designed to help the next generation of investors achieve financial freedom. But that's just one chapter in Jason's story! Here's a quick overview of his achievements: Began his journey in the aviation industry, founded MzeroA Authored 8 flight training books Produced the acclaimed “Flying Again” film Earned multiple awards, including AOPA's Outstanding Flight Instructor of the Year MzeroA was named the Inc. 500's top growing private companies and “Best Place to Work” What you will learn How AI-driven tools like Moola can simplify investing by analyzing stocks and tailoring recommendations to your risk profile. Why resilience and learning from setbacks are crucial for entrepreneurial success. How to build and scale a subscription-based business using innovation and community engagement. The benefits of smart financial habits, such as automating savings and focusing on long-term investing. How professionalizing your business systems can set the stage for sustainable growth and successful exits.

Many people feel overwhelmed by the world of investing, often unsure where to start and intimidated by the sheer complexity of financial markets. The fear of making the wrong move or missing out on opportunities can leave people feeling like they're falling behind financially. Building wealth doesn't have to be complicated, though—it often starts with simple, consistent steps, like learning basic investment principles or setting small financial goals. Jason Schappert is a seasoned entrepreneur who has successfully bootstrapped his way to an eight-figure business exit. He has been involved in various industries, including aviation, and has a passion for teaching and sharing his financial knowledge with others. Today, Jason discusses his latest venture, Moo.la, an AI-driven stock scoring and decision engine aimed at helping the next generation of investors achieve financial freedom. Stay tuned! Resources Moo.la: Unlock the Power of Your Paycheck with Moola's Magic Jason Schappert on Facebook Jason Schappert on LInkedIn

Decode Your Birth Chart at Vedic Astrology 101: Click here to learn more and enroll: https://www.quietmindastrology.com/101 - This week only, save 60% Let's look at the 2024 US Presidential Election! I'll show the current energies at play effecting the US and the collective, then compare the charts of Donald Trump and Kamala Harris. Plus this weeks transits • Fri, Nov 1: New Moon in Swati / Libra • Tue, Nov 5: Sun in Vishakha (13 Days) • Wed, Nov 6: Venus in Moola (10 Days) • Wed, Nov 6: Venus in Sagittarius (25 Days) Free Weekly Horoscopes & Exclusive offers: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.quietmindastrology.com/freehoroscopes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Free Vedic Birth Chart & Training:⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.quietmindastrology.com/freebirthchart⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.instagram.com/quietmindastrology⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.quietmindastrology.com/youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Mentorship Waitlist: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.quietmindastrology.com/mentorship⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Keywords: nakshatras, grahas (planets), rashi (zodiac signs), bhavas (houses), mahadasha, antardasha, jyotish (astrology), yoga (planetary combinations), doshas (afflictions), kundali (birth chart), transits, retrograde, aspects, dasha system, remedies, mantras, shani, chani, chandra, mangala, Aries, Taurus, Gemini, Cancer, Leo, Virgo, Libra, Scorpio, Sagittarius, Capricorn, Aquarius, Pisces. Sun, Moon, Mercury, Venus, Mars, Jupiter, Saturn, Uranus, Neptune, Pluto, Rahu, Ketu.

Jason Schappert is a serial entrepreneur and financial technology visionary dedicated to empowering individuals to achieve financial freedom. He is the co-founder of Moola, an AI-driven investment platform that simplifies complex financial concepts and provides personalized insights and recommendations to help users make informed investment decisions. Prior to Moola, Jason successfully built and exited a previous business, demonstrating his entrepreneurial prowess and ability to build successful ventures from the ground up. He is a passionate advocate for financial literacy and believes that everyone deserves access to the tools and knowledge necessary to achieve financial security. Jason is a strong leader, committed to continuous learning and personal development, and a devoted husband and father. His mission is to empower the next generation to take control of their financial futures and create a world where everyone has the opportunity to achieve financial freedom and live a life free from financial stress.

Magda Schappert is a passionate advocate for financial empowerment, dedicated to helping individuals become the best version of themselves, raise their standards, and achieve freedom. Alongside her husband Jason, she successfully built and exited an 8-figure business, gaining invaluable experience in entrepreneurship and business strategy. Now, with Moola, Magda leverages her expertise to empower the next generation through accessible financial education and cutting-edge technology, making complex financial concepts understandable and actionable for everyone.Magda shares her wisdom from her unique 8-figure business exit journey with her husband, and her passion for the following subjects:Balancing entrepreneurship and motherhood.Why financial literacy for families and women is crucial in today's society.The dynamics of working alongside your spouse.Actionable insights and advice for women aspiring to break into entrepreneurship, leadership, and high-level business.Selling a business is the American dream, the pot of gold at the end of the rainbow, the reward for years of hard work. Successful entrepreneurs make countless sacrifices in hopes that they would someday reap the benefits of their labor and live a new life of vacations, recreation, and prosperity. You only exit your business once, so you should feel confident passing this milestone. A successful business exit reflects the preparation done beforehand. Failing to plan is planning to fail. The owner of a privately held company has several alternatives on how to exit their business. In the absence of an exit strategy, events will inexorably dictate the final exit plan. A costly involuntary exit may be caused by death, disability, divorce, disagreement, or distress. Selling Your Business with David King will help you take control of the sale process and make it positive one.

