Podcasts about Mula

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.  

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VLOG May 21 US v. Sean Combs Day 8 will have Star Island search, expert Dawn Hughes - but no Kid Cudihttps://www.patreon.com/posts/diddy-docketed-129491861https://matthewrussellleeicp.substack.com/p/extra-in-sean-combs-trial-sassy-assistantRapper Jeezy Mula charged with murder for hire, DOJ mulling death penaltyUN won't answer on scoops, bans Press

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Filipinos in the Gold Coast will host a multicultural festival to celebrate Philippine-Australia Friendship Day, aiming to highlight cultural diversity and strengthen ties between the two nations. - Dumating si Shirley Nield sa Australia sa panahong dumarami pa lang ang mga Pilipinong migrante. Habang abala sa kanyang trabaho bilang nurse, pinili rin niyang panatilihin at ipagmalaki ang kulturang kanyang pinagmulan. Kilalanin sya at ang mga aktibidad na kaniyang itinataguyod para sa mga Pilipino sa Gold Coast.

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S8E7 Kalian udah tau belum awal mula sejarah Kondom ?

What if ang susunod mong bahay ay powered by AI?

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Rima LIII (Gustavo Adolfo Bécquer, voz de Antonio Mula Franco) VOLVERÁN LAS OSCURAS GOLONDRINAS Volverán las oscuras golondrinas en tu balcón sus nidos a colgar, y otra vez con el ala a sus cristales jugando llamarán. Pero aquellas que el vuelo refrenaban tu hermosura y mi dicha a contemplar, aquellas que aprendieron nuestros nombres.... ésas... ¡no volverán! Volverán las tupidas madreselvas de tu jardín las tapias a escalar y otra vez a la tarde aún más hermosas sus flores se abrirán. Pero aquellas cuajadas de rocío cuyas gotas mirábamos temblar y caer como lágrimas del día.... ésas... ¡no volverán! Volverán del amor en tus oídos las palabras ardientes a sonar, tu corazón de su profundo sueño tal vez despertará. Pero mudo y absorto y de rodillas como se adora a Dios ante su altar, como yo te he querido..., desengáñate, así... ¡no te querrán! Gustavo Adolfo Bécquer (1836-1870)

Al principio de la conversación comentamos cómo ha afectado las precipitaciones de lluvia y granizo a los campos de Mula, con casi el cien por cien de la producción de frutales severamente afectada.A continuación, el alcalde de Mula, Juan Jesús Moreno, nos hace una invitación a las fiestas patronales contándonos todas las actividades y eventos que tendrán lugar este fin de semana, desde una noche de migas en la plaza del pueblo, pasando por desfiles y bailes tradicionales y una amplia degustación de embutidos y vinos.

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Para ello han preparado una programación especial enmarcada en la celebración del 80º aniversario del nacimiento de Cristóbal Gabarrón y en el inicio de la conmemoración del 20º aniversario del museo.Ofrecerán actividades abiertas al público entre las que se incluyen la inauguración de la exposición antológica 'Gabarrón. El cristal de la memoria', diversas visitas guiadas, un taller infantil de haikus inspirados en la obra el artista o jornadas de puertas abiertas.

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Hey maldito llegan las reocmendaciones musicales que no debes dejar ir *Silver Dust, MULA, Andrés Volkov, 6 Siniestro Crew, Delta, Rottenfly, Frente Cumbiero, Just Below Me, One of the Last, La Valentina, Guxano, Sonido Desconocido 2, Fabuloso. Con información de Portal Discs, Killsounds, Ascendente Agencia, Chachin Chachin, frequency mx, Mingala comunicaciones, Chachin Chachin, Curtain Call Records, Malfico.

"Mas, quando vier Aquele, O Espírito de Verdade, Ele vos guiará em toda a Verdade..." João 16:13a;"Instruir-te-ei, e ensinar-te-ei o caminho que deves seguir; guiar-te-ei com os Meus olhos. Não sejais como o cavalo, nem como a mula, que não têm entendimento, cuja boca precisa de cabresto e freio para que não se cheguem a ti." Salmos 32:8,9"Guiar-me-ás com o Teu Conselho, e depois me receberás na Glória." Salmos 73:24

Find out how seniors from Gippsland and Ballarat, along with their carers, can access free transport to upcoming events in Melbourne. - Alamin kung paano magkaka-access sa libreng transportasyon para sa mga senior mula Gippsland at Ballarat kasama ang kanilang carers sa mga darating na mga malalaking kaganapan sa Melbourne.

"Bawal ang Misa. Bawal ang Krus. Buhay ang kapalit ng pananampalataya."Sa video na ito, tatalakayin natin ang 10 bansa kung saan delikado ang pagiging Katoliko. Mula sa mga lugar na walang simbahan, hanggang sa mga bansang may banta ng karahasan, diskriminasyon, at pagkakakulong — ang mga tapat kay Kristo ay patuloy na naglilingkod kahit sa gitna ng panganib.

APAKAINIT!!!Hindi na mawawala sa buhay nating mga Filipino ang Tag-Araw, na panahon din ng tag-pawis at tag-lagkit. Mula noon hanggang ngayon, parte na ng kultura natin ang paghahanap ng creative ways para labanan o i-distract ang sarili natin mula sa lumalalang init.Sa Livin' The Filipino Life episode na ito, kasama natin si Victor Anastacio para pag-usapan ang mga gawaing Pinoy na hindi na mawawala tuwing tag-init! Ihanda na ang choice of pamaypay at flavor of palamig habang nakikinig sa makulit na episode na ‘to. Listen up, yo!