Want a quick estimate of how much your business is worth? With our free valuation calculator, answer a few questions about your business and you'll get an immediate estimate of the value of your business. You might be surprised by how much you can get for it: https://flippa.com/exit -- In this episode of The Exit: Jason Schappert, founder of M0A, shares his journey from flight instructor to successful entrepreneur, specifically discussing how he bootstrapped M0A, an online aviation education platform, from zero to an eight-figure exit over 16 years. Jason highlights the challenges of disrupting traditional aviation education by moving ground school online, facing skepticism but ultimately proving successful. The exit process, initiated by a customer inquiry, took 10 months to complete. While that sounds like smooth sailing, Jason mentions how valuable the two previously failed acquisition attempts were in preparing the company for its eventual successful exit and the importance of subscription-based revenue and proprietary technology in achieving a favorable valuation. For more details and insights from his entrepreneurial journey, listen to the latest episode of The Exit. -- Jason Schappert is a serial entrepreneur and financial technology visionary dedicated to empowering individuals to achieve financial freedom. He is the co-founder of Moola, an AI-driven investment platform that simplifies complex financial concepts and provides personalized insights and recommendations to help users make informed investment decisions. Prior to Moola, Jason successfully built and exited a previous business, demonstrating his entrepreneurial prowess and ability to build successful ventures from the ground up. He is a passionate advocate for financial literacy and believes that everyone deserves access to the tools and knowledge necessary to achieve financial security. Jason is a strong leader, committed to continuous learning and personal development, and a devoted husband and father. His mission is to empower the next generation to take control of their financial futures and create a world where everyone has the opportunity to achieve financial freedom and live a life free from financial stress. Websites: https://moo.la/ Instagram: https://www.instagram.com/moola_copilot/ LinkedIn: https://www.linkedin.com/in/jasonschappert/ Check Out Flippa's Data Insights Tool: https://flippa.com/data-insights -- The Exit—Presented By Flippa: A 30-minute podcast featuring expert entrepreneurs who have been there and done it. The Exit talks to operators who have bought and sold a business. You'll learn how they did it, why they did it, and get exposure to the world of exits, a world occupied by a small few, but accessible to many. To listen to the podcast or get daily listing updates, click on flippa.com/the-exit-podcast/

Practical Productivity | Nabeela Moola by Radio Islam

Ml Sulaiman Moola Pay Tribute to Ml Muhammed Dhodat by Radio Islam

ALLAH WANTS YOU TO DEAL WITH JEALOUS PEOPLE BY DOING THIS | Sulaiman MoolaBecome a supporter of this podcast: https://www.spreaker.com/podcast/learn-about-islam--5484193/support.

Mufti Sulaiman Moola gives a lecture on the eid day in Lenasia.

'Om Shri Ramaya Namah' is the Moola (Source) Mantra of Rama, revered as the 7th incarnation of Vishnu. Rama is held as the upholder of Dharma, the righteous way of living, and hailed as the ideal king and human being. This Mantra salutes Rama, who can bring balance, peace, and happiness to life, and prays for his warrior energy, inner focus, and personal integrity to reside within the devotees. This Mantra chanting can bestow good health, longevity, and prosperity in life.    Lyrics:  Om Shri Ramaya Namah

Burning Desire Fulfilled: Mufti Sulaiman Moola's Journey to Graduating in the Iftaa Course by Radio Islam

Why Is Taking Action Today So Important | Sheikh Suleiman Moola

Techish is back with another episode! Hosts Abadesi and Michael break down:Apple Vision Pro (0:40)Meta's stock is booming (3:38)Adam Neumann wants to buy back WeWork (7:30)Is Taylor Swift a psyop? (11:15)Grammy wins and blaccents (14:55)Mr & Mrs Smith reboot (18:25)—————————————————————  Extra Reading:   Adam Neumann Raised More In One Round Than All Black Founders Raised This Quarter [POCIT] ————————————————————  Use the hashtag #Techish on X/Twitter & IGWatch us on YouTube: https://www.youtube.com/@techishpod/Support Techish at https://www.patreon.com/techish  Advertise on Techish: https://goo.gl/forms/MY0F79gkRG6Jp8dJ2  ————————————————————  Stay In Touch:  https://www.twitter.com/michaelberhane_ https://www.twitter.com/abadesi https://www.twitter.com/hustlecrewlive  https://twitter.com/techishpod  Email us at techishpod@gmail.com#techish

Mahalakshmi Moola Mantra(m) is the Basic or Root Mantra, the powerful chant dedicated to Mahalakshmi, the Supreme Goddess of Wealth. Devotees can chant this Mantra 108 or 1008 times, particularly on a Friday falling in the Waxing Phase of the Moon, and pray to the Goddess with sincerity and devotion, which can earn them the Divine grace of the benevolent Divine Mother. Its recitation can enhance income, improve profits in trades and businesses, help accumulate wealth and luxuries, and bestow good health and longevity.