The Mark David Cerezo StoryDahil sa pagiging malikhain ni Mark, marami siyang ninais na gawin sa pamamagitan ng mga patapong bagay. Mula sa mga plastic, bote, hanggang mga goma, ginamit ito ni Mark upang simulang buuin ang mga robot na kaniyang iniidolo. Subalit katulad ng ibang nangagarap, marami ring humuhusga sa mga pangarap ni Mark. Maapektuhan nga ba siya nito? O mas lalong tatatag ang kaniyang loob? Support CBN Asia today!https://www.cbnasia.com/giveSupport the show

VLOG April 4 Panton v ICE 11; Drake v UMG on bots https://matthewrussellleeicp.substack.com/p/analysis-in-drake-umg-lawsuit-about Jeeza Mula suppression hearing; Kay Flock motion for acquittal https://www.patreon.com/posts/filing-after-on-125889778Courtroom Rap book https://www.amazon.com/dp/B0F27BYJB3 George Santos filing fraud UNSG @AntonioGuterres no answers

We're back after a month-long break. At kasama namin ang isang batang pari mula sa Diocese of Paranaque, who despite being just short of 3 years as a priest already has so much experience and wisdom. Mula ministry, prayer hanggang exorcism and burnout, isang makulay at masayang kwentuhan with our guest, Fr. Kevin Joshua Cosme!

[60✮ | D70 J50 ]  Juandapo y Diego hablan sobre la película animada del universo de El Señor de los Anillos que nos cuenta el comienzo de la leyenda de Helms Deep y un poco de la historia de los tercos de Rohan.a ·

Sa episode na ito, tatalakayin natin ang buhay ni San Pedro Calungsod, isang batang misyonaryo na nagbigay ng kanyang buhay para sa pananampalataya. Mula sa kanyang pagsisimula bilang isang batang catechist sa Pilipinas, hanggang sa kanyang paglalakbay kasama si Fr. Diego Luis de San Vitores sa Guam, ipapakita natin ang mga makasaysayang sandali na naghubog sa kanyang pagiging martir. Makikita rin natin kung paano nagbukas ng bagong kabanata sa kanyang buhay ang mga pagsubok, lalo na mula sa mga kalaban sa pananampalataya. Ang kanyang sakripisyo sa pagprotekta kay Fr. Diego laban sa mga atake, at ang kanilang hindi malilimutang pagkamatay sa Tumon Bay, ay magsisilbing patotoo kung bakit siya naging santo. Sama-sama nating alalahanin at ipagdiwang ang buhay ni San Pedro Calungsod, ang batang martir na naging inspirasyon sa milyun-milyong tao sa buong mundo. Huwag kalimutang mag-subscribe, mag-like, at mag-iwan ng komento sa ibaba para magpatuloy ang ating pagtalakay sa mga kwento ng mga santo at martir ng Simbahan! #SanPedroCalungsod #FeastDay #history Alam mo ba ang Kwento ni SAN PEDRO CALUNSOD?Join Filipino podcaster and vlogger, Jay Aruga host of The Jay Aruga Show, the first conservative podcast and vlog in the Philippines.SUPPORT The Jay Aruga Show through the Shopee – Arugaan Online Shop: Jay Aruga's Book "Conservative Ka Ba? A 3-Step Approach to Protecting the Family from Woke Ideology" is NOW Available in Shopee:https://shopee.ph/product/274489164/25685460706/Fight this toxic culture in style! Order your THE JAY ARUGA SHOW podcast T-shirt now: https://shopee.ph/product/274489164/24822983311/ Buying me a coffee thru: https://www.buymeacoffee.com/thejayarugashow Hallow - Try Hallow's Premium contents for FREE: https://hallow.com/jayaruga Follow The Sentinel Ph Facebook Page and watch our live streams with AJ Perez every Saturdays at 9PM: https://www.facebook.com/TheSentinelPh LIKE & SUBSCRIBE for new videos. https://www.youtube.com/@JayAruga?sub_confirmation=1Listen and learn from previous episodes of The Jay Aruga Show podcast here https://podcasters.spotify.com/pod/show/thejayarugashow Follow on Twitter: https://twitter.com/jagaruga Follow on Instagram: https://www.instagram.com/jay.aruga Follow on Facebook: https://www.facebook.com/TheJayArugaShow Subscribe on YouTube: https://www.youtube.com/@JayAruga?sub_confirmation=1

Isa ang paghihiganti sa pinaka-trending na theme in the entertainment industry. Mula sa mga soap opera sa Pilipinas hanggang sa mundo ng mga oppa, stories about revenge get views and revenues. Pero bakit ba tayo interesado sa mga ganitong klase ng kuwento?All Rights Reserved, CBN Asia Inc.https://www.cbnasia.com/giveSupport the show

Inakala ni 'Maria' na kaya niyang tiisin ang lahat ng emosyonal at pinansiyal na pang-aabuso mula sa kanyang dating ka-partner, ngunit kalaunan nagpasya siyang iwan ang relasyon para sa kapakanan ng kanyang tatlong anak.