14th Annual Seeraah Jalsa in Lenasia: Ml Sulaimaan Moola by Radio Islam

I ♥ You - A Halal Date For Couples And Singles - Shaykh Sulaiman Moola

Gaining the help of Allah - Sheikh Sulaiman Moola

THOUGHT PROVOKING! A message to the Drug Dealers! Sh Sulaiman Moola

The Ecstasy Of Qur'an | Sheikh Suleiman Moola | Anchored By The Qur'an

Household Express: Guest Nazeerah Bhyat Moola kitchen fails and how to save them by Radio Islam

Ulama Awards - Ml Sulaiman Moola by Radio Islam

In this week's episode, John Strasser takes you into an experience of greater abundance in your life and your business. See what's new: InsightCoachingCommunity.com

Join us as we chat to Sh Sulaiman Moola from South Africa on an array of topics; from poetry to social media, riba to debt. This chat really does have it all. Invest with us at Cur8 Capital: https://cur8.capital/ Remember, with investing, your capital is at risk. This is not financial advice. If in doubt, always talk to a financial advisor. --------

Moola Khatri is the one who wrote that death is truth and life is falsehood. Now, he comes to meet Guru Nanak Dev ji and let us know how he meets Guru Gobind Singh ji too. Tune into this episode to understand how does he meet the tenth guru almost 200 years later?Music: Arms oF Heaven By Aakash Gandhi

Today, Sean poses the question of whether or not technology is getting to be a little too much with a personal story. He also learns the ten new words added to the Oxford Dictionary for 2023. Will the debt ceiling ever recover? Sean doesn't know but he does know that he is indebted to his faithful listeners! Don't touch that dial! You're listening to 103.9, The SEAN!Today's show is sponsored by No Stress Bets! Give us your money and we'll handle it. Use promo code MOOLA for a $15 free bet. Gambling problem? Call 1-800-DUMBASS.Follow us! https://www.instagram.com/103.9thesean/Follow us! https://twitter.com/1039TheSEANSubmit questions, topics, and hate mail!103.9thesean@gmail.com

There is hormonal warfare out there! The changes I have seen over two decades of practice in the hormonal health of people has been scary. That is why this podcast was so important with endocrinologist Dr Sundeep Ruder is so needed.Dr Sundeep Ruder is a clinical endocrinologist practicing from Life Fourways Hospital in Johannesburg, South Africa and medical professor at Wits University. He is a faculty member of Synapse, an international organization exploring the mind-body connection and its connection to endocrinology. He also makes media appearances and publishes on his website Turiya Endocrinology. Join us as we explore:The hormonal landscape – what is hormonal optimization? Why are men's testosterone plummeting? What is happening to women and xenoestrogens? What is precocious puberty? Is the pill overprescribed?Real life stories about what the typical patient suffering from hormonal imbalance or deficiency, their symptoms and what Dr Ruder's simple, objective and holistic approach involves.Testosterone optimization –What it is? Why it's so important? The dangers of starting too young in life? What's TRT? Are there other routes?Human growth hormone- what it is, why it's so big in the longevity world but why Dr Ruder believes this route must be taken with caution. Why Dr Ruder asks people about their “inspiration and initiative versus incentives”?The difference between mass, visceral fat, adipose tissue and waist circumference and why 4 cm can make all the difference.The three big lifestyle interventions in Dr Ruder's experience – sleep, movement and nutrition!Contact:Website: https://turiyaendocrinology.orgMentions:Podcast - Dr Nai'm Moola, https://youtu.be/j8Y21Oh1bXo Support the showSUPPORT THE SHOW ON PATREON:As much as we love doing it, there are costs involved and any contribution will allow us to keep going and keep finding the best guests in the world to share their health expertise with you. I'd be grateful and feel so blessed by your support: https://www.patreon.com/MadeToThriveShowSend me a WhatsApp to +27 64 871 0308.

Earn additional income by sharing your opinion on userinterviews.com!Episode Resources:Heather's TwitterHeather's job search blog postHeather's BlogAbout Heather ReidHeather Reid is a Test Engineer at Glofox. Before that she was the community boss for Ministry of Testing, making sure that the testing community had everything to be successful. Before that, she was a software tester at Exploristics and at Moola.Episode Chapters:00:00 Introduction02:00 What does a test community boss do?06:28 Can we forget our skills?08:00 Attending workshops09:00 4-hour interview experience10:00 Hurtful rejections pile up12:10 Can't ask questions in an interview14:00 A good interview experience19:00 A technical test23:00 Different backgrounds and perspectives26:10 Arguing during an interview30:50 Improving the state of testing 33:50 Adding accessibility 40:00 Career advice for job seekers

Meg dishes on Ivana Trump's divorce saga. Jessica takes a magical walk through the snowy streets of New York.

On this hump day edition of WUL, Matt talks with Brittany Archutowski. Brittany is a wife, a mom of 3, and also an affiliate marketer. Today she shares why she got started with Legendary, how she went from being a consumer to a creator, her advice for anyone who's just getting started, and much more. Follow Brittany on Tiktok | Instagram