In this episode of the Modern Man Podcast, Jason Schappert shares his journey from a childhood in an entrepreneurial family to becoming a successful serial entrepreneur and financial technology innovator. He discusses the importance of resilience, mindset, and the ability to pivot in the face of adversity. Jason emphasizes the power of positive reinforcement, both in parenting and in business, and shares his experiences of building a successful online aviation training business from scratch. He reflects on the challenges of entrepreneurship, including the emotional toll of selling a business, and looks ahead to future ventures.TakeawaysResilience is key to overcoming challenges.Mindset can transform adversity into opportunity.Positive reinforcement shapes children's confidence.Pivots in life can lead to unexpected success.Consistency in business is crucial for growth.Embrace the journey, not just the destination.Every setback can be a setup for a comeback.Building a business requires taking risks.You don't have to be perfect to start.Surround yourself with supportive people. Transitioning from M0A to Mula was a significant journey.Identifying problems is crucial for crafting effective solutions.Building relationships is key to business success.Understanding financial fundamentals is essential for everyone.Wealth is about time spent with loved ones, not just money.Embrace imperfection and take action in entrepreneurship.Defining personal wealth and success is vital for fulfillment.Learning the rules of money and health is necessary for success.Imperfect action is more effective than waiting for perfection.You can either succeed or fail, but trying again is essential.Chapters00:00 Introduction to Jason Schappert and His Journey03:02 The Importance of Resilience and Mindset06:13 Navigating Adversity and Finding Opportunity09:08 The Power of Positive Reinforcement12:01 Pivoting from Dreams to New Opportunities15:02 Building a Business from Scratch17:51 The 20 Mile March: Consistency in Business20:52 Overcoming Turbulence in Entrepreneurship24:13 The Moment of Burn the Boats26:57 Reflections on the Eight-Figure Exit30:10 Looking Ahead: New Ventures and Future Goals30:41 From M0A to Mula: A Journey of Transformation31:58 Identifying Problems and Crafting Solutions34:29 The Value of Relationships in Business35:57 Understanding Financial Fundamentals40:48 Embracing Imperfection in Entrepreneurship44:32 Redefining Wealth and Success49:14 The Impact of Family on Business PerspectiveSchappert's LinksWebsite: MoolaLinkedIn: Jason SchappertTikTok: @moola.copilotYouTube: MzeroA Flight Training Free eBook Here: Mastering Self-Development: Strategies of the New Masculine: https://rebrand.ly/m2ebook ⚔️JOIN THE NOBLE KNIGHTS MASTERMIND⚔️https://themodernmanpodcast.com/thenobleknights 

In celebration of International Women's Month and as part of the Pinoys in Australia series, SBS Filipino interviewed Cy Rago, a proud Filipino Australian from Canberra who made it a life mission to support women who are victims of domestic abuse and help them forge a path forward. - Bilang pagunita ng International Women's Month at bahagi ng Pinoys in Australia series, naka-usap ng SBS Filipino si Cy Rago, isang Filipina Australian naka base sa Canberra. Naging layunin niya ang tumulong at mag-hatid ng suporta sa mga kababaihan nakaranas at naging biktima ng domestic abuse at tulungan silang mag-simulang muli.

Kiera gives listeners 3 tactical tips on exactly how to find and put a stop to cash flow leaks and grow your practice exponentially. 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 (00:00.824) Hello, Dental A Team listeners. This is Kiera and welcome to today's show. You guys, I'm so excited to have you here. I absolutely love podcasting. I can honestly not believe that we have created as many podcasts as we have and thank you for being a part of this journey. So today, you guys, I wanted to just ask you that like, are you struggling with cashflow leaks in your practice? I think this is such a big hot topic for you that I cannot wait to go into it because honestly,   Every dollar leaking out of your practice is a dollar not reinvested into your growth. So really there's a few couple quick cashflow leaks that I see in tons of practices that I wanted to share with you. These small little changes, tweaks are going to add up to exponential amounts of cash in your practice just by stopping these small few cashflow leaks. We did a webinar on this the other day and it was super, super popular. So I thought I'd bring a few of those highlights over here to the podcast.   As always, you guys know we are the Dental A Team and our job is to help practices optimize profitability, increase their happiness and fulfillment and truly make teams and doctors get on the same page to be able to live the best life that they possibly can. That's what we're about, you guys. Honest to goodness, I do know that cash flow is the lifeblood of a practice and the way that we prevent these leaks and the way that we're able to grow our practices is by being great stewards over the businesses that we have. This is gonna be a short   actionable podcast for you. guys know I like tactical practical and I'm super happy you're here. If you're new to the show, welcome. I'm so glad you're here. If you've been an OG, which stands for original gangster, I used to think it was an oldie but goodie. I found out that that's not the case. If you're an OG, I'm so glad that you're here and that you've been on this journey with me. Please, please as always, leave a review if it's helpful for you and make sure that you're sharing this with friends because the reality is our goal is to positively impact the world.   in the greatest way possible. And the way we do that is through expert consulting for dentists and teams. So we are the Dr. Seuss of systems. We are the gurus of making practices, like truly be simple, living at profitable practice and making it simple. All right, are you ready for these three simple tips? I hope you are. Number one, I want you to, like I said, we just did this of how to stop these cashflow leaks. And what you wanna do is you wanna look at some numbers. So you wanna look at the last six months production.   Kiera Dent (02:18.902) You want to look at the last six months collections. And then you also want to do your collection percentage per month and also your collection percentage over the last six months. The reason it's important for this is some months will actually have a lower collection percentage. That's okay. So for example, a lot of practices in December only worked 2 weeks. And so then you have to think that money rolls 30 days. And when it rolls 30 days, then what's going to happen is we're going to collect that money. So if in December we only did 50,000, then in January we did a hundred thousand.   Well, I only have 50,000 over here to collect to then be able to go into my 100,000. Well, that's going to be low collections. But over the course of the year, we should be averaging a 98 % collection amount. We also want look at our patient AR, our insurance AR, our adjustments, claims not sent to insurance, procedures not attached to insurance, P &L revenue matching collections, because a lot of times maybe we're not collecting even though it looks like we're collecting. So making sure money in the bank actually matches the money that's coming into the practice.   And then doing an overhead deep dive, are there things that we could cut, subscriptions we no longer need, things that we've been paying for forever, just like in personal finance, right? Like when you go look and you're like, my gosh, we're paying for all these subscriptions, we're not even using half of them, that's a cashflow leak. So a lot of common causes of cashflow leaks are going to be unnecessary adjustments in your practice, claims and procedures not sent to insurance. Literally this one report, have literally...   brought 50,000 into a practice in one simple report. So it's a huge, huge zone to take a look at. Over-the-counter collections, maybe those aren't up, they're not high enough. And then not having a good claim follow-up, insufficient AR follow-up. So claims are one thing, we're sending out those statements. And the other side is that we're actually looking at our AR, following up on those claims, making sure that they're not having denials, resubmits, those types of things, high expenses, and then not producing enough to cover our expenses. So.   A lot of these things come in tandem. And so I just wanted to walk you through a quick three things to do. So #1 I want you to really focus on tightening up that insurance and collections process. Like truly, truly, truly, how are we doing this? Because I brought in $1000s to a practice. There was an office I consulted in Oregon. We were able to take them from producing about a $100,000 to $150,000 by being in their practice one time. And in 30 days, they were up to that amount. People were like, Kiera, how did you do it? And I'm like, well, 1   Kiera Dent (04:37.1) We've made the scheduling better and we presented full treatment. And 2 we were able to increase their collections simply by just collecting at the end of the appointment. And I know that sounds so like primary and so juvenile, but the reality is all of this is simple. It's very simple. And so I hope that you take this on and you realize that these are just simple things. So when we don't have a good insurance process and collection process, then what happens is we delay the money even further. Already with insurance as we're on a 30 day delay.   most of the time. You can actually be faster than that in practices. I have some offices that get paid in 2 weeks, but the reality is usually we're on a 30 day delay. So going back to our December example where we made 50,000, then we were produced 100,000, well, our collections are going to be down, but just think what if we actually are even further delayed? Well, that's going to send it down further and further and further. I've seen offices where in their over 90, they have tons and I'm talking millions sitting in their over 90. Well, that's very stressful because A,   that's money that should be collected. You did the work and B, if it gets too far out there, we actually can't collect from insurance. So what we wanna do is we wanna make sure that we're verifying the patient's insurance benefits before they come into the practice, make sure we have correct fee schedules attached so we're able to present correctly. Then we wanna make sure we're submitting claims within 24 hours at the most. I either like them submitted at the end of the day or the next day. Make sure all of our attachments, all of our narratives, all of our inter-orals, all of our x-rays are truly like attached correctly.   Clean claims out, clean claims in. Like we wanna make sure that we're paid and then make sure that we have an automated way to have like our balances collected once we get the insurance there. So we wanna be watching our insurance payments and we also wanna be watching our patient payments. So we wanna collect a time of service. So whatever their patient portion is, I strongly, strongly, strongly recommend that we collect at time of service. We're also watching for balances when patients are checking in that we're actually collecting at that time as well. So.   When they check in, if there's a balance, we collect right then and there. Also when we present treatment plans or when they're doing their treatment, we're collecting payment at that time as well. I understand they're not going to be perfect. I understand there's a lot of fear around this of, Kiera, what happens though if we misestimate? And I'm gonna say you become an amazing word ninja. I would much rather you collect rather than chase money. I think all of us would rather get paid rather than chasing our paychecks down the street. Same thing with patients. Once they're gone, there's no longer a need for them to be doing   Kiera Dent (07:00.35) to paying for it. So I really, really, really, really, really encourage you to do this and then make sure that what we're doing is we're actually checking our insurance every single week. So we're checking and working those 30, 60, 90 day claims. We're making sure that we're working on the biggest balances first and then we're able to then chip away at it and collect. Patient portions, go call them. Please, please, please stop sending statements. Call those patients right now. Get them on the books. Make sure we're getting them taken care of.   That is one of the easiest ways to stop these cashflow leaks in your practice. So the goal is make sure great insurance verification is there, make sure we're submitting claims, and then make sure that we're actually speeding up our collection process by staying on top of it every single week, hitting those biggest balances. There's more in depth for it, but that's a quick highlight of what you can do. Step 2 is control our overhead and unnecessary expenses. So now we've talked about, we fixed the problem with hopefully collecting. We fixed the process of making sure that we're getting our payments faster.   And now we need to make sure we're looking at our overhead and the expenses to see what on there is unnecessary. Like I said, like all those subscriptions, I don't know how many times I see like in real life, we're paying for Netflix, we're paying for Hulu, we're paying for Amazon Prime, we're paying for all these different ones, but we're actually only using one or 2 of them. Could we cut some of those out? It doesn't change our quality of life, but it does change our bank account and small little things add up. I did a podcast on this, a little areas where you can find this in your overhead expenses.   But the reality is like, can you start to actually order your supplies through something like Synergy or Ordo, which are 2 great companies that are actually supply companies that do it in bulk to reduce, like you're getting the exact same product, but you're able to actually reduce the cost. Why not do that? Just asking questions like we're buying the same bread, let's get it for half off or pay full price. I'm gonna get it for half off. It's the same bread, same price, like same quality.   just different pricing because we're able to buy it through group pricing. So can we negotiate? Can we talk to our reps? Can we make sure? Also, can we set a supply budget for the person who's ordering? I like four to 5 % for supplies. You take your pick for ordering dental supplies. So last month we collected 100,000, 4,000 or 5,000 would be our supply budget. Give that budget on Excel tracker to your ordering team member and have them deduct down making sure they stay within budget.   Kiera Dent (09:16.856) This way they're able to then assess and make sure we really are spending the appropriate amount. This gets them scrappy. They start looking for better deals, but it cuts those overhead expenses that are unnecessary for you. Can we also look for better lab deals? I know we love our lab person, but maybe there's a new lab that's come onto the scene that's just as good, if not better, but maybe not as high of pricing as our current labs. I'm not here to say cut dentistry for one second. I'm just saying kind of like car insurance, let's go look around and see. And I'm not saying that labs are equal. I understand that all labs are different.   and we wanna make sure we give our patients the highest quality. I'm just saying if you haven't looked for a while, let's see if we could get a different way to have a different lab fee for us. Can we negotiate other areas within like our subscriptions, looking to see what can we cut, going line by line by line to see are there extra expenses in there? I know like I pay for audible, but I switched over to Libby. Libby is great, I use a ton of it, I'm constantly on there. Do I still need my audible expense on the overhead?   Do we still need to be paying for the subscription? Like I know for us, we have a lot of subscriptions, a lot of softwares. Is there a software that we could get a discounted rate? What about our credit card processing fees? Could we maybe switch over to a company like Mula and maybe save on that? Honest to goodness, plug for Mula. If you're looking at credit card processors or you're questioning Mula, tell Mark from Mula that we sent you over there. Clients who I've recommended to Mula have loved it because they're cheaper.   They're more affordable, their rates are incredible, there's no contract, they're able to get their membership plans on it, they're saving money. Even that one or 2 % change on your credit card statement can radically increase the cashflow leaks in your practice. And then just like make sure that our payroll, like let's look at our human capital. I am not here to cut costs for payroll. I'm here to pay our team members insanely well, but let's make sure that can we re-utilize our human capital? Could we maybe outsource certain things that we don't need in-house?   What do we have? And let's just make sure that what we're doing and producing, we're adequately staffed, that we're adequately doing our jobs. And that if there's easier ways, like we've outsourced certain jobs for virtual assistants. And I know a lot of offices have done that and it's been great. It's been amazing. We've been able to benefit from it. You have opinions about that. I'm not here to tell you one way or another. I am here to say, maybe be open to the ideas around it, just to see what can we do. And so my call to action on tip number 2 for controlling overhead.   Kiera Dent (11:38.038) and unnecessary expenses is go and do an expense audit and look to see what can we do to cut costs. Maybe there's nothing, but I promise you there's probably one, 2 or three things that you could actually change or adjust. I do this every single quarter. So when the quarter ends, the CPA sends me over a detailed P &L line by line by line. I'm looking at that to make sure that I'm actually staying in track. All right, step number three.   is I really want you to look at making sure that we're producing enough. So are we optimizing our schedule and are we producing enough? Because a lot of times cashflow leaks come from the insurance and the collections and the overhead, but maybe we need to also look at our scheduling to make sure we're productive on there. And we're also making sure that we're producing enough for our expenses. So what I like and what I prefer is 50 % for expenses is what your overhead should be, not including doctors.   So if we're producing 100,000, 50,000 should be our expenses. So trying to just get that into line for you. So now if I know my costs are 80,000, we'll just double that, we should be producing 160,000. So that's very loose math. Don't worry with our clients, I do this a lot more in depth. Not always can we get to 50 % in all states, but generally speaking, we're able to get there by doing a lot of these pieces. So now I'm gonna look at your schedule and see.   If we need to produce 160,000, A, do we have enough spots for new patients? B, do we have block scheduling in place to make sure that with the new patients, with the SRPs, with the perio maintenance, we're then able to produce what we need to produce for what we actually need to pay our practice. So if we need to produce 160,000, well, do we have enough blocks in there? And we figured out the puzzle pieces to make sure that we're actually able to produce that amount. And then when we do have cancellations or different things in there that we're   filling the schedule that we're doing the 15 minute quick fill that we're looking for little ways to optimize our schedule because a lot of times practices don't hit their overhead that they want to hit not because they don't have the space in their schedule but because they have so many open spaces. So what's your open time in your schedule? Let's look at that. Could we reduce that down? What are some different areas that we could really make this easier for you? And then making sure that we're actually hitting our goals consistently and we're working as a team for that. So.   Kiera Dent (13:50.828) The reality is I have a lot of practices who do these things, not a lot, all of them. So as consultants, we're looking at what is your block schedule? How many new patients do we need to have? How many, can we optimize this? Let's look at your overhead month over month. Let's look at your collection percentages year over year. Let's make sure that we are actually collecting the amount that we need to. Let's look at the different items within. Let's track your KPIs monthly with you and look at all these expenses. I was on a call the other day and the doctor, we were like, gosh, their overheads high. And we looked.   We were spending a lot on marketing. We were spending a lot on supplies. so making these small little tweaks and changes are how we find the cashflow leaks. And I know you want this, maybe like ding, a little fairy godmother over here. Yes, I can do that as we're a one-on-one private consultant for you. But listening to the podcast, I want to encourage you to take these three steps on and to truly go and look at how is our collection process and what are we doing? Then I want you to look at your overhead and unnecessary expenses and then do an audit of your schedule to see   Hey, what adjustments could we make to make this actually be better? So these are some of the quick hits for you on the cashflow leaks that I know really can help you out and can grow your practice exponentially. This is what I'm passionate about if you can't tell. I love helping offices learn how to stop the cashflow leaks to be able to produce what they wanna produce and be able to provide the lifestyle that they want for themselves and for their team members. And it's through like little, little things like this. Consulting's nothing crazy or sexy.   The changes that we make in practices are usually so simple, but the simple things are not always easy. And so making sure you have an accountability buddy, someone who's gonna check in with you, someone who's gonna make sure you're doing this consistently, because consistency is key when it comes to these cashflow and overhead leaks. I'm so excited for you guys to try this. So if you want some help uncovering some cashflow leaks in your practice,   Just DM me or even go to our website, TheDentalATeam.com. We actually do a free practice assessment for offices where we look through to see what areas can we help you optimize your practice. So if that resonates with you, I'd love to chat with you. But truly you deserve to have the financial strength and the financial guidance that you truly want and deserve. And the reality is we're here for you. Denaliateam is here for you. We love and adore you. And I know that everything that you want that you are truly hoping to achieve.   Kiera Dent (16:10.368) is going to be capable for you. So as always, thank you for listening and I'll catch you next time on the Dental A Team Podcast.  

From having only a handful of acquaintances when she first moved to Sydney from Brisbane, writer-editor Mariam Ella Arcilla is now actively immersed in dynamic connections and collaborative projects with fellow Filipino creatives across Australia. - Mula sa limitadong kakilala sa kanyang paglipat sa Sydney mula Brisbane, walang tigil na ngayon ang writer-editor na si Mariam Ella Arcilla sa pakikipag-ugnayan at mga proyekto kasama ng mga kapwa Pilipinong alagad ng sining at kultura.

Ang Simbahang Katoliko ay may mahabang tradisyon ng pagpapanatili ng mga relic—mga banal na bagay na may kaugnayan sa mga santo. Pero hindi lang ito simpleng krus o damit... may mga relic na sobrang kakaiba at nakakagulat! Mula sa mga pugot na ulo hanggang sa nakaimbak na mga puso ng mga Papa, ito ang 7 pinaka-weird na relic ng Simbahan na siguradong hindi mo inaasahan! Alin sa mga ito ang pinakanagulat ka? May kilala ka pa bang kakaibang relic? Mag-comment sa ibaba!

@mula @deepandi Pre-Order or Pre-Save: https://go.protonradio.com/r/rl7L4UYV5OFTE Gliding smooth, a shadow tall, Grace and speed owns it all. Golden light in sunset's glow, Wheels spin fast, the breezes flow. Mula's beats drift through the night, Deep and low, a pulsing light. Worldly echoes, rhythms wide, Guide his dance, his effortless ride. Skating free, a dream untold, Gorgeous fire, fierce yet bold. Music lifts him, soul takes flight, Mula's sound—his wings tonight. Mastering by Robert Trifunović

Former President Rodrigo Duterte will reamin at the Hague Penitentiary Institution while awaiting trial at the International Criminal Court (ICC) for crimes against humanity in relation to his administration's war on drugs - Mananatili sa Hague Penitentiary Institution si Dating Pangulong Rodrigo Duterte habang naghihintay ng trial ng International Criminal Court o ICC para sa kasong crimes against humanity kaugnay sa madugo umanong war on drugs sa ilalim ng kanyang administrasyon.

@mula @kon-faber Pre-Order or Pre-Save: https://go.protonradio.com/r/rl7L4UYV5OFTE Gliding smooth, a shadow tall, Grace and speed owns it all. Golden light in sunset's glow, Wheels spin fast, the breezes flow. Mula's beats drift through the night, Deep and low, a pulsing light. Worldly echoes, rhythms wide, Guide his dance, his effortless ride. Skating free, a dream untold, Gorgeous fire, fierce yet bold. Music lifts him, soul takes flight, Mula's sound—his wings tonight. Mastering by Robert Trifunović

Cordillera-based Indigenous artists travelled to Castlemaine to begin a multi-media collaboration with first Nations artists in Regional Victoria. - Nagtungo sa Castlemaine sa Victoria ang dalawang Katutubo artist mula Cordillera upang simulan ang isang kolaborasyon para sa isang multi-media project sa Indigenous community sa Regional Victoria.

Filipino cuisine is making waves in Australia, not only through Filipino chefs but also through international culinary figures like Chef Pierrick Boyer, a French pastry chef with over 35 years of experience, embracing its rich and diverse flavours. - Ang Filipino cuisine ay nagsisimulang mas makilala sa Australia, hindi lamang sa pamamagitan ng mga Pinoy chef kundi pati na rin ng mga international culinary figures tulad ni Chef Pierrick Boyer, isang French pastry chef na may higit 35 taon ng karanasan.

From "Communist Kamala" to Bollywood endorsements, artificial intelligence and disinformation played a big role in some of the biggest democratic elections last year. - Mula sa pagbuo ng pekeng 'Communist Kamala' hanggang sa Bollywood endorsements, malaki ang ginampanang papel ng artificial intelligence at disinformation sa halalan sa iba't ibang bansa noong nakaraang taon.

Alamin ang Top 10 bansang may pinakamalaking porsyento ng populasyon na Katoliko sa buong mundo!

Mula The Cruise Part 2 Mastermind X DJ Rio (Live Promo) by Mastermind Master Studio

Australia ranked third among the largest sources of tourists in the Philippines, following South Korea and the United States, in January 2025. The Department of Tourism highlighted that the increase in tourists significantly contributes to the tourism sector's revenue, which in turn supports various industries, including hotel accommodations, transportation, dining, and local businesses. - Pumangatlo ang Australia sa pinakamalalaking pinagmumulan ng turista sa Pilipinas, kasunod ng South Korea at Estados Unidos nitong Enero 2025. Ayon sa Department of Tourism, ang pagdagsa ng mga turista ay nagdadala ng malaking kita sa sektor ng turismo, na sumusuporta sa iba't ibang industriya tulad ng hotel at resort accommodations, transportasyon, pagkain, at lokal na negosyo.

Kiera walks listeners through easy but critical accounts receivable systems to implement in your practice so you never have to face a financial crisis again. 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 (00:00.932) Hello, Dental A Team listeners. This is Kiera and today I just wanted to ask, are you struggling with cashflow because of overdue payments or you don't know how to do your AR or billing just fills out of hand? Well, great news. Healthy AR is an incredible way for you to keep your practice profitable and successful. And today we're going to dive into it and give you some really incredible systems to help you actually keep this on top so that way you don't ever feel like you're in a financial crisis again. So hooray, hooray. I'm so excited.   I hope you're ready for it. I hope you're just having an incredible day today. I know talking AR is not always super fun, but honestly having a well-managed AR system, being able to track to follow up to figure out where the gaps are really can give you confidence. So I wanna give you guys three quick actionable tips to be able to take this and have a healthy AR. You guys know the Dental A Team's all about practical tactical, making your life easier, making you super successful and happy.   doing it with ease, having a fun time with doctors and team members. So we are able to possibly impact the world of dentistry in the greatest way possible. So let's kick it off you guys, because honestly, AR is one of the most overlooked areas. It feels taboo. feels like we don't really know. So what are we even going to do? So like, let's just dive into this and really get it there. So number one is to set up clear payment policies and make sure that we're upfront with our patient. And if you don't have this, adding it onto your treatment plans, adding it into your practice,   Don't worry, everyone has this. So it doesn't need to feel scary or daunting or my gosh, like we're changing everything on our patients. You're not, we're just being very clear upfront. And what this does is it actually makes it easier for your front office to be confident with their treatment planning, to be confident with their scheduling, because now we all know the rules of the game. We know what we're doing and we don't have to be rude about it. We don't have to be mean about it. We just need to be crystal clear so people know the rules of the game of our practice. So a couple of quick tips are.   we do require payment at the time of service. I know back in time we used to not, but this is something that we do for routine procedures. And yes, we estimate and we go in, we try to maximize everything that we have within our practice by getting insurance estimates. But the reality is sometimes we aren't gonna be able to get that correct. Insurances aren't even accurate until we bill out. And so we don't crutch on that and bill out and then collect money. We collect, we estimate the best that we can. We collect at the time of service.   Kiera Dent (02:18.604) and then we're able to let them know if they have a balance or if they have a credit. Hopefully we're getting close. I'd prefer credits more than I'd prefer balances. I don't like to chase money, but you choose how you want to do that. And then making sure we have really good payment options like Cherry or Sunbit or some of those other ones are really great ones. We actually have some offices that have a really beautiful spreadsheet where we have all the different payment options that we can offer. I only like offering one, two or three max of payment options.   but for your practice to know all the different carriers, like I said, Cherry and Sumbit, Cherry tends to be really high right now of a great financial one, Care Credit always is the top one, but having some of those options so that way we as the practice aren't carrying the bulk of this debt, but we're able to have options for our patient can help you get that better case acceptance and also keep us out of that financial pickle. So, and then also helping our patients have a clear financial policy and I actually have a practice that worked on this and   They were saying like a couple of things like they had six steps on it. And I really loved this of one is like no future scheduling until the payment, their balance is paid. And I think that really helps because then we're not just adding to the debt and we help our patients know like we've got to get this taken care of before we're able to schedule you for more treatment. Then we expect full payment on the first day or we're able to go like two payments half and half. So sometimes for crowns we'll do 50 % today, 50 % upon crown seat.   Those are some great things. I don't go beyond two payments within the practice. Otherwise they go into third party financing. You also, if you are struggling with this for larger payments or treatment plans, so you can decide is it 2000, is it 4000, is it 10,000, you choose. But I usually do a deposit and some people will have higher deposits, but let's say it's a 2000, you can do 10 % of that. So that would be $200. I like a 10%. I think it's easy. I think it also   for a patient who wasn't expecting to do treatment, it's not as daunting for them. So giving that 10 % down payment could also help out. And then really making sure that we are staying on top of our AR, which is going to lead into the next point, making sure that our accounts aren't going past hopefully 60 days in general. I know we might have higher AR right now where they're into that 90 days, meaning we've done treatment and 90 days have passed since we've made payment. And then making sure that we have a good collection policy as well.   Kiera Dent (04:39.266) really making sure all those pieces are there is going to help. And we communicate this to our patients. And if we'll communicate it to our patients, then they know the rules of the game. So for that, when offices start to do this, they start to have patients understand that we make payments, that we only do two payments in-house, that we are collecting at the time of service, that we are making sure that they have these financial policies written. We're not allowing more treatment to stack up on delinquent accounts. What happens is that practice actually starts to   become profitable and they start to get more cashflow. Patients start to pay their balances and it's crazy because just asking for the financial money really actually helps a ton. And it's weird because you just think, all I did was ask for the money. Well, yeah, I have a practice that I was able to add over $20,000 per month to their schedule. And they said, Kiera how are you able to do that? One, it's through some tactics, but two, it was just stopping at the front desk and collecting the money before the patient left. Like it sounds so simple, but really,   just collecting and a lot of offices are even putting credit cards on file, which can really help. So number two, so that's like step one is like, let's collect the money before it goes back. Let's make sure we're checking upon check-in to collect the balances. Let's make sure we're collecting on checkout so we're not following up with all this money. And then number two for this healthy AR is we've got to have a strong follow-up system for outstanding balances. So what I like to do is I like to run the AR report at the beginning of the month. I like to put it into a Google Sheets file.   And then I like to actually have it color coordinated of what area is this account at? Are we on statement one, statement two, statement three? Before I ever send out statements, we always, always, always call. Hey, Kiera great news, your insurance paid. The balance is left, remaining is this amount. I can do Visa or MasterCard over the phone, which do you prefer? This way I'm collecting balances instead of just sending statements. I know a lot of offices love to send statements. It feels really great. We love to.   send it out, send it through the mail, make it feel like we're really moving the needle forward. But if we would just pick up the phone and call, I even tell some offices like we're going green, we're trying to save on paper and stamps, so we're collecting this. There's also a lot of companies like Mula, I really love Mula, and you can actually text the statement to your patient, which can help. But please, let's not lose the power of calling them, because calling and collecting payment can really, really help a lot. So making sure we have this where it's automated.   Kiera Dent (06:58.168) Patients can pay online if we don't have that, that's going to be something that they really need to do. Like I said, Mula is coming in as one of my top companies for processing right now based on their fees and also the availability to send electronic statements to have it link into the patient ledger. I think they're doing a really great job. And then making sure we're actually tracking that entire scorecard of the AR on our Google Sheets or whatever you wanna do. But I like it color coordinated and then I like the doctor and the billing representative.   To meet together at the end of every month, we see how many first statements, how many collections we made, how many 60 day, how many 90 day, and then are there any that need to go to collections or do we need to figure out what to do with that account? I am not here for an advocate of whatever is right or wrong. You get to decide what's best for your practice, but we've got to have a way to follow up on this. And insurances should be receiving statements 15 to 30 days. Following up on them more consistently can actually help us get payments quicker. So making sure we're also sending clean claims.   So everything's attached, everything's put together. So we're not getting things back because we didn't do our part, making sure everything's being submitted on the first run, I really think can help it out. And so when offices do this, what's interesting is we've been able to actually pay for all of our consulting in very quickly because we've taught the office how to go and collect the money that is already in the accounts. And so, and it's crazy because I'm like, you already did the work, let's just collect the money. And so sometimes it is on sending statements, sometimes it's calling the patients, but it's crazy how just even.   connecting in with your patients really can help them realize that like we just have this money that's outstanding, let's get it paid. So right now I would figure out, can you get with Mula, can you have an automated system to be able to send out statements and then have someone who oversees AR and they follow up on it every single week. That's something we're really gonna need to make sure it's taken care of. I like Tuesdays and Thursdays for billing days, you do it whatever you need to do. Not the full day, usually a four hour chunk is probably pretty good for.   Most practices, every practice is different, but that would be a good one. And then step three, pretty simple, is we've got to review our AR metrics and take actions. So this is what I was talking about, the doctor and the billing representative meeting together, and we've got to monitor our 30, 60, 90, and over 90 days where we're at. So the zero to 30, 60 to 90, over 90, we've got to make sure, and what I like is of all of those accounts, we're never over one month's worth of collections. And so I try really hard to get that down.   Kiera Dent (09:16.868) Over 90 should be less than 10 % of total AR. I even like it to be chipped down to like 5 % of that. So if you know the metrics that we need to do, we've got to be collecting. And if our team knows our goal is to collect in 30 days always, we get better at insurance verification, we get better at collecting, we get better at watching our AR, we get better at all these different things, then we truly have a system that works. And then making sure that it's in there so the doctor can take a look at it so you can see how many first statements, second statements, third statements, you can even make a   little dummy codes that you attach to each patient's ledger. So at the end of the month, you can actually run a report to see how many statements really went out of first, second, third. I don't go past three. I do not want it going past three. And if you call on the first one, usually we're not getting to a second one. We're setting up options. We have payment options if necessary that are external, not internal, that really, really can help you. for me, I would, if I was a dentist, I would have my billing meeting set up. I would expect my team to get through that entire AR list within a month.   I don't care how many accounts are on there. We might have some cleanup to do, but getting through that, and I have an office where we were able to take them from about a 65 % collection ratio. It was really drastic, all the way up to 98%, but we had to go back three years to clean it up. And there's a lot of them that we weren't able to collect them because we'd waited too long, but it was a process. I think we had about 10,000 accounts we had to go through, but this team was diligent. They were dedicated. It was hard, but we were able to actually make progress.   And it was so fun for them to actually build the system and for the doctors to understand and the team to understand and they'll never get into that position again. And so really going through these three steps, like I mentioned, of clear financial policies with our patients and collecting before they go back and also when we do time of service, we have a full follow-up system of how do we have it? How do we submit our statements? Do we call for it? How do we have this? And then we review it every single month with our doctor and billing.   a team member meeting, it's really gonna help you guys stay on track and be able to get this healthy AR. So the reality is we've got to enforce this. We've got to make sure that we're following up on it, that we're expecting to be at 98 % collection and that we actually go through with this because right now is the time like you've done the work, let's collect the money. And so if this is something that you are like, gosh, like Carrie, you're just speaking my language, reach out, DM us, I'm happy to show you some AR tactics that we've done for other practices, give you some resources and tips.   Kiera Dent (11:36.32) or head on over to our website, TheDentalATeam.com and just book a call. And I'm happy to go through it with you and give you some, some complimentary value and practice assessment to see where you're at, the great things you're doing in areas that we can help out. This is what we're obsessed with doing. And Dental A Team does this. This is what we do for our practices. This is why we have the systems. This is why we have the systems for success for you. And I'd love to help you. So when, when you're ready and if you're ready to boost and master your AR and cashflow reach out, we're ready for you. And I'd love to help you, but truly commit to   being a master of AR and having that healthy cashflow, you're doing the work, get paid for the work you do. You deserve it. You're worth it. And as always, thanks for listening. I'll catch you next time on the Dental A Team Podcast.  

Ang kuwento ng Our Lady of Guadalupe ay isang pambihirang kabanata sa kasaysayan ng pananampalatayang Katoliko. Mula sa pagpapakita ng Mahal na Birhen kay San Juan Diego noong 1531 hanggang sa mga himala na hindi pa rin maipaliwanag hanggang ngayon, ang debosyon sa Our Lady of Guadalupe ay patuloy na nagbibigay-inspirasyon sa milyon-milyon. Sa video na ito, tatalakayin natin ang: ✅ Ang kasaysayan ng Our Lady of Guadalupe ✅ Mga hindi maipaliwanag na himala na may kaugnayan sa kanya ✅ Ang kanyang papel sa pananampalataya at kultura Manalig at palalimin ang iyong pananampalataya!

Between the mid-1800s and the 1970s, Indigenous children were forcibly removed from their families. What happened to those children, and what's the impact of the Stolen Generations today? - Mula kalagitnaan ng 1800 hanggang 1970, ang mga batang Indigenous ay sapilitang inalis mula sa kanilang mga pamilya. Ano na ba ang nangyari sa mga batang ito at ano ang epekto ng Stolen Generations hanggang sa kasalukuyang panahon?

Mula v. Mula

Major telecommunications companies say their mobile coverage has either expanded or stayed the same since the 3-G network shutdown began in October 2024. But some rural Australians say they're getting poor service or complete blackouts, prompting safety concerns in some communities. - Lumawak o pareho ng dati ang coverage ng kanilang mobile network - iyan ang pahayag ng mga pangunahing kumpanya ng telekomunikasyon mula anila nang pagsara ng 3-G Network noong Oktubre 2024. Ngunit ilang Australyano na nakatira sa mga rural na lugar ay nagrereklamo sa hindi magandang serbisyo o kumpletong pagkawala ng network sa nararanasan nila, na nagdudulot ng mga alalahanin sa kaligtasan sa ilang mga komunidad.

Track edited twice to make everyone happy Pic was from Jan 1 2023.

